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Multiple-Party Account w ithout Right of Survivorship.

At death of

party, deceased party' s ownership passes as part of deceased party's

estate.

You must notify us in writing before, or within a day grace

period after, the maturity date if you do not want this account to

automatically renew.

Rights at Death

Single Party Account.

At death of party, ownership passes as part of

party' s estate.

Single-Party Account w ith Pay-on-Death Designation.

At death of

the party, ownership passes to the designated pay-on-death beneficiaries

and is not part of the party's estate.

Multiple-Part y Account w ith Right of Survivorship and

Pay-on-Deat h Designation.

At death of last surviving party, ownership

passes to the designated pay-on-death beneficiaries and is not part of the

last surviving party' s estate.

Set-Off.

You each agree that we may (without prior notice and when

permitted by law) set off the funds in this account against 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 person' s or legal entity' s right to

withdraw. The amount subject to set-off is that proportion to which you

are or were immediately before your death, beneficially entitled, and in

the absence of proof of net contributions, to an equal share with all parties

having present rights of withdrawal. 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 set off,

including any balance the due date for which we properly accelerate

under the note. This right of set-off does not apply to this account if: (a) it

is an Individual Retirement Account or other tax-deferred retirement

account, or (b) the debt is created by a consumer credit transaction under

a credit card plan, or (c) the debtor' s right of withdrawal arises only in a

representative capacity. You agree to hold us harmless from any claim

arising as a result of our exercise of our right of set-off.

Balance Computat ion M ethod.

We use the daily balance method to

calculate the interest on this account. This method applies a daily periodic

rate to the principal in the account each day.

Transaction Limitations.

You cannot make additional deposits to this

account during a term (other than credited interest). You cannot withdraw

principal from this account without our consent except on or after

maturity. (For accounts that automatically renew, there is a grace period

after each renewal date during which withdrawals are permitted without

penalty.)

In certain circumstances, such as the death or incompetence of an account

owner, the law permits, or in some cases requires, the waiver of the early

withdrawal penalty. Other exceptions may also apply, for example, if this

is part of an IRA or other tax-deferred savings plan.

For Accounts that Automatically Renew .

Each renewal term will be

, beginning on the maturity date

(unless we notify you, in writing, before a maturity date, of a different

term for renewal).

Interest earned during one term that is not withdrawn during or

immediately after that term is added to principal for the renewal term.

The rate for each renewal term will be determined by us on or just before

the renewal date. You may call us on or shortly before the maturity date

and we can tell you what the interest rate will be for the next renewal

term. On accounts with terms of longer than one month we will remind

you in advance of the renewal and tell you when the rate will be known

for the renewal period.

Multiple-Party Account w ith Right of Survivorship.

At death of

party, ownership passes to the surviving party or parties.

See your plan disclosure if this account is part of an IRA or Keogh.

original term

Additional Terms and Conditions - Florida

Definitions.

"We," "our,"

and

"us"

mean the issuer of this account and

"you"

and

"your"

mean the depositor(s).

"Account"

means the original

certificate of deposit as well as the deposit it evidences.

"Party"

means a

person who by the terms of the account, has a present right, subject to

request, to payment from a multiple-party account.

Transfer.

"Transfer"

means any change in ownership, withdrawal

rights, or survivorship rights, including (but not limited to) any pledge or

assignment of this account as collateral. You cannot transfer this account

without our written consent.

Primary Agreement.

You agree to keep your funds with us in this

account until the maturity date. (An automatically renewable account

matures at regular intervals.) You may not transfer this account without

first obtaining our written consent.

This account is void if the deposit is made by any method requiring

collection (such as a check) and the deposit is not immediately collected

in full. If the deposit is made or payable in a foreign currency, the amount

of the deposit will be adjusted to reflect final exchange into U.S. dollars.

We may change any term of this agreement. Rules governing changes in

interest rates have been provided. For other changes we will give you

reasonable notice in writing or by any other method permitted by law.

If any notice is necessary, you all agree that the notice will be sufficient if

we mail it to the address you provided in your application. You must

notify us of any change.

Withdrawals and Transfers.

Only those of you who sign the Terms and

Conditions of Your Account may withdraw funds from this account. (In

appropriate cases, a court appointed representative, a beneficiary of a

trust or pay-on-death account whose right of withdrawal has matured, or a

newly appointed and authorized representative of a legal entity may also

withdraw from this account.) Unless otherwise specified in writing, only

one endorsement is required to withdraw funds from this account.

These same rules apply to define the names and the number of you

who can request our consent to a transfer.

Pledges.

Any pledge of this account (to which we have agreed), must

first be satisfied before the rights of any joint account survivor,

pay-on-death beneficiary or trust account beneficiary become effective.

For example, if one joint tenant pledges the account for payment of a debt

and then dies, the surviving joint tenant' s rights in this account are subject

first to the payment of the debt.

Account Ownership.

You intend these rules to apply to this account

depending on the form of ownership and beneficiary designation, if any.

We make no representations as to the appropriateness or effect of the

ownership and beneficiary designations, except as they determine to

whom we pay the account funds.

Single-Party Account.

Such an account is owned by one party.

Multiple-Party Account.

Such an account is payable on request to one or

more of two or more parties, whether or not a right of survivorship is

mentioned.

Multiple-Party Account - Tenancy by the Entireties.

The parties to the

account are husband and wife and hold the account as tenants by the

entirety.

Corporate, Partnership, and Other Organizational Accounts.

We will

abide by the terms of any separate agreement which clearly pertains to this

certificate and which you file with us. Any additional consistent terms stated

on this form will also apply.will usually require a separate authorization

form designating the person permitted and conditions required for

withdrawal from any account in the name of a legal entity such as a

partnership, corporation or other organization. We will honor such

authorization according to its terms until it is amended or terminated in

writing by the governing body of such organization.

Trust Account Subject to Separate Agreement.

We will abide by the

terms of any separate agreement which clearly pertains to this certificate

and which you file with us. Any additional consistent terms stated on this

form will also apply.

Cert ificat e of Deposit/Account Agreement-FL

Bankers Syst ems

VMP

Wolt ers Kluw er Financial Services

2015