Common use of OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION Clause in Contracts

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An account in the name of one person. Joint Account with Survivorship (not as tenants in common): An account in the name of two or more persons. Each of you intends when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account No Survivorship (as tenants in common): An account owned by two or more persons, but none of you intends (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Revocable Trust Account: If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account dies, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this account type reserve the right to: (1) change beneficiaries, (2) change account types and (3) withdraw all or part of the account funds at any time. Business Accounts: Earnings in the form of interest, dividends or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx (Individual Accounts only): A single individual is the owner. The authorized xxxxxx is merely designated to conduct transaction on the owner’s behalf. We undertake no obligation to monitor transactions to determine that they are on the owner’s behalf. TEMPORARY ACCOUNT AGREEMENT If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account; however, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirement we have imposed within a reasonable time.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An . This is an account in the name of one person. Joint Account with - With Survivorship (not as tenants in common): An account in the name of And Not As Tenants In Common). This is owned by two or more persons. Each of you intends when you die the balance in Deposits and any additions to the account (subject to any previous pledge to which we have agreed) will belong to are the survivor(s). If two or more property of you survive, you will own the balance in the account owners as joint tenants with survivorship right of survivorship. This means that we may release the entire account to any owner during the lifetime of all owners. We may honor withdrawal requests (including checks) from any owner during the lifetime of all owners. We may be required to release money in the account to satisfy a judgment against or other valid debt incurred by any owner. We may honor withdrawal requests (including checks) from any surviving owner after the death of any owner, and may treat the account as the sole property of the surviving owner(s). Unless an owner directs us by written notice not as tenants in commonto honor the withdrawal request (including checks) of an owner we will not be liable for doing so. After we receive such a notice, we may require written authorization of any or all joint owners for any further payments or deliveries. Joint Account - No Survivorship (as tenants in common): An account As Tenants In Common). This is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “"number of signatures” " necessary for withdrawal. Convenience Account. Governed by New York Banking Law § 678. See separate disclosure. Revocable Trust Account: . If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this account type reserve the right to: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds at any time. Business Business, Organization and Association Accounts: . Earnings in the form of interest, dividends dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You represent that you have the authority to open and conduct business on this account on behalf of the entity. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx (Individual Accounts only): Stop Payments. Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules. A single individual is stop-payment order must be given in the ownermanner required by law and must be received in time to give us a reasonable opportunity to act on it. The authorized xxxxxx is merely designated Because stop-payment orders are handled by computers, to conduct transaction on be effective the owner’s behalforder must precisely identify the number, date and amount of the item, and the payee. We undertake no obligation to monitor transactions to determine that they are on will honor a stop-payment request by the owner’s behalf. TEMPORARY ACCOUNT AGREEMENT If this option is selected, this is a temporary account agreement. Each person who signs signed the particular item, and, by any other person, even though such other person did not sign the item. Generally, if your stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the space designated order in writing before the end of the six-month period. If the original stop- payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We are not obligated to notify you when a stop-payment order expires. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for signatures on those damages or expenses, including attorneys’ fees. You assign to us all rights against the signature card (except as indicated payee or any other holder of the item. You agree to the contrary) may transact business on this account; however, cooperate with us in any legal actions that we may at some time in take against such persons. You should be aware that anyone holding the future restrict or prohibit further use of this account if item may be entitled to enforce payment against you fail to comply with despite the requirement we have imposed within a reasonable timestop-payment order.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An Account – is an account in the name of one person. Joint Account with – With Survivorship (not And Not as tenants in common): An Tenants In Common) – is an account in the name of two or more persons. Each of you intends that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account – No Survivorship (as tenants in common): An account As Tenants In Common) – is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Revocable Trust Account: or Pay-On-Death Account – If two or more of you create such an this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this either of these account type reserve the right totypes may: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds at any time. Business Accounts: BUSINESS ACCOUNTS – Earnings in the form of interest, dividends dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx (Individual Accounts only): STOP PAYMENTS – You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A single individual release of the stop-payment request may be made only by the person who initiated the stop-payment order. Our stop- payment cutoff time is one hour after the owneropening of the next banking day after the banking day on which we received the item. The authorized xxxxxx is merely designated to conduct transaction Additional limitations on the owner’s behalf. We undertake no our obligation to monitor transactions to determine that they stop payment are on the owner’s behalf. TEMPORARY ACCOUNT AGREEMENT If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card provided by law (except as indicated to the contrary) may transact business on this account; howevere.g., we may at some time paid the item in cash or we certified the future restrict or prohibit further use of this account if you fail to comply with the requirement we have imposed within a reasonable timeitem).

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership ow nership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership ow nership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership ow nership and beneficiary designations, except as they determine to whom we w hom w e pay the account funds. Individual Account: An Account - is an account in the name of one person. Joint Account with - With Survivorship (not as tenants in common): An And Not As Tenants In Common) - is an account in the name of two tw o or more persons. Each of you intends when intend that w hen you die the balance in the account (subject to any previous pledge to which we w hich w e have agreed) will w ill belong to the survivor(s). If two tw o or more of you survive, you will own w ill ow n the balance in the account as joint tenants with w ith survivorship and not as tenants in common. Joint Account - No Survivorship (as tenants in common): An account owned As Tenants In Common) - is ow xxx by two tw o or more persons, but none regardless of w hether you signed the item or benefited from the of you intends intend (merely by opening this account) to create any right of charge or overdraft. You w ill also be liable for our costs to collect survivorship in any other person. We encourage you to agree and tell the deficit as w ell as for our reasonable attorneys' fees, to tell the us in writing w riting of the percentage of the deposit contributed by each of extent permitted by law, w hether incurred as a result of collection or you. This information will w ill not, howeverhow ever, affect the “" number of in any other dispute involving your account including, but not limited signatures” " necessary for withdrawalw ithdraw al. Revocable Trust Account: Account - If two to, disputes betw een you and another joint ow ner; you and an tw o or more of you create such an account, you own ow n the account authorized signer or similar party; or a third party claiming an interest jointly with w ith survivorship. Beneficiaries cannot withdraw w ithdraw unless: (1) in your account. all persons creating the account diesdie, and (2) the beneficiary is then DEPOSITS - We w ill give only provisional credit until collection is living. If two tw o or more beneficiaries are named and survive the death final for any items, other than cash, w e accept for deposit (including of all persons creating the account, such beneficiaries will own w ill ow n this items draw n " on us" ). Actual credit for deposits of, or payable in, account in equal shares, without w ithout right of survivorship. The person(s) foreign currency w ill be at the exchange rate in effect on final creating this account type reserve the right to: (1) change collection in U.S. dollars. We are not responsible for transactions by beneficiaries, (2) change account types types, and (3) withdraw w ithdraw all or part mail or outside depository until w e actually record them. We w ill of the account funds at any time. Business Accounts: BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - agree that the time you have to examine your statement and report Earnings in the form of interest, dividends dividends, or credits will w ill be paid to us w ill depend on the circumstances. How ever, such time period only on collected funds, unless otherwise otherw ise provided by law or our shall not exceed 60 days. Failure to examine your statement and policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who w ho is authorized to act on its behalf. We will w ill honor the authorization until we report any such errors to us w ithin 60 days of w hen w e first send or make the statement available precludes you from asserting a claim against us for any such errors on items identified in that w e actually receive written w xxxxxx notice of a change from the governing statement and as betw een you and us the loss w ill be entirely yours. body of the legal entity. Authorized Xxxxxx STOP PAYMENTS - You must make any stop-payment order in the Errors Relating to Electronic Fund Transfers or Substitute Checks (Individual Accounts For consumer accounts only): ) - For information on errors relating manner required by law and w e must receive it in time to give us a to electronic fund transfers (e.g., computer, debit card or ATM reasonable opportunity to act on it before our stop-payment cutoff transactions) ref er to your Electronic Fund Transfers disclosure and time. To be effective, your stop-payment order must precisely the sections on consumer liability and error resolution. For identify the number, date and amount of the item, and the payee. information on errors relating to a substitute check you received, You may stop payment on any item draw n on your account w hether you sign the item or not, if you have an equal or great er right to w ithdraw from this account than the person w ho signed the item. A single individual release of the stop-payment request may be made only by the person who initiated the stop-payment order. Our stop-payment cutoff time is one hour after the owneropening of the refer to your disclosure entitled Substitute Checks and Your Rights. The authorized ACCOUNT TRANSFER - This account may not be transferred or assigned w ithout our prior w xxxxxx is merely designated consent. DIRECT DEPOSITS - If, in connection w ith a direct deposit plan, w e deposit any amount in an account w hich should have been returned to conduct transaction the Federal Government for any reason, you authorize us to next banking day after the banking day on which w e receive the owner’s behalfdeduct the amount of our liability to the Federal Government from item. Additional limitations on our obligation to stop payment are the account or from any other account you have w ith us, w ithout provided by law (e.g., w e paid the item in cash or w e certified the prior notice and at any time, except as prohibited by law . We undertake no obligation may item). also use any other legal remedy to monitor transactions recover the amount of our TELEPHONE TRANSFERS - A telephone transfer of funds from this account to determine that they are on another account w ith us, if otherwise arranged for or permitted, may be made by the owner’s behalfsame persons and under the same conditions generally applicable to withdraw als made in writing. Unless a different limitation is disclosed in w riting, w e restrict the liability. TEMPORARY ACCOUNT AGREEMENT - If this option is selected, this is a temporary account agreement. Each person who w ho signs in to open the space designated for signatures on the signature card account or has authority to make w ithdraw als (except as indicated to the contrary) may transact business on this account; however. number of transfers from a savings account to another account or to How ever, we w e may at some time in the future restrict or prohibit third parties, to a maximum of six per month (less the number of further use of this account if you fail to comply with w ith the requirement we " preauthorized transfers" during the month). Other account transfer requirements w e have imposed within w ithin a reasonable time. restrictions may be described elsew here. AMENDMENTS AND TERMINATION - We may change our bylaw s RIGHT TO REPAYMENT OF INDEBTEDNESS - You each agree that w e may (w ithout prior notice and w hen permitted by law ) charge and any term of this agreement. Rules governing changes in rates against and deduct from this account any due and payable debt are provided separately. For other changes we w ill give you ow ed to us now or in the future, by any of you having the right of reasonable notice in w riting or by any other method permitted by law . We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, w e may w ithdraw al, to the extent of such persons' or legal entity' s right to w ithdraw . If the debt arises from a note, " any due and payable debt" includes the total amount of w hich we are entitled to demand payment under the terms of the note at the time w e charge the suspend your rights to member services if you violate the terms of account, including any balance the due date for w hich w e properly this agreement. You must keep us informed of your current address accelerate under the note. at all times. Notice from us to any one of you is notice to all of you. STATEMENTS - Your Duty to Report Unauthorized Signatures, Alterations and Forgeries - You must examine your statement In addition to these contract rights, we may also have rights under a " statutory lien." A " lien" on property is a creditor' s right to obtain ow nership of the property in the event a debtor defaults on a of account with " reasonable promptness." If you discover (or debt. A " statutory lien" is one created by federal or state statute. If reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As betw een you and us, if you fail to do either of these duties, you w ill have to either share the loss w ith us, or bear the loss entirely yourself (depending on w hether w e used ordinary care and, if not, federal or state law provides us w ith a statutory lien, then w e are authorized to apply, w ithout prior notice, your shares and dividends to any debt you ow e us, in accord w ith the statutory lien. Neither our contract rights nor rights under a statutory lien apply to this account if prohibited by law . For example, neither our w hether w e substantially contributed to the loss). The loss could be contract rights nor rights under a statutory lien apply to this account not only w ith respect to items on the stat ement but other items w ith if: (a) it is an Individual Retirement Account or similar tax-def erred unauthorized signatures or alterations by the same w rongdoer. You agree that the time you have to examine your statement and account, or (b) the debt is creat ed by a consumer credit transaction under a credit card plan (but this does not affect our rights under any report to us w ill depend on the circumstances, but w ill not, in any consensual security interest), or (c) the debtor' s right of withdraw al circumstance, exceed a total of 30 days from w hen the statement is first sent or made available to you. You further agree that if you fail to report any unauthorized arises only in a representative capacity. We w ill not be liable for the dishonor of any check or draft w hen the dishonor occurs because w e charge and deduct an amount you ow e us from your account. signatures, alterations or forgeries in your account w ithin 60 days You agree to hold us harmless from any claim arising as a result of of w hen w e first send or make the stat ement available, you cannot our exercise of our right to repayment. assert a claim against us on any items in that statement, and as AUTHORIZED SIGNER (Individual Accounts only) - A single individual betw een you and us the loss w ill be entirely yours. This 60-day is the ow ner. The authorized signer is merely designated to conduct limitation is w ithout regard to w hether w e used ordinary care. The transactions on the ow ner' s behalf. We undertake no obligation to limitation in this paragraph is in addition to that contained in the first monitor transactions to determine that they are on the ow ner' s paragraph of this section. behalf.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An Account - is an account in the name of one person. Joint Account with - With Survivorship (not as tenants in common): An And Not As Tenants In Common)-is an account in the name of two or more persons. Each of you intends that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account Account-No Survivorship (as tenants in common): An account As Tenants In Common) - is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to tell us Each owner’s percentage ownership in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Revocable Trust Account: If two or more of you create such an account, you own the account jointly with survivorshipis determined according to state law. Beneficiaries cannot withdraw unless: (1) all persons creating the account dies, Ownership can vary depending on respective contributions and (2) the beneficiary is then livingtheir sources. If two or more beneficiaries are named and survive Because we will be unable to determine respective ownership percentages conclusively upon the death of an owner, you agree that we may pay out all persons creating or part of account funds on the account, such beneficiaries will own this account in equal shares, without instructions of either the decedent’s personal representative or any surviving owner notwithstanding the absence of a right of survivorship. The person(s) creating this account type reserve Our authority to make such payments shall not affect the right to: (1) change beneficiaries, (2) change account types and (3) withdraw all or part respective rights of the decedent’s personal representative and surviving owners to their proper ownership percentages of account funds at any timeproceeds, which they may seek to, have determined judicially. Business Accounts: Earnings Ownership as tenants in common will not affect the form number of interest, dividends or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx (Individual Accounts only): A single individual is the owner. The authorized xxxxxx is merely designated to conduct transaction on the owner’s behalf. We undertake no obligation to monitor transactions to determine that they are on the owner’s behalf. TEMPORARY ACCOUNT AGREEMENT If this option is selected, this is a temporary account agreement. Each person who signs in the space designated signatures necessary for signatures on the signature card (except as indicated to the contrary) may transact business on this account; however, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirement we have imposed within a reasonable timewithdrawal.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An Account – is an account in the name of one person. Joint Account with - With Survivorship (not And Not as tenants in common): An Tenants In Common) is an account in the name of two or more persons. Each of you intends intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account – No Survivorship (as tenants As Tenants in common): An account Common) – is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to and tell us in writing of the percentage of the deposit contributed by each of you. This The information will not, however, affect the “"number of signatures” " necessary for withdrawal. Revocable Recoverable Trust Account: Account – If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this account type reserve the right to: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds at any time. Business Accounts: BUSINESS ACCOUNTS – Earnings in the form of interest, dividends dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx STOP PAYMENTS – You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identity the number, date and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. You have an equal or greater right to withdraw from this account than the person who signed the item. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law (Individual Accounts only): e.g., we paid the item in cash or we certified the item). TELEPHONE TRANSFERS – A single individual telephone transfer of funds from this account to another account with us. If otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the ownernumber of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of "preauthorized transfers" during the month). Other account transfer restrictions may be described elsewhere. AMENDMENTS AND TERMINATION – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. Notice from us to any one of you is notice to all of you. STATEMENTS – You must examine your statement of account with "reasonable promptness". If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss.) The loss could not only be with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstances, exceed a total of 30 days from when the statement is first sent or made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This, 60-day limitation is without regard to whether we used ordinary care. The authorized xxxxxx limitation in this paragraph is merely designated in addition to conduct transaction on that contained in the owner’s behalffirst paragraph of this section. ACCOUNT TRANSFER – This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS - It, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability with us, without prior notice and at any time, except as prohibited by law. We undertake no obligation may also use any other legal remedy to monitor transactions to determine that they are on recover the owner’s behalfamount of our liability. TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account; however. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirement requirements we have imposed within a reasonable time.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An Account - is an account in the name of one person. Joint Account with - With Survivorship (not as tenants in common): An And Not As Tenants In Common) - is an account in the name of two or more persons. Each of you intends intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account - No Survivorship (as tenants in common): An account As Tenants In Common) - This is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” signatures necessary for withdrawal. Revocable Trust Account: or Pay-On-Death Account - If two or more of you create such an this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this either of these account type reserve the right totypes may: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds at any time. Business Accounts: BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You represent that you have the authority to open and conduct business on this account on behalf of the entity. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules. We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop-payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. If the original stop- payment order was oral your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We are not obligated to notify you when a stop-payment order expires. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law (Individual Accounts only): e.g., we paid the item in cash or we certified the item). TELEPHONE TRANSFERS - A single individual is telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the ownersame persons and under the same conditions generally applicable to withdrawals made in writing. The authorized xxxxxx is merely designated to conduct transaction Limitations on the owner’s behalfnumber of telephonic transfers from a savings account are described elsewhere. AMENDMENTS AND TERMINATION - We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately in the Truth-in-Savings disclosure or in another document. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We undertake no obligation may close this account if your membership in the credit union terminates, or by giving reasonable notice to monitor transactions you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to determine cover any outstanding items and charges to be paid from the account. Only a joint tenant that they are is a member can close an account. Reasonable notice depends on the owner’s behalfcircumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. TEMPORARY ACCOUNT AGREEMENT If this option is selectedFor instance, this is a temporary if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account agreementand then give you notice. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account; howeverAt our option, we may at some time in suspend your rights to member services if you violate the future restrict or prohibit further use terms of this account if you fail to comply with the requirement agreement. If we have imposed within notified you of a reasonable timechange in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s).

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These You intend these rules to apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accountspage 1. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An account in the name of Account - is owned by one person. Joint Account with - With Survivorship (not as tenants in common): An account in the name of And Not As Tenants In Common) - is owned by two or more persons. Each of you intends when you die intend that upon your death the balance in the account (subject to any previous pledge to which we have agreedconsented) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account - No Survivorship (as tenants in common): An account As Tenants In Common) - is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Revocable Trust Account: Account - If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot acquire the right to withdraw unlessonly if: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. Any such beneficiary may withdraw all or any part of the account balance. The person(s) creating this account type reserve the right to: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds deposit at any time. Business Accounts: Earnings Corporate, Partnership, and other Organizational Accounts - We will usually require a separate authorization form designating the person permitted and conditions required for withdrawal from any account in the form name of interesta legal entity such as a partnership, dividends corporation, or credits will be paid only on collected funds, unless otherwise provided by law or our policyother organization. We may require will honor such authorization according to its terms until it is amended or terminated in writing by the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx (Individual Accounts only): A single individual is the owner. The authorized xxxxxx is merely designated to conduct transaction on the owner’s behalf. We undertake no obligation to monitor transactions to determine that they are on the owner’s behalf. TEMPORARY ACCOUNT AGREEMENT If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account; however, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirement we have imposed within a reasonable timesuch organization.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An Account – is an account in the name of one person. Joint Account with – With Survivorship (not And Not as tenants in common): An Tenants In Common) – is an account in the name of two or more persons. Each of you intends that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account – No Survivorship (as tenants in common): An account As Tenants In Common) – is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Revocable Trust Account: or Pay-On-Death Account – If two or more of you create such an this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this either of these account type reserve the right totypes may: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds at any time. Business Accounts: BUSINESS ACCOUNTS – Earnings in the form of interest, dividends dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx STOP PAYMENTS – You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. Our stop- payment cutoff time is one hour after the opening of the next banking day after the banking day on which we received the item. Additional limitations on our obligation to stop payment are provided by law (Individual Accounts only): e.g., we paid the item in cash or we certified the item). TELEPHONE TRANSFERS – A single individual telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, Terms and Conditions (Page 1 of 6) Rev. 05/01/12 we restrict the ownernumber of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month.) Other account transfer restrictions may be described elsewhere. AMENDMENTS AND TERMINATION – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. Notice from us to any one of you is notice to all of you. STATEMENTS – You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The authorized xxxxxx is merely designated loss could be not only with respect to conduct transaction items on the owner’s behalfstatement but other items with unauthorized signatures or alterations by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors in your account within 60 days of when we first send or make statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60- day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. ACCOUNT TRANSFER – This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS – If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We undertake no obligation may also use any other legal remedy to monitor transactions to determine that they are on recover the owner’s behalfamount of our liability. TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account; however. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirement requirements we have imposed within a reasonable time.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account theaccount records. We reserve the right theright to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An Account – is an account in the name of one person. Joint Account with – With Survivorship (not And Not as tenants in common): An Tenants In Common) – is an account in the name of two or more persons. Each of you intends that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account – No Survivorship (as tenants in common): An account As Tenants In Common) – is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Revocable Trust Account: or Pay-On-Death Account – If two or more of you create such an this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this either of these account type reserve the right totypes may: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds at any time. Business Accounts: Earnings in BUSINESS ACCOUNTS – Earningsin the form of interest, dividends or credits dividends, orcredits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we untilwe actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx STOP PAYMENTS – You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. Our stop- payment cutoff time is one hour after the opening of the next banking day after the banking day on which we received the item. Additional limitations on our obligation to stop payment are provided by law (Individual Accounts only): e.g., we paid the item in cash or we certified the item). TELEPHONE TRANSFERS – A single individual telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the ownernumber of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month.) Other account transfer restrictions may be described elsewhere. AMENDMENTS AND TERMINATION – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. Notice from us to any one of you is notice to all of you. STATEMENTS – You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The authorized xxxxxx is merely designated loss could be not only with respect to conduct transaction items on the owner’s behalfstatement but other items with unauthorized signatures or alterations by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you. Youfurtheragree thatif you failto reportany unauthorized signatures, alterations, forgeries, or any other errors in your account within 60 days of when we first send or make statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60- day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. ACCOUNT TRANSFER – This account may not be transferred or assigned withoutourpriorwrittenconsent. DIRECT DEPOSITS – If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We undertake no obligation may also use any other legalremedy to monitor transactions to determine that they are on recover the owner’s behalfamount of our liability. TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account; however. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirement requirements we have imposed within a reasonable time.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An . This is an account in the name of one person. Joint Account with Survivorship (not as tenants in common): An Account. This is an account in the name names of two or more persons. Each Any one of you intends when you die such persons, acting alone, has complete access to the account. Upon the death of any party to such account, we are permitted to pay the account balance to the surviving parties, but this authority protects us only. The surviving joint parties may be liable to the heirs, legatees, or creditors of the deceased party to the extent the funds withdrawn by the survivors were owed to the deceased. If any party to a joint account sends notice to us to prevent withdrawals from the account by another party or parties, we may require the party to withdraw the balance in and close the account (subject or we may refuse to allow any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in further withdrawals from the account as joint tenants with survivorship and not as tenants in commonexcept upon the written consent of all parties to it. Joint Account No Survivorship (as tenants in common): An account owned by two or more persons, but none of you intends (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawalThe remedy we choose is entirely at our discretion. Revocable Trust or Pay-on-Death Account: . If two or more of you create such an account, you own the account jointly with survivorshipand the respective interests of each of you shall be deemed equal, unless otherwise stated in our account records. Beneficiaries cannot acquire the right to withdraw unlessonly if: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorshipunless otherwise stated in our account records. The person(s) creating this either of these account type reserve types reserves the right to: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds at any time. Business Business, Organization and Association Accounts: . Earnings in the form of interest, dividends dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You represent that you have the authority to open and conduct business on this account on behalf of the entity. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx (Individual Accounts only): A single individual is Stop Payments. Unless otherwise provided, the ownerrules in this section cover stopping payment of items such as checks and drafts. The authorized xxxxxx is merely designated Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to conduct transaction on the owner’s behalfyou elsewhere, you may ask us about those rules. We undertake no may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. Because stop-payment orders are handled by computers, to be effective, your stop-payment order must precisely identify the number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop- payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. If the original stop-payment order was verbal your stop-payment order will lapse after 14 calendar days if you do not confirm your order in writing within that time period. We are not obligated to notify you when a stop- payment order expires. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to monitor transactions to determine that they stop payment are on the owner’s behalf. TEMPORARY ACCOUNT AGREEMENT If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card provided by law (except as indicated to the contrary) may transact business on this account; howevere.g., we may at some time paid the item in cash or we certified the future restrict or prohibit further use of this account if you fail to comply with the requirement we have imposed within a reasonable timeitem).

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designationdesignations, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An Account - is an account in the name of one person. Joint Account with Survivorship (not as tenants in common): An - This is an account in the name names of two or more persons. Each Any one of you intends when you die such persons, acting alone, has complete access to the account. Upon the death of any party to such account, we are permitted to pay the account balance to the surviving parties but this authority protects us only. The surviving joint parties may be liable to the heirs, legatees, or creditors of the deceased party to the extent the funds withdrawn by the survivors were owed to the deceased. If any party to a joint account sends notice to us to prevent withdrawals from the account by another party or parties, we may require the party to withdraw the balance in and close the account (subject or we may refuse to allow any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in further withdrawals from the account as joint tenants with survivorship and not as tenants in commonexcept upon the written consent of all parties to it. Joint Account No Survivorship (as tenants in common): An account owned by two or more persons, but none of you intends (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawalThe remedy we choose is entirely at our discretion. Revocable Trust Account: or Pay-on-Death Account - If two or more of you create such an account, you own the account jointly with survivorshipand the respective interests of each of you shall be deemed equal, unless otherwise stated in our account records. Beneficiaries cannot acquire the right to withdraw unlessonly if: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorshipunless otherwise stated in our account records. The person(s) creating this either of these account type reserve types reserves the right to: (1) change beneficiaries, (2) change account types types, and (3) withdraw all or part of the account funds at any time. Organizational and Business Accounts: Accounts Earnings in the form of interest, dividends dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx (Individual Accounts only): Stop Payments You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A single individual release of the stop-payment request may be made only by the person who initiated the stop-payment order. Our stop-payment cutoff time is one hour after the owneropening of the next banking day after the banking day on which we receive the item. The authorized xxxxxx is merely designated to conduct transaction Additional limitations on the owner’s behalf. We undertake no our obligation to monitor transactions to determine that they stop payment are on the owner’s behalf. TEMPORARY ACCOUNT AGREEMENT If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card provided by law (except as indicated to the contrary) may transact business on this account; howevere.g., we may at some time paid the item in cash or we certified the future restrict or prohibit further use of this account if you fail to comply with the requirement we have imposed within a reasonable timeitem).

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION. These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account: An Account - is an account in the name of one person. Joint Account with - With Survivorship (not as tenants in common): An And Not As Tenants In Common) - is an account in the name of two or more persons. Each of you intends intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account - No Survivorship (as tenants in common): An account As Tenants In Common) - is owned by two or more persons, but none of you intends intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree to and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Revocable Trust Account: or Pay-On-Death Account - If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account diesdie, and (2) the beneficiary is then living. If, at the death of the owner(s) of this account, the beneficiary is not living, the beneficiary’s estate acquires ownership of the account. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this either of these account type reserve types reserves the right to: (1) change beneficiaries, (2) change account types and (3) withdraw all or part of the account funds at any time. Business Accounts: Earnings in the form of interest, dividends or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity. Authorized Xxxxxx (Individual Accounts only): A single individual is the owner. The authorized xxxxxx is merely designated to conduct transaction on the owner’s behalf. We undertake no obligation to monitor transactions to determine that they are on the owner’s behalf. TEMPORARY ACCOUNT AGREEMENT If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account; however, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirement we have imposed within a reasonable time.,