Common use of Sub-Accounts Clause in Contracts

Sub-Accounts. For regulatory accounting purposes, we may classify checking accounts as two sub-accounts: a checking sub account and a savings sub-account. For interest-bearing checking accounts, we calculate and pay interest at the same rate and in the same way on both sub-accounts. For non-interest bearing checking accounts, we do not pay interest on either sub-account. We may transfer funds between these sub-accounts. We record the sub-accounts and any transfers between them on our internal accounting records only. Otherwise, the sub-accounts are subject to the same terms as the checking and savings accounts described in this Agreement. Unclaimed Property – Accounts Presumed Abandoned or Inactive State and federal law and our policy govern when accounts are considered abandoned. Your account is usually considered abandoned if you have not performed at least one of the following activities for the period of time specified in the appropriate state’s unclaimed property law: made a deposit or withdrawal, written to us about the account or otherwise shown an interest in the account, such as asking us to keep the account active. You usually need to perform or initiate the activity. Therefore, bank charges, interest payments, automatic deposits and withdrawals are usually not considered activity. We are required by the unclaimed property laws to turn over accounts considered abandoned to the appropriate state. We will use the state of the last known U.S. address to determine an account’s inactive and / or abandoned status. In the event a U.S. address is not provided, Texas inactive and abandoned laws will apply. Before we turn over an abandoned account, we may send a notice to the address we currently show for the account statement. We may not send this notice if mail we previously sent to this address was returned. Unless prohibited by the applicable state law, we may charge the account our costs and expenses of any notice, advertisement, payment, and delivery of the account to the applicable state agency. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. If we consider your account inactive (unless prohibited by federal law or the appropriate state law) we may:  charge dormant account fees on the account in addition to regular monthly maintenance and other fees  stop sending statements  if the account received interest, stop paying interest on the account  refuse to pay items drawn on or payable out of the account If you re-establish contact with us, we do not have to reimburse you for these fees and we are not liable to you for any interest that would otherwise have accrued on your account.

Sub-Accounts. For regulatory accounting purposes, we may classify checking accounts as two sub-accounts: a checking sub account and a savings sub-account. For interest-bearing checking accounts, we calculate and pay interest at the same rate and in the same way on both sub-accounts. For non-interest bearing checking accounts, we do not pay interest on either sub-account. We may transfer funds between these sub-accounts. We record the sub-accounts and any transfers between them on our internal accounting records only. Otherwise, the sub-accounts are subject to the same terms as the checking and savings accounts described in this Agreement. Unclaimed Property – Accounts Presumed Abandoned or Inactive State and federal law and our policy govern when accounts are considered abandoned. Your account is usually considered abandoned if you have not performed at least one of the following activities for the period of time specified in the appropriate state’s unclaimed property law: made a deposit or withdrawal, written to us about the account account, or otherwise shown an interest in the account, such as asking us to keep the account active. You usually need to perform or initiate the activity. Therefore, bank charges, interest payments, automatic deposits deposits, and withdrawals are usually not considered activity. We are required by the unclaimed property laws to turn over accounts considered abandoned to the appropriate state. We will use the state of the last known U.S. address to determine an account’s inactive and / or abandoned status. In the event that a U.S. address is not provided, Texas inactive and abandoned laws will apply. Before we turn over an abandoned account, we may send a notice to the address we currently show for the account statement. We may not send this notice if mail we previously sent to this address was returned. Unless prohibited by the applicable state law, we may charge the account our costs and expenses of any notice, advertisement, payment, and delivery of the account to the applicable state agency. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. If we consider your account inactive inactive, then (unless prohibited by federal law or the appropriate state law) we may:  • charge dormant account fees on the account in addition to regular monthly maintenance and other fees  fees, • stop sending statements  statements, • if the account received interest, stop paying interest on the account  account; and • refuse to pay items drawn on or payable out of the account account. If you re-establish contact with us, we do not have to reimburse you for these fees and we are not liable to you for any interest that would otherwise have accrued on your account.

Sub-Accounts. For regulatory accounting purposes, we may classify checking accounts as two sub-accounts: a checking sub account and a savings sub-account. For interest-bearing checking accounts, we calculate and pay interest at the same rate and in the same way on both sub-accounts. For non-interest bearing checking accounts, we do not pay interest on either sub-account. We may transfer funds between these sub-accounts. We record the sub-accounts and any transfers between them on our internal accounting records only. Otherwise, the sub-accounts are subject to the same terms as the checking and savings accounts described in this Agreement. Unclaimed Property – Accounts Presumed Abandoned or Inactive State and federal law and our policy govern when accounts are considered abandoned. Your account is usually considered abandoned if you have not performed at least one of the following activities for the period of time specified in the appropriate state’s unclaimed property law: made a deposit or withdrawal, written to us about the account or otherwise shown an interest in the account, such as asking us to keep the account active. You usually need to perform or initiate the activity. Therefore, bank charges, interest payments, automatic deposits and withdrawals are usually not considered activity. We are required by the unclaimed property laws to turn over accounts considered abandoned to the appropriate state. We will use the state of the last known U.S. address to determine an account’s inactive and / or abandoned status. In the event a U.S. address is not provided, Texas inactive and abandoned laws will apply. Before we turn over an abandoned account, we may send a notice to the address we currently show for the account statement. We may not send this notice if mail we previously sent to this address was returned. Unless prohibited by the applicable state law, we may charge the account our costs and expenses of any notice, advertisement, payment, and delivery of the account to the applicable state agency. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. If we consider your account inactive (unless prohibited by federal law or the appropriate state law) we may:  • charge dormant account fees on the account in addition to regular monthly maintenance and other fees  • stop sending statements  • if the account received interest, stop paying interest on the account  • refuse to pay items drawn on or payable out of the account If you re-establish contact with us, we do not have to reimburse you for these fees and we are not liable to you for any interest that would otherwise have accrued on your account.

Sub-Accounts. For regulatory accounting purposes, we may classify checking accounts as two sub-accounts: a checking sub account and a savings sub-account. For interest-bearing checking accounts, we calculate and pay interest at the same rate and in the same way on both sub-accounts. For non-interest bearing checking accounts, we do not pay interest on either sub-account. We may transfer funds between these sub-accounts. We record the sub-accounts and any transfers between them on our internal accounting records only. Otherwise, the sub-accounts are subject to the same terms as the checking and savings accounts described in this Agreement. Unclaimed Property – Accounts Presumed Abandoned or Inactive State Texas and federal law and our policy govern when accounts are considered abandoned. Your account is usually considered abandoned if you have not performed at least one of the following activities for the period of time specified in the appropriate state’s Texas’ unclaimed property law: made a deposit or withdrawal, written to us about the account account, or otherwise shown an interest in the account, such as asking us to keep the account active. You usually need to perform or initiate the activity. Therefore, bank charges, interest payments, automatic deposits deposits, and withdrawals are usually not considered activity. We are required by the unclaimed property laws to turn over accounts considered abandoned to the appropriate state. We will use the state of the last known U.S. address to determine an account’s inactive and / or abandoned status. In the event a U.S. address is not provided, Texas inactive and abandoned laws will applyTexas. Before we turn over an abandoned account, we may send a notice to the address we currently show for the account statement. We may not send this notice if mail we previously sent to this address was returned. Unless prohibited by the applicable state law, we may charge the account our costs and expenses of any notice, advertisement, payment, and delivery of the account to the applicable state agency. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. If we consider your account inactive inactive, then (unless prohibited by federal law or the appropriate law of the state lawof Texas) we may:  • charge dormant account fees on the account in addition to regular monthly maintenance and other fees  fees, • stop sending statements  statements, • if the account received interest, stop paying interest on the account  account; and • refuse to pay items drawn on or payable out of the account account. If you re-establish contact with us, we do not have to reimburse you for these fees and we are not liable to you for any interest that would otherwise have accrued on your account.

Sub-Accounts. For regulatory accounting purposes, we may classify checking accounts as two sub-accounts: a checking sub sub-account and a savings sub-account. For interest-bearing checking accounts, we calculate and pay interest at the same rate and in the same way on both sub-accounts. For non-interest bearing checking accounts, we do not pay interest on either sub-account. We may transfer funds between these sub-accounts. We record the sub-sub- accounts and any transfers between them on our internal accounting records only. Otherwise, the sub-accounts are subject to the same terms as the checking and savings accounts described in this Agreement. Unclaimed Property – Accounts Presumed Abandoned or Inactive State and federal law and our policy govern when accounts are considered abandoned. The applicable state law is generally the stated listed in your home of record address Your account is usually considered abandoned if you have not performed at least one of the following activities for the period of time specified in the appropriate state’s unclaimed property law: made a deposit or withdrawal, written to us about the account or otherwise shown an interest in the account, such as asking us to keep the account active. You usually need to perform or initiate the activity. Therefore, bank charges, interest payments, automatic deposits and withdrawals are usually not considered activity. We are required by the unclaimed property laws to turn over accounts considered abandoned to the appropriate state. We will use the state of the last known U.S. address to determine an 75 account’s inactive and / or abandoned status. In the event a U.S. address is not provided, Texas inactive and abandoned laws will apply. Before we turn over an abandoned account, we may send a notice to the address we currently show for the account statement. We may not send this notice if mail we previously sent to this address was returned. Unless prohibited by the applicable state law, we may charge the account our costs and expenses of any notice, advertisement, payment, and delivery of the account to the applicable state agency. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. If we consider your account inactive (unless prohibited by federal law or the appropriate state law) we may:  • charge dormant account fees on the account in addition to regular monthly maintenance and other fees  • stop sending statements  • if the account received interest, stop paying interest on the account  • refuse to pay items drawn on or payable out of the account If you re-establish contact with us, we do not have to reimburse you for these fees and we are not liable to you for any interest that would otherwise have accrued on your account.