Common use of Deposit Account Agreement Clause in Contracts

Deposit Account Agreement. This Deposit Account Agreement (also known as Rules and Regulations; hereinafter referred to as “Agreement”) is the contract that governs your account. This Agreement supersedes any deposit account(s) Rules and Regulations you may have previously received. Please be sure to read it carefully and keep it in a safe place. If you have any questions regarding any of the information contained in this Agreement, please talk with your Account Officer. Your Account Officer will be happy to help. You can also call and/or write to us at one of the numbers and/or addresses listed under the “How To Contact Us” section. Whether you’re a personal or business customer with an IDB Bank Deposit Account, this is the basic Agreement between you and us. By signing a signature card or Application, or using any of our deposit account services, you and anyone else identified as an owner of the account further agree to the terms contained in this Agreement. You have identified for us the country (or countries) in which you are a resident for Know-Your-Customer (“KYC”) and tax purposes and have provided your taxpayer identification number. If you are an International Customer, your signatures (including on the IRS Forms W-8BEN or W-8BEN-E) certify to us that you are neither a citizen nor resident of the United States. If these certifications are false, you may be subject to civil and criminal penalties. If you have a product that is not a deposit account, this Agreement does not apply to that product. Also, other services, such as online banking (i.e., IDB PassportSM, IDB AccessSM), have additional agreements. If another more specific agreement and this one disagree, the more specific agreement will govern. If this Agreement conflicts with any statements made by one of our employees or our affiliates’ employees, this Agreement will control. This Agreement may be changed or terminated without notice if necessary to comply with any appropriate federal, state or other governing law or regulation. This Agreement also refers to and includes other disclosures we may provide to you, including: (1) product information; (2) rate information disclosures (if applicable); (3) banking services and fee disclosures; and (4) other disclosures, agreements, and amendments that we may provide to you. All may contain information on fees that apply to your accounts.

Deposit Account Agreement. This Deposit Account Agreement (also known as Rules and Regulations; hereinafter referred to as “Agreement”) is the contract that governs your account. This Agreement supersedes any deposit account(s) Rules and Regulations you may have previously received. Please be sure to read it carefully and keep it in a safe place. If you have any questions anyquestions regarding any of anyof the information contained in this Agreement, please talk with talkwith your Account Officer. Your Account Officer will be happy to help. You can also call canalsocall and/or write to us at one of the numbers and/or addresses listed under the “How To Contact Us” section. Whether you’re a personal or business customer with an IDB Bank Deposit Account, this is the basic Agreement between you and us. By signing a signature card or Application, or using any of our deposit account services, you and anyone else identified as an owner anowner of the account further agree to the terms contained in this Agreement. You have identified for us the country (or country(or countries) in which you are a resident for Know-Your-Customer (“KYC”) and tax purposes and have provided your taxpayer identification number. If you are an International Customer, your signatures (including on the IRS Forms W-8BEN or W-8BEN-E) certify to us that you are neither a citizen nor resident of the United States. If these certifications are false, you may be maybe subject to civil and criminal andcriminal penalties. If you have a product that is not a deposit account, this Agreement does not apply to applyto that product. Also, other services, such as suchas online banking (i.e., IDB PassportSM, IDB AccessSM), have additional agreements. If another more specific agreement and this one disagree, the more specific agreement will govern. If this Agreement conflicts with any statements made by one of our employees or our affiliates’ employees, this Agreement will control. This Agreement may be changed or terminated without notice if necessary to comply with any appropriate federalfederal , state or other governing law or regulation. This Agreement also refers to and includes other disclosures we may provide to you, including: (1) product information; (2) rate information disclosures (if applicable); (3) banking services and fee disclosures; and (4) other disclosures, agreements, and amendments that we may provide to you. All may contain information on fees that apply to your accounts.