Common use of with us Clause in Contracts

with us. All subsequent Accounts opened by you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to to, or removed from the Accountaccount. The Credit Union will assign account ownership based Based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You you authorize us to establish one or more Accounts from time to time for you or and those on your behalf of third Parties as designated in your Membership Application or in any other application or document Account authorization you may execute with us (collectively, the "“Application"”), including without limitation, but not limited to any Savings Account, Club Account, Checking Account, Money Market Account, Business or Organization Account, and Organizational account or Term Share Certificate Account. By opening or using any such AccountAccount with us, you agree to be bound by the terms of this Agreement if your Account is held for personal, family, or household purposes whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organizationassociation with regard to any such Account. If your Account is held for personal, family, or household purposes, you You also acknowledge receipt of and agree to be bound by our Truth-In-Savings TIS Account DisclosureDisclosures & Rate Schedule along with the TIS Fee Schedule, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time time, and to conform to our rules, regulations, bylaws, policies and policies procedures now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Account Agreement and the Truth-In-Savings TIS Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures & Rate Schedule and Rate and the TIS Fee SchedulesSchedule, the terms appearing in the TIS Account Disclosures & Rate Schedule and Rate and the TIS Fee Schedules Schedule will control. The Truth-In-Savings TIS Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures & Rate Schedule and Rate and the TIS Fee Schedules Schedule are incorporated by reference into this Agreement. This Agreement is incorporated into and made a part of any Application or other document that you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. Unless any other account agreement you have with us specifically provides otherwise, this Agreement supersedes any other account agreement you may have with us and, in the event of any conflict between the provisions of this Agreement and any other such agreement, the terms and conditions set forth in this Agreement will control. You agree, when we post changes to this Agreement, TIS Account Disclosures & Rate Schedule and the TIS Fee Schedules to our website these changes become effective immediately subject to any notification requirements imposed under the Truth-in-Savings Act. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx into Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes The USA PATRIOT Act requires financial institutions to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or servicesidentify potential members before opening an account. When you open an account with us we change this Agreement, require the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions legal name of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxxindividual and/or entity, for easy reference in the futurephysical address, date of birth, Social Security Number, Individual Taxpayer identification Number or Employer Identification Number. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website Additional information may be required that will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change allow us to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to properly identify you. We will not establish accounts if the required information and documentation is not provided. The following valid IDs are not required to send you notice the only forms of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents identification accepted by us. • US driver’s license • US state-issued ID card (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound issued by the changeDepartment of Motor Vehicles) • Passport with photo and in English • Passport Card • Uniformed Services ID card • Common Access Card (CAC) • Matricula Consular • Resident Alien or Permanent Resident Card (a “Green Card”) • United States Employment Authorization Card • Concealed Handgun License – Same as License to Carry (Texas) We require all members and non-members transacting business with us in any capacity to be identified with the forms of identification accepted by us. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, We require said Parties to provide information and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time documentation to time in our sole discretion, subject to applicable law. You support their request which will be given advance notification of any change in terms reviewed and must be deemed compliant with our Identification Policy. We maintain the right to any of these agreementsrefuse the transaction/request based on the information and/or documentation provided. Additionally, schedulesif a person or entity refuses to adhere to our Identification Policy, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To we will deny the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx RBFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes The USA PATRIOT Act requires financial institutions to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or servicesidentify potential members before opening an account. When you open an account with RBFCU we change this Agreement, require the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions legal name of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxxindividual and/or entity, for easy reference in the futurephysical address, date of birth, Social Security Number, Individual Taxpayer identification Number or Employer Identification Number. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website Additional information may be required that will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change allow us to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to properly identify you. We will not establish accounts if the required information and documentation is not provided. The following are not required to send you notice the only forms of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents identification accepted by RBFCU.  US driver’s license  US state-issued ID card (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound issued by the changeDepartment of Motor Vehicles)  Passport with photo and in English  Passport Card  Uniformed Services ID card  Common Access Card (CAC)  Matricula Consular  Resident Alien or Permanent Resident Card (a “Green Card”)  United States Employment Authorization Card  Concealed Handgun License – Same as License to Carry (Texas) We require all members and non-members transacting business with RBFCU in any capacity to be identified with the forms of identification accepted by RBFCU. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, We require said Parties to provide information and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time documentation to time in our sole discretion, subject to applicable law. You support their request which will be given advance notification of any change in terms reviewed and must be deemed compliant with our Identification Policy. RBFCU maintains the right to any of these agreementsrefuse the transaction/request based on the information and/or documentation provided. Additionally, schedulesif a person or entity refuses to adhere to our Identification Policy, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To we will deny the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx RBFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW PERSONAL ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to This Agreement We may change obtain, verify, and record information that identifies each person who opens an account. What this Agreement at any timemeans for you: When you open an account, we will ask for your legal name, physical address, date of birth, Social Security Number or Individual Taxpayer Identification Number and other information that will allow us to identify you. We may add new terms, delete also ask to see your driver’s license or amend existing terms, add new Accounts, other identifying documents. • US driver’s license • US state-issued ID card (issued by the Department of Motor Vehicles) • Passport with photo and discontinue existing Accounts in English • Passport Card • Uniformed Services ID card • Common Access Card (CAC) • Matricula Consular • Resident Alien or services. When we change this Agreement, Permanent Resident Card (a “Green Card”) • United States Employment Authorization Card • Concealed Handgun License – Same as License to Carry (Texas) We require all members and non-members transacting business with RBFCU in any capacity to be identified with the then-current version forms of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will controlidentification accepted by RBFCU. We may convert existing Accounts require said Parties to provide information and services into new Accounts documentation to support their request which will be reviewed and servicesmust be deemed compliant with our Identification Policy. We ordinarily send you advance notice of an adverse change RBFCU maintains the right to refuse the Agreementtransaction/request based on the information and/or documentation provided. HoweverAdditionally, if a person or entity refuses to adhere to our Identification Policy, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See will deny the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts opened by Please read this Agreement carefully so you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. understand your rights and obligations for your deposit Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us and retain a copy for your records. If you have any questions about this Agreement or your Accounts, please contact our Customer Call Center at 000-000-0000 or visit our website, xxx.XxxxXX.xxx. This Agreement is made between you (collectively, the "Application")“Customer”, including without limitation“you”, or “your”) and Bank Rhode Island (collectively, “Bank”, “we”, “our”, “us”) and governs our relationship. This Agreement replaces and supersedes any Savings Account, Checking Account, Money Market Account, Business or Organization Account, prior Personal Deposit Account Agreement and Certificate AccountDisclosures you may have had with us. By opening and maintaining a personal deposit Account with us, or using any such Accountby continuing to maintain or use an existing personal deposit Account with us, you agree to be bound by the terms and conditions of this Agreement. Scope of this Agreement whether This Agreement is supplemented by the terms of other agreements you are acting in your individual capacity, in a fiduciary capacitymay have entered into with us, or will enter into with us in the future based on the services you request that we provide to you, including, but not limited to the eStatements Agreement, External Transfers Agreement, Funds Availability Policy, Online Banking Agreement, Privacy Notice, and, as applicable, related fee schedules and disclosures that govern the terms, conditions, and fees of your capacity personal deposit Account(s) with us, each as may be amended from time to time (such Account agreements, fee schedules and related disclosures being referred to as an officer, agent, or representative “Account Agreement” and collectively as the “Account Agreements”). The terms and conditions of any business entity or organization. If your Account Agreements are incorporated by reference and made a part of this Agreement. In the event of a conflict between the terms of this Agreement and any Account Agreements, the terms of this Agreement shall control as in regard to the provision of services outlined below. Any terms not defined in this Agreement shall have the meaning assigned to them in the Account Agreements. This Agreement is held for personal Accounts only, personal deposit Accounts are those Accounts that are used for personal, family, or household purposes. For information on other types of Accounts we offer, please visit our website, contact us at 000-000-0000, or visit one of our offices. Definitions Capitalized terms used in this Agreement are defined in parenthesis where they appear, as above with the definition of this Agreement. References to “Customer”, “you”, or “your” apply to you or anyone else with the authority to deposit, withdraw, or exercise control over the funds in the Account. The headings in this document are for convenience purposes only. Governing Law, Venue This Agreement and your and our rights and obligations under this Agreement are governed by and interpreted according to federal laws and the laws of the State of Rhode Island (except to the extent that this Agreement can and does vary from such rules or laws) and without regard to choice of law principles. This Agreement, as well as the parties’ rights and obligations, shall be interpreted, enforced, and governed by and under the laws of the United States and the State of Rhode Island. Any lawsuit between the Bank and you, arising under this Agreement or otherwise, shall be brought only in a court located within the state of Rhode Island. EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY. Binding Contract This Deposit Agreement and Disclosures, along with any other documents we give you pertaining to your Account(s), is a binding contract that establishes rules that govern your deposit Account and relationship with us. If you sign the Account application, or open, or continue to have your Account with us, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings these rules. You will receive a separate Account DisclosureDisclosure and Service Fee Schedule, Electronic Funds Transfer Disclosurewhich discloses the interest rate, annual percentage yield, qualifying balances, fees, and Rate other important information applicable to your Account. You understand that the terms and Fee Schedules as amended conditions set forth in this Agreement may be changed or supplemented by us from time to time and that your continued use of the Account constitutes your acceptance of these changes. This Agreement provides a summary of certain laws and regulations that apply to conform to our rulescommon transactions, regulations, bylawsprovides some disclosures for deposit Accounts that are required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover, or that it allows us to change in this Agreement. By opening an Account with us, you acknowledge that our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship established by it does not create a fiduciary relationship between us. We owe you a duty of ordinary care. Any of our internal policies now in effect are solely for our purposes and as amended or adopted hereafterdo not impose a higher standard of care on us than would otherwise apply by law without such policies and procedures. In case of any conflict between the terms Business Day For purposes of this Agreement and Disclosures the Truth-In-Savings Account Disclosuresterm “business day” refers to every day, Electronic Funds Transfer Disclosureexcept Saturdays, Sundays, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documentsfederal holidays. Changes to This Agreement We may change make changes to this Agreement at any timetime without providing advanced notice to you. We may add new terms, delete or amend existing remove terms, add new Accountsservices, and or discontinue existing Accounts or services. When Ordinarily we change this Agreementwill send you advanced notice of any adverse changes, but we may make these changes without advanced notice if notice is not required by law. Please see the then-current version Notices section of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. However, more information about how we may make changes without prior notice unless otherwise required by lawprovide notice. We may, but do are not have required to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required When we make changes to send you notice the Agreement, the then-current version of dividend rate this Agreement supersedes any existing versions of this Agreement and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide noticegoverns your Account. If you continue to use your Account or keep it openremains open after a change, you are deemed to accept and agree to have accepted the change and are bound by the changeit. If you do not agree with a to the change, you may close your Account as provided for in the this Agreement. You agree that we may add toIn the event of a conflict between the information contained in this Agreement or the Account Agreements, changeand a statement made by one of our employees, or delete the terms of this Agreement or the applicable Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You Agreement will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:prevail.

with us. All subsequent Accounts opened by Please read this Agreement carefully so you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. understand your rights and obligations for your deposit Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us and retain a copy for your records. If you have any questions about this Agreement or your Accounts, please contact our Customer Call Center at 000-000-0000 or visit our website, www. xxxxxxxxxxxxx.xxx. This Agreement is made between you (collectively, the "Application")“Customer”, including without limitation“you”, or “your”) and Brookline Bank (collectively, “Bank”, “we”, “our”, “us”) and governs our relationship. This Agreement replaces and supersedes any Savings Account, Checking Account, Money Market Account, Business or Organization Account, prior Personal Deposit Account Agreement and Certificate AccountDisclosures you may have had with us. By opening and maintaining a personal deposit Account with us, or using any such Accountby continuing to maintain or use an existing personal deposit Account with us, you agree to be bound by the terms and conditions of this Agreement. Scope of this Agreement whether This Agreement is supplemented by the terms of other agreements you are acting in your individual capacity, in a fiduciary capacitymay have entered into with us, or will enter into with us in the future based on the services you request that we provide to you, including, but not limited to the eStatements Agreement, External Transfers Agreement, Funds Availability Policy, Online Banking Agreement, Privacy Notice, and, as applicable, related fee schedules and disclosures that govern the terms, conditions, and fees of your capacity personal deposit Account(s) with us, each as may be amended from time to time (such Account agreements, fee schedules and related disclosures being referred to as an officer, agent, or representative “Account Agreement” and collectively as the “Account Agreements”). The terms and conditions of any business entity or organization. If your Account Agreements are incorporated by reference and made a part of this Agreement. In the event of a conflict between the terms of this Agreement and any Account Agreements, the terms of this Agreement shall control as in regard to the provision of services outlined below. Any terms not defined in this Agreement shall have the meaning assigned to them in the Account Agreements. This Agreement is held for personal Accounts only, personal deposit Accounts are those Accounts that are used for personal, family, or household purposes. For information on other types of Accounts we offer, you also acknowledge receipt please visit our website, contact us at 000- 000-0000, or visit one of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now offices. Definitions Capitalized terms used in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and are defined in parenthesis where they appear, as above with the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into definition of this Agreement. This Agreement is incorporated into and made a part of any Application References to “Customer”, “you”, or “your” apply to you execute or receive in connection anyone else with the opening or use of any Account. You authorize us authority to verify and retain this information. You also understand that when you agree to accept all documents electronicallydeposit, you confirm that you have the ability to receive documents via the email address you providewithdraw, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change this Agreement, exercise control over the then-current version of this Agreement supersedes all prior versions and governs your funds in the Account. The most current versions headings in this document are for convenience purposes only. Governing Law, Venue This Agreement and your and our rights and obligations under this Agreement are governed by and interpreted according to federal laws and the laws of the agreements Commonwealth of Massachusetts (except to the extent that this Agreement can and disclosures are available on our website at xxxxxxxxxxxxxxx.xxxdoes vary from such rules or laws). This Agreement, for easy reference in as well as the future. In case of any conflict between any version parties’ rights and obligations, shall be interpreted, enforced, and governed by and under the laws of the agreements and disclosures United States and the versions appearing on our websiteCommonwealth of Massachusetts. Any lawsuit between the Bank and you, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. Howeverarising under this Agreement or otherwise, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:brought in a court located within the Commonwealth of Massachusetts.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx SFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes The USA PATRIOT Act requires financial institutions to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or servicesidentify potential members before opening an account. When you open an account with SFCU we change this Agreement, require the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions legal name of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxxindividual and/or entity, for easy reference in the futurephysical address, date of birth, Social Security Number, Individual Taxpayer identification Number or Employer Identification Number. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website Additional information may be required that will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change allow us to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to properly identify you. We will not establish accounts if the required information and documentation is not provided. The following are not required to send you notice the only forms of dividend rate and APY changes for variable rate Accounts identification accepted by SFCU. • US driver’s license or notice of changes in printing fees for documents US state-issued ID card (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound issued by the changeDepartment of Motor Vehicles) • Passport with photo and in English • Passport Card • Uniformed Services ID card • Resident Alien or Permanent Resident Card (a“Green Card”) • United States Employment AuthorizationCard • Concealed Handgun License – Same as License to Carry (Mississippi) We require all members and non-members transacting business with SFCU in any capacity to be identified with the forms of identification accepted by SFCU. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, We require said Parties to provide information and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time documentation to time in our sole discretion, subject to applicable law. You support their request which will be given advance notification of any change in terms reviewed and must be deemed compliant with our Identification Policy. SFCU maintains the right to any of these agreementsrefuse the transaction/request based on the information and/or documentation provided. Additionally, schedulesif a person or entity refuses to adhere to our Identification Policy, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To we will deny the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Truth in Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate Disclosure and Fee Schedules Schedule as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Truth in Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate Disclosures and Fee SchedulesSchedule, the Disclosures and Rate Disclosure and Fee Schedules Schedule will control. The Truth-In-Truth in Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate Disclosure and Fee Schedules Schedule are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also authorize us to use your credit report to consider whether to offer other products and services to you and you understand that when you agree and specifically intend this authorization to accept all documents electronically, you confirm that you have apply to the ability to receive documents via the email address you provide, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documentscurrent inquiries and future credit inquiries. You understand and agree it is that your obligation authorization will remain in effect until you provide written notice of your revocation to update us when your email address changes or if, for us. ACCEPTABLE IDENTIFICATION We require all members and non-members transacting business with RBFCU in any reason, you are unable capacity to receive or access documents. Changes to This Agreement We may change this Agreement at any timebe identified with the forms of identification accepted by RBFCU. We may add new termsrequire said Parties to provide information and documentation to support their request, delete which will be reviewed and must be deemed compliant with our Identification Policy. In certain circumstances, RBFCU reserves the right to require multiple forms of identification. RBFCU maintains the right to refuse the transaction/request based on the information and/or documentation provided. Additionally, if a person or amend existing termsentity refuses to adhere to our Identification Policy, add new we will deny the transaction and/or request. • US driver’s license • US state-issued ID card (issued by the Department of Motor Vehicles) • Passport with photo and in English • Passport Card • Uniformed Services ID card • Common Access Card (CAC) TRUTH IN SAVINGS DISCLOSURE • Matricula Consular • Resident Alien or Permanent Resident Card (a “Green Card”) • United States Employment Authorization Card • Concealed Handgun License – Same as License to Carry (Texas) Truth in Savings Disclosure that apply to each of your Accounts, and discontinue existing Accounts or services. When we change this Agreement, including the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes the annual percentage yield on your Accounts, are set out on the Truth in printing fees for documents (such as checks). See the Notices, Statements, Savings Account Disclosure and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your Account as provided in the Fee Schedule that accompany this Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:ACCOUNT OWNERSHIP

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx RBFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW PERSONAL ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to This Agreement We may change obtain, verify, and record information that identifies each person who opens an account. What this Agreement at any timemeans for you: When you open an account, we will ask for your legal name, physical address, date of birth, Social Security Number or Individual Taxpayer Identification Number and other information that will allow us to identify you. We may add new terms, delete also ask to see your driver’s license or amend existing terms, add new Accounts, other identifying documents.  US driver’s license  US state-issued ID card (issued by the Department of Motor Vehicles)  Passport with photo and discontinue existing Accounts in English  Passport Card  Uniformed Services ID card  Common Access Card (CAC)  Matricula Consular  Resident Alien or services. When we change this Agreement, Permanent Resident Card (a “Green Card”)  United States Employment Authorization Card  Concealed Handgun License – Same as License to Carry (Texas) We require all members and non-members transacting business with RBFCU in any capacity to be identified with the then-current version forms of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will controlidentification accepted by RBFCU. We may convert existing Accounts require said Parties to provide information and services into new Accounts documentation to support their request which will be reviewed and servicesmust be deemed compliant with our Identification Policy. We ordinarily send you advance notice of an adverse change RBFCU maintains the right to refuse the Agreementtransaction/request based on the information and/or documentation provided. HoweverAdditionally, if a person or entity refuses to adhere to our Identification Policy, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See will deny the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx RBFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes ACCEPTABLE IDENTIFICATION We require all members and non-members transacting business with RBFCU in any capacity to This Agreement be identified with the forms of identification accepted by RBFCU. We may change require said Parties to provide information and documentation to support their request, which will be reviewed and must be deemed compliant with our Identification Policy. In certain circumstances, RBFCU reserves the right to require multiple forms of identification. RBFCU maintains the right to refuse the transaction/request based on the information and/or documentation provided. Additionally, if a person or entity refuses to adhere to our Identification Policy, we will deny the transaction and/or request. • US driver’s license • US state-issued ID card (issued by the Department of Motor Vehicles) • Passport with photo and in English • Passport Card • Uniformed Services ID card • Common Access Card (CAC) • Matricula Consular • Resident Alien or Permanent Resident Card (a “Green Card”) • United States Employment Authorization Card • Concealed Handgun License – Same as License to Carry (Texas) USA PATRIOT Act Notice IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person (business and individuals) who opens any financial transaction account(s) including deposits, loans and safe deposit boxes. What this Agreement at means for you: When you open any timefinancial transaction account, we will ask for your legal name, address (mailing and physical if different), date of birth, Social Security Number or Individual Taxpayer Identification Number and other information that will allow us to identify you. We may add new terms, delete also ask to see your current driver’s license or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the futureother valid identifying documents. In case all cases, protection of any conflict between any version of the agreements our member’s identity and disclosures and the versions appearing on confidentiality is our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse pledge to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:.

with us. All subsequent Accounts opened by Please read this Agreement carefully so you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. understand your rights and obligations for your deposit Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us and retain a copy for your records. If you have any questions about this Agreement or your Accounts, please contact our Customer Call Center at 000-000-0000 or visit our website, www. xxxxxxxxxxxxx.xxx. This Agreement is made between you (collectively, the "Application")“Customer”, including without limitation“you”, or “your”) and Brookline Bank (collectively, “Bank”, “we”, “our”, “us”) and governs our relationship. This Agreement replaces and supersedes any Savings Account, Checking Account, Money Market Account, Business or Organization Account, prior Personal Deposit Account Agreement and Certificate AccountDisclosures you may have had with us. By opening and maintaining a personal deposit Account with us, or using any such Accountby continuing to maintain or use an existing personal deposit Account with us, you agree to be bound by the terms and conditions of this Agreement. Scope of this Agreement whether This Agreement is supplemented by the terms of other agreements you are acting in your individual capacity, in a fiduciary capacitymay have entered into with us, or will enter into with us in the future based on the services you request that we provide to you, including, but not limited to the eStatements Agreement, External Transfers Agreement, Funds Availability Policy, Online Banking Agreement, Privacy Notice, and, as applicable, related fee schedules and disclosures that govern the terms, conditions, and fees of your capacity personal deposit Account(s) with us, each as may be amended from time to time (such Account agreements, fee schedules and related disclosures being referred to as an officer, agent, or representative “Account Agreement” and collectively as the “Account Agreements”). The terms and conditions of any business entity or organization. If your Account Agreements are incorporated by reference and made a part of this Agreement. In the event of a conflict between the terms of this Agreement and any Account Agreements, the terms of this Agreement shall control as in regard to the provision of services outlined below. Any terms not defined in this Agreement shall have the meaning assigned to them in the Account Agreements. This Agreement is held for personal Accounts only, personal deposit Accounts are those Accounts that are used for personal, family, or household purposes. For information on other types of Accounts we offer, please visit our website, contact us at 000- 000-0000, or visit one of our offices. Definitions Capitalized terms used in this Agreement are defined in parenthesis where they appear, as above with the definition of this Agreement. References to “Customer”, “you”, or “your” apply to you or anyone else with the authority to deposit, withdraw, or exercise control over the funds in the Account. The headings in this document are for convenience purposes only. Governing Law, Venue This Agreement and your and our rights and obligations under this Agreement are governed by and interpreted according to federal laws and the laws of the Commonwealth of Massachusetts (except to the extent that this Agreement can and does vary from such rules or laws) and without regard to choice of law principles. This Agreement, as well as the parties’ rights and obligations, shall be interpreted, enforced, and governed by and under the laws of the United States and the Commonwealth of Massachusetts. Any lawsuit between the Bank and you, arising under this Agreement or otherwise, shall be brought in a court located within the Commonwealth of Massachusetts. EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY. Binding Contract This Deposit Agreement and Disclosures, along with any other documents we give you pertaining to your Account(s), is a binding contract that establishes rules that govern your deposit Account and relationship with us. If you sign the Account application, or open, or continue to have your Account with us, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings these rules. You will receive a separate Account DisclosureDisclosure and Service Fee Schedule, Electronic Funds Transfer Disclosurewhich discloses the interest rate, annual percentage yield, qualifying balances, fees, and Rate other important information applicable to your Account. You understand that the terms and Fee Schedules as amended conditions set forth in this Agreement may be changed or supplemented by us from time to time and that your continued use of the Account constitutes your acceptance of these changes. This Agreement provides a summary of certain laws and regulations that apply to conform to our rulescommon transactions, regulations, bylawsprovides some disclosures for deposit Accounts that are required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover, or that it allows us to change in this Agreement. By opening an Account with us, you acknowledge that our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship established by it does not create a fiduciary relationship between us. We owe you a duty of ordinary care. Any of our internal policies now in effect are solely for our purposes and as amended or adopted hereafterdo not impose a higher standard of care on us than would otherwise apply by law without such policies and procedures. In case of any conflict between the terms Business Day For purposes of this Agreement and Disclosures the Truth-In-Savings Account Disclosuresterm “business day” refers to every day, Electronic Funds Transfer Disclosureexcept Saturdays, Sundays, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documentsfederal holidays. Changes to This Agreement We may change make changes to this Agreement at any timetime without providing advanced notice to you. We may add new terms, delete or amend existing remove terms, add new Accountsservices, and or discontinue existing Accounts or services. When Ordinarily we change this Agreementwill send you advanced notice of any adverse changes, but we may make these changes without advanced notice if notice is not required by law. Please see the then-current version Notices section of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. However, more information about how we may make changes without prior notice unless otherwise required by lawprovide notice. We may, but do are not have required to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required When we make changes to send you notice the Agreement, the then-current version of dividend rate this Agreement supersedes any existing versions of this Agreement and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide noticegoverns your Account. If you continue to use your Account or keep it openremains open after a change, you are deemed to accept and agree to have accepted the change and are bound by the changeit. If you do not agree with a to the change, you may close your Account as provided for in the this Agreement. You agree that we may add toIn the event of a conflict between the information contained in this Agreement or the Account Agreements, changeand a statement made by one of our employees, or delete the terms of this Agreement or the applicable Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You Agreement will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:prevail.

with us. All subsequent Accounts opened This Agreement also refers to and includes other disclosures we may provide to you, which are incorporated by reference. “You” and “your” mean the person who applied for the Step Card and to whom we issue a Step Card pursuant to this agreement or, in case of a minor, the owner of the Step Card that is responsible for paying back all amounts owed to us under this Agreement. You are also responsible for any other person you and/or subsequent Accounts you may authorize to use and access your Step Card and Card Account (“Authorized User”). The terms “we”, “us”, “our”, “Bank” and “Evolve” mean Evolve Bank & Trust, our successors, affiliates, third-party delegates, or assignees. The Step Card, Card Account and Secured Account are added collectively referred to as an ownerthe “Step Account”. Access and use of your Step Account may be provided to you through a mobile application and/or website of our service provider, reflecting any existing Step Mobile, Inc. (“like ownership,Service Provider”). The Service Provider or its affiliates may offer you additional services through the Service Provider’s platform (the “Step App”), pursuant and subject to the terms and conditions between you and the Service Provider (the “Services” will be and such terms and conditions, the “Servicer Terms”), and such Services are not governed by this applicationAgreement and not offered by Bank. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO A MANDATORY ARBITRATION AGREEMENT PURSUANT TO THE FEDERAL ARBITRATION ACT AND WAIVER OF CLASS ACTION AND JURY PROVISION IMPORTANT INFORMATION ABOUT YOUR STEP ACCOUNT ● Your Step Card, Card Account ownership will be determined and Secured Account are provided by Evolve Bank & Trust, FDIC Member. Your Step Card is issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A, Inc. Visa is a registered trademark of Visa International Service Association and is used under license. ● Evolve has agreed to issue you at the time the a Step Card and extend you credit on your Card Account is opened and/, or owners are added as described in this Agreement and subject to the AccountSecured Account Agreement, Step Card Agreement and the Security Agreement (below). The Credit Union will assign account ownership based on Your activation and continued use of the Step Card or Card Account indicates your request, which acceptance of the terms of this Agreement. ● This Agreement may be accepted in-person, verbally over the phone, via secured message, supplemented or online chatamended as set forth in Section VI.D (Changes in Terms). You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. ● By opening or using any such a Card Account, you agree to and authorize us to open and establish a non-interest bearing restricted deposit account with us that will be bound by under our exclusive control (the “Secured Account”) and be subject to the terms and conditions of this the Security Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization(below). If your Your Secured Account is held established at your direction for personal, family, or household purposes, the placement of deposits you also acknowledge receipt of and agree have identified to be bound by our Truth-In-Savings used to serve as security or collateral (the “Secured Funds”) for the credit we extend to you on your Card Account Disclosure, Electronic Funds Transfer Disclosure, in the amounts and Rate and Fee Schedules as amended from time limits made available to time and you pursuant to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms and conditions of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into By signing up for and made opening a part of any Application you execute or receive in connection Card Account and opening a Secured Account with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reasonus, you are unable furnishing and granting us a security interest to receive or access documents. Changes the Secured Account to This Agreement We may change this secure the Obligations (as defined under the Step Card Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change “Your Promise to Pay” section (below) under this Agreement. Please see the Security Agreement (below) for more information. As described in detail below, the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send credit we extend to you advance notice of an adverse change to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound is secured by the changeSecured Funds held in your Secured Account. If you do not agree with a changepay us back for the Obligations incurred on your Step Card or Card Account when your payments are due, we may exercise our Security Interest and withdraw the amount you owe us from the Secured Funds held in your Secured Account. ● Within your Step Account, you may close set up a sub-account for yourself and for each of your Authorized Users (each, a “Sub-Account”) to manage their use of your Step Account. Each Sub- Account as provided will have a “Wallet” which represents a portion of the funds held in the AgreementSecured Account, which are designated by you for use to a particular Sub-Account. The Wallet associated with any Sub-Account you establish for yourself is the “Master Wallet”. Your Authorized User are issued a Step Card for use in association with your respective Sub-Accounts. ● The Step Account is designed to help you and each Authorized User save more than you spend. You agree that we and your Authorized User(s) may add to, change, or delete never spend more than the terms of amount you have in your Secured Account with your Step Card and Card Account. We refer to this limit as the Spending Limit. Your Card Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, is also subject to applicable lawa maximum Credit Limit. You See Sections I.A.6 and II.A.2 for more information. ● If you establish more than one Sub-Account, each Sub-Account will be given advance notification have a Spending Limit equal to the amount of any change funds in terms the Wallet corresponding to any of these agreementsthat Sub-Account, schedules, notices, minus the outstanding Step Card Balance associated with that Sub-Account. The Spending Limit for each Sub-Account may never exceed the Spending Limit or policies as prescribed by banking regulationCredit Limit on your Step Account. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:See Sections I.A.6 and

with us. All subsequent Accounts opened by Please read this Agreement carefully so you and/or subsequent Accounts understand your rights and obligations for your deposit Account with us and retain a copy for your records. If you are added to as an ownerhave any questions about this Agreement or your Accounts, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you please contact our Customer Call Center at the time the Account is opened and/000-000-0000, call one of our bank offices, or owners are added to the Accountvisit our website, xxx.XXXX.xxx. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for This Agreement is made between you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application")“Customer,” “you,” or “your”) and PCSB Bank (collectively, including without limitation, any Savings Account, Checking Account, Money Market Account, Business “Bank,” “we,” “our,” or Organization Account, “us”) and Certificate Accountgoverns our relationship. By opening or using any such Account, you agree to be bound Scope of This Agreement This Agreement is supplemented by the terms of this Agreement whether other agreements you are acting in your individual capacity, in a fiduciary capacitymay have entered into with us, or will enter into with us in your capacity the future based on the services you request that we provide to you, including, but not limited to the eStatements Agreement, Funds Availability Policy, Cash Management Terms and Conditions, Privacy Notice and, as an officerapplicable, agentrelated disclosures and list of Service Fees that govern the terms, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosureconditions, and Rate and Fee Schedules fees of your business deposit Account(s) with us, each as may be amended from time to time (such Account agreements, related disclosures and list of Service Fees being referred to conform to our rules, regulations, bylaws, as an “Account Agreement” and policies now in effect collectively as the “Account Agreements”). The terms and as amended or adopted hereafterconditions of your Account Agreements are incorporated by reference and made a part of this Agreement. In case the event of any a conflict between the terms of this Agreement and the Truth-In-Savings any Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee SchedulesAgreements, the Disclosures and Rate and Fee Schedules will controlterms of this Agreement shall control as in regard to the provision of services outlined below. The Truth-In-Savings Any terms not defined in this Agreement shall have the meaning assigned to them in the Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this AgreementAgreements. This Agreement is incorporated into for business Accounts only. For information on other types of Accounts we offer, please visit our website at xxx.XXXX.xxx, contact us at 000-000-0000, or visit one of our offices. This Agreement includes your promise to pay the charges listed on the list of Service Fees and made a part of any Application you execute or receive Account Fees listed in connection with the opening or use of any Account. You authorize Business Account Information disclosure and your permission for us to verify and retain this informationdeduct these charges, as earned, directly from your Account balance. You also understand that when you agree to accept all documents electronically, pay any additional reasonable charges we may impose for services you confirm that you have the ability to receive documents via the email address you provide, or you may log onto xxxxxx.xxxxxxxxxxxxxxx.xxx to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you request which are unable to receive or access documents. Changes to This Agreement We may change not contemplated by this Agreement at any time. We but are disclosed in our list of Service Fees, which may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at xxxxxxxxxxxxxxx.xxx, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, be amended from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:time.