Common use of TERMS AND CONDITIONS OF YOUR ACCOUNT Clause in Contracts

TERMS AND CONDITIONS OF YOUR ACCOUNT. This Personal Account Agreement (“Agreement”) explains important terms and conditions which govern your consumer deposit account(s) with us. Please read this Agreement carefully and keep it with your banking records for future reference. NOTE THAT THIS AGREEMENT INCLUDES IMPORTANT CONSUMER DISCLOSURES, INCLUDING DISCLOSURES PROVIDED PURSUANT TO THE ELECTRONIC FUND TRANSFER ACT AND THE EXPEDITED FUNDS AVAILABILITY ACT. When you sign our signature card and/or continue to have an account with us, you and each authorized signer on your account(s) effectively agree to this Agreement, together with any applicable disclosures and related service agreements, including Mechanics Bank’s Schedule of Fees and Charges (“Fee Schedule”), the Account Disclosure and Receipt for Time Deposit, which includes product and rate disclosure information provided separately from this Agreement, all or any of which may be amended from time to time by us.

TERMS AND CONDITIONS OF YOUR ACCOUNT. This Personal Account Agreement – Personal (“Agreement”) explains important terms and conditions which govern your consumer deposit account(s) with us. Please read this Agreement carefully and keep it with your banking records for future reference. NOTE THAT THIS AGREEMENT INCLUDES IMPORTANT CONSUMER DISCLOSURES, INCLUDING DISCLOSURES PROVIDED PURSUANT TO THE ELECTRONIC FUND FUNDS TRANSFER ACT AND THE EXPEDITED FUNDS AVAILABILITY ACT. When you sign our signature card and/or continue to have an account with us, you and each authorized signer on your account(s) accounts effectively agree to this Agreement, together with any applicable disclosures and related service agreements, including Mechanics Bank’s Schedule schedule of Fees fees and Charges charges (“Fee Schedule”), ) and the Account Disclosure and Receipt for Time Deposit, Truth in Savings disclosure which includes product and rate disclosure information provided separately from this Agreement, all or any of which may be amended from time to time by us.