Common use of Withdrawals Clause in Contracts

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open in the account or has authority to make withdrawals space designated for signatures on the signature card may withdraw or transfer all or any part of the available account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt attempt: on forms not approved by us, ; by any method we do not specifically permit, which is greater in number than the frequency permitted, ; or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account . We will use the date the transaction is completed by us (as a transaction account. If we reclassify your account, your account will be subject opposed to the fees and earnings rules of date you initiated it) to apply the new account classificationfrequency limitations. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed See Your Ability to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure Withdraw Funds section for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure Your Ability to Withdraw Funds section does not apply, you can ask us when you make a deposit in person when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. Refer to Truth in Savings for details. – A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same person and under the same conditions generally applicable to withdrawals made in writing. Other account transfer restrictions may be described elsewhere. – This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers. If you originate a fund transfer for which the Federal Reserve System is used, and you identify by name and You agree to be bound by Automated Clearing House Association rules. These rules provide, among other things, that payments made made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit, however, the order of payments or credits will be listed on your regular periodic statement. We can assess a Returned Item fee as disclosed in the Fee Schedule each time an ACH presentment is DIRECT DEPOSITS – If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. – You each agree that we may (without prior notice and when permitted by law) charge against and deduct from this account any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal, to the extent of such persons’ or legal entity’s right to withdraw. If the debt arises from a note, “any due and payable debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we charge the account, including any balance due for which we properly accelerate under the note. We may report information about your account to credit bureaus. Late payments, in your credit report. In addition to these contract rights, we may also have rights under a “statutory lien.” A “lien” on property is a creditor’s right to obtain ownership of the property in the event a debtor defaults on a debt. A “statutory lien” is one created by Federal or State statute. If Federal or State law provides us with a statutory lien, then we are authorized to apply, without prior notice, your shares and dividends to any debt you owe us, in accord with the statutory lien. account if: (a) the funds are deposited in a Xxxxxxxxx Education Savings Account,Individual Retirement Accountorothertax-deferredretirement account, or (b) the debt is created by a consumer credit transaction consensual security interest), or (c) the debtor’s right of withdrawal arises only in a representative capacity. We will not be liable for the dishonor of any check or draft when the dishonor occurs because we charge and deduct an amount you owe us from your account. You agree to hold us harmless from any claim arising as a result of our exercise of our right to repayment.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless Generally unless clearly indicated otherwise stated on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer transfers all or any part of the account balance at any time. Each of you (until we receive written notice We have no obligation to the contrary) authorizes each honor facsimile signatures on your checks or other person who signs or has authority orders. We may pay any check without regard to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicitits date. You agree that, as not to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check deposit checks or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalother items before they are properly payable. We may charge are not obligated to pay any check drawn on your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actwhich is presented more than six months past its date. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, us or by any method we do not specifically permit, . We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. Even if we honor a nonconforming request, we are not required to do so later. If you violate the stated transaction limitations (if any), in our discretion we may deny additional transactions, close your account or reclassify your account, your account will then be subject to the fees and earnings rules of the new account classifications. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In additionWe may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return. We only need to make one determination, but if we may place limitation on choose to make a subsequent determination, the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a balance at the subsequent time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltywill determine whether there are insufficient available funds.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account recordsGenerally, any of you, acting alone, who signs to open the account Account holder or has authority to make withdrawals Authorized Signer on an Account may withdraw or transfer all or any part of the account available balance in the Account at any time. Each Your available balance is the balance in your Account after deducting 1) deposits that are not yet available for withdrawal under our Funds Availability Disclosure, 2) pending transactions (such as debit card purchases) that the Bank has authorized but have not yet been paid from your Account, and 3) any holds on your Account. The available balance does not reflect all of your outstanding Checks, automatic bill payments (including ACH and recurring debit card transactions) or other transactions that you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make have authorized but have not yet been paid from your Account. Additional restrictions on withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries from Accounts are stated in the account title (Deposit Account Disclosures. Only one signature is required for withdrawals from any Account even if the signature card for the Account or elsewhere in account records) does not in itself require other documents state that more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item signature is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actrequired. We may refuse any withdrawal or transfer request which you attempt that is not on forms not approved required by usthe Bank, is by any a method we do not specifically permit, which is greater in number than exceeds the frequency permittedlimitations, or which is for an amount greater or less than any withdrawal limitations. Even We may close your Account for transactions that do not follow these requirements, even if we honor a nonconforming request, we are not required to do so laterpermit some of these transactions. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to us, not the date you initiate it) , to apply determine the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verifiedof transactions. We may require not less than 7 days’ advance notice in writing before each withdrawal of large cash withdrawals and may require that you provide adequate security when you accept the cash. Under Federal regulations, we may also require seven days prior written notice for withdrawals from an interest-bearing account Account other than a time deposit, or from any other savings account as defined by Regulation D. demand deposit Account. Withdrawals from a time account certificate of deposit prior to maturity or prior to any notice period may be restricted and may be subject to penaltya penalty as provided in the Deposit Account Disclosures or the pre-maturity notice you received prior to renewal of your CD. Posting Order and Payment of Items from Your Account We generally process Items drawn on your Account on the Business Day they are received by us, in the following order: First, we will process wire transfers, debit card transactions, ATM withdrawals, cash withdrawals made at one of our branches and checks drawn on your Account that are cashed at one of our branches; and Second, we will post checks not included above, ACH transactions and CIBC NetBanking bill payment transactions. Within each of these categories, Items without serial numbers will be paid in the order that we receive them. Checks with check numbers will be paid in check number order, from the lowest number to the highest number. The order in which Items are paid is important because it may result in Overdraft Fees or Non-Sufficient Funds (NSF) Fees if you do not have sufficient funds available in your Account to pay the Items.

Withdrawals. Our banking offices are non-cash facilities You may withdraw money from a Custodial Account by initiating a withdrawal request through the Platform at any time. You acknowledge and agree that, notwithstanding anything to the contrary in any agreement governing your participation in the Program, including this Advisory Agreement, you will not be allowed able to withdraw currency at our office locationsrequest withdrawals, or sales, unless and until you connect a bank account to your EarlyBird Account. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals You agree and acknowledge that there may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require be no more than one of you other bank account connected to authorize a withdrawal. Such a restriction must be explicityour EarlyBird Account for withdrawal purposes unless otherwise permitted by EarlyBird. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where by requesting a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulationwithdrawal, you waive any requirement of multiple signatures for withdrawalauthorize EarlyBird to place an order with the Broker and/or Custodian on your behalf to sell the securities in your EarlyBird Account at the time(s) and in amounts calculated by EarlyBird’s portfolio management system. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse You agree and acknowledge that any withdrawal or transfer from your EarlyBird Account, and/or sales of securities, may not be cancelled following the initiation, authorization, and/or direction of such transaction. EarlyBird will undertake good faith efforts to generate and place the orders for such sales on the Business Day you request which a withdrawal, but you attempt on forms not approved by usacknowledge and agree that such orders may be placed at any time within five Business Days after your request. Any withdrawal request you initiate will be sent to the ACH Operator. You agree that, by any method we do not specifically permitrequesting a withdrawal, which is greater you authorize the ACH Operator to request that the Custodian transfer the proceeds of the applicable sales in number than the frequency permitted, or which is for an amount greater you request (or less than if the money remaining in your EarlyBird Account after deducting any EarlyBird Fee (as defined below) or other fee due is less) to your bank account. You acknowledge and agree that the Custodian will not initiate a transfer of money for a withdrawal until the Business Day after the last applicable sale for such withdrawal has settled and that it may take up to seven to ten Business Days after the Custodian initiates a transfer of money for the proceeds of a withdrawal to arrive at the destination account. You further acknowledge and agree that EarlyBird and the Custodian may require additional information from you before effecting any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor such requested withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltydelay or cancellation in the event that you do not timely provide such additional information. EarlyBird and the Custodian reserve the right to permit cash withdrawals to other sources as they may mutually agree and to the extent permitted by applicable law. Any such cash withdrawal methods may be subject to additional terms and conditions, which will be disclosed to you. Ancillary fees associated with cash withdrawals to sources other than ACH transfer from the Custodian are listed in Attachment A, which fees shall be charged to the Client and shall be in addition to the EarlyBird Fee. You acknowledge that if you are permitted to withdraw, and do withdraw, an amount below the value at which such ancillary fee converts to a variable pricing model, the ancillary fee is charged as a fixed fee that does not vary based on the amount of your withdrawal, and accordingly, the overall withdrawal fee paid may be disproportionately high relative to the amount of your withdrawal. In such case, you further represent and warrant, and have determined, that the ancillary fee is reasonable irrespective of your withdrawal amount.

Withdrawals. Our banking offices Subject to these Terms, you may withdraw Credit from the App wallet on your account at any time. Credit will remain in your App wallet unless and until you submit a request to withdraw a minimum of £10 (this minimum may be varied by GPT from time to time) and a maximum of the outstanding Credit balance in your App wallet. Withdrawals will be transferred to the debit card or online payment service with which you originally acquired the Credit. To withdraw funds from your account, visit the "withdraw" option within the App. We reserve the right to suspend the withdrawal of any Credit (including Credit representing your winnings) to your debit card or online payment service on the occurrence of an event outside our control (see the section Events Outside our Control below). We will transfer your Credit (including Credit representing your winnings) as soon as reasonably practicable after the relevant event outside our control has ceased. You are responsible for reporting your winnings and losses if such reporting is required by applicable law or the relevant tax authorities. It is your responsibility to pay any tax or levy due on any winnings paid to you by us. As part of our regulatory requirements and in order to combat money laundering, card theft and fraud, you can only withdraw funds using the payment method with which Credit was originally purchased. When you are ready to withdraw funds you will see an amount of Credit in your App wallet, which will reflect the transactions carried out . Once you have submitted a withdrawal request, you will receive a confirmation message that the transfer has been actioned and the balance of your account will then clear to zero or the balance of the amount not withdrawn. If you reduce the balance of your account to zero, you will need to acquire a minimum of £10 of Credit (or such other amounts as may be applicable at that time) in order to continue using the Services. If funds are withdrawn, they will leave us at the close of business on the working day on which such withdrawal was requested and will be credited to the debit card or online payment service that you have registered in accordance with these Terms. These funds will be subject to a clearance period determined by the card issuing bank (normally 2 – 5 working days). At our reasonable discretion, requests for withdrawals may be held for approval before being processed. We reserve the right to impose or change the minimum and maximum withdrawal levels. We do not currently charge a service fee for withdrawals to online payment services, however we reserve the right to charge a service fee for withdrawals. We do not allow any transfer of funds between our customers' accounts. Closing your account You have the right to close your account at any time. In order to do so you will need to first transfer all of the Credit in your App wallet In accordance with these Terms and, subsequently, you should make a request to close your account using the "Close Account" section within the App. You remain responsible for activities using your account until it is closed. Upon our confirmation of the closure of your account, we will notify you and provided that you have complied with these Terms. Prior to the transfer of the Credit in your App wallet, we may at any time set off any Credit on your account against any amount owed by you to us (including under a duplicate account). We reserve the right, at our reasonable discretion, to close or suspend your account and/or void any plays and/or withhold your account balance and/or recover from your account the amount of any affected winnings or bonuses and/or implement a permanent ban from our Services for the following reasons: • we, acting in good faith, have reason to believe that you are in breach of a material provision of these Terms; • we become aware that you have used or attempted to use the Services for the purposes of fraud, collusion or unlawful or improper activity; • we become aware that, in connection with your play on any alternative gaming or gambling service, you are suspected of fraud, collusion (including in relation to charge-backs), cheating or unlawful or improper activity; • you fail to provide us with accurate information in relation to your account; • we, acting in good faith, have reason to believe that you have opened or are using multiple accounts or a duplicate account; • you misuse our App; • we are required to do so by any regulatory authority or court; • we discover that you are accessing the Services in contravention of the laws of the country where you are located; or • you become bankrupt, if you do not make payment of a court judgment on time, if you make an arrangement with your creditors, or if any of your assets are the subject of any form of seizure or if analogous proceedings are brought in relation to you anywhere in the world. In certain circumstances, we may be prohibited from notifying you that your account has been suspended or closed. In such circumstances, we will endeavour to inform you as soon as we are able. If an account is suspended, we may, at our discretion, lift the suspension provided we are satisfied that the circumstances giving rise to the suspension no longer exist. If we terminate your rights to use the App and Services: • You must stop all activities authorised by these Terms, including your use of the App and any of the Services. • You must delete or remove the App from all devices in your possession. • We may block you from reinstalling or re-registering the App from and cease providing you with access to the Services. You agree to compensate us for any costs, charges or losses sustained or incurred by us (including any direct, indirect or consequential losses, any loss of profit and any loss of reputation) arising if we close your account in accordance with the conditions set out in this section. Chargebacks GPT is not responsible for the Gaming Services and Non-Gaming Services that you purchase using the App. Any dispute with a Third-Party Provider regarding any product or service purchased by you using the App is between you and the Third-Party Provider. We do not provide any warranties, representations, conditions or guarantees with respect to such services. Payments for Credit using a debit card may include a right for you to claim funds back from your bank through their chargeback scheme (a "Chargeback"). By agreeing to these Terms, you agree that you will not exercise a Chargeback other than for unauthorised use of your debit card or for a breach by us of these Terms which results in you having a right to a refund. In all other circumstances, you may not exercise a Chargeback, including (but not limited to) as a result of a dispute of Third Party Providers for non-cash facilities delivery of services or an insufficient balance in your App wallet. You agree to indemnify us for any losses, costs, fees or expenses we incur in connection with a Chargeback that is not permitted under these Terms and any action undertaken to challenge the same. We may also charge you a Chargeback fee of £35 if you exercise a Chargeback in breach of these Terms. Without limiting our rights or remedies, if you do exercise a Chargeback or otherwise cancel, reverse or de- authorise a payment in circumstances not permitted by these Terms, you are responsible for refunding the payment to us. We may, at our discretion, recover the amount by reducing the balance in your App wallet or charging your debit card in respect of such amount (or otherwise collecting such amount from you). Unauthorised use of your debit card shall NOT include use arising from: • your failure to keep your account ID information safe; • your failure to notify us without undue delay of any loss of your password or other event that could reasonably be expected to have compromised the security of your account; • if the transaction was unauthorised but you have acted fraudulently or compromised the security of your account with intent or gross negligence; and • if you fail to dispute and bring the unauthorised or incorrectly executed transaction to our attention within 13 months from the date of the transaction. Dormant accounts If an account remains dormant (i.e. there is no activity on your account) for more than 5 months, you shall receive an alert confirming that if the account remains dormant for a further month, the account shall be closed and any outstanding Credit returned to the debit card with which you originally acquired the Credit in accordance with these Terms. If we are unable, for any reason, to return any outstanding Credit to your debit card, we shall use reasonable endeavours to contact you in order to advise you of such outstanding Credit and we shall charge you a reasonable administration fee for doing so. If, following a period of 6 months from our closure of your account, we are still unable to return any outstanding Credit to you, we shall be permitted to deal with such outstanding Credit as we shall choose in our sole discretion. Responsible Gaming Policy We are committed to responsible gaming and have a number of self-help tools to help you manage your gaming. Within the App we make available the option for you to set a limit on the amount of Credit that you can purchase. Information on setting limits may be found within the "Safer Gambling" section within the App. We also make available the ability for you to stop gaming at any time and there is an option within the App to set a break from play from 1 (one) week up to 6 (six) months. Information on breaks from play may be found within the "Take a break" section within the App. We will use all reasonable endeavours to ensure compliance with a break from play. We implement reasonable checks and safeguards to ensure that during the course of your break from play period you are not sent marketing material about gaming from us and you cannot access the App or any aspect of the Services. We cannot be held liable to you or any third party if you are able to continue to use the App, or if any marketing material is sent to you. You accept that we have no responsibility or liability whatsoever (including in respect of any losses you may incur) if you continue to xxxxxx using the App, in particular where you have sought to circumvent a break from play via additional accounts; or where you have changed any of the registration details (which would also include if you open up an account with substantially the same information, albeit submitted on the registration form in a different way). The National Association for Gambling Care Educational Resources and Training (GAMCARE) (xxx.xxxxxxx.xxx.xx) provides information, advice and counselling to individuals, their family and friends who have concerns about problem gambling. The free Helpline number for GAMCARE (available 8am – midnight, 7 days a week) is 0808 8020 133. If You have any concerns about your gambling You can also find information and support at xxx.xxxxxxxxxxxxx.xxx. The following agencies also provide information regarding problem gambling at the following links: • GambleAware – xxxxx://xxxxx.xxxxxxxxxxx.xxx • Gambling Therapy – xxxxx://xxx.xxxxxxxxxxxxxxx.xxx • Gamblers Anonymous – xxxxx://xxx.xxxxxxxxxxxxxxxxx.xxx.xx • Xxxxxx Xxxxx Association – xxxxx://xxx.xxxxxxxxxxx.xxx.xx In agreeing to the Terms you also confirm the following: • That you do not currently have, nor have you previously suffered from, a gambling addiction; • That you are not currently self-excluded from gambling or using gaming machines whether physically or digitally via the use of gambling websites or apps; • That you shall not deposit to your App wallet any funds which you cannot afford to be used on the Services; and • If any of the above cease to be true you shall immediately stop using the Services. If, as a result of your pattern of play we suspect or have cause for concern that the above have ceased to be true we may contact you and or request that you provide the necessary information to confirm that the above are still true. Please note that if you do not confirm the above and accept these Terms you will not be allowed able to withdraw currency at use the App. Health Data Consent Policy GPT collects data regarding your gaming history through the App. This includes information relating to your previous gaming patterns and any requests to take a break. Please note that information relating to your gaming history may reveal the state of your health and can therefore consist of health data which is sensitive personal data. We use the health data we obtain through the Services (mentioned above) to: • be satisfied that the Services we provide to you are being used responsibly; • improve and customise the restrictions of the Service available within the App, such as introducing a take a break period that may be tailored to our office locationsusers; • operate and evaluate and improve our Services (including developing, enhancing and improving our App); and • comply with any applicable legal requirements and industry standards, along with our policies. Unless clearly indicated otherwise on We may share your data with third-party service providers that are located outside the account recordsEEA including countries that may not have the same levels of data protection as the home country of our users. In agreeing to these Terms you consent to GPT collecting the data set out above. Please note that if you decline to allow GPT to collect or share health data you will not be able to use the App. Events outside our control We are not responsible for any events beyond our reasonable control. Such events might include network failures, malfunctions to our systems or third party systems, war, terrorist activity, riots, malicious damage, fire, flood, storm, nuclear accident or compliance with any of younew law or governmental order, acting alonerule, who signs to open regulation or direction. We may also suspend or cancel the account or has authority to make withdrawals may withdraw or transfer all Services or any part of the account balance at any time. Each of you (until we receive written notice Services if, despite making reasonable efforts to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming requestso, we are not required able to do so later. We may treat continued abuse provide that part of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account Services to you as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules result of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which events beyond our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltyreasonable control.

Withdrawals. Our banking offices You may withdraw funds from your Account in person at one of our branches, or by check, pre-authorized transfer, by use of an automated teller machine (“ATM”) or point-of-sale (“POS”) terminal, telephone transfer or other electronic means, to the extent that these services are non-cash facilities available for your Account. ATM and you will not be allowed POS transactions are subject to withdraw currency at our office locationsthe terms under “ELECTRONIC FUND TRANSFERS – YOUR RIGHTS AND RESPONSIBILITIES” in addition to other applicable terms and conditions. Online transactions are also subject to the terms of applicable online services agreements. Unless clearly indicated otherwise on the account Account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals a signature card may withdraw or transfer all or any part of the account balance at any timeAccount balance. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing the signature card to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account the Account or any other transaction with us. Using The signature on all checks and withdrawals must be as it appears on the word “and” signature card for your Account on file with the Credit Union. If we accept your power of attorney, your check or withdrawal may be signed by the person with authority to connect the names of co-owners sign for you. If you voluntarily disclose your account number to another person orally, electronically, in writing, or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of by any other means, you are deemed to authorize a withdrawaleach item, including electronic debits, which result from your disclosure. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We The Credit Union may pay these items and charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actaccount. We may refuse and are not liable for any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so laterAccount. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The Credit Union may refuse any withdrawal request against uncollected or non-sufficient funds. The fact that we may honor withdrawal requests that overdraw the available Account balance does not obligate us to do so later. See the funds availability policy disclosure “FUNDS AVAILABILITY” for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you You can also ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.

Withdrawals. Our banking offices are non-cash facilities and You can make withdrawals from your Account in various methods made available to you in conjunction with your Account. For your own protection, withdrawals from your Account will not be allowed to withdraw currency at our office locationsif we are not satisfied that the withdrawal is authorized. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer If all or any part of an item is uncollected funds or otherwise unavailable for withdrawal, your use of those funds is subject to our right not to permit a withdrawal until the account balance at any timefunds are collected. Each of you (until we receive written notice Federal regulations give us the right to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined give notice in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require writing not less than 7 days’ notice days before you intend to withdraw all or a part of your Account. Longer notification periods may be enforced under certain circumstances. Withdrawals made from your Account using a check or your debit card will be reported to the IRS as normal distributions and should be made only for qualified medical expenses under the applicable federal law. To ensure accurate reporting to the IRS, a withdrawal form should be submitted to HSA Bank for any non-qualifying or non-medical transaction. When you submit a withdrawal form to us, we will send you a check that you may use for such a transaction. A fee will be charged for the withdrawal form as provided in writing before each withdrawal your Health Savings Account Fee and Interest Schedule. For withdrawals from an interest-bearing account your Account using a debit card, benefits card, or other device issued by a party other than HSA Bank, you should refer to your agreement for that card or device for additional rules of the issuer governing your withdrawals. Checks. You can order a supply of checks and made check withdrawals if your Account allows for the ability to do so. The cost of the checks is listed in your Health Savings Account Fee and Interest Schedule. International transactions may have higher fees. Payment of Checks. We may pay items drawn on your Account and presented on the same business day in any order determined by us, even if paying a particular item results in an insufficient balance in your Account to pay one or more other items that otherwise could have been paid. We may change the order of payment at any time depositwithout notice to you. Preauthorized or Automatic Transfers. According to federal regulations, your Account is limited to no more than 6 preauthorized or automatic transfers from your Account during any monthly period. No more than 6 of those transfers may be made payable to third parties, such as point-of- sale (“POS”) transactions, checks, or from drafts. If you make more transfers during any other savings account as defined by Regulation D. Withdrawals from a time account prior month than you are allowed to maturity or prior to any notice period make, you may be restricted charged a fee and your privilege to make preauthorized or automatic transfers may be subject suspended or terminated, or your Account may be closed. If a fee is to penaltybe charged, it will be listed in your Health Savings Account Fee and Interest Schedule. You are not limited in the number of transfers you make through an ATM.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account recordsGenerally, any of you, acting alone, who signs to open the account Account holder or has authority to make withdrawals Authorized Signer on an Account may withdraw or transfer all or any part of the account available balance in the Account at any time. Each Your available balance is the balance in your Account after deducting 1) deposits that are not yet available for withdrawal under our Funds Availability Disclosure, 2) pending transactions (such as debit card purchases) that the Bank has authorized but have not yet been paid from your Account, and 3) any holds on your Account. The available balance does not reflect all of your outstanding Checks, automatic bill payments (including ACH and recurring debit card transactions) or other transactions that you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make have authorized but have not yet been paid from your Account. Additional restrictions on withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries from Accounts are stated in the account title (Deposit Account Disclosures. Only one signature is required for withdrawals from any Account even if the signature card for the Account or elsewhere in account records) does not in itself require other documents state that more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item signature is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actrequired. We may refuse any withdrawal or transfer request which you attempt that is not on forms not approved required by usthe Bank, is by any a method we do not specifically permit, which is greater in number than exceeds the frequency permittedlimitations, or which is for an amount greater or less than any withdrawal limitations. Even We may close your Account for transactions that do not follow these requirements, even if we honor a nonconforming request, we are not required to do so laterpermit some of these transactions. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to us, not the date you initiate it) , to apply determine the frequency limitationsof transactions. We may pay any Item drawn against your Account that would be a substitute check if it did not contain an error or defect. See the funds availability policy disclosure our Funds Availability Disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until into your identity is verifiedAccount. We may require not less than 7 days’ advance notice in writing before each withdrawal of large cash withdrawals and may require that you provide adequate security when you accept the cash. Under Federal regulations, we may also require seven days prior written notice for withdrawals from an interest-bearing account Account other than a time deposit, or from any other savings account as defined by Regulation D. demand deposit Account. Withdrawals from a time account certificate of deposit prior to maturity or prior to any notice period may be restricted and may be subject to penaltya penalty as provided in the Deposit Account Disclosures or the pre-maturity notice you received prior to renewal of your CD. Posting Order and Payment of Items from Your Account We generally process Items drawn on your Account on the Business Day they are received by us, in the following order: First, we will process wire transfers, debit card transactions, ATM withdrawals, cash withdrawals made at one of our branches and checks drawn on your Account that are cashed at one of our branches; and Second, we will post checks not included above, ACH transactions and CIBC NetBanking bill payment transactions. Within each of these categories, Items without serial numbers will be paid in the order that we receive them. Checks with check numbers will be paid in check number order, from the lowest number to the highest number. The order in which Items are paid is important because it may result in Overdraft Fees or Non-Sufficient Funds (NSF) Fees if you do not have sufficient funds available in your Account to pay the Items.

Withdrawals. Our banking offices are non-cash facilities Without prejudice and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice subject to the contrary) authorizes each other person who signs or has authority terms of this Agreement, all Applicable Regulations and all conditions attaching to make withdrawals to indorse any item payable relevant payments made to you under a bonus or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved rebate scheme operated by us, money may be withdrawn by you from your Account provided that such money are not being utilized for margin purposes or have otherwise become owing to us, once your withdrawal request is approved your withdrawal request will be processed by us and sent to the same bank, credit card or other source for execution as soon as possible. (Note: Some banks and credit card companies may take time to process payments especially in currencies where a correspondent bank is involved in the transaction). The funds will be returned to the bank account/credit card/other source from which the funds were debited. If you have a Joint Account, payments from your Joint Account will require a withdrawal request form which must be completed by all required Account holders and which must be submitted to us. If you request a withdrawal of money from your Account and we cannot comply with it without closing some part of your open positions, we will not comply with the request until you have closed sufficient positions to allow you to make the withdrawal. In order to process your withdrawal request please ensure that the funds remaining on your account following your withdrawal is at least twice of your used margin. If you have not met the necessary bonus trading requirements at the time you make a withdrawal request the bonus will be debited from your trading account. Withdrawals will only be made on request by you, by bank transfer to an account in your name or such other method as we, in our absolute discretion, may determine. Stock Related Pay-outs on CFDs Payments on Stock Splits, Reverse Stock Splits, Stock Dividends and other Stock related events can have an impact on the share price and thus on the price of an equity based CFD. A person who holds a CFD position has no ownership of the underlying instrument. However, when a customer holds a long CFD position, The Company shall pay the equivalent of the dividend to that customer and deduct the equivalent from any method customer holding a short CFD position. This shall be done on or shortly after the ex- dividend date as that is when the economic effect is felt on the underlying share price. Trading Account Archiving If we do not specifically permitrecord any activity in your Trading Account during a continuous period of three (3) months and you have a zero account balance, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at Trading Account and all its history will be archived on our option reclassify your account as a transaction accounttrade server. If we reclassify you wish to keep using your accountTrading Account or restore it in the future, your account will be subject to please contact us at xxxxxxx@xxxxxxxxxxx.xxx electronically via email. Inactive and Dormant Account The Customer acknowledges and confirms that any trading account(s), held with the fees and earnings rules of Company where the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.Customer has not:

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless otherwise clearly indicated otherwise to the contrary, any one of you who signs in the space designated for signatures on the account recordssignature card, any of youincluding authorized signers, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account Account balance at any timetime on forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing this form to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account Account or any other transaction with us. Using The fact that we may honor withdrawal requests which overdraw the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) final collected Account balance does not in itself require more than one of you obligate us to authorize a withdrawaldo so, unless required by law. Such a restriction must Withdrawals will first be explicit. You agree thatmade from collected funds, as and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalcontrary. We may charge your account for a check even though payment was made before reserve the date of the check, unless we have received written notice of the postdating in time right to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, is attempted by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than minimum withdrawal requirement, or which exceeds any withdrawal limitationsfrequency limitation. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued repeated abuse of the stated limitations (if any) as your act of closing the account, may eventually force us to close this Account or we may at our option reclassify your account it as a checking or other transaction account. If we reclassify your accountAccount, your account Account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the a transaction is completed by us (as opposed to the date day you initiate it) to apply the frequency limitations. See We reserve the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may right to require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account Account other than a time deposit or demand deposit, or from any other savings account Account as defined by Regulation D. Withdrawals from a time account deposit prior to maturity or prior to the expiration of any notice period may be restricted and may be subject to penalty.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on You may request the account records, withdrawal of funds from Your Account in any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance amount at any time. Each of you Our policy is to pay such withdrawals upon request; however, We are required by federal and state regulations to specifically reserve Our right and do hereby reserve Our right to require You to give Us a seven (until we receive 7) day written notice of Your intention to withdraw funds from Your savings Account, money market deposit Account or certificate of deposit. All withdrawals are subject to the contrary) authorizes each availability of funds, as described in the Funds Availability Policy section of this Agreement. We may, at Our sole discretion, elect to issue the requested withdrawal amount by Official Check or other means in lieu of cash. Each person who signs is authorized to withdraw funds from Your Account, as indicated on the Account opening documentation, may withdraw funds under any method available to Your Account, as described below. Withdrawals by phone transfer or has authority electronic transfer are subject to make the terms and conditions described elsewhere in this Agreement. As described in Your new Account documents in further detail, certain Accounts allow only a limited number of withdrawals per statement cycle or calendar month, and We may charge a fee for transactions exceeding those limits. Moreover, if You exceed the regulatory transaction limitations described in Your Account documentation, We may be required to indorse convert Your Account to one that is not subject to regulatory limitation. Withdrawals by negotiable instrument may be made only from Money Market Accounts and checking Accounts, and We may refuse payment of any instrument drawn on such an Account other than a negotiable instrument presented upon a form purchased from or approved by Us. We do not routinely examine the dates written on items and We are not bound to dishonor any item payable due solely to you the fact that it has been postdated or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require is more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal6 months old. We may charge your account for a check pay items, payment of which have been stopped, after the expiration of the relevant stop payment orders, even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We items may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number be more than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account6 months old. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction Your Account is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, You have agreed to keep the funds on deposit until the maturity of Your Account. If Your Account has not matured, any withdrawal of all or part of the funds from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period Your Account may be restricted and may be subject to result in an early withdrawal penalty. We will consider requests for early withdrawal and, if granted, the penalty provided in the Receipt of Certificate of Time Deposit will apply.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open in the account or has authority to make withdrawals space designated for signatures on the signature card, including any agents, may withdraw or transfer all or any part of the account balance at any time, subject to any restrictions provided herein, on forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing on the signature card to make withdrawals to indorse endorse any item payable to you or your order for to deposit to this the account or any other transaction with us. Using The fact that we may honor withdrawal requests which overdraw the word “and” to connect the names of co-owners or co-fiduciaries in the finally collected account title (or elsewhere in account records) balance does not in itself require more than one of you obligate us to authorize a withdrawaldo so, unless required by law. Such a restriction must Withdrawals will first be explicit. You agree thatmade from collected funds, as and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalcontrary. We may charge your account for a check even though payment was made before reserve the date of the check, unless we have received written notice of the postdating in time right to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, is attempted by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any minimum withdrawal limitationsrequirement, or which exceeds any frequency limitation. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued repeated abuse of the stated limitations (if any) as your act of closing may eventually force us to close the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the a transaction is completed by us (as opposed to the date day you initiate it) to apply the frequency limitations. See We reserve the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not applyright to, you can ask us when you make a deposit when those funds will be available for withdrawal. In additionat any time, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ seven (7) days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. The maximum cash back withdrawal limit within any Advia Credit Union branch lobby and drive-thru is $1,000 and $500, respectively. Withdrawals from a time account deposit prior to maturity or prior to the expiration of any notice period may be restricted and may be subject to penalty. See the Early Withdrawal Penalties in the TRUTH IN SAVINGS disclosures below. Requirements for Depositing Funds You may deposit funds into any account using any approved method consistent with the conditions set forth by Advia Credit Union's Truth-in-Savings Disclosure. Deposits; Endorsements Transfers, checks, drafts and other items may be received for deposits into any of your accounts if they are payable to, or to the order of, one or more account owner(s), even if all payees fail to endorse them. If we choose, we may furnish missing endorsements of any owner. If a check, draft, or item that is payable to two or more owners is unclear as to whether it is made out to either or both, we may process that check, draft, or item as though it is payable to either person. When you deposit items into your account you warrant that all prior endorsements are genuine. We reserve the right to verify all endorsements on third party checks presented for payment or deposit either in person or by comparison with member account agreements. If an insurance check, a government check, or other check or draft specifies endorsement requirements on the back of the check or draft, we may require exact endorsement as stated on the item. You are liable for any loss we incur from any delay or processing error due to an incorrect endorsement or other marks made by you or any previous endorser. We may disregard information on the check other than the signature of the drawer and amount of the item and magnetic encoded information. You agree that we do not fail to use ordinary care in paying an item solely because its procedures do not provide for sight examination of items. Collection of Items So long as we exercised reasonable care, we are not liable for handling items for deposit or collections, as we serve only as your agent. We do not claim responsibility for a deposit made by mail or at an Automated Teller Machine until the item is in our possession. We are not liable for any mishandling of any item by another party or its loss in transit. Each separate party will only be liable for its own negligence. We reserve the right to send any item for collection. Items drawn on an institution not located in the United States are exclusively processed on a collection basis. You forgo the right to any notice of nonpayment, presentment, protest, or dishonor regarding the items we buy or acquire for credit or collection to your account. Payment Order of Items The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write. When processing items drawn on your account, our policy is to pay them in the order that they are received. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. By paying items in the order that we receive them, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees. Postdated Items We are not liable to you if we clear a postdated check prior to the date on the check. However, if you notify us of a postdated check and provide this notice in time for us to be able to act on it, we will treat your notice as a stop-payment order. We are under no obligation to you to pay a check that is more than (6) six months old unless the check has been certified by us.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account recordsGenerally, any of you, acting alone, who signs to open the account Account holder or has authority to make withdrawals Authorized Signer on an Account may withdraw or transfer all or any part of the account available balance in the Account at any time. Each Your available balance is the balance in your Account after deducting 1) deposits that are not yet available for withdrawal under our Funds Availability Disclosure, 2) pending transactions (such as debit card purchases) that the Bank has authorized but have not yet been paid from your Account, and 3) any holds on your Account. The available balance does not reflect all of your outstanding Checks, automatic bill payments (including ACH and recurring debit card transactions) or other transactions that you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make have authorized but have not yet been paid from your Account. Additional restrictions on withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries from Accounts are stated in the account title (Deposit Account Disclosures. Only one signature is required for withdrawals from any Account even if the signature card for the Account or elsewhere in account records) does not in itself require other documents state that more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item signature is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actrequired. We may refuse any withdrawal or transfer request which you attempt that is not on forms not approved required by usthe Bank, is by any a method we do not specifically permit, which is greater in number than exceeds the frequency permittedlimitations, or which is for an amount greater or less than any withdrawal limitations. Even We may close your Account for transactions that do not follow these requirements, even if we honor a nonconforming request, we are not required to do so laterpermit some of these transactions. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to us, not the date you initiate it) , to apply determine the frequency limitationsof transactions. We may pay any Item drawn against your Account that would be a substitute check if it did not contain an error or defect. See the funds availability policy disclosure our Funds Availability Disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until into your identity is verifiedAccount. We may require not less than 7 days’ advance notice in writing before each withdrawal of large cash withdrawals and may require that you provide adequate security when you accept the cash. Under Federal regulations, we may also require seven days prior written notice for withdrawals from an interest-bearing account Account other than a time deposit, or from any other savings account as defined by Regulation D. demand deposit Account. Withdrawals from a time account certificate of deposit prior to maturity or prior to any notice period may be restricted and may be subject to penaltya penalty as provided in the Deposit Account Disclosures or the pre-maturity notice you received prior to renewal of your CD.‌‌ Posting Order and Payment of Items from Your Account We generally process Items drawn on your Account on the Business Day they are received by us, in the following order: First, we will process wire transfers, debit card transactions, ATM withdrawals, cash withdrawals made at one of our branches and checks drawn on your Account that are cashed at one of our branches; and Second, we will post checks not included above, ACH transactions and CIBC NetBanking bill payment transactions. Within each of these categories, Items without serial numbers will be paid in the order that we receive them. Checks with check numbers will be paid in check number order, from the lowest number to the highest number. The order in which Items are paid is important because it may result in Overdraft Fees or Non-Sufficient Funds (NSF) Fees if you do not have sufficient funds available in your Account to pay the Items.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open in the space designated for signatures on the deposit account or has authority to make withdrawals agreement may withdraw or transfer all or any part of the account balance at any timeanytime. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing the deposit account agreement to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account or any other transaction with us. Using Postdated checks - A postdated check is one which bears a date later than the word “and” to connect date on which the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalwritten. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, check unless we have received written notice of the postdating in time to have a reasonable opportunity to act. Checks and withdrawal rules - We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, . We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, permitted or which is for an amount greater or less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the Funds Availability Policy disclosure provided elsewhere for information about when you can withdraw funds you deposit. For those accounts to which our Funds Availability Policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. Waivers - Even if we honor a nonconforming requestrequest for withdrawal, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. Notice of withdrawal - We may require not less than 7 days’ days notice in writing before each withdrawal from an interest-interest- bearing account (other than a time deposit). At the present time, or from any other savings account as defined by Regulation D. we do not require such notice. If we do require such notice at some time in the future, we will apply that requirement to all such accounts. Withdrawals from a time deposit account prior to maturity or prior to any notice period may be are restricted and may be subject to penalty. See the early withdrawal penalty information located in the Truth-In-Savings Disclosure. Clearing policy - Each business day your account has transaction activity presented to the Bank; we record account credits (deposits) in your account before consideration of debits (withdrawals). Debit transactions are then recorded such as transactions made with your debit card (at an ATM or through point-of-sale terminals), as well as returned deposits, automated payments, such as ACH debits and Xxxx Pay debits, and checks by sequential number order as they are received. The exception to checks clearing by number order will be for checks that are cashed or handled over the counter at our facility; these checks will be paid first. If your account does not have sufficient funds for all of the checks presented, we may return checks to the payee, by returning the checks in the reverse order as they are received. The Bank retains absolute discretion in the payment and/or payment order of checks, and Bank policies may change without notice to you. Transaction activity displayed in online and mobile banking are not reflective of the actual order transactions are posted in the banks permanent system of record as described above. Online and mobile banking transaction activity is shown in descending order with credits listed first and debits listed second.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless otherwise clearly indicated otherwise to the contrary, any one of you who signs in the space(s) designated for signatures on the signature card or account recordsapplication, including any of yourepresentative agents, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any timetime on the forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing on the signature card to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge against your account for a check check, even though payment was made before the date of the check, unless we you have received given us prior written notice of the postdating postdating. The fact that we may honor withdrawal requests which overdraw the finally collected account balance does not obligate us to do so, unless required by law. Withdrawals will be made in time the order that items are presented to have a reasonable opportunity us and will first be made from collected funds and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds even if our general practice is to actthe contrary. We may reserve the right to refuse any withdrawal or transfer request which you attempt on forms not approved by us, is attempted by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any minimum withdrawal limitationsrequirement, or which exceeds any frequency limitation. Even if we honor a nonconforming non- confirming request, we are not required to do so later. We may treat continued repeated abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate eventually force us to do so laterclose this account. We will use the date the a transaction is completed by us (as opposed to the date day you initiate it) to apply the frequency limitations. DEPOSITS - Any item, other than cash, that are accepted for deposit (including items drawn “on us”) will be given provisional credit only when collection is final (and actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars). All transactions received after our “daily cut-off time” on a normal business day we are open or received on a day in which we are not open for business will be treated and recorded as if initiated on the next following business day that we are open. See the funds availability policy disclosure Funds Availability Disclosure below for additional information about when deposits made to your account.‌ DIVIDENDS - We are prohibited by law from guaranteeing the payment of dividends or that dividends we do pay will be at the disclosed rate. We must base our dividend payments to you can withdraw funds you depositupon the money we actually earn and that is available for distribution at the end of a dividend period. For those accounts for which our funds availability policy disclosure does not applySHARE DRAFTS - Unless otherwise agreed, you can ask us when you make a deposit when those funds will be available waive any right to receive any original item after it is paid. OWNERSHIP OF ACCOUNT & BENEFICIARY DESIGNATION - Ownership and beneficiary designation of this account is governed by the Membership Agreement for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior membership used to maturity or prior to any notice period may be restricted and may be subject to penaltyestablish this account.

Withdrawals. Our banking offices are What checks will we cash? We may cash checks payable to the owner of the account when endorsed by any signer. If you ask us to cash a check for you, we may use the proceeds in the manner discussed in the section below entitled "Under what circumstances can we offset your account(s) against a debt you owe us?" We do not cash checks made payable to a business or corporation. Can we cash checks you write to non-customers? If you issue a check drawn on your account and a person who is not our customer seeks to cash facilities it at one of our branches, you agree, to the extent permitted by law, we may charge the non-customer a fee as a condition of cashing the check. We may charge the fee without prior notice to you and you for items that are drawn on your account or that we have issued at your request. You also agree that (i) we may require the non-customer to provide additional identification and/or comply with any other security measures we may impose; and (ii) we will not be allowed liable for wrongful dishonor for refusing to withdraw currency at cash the check if the non-customer refuses to pay the fee or comply with our office locations. Unless clearly indicated otherwise security measures (i.e., affixing a fingerprint on the check). Where can you order checks, deposit slips and other forms? You must obtain all checks, withdrawal forms, and deposit slips either from us or adhere to the specifications set forth by us. You either from us or adhere to the specifications set forth by us. You are responsible for verifying the accuracy of all information on these items. We will not be responsible or liable for any loss or damage you sustain from the use of checks or forms not obtained through us. What is an electronic check? Certain businesses may convert checks you give them into electronic debits and then sends us an electronic debit for the transaction amount. When we receive the electronic debit from the business, we charge it to your account. This electronic debit may be processed immediately after the business enters the transaction, so your right to stop payment could be reduced and you could incur an overdraft if your account records, any of you, acting alone, who signs does not have sufficient funds to open cover the account or has authority to make withdrawals may withdraw or transfer all or any part amount of the account balance check at any timethe time you write the check or authorize the transaction. Each The check is not sent to us, and therefore we do not have a copy of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we check and have no opportunity to review the check to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in signatures on the Electronic Fund Transfers regulationitem. You agree that for any items we do not have the opportunity to examine, you waive any requirement to verify signatures. All electronic debits will be listed on your account statement. How do we process and examine checks? We process items electronically, using software which "reads" the checks. As a result, we do not individually examine all of multiple your items for dates, maker signatures, legends or endorsements (including restrictive endorsements, such as "two signatures required" or "must be presented within 90 days") to determine if an item is properly completed, signed and endorsed or to determine if it contains any information other than what is encoded in magnetic ink. You agree we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner, and we are not responsible for any losses or damages you sustain resulting from our failure to abide by restrictive endorsements. If you need to make a large cash withdrawal, do you need to notify us? We may require prior notice for large cash withdrawals. We can refuse an order to withdraw funds in cash or to cash an item if we believe the request is a security risk or if it would cause a hardship on us. We may require you to accept an official check or electronic transfer to receive the funds. If we agree to a large cash withdrawal, you may be required to employ a courier service acceptable to us in our sole discretion and at your sole risk and expense. Can we pay postdated checks? A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, you agree to waive any right you may have under the Uniform Commercial Code to give us notice of a postdated check and agree we shall not be liable for paying a postdated check before the date of the check, even if you give us reasonable notice prior to payment of the check. If you do not want us to pay a postdated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we pay stale dated checks? We are not obligated to, but may at our option, pay or accept a check, other than an official check, presented for payment more than six (6) months after its date. If you do not want us to pay a stale-dated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we send you electronic notice of unpaid items in lieu of your check? If we decide not to pay a check or other item drawn on your account, we may place limitation on return, a substitute check an image or a copy of the item or we may send an electronic notice of return. If we send an electronic notice of return, you agree any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect as if we had returned the original item. Under what circumstances can we offset your account(s) against a debt you owe us? We may (without prior notice and when permitted by law) offset funds in any or all of your South State accounts to repay any debt or obligation you owe to us, regardless of the source of funds in an account. Our right to offset funds in your accounts includes the right to apply part or all of the funds in your account until your identity is verifiedfor the satisfaction of any debt owed to us. We may require not less than 7 days’ notice in writing before each withdrawal from charge an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals earlywithdrawal penalty on the funds that are set off from a time deposit account. Our right of offset does not apply to fiduciary accounts or where otherwise prohibited by law. We will have no liability for dishonoring items presented against your account prior when the exercise of our right of offset results in non-sufficient funds in your account. You agree to maturity or prior to hold us harmless from any notice period may be restricted and may be subject to penaltyclaim arising as a result of our exercise of our right of offset.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open in the account or has authority to make withdrawals space designated for signatures on the signature card may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing the signature card to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitationslimitation. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to so later. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability availa- bility policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In additionTransfers - You may make transfers to and from any deposit accounts shown under your social security number except on share certificates of deposit, we IRAs, and certain restricted accounts such as holding accounts. You may place limitation on the account until your identity is verifiedalso transfer payments to certain loan accounts. We may require not less than 7 days’ notice reserve the right to refuse any transaction that would draw upon insufficient or unavailable funds or lower an account below a required balance. Also, all accounts must be in writing good standing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may transfers are permitted.Transactions involving your accounts will be subject to penaltythe terms and conditions of your Membership and Account Agreement; transactions involving loan accounts will be subject to your loan agreement and disclosures, as applicable.

Withdrawals. Our banking offices are What checks will we cash? We may cash checks payable to the owner of the account when endorsed by any signer. If you ask us to cash a check for you, we may use the proceeds in the manner discussed in the section below entitled "Under what circumstances can we offset your account(s) against a debt you owe us?" We do not cash checks made payable to a business or corporation. Can we cash checks you write to non-customers? If you issue a check drawn on your account and a person who is not our customer seeks to cash facilities it at one of our branches, you agree, to the extent permitted by law, we may charge the non-customer a fee as a condition of cashing the check. We may charge the fee without prior notice to you and you for items that are drawn on your account or that we have issued at your request. You also agree that (i) we may require the non-customer to provide additional identification and/or comply with any other security measures we may impose; and (ii) we will not be allowed liable for wrongful dishonor for refusing to withdraw currency at cash the check if the non-customer refuses to pay the fee or comply with our office locations. Unless clearly indicated otherwise security measures (i.e., affixing a fingerprint on the check). Where can you order checks, deposit slips and other forms? You must obtain all checks, withdrawal forms, and deposit slips either from us or adhere to the specifications set forth by us. You are responsible for verifying the accuracy of all information on these items. We will not be responsible or liable for any loss or damage you sustain from the use of checks or forms not obtained through us. What is an electronic check? Certain businesses may convert checks you give them into electronic debits and then sends us an electronic debit for the transaction amount. When we receive the electronic debit from the business, we charge it to your account. This electronic debit may be processed immediately after the business enters the transaction, so your right to stop payment could be reduced and you could incur an overdraft if your account records, any of you, acting alone, who signs does not have sufficient funds to open cover the account or has authority to make withdrawals may withdraw or transfer all or any part amount of the account balance check at any timethe time you write the check or authorize the transaction. Each The check is not sent to us, and therefore we do not have a copy of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we check and have no opportunity to review the check to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in signatures on the Electronic Fund Transfers regulationitem. You agree that for any items we do not have the opportunity to examine, you waive any requirement to verify signatures. All electronic debits will be listed on your account statement. How do we process and examine checks? We process items electronically, using software which "reads" the checks. As a result, we do not individually examine all of multiple your items for dates, maker signatures, legends or endorsements (to determine if an item is properly completed, signed and endorsed or to determine if it contains any information other than what is encoded in magnetic ink. Therefore, we cannot operationally support restrictions placed on items including but not limited to "two signatures required" or "must be presented within 90 days" (collectively referred to as "Restrictions").You agree we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner, and we are not responsible for any losses or damages you sustain resulting from our failure to abide by Restrictions. If you need to make a large cash withdrawal, do you need to notify us? We may require prior notice for large cash withdrawals. We can refuse an order to withdraw funds in cash or to cash an item if we believe the request is a security risk or if it would cause a hardship on us. We may require you to accept an official check or electronic transfer to receive the funds. If we agree to a large cash withdrawal, you may be required to employ a courier service acceptable to us in our sole discretion and at your sole risk and expense. Can we pay postdated checks? A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, you agree to waive any right you may have under the Uniform Commercial Code to give us notice of a postdated check and agree we shall not be liable for paying a postdated check before the date of the check, even if you give us reasonable notice prior to payment of the check. If you do not want us to pay a postdated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we pay stale dated checks? We are not obligated to, but may at our option, pay or accept a check, other than an official check, presented for payment more than six (6) months after its date. If you do not want us to pay a stale-dated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we send you electronic notice of unpaid items in lieu of your check? If we decide not to pay a check or other item drawn on your account, we may place limitation on return a substitute check, an image or a copy of the item or we may send an electronic notice of return. If we send an electronic notice of return, you agree any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect as if we had returned the original item. Under what circumstances can we offset your account(s) against a debt you owe us? We may (without prior notice and when permitted by law) offset funds in any or all of your SouthState accounts to repay any debt or obligation you owe to us, regardless of the source of funds in an account. Our right to offset funds in your accounts includes the right to apply part or all of the funds in your account until your identity is verifiedfor the satisfaction of any debt owed to us. We may require not less than 7 days’ notice in writing before each charge an early withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals penalty on the funds that are offset from a time deposit account. Our right of offset does not apply to fiduciary accounts or where otherwise prohibited by law. We will have no liability for dishonoring items presented against your account prior when the exercise of our right of offset results in non-sufficient funds in your account. You agree to maturity or prior to hold us harmless from any notice period may be restricted and may be subject to penaltyclaim arising as a result of our exercise of our right of offset.

Withdrawals. Our banking offices Without prejudice and subject to the terms of this Agreement, all Applicable Regulations and all conditions attaching to any relevant payments made to you under a bonus or rebate scheme operated by us, monies may be withdrawn by you from your Account on 24 hours written notice to us, provided that such monies are non-cash facilities not being utilized for margin purposes or have otherwise become owing to us. Payments from your Account require a withdrawal request form signed by all required Account holders and submitted in writing to us. If you request a withdrawal of monies from your Account and we cannot comply with it without closing some part of your open positions, we will not comply with the request until you have closed sufficient positions to allow you to make the withdrawal. Withdrawals will only be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise made on the account records, any of request by you, acting aloneby bank transfer to an account in your name or by bankers draft payable to you personally or such other method as we, who signs in our absolute discretion, may determine. ACCOUNT CLOSING You may close your account at any time by sending a written request to Alchemy Markets. Subject to what is provided in the previous paragraph in regard to Withdrawals, funds will be transferred, in most cases, within 48 hours or receiving the request. Funds will be only transferred to a bank account in your name. No third party transfers will be made. SWAP FREE ACCOUNTS Any activity which is deemed as likely to cause Alchemy Markets or which has caused Alchemy Markets to suffer any unreasonable cost, expense, loss or prejudice, such as but not limited to a swap free account holder (“Islamic Account”) opening of positions and keeping such positions open for a prolonged period of time (resulting in Alchemy Markets incurring costs with its counter-parties or internally), may result in account closure or the account customer being charged for such costs, expenses or has authority loss, as the case may be. In such latter case, Alchemy Markets shall be entitled to make withdrawals may withdraw or transfer all or any part deduct such amounts from the customer’s balance subject to prior notification. NEGATIVE BALANCE PROTECTION MECHANISM ON CFD TRADING ACCOUNTS In cases of market movements which result in a negative balance in a client’s CFD Trading Account, Alchemy Markets Limited will execute one of the following mechanisms: ■ It will adjust the account balance at to zero, thereby ensuring that the Client will not have to fund any time. Each of you (until we receive written notice to negative balance and/or lose more money beyond the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order amount that the Client had allocated initially for deposit to this CFD trading; ■ It will open a new trading account or any other transaction with us. Using a zero balance and close off the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the old account, or we may at our option reclassify your account as a transaction accountwithout the client having to fund any negative balance and/or lose more money beyond the amount that the Client had allocated initially for CFD trading; The negative balance protection outlined above is designed to counteract the occurrence of exceptional circumstances with the aim of providing client protection in case of extreme market events. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.ELECTRONIC TRADING TERMS

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on Anyone who signed the account records, any of you, acting alone, who signs signature card or electronically agreed to open the account or has authority to make withdrawals an account, if applicable, may withdraw or transfer all or any part a portion of the account balance at any timetime by using forms approved by us or by any other method we authorize unless there are account specific withdrawal limitations. Each In addition, our general practice is to only allow transfers of funds via telephone (in person calls or Exchange Line) or Exchange Online between liked named accounts. We reserve the right to restrict withdrawals until we have received a properly signed authorization on a form approved by us. We may honor any item drawn on the account which contains your signature, whether or not the form of the signature is the same as that shown on the signature card given to us. We may pay items authorized by you to be issued without your signature. If we have reason to believe that a dispute or uncertainty exists as to the rights, powers, duties or authority of any of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in signers on the account title (or elsewhere in account records) does their successors, we may, but shall not in itself require more than one be required to, refuse to permit withdrawals, pay items or recognize the authority of you to authorize a withdrawal. Such a restriction must be explicitan agent. You agree that, as to any item that we have no opportunity maintain adequate safeguards to examine ensure the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date authorized use of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actforms and signature stamps you retain. We may refuse to cash any withdrawal item written (including, but not limited to, a substitute check) by you when presented by a person who is not one of our customers. You agree that we will not be responsible if we pay any item which has been forged, altered or transfer request which counterfeited (regardless of by whom or what means including electronic or photo static copying) in a way that a reasonable person could not detect or, if your account is a non-personal account, you attempt on forms not approved by us, by any method we do not subscribe to our Positive Pay Treasury Management Service or other fraud prevention services or procedures. If you voluntarily and specifically permitdisclose your account number to another person orally, which is greater in number than the frequency permittedwriting, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming requestby some other means, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) such disclosure as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify authorization to that person to issue items drawn against your account, your unless you can demonstrate to our satisfaction that the account will be subject to the fees and earnings rules of the new account classificationnumber was disclosed for a different purpose. The fact that At our option, we may honor withdrawal requests that overdraw or dishonor checks presented against uncollected funds (see our Funds Availability Schedule) or insufficient funds. At our discretion, we reserve the available right to return checks and other preauthorized transactions charged to your account balance to cover the amount of any overdraft and the related fees. Having honored such checks in the past does not obligate us to do so laterin the future. If your account is linked to an overdraft line of credit (Personal Line of Credit) or other overdraft protection plan, the terms printed on your credit or other agreement will apply to any overdraft occurring in your account for any reason. If we decide to return checks which you have written against uncollected or insufficient funds, you will be charged the current established fee. You agree that our use of automated check sorting equipment and automatic payment of checks without manual verification of signature, or other examination, is a procedure that does not vary unreasonably from general banking usage and constitutes ordinary care by us in paying checks. You also agree that we may accept or pay checks and other items in any order we choose. The order in which we pay your transactions may not match the order in which you initiated them. The order in which you make withdrawals from your account will not be the same as the order in which we post these transactions to your account, and this posting order may affect whether you incur overdraft fees. You have no right to direct us regarding the order of payment of checks or any other items drawn on your account. The Bank processes transactions as they are received by the bank each business day in the following order: • Deposits/Credits • ATM and CheckCard transactions, • Checks taken across the teller window at National Exchange Offices in check number order (without a check number prior to those with one), • Automated fund transfers, • Automated loan payments, • Automated Clearing House (ACH) withdrawals, • Checks received for payment from other financial institutions in check number order (without a check number prior to those with one). Unless we have agreed in writing to honor a restriction, we are not required to honor any special instruction or “restrictive legend” placed on checks you write. Examples of restrictive legends on checks are “not valid for more than $500” or “must be presented within 90 days.” We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks. Unless we expressly agree in writing with you, you may not deposit with us a document that you created or printed from an image or other electronic record of an original paper check (a “substitute check document”). Our acceptance for deposit of a substitute check document from you will not be deemed as a waiver of the prohibition on the deposit of substitute check documents. You also will not identify us as a “reconverting bank” or “truncating bank” on a substitute check document you deposit at any other financial institution or transfer to any other person. You also agree to indemnify us for any loss that we incur directly or indirectly from your deposit or transfer of a substitute check document in violation of the limitations in this paragraph. You acknowledge and agree that you will use only black or blue ink when writing checks drawn on your account, and that you will use only the paper check stock as provided by us or standard check stock that does not contain decorative images. Your use of check stock with decorative images and/or use of ink colors other than black or blue on a check may result in errors in processing your check and charging your account. You agree that we shall have no liability to you in the event that you incur a loss from an error in the processing of your check that was caused by your non-compliance with these check stock and ink color requirements. We will use charge your account for a check on the date day the transaction check is completed presented to us for payment by us any legal means (as opposed to the date you initiate itincluding electronically) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make or earlier if we receive notice that a deposit when those funds check drawn on your account will be presented for payment. This will affect your available for withdrawalbalance, determined as of the time we receive the check or notice, and our determination of whether you have sufficient funds in your account to pay the check. In additionIf you are a business with a zero-balance account, we may place limitation on may, but need not, cash checks without verifying the account until your identity is verified. We may require not less than 7 days’ notice balance in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltythe master account.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on You may request the account records, withdrawal of funds from your Account in any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance amount at any time, subject to fees and penalties that may apply to your Account type. Our policy is to pay withdrawals upon request; however, we are required by federal and state regulations to specifically reserve our right and do hereby reserve our right to require you to give us a seven (7) day written notice of your intention to withdraw funds from your savings Account, money market deposit Account, certificate of deposit or negotiable order of withdrawal account (“NOW Account”). All withdrawals are subject to the availability of funds, as described in the Funds Availability Policy section of this Agreement and subject to the terms and conditions of money transfer services, including but not limited to the External Transfer Service. We may, at our sole discretion, elect to issue the requested withdrawal amount by Official Check or other means in lieu of cash. Each of you (until we receive written notice person who is authorized to withdraw funds from your Account, as indicated on the Account opening documentation, may withdraw funds under any method available to your Account, as described below. Withdrawals by phone transfer or electronic transfer are subject to the contrary) authorizes each terms and conditions described elsewhere in this Agreement. As described in your new Account documents in further detail, certain Accounts allow only a limited number of withdrawals per statement cycle or calendar month, and we may charge a fee for transactions exceeding those limits. Moreover, if you exceed the regulatory transaction limitations described in your Account documentation, we may be required to convert your Account to one that is not subject to regulatory limitation. Withdrawals by negotiable instrument may be made only from Money Market Accounts and Checking Accounts, and we may refuse payment of any instrument drawn on such an Account other person who signs than a negotiable instrument presented upon a form purchased from or has authority approved by us. We do not routinely examine the dates written on items, and we are not bound to make withdrawals to indorse dishonor any item payable due solely to you the fact that it has been postdated or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require is more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal6 months old. We may charge your account for a check pay items, payment of which have been stopped, after the expiration of the relevant stop payment orders, even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actitems may be more than 6 months old. We may refuse any reserve the right, in our sole discretion, to require additional information to authenticate or validate your identity or a withdrawal or transfer request, whether such request which you attempt on forms not approved by usis made for Wire Transfer, by any method we do not specifically permit, which is greater in number than the frequency permittedOfficial Check, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction accountotherwise. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction Account is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, you have agreed to keep the funds on deposit until the maturity of your Account. If your Account has not matured, any withdrawal of all or part of the funds from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period your Account may be restricted and may be subject to result in an early withdrawal penalty. We will consider requests for early withdrawal and, if granted, the penalty provided in the Receipt of Certificate of Time Deposit will apply.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open in the account or has authority to make withdrawals space designated for signatures on the signature card, including any agents, may withdraw or transfer all or any part of the account balance at any time, subject to any restrictions provided herein, on forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing on the signature card to make withdrawals to indorse endorse any item payable to you or your order for to deposit to this the account or any other transaction with us. Using The fact that we may honor withdrawal requests which overdraw the word “and” to connect the names of co-owners or co-fiduciaries in the finally collected account title (or elsewhere in account records) balance does not in itself require more than one of you obligate us to authorize a withdrawaldo so, unless required by law. Such a restriction must Withdrawals will first be explicit. You agree thatmade from collected funds, as and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalcontrary. We may charge your account for a check even though payment was made before reserve the date of the check, unless we have received written notice of the postdating in time right to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, is attempted by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any minimum withdrawal limitationsrequirement, or which exceeds any frequency limitation. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued repeated abuse of the stated limitations (if any) as your act of closing may eventually force us to close the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the a transaction is completed by us (as opposed to the date day you initiate it) to apply the frequency limitations. See We reserve the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not applyright to, you can ask us when you make a deposit when those funds will be available for withdrawal. In additionat any time, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ seven (7) days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. The maximum cash back withdrawal limit within any Advia Credit Union branch lobby and drive-thru is $1,000 and $500, respectively. Withdrawals from a time account deposit prior to maturity or prior to the expiration of any notice period may be restricted and may be subject to penalty. See the Early Withdrawal Penalties in the TRUTH IN SAVINGS disclosures below. Requirements for Depositing Funds You may deposit funds into any account using any approved method consistent with the conditions set forth by Advia Credit Union's Truth-in-Savings Disclosure. Deposits; Endorsements Transfers, checks, drafts and other items may be received for deposits into any of your accounts if they are payable to, or to the order of, one or more account owner(s), even if all payees fail to endorse them. If we choose, we xxx xxxxxxx missing endorsements of any owner. If a check, draft, or item that is payable to two or more owners is unclear as to whether it is made out to either or both, we may process that check, draft, or item as though it is payable to either person. When you deposit items into your account you warrant that all prior endorsements are genuine. We reserve the right to verify all endorsements on third party checks presented for payment or deposit either in person or by comparison with member account agreements. If an insurance check, a government check, or other check or draft specifies endorsement requirements on the back of the check or draft, we may require exact endorsement as stated on the item. You are liable for any loss we incur from any delay or processing error due to an incorrect endorsement or other marks made by you or any previous endorser. We may disregard information on the check other than the signature of the drawer and amount of the item and magnetic encoded information. You agree that we do not fail to use ordinary care in paying an item solely because its procedures do not provide for sight examination of items. Collection of Items So long as we exercised reasonable care, we are not liable for handling items for deposit or collections, as we serve only as your agent. We do not claim responsibility for a deposit made by mail or at an Automated Teller Machine until the item is in our possession. We are not liable for any mishandling of any item by another party or its loss in transit. Each separate party will only be liable for its own negligence. We reserve the right to send any item for collection. Items drawn on an institution not located in the United States are exclusively processed on a collection basis. You forgo the right to any notice of nonpayment, presentment, protest, or dishonor regarding the items we buy or acquire for credit or collection to your account. Payment Order of Items The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write. When processing items drawn on your account, our policy is to pay them in the order that they are received. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. By paying items in the order that we receive them, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees. Postdated Items We are not liable to you if we clear a postdated check prior to the date on the check. However, if you notify us of a postdated check and provide this notice in time for us to be able to act on it, we will treat your notice as a stop-payment order. We are under no obligation to you to pay a check that is more than (6) six months old unless the check has been certified by us.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open in the space designated for signatures on the deposit account or has authority to make withdrawals agreement may withdraw or transfer all or any part of the account balance at any timeanytime. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing the deposit account agreement to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account or any other transaction with us. Using Postdated checks - A postdated check is one which bears a date later than the word “and” to connect date on which the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalwritten. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, check unless we have received written notice of the postdating in time to have a reasonable opportunity to act. Checks and withdrawal rules - We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, . We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, permitted or which is for an amount greater or less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the Funds Availability Policy disclosure provided elsewhere for information about when you can withdraw funds you deposit. For those accounts to which our Funds Availability Policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. Waivers - Even if we honor a nonconforming requestrequest for withdrawal, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. Notice of withdrawal - We may require not less than 7 days’ days notice in writing before each withdrawal from an interest-interest- bearing account (other than a time deposit). At the present time, or from any other savings account as defined by Regulation D. we do not require such notice. If we do require such notice at some time in the future, we will apply that requirement to all such accounts. Withdrawals from a time deposit account prior to maturity or prior to any notice period may be are restricted and may be subject to penalty. See the early withdrawal penalty information located in the Truth-In-Savings Disclosure. Clearing policy - Each business day your account has transaction activity presented to the Bank; we record account credits (deposits) in your account before consideration of debits (withdrawals). Debit transactions are then recorded such as transactions made with your debit card (at an ATM or through point-of-sale terminals), as well as returned deposits, automated payments, such as ACH debits and Bill Pay debits, and checks by sequential number order as they are received. The exception to checks clearing by number order will be for checks that are cashed or handled over the counter at our facility; these checks will be paid first. If your account does not have sufficient funds for all of the checks presented, we may return checks to the payee, by returning the checks in the reverse order as they are received. The Bank retains absolute discretion in the payment and/or payment order of checks, and Bank policies may change without notice to you. Transaction activity displayed in online and mobile banking are not reflective of the actual order transactions are posted in the banks permanent system of record as described above. Online and mobile banking transaction activity is shown in descending order with credits listed first and debits listed second.

Withdrawals. Our banking offices We will execute withdrawals of VC from your account to an external wallet based on your written instructions submitted using the Platform. Netcoins cannot reverse a withdrawal that has been broadcast to a VC network. You are non-cash facilities exclusively responsible for ensuring that a withdrawal is being made to the correct or intended wallet address. VC transfers require processing time and you will not be allowed to withdraw currency at the total time can vary significantly, including both the normal processing time associated with a specific VC’s network, and delays from other causes, including latency, congestion, disruption, and other causes beyond our office locationscontrol. Unless clearly indicated otherwise on the account recordsWe may, in our sole discretion, delay, modify prohibit, or reverse, in whole or in part, any of yourequested withdrawal, acting aloneincluding in instances where: (a) We need further identify confirmation to comply with anti-money laundering policies, who signs to open (b) We suspect that Your actions, the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permittedwallet address, or which is for the withdrawal itself may be fraudulent or that you are violating the Terms of Service, (c) Your account has or would have an amount greater insufficient balance to cover actual or less than any withdrawal limitations. Even if we honor a nonconforming requestanticipated fees, we are not required to do so later. We may treat continued abuse of the stated limitations or (if anyd) as your act of closing the accountrequired by law or in response to a subpoena, court order, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verifiedother binding government order. We may require confirmation of the identity of the recipient before executing the requested transfer. We may decline to process a transfer if we are unable to confirm to our satisfaction (in our sole judgment) that the transfer complies with all applicable laws and regulations. You accept all risks involved in withdrawing VC from your account. We are not less than 7 days’ notice in writing before each withdrawal liable for losses resulting from an interest-bearing account other than a time depositinaccurate, incomplete, or from misleading details that You provide, or for any other savings account as defined by Regulation D. Withdrawals from failure, error or delay in processing a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltywithdrawal. IF, FOR ANY REASON, YOUR ACCOUNT IS IN ARREARS, OR A FUNDING TRANSACTION FAILS OR IS REVERSED BY A BANK, PAYMENT PROCESSOR OR SIMILAR ENTITY, RESULTING IN A BALANCE OWING TO US, YOU AGREE THAT WE MAY, WITHOUT NOTICE TO YOU, LIQUIDATE ANY VIRTUAL CURRENCY ASSOCIATED WITH YOUR ACCOUNT IN ORDER TO REPAY ANY SUCH AMOUNTS OWING TO US. TO THE EXTENT THERE IS ANY SHORTFALL IN AMOUNTS OWING TO US, YOU AGREE TO PROMPTLY PAY US SUCH AMOUNTS.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals You may withdraw or transfer all or funds from your account(s) in any part of the account balance at any time. Each of you (until manner we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actpermit. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, permitted; which is greater in number than the frequency permitted, ; or which is for an amount greater or less than any withdrawal limitations. Even We will use the date the transaction is completed by us to apply the frequency limitations. You authorize us to honor transactions initiated by a third party to whom you have given your account number or the MICR information appearing on the bottom of your check or deposit slip even if we honor you do not authorize a nonconforming request, we are not required particular transaction. We reserve the right to do so laterrequire at least seven days written noticebefore any withdrawal or transfer. See the Availability of Funds disclosure for information about when you can withdraw funds you deposit. Automated Processing of Items. We may treat continued abuse disregard information on any draft or check, other than the signature of the stated limitations drawer, the amount and any magnetic encoding. You agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for sight examination of items. You agree to submit items to the Credit Union for payment or collection that adhere to general industry standards for encoding and magnetic ink. Non-Sufficient Funds and Overdrafts. If an item is pre- sented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (if anycreating an overdraft) as your act of closing or return the accountitem for Non-Sufficient Funds (NSF). In either case, a Non-Sufficient Funds fee will be charged. A fee will be imposed for overdrafts created by checks (share drafts), ACH, Point-of-Sale, ATM withdrawals, or we may at our option reclassify your account as a transaction accountby electronic means. If we reclassify your account, your account will be subject to the fees and earnings rules The amount of the new account classificationNSF fee is set forth in the Fee Schedule. Transactions may not be processed in the order in which they occur. The order in which transactions are received and processed may impact the total amount of fees incurred by you. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed do not have to the date notify you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure if your account does not applyhave funds to cover checks, fees, electronic debits or other posted items. The Credit Union has the right to charge any shares you can ask us when own to cover negative balances, except as prohibited by law. If you make do not pay the negative balance within a deposit when those funds will be available for withdrawal. In additionreasonable period of time after we notify you of the deficiency, we may place limitation on the account until will close your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltyaccount.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open in the account or has authority to make withdrawals space designated for signatures on the signature card, including any agents, may withdraw or transfer all or any part of the account balance at any time, subject to any restrictions provided herein, on forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing on the signature card to make withdrawals to indorse endorse any item payable to you or your order for to deposit to this the account or any other transaction with us. Using The fact that we may honor withdrawal requests which overdraw the word “and” to connect the names of co-owners or co-fiduciaries in the finally collected account title (or elsewhere in account records) balance does not in itself require more than one of you obligate us to authorize a withdrawaldo so, unless required by law. Such a restriction must Withdrawals will first be explicit. You agree thatmade from collected funds, as and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalcontrary. We may charge your account for a check even though payment was made before reserve the date of the check, unless we have received written notice of the postdating in time right to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, is attempted by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any minimum withdrawal limitationsrequirement, or which exceeds any frequency limitation. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued repeated abuse of the stated limitations (if any) as your act of closing may eventually force us to close the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the a transaction is completed by us (as opposed to the date day you initiate it) to apply the frequency limitations. See We reserve the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not applyright to, you can ask us when you make a deposit when those funds will be available for withdrawal. In additionat any time, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ seven (7) days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account Savings Account as defined by Regulation D. The maximum cash back withdrawal limit within any Advia Credit Union branch lobby and drive-thru is $1,000 and $500, respectively. Withdrawals from a time account deposit prior to maturity or prior to the expiration of any notice period may be restricted and may be subject to penalty. See the Early Withdrawal Penalties in the Truth- In-Savings disclosures below. Requirements for Depositing Funds You may deposit funds into any account using any approved method consistent with the conditions set forth by Advia Credit Union’s Truth-in-Savings Disclosure. Deposits; Endorsements Transfers, checks, drafts and other items may be received for deposits into any of your accounts if they are payable to, or to the order of, one or more account owner(s), even if all payees fail to endorse them. If we choose, we may furnish missing endorsements of any owner. If a check, draft, or item that is payable to two or more owners is unclear as to whether it is made out to either or both, we may process that check, draft, or item as though it is payable to either person. When you deposit items into your account you warrant that all prior endorsements are genuine. We reserve the right to verify all endorsements on third party checks presented for payment or deposit either in person or by comparison with member account agreements. If an insurance check, a government check, or other check or draft specifies endorsement requirements on the back of the check or draft, we may require exact endorsement as stated on the item. You are liable for any loss we incur from any delay or processing error due to an incorrect endorsement or other marks made by you or any previous endorser. We may disregard information on the check other than the signature of the drawer and amount of the item and magnetic encoded information. You agree that we do not fail to use ordinary care in paying an item solely because its procedures do not provide for sight examination of items. Collection of Items So long as we exercised reasonable care, we are not liable for handling items for deposit or collections, as we serve only as your agent. We do not claim responsibility for a deposit made by mail or at an Automated Teller Machine until the item is in our possession. We are not liable for any mishandling of any item by another party or its loss in transit. Each separate party will only be liable for its own negligence. We reserve the right to send any item for collection. Items drawn on an institution not located in the United States are exclusively processed on a collection basis. You forgo the right to any notice of nonpayment, presentment, protest, or dishonor regarding the items we buy or acquire for credit or collection to your account. Understanding Your Account Balances Your account has two kinds of balances: the actual balance and the available balance. We use the available balance to determine whether a transaction will overdraw your account, be returned, or declined and for determining when an overdraft (Courtesy Pay) or NSF (Returned Item) fee will be imposed. Your actual balance reflects transactions that have posted to your account but not transactions that have been authorized and are pending. Your available balance represents your actual balance minus any holds on your account, such as debit card transactions that have been authorized but are pending final settlement or holds for checks you have deposited. We may determine the available balance in your account for the purpose of deciding whether to return an item for insufficient funds or pay an overdraft at any time between the times we receive the item and when we return or pay the item. We need only make one determination, but if we choose to make a subsequent determination, the available balance at the subsequent time will determine whether there are sufficient available funds. This is important as certain transactions, including debit card transactions, may be authorized for payment (via an authorization hold); however, those transactions may still result in an overdraft if the transaction exceeds the account’s available balance when the transaction posts to the account. The fact that an authorization hold was placed on your available balance does not mean the funds are set aside and made available to pay the specific transaction authorized. Rather, the hold is simply a reduction in your available balance based on the fact that we have authorized a transaction and, thus, are obligated to pay the transaction when posted. You are responsible for ensuring your available balance is sufficient to cover all of your transactions. You can review your actual and available balances when you review your account online, at an ATM, by phone, by mobile application, or at a branch. For additional information on your available balance, please review the Courtesy Pay Overdraft Protection and Your Account program description and contact us if you have any questions. Payment Order of Items The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write. When processing items drawn on your account, our policy is to pay them in the order that they are received. The order in which items are paid is important if the available balance in the account is insufficient to pay all of the items that are presented. There is no policy that is favorable in every instance. If the smallest items are paid first, you may have fewer NSF or overdraft fees, but the largest, and perhaps more important items (such as rent or mortgage payments) might not be paid. If an item is presented without an available balance in your account which is sufficient to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). You agree we may charge a Returned Item fee each time an item is presented for payment even if the same item is presented for payment multiple times. The amounts of the overdraft (Courtesy Pay) and NSF (Returned Item) fees are disclosed in our Service Charges. By paying items in the order that we receive them, we think our policy attains a reasonable balance between minimizing additional cost to you and paying your more important items. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts or conducting other transactions when the available balance is insufficient and incurring the resulting fees. Postdated Items We are not liable to you if we clear a postdated check prior to the date on the check. However, if you notify us of a postdated check and provide this notice in time for us to be able to act on it, we will treat your notice as a stop-payment order. We are under no obligation to you to pay a check that is more than six (6) months old unless the check has been certified by us.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless otherwise clearly indicated otherwise to the contrary, any one of you who signs in the space designated for signatures on the account recordssignature card, any of youincluding anyone signing in a representative capacity, acting alone, who signs have the right to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any timetime on forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing on the signature card to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account account, to receive cash, or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge against your account for a check check, even though payment was made before the date of the check, unless we you have received given us written notice of the postdating in time postdating. The fact that we may honor withdrawal requests which overdraws the finally collected account balance does not obligate us to have a reasonable opportunity do so, unless required by law. Withdrawals will first be made from collected funds, and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to actthe contrary. We may reserve the right to refuse any withdrawal or transfer request which you attempt on forms not approved by us, is attempted by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any minimum withdrawal limitationsrequirement, or which exceeds any frequency limitation. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued repeated abuse of the stated limitations state limitation (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate eventually force us to do so laterclose this account. We will use the date the a transaction is completed by us (as opposed to the date day you initiate it) to apply the frequency limitationslimitation. We reserve the right to require you to notify us of your intention to withdraw funds from this account as explained in our bylaws. Additional withdrawal limitation may be disclosed elsewhere. See the funds availability policy disclosure you notice of penalties for information about when early withdrawal. ACH and Wire Transfers – If you can withdraw funds you deposit. For those accounts originate a fund transfer for which our funds availability policy disclosure does not applyFedwire is used, and you can ask us when you make identify by name and number a deposit when those funds will be available for withdrawal. In additionbeneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may place limitation rely on the account until your identity is verifiedidentifying number to make payment. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing rely on the number even if it identifies a financial institution, person or account other than a time depositthe one named. You agree to the bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from any other savings you in the amount credited to your account as defined and the party originating such payment will not be considered to have paid the amount so credited. If we receive a credit to an account you have with us by Regulation D. Withdrawals from a time account prior wire or ACH we are not required to maturity or prior to give you any notice period may be restricted and may be subject to penaltyof the payment order or credit.

Withdrawals. Our banking offices are non-cash facilities Except as provided herein and subject to Exhibit 2 (Transaction Limits) and Section VII(B) (Transfer Limitations), you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to may make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice from your Account up to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse available balance in your Account by any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item means that we have no opportunity make available to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to actyou. We may refuse any a withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw exceeding the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when in your Account even if you make a deposit when those funds will be later in the business day after we refuse your withdrawal request. If your available for withdrawal. In additionbalance is not enough to pay a transaction you make, we may place limitation on assess an insufficient or unavailable funds fee as described in Exhibit 1 (Fee Schedule), regardless of whether we pay the account until your identity is verifiedtransaction. We may allow withdrawals at any time, but reserve the right to require seven (7) days written notice of intention to withdraw funds from your Account if your Account is a negotiable order of withdrawal (NOW) account. You are not less than 7 days’ permitted to make withdrawals from your Account by creating a check drawn on your Account. If you attempt to make any transactions with your Account using a credit, debit, gift or other type of card issued by a third party or another bank or by creating a check drawn on your Account, we may reject and/or return the transaction without notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted you and may consider such action to be a violation by you of this Agreement. Before allowing a transaction, we may request you to provide us with identification, authorization, documentation or other information that we deem necessary. We may refuse a withdrawal if you fail to comply with our request. We may tell you in advance when we are going to refuse a withdrawal request but will not be required to do so. Subject to the terms set forth in Section II(A) (Debit Card) and Exhibit 2 (Transaction Limits), you may also withdraw funds from certain ATMs. Other third-party fees may also apply to out-of-network ATM transactions. Please refer to Section II(A) (Debit Card) and the Fee Schedule for additional information. All withdrawals are subject to penaltylimitations set forth in Exhibit 2 (Transaction Limits) and VII(B) (Transfer Limitations). The amounts of transactional limitations on withdrawals are listed in the attached Exhibit 2 (Transaction Limits).

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on You may request the account records, withdrawal of funds from your Account in any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance amount at any time. Each of Our policy is to pay such withdrawals upon request; however, we are required by federal and state regulations to specifically reserve our right and do hereby reserve our right to require you to give us a seven (until we receive 7) day written notice of your intention to withdraw funds from your savings Account, money market deposit Account, certificate of deposit or negotiable order of withdrawal account (“NOW Account”). All withdrawals are subject to the contrary) authorizes each availability of funds, as described in the Funds Availability Policy section of this Agreement. We may, at our sole discretion, elect to issue the requested withdrawal amount by Official Check or other means in lieu of cash. Each person who signs is authorized to withdraw funds from your Account, as indicated on the Account opening documentation, may withdraw funds under any method available to your Account, as described below. Withdrawals by phone transfer or has authority electronic transfer are subject to make the terms and conditions described elsewhere in this Agreement. As described in your new Account documents in further detail, certain Accounts allow only a limited number of withdrawals per statement cycle or calendar month, and we may charge a fee for transactions exceeding those limits. Moreover, if you exceed the regulatory transaction limitations described in your Account documentation, we may be required to indorse convert your Account to one that is not subject to regulatory limitation. Withdrawals by negotiable instrument may be made only from Money Market Accounts and checking Accounts, and we may refuse payment of any instrument drawn on such an Account other than a negotiable instrument presented upon a form purchased from or approved by us. We do not routinely examine the dates written on items and we are not bound to dishonor any item payable due solely to you the fact that it has been postdated or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require is more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal6 months old. We may charge your account for a check pay items, payment of which have been stopped, after the expiration of the relevant stop payment orders, even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We items may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number be more than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account6 months old. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction Account is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, you have agreed to keep the funds on deposit until the maturity of your Account. If your Account has not matured, any withdrawal of all or part of the funds from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period your Account may be restricted and may be subject to result in an early withdrawal penalty. We will consider requests for early withdrawal and, if granted, the penalty provided in the Receipt of Certificate of Time Deposit will apply.

Withdrawals. Our banking offices are non-cash facilities You may perform and you will not be allowed to withdraw currency at our office locationsauthorize withdrawals from your Account. Unless clearly indicated otherwise on the account records, any Any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word Post-Dated Checks – We are not responsible if we pay a check before its date. If we, at our option, refuse to pay a check before its date, you are responsible for any fees that may be charged. Stale-Dated Checks – A “andstale-dated” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require check is one that is presented for payment more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalsix months after its date. We may charge your account for pay, or refuse to pay, at our option, a check even though payment was made before the date of the stale-dated check. If you don’t want us to pay a stale-dated check, unless we have received written notice you must place a Stop Payment on the Item. Items Resulting from Your Voluntary Disclosure of the postdating in time Your Account Number – If you voluntarily disclose your Account number to have a reasonable opportunity to act. We may refuse any withdrawal another person or transfer request which you attempt on forms not approved by usentity orally, by any method we do not specifically permit, which is greater in number than the frequency permittedelectronically, or which is for an amount greater in writing, or less than any withdrawal limitations. Even if by some other means, and we honor a nonconforming requestdetermine that the context of such disclosure implies your authorization to debit your Account, we may treat such disclosure as your authorization to pay the Item. Restrictive Legends – We are not required to honor any restrictive language on Items presented for payment unless we have expressly agreed in writing to honor your instruction. Check Processing - We may process items mechanically by relying on the information encoded along the bottom of the Items. This means that we may not individually examine all of your Items to determine if it is properly completed, signed and indorsed. You agree that we have not failed to exercise ordinary care solely because we use an automated system to process items and do so laternot inspect all items processed in such a manner. We reserve the right not to inspect each item because using an automated process helps us keep costs down for you and all account holders. We may treat continued abuse determine the amount of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify available funds in your account as for the purpose of deciding whether to return an item for insufficient funds at any time between the times we receive the item and when we return the item or send a transaction accountnotice in lieu of return. If We need only make one determination, but if we reclassify your accountchoose to make a subsequent determination, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so laterat the subsequent time will determine whether there are insufficient available funds. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. Notice of Withdrawal - We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals X. Xxxxxxxxxxx from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal. FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for all checks, drafts, or other orders, that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen you have provided to us. AVAILABLE BALANCE - Your account is “overdrawn” whenever your “Available Balance” is less than zero. An “overdraft request” is a transaction (such as a check, an ATM or POS transaction, an ACH transaction, or other withdrawal, transfer or debit) that is submitted to us for payment when your account is overdrawn or would be overdrawn if we paid the transaction and “posted” it to your account (whether or not we in fact pay it). Your Available Balance includes deposits to your account that have become available for use under KleinBank’s “Funds Availability Policy.” Your Available Balance is reduced by the dollar amount of ATM and debit card transactions we authorize (before the related item is submitted to us for payment and posted to your account) and by other withdrawals and debits we post to your account. We make adjustments to your Available Balance from time to time. For example, we adjust your Available Balance if a check you deposit is returned to us unpaid. Your Available Balance depends on when and how you make deposits. See the “Funds Availability” section of this booklet for a full explanation. When we authorize an ATM or debit card transaction, we are required to complete the transaction when it is presented to us for payment. Therefore, while it generally takes up to five calendar days after we authorize these transactions for them to be submitted to us for payment and posted to your account, we reduce your Available Balance when we authorize them. For debit card transactions, we then adjust your Available Balance if the transaction ultimately presented to us differs from the amount we authorized or was not previously authorized. We also adjust your Available Balance if a debit card transaction we authorized is not submitted to us for payment within one calendar day, and will adjust your Available Balance again if and when the transaction is submitted to us for payment. We reduce your Available Balance for checks, ACH debits, account fees, or other debits at the time they are presented to us for payment. NSF/OVERDRAFTS - We may refer to the fee charged when your account is overdrawn as an “NSF Fee” or “Unavailable Funds Fee.” See our Schedule of Miscellaneous Services and Fees for the amount of the NSF/Overdraft Fee. To avoid NSF/Overdraft Fees, you are responsible at all times for keeping track of all your transactions and making sure your Available Balance is sufficient to cover all your transactions. Subject to the terms of a discretionary overdraft service you have with us, we will charge you an NSF/Overdraft Fee each time: (1) an item is submitted to us for payment from your Account when, at the time of posting, your Account is overdrawn or would be overdrawn if we paid the item (whether or not we in fact pay it); or (2) we return, reverse, or decline to pay an item for any other reason authorized by the Terms and Conditions of your account. For these purposes, an item includes a check, an ATM or debit card transaction, an ACH transaction, or other withdrawal, transfer or debit. Your account is overdrawn if your Available Balance is less than zero. We will charge an NSF/Overdraft Fee as provided in this section regardless of the number of times an item is submitted or resubmitted to us for payment, and regardless of whether we pay the item or return, reverse, or decline to pay the item. We will not authorize ATM and non-recurring debit card (POS) transactions that appear to exceed your Available Balance and any remaining credit you have through a discretionary overdraft service unless you affirmatively consent, or “opt-in” to our authorization and payment of these transactions. We have given you or will give you a separate notice describing this opt-in process. Please note that even if you do opt-in, we do not have to authorize any such transactions. BALANCE BACKUP - Balance Backup is a discretionary overdraft service. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal and one-time Debit Card transactions (if you have authorized us to pay these transactions), recurring Debit Card transactions or other electronic means. We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that you may have, if your eligible account (primarily used for personal and household purposes) is maintained in good standing, which includes at least: (A) continuing to make deposits consistent with your past practices, and depositing at least $500 or more in your account within each thirty (30) day period, (B) you are not in default on any loan obligation to the Bank, and (C) your account is not the subject of any legal or administrative order or levy, we will consider, without obligation on our part, approving your reasonable overdrafts. You should bring your checking account to a positive balance as soon as possible. To keep your account in good standing, you have 30 days to pay an overdraft and associated fees. This discretionary* service may be added or removed at any time. Of course, any and all fees and charges, including without limitation our non-sufficient funds/overdraft fees (as set forth in our fee schedules) will be included in this limit and will apply to any transaction that overdraws your account including, but not limited to, payments authorized by Checks, ACH/Electronic Items, ATM withdrawals and Debit Card transactions (if you have authorized us to pay these transactions), in-person withdrawals, and Online Banking transactions. We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s). LIMITATIONS: Available only to eligible personal checking accounts and sole proprietorships used for personal and household purposes. All other Business Type Accounts, All Savings Type Accounts, and All Public Fund/Charitable Organization Accounts are not eligible. We may limit the number of accounts eligible for Balance Backup Service* to one account per household. Account Type Overdrafts covered up to Elite Money Manager $1,500 Premier Money Manager, Money Manager, Select Checking, Employee Benefit Banking $900** Easy Checking, College Spend $500** TeenSpend $200 **Initial consideration is limited to $200 for the first 30 days. Upon review, the limit for consideration may be increased. *The Balance Backup Service does not constitute an actual or implied agreement between you and the Bank. Nor does it constitute an actual or implied obligation of or by the Bank. This service represents a purely discretionary courtesy or privilege that the Bank may provide to you from time to time and which may be withdrawn or withheld by us at any time without prior notice or reason or cause. STOP PAYMENTS - You must make any stop-payment order in writing or via Online Banking, some limitations apply, and we must receive it in time to give us a reasonable opportunity to act on it. If you do not make your stop payment request in writing or via Online Banking, it will be effective for only 14 days. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee. Your stop payment order is effective for six months on paper items and longer for ACH items. You must renew it prior to the expiration of the stop payment effective period or the item could get paid. We will not notify you when the stop payment effective period ends. Fees may be assessed for placing a stop payment order. You may stop payment on any Item drawn on your account whether you sign the Item or not. A release of the stop payment request may be made by any account holder. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). INACTIVE AND DORMANT ACCOUNTS – Your account will be coded as inactive if it has gone more than 12 months without a customer generated deposit or withdrawal. Your account will be coded as dormant if it has gone more than 24 months without a customer generated deposit or withdrawal. The coding of your account as inactive or dormant will result in a statement being produced on an annual basis on December 31 for savings accounts and January 1 for checking accounts. Fees may be assessed for inactive and dormant accounts.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless otherwise clearly indicated otherwise to the contrary, any one of you who signs in the space(s) designated for signatures on the signature card or account recordsapplication, including any of yourepresentative agents, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any timetime on the forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority signing on the signature card to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge against your account for a check check, even though payment was made before the date of the check, unless we you have received given us prior written notice of the postdating postdating. The fact that we may honor withdrawal requests which overdraw the finally collected account balance does not obligate us to do so, unless required by law. Withdrawals will be in time the order that items are presented to have a reasonable opportunity us and will first be made from collected funds and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds even if our general practice is to actthe contrary. We may reserve the right to refuse any withdrawal or transfer request which you attempt on forms not approved by us, is attempted by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any minimum withdrawal limitationsrequirement, or which exceeds any frequency limitation. Even if we honor a nonconforming non-confirming request, we are not required to do so later. We may treat continued repeated abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate eventually force us to do so laterclose this account. We will use the date the a transaction is completed by us (as opposed to the date day you initiate it) to apply the frequency limitations. We reserve the right to require you to notify us of your intention to withdraw shares or deposits from this account as explained in our bylaws. OWNERSHIP OF ACCOUNT & BENEFICIARY DESIGNATION - Ownership and beneficiary designation of this account is governed by the Membership Agreement for the membership used to establish this account. DEPOSITS - Any items, other than cash, that are accepted for deposit (including items drawn “on us”) will be given provisional credit only until collection is final (and actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars). All transactions received after our “daily cut-off time” on a normal business day we are open or received on a day in which we are not open for business will be treated and recorded as if initiated on the next following business day that we are open. See the funds availability policy disclosure Funds Availability Disclosure below for additional information about when deposits made to your account. DIVIDENDS - We are prohibited by law from guaranteeing the payment of dividends or that dividends we do pay will be at the disclosed rate. We must base our dividend payments to you can withdraw funds you depositupon the money we actually earn and that is available for distribution at the end of a dividend period. For those accounts for which our funds availability policy disclosure does not applyMONEY MARKET SHARE DRAFTS - Unless otherwise agreed, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity waive any right to receive any original item after it is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltypaid.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. You agree that we may charge fees for overdrafts and use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. If we are presented with an item drawn against your account that would be a “substitute check,” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals You may withdraw or transfer all or any part of the account balance of your Account at any time. Each You are solely responsible for the tax treatment of any withdrawals from the Account, whether made by Check, Debit Card or third party transfer from your Account. If available on your Account, we may provide you (until we receive written notice or an authorized user with Checks to the contrary) authorizes each other person who signs enable you or has authority an authorized user to make withdrawals withdrawals. You understand that we will not return original Checks to indorse you. Processed Check images will be made available to you on our Web site. We are not responsible for actions taken by other banks, or for the loss or destruction of any item payable Checks, drafts or other instruments in the possession of other banks or in transit. We may return unpaid any Check on your Account which is not on a form we provided to you or an authorized user, or which is presented to us before its date. We will not be responsible for paying or certifying postdated Checks on Accounts. You may ask us in writing to stop payment on a Check drawn on your order for deposit to this account or any other transaction with Account which has not yet been paid by us. Using We will honor any written stop payment request from you which is received by us at least two business days before the word “and” Check is presented to connect us for payment. The stop payment order must specify the names exact amount of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree thatCheck, as to any item that we have no opportunity to examine the signaturespayee, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the checkCheck, unless we have received written notice the number of the postdating in time to have a reasonable opportunity to actCheck and your Account number. We will honor the stop payment request for six months. If available on your Account, you also may refuse request us to issue a Debit Card to you and to any withdrawal or transfer request which you attempt authorized user on forms not approved by us, by any method we do not specifically permitthe Account, which will enable you and such authorized user to pay for purchases from your Account. You authorize us to debit your Account to pay for transactions made with your Debit Card or a Debit Card issued to an authorized user on your Account. You agree that in addition to this Agreement, the use of a Debit Card by you or any authorized user on your Account is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees terms and earnings rules conditions of the new account classificationCard Agreement which has been provided to you and which is incorporated herein by reference. The fact Unless otherwise directed by you in accordance with the notice provisions herein below, we will, where applicable, withdraw required payment amounts from the balance in your Account and apply such amounts to any line of credit granted to you by us in accordance with your election under such line of credit agreement. This authorization shall remain in effect until revoked at any time by you by giving ten (10) days prior written notice to Bank at OptumHealth Bank, XX Xxx 000000, Xxxx Xxxx Xxxx, Xxxx 00000-0000. You understand that we may honor withdrawal requests continue to make required line of credit payments pursuant to this authorization until expiration of said ten (10) day notice period. THIRD-PARTY TRANSFERS You may authorize us, from time to time, on your behalf, to make transfers of funds to third parties in the amounts specified by you, and to debit your Account for the amount of each such payment we make. You understand we will also debit your Account for the applicable service charge which is then in effect, and which we may change from time to time. You understand that overdraw the available account balance does not obligate us to do so laterin performing this service, we will make these payments by Check or draft, and that we will be acting as your agent in making such payments. We will use the date the transaction is completed not be liable for any errors or delays in making any such payment, except for errors or delays caused by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time depositgross negligence, or from for our inability to make any other savings account as defined by Regulation D. Withdrawals from a time account prior payment due to maturity circumstances beyond our control or prior if there are insufficient funds in your Account with which to any notice period may be restricted and may be subject to penaltymake the payment.

Withdrawals. Our banking offices Electronic deposits to your DriveWealth account via ACH will typically take 1-4 Business Days to clear. ACH deposits must remain in your account for a minimum of nine (9) calendar days after the funds clear prior to being able to withdraw. Other restrictions may apply if fraud or other potential anti- money laundering concerns are nonraised. You may withdraw money from an Individual Account by initiating a withdrawal request through the Platform at any time. If you have any issues contact Stackin at (000) 000-cash facilities 0000 or by sending an e-mail to xxx@xxxxxxxxxxxx.xxx at any time. You acknowledge and agree that, notwithstanding anything to the contrary in any agreement governing your participation in the Program, including this Advisory Agreement, you will not be allowed able to withdraw currency at our office locationsrequest withdrawals, or sales, unless and until you successfully connect a bank account, by default your Funding Account to your Stackin Account. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals You agree and acknowledge that there may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require be no more than one bank account connected to your Stackin Account for withdrawal purposes unless otherwise permitted by Stackin. For the avoidance of doubt, although you may be permitted to authorize contribute funds to your Stackin Account via a withdrawal. Such a restriction must debit arrangement, you will not be explicitable withdraw funds from your Stackin Account via such method. You agree that, as by requesting a withdrawal, you authorize Stackin to place an order with the Broker and/or Custodian on your behalf to sell the securities in your Stackin Account at the time(s). You agree and acknowledge that any item withdrawal, or transfer from your Stackin Account, and/or sales of securities, may not be cancelled following the initiation, authorization, and/or direction of such transaction. Stackin will undertake good faith efforts to place the orders for such sales on the Business Day you request a withdrawal, but you acknowledge and agree that we have no opportunity such orders may be placed at any time within two Business Days after your request. Any withdrawal you initiate will be sent to examine the signaturesACH Operator. You agree that, such as an electronic check conversion transaction where by requesting a check withdrawal, you authorize the ACH Operator to request that the Custodian transfer the proceeds of the applicable sales in the amount you request (or similar item is converted into an electronic fund transfer less if the money remaining in your Stackin Account after deducting any Stackin Fee (as defined in below) or other fee due is less) to your bank account. You acknowledge and agree that the Electronic Fund Transfers regulation, you waive any requirement Custodian will not initiate a transfer of multiple signatures for withdrawal. We may charge your account money for a check even though payment was made before withdrawal until the date Business Day after the last applicable sale for such withdrawal has settled and that it may take up to seven to ten Business Days after the Custodian initiates a transfer of money for the check, unless we have received written notice proceeds of a withdrawal to arrive at the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction destination account. If we reclassify your account, your account will be subject to You further acknowledge and agree that Stackin and the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We Custodian may require not less than 7 days’ notice in writing additional information from you before each effecting any withdrawal, and that such requested withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltydelay or cancellation in the event that you do not timely provide such additional information.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals You may withdraw or transfer all or any part of the account balance of your Account at any time. Each You are solely responsible for the tax treatment of any withdrawals from the Account, whether made by Check, Debit Card or third party transfer from your Account. If available on your Account, we may provide you (until we receive written notice or an authorized user with Checks to the contrary) authorizes each other person who signs enable you or has authority an authorized user to make withdrawals withdrawals. You understand that we will not return original Checks to indorse you. Processed Check images will be made available to you on our Web site. We are not responsible for actions taken by other banks, or for the loss or destruction of any item payable Checks, drafts or other instruments in the possession of other banks or in transit. We may return unpaid any Check on your Account which is not on a form we provided to you or an authorized user, or which is presented to us before its date. We will not be responsible for paying or certifying postdated Checks on Accounts. You may ask us in writing to stop payment on a Check drawn on your order for deposit to this account or any other transaction with Account which has not yet been paid by us. Using We will honor any written stop payment request from you which is received by us at least two business days before the word “and” Check is presented to connect us for payment. The stop payment order must specify the names exact amount of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree thatCheck, as to any item that we have no opportunity to examine the signaturespayee, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the checkCheck, unless the number of the Check and your Account number. We will honor the stop payment request for six months. If available on your Account, you also may request us to issue a Debit Card to you and to any authorized user on the Account, which will enable you and such authorized user to pay for purchases from your Account. You authorize us to debit your Account to pay for transactions made with your Debit Card or a Debit Card issued to an authorized user on your Account. You agree that in addition to this Agreement, the use of a Debit Card by you or any authorized user on your Account is subject to the terms and conditions of the Card Agreement which has been provided to you and which is incorporated herein by reference. Unless otherwise directed by you in accordance with the notice provisions herein below, we will, where applicable, withdraw required payment amounts from the balance in your Account and apply such amounts to any line of credit granted to you by us in accordance with your election under such line of credit agreement. This authorization shall remain in effect until revoked at any time by you by giving ten (10) days prior written notice to Bank at OptumHealth Bank, XX Xxx 000000, Xxxx Xxxx Xxxx, Xxxx 00000-0000. You understand that we may continue to make required line of credit payments pursuant to this authorization until expiration of said ten (10) day notice period. THIRD-PARTY TRANSFERS You may authorize us, from time to time, on your behalf, to make transfers of funds to third parties in the amounts specified by you, and to debit your Account for the amount of each such payment we make. You understand we will also debit your Account for the applicable service charge which is then in effect, and which we may change from time to time. You understand that in performing this service, we will make these payments by Check or draft, and that we will be acting as your agent in making such payments. We will not be liable for any errors or delays in making any such payment, except for errors or delays caused by our gross negligence, or for our inability to make any payment due to circumstances beyond our control or if there are insufficient funds in your Account with which to make the payment. INSUFFICIENT BALANCE You must maintain a balance in your Account which is sufficient to cover all Checks you write, Debit Card transactions you make, and transfers you authorize us to make on your behalf. If there are insufficient funds in your Account to cover any such Check or Debit Card transaction or transfer, we may refuse to honor the Debit Card transaction or transfer, or return the Check without paying it, as the case may be. If we make a transfer or pay a Check or Debit Card transactions against insufficient funds or uncollected balances, you agree, promptly on demand, to pay to us the amount by which the Check exceeds the funds in your Account. You may be charged interest at our rates in effect from time to time on the insufficient balance for each day it is outstanding, and the fee specified on our Schedule of Fees. You authorize us to liquidate Investments, at our discretion, to cover any insufficient funds in your Account. ELECTRONIC SIGNATURES In the event that we have received written notice your electronic signature in connection with your Account Application, we may rely on such electronic signature for purposes of the postdating in time your authorization of withdrawals or third party transfers, your notices to have a reasonable opportunity change your name or address or your other instructions to actus. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so laterobtain your physical signature for such purposes or any other purpose, except as may be required by law. OTHER INFORMATION AND CHANGE OF NAME OR ADDRESS Subject to ordinary care and usual practices, we are entitled to rely upon information we receive with respect to your HSA, including the information contained in the Application, and have no obligation to make further investigation, except as required by law. You agree to notify us promptly, in writing, if you change your name or address by calling customer service and requesting an address change form. You agree to immediately notify us of any changes in the information provided to us that we rely on in connection with your Account. You agree to provide us with any necessary information we may need to prepare reports required by the Code or other laws and regulations. CHANGES IN THIS AGREEMENT The rights, duties and obligations of both you and us with regard to your HSA are governed by this Agreement and the Card Agreement, as they may be amended from time to time. We may treat continued abuse amend this Agreement at any time. We will provide prior notice of the stated limitations (if any) as your act of closing the account, or any amendments when we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us are required to do so laterby law. We will use Additionally, the date Bank, reserves the transaction right to assign your HSA without your prior consent, provided that such assignee is completed by us (qualified under the Code to be an HSA custodian or trustee. Upon any assignment of this Agreement, the assignee shall automatically become custodian of the Account if it is qualified under the Code, to serve as opposed to the date you initiate it) to apply the frequency limitationsan HSA custodian or trustee. See the funds availability policy disclosure You acknowledge that such assignment may result in loss of FDIC insurance coverage for information about when you can withdraw funds you deposit. For those accounts any HSA balances for which our funds availability policy disclosure does not apply, you can ask us when you make such assignee becomes a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, custodian or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltytrustee.

Withdrawals. Our banking offices are non-cash facilities and you will not The number of transfers from accounts may be allowed limited as described in the Depository Agreement or other Account Disclosures relating to withdraw currency at our office locationsyour account(s). Unless clearly indicated otherwise on the account records, If any of youyour accounts are savings, acting alonemoney market or similar investment accounts, who signs certain types of withdrawals from those accounts, including payments and transfers, are limited to open the account a total of no more than 6 in a calendar month. Withdrawals covered by this limitation are ones made by means of pre-authorized transfer, automatic transfer, or has authority to make payments arranged by telephone request. A total of only 3 of these types of withdrawals may withdraw be made by check, draft, debit card, or similar order payable to third parties. Each payment or transfer all through E-Banker from a savings, money market, or any part similar investment account is counted as one of the account balance at any six limited transfers permitted each statement period. If you exceed these limitations, you agree to the excessive withdrawal fees disclosed in Depository Agreement or other Account Disclosures as may be amended from time to time. Each of STOP PAYMENT REQUESTS You may initiate stop payment requests via E-Banker only for paper checks you have written or initiated through E-Pay (until we receive written notice to the contraryOnline Bill Payment Service) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or on your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicitFirst Bank & Trust Co. accounts. You agree that, as to may not stop payment on any item that we have no opportunity to examine electronic payment initiated through First Bank & Trust Co.’s Bill Payment Service. Online stop payment requests are processed the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in business day following the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though date the stop payment request was made before online. To be effective, this type of stop payment request must precisely identify the name of the payee, the check number, the amount and the date of the check, unless we have received written notice . You understand that the described check information must be complete and accurate in order to identify the check and stop payment. Stop payment requests must precisely identify the name of the postdating payee, the check number, the amount, and the date of the check. You should review your previous statements and current transaction history to verify that the check you wish to stop has not been paid yet. First Bank & Trust Co. will not be responsible for stop payment orders placed on paid checks. You agree to hold the Bank harmless for the amount of the check, and all costs, expenses, damages and attorney’s fees incurred due to refusal to pay the check. You further agree not to hold the Bank liable for payment contrary to this request if payment is made through inadvertence or accident notwithstanding use of ordinary care. Stop payment requests must be received in time to have provide the Bank a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than period of time following the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse execution of the stated limitations (if any) as stop payment order to implement necessary internal administrative procedures before the order becomes effective. When you make your act of closing stop payment request online or by telephone, the accountorder is effective and binding for only 14 days unless confirmed in writing within that period. You may use E-Banker’s Stop Payment Confirmation form for this purpose. You should print and sign the form, or we may at our option reclassify your account as a transaction accountand forward it to First Bank & Trust Co., P.O. Box 580, Duncan, OK 73534-0580. If we reclassify your account, your account will be subject to Your written stop payment request is effective for 6 months from the fees and earnings rules date of the new account classificationstop request. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We You will use the date the transaction is completed by us (incur stop payment charges as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice disclosed in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account First Bank & Trust Co.’s Fee Schedule as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject amended from time to penaltytime.

Withdrawals. Our banking offices You may withdraw part or all of your account’s available balance. Any account owner of a joint account may withdraw all or part of the available balance in the account, regardless of who deposited the funds into the account. We accept no responsibility or obligation, except as required by law, to supervise or review the use of your account. Restrictions on Withdrawals. All payments from your account must be drawn in U.S. dollars. We may (but are non-cash facilities not obligated to) require suitable identification and/or presentation of account ownership records for any withdrawal or account closure. We expressly disclaim a duty to enforce multiple signature requirements. As such, we expressly disclaim a duty to confirm that two or more (or any combination) of owners have approved any transaction. We may act upon the instructions or order of any one owner. However, at our discretion, we may require all of your signatures for the withdrawal of funds and/or the closing of any account. Without prior written notice to you, we may place a hold on your account to cover a claim against your account under this Agreement or otherwise, or we may pay the source of the claim when we receive any notice, claim, or court order which we believe may affect your account (such as liens, garnishments, attachments, levies, injunctions, or other orders of a court or other governmental agency), regardless of the form or manner in which we receive the notice, claim, or court order and you regardless of whether we are a named party to the notice, claim, or court order. You understand and agree that the decision by us to take certain actions, including placing holds on or limiting access to your account may be based on confidential criteria that are essential to risk management or security concerns. We are not under any obligation to disclose the details of our risk management or security procedures to you. Hold on your funds due to misconduct, security concerns or breach of this Agreement may extend up to ninety (90) days and in some unforeseen circumstances longer. We will not be allowed responsible for refusing to let you withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open funds from the account or has refusing to pay items presented against your account while the hold is in effect or after we have paid funds to the source of the claim. Conflicting Demands/Disputes. If there is any controversy, dispute or uncertainty regarding the ownership of an account or its funds, there are conflicting demands over its ownership or control, we are unable to determine any person’s authority to make withdrawals give us instructions, or we believe a transaction may withdraw be fraudulent or transfer all may violate any law, we may, in our sole discretion, refuse to pay any funds to anyone until we are satisfied that the controversy, dispute or any part uncertainty is resolved, or we may continue to honor the authority of account owners and authorized signers as reflected on our records. Specifically, we may, in our sole discretion: (1) freeze the account balance at any time. Each of you (and refuse transactions until we receive written notice proof (in form and substance satisfactory to us) of each person’s right and authority over the contraryaccount and its funds; (2) authorizes each other person who signs refuse transactions and return checks, marked “Refer to Maker” (or has authority to make withdrawals to indorse any item payable to you or your order similar language); (3) require the signatures of all owners and/or authorized signers for deposit to this account the withdrawal of funds, the closing of an account, or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries change in the account title regardless of the number of owners and/or authorized signers on the account; (4) pay or elsewhere offer to pay the account balance to a court of appropriate jurisdiction, naming all of the claimants to the account as defendants in an interpleader action (you agree to reimburse us for all expenses we incur in an interpleader action, including attorney’s fees and costs, and we may obtain reimbursement of those expenses from your account without notice to you); and/or (5) continue to honor checks and other instructions given to us by persons who appear as owners or authorized signers according to our records. The existence of the rights set forth above shall not impose an obligation on us to assert such rights or to deny a transaction. We will not be responsible for any damages you may suffer as a result of our refusal to allow you or anyone else to withdraw funds due to the controversy, dispute or uncertainty or our allowing any existing owner or authorized signer to continue to conduct transactions on the account during the controversy, dispute or uncertainty. Legal Process We may comply with any writ of attachment, execution, garnishment, tax levy, restraining order, subpoena, warrant or other legal process which we believe (correctly or otherwise) does to be valid. We may not pay interest on any funds we hold or set aside in itself require more than one of you response to authorize a withdrawal. Such a restriction must be explicitlegal process. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests legal process that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed served personally, by us mail, or by facsimile transmission at any of our offices (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account including locations other than a time depositwhere the funds, records or from any other savings property sought is held), even if the law requires personal delivery at the office where your account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and records are maintained. You acknowledge that accounts opened with trust or fiduciary designations (e.g., “XYZ, Inc. Client Trust Account”) may be subject to penaltylevies and other legal process against your property unless our records clearly reflect the existence of an express written trust or court order.

Withdrawals. Our banking offices are What checks will we cash? We may cash checks payable to the owner of the account when endorsed by any signer. If you ask us to cash a check for you, we may use the proceeds in the manner discussed in the section below entitled "Under what circumstances can we offset your account(s) against a debt you owe us?" Can we cash checks you write to non-customers? If you issue a check drawn on your account and a person who is not our customer seeks to cash facilities it at one of our branches, you agree, to the extent permitted by law, we may charge the non-customer a fee as a condition of cashing the check. We may charge the fee without prior notice to you and you for items that are drawn on your account or that we have issued at your request. You also agree that (i) we may require the non-customer to provide additional identification and/or comply with any other security measures we may impose; and (ii) we will not be allowed liable for wrongful dishonor for refusing to withdraw currency at cash the check if the non-customer refuses to pay the fee or comply with our office locations. Unless clearly indicated otherwise security measures (i.e., affixing a fingerprint on the check). Where can you order checks, deposit slips and other forms? You must obtain all checks, withdrawal forms, and deposit slips either from us or adhere to the specifications set forth by us. You are responsible for verifying the accuracy of all information on these items. We will not be responsible or liable for any loss or damage you sustain from the use of checks or forms not obtained through us. What is an electronic check? Certain businesses may convert checks you give them into electronic debits and then sends us an electronic debit for the transaction amount. When we receive the electronic debit from the business, we charge it to your account. This electronic debit may be processed immediately after the business enters the transaction, so your right to stop payment could be reduced and you could incur an overdraft if your account records, any of you, acting alone, who signs does not have sufficient funds to open cover the account or has authority to make withdrawals may withdraw or transfer all or any part amount of the account balance check at any timethe time you write the check or authorize the transaction. Each The check is not sent to us, and therefore we do not have a copy of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we check and have no opportunity to review the check to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in signatures on the Electronic Fund Transfers regulationitem. You agree that for any items we do not have the opportunity to examine, you waive any requirement to verify signatures. All electronic debits will be listed on your account statement. How do we process and examine checks? We process items electronically, using software which "reads" the checks. As a result, we do not individually examine all of multiple your items for dates, maker signatures, legends or endorsements (including restrictive endorsements, such as "two signatures required" or "must be presented within 90 days") to determine if an item is properly completed, signed and endorsed or to determine if it contains any information other than what is encoded in magnetic ink. You agree we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner, and we are not responsible for any losses or damages you sustain resulting from our failure to abide by restrictive endorsements. If you need to make a large cash withdrawal, do you need to notify us? We may require prior notice for large cash withdrawals. We can refuse an order to withdraw funds in cash or to cash an item if we believe the request is a security risk or if it would cause a hardship on us. We may require you to accept an official check or electronic transfer to receive the funds. If we agree to a large cash withdrawal, you may be required to employ a courier service acceptable to us in our sole discretion and at your sole risk and expense. Can we pay postdated checks? A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, you agree to waive any right you may have under the Uniform Commercial Code to give us notice of a postdated check and agree we shall not be liable for paying a postdated check before the date of the check, even if you give us reasonable notice prior to payment of the check. If you do not want us to pay a postdated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we pay stale dated checks? We are not obligated to, but may at our option, pay or accept a check, other than an official check, presented for payment more than six (6) months after its date. If you do not want us to pay a stale-dated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we send you electronic notice of unpaid items in lieu of your check? If we decide not to pay a check or other item drawn on your account, we may place limitation on return the original, an image or a copy of the item or we may send an electronic notice of return. If we send an electronic notice of return, you agree any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect as if we had returned the original item. Under what circumstances can we offset your account(s) against a debt you owe us? We may (without prior notice and when permitted by law) setoff funds in any or all of your South State accounts to repay any debt or obligation you owe to us, regardless of the source of funds in an account. Our right to setoff funds in your accounts includes the right to apply part or all of the funds in your account until your identity is verifiedfor the satisfaction of any debt owed to us. We may require not less than 7 days’ notice in writing before each charge an early withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals penalty on the funds that are set off from a time deposit account. Our right of setoff does not apply to fiduciary accounts or where otherwise prohibited by law. We will have no liability for dishonoring items presented against your account prior when the exercise of our right of setoff results in non-sufficient funds in your account. You agree to maturity or prior to hold us harmless from any notice period may be restricted and may be subject to penaltyclaim arising as a result of our exercise of our right of setoff.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account Online Account records, any of you, acting alone, who signs to open the account Online Account and is therefore an Online Account owner, or who otherwise has authority from an Online Account owner to make withdrawals withdrawals, may withdraw or transfer all or any part of the account Online Account balance at any time, subject to any withdrawal limitations that may be placed on the Online Account. Each of you (until we receive written notice to the contrary) authorizes each other person who signs is an Online Account owner or otherwise has authority from an Online Account owner to make withdrawals to indorse endorse any item payable to you or your order for deposit to this account Online Account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signaturessignatures on, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund funds transfer as defined in the federal Electronic Fund Transfers regulationFunds Transfer Act ("EFTA"), and Federal Reserve Board Regulation E as promulgated pursuant to the EFTA, you waive any requirement of multiple signatures for withdrawal. We may charge your account Online Account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which that you attempt on forms not approved by us, by any method we do not specifically permit, which that is greater in number than the frequency permitted, or which that is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so laterOnline Account. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitationslimitations allowed for each account type. The fact that we may honor withdrawal requests that overdraw the available Online Account balance does not obligate us to do so later. You agree that we may charge fees for overdrafts and use subsequent deposits, including direct deposits of Social Security or other government benefits, to cover such overdrafts and overdraft fees. If we are presented with an item drawn against your Online Account that would be a "substitute check," as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. See the funds availability policy disclosure Funds Availability Disclosure for information about when you can withdraw funds you deposit. For those accounts Online Accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 seven (7) days’ ' notice in writing before each withdrawal from an interest-bearing account other than a time depositdeposit (e.g. CD account), or from any other savings account as defined by Regulation D. Withdrawals X. Xxxxxxxxxxx from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See Xxxx Bank's Truth in Savings Disclosure, available at xxx.xxxxxxxx.xxx, for your notice of penalty for early withdrawal.

Withdrawals. Our banking offices All requests for withdrawal must be in writing on a form provided by or acceptable to us. The method of distribution must be specified in writing. The tax identification number of the recipient must be provided to us before we are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority obligated to make a distribution. Any withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to all applicable tax and other laws and regulations, including possible early withdraw- al penalties and withholding requirements. We reserve the fees right to reasonably restrict the frequency and/or minimum amount of distributions. Transfer from Other Plans. We can receive amounts transferred to your HSA from the custodian or trustee of another HSA or Medical Savings Account. However, we also reserve the right not to accept any transfer. Liquidation of Assets. We have the right to liquidate assets in your HSA if necessary to make distributions or to pay fees, expenses, or taxes properly chargeable against your HSA. If you fail to direct us to which assets to liquidate, we will decide in our complete and earnings rules sole discretion, and you agree not to hold us liable for any adverse consequences that result from our decision. Restrictions on the Fund. Neither you nor any beneficiary may sell, transfer, or pledge any interest in your HSA in any manner whatsoever, except as provided by law or this Custodial Agree- ment. The assets in your HSA will not be responsible for the debts, contracts, or torts of any person entitled to distributions under this Custodial Agreement. What Law Applies. This Custodial Agreement is subject to all applicable federal and state laws and regulations. If it is necessary to apply any state law to interpret and administer this Custodial Agreement, the law of the new account classificationState of Connecticut will govern. The fact that we may honor withdrawal requests that overdraw If any part of this Custodial Agreement is held to be illegal or invalid, the available account balance does remaining parts will not obligate us be affected. Neither your nor our failure to do so laterenforce at any time or for any period of time any of the provisions of this Custodial Agreement will be construed as a waiver either of such provisions or of your or our right thereafter to enforce each and every such provision. We Identifying Number. Your social security number will use serve as the date the transaction identification number of your HSA. If you are married and your spouse is completed by us (as opposed eligible to the date you initiate it) open an HSA and wants to apply the frequency limitationscontribute to an HSA, he or she must establish his or her own account. See the funds availability policy disclosure An employer identification number is required only for information about when you can withdraw funds you deposit. For those accounts an HSA for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available return is filed to report unrelated business taxable income. An em- ployer identification number is required for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltycommon fund created for HSAs.

Withdrawals. Our banking offices are non-cash facilities You may withdraw money from a Custodial Account by initiating a withdrawal request through the Platform at any time. You acknowledge and agree that, notwithstanding anything to the contrary in any agreement governing your participation in the Program, including this Advisory Agreement, you will not be allowed able to withdraw currency at our office locationsrequest withdrawals, or sales, unless and until you connect a bank account to your EarlyBird Account. Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals You agree and acknowledge that there may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require be no more than one of you other bank account connected to authorize a withdrawal. Such a restriction must be explicityour EarlyBird Account for withdrawal purposes unless otherwise permitted by EarlyBird. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where by requesting a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulationwithdrawal, you waive any requirement of multiple signatures for withdrawalauthorize EarlyBird to place an order with the Broker and/or Custodian on your behalf to sell the securities in your EarlyBird Account at the time(s) and in amounts calculated by EarlyBird’s portfolio management system. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse You agree and acknowledge that any withdrawal or transfer from your EarlyBird Account, and/or sales of securities, may not be cancelled following the initiation, authorization, and/or direction of such transaction. EarlyBird will undertake good faith efforts to generate and place the orders for such sales on the Business Day you request which a withdrawal, but you attempt on forms not approved by usacknowledge and agree that such orders may be placed at any time within five Business Days after your request. Any withdrawal request you initiate will be sent to the ACH Operator. You agree that, by any method we do not specifically permitrequesting a withdrawal, which is greater you authorize the ACH Operator to request that the Custodian transfer the proceeds of the applicable sales in number than the frequency permitted, or which is for an amount greater you request (or less than if the money remaining in your EarlyBird Account after deducting any EarlyBird Fee (as defined below) or other fee due is less) to your bank account. You acknowledge and agree that the Custodian will not initiate a transfer of money for a withdrawal until the Business Day after the last applicable sale for such withdrawal has settled and that it may take up to seven to ten Business Days after the Custodian initiates a transfer of money for the proceeds of a withdrawal to arrive at the destination account. You further acknowledge and agree that EarlyBird and the Custodian may require additional information from you before effecting any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor such requested withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltydelay or cancellation in the event that you do not timely provide such additional information. EarlyBird and the Custodian reserve the right to permit cash withdrawals to other sources as they may mutually agree and to the extent permitted by applicable law. Any such cash withdrawal methods may be subject to additional terms and conditions, which will be disclosed to you. Ancillary fees associated with cash withdrawals to sources other than ACH transfer from the Custodian are listed in A ttachment A, which fees shall be charged to the Client and shall be in addition to the EarlyBird Fee. You acknowledge that if you are permitted to withdraw, and do withdraw, an amount below the value at which such ancillary fee converts to a variable pricing model, the ancillary fee is charged as a fixed fee that does not vary based on the amount of your withdrawal, and accordingly, the overall withdrawal fee paid may be disproportionately high relative to the amount of your withdrawal. In such case, you further represent and warrant, and have determined, that the ancillary fee is reasonable irrespective of your withdrawal amount.

Withdrawals. Our banking offices are What checks will we cash? We may cash checks payable to the owner of the account when endorsed by any signer. If you ask us to cash a check for you, we may use the proceeds in the manner discussed in the section below entitled "Under what circumstances can we offset your account(s) against a debt you owe us?" We do not cash checks made payable to a business or corporation. Can we cash checks you write to non-customers? If you issue a check drawn on your account and a person who is not our customer seeks to cash facilities it at one of our branches, you agree, to the extent permitted by law, we may charge the non-customer a fee as a condition of cashing the check. We may charge the fee without prior notice to you and you for items that are drawn on your account or that we have issued at your request. You also agree that (i) we may require the non-customer to provide additional identification and/or comply with any other security measures we may impose; and (ii) we will not be allowed liable for wrongful dishonor for refusing to withdraw currency at cash the check if the non-customer refuses to pay the fee or comply with our office locations. Unless clearly indicated otherwise security measures (i.e., affixing a fingerprint on the check). Where can you order checks, deposit slips and other forms? You must obtain all checks, withdrawal forms, and deposit slips either from us or adhere to the specifications set forth by us. You are responsible for verifying the accuracy of all information on these items. We will not be responsible or liable for any loss or damage you sustain from the use of checks or forms not obtained through us. What is an electronic check? Certain businesses may convert checks you give them into electronic debits and then sends us an electronic debit for the transaction amount. When we receive the electronic debit from the business, we charge it to your account. This electronic debit may be processed immediately after the business enters the transaction, so your right to stop payment could be reduced and you could incur an overdraft if your account records, any of you, acting alone, who signs does not have sufficient funds to open cover the account or has authority to make withdrawals may withdraw or transfer all or any part amount of the account balance check at any timethe time you write the check or authorize the transaction. Each The check is not sent to us, and therefore we do not have a copy of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we check and have no opportunity to review the check to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in signatures on the Electronic Fund Transfers regulationitem. You agree that for any items we do not have the opportunity to examine, you waive any requirement of multiple to verify signatures. All electronic debits will be listed on your account statement. How do we process and examine checks? We process items electronically, using software which "reads" the checks. As a result, we do not individually examine all your items for dates, maker signatures, legends, or endorsements (to determine if an item is properly completed, signed, and endorsed or to determine if it contains any information other than what is encoded in magnetic ink. Therefore, we cannot operationally support restrictions placed on items including but not limited to "two signatures required" or "must be presented within 90 days" (collectively referred to as "Restrictions").You agree we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner, and we are not responsible for any losses or damages you sustain resulting from our failure to abide by Restrictions. If you need to make a large cash withdrawal, do you need to notify us? We may require prior notice for large cash withdrawals. We can refuse an order to withdraw funds in cash or to cash an item if we believe the request is a security risk or if it would cause a hardship on us. We may require you to accept a cashier’s check or electronic transfer to receive the funds. If we agree to a large cash withdrawal, you may be required to employ a courier service acceptable to us in our sole discretion and at your sole risk and expense. Can we pay postdated checks? A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, you agree to waive any right you may have under the Uniform Commercial Code to give us notice of a postdated check and agree we shall not be liable for paying a postdated check before the date of the check, even if you give us reasonable notice prior to payment of the check. If you do not want us to pay a postdated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we pay stale dated checks? We are not obligated to, but may at our option, pay or accept a check, other than a cashier’s check, presented for payment more than six (6) months after its date. If you do not want us to pay a stale-dated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we send you electronic notice of unpaid items in lieu of your check? If we decide not to pay a check or other item drawn on your account, we may place limitation on return a substitute check, an image or a copy of the item or we may send an electronic notice of return. If we send an electronic notice of return, you agree any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect as if we had returned the original item. Under what circumstances can we offset your account(s) against a debt you owe us? We may (without prior notice and when permitted by law) offset funds in any or all of your SouthState accounts to repay any debt or obligation you owe to us, regardless of the source of funds in an account. Our right to offset funds in your accounts includes the right to apply part or all of the funds in your account until your identity is verifiedfor the satisfaction of any debt owed to us. We may require not less than 7 days’ notice in writing before each charge an early withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals penalty on the funds that are offset from a time deposit account. Our right of offset does not apply to fiduciary accounts or where otherwise prohibited by law. We will have no liability for dishonoring items presented against your account prior when the exercise of our right of offset results in non-sufficient funds in your account. You agree to maturity or prior to hold us harmless from any notice period may be restricted and may be subject to penaltyclaim arising as a result of our exercise of our right of offset.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Generally - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using Postdated checks - A postdated check is one which bears a date later than the word “and” to connect date on which the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalwritten. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. Because we process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number, date, amount and payee of the item. Checks and withdrawal rules - If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, us or by any method we do not specifically permit, . We may refuse any withdrawal or transfer request which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. In addition, we may place limitations on the account until your identity is verified. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of If you violate the stated transaction limitations (if any) as your act of closing the account), or in our discretion we may at our option reclassify close your account or reclassify it as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact If we are presented with an item drawn against your account that would be a “substitute check,” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitationspay such item. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. An item may be returned after the funds from the deposit of that item are made available for withdrawal. In additionthat case, we may place limitation on will reverse the account until your identity is verifiedcredit of the item. We may require determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between the time we receive the item and when we return the item or send a notice in lieu of return. We need only make one determination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds. A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money, which may be more than the actual amount of your purchase. When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase. This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of your purchase, but it may be up to three days before the adjustment is made. Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold. If another transaction is presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, that transaction will be a nonsufficient funds (NSF) transaction if we do not pay it or an overdraft transaction if we do pay it. You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy. You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase. Here is an example of how this can occur – assume for this example the following: (1) you have opted-in to our overdraft services for the payment of overdrafts on ATM and everyday debit card transactions, (2) we pay the overdraft, and (3) our overdraft fee is $35 per overdraft, but we do not charge the overdraft fee if the transaction overdraws the account by less than 7 days’ notice $10. You have $120 in writing before each withdrawal your account. You swipe your card at the card reader on a gasoline pump. Since it is unclear what the final bill will be, the gas station’s processing system immediately requests a hold on your account in a specified amount, for example, $80. Our processing system authorizes a temporary hold on your account in the amount of $80, and the gas station’s processing system authorizes you to begin pumping gas. You fill your tank and the amount of gasoline you purchased is only $50. Our processing system shows that you have $40 in your account available for other transactions ($120 - $80 = $40) even though you would have $70 in your account available for other transactions if the amount of the temporary hold was equal to the amount of your purchase ($120 - $50 = $70). Later, another transaction you have authorized is presented for payment from your account in the amount of $60 (this could be a check you have written, another debit card transaction, an interest-bearing account other than a time deposit, ACH debit or from any other savings kind of payment request). This other transaction is presented before the amount of the temporary hold is adjusted to the amount of your purchase (remember, it may take up to three days for the adjustment to be made). Because the amount of this other transaction is greater than the amount our processing system shows is available in your account, our payment of this transaction will result in an overdraft transaction. Because the transaction overdraws your account as defined by Regulation D. Withdrawals from a time $20, your account prior will be assessed the overdraft fee of $35 according to maturity our overdraft fee policy. You will be charged this $35 fee according to our policy even though you would have had enough money in your account to cover the $60 transaction if your account had only been debited the amount of your purchase rather than the amount of the temporary hold or prior if the temporary hold had already been adjusted to any notice period may be restricted and may be subject to penaltythe actual amount of your purchase.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the account records, any and of you, acting action alone, who signs to open in the account or has authority to make withdrawals space designated for signatures on the membership application/signature card may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals signing the signature card to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using Postdated checks – A postdated check is one which bears a date later than the word “and” to connect date on which the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawalwritten. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. Withdrawal rules - We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or of less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiated it) to apply the frequency limitations. In addition, we may place limitations on the account until your identity is verified. Even if we honor a nonconforming request, we are not required to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those these accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.

Withdrawals. Our banking offices When you instruct us to transfer Cryptocurrency from your Crypto Account to an External Wallet, you are non-cash facilities responsible for verifying all transaction information, including withdrawal addresses, prior to submitting instructions to us. You shall not attempt to transfer Cryptocurrency directly to a smart contract, xxxx or other form of Supplemental Protocol because our systems are not configured to detect, secure or process such transactions and you will such attempted transfers may result in the loss of your Cryptocurrency. Transfers from your Crypto Account cannot be allowed reversed once they have been broadcast to withdraw currency at our office locationsthe relevant Cryptocurrency network. Unless clearly indicated We are not responsible in the event you enter an incorrect External Wallet address for the withdrawal, otherwise on the account recordsprovide us with incorrect transaction information, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all Cryptocurrency to a smart contract, xxxx or other Supplemental Protocol. Transfers of Cryptocurrency are subject to Network Fees received by miners, validators or other entities unrelated to WS Crypto, and as a result, when transferring Cryptocurrency from your Crypto Account to an External Wallet, the amount received in the External Wallet may be less than the amount sent from your Crypto Account. We may hold a transfer from your Crypto Account indefinitely in accordance with our internal policies or controls or as required by law. We may refuse to process any part of pending transfer from your Crypto Account for any other reason, including, without limitation, if we suspect the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account transfer involves money laundering, terrorist financing, fraud, or any other transaction form of criminal activity or proceeds of crime, if required by law or an order of any court or other authority to which we are subject, or if the amount of the transfer exceeds limits set in accordance with usour policies and procedures. Using We do not control the word “and” Cryptocurrency networks and make no warranty or guarantee that a Cryptocurrency transfer from your Crypto Account will be processed or confirmed by the Cryptocurrency network in a timely way or at all. We are not responsible for delays in processing or confirming transfers from your Crypto Account. We have no control over, or liability for, your Cryptocurrency after it is transferred to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicitan External Wallet. You agree that, as to any item and understand that we have no opportunity obligation to examine the signaturesdisclose to you why a requested transfer is delayed or why we refuse to process any requested transfer. You agree that you may not use your Crypto Account to pay or transfer Cryptocurrency to third parties, such as other than third parties acting on your behalf. Whenever you transfer Cryptocurrency from your Crypto Account to an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulationExternal Wallet, you waive any requirement of multiple signatures for withdrawal. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time represent and warrant to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permittedus that (a) you, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming requestthird party acting on your behalf, we are not required controls the External Wallet; and (b) the transferred Cryptocurrency continues to do so later. We may treat continued abuse of the stated limitations (if any) as your act of closing the account, or we may at our option reclassify your account as a transaction account. If we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. We will use the date the transaction is completed beneficially owned by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltyyou.

Withdrawals. Our banking offices are non-cash facilities and you will not be allowed to withdraw currency at our office locations. Unless clearly indicated otherwise on the our account records, any of you, acting alone, you who signs to open in the account or has authority to make withdrawals appropriate place on the signature card may withdraw or transfer all or any part of the funds in your account. All checks and withdrawal forms used in connection with your account balance at must be on forms obtained through or approved by us. We may refuse any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs check or has authority to make withdrawals to indorse any item payable to you or drawn against your order for deposit to this account or any other transaction with used to withdraw funds from your account if it is not on a form obtained through or approved by us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we have no opportunity verify all information contained on checks and withdrawal forms prior to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawaluse. We may charge debit your account for a check even though payment was made before or other item drawn on your account either on the date day it is presented to us for payment, by electronic or other means, or on the day we receive notice that the check or item has been deposited or cashed at another financial institution, whichever is earlier. We may debit your account for a copy of a check that you have issued, provided we have not already paid the original check at the time the copy is presented for payment. The term "copy" of your check includes an item that is an image of the front and back of the original check that does not meet the requirements of a substitute check as that term is defined in the Check 21 Act. We may determine your balance and make our decision on an insufficient funds item at any time between our receipt of the check, unless item or notice and the time we have received written notice of must return the postdating in item. We are required to determine your account balance only once during this time to have a reasonable opportunity to actperiod. We may refuse accept, pay, or charge checks and other items to your account in any withdrawal order we choose, at our discretion. In particular, the Bank may pay checks and other items in the order of highest dollar amount to lowest dollar amount. The order we choose may result in higher overdraft and insufficient funds fees than other methods. We may establish different priorities or transfer request which categories for checks and other items and process checks and other items according to the priorities we establish. We may change the order that we use to process checks and other items at any time without notice to you. We use an automated process for paying checks and may or may not examine checks or other items and you attempt on forms not approved by us, by any method agree that we have met the standard of care that you expect from us when we pay checks or other items. You also agree that we have exercised ordinary care in paying checks or other items even if we do not specifically permit, which is greater in number than the frequency permitted, examine checks or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we are not required to do so laterother items. We may treat continued abuse enter into or become subject to agreements for electronic presentment, and you agree to be bound by the terms of such agreements and authorize payment of a substitute check or item based upon information describing the check or item rather than physical delivery of the stated limitations (if any) as check or item itself. You agree not to use any restrictive terms or legends on your act of closing the accountchecks, for example but not limited to "must be presented within 90 days" or we may at our option reclassify your account as a transaction account"not valid for more than $1,000". If we reclassify you do so despite the terms of this Agreement, you represent and warrant that the restrictions have been placed for your accountown use, your account will be subject and the Bank is not bound by the restrictions. Subject to the fees and earnings rules of the new account classification. The fact applicable law, you agree that we may honor withdrawal requests that overdraw process such checks regardless of any restriction or legend and without liability for any damages caused by payment of the available account balance does not obligate us to do so later. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltycheck.

Withdrawals. Our banking offices are What checks will we cash? We may cash checks payable to any owner on your account when endorsed by all payees. If you ask us to cash a check for you, we may use the proceeds in the manner discussed in the section below entitled "Under what circumstances can we offset your account(s) against a debt you owe us?" Can we cash checks you write to non-customers? If you issue a check drawn on your account and a person who is not our customer seeks to cash facilities it at one of our branches, you agree, to the extent permitted by law, we may charge the non-customer a fee as a condition of cashing the check. We may charge the fee without prior notice to you and you for items that are drawn on your account or that we have issued at your request. You also agree that (i) we may require the non-customer to provide additional identification and/or comply with any other security measures we may impose; and (ii) we will not be allowed liable for wrongful dishonor for refusing to withdraw currency at cash the check if the non-customer refuses to pay the fee or comply with our office locations. Unless clearly indicated otherwise security measures (i.e., affixing a fingerprint on the check). Where can you order checks, deposit slips and other forms? You must either obtain all checks, withdrawal forms, and deposit slips from us or adhere to the specifications set forth by us. You are responsible for verifying the accuracy of all information on these items. We will not be responsible or liable for any loss or damage you sustain from the use of checks or forms not obtained through us. What is an electronic check? Certain businesses may convert checks you give them into electronic debits and then send us an electronic debit for the transaction amount. When we receive the electronic debit from the business, we charge it to your account. This electronic debit may be processed immediately after the business enters the transaction, so your right to stop payment could be reduced and you could incur an overdraft if your account records, any of you, acting alone, who signs does not have sufficient funds to open cover the account or has authority to make withdrawals may withdraw or transfer all or any part amount of the account balance check at any timethe time you write the check or authorize the transaction. Each The check is not sent to us, and therefore we do not have a copy of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us. Using the word “and” to connect the names of co-owners or co-fiduciaries in the account title (or elsewhere in account records) does not in itself require more than one of you to authorize a withdrawal. Such a restriction must be explicit. You agree that, as to any item that we check and have no opportunity to review the check to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in signatures on the Electronic Fund Transfers regulationitem. You agree that for any items we do not have the opportunity to examine, you waive any requirement to verify signatures. All electronic debits will be listed on your account statement. How do we process and examine checks? We process items electronically, using software which "reads" the checks. As a result, we do not individually examine all of multiple your items for dates, maker signatures, legends or endorsements (including restrictive endorsements, such as "two signatures required" or "must be presented within 90 days") to determine if an item is properly completed, signed and endorsed or to determine if it contains any information other than what is encoded in magnetic ink. You agree we have not failed to exercise ordinary care solely because we use our automated system to process items and do not inspect all items processed in such a manner, and we are not responsible for any losses or damages you sustain resulting from our failure to abide by restrictive endorsements. If you need to make a large cash withdrawal, do you need to notify us? We may require prior notice for large cash withdrawals. We can refuse an order to withdraw funds in cash or to cash an item if we believe the request is a security risk or if it would cause a hardship on us. We may require you to accept an official check or electronic transfer to receive the funds. If we agree to a large cash withdrawal, you may be required to employ a courier service acceptable to us at our sole discretion and at your sole risk and expense. Can we pay postdated checks? A postdated check is one which bears a date later than the date on which the check is written. We may properly pay and charge your account for a postdated check even though payment was made before the date of the check. In addition, unless we you agree to waive any right you may have received written under the Uniform Commercial Code to give us notice of a postdated check and agree we shall not be liable for paying a postdated check before the postdating in time date of the check, even if you give us reasonable notice prior to have a reasonable opportunity to actpayment of the check. We may refuse any withdrawal or transfer request which If you attempt on forms not approved by us, by any method we do not specifically permitwant us to pay a postdated check, which is greater you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we pay stale-dated checks? We are not obligated to, but may at our option, pay or accept a check, other than an official check, presented for payment more than six (6) months after its date. If you do not want us to pay a stale-dated check, you must place a stop payment order on the check pursuant to the stop payment provisions of this Agreement. Can we send you electronic notice of unpaid items in number than the frequency permitted, lieu of your check? If we decide not to pay a check or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming requestother item drawn on your account, we are not required to do so later. We may treat continued abuse return the original, an image or a copy of the stated limitations (if any) as your act of closing the accountitem, or we may at our option reclassify your account as a transaction accountsend an electronic notice of return. If we reclassify send an electronic notice of return, you agree any person who receives that electronic notice may use it to make a claim against you to the same extent and with the same effect as if we had returned the original item. Under what circumstances can we offset your account(s) against a debt you owe us? We may (without prior notice and when permitted by law) offset funds in any or all of your South State accounts to repay any debt or obligation you or any co-owner owes to us, regardless of the source of funds in an account. Our right to offset funds in your accounts includes the right to apply part or all of the funds in your account for the satisfaction of any debt you or any co-owner of the account owes us. To the extent permitted by applicable law, all funds in a multiple party (or joint, as applicable) account may be used to repay the debts of any co-owner, whether they are owed individually, by a co-owner, jointly with other co-owners, or jointly with other third parties having no interest in your account, your account will be subject to . We may charge an early withdrawal penalty on the fees and earnings rules funds that are set off from a time deposit account. Our right of the new account classification. The fact that we may honor withdrawal requests that overdraw the available account balance offset does not obligate us apply to do so laterIRA or tax-qualified retirement accounts, fiduciary accounts, consumer credit card obligations, or where otherwise prohibited by law. We will use have no liability for dishonoring items presented against your account when the date the transaction is completed by exercise of our right of offset results in non-sufficient funds in your account. You agree to hold us (as opposed to the date you initiate it) to apply the frequency limitations. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. In addition, we may place limitation on the account until your identity is verified. We may require not less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or harmless from any other savings account claim arising as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penaltyresult of our exercise of our right of offset.