CONSUMER DEPOSIT ACCOUNT AGREEMENT & DISCLOSURE TERMSConsumer Deposit Account Agreement • May 3rd, 2016 • New York
Contract Type FiledMay 3rd, 2016 JurisdictionTERMS. In this agreement ‘you,’ ‘your,’ and ‘yours’ mean Depositor individually (jointly and severally if more than one). ‘We,’ ‘our,’ ‘ours,’ and ‘us’ mean TOWNEBANK. Unless the context clearly requires otherwise, a singular term includes the plural and vice versa, and a word of one gender includes the other. ‘Item’ is any check, draft, or order for the payment of money, oral or written, in electronic or other form. ‘Business day’ is any day we are open for carrying on substantially all of our banking business other than Saturday, Sunday, or Federal Reserve Bank holiday. ‘Such as’ means the terms that follow are merely examples and are not intended to limit the possibilities. ‘This agreement’ means this document and any of the following, periodically amended, that we give you: disclosures; such as Truth in Savings and electronic fund transfers; fee schedule(s); the signature card; and any agreement for banking services connected with this account.