Common use of Custodial Account and Interest Rate Custodial Account Clause in Contracts

Custodial Account and Interest Rate Custodial Account. As your custodian, we will open on our records, either directly or with the assistance of BNY Mellon, a custodial account in which we will hold your interests in the Deposit Accounts (“Custodial Account”). We may permit you to have multiple Custodial Accounts. On the signature page of this Agreement, you will enter a unique alphanumeric identifier for you (“Depositor Identifier”), which will be associated with the Custodial Account. You will enter as your Depositor Identifier your federal taxpayer identification number (“TIN”), unless you do not have a TIN, in which case you will enter an alternate identifier that we approve. If you use an alternate identifier, you must use the same alternate identifier for all placements of deposits for you, by us or by any other financial institution, through the DDA-MMDA Option or through the CD Option of IntraFi Network Deposits. If you later obtain a TIN, you must promptly report it to us and to any such other institutions, and we may use it as your Depositor Identifier. Interest Rate The interest rate for the Deposit Accounts at Destination Institutions on any day will be the then- current rate that we specify, which may be any rate (including zero) and which we may modify at any time (“Interest Rate”). Through your continued participation in the DDA-MMDA Option, you accept each applicable Interest Rate. If we permit you to have more than one Custodial Account, we may specify a different Interest Rate for each Custodial Account. Payment of the full amount of all accrued interest on a Deposit Account at a Destination Institution will be solely the responsibility of the Destination Institution. Neither we nor any other person or entity will be indebted to you for such payment.

Custodial Account and Interest Rate Custodial Account. As your custodian, we will open on our records, either directly or with the assistance of BNY Mellon, a custodial account in which we will hold your interests in the Deposit Accounts (“Custodial Account”). We may permit you to have multiple Custodial Accounts. On the signature page of this Agreement, you will enter a unique alphanumeric identifier for you (“Depositor Identifier”), which will be associated with the Custodial Account. You will enter as your Depositor Identifier your federal taxpayer identification number (“TIN”), unless you do not have a TIN, in which case you will enter an alternate identifier that we approve. If you use an alternate identifier, you must use the same alternate identifier for all placements of deposits for you, by us or by any other financial institution, through the DDA-MMDA Option ICS or through the CD Option of IntraFi Network DepositsCDARS. If you later obtain a TIN, you must promptly report it to us and to any such other institutions, and we may use it as your Depositor Identifier. Interest Rate The In ICS-Daily Rate, the interest rate for the Deposit Accounts at Destination Institutions on any day (“Interest Rate”) will be the then- then-current rate that we specify, which may be any rate (including zero) and which we may modify at any time (“Interest Rate”)time. Through your continued participation in the DDAICS-MMDA OptionDaily Rate, you accept each applicable Interest Rate. In ICS-Fixed Rate, if offered, the Interest Rate will be determined as set forth in Schedule 3. If we permit you to have more than one Custodial Account, we may specify a different Interest Rate for each Custodial Account. Payment of the full amount of all accrued interest on a Deposit Account at a Destination Institution will be solely the responsibility of the Destination Institution. Neither we nor any other person or entity will be indebted to you for such payment.Destination

Custodial Account and Interest Rate Custodial Account. As your custodian, we will open on our records, either directly or with the assistance of BNY Mellon, a custodial account in which we will hold your interests in the Deposit Accounts CDs (“Custodial Account”). We may permit you to have multiple Custodial Accounts. On the signature page of this Agreement, you will enter a unique alphanumeric identifier for you (“Depositor Identifier”), which will be associated with the Custodial Account. You will enter as your Depositor Identifier your federal taxpayer identification number (“TIN”), unless you do not have a TIN, in which case you will enter an alternate identifier that we approve. If you use an alternate identifier, you must use the same alternate identifier for all placements of deposits for you, by us or by any other financial institution, through the DDA-MMDA CD Option or through the CD DDA- MMDA Option of IntraFi Network Deposits. If you later obtain a TIN, you must promptly report it to us and to any such other institutions, and we may use it as your Depositor Identifier. Interest Rate The interest rate for the Deposit Accounts CDs at the Destination Institutions on any day at which we place your deposits will be the then- current interest rate that to which you and we specify, which may be any rate (including zero) and which we may modify at any time have agreed for the CDs (“Interest Rate”), with daily compounding. Through your continued participation in Interest payment frequency may vary depending on the DDAterm of the CD. In all cases an interest payment will occur at maturity, and if the CD term is greater than 52 weeks, an interest payment will also occur at each year-MMDA Optionend during the term. Contact us to learn the available interest rate frequencies for a particular CD term. We may give you the option to choose disbursement of interest payments to you by one or more of check, you accept each applicable Interest Rate. If we permit you transfer, or credit to have more than one Custodial Account, we may specify a different Interest Rate for each Custodial Accountprincipal. Payment of the full amount of all accrued interest on a Deposit Account CD at a Destination Institution will be solely the responsibility of the Destination Institution. Neither we nor any other person or entity will be indebted to you for such payment.