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.

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(1)

all

persons creating the account die, and (2) the beneficiary is

then living. If two or more beneficiaries are named and survive the

death of all persons creating the account, such beneficiaries will own

this account in equal shares, without right of survivorship. Any such

beneficiary may withdraw all or any part of the account balance. The

person(s) creating this account type reserves the right to: (1) change

beneficiaries; (2) change account types; and (3) withdraw all or part

of the deposit at any time.

Balance Computation Method.

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.

We encourage you to agree and tell us in writing of the percentage of

the deposit contributed by each of you. This information will not,

however, affect the "number of endorsements" necessary for

withdrawal.

Revocable Trust Account (subject to this agreement).

If two or

more of you create such an account, you own the account jointly with

survivorship. Beneficiaries acquire the right to withdraw only if:

Trust Account Subject to Separate Agreement.

We will abide

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

account and which you file with us. Any additional consistent terms

stated on this form will also apply.

Set-Off.

You each agree that we may (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. 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, or (d) social security or

supplemental security income payments are deposited directly into

this account pursuant to an agreement with us which permits such

direct deposit without presentation to you at the time of deposit. You

agree to hold us harmless from any claim arising as a result of our

exercise of our right of set-off.

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.)

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

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.

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.

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).

original term

Additional Terms and Conditions - New York

Definitions.

"W e," "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.

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 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 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.

Individual Account.

- Such an account is owned by one person.

Joint Account With Survivorship (And Not As Tenants In

Common).

Such an account is owned by two or more persons.

Deposits and any additions to the account are the property of the

owners as Joint Tenants With Right Of Survivorship. This means that

we may release the entire account to any owner during the lifetime of

all owners. We may honor withdrawal requests (including checks)

from any owner during the lifetime of all owners. We may be required

to release money in the account to satisfy a judgment against or other

valid debt incurred by any owner. We may honor withdrawal requests

(including checks) from any surviving owner after the death of any

owner, and may treat the account as the sole property of the surviving

owner(s). Unless an owner directs us by written notice not to honor

the withdrawal request (including checks) of an owner we will not be

liable for doing so. After we receive such a notice, we may require

the written authorization of any or all joint owners for any further

payments or deliveries.

Joint Account - No Survivorship (As Tenants In Common).

Such

an account is owned by two or more persons but none of you intend

(merely by opening this account) to create any right of survivorship in

any other person.

Cert ificate of Deposit /Account Agreement-NY

Bankers Syst ems

VMP

Wolters Kluwer Financial Services

2015