Terms Governing Your Accounts. This Agreement describes the terms and conditions for many of the deposit accounts and services offered by Eastern Savings Bank, fsband replaces all prior agreements, including those on the reverse of Signature Cards signed prior to August 1999. Please review this information and keep it with your other account records. The Federal Deposit Insurance Corporation ("FDIC") insures all deposit accounts governed by these rules to the maximum amounts allowed and according to federal regulations governing insured deposits. For the purpose of this document, "you," "your," and "yours" shall refer to each Depositor. "We," "us," "our," "ours," and "the Bank" shall refer to Eastern Savings Bank, fsb. All references to time of day in this Agreement refer to Eastern Time (daylight or standard as applicable). This Agreement, together with the account disclosures for your type of account, forms, and brochure materials (collectively, the "Rules"), governs all deposit accounts offered by the Bank, constitutes the entire agreement governing this account, and supersedes all prior oral or written agree- ments, understandings, or communications. The Bank's managers and associates do not have the authority to verbally or otherwise modify or change these contract rights and obligations except in writing as provided in the "Changes or Amendments" section. You agree to abide by the Rules outlined in these various materials. The rights and obligations set forth in these Rules may be modified only in writing as set forth below. The laws and regulations of the United States and the State of Maryland (excluding conflict of laws principles) govern your account and these Rules. Once you sign a Signature Card, otherwise open a new account, make a trans- action on or otherwise use an existing account, or renew an existing Time Deposit Account, you have accepted the Rules, including all present and past changes and amendments made to the Rules since your account or TimeDeposit Accountwasfirst opened.
Terms Governing Your Accounts
