Terms and Conditions of Your Account

Contents:

Important Information about Procedures for

Opening a New Account

Agreement

Liabilit y

Deposit s

Wit hdraw als

Reimbursement of Federal Benefit Payments

Temporary Account Agreement

Setoff

Check Processing

Check Cashing

Truncation, Substitute Checks, and Other

Check Images

Remotely Created Checks

Unlaw ful Internet Gambling Notice

ACH and Wire Transf ers

International ACH Transactions

Facsimile Signatures

Restrictive Legends or Indorsements

Account Transf er

Indorsement s

Deat h or Incompet ence

Fiduciary Accounts

Credit Verification

Legal Actions Affecting Your Account

Account Security

Your Duty to Report Other Errors or

Problems

Errors Relating to Electronic Fund Transfers

or Substitute Checks

Dut y t o Not if y if Stat ement Not Received

(14)

(15)

(16)

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

(13)

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other

information that will allow us to identify you. We may also ask to see your driver' s license or other identifying documents.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial

institutions to obtain, verify, and record information that identifies each person who opens an account.

Important Terms for Accounts Where More

Than One Person Can Wit hdraw

Postdated Checks

Checks and Wit hdraw al Rules

Cash Wit hdraw als

Multiple Signatures, Electronic Check

Conversion, and Similar Transactions

Notice of Withdrawal

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(1) Important Information about Procedures for Opening a New Account

Single-Party Account Without "P.O.D."

(Payable on Death) Designation

Single-Party Account With "P.O.D."

(Payable on Death) Designation

Multiple-Party Account Without Right of

Survivorship

Multiple-Party Account With Right of

Survivorship

Multiple-Party Account With Right of

Survivorship and "P.O.D." (Payable on

Death) Designat ion

Convenience Account

Trust Account

Uniform Single-Party or Multiple-Party

Account Selection Form Notice

Business, Organization, and Association

Accounts

St op Payment s

Telephone Transfers

Amendment s and Terminat ion

Correction of Clerical Errors

Notices

Stat ement s

Your Duty to Protect Account Information

and Methods of Access

Positive Pay and Other Fraud Prevention

Services

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

Instructions From You

Monitoring and Recording Telephone Calls and

Account Communications

Claim of Loss

Early Wit hdraw al Penalt ies

Changes in Name and Contact Inf ormat ion

Resolving Account Disputes

Waiver of Notices

Additional Terms

Your Duty to Report Unauthorized

Signatures (Including Forgeries and

Counterfeit Checks) and Alterations on

Checks and Other It ems

1. summarize some laws that apply to common transactions;

2. establish rules to cover transactions or events which the law does not regulate;

This document, along with any other documents we give you pertaining to your account(s), is a contract (also referred to as

"this agreement") that establishes rules which control your account(s) with us. Please read this carefully and retain it for

future reference. If you open the account (whether in-person, electronically, or by any other method permitted by us) or

continue to use the account after receiving a notice of change or amendment, you agree to these rules. You will receive a

separate schedule of rates, qualifying balances, and fees if they are not included in this agreement. If you have any questions,

please ask us.

This agreement is subject to applicable federal laws, the laws of the state of Texas and other applicable rules such as the

operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement

can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is

too large and complex to be reproduced here. The purpose of this agreement is to:

(2) Agreement

4. give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

establish rules for certain transactions or events which the law regulates but permits variation by agreement; and3.

"Party" means a person who, by the terms of an account, has a present right, subject to request, to payment from the account

other than as a beneficiary or agent.

As used in this agreement the words "we," "our," and "us" mean the financial institution and the words "you" and "your"

mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the

account. However, this agreement does not intend, and the terms "you" and "your" should not be interpreted, to expand an

individual' s responsibility for an organization' s liability. If this account is owned by a corporation, partnership or other

organization, individual liability is determined by the laws generally applicable to that type of organization. The headings in

this agreement are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would

be inconsistent to do so, words and phrases used in this agreement should be construed so the singular includes the plural and

the plural includes the singular.

If any provision of this agreement is found to be unenforceable according to its terms, all remaining provisions will continue

in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in

writing either on the signature card for your account or in some other document. Nothing in this agreement is intended to

vary our duty to act in good faith and with ordinary care when required by law.

You will be liable for our costs as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred

as a result of collection or in any other dispute involving your account. This includes, but is not limited to, disputes between

you and another joint owner; you and an authorized signer or similar party; or a third party claiming an interest in your

account. This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to

seek the advice of an attorney, whether or not we become involved in the dispute. All costs and attorneys' fees can be

deducted from your account when they are incurred, without notice to you.

You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this

account and the schedule of charges. You authorize us to deduct these charges, without notice to you, directly from the

account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by

this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or

overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and we can deduct

any amounts deposited into the account and apply those amounts to the shortage. You have no right to defer payment of this

liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.

(3 ) Liability

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We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including

items drawn "on us"). Before settlement of any item becomes final, we act only as your agent, regardless of the form of

indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. We may

reverse any provisional credit for items that are lost, stolen, or returned. Unless prohibited by law, we also reserve the right

to charge back to your account the amount of any item deposited to your account or cashed for you which was initially paid

by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing indorsement, claim of

alteration, encoding error, counterfeit cashier' s check or other problem which in our judgment justifies reversal of credit. You

authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect we may

permit the payor bank to hold an item beyond the midnight deadline. 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. We are not responsible for transactions by

mail or outside depository until we actually record them. We will treat and record all transactions received after our "daily

cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next

business day that we are open. At our option, we may take an item for collection rather than for deposit. If we accept a

third-party check or draft for deposit, we may require any third-party indorsers to verify or guarantee their indorsements, or

indorse in our presence.

Important Terms for Accounts Where More Than One Person Can Withdraw .

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.

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. 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.

(4) Deposits

(5) Withdraw als

Checks and Withdraw al 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 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 by our policy, 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 any 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. If you violate the stated transaction

limitations (if any), in our discretion we may close your account or reclassify your account as another type of account. If

we reclassify your account, your account will be subject to the fees and earnings rules of the new account classification.

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.

Cash W ithdraw als.

We recommend you take care when making large cash withdrawals because carrying large amounts

of cash may pose a danger to your personal safety. As an alternative to making a large cash withdrawal, you may want to

consider a cashier' s check or similar instrument. You assume full responsibility of any loss in the event the cash you

withdraw is lost, stolen, or destroyed. You agree to hold us harmless from any loss you incur as a result of your decision

to withdraw funds in the form of cash.

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M ultiple Signatures, Electronic Check Conversion, and Similar Transactions.

An electronic check conversion

transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the

Electronic Fund Transfers regulation. In these types of transactions the check or similar item is either removed from

circulation (truncated) or given back to you. As a result, we have no opportunity to review the signatures or otherwise

examine the original check or item. You agree that, as to these or any items as to which we have no opportunity to

examine the signatures, you waive any requirement of multiple signatures.

Notice of W ithdraw al.

We reserve the right to require not less than 7 days' notice in writing before each withdrawal

from an interest-bearing account, other than a time deposit or demand deposit, or from any other savings deposit as

defined by Regulation D. (The law requires us to reserve this right, but it is not our general policy to use it.) Withdrawals

from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See

your separately provided notice of penalty for early withdrawal.

(5) Withdraw als, Continued

(6) Uniform Single-Party or Multiple-Party Account Selection Form Notice

The type of account you select may determine how property passes on your death. Your will may not control the disposition

of funds held in some of the following accounts. You may choose to designate one or more convenience signers on an

account, even if the account is not a convenience account. A designated convenience signer may make transactions on your

behalf during your lifetime, but does not own the account during your lifetime. The designated convenience signer owns the

account on your death only if the convenience signer is also designated as a P.O.D. payee or trust account beneficiary.

M ultiple-Party Account W ithout Right of Survivorship.

The parties to the account own the account in proportion to

the parties' net contributions to the account. The financial institution may pay any sum in the account to a party at any

time. On the death of a party, the party' s ownership of the account passes as a part of the party' s estate under the party' s

will or by intestacy.

Single-Party Account With "P.O.D." (Payable on Death) Designation.

The party to the account owns the account.

On the death of the party, ownership of the account passes to the P.O.D. beneficiaries of the account. The account is not a

part of the party' s estate.

Single-Party Account W ithout "P.O.D." (Payable on Death) Designation.

The party to the account owns the

account. On the death of the party, ownership of the account passes as a part of the party' s estate under the party' s will or

by intestacy.

M ultiple-Party Account W ith Right of Survivorship.

The parties to the account own the account in proportion to the

parties' net contributions to the account. The financial institution may pay any sum in the account to a party at any time.

On the death of a party, the party' s ownership of the account passes to the surviving parties.

M ultiple-Party Account W ith Right of Survivorship and "P.O.D." (Payable on Death) Designation.

The parties

to the account own the account in proportion to the parties' net contributions to the account. The financial institution may

pay any sum in the account to a party at any time. On the death of the last surviving party, the ownership of the account

passes to the P.O. D. beneficiaries.

Convenience Account.

The parties to the account own the account. One or more convenience signers to the account may

make account transactions for a party. A convenience signer does not own the account. On the death of the last surviving

party, ownership of the account passes as a part of the last surviving party' s estate under the last surviving party' s will or

by intestacy. The financial institution may pay funds in the account to a convenience signer before the financial institution

receives notice of the death of the last surviving party. The payment to a convenience signer does not affect the parties'

ownership of the account.

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Trust Account.

The parties named as trustees to the account own the account in proportion to the parties' net

contributions to the account. A trustee may withdraw funds from the account. A beneficiary may not withdraw funds from

the account before all trustees are deceased. On the death of the last surviving trustee, the ownership of the account passes

to the beneficiary. The trust account is not a part of a trustee' s estate and does not pass under the trustee' s will or by

intestacy, unless the trustee survives all of the beneficiaries and all other trustees.

Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law

or our policy. You represent that you have the authority to open and conduct business on this account on behalf of the entity.

We may require the governing body of the entity opening the account to give us a separate authorization telling us who is

authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the

governing body of the entity.

The rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other

types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have

not disclosed these rules to you elsewhere, you may ask us about those rules.

We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the

manner required by law; it must be made in a dated, authenticated record that describes the item with certainty. (Generally, a

"record" is information that is stored in such a way that it can be retrieved and can be heard or read and understood - you can

ask us what type of stop-payment records you can give us.) We must receive it in time to give us a reasonable opportunity to

act on it before our stop-payment cutoff time. Because the most effective way for us to execute a stop-payment order is by

using an automated process, to be effective, your stop-payment order must precisely identify the number, date, and amount of

the item, and the payee.

You may stop payment on any item drawn on your account whether you sign the item or not. Your stop-payment order is

effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the

six-month period. We are not obligated to notify you when a stop-payment order expires.

(6) Uniform Single-Party or Multiple-Party Account Selection Form Notice, Continued

(7) Business, Organization, and Association Accounts

(8) Stop Payments

If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify

us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder

of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware

that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order.

Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive

the item. 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).

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 persons and under the same conditions generally applicable to withdrawals made in writing. Limitations on

the number of telephonic transfers from a savings account, if any, are described elsewhere.

(9) Telephone Transfers

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We may change any term of this agreement. For such changes, we will give you reasonable notice in writing or by any other

method permitted by law. We may also suspend or terminate a service or close this account at any time upon reasonable

notice to you and, if we close the account, tender of the account balance personally or by mail. Reasonable notice depends on

the circumstances, and in some cases, such as when we cannot verify your identity or we suspect fraud, it might be

reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect

fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice.

If we have notified you of a change in any term of your account and you continue to have your account after the effective date

of the change, you have agreed to the new terms.

Your Duty to Report Unauthorized Signatures (Including Forgeries and Counterfeit Checks) and Alterations

on Checks and Other Items.

You must examine your statement of account with "reasonable promptness." If you

discover (or reasonably should have discovered) any unauthorized signatures (including forgeries and counterfeit checks)

or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these

duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used

ordinary care and, if not, whether we contributed to the loss). The loss could be not only with respect to items on the

statement but other items with unauthorized signatures or alterations by the same wrongdoer.

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will

not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.

Any written notice you give us is effective when we actually receive it, and it must be given to us according to the specific

delivery instructions provided elsewhere, if any. We must receive any notice in time to have a reasonable opportunity to act

on it. If a notice is regarding a check or other item, you must give us sufficient information to be able to identify the check or

item, including the precise check or item number, amount, date and payee. Notice we give you via the United States Mail is

effective when it is deposited in the United States Mail with proper postage and addressed to your mailing address we

currently have on file. Notice we give you through your email of record, or other electronic method to which you agreed, will

be treated as delivered to you when sent. Notice to any of you is notice to all of you.

(10) Amendments and Termination

(12) Notices

(13) Statements

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When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items

to be paid from the account.

Items presented for payment after the account is closed may be dishonored.

Note: Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another

document. In addition, for changes governed by a specific law or regulation, we will follow the specific timing and format

notice requirements of those laws or regulations.

(1 1 ) Correction of Clerical Errors

Unless otherwise prohibited by law, you agree, if determined necessary in our reasonable discretion, to allow us to correct

clerical errors, such as obtaining your missing signature, on any account documents or disclosures that are part of our

agreement with you. For errors on your periodic statement, please refer to the Statements section.

Errors Relating to Electronic Fund Transfers or Substitute Checks

(For consumer accounts only)

. For information

on errors relating to electronic fund transfers (e.g., online, mobile, debit card or ATM transactions) refer to your

Electronic Fund Transfers disclosure and the sections on consumer liability and error resolution. For information on errors

relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.

(13) Statements, Continued

Duty to Notify if Statement Not Received.

You agree to immediately notify us if you do not receive your statement by

the date you normally expect to receive it. Not receiving your statement in a timely manner is a sign that there may be an

issue with your account, such as possible fraud or identity theft. Absent a lack of ordinary care by us, a failure to receive

your statement in a timely manner does not extend the time you have to conduct your review under this agreement.

(14) Reimbursement of Federal Benefit Payments

If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was

directly deposited into your account, 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 available legal remedy to recover the amount of our liability

If the account documentation indicates that this is a temporary account agreement, each person who signs to open the account

or has authority to make withdrawals (except as indicated to the contrary) may transact business on this account. However, we

may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we

have imposed within a reasonable time

We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt

any of you owe us now or in the future. If this account is owned by one or more of you as individuals, we may set off any

funds in the account against a due and payable debt a partnership owes us now or in the future, to the extent of your liability

as a partner for the partnership debt. If your debt arises from a promissory note, then the amount of the due and payable debt

will be the full amount we have demanded, as entitled under the terms of the note, and this amount may include any portion

of the balance for which we have properly accelerated the due date.

(15) Temporary Account Agreement

(16) Setoff

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You further agree that if you fail to report any unauthorized signatures or alterations in your account within 60 days of

when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and

as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary

care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.

Your Duty to Report Other Errors or Problems.

In addition to your duty to review your statements for unauthorized

signatures and alterations, you agree to examine your statement with reasonable promptness for any other error or problem

- such as an encoding error or an unexpected deposit amount. Also, if you receive or we make available either your items

or images of your items, you must examine them for any unauthorized or missing indorsements or any other problems.

You agree that the time you have to examine your statement and items and report to us will depend on the circumstances.

However, this time period shall not exceed 60 days. Failure to examine your statement and items and report any errors to

us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for

any errors on items identified in that statement and as between you and us the loss will be entirely yours.

We must receive the notice in time for us to have a reasonable opportunity to act on it, and you must tell us the precise date

of the check, amount, check number and payee. We are not responsible for any unauthorized signature or alteration that

would not be identified by a reasonable inspection of the item. Using an automated process helps us keep costs down for you

and all account holders.

We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument

written on your account. We may also require reasonable identification to cash a check, draft or other instrument. We can

decide what identification is reasonable under the circumstances and such identification may be documentary or physical and

may include collecting a thumbprint or fingerprint.

If you truncate an original check and create a substitute check, or other paper or electronic image of the original check, you

warrant that no one will be asked to make payment on the original check, a substitute check or any other electronic or paper

image, if the payment obligation relating to the original check has already been paid. You also warrant that any substitute

check you create conforms to the legal requirements and generally accepted specifications for substitute checks. You agree to

retain the original check in conformance with our policy for retaining original checks. You agree to indemnify us for any loss

we may incur as a result of any truncated check transaction you initiate. We can refuse to accept substitute checks that have

not previously been warranted by a bank or other financial institution in conformance with the Check 21 Act. Unless

specifically stated in a separate agreement between you and us, we do not have to accept any other electronic or paper image

of an original check.

Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand

draft) is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a

remotely created check is not issued by the paying bank and does not contain the signature of the account owner (or a

signature purported to be the signature of the account owner). In place of a signature, the check usually has a statement that

the owner authorized the check or has the owner' s name typed or printed on the signature line.

(1 8) Check Cashing

(19) Truncation, Substitute Checks, and Other Check Images

(2 0) Remotely Created Checks

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(16) Setoff, Continued

This right of setoff does not apply to this account if prohibited by law. For example, the right of setoff does not apply to this

account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) the debt is created by a consumer

credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or

(c) the debtor' s right of withdrawal only arises in a representative capacity, or (d) the debt is created by a home equity loan.

We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account.

You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.

(17) Check Processing

We process items mechanically by relying almost exclusively on the information encoded in magnetic ink along the bottom of

the items. This means that we do not individually examine all of your items to determine if the item is properly completed,

signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. You agree that

we have exercised ordinary care if our automated processing is consistent with general banking practice, even though we do

not inspect each item. Because we do not inspect each item, if you write a check to multiple payees, we can properly pay the

check regardless of the number of indorsements unless you notify us in writing that the check requires multiple indorsements.

Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other

orders. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all

checks, drafts, or other orders, for the payment of money, that are drawn on us. You give us this authority 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 filed with us, and contain the required number of signatures for this purpose. You must notify us at once if you

suspect that your facsimile signature is being or has been misused.

This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which

you have your account with us. If you originate a fund transfer and you identify by name and number a beneficiary financial

institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution

may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution,

person or account other than the one named. You agree to be 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 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. Credit entries may

be made by ACH. If we receive a payment order to credit 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.

(22) ACH and Wire Transfers

(2 4 ) Facsimile Signatures

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(20) Remotely Created Checks, Continued

You warrant and agree to the following for every remotely created check we receive from you for deposit or collection:

(1) you have received express and verifiable authorization to create the check in the amount and to the payee that appears on

the check; (2) you will maintain proof of the authorization for at least 2 years from the date of the authorization, and supply

us the proof if we ask; and (3) if a check is returned you owe us the amount of the check, regardless of when the check is

returned. We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your

account, you still owe us the remaining balance.

(21) Unlaw ful Internet Gambling Notice

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account

or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund

transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in

unlawful Internet gambling

(23) International ACH Transactions

Financial institutions are required by law to scrutinize or verify any international ACH transaction (IAT) that they receive

against the Specially Designated Nationals (SDN) list of the Office of Foreign Assets Control (OFAC). This action may, from

time to time, cause us to temporarily suspend processing of an IAT and potentially affect the settlement and/or availability of

such payments.

It is important that you confine the indorsement information to this area since the remaining blank space will be used by

others in the processing of the check to place additional needed indorsements and information. You agree that you will

indemnify, defend, and hold us harmless for any loss, liability, damage or expense that occurs because your indorsement,

another indorsement, or information you have printed on the back of the check obscures our indorsement. These indorsement

guidelines apply to both personal and business checks.

As you look at the front of a check, the "trailing edge" is the left edge. When you flip the check over, be sure to keep all

indorsement information within 1 1/2" of that edge.

(28) Death or Incompetence

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This account may not be transferred or assigned without our prior written consent.

We may accept for deposit any item payable to you or your order, even if they are not indorsed by you. We may give cash

back to any one of you. We may supply any missing indorsement(s) for any item we accept for deposit or collection, and you

warrant that all indorsements are genuine.

The automated processing of the large volume of checks we receive prevents us from inspecting or looking for restrictive

legends, restrictive indorsements or other special instructions on every check. For this reason, we are not required to honor

any restrictive legend or indorsement or other special instruction placed on checks you write unless we have agreed in writing

to the restriction or instruction. Unless we have agreed in writing, we are not responsible for any losses, claims, damages, or

expenses that result from your placement of these restrictions or instructions on your checks. Examples of restrictive legends

placed on checks are "must be presented within 90 days" or "not valid for more than $1,000.00." The payee' s signature

accompanied by the words "for deposit only" is an example of a restrictive indorsement.

To ensure that your check or share draft is processed without delay, you must indorse it (sign it on the back) in a specific

area. Your entire indorsement (whether a signature or a stamp) along with any other indorsement information (e.g., additional

indorsements, ID information, driver' s license number, etc.) must fall within 1 1/2" of the "trailing edge" of a check.

Indorsements must be made in blue or black ink, so that they are readable by automated check processing equipment.

(25) Restrictive Legends or Indorsements

(26) Account Transfer

(27) Indorsements

You agree to notify us promptly if any person with a right to withdraw funds from your account(s) dies or is adjudicated

(determined by the appropriate official) incompetent. We may continue to honor your checks, items, and instructions until:

(a) we know of your death or adjudication of incompetence, and (b) we have had a reasonable opportunity to act on that

knowledge. You agree that we may pay or certify checks drawn on or before the date of death or adjudication of

If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or

similar order relating to your account (termed "legal action" in this section), we will comply with that legal action as required

by applicable law. However, nothing in this agreement shall be construed as a waiver of any rights you may have under

applicable law with regards to such legal action. Subject to applicable law, we may, in our sole discretion, choose to freeze

the assets in the account and not allow any payments or transfers out of the account until there is a final court determination

regarding the legal action. We may do these things even if the legal action involves less than all of you. In these cases, we

will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your

account or in any way restricted access to your funds in accordance with the legal action and applicable law. Any fees or

expenses we incur in responding to any legal action (including, without limitation, attorneys' fees, and our internal expenses)

may be charged against your account, unless otherwise prohibited by applicable law. The list of fees applicable to your

account(s) - provided elsewhere - may specify additional fees that we may charge for responding to certain legal actions.

(31) Legal Actions Affecting Your Account

(32) Account Security

Your Duty to Protect Account Information and M ethods of Access.

Our policy may require methods of verifying

your identity before providing you with a service or allowing you access to your account. We can decide what

identification is reasonable under the circumstances. For example, process and identification requirements may vary

depending on whether they are online or in person. Identification may be documentary or physical and may include

collecting a fingerprint, voiceprint, or other biometric information.

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(28) Death or Incompetence, Continued

incompetence for up to ten (10) days after your death or adjudication of incompetence unless ordered to stop payment by

someone claiming an interest in the account.

Accounts may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is appointed to act on behalf

of and for the benefit of another. We are not responsible for the actions of a fiduciary, including the misuse of funds. This

account may be opened and maintained by a person or persons named as a trustee under a written trust agreement, or as

executors, administrators, or conservators under court orders. You understand that by merely opening such an account, we

are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to monitor or

enforce the terms of the trust or letters.

You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report

by a credit reporting agency.

(29) Fiduciary Accounts

(30) Credit Verification

It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you

for your accounts. You should also safeguard your username, password, and other access and identifying information

when accessing your account through a computer or other electronic, audio, or mobile device or technology. If you give

anyone authority to access the account on your behalf, you should exercise caution and ensure the trustworthiness of that

agent. Do not discuss, compare, or share information about your account numbers with anyone unless you are willing to

give them full use of your money. An account number can be used by thieves to issue an electronic debit or to encode your

number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device

or information and grant actual authority to make transfers to another person (a family member or coworker, for

Subject to federal and state law, we may monitor or record phone calls for security reasons, to maintain a record, and to

ensure that you receive courteous and efficient service. You consent in advance to any such recording.

To provide you with the best possible service in our ongoing business relationship for your account, we may need to contact

you about your account from time to time by telephone, text messaging, or email. In contacting you about your account, we

may use any telephone numbers or email addresses that you have previously provided to us by virtue of an existing business

relationship or that you may subsequently provide to us.

(34) M onitoring and Recording Telephone Calls and Account Communications

You acknowledge that the number we use to contact you may be assigned to a landline, a paging service, a cellular wireless

service, a specialized mobile radio service, other radio common carrier service, or any other service for which you may be

charged for the call. You acknowledge that we may contact you by voice, voicemail, or text messaging. You further

acknowledge that we may use pre-recorded voice messages, artificial voice messages, or automatic telephone dialing systems.

If necessary, you may change or remove any of the telephone numbers, email addresses, or other methods of contacting you

at any time using any reasonable means to notify us.

(35) Claim of Loss

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(32) Account Security, Continued

You must also take precaution in safeguarding your blank checks. Notify us at once if you believe your checks have been

lost or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely

yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we

substantially contributed to the loss).

Positive Pay and Other Fraud Prevention Services.

Except for consumer electronic fund transfers subject to

Regulation E, you agree that if we offer you services appropriate for your account to help identify and limit fraud or other

unauthorized transactions against your account, and you reject those services, you will be responsible for any fraudulent or

unauthorized transactions which could have been prevented by the services we offered. You will not be responsible for

such transactions if we acted in bad faith or to the extent our negligence contributed to the loss. Such services include

positive pay or commercially reasonable security procedures. If we offered you a commercially reasonable security

procedure which you reject, you agree that you are responsible for any payment order, whether authorized or not, that we

accept in compliance with an alternative security procedure that you have selected. The positive pay service can help

detect and prevent check fraud and is appropriate for account holders that issue a high volume of checks, a lot of checks to

the general public, or checks for large dollar amounts.

example) who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by

that person are no longer authorized. Your account number can also be used to electronically remove money from your

account, and payment can be made from your account even though you did not contact us directly and order the payment.

Unless required by law or we have agreed otherwise in writing, we are not required to act upon instructions you give us via

facsimile transmission, email, voicemail, or phone call to a facsimile number, email address, or phone number not designated

by us for a particular purpose or for a purpose that is unrelated to the request or instruction.

(3 3 ) Instructions From You

The following rules do not apply to a transaction or claim related to a consumer electronic fund transfer governed by

Regulation E (e.g., an everyday/one-time consumer debit card or ATM transaction). The error resolution procedures for

consumer electronic fund transfers can be found in our initial Regulation E disclosure generally titled, "Electronic Fund

Transfers. " For other transactions or claims, if you claim a credit or refund because of a forgery, alteration, or any other

We may place an administrative hold on the funds in your account (refuse payment or withdrawal of the funds) if it becomes

subject to a claim adverse to (1) your own interest; (2) others claiming an interest as survivors or beneficiaries of your

account; or (3) a claim arising by operation of law. The hold may be placed for such period of time as we believe reasonably

necessary to allow a legal proceeding to determine the merits of the claim or until we receive evidence satisfactory to us that

the dispute has been resolved. We will not be liable for any items that are dishonored as a consequence of placing a hold on

funds in your account for these reasons.

(37) Changes in Name and Contact Information

You are responsible for notifying us of any change in your name, address, or other information we use to communicate with

you. Unless we agree otherwise, notice of such a change must be made in writing. Informing us of your address or name

change on a check reorder form is not sufficient. We will attempt to communicate with you only by use of the most recent

information you have provided to us. If provided elsewhere, we may impose a service fee if we attempt to locate you.

(38) Resolving Account Disputes

To the extent permitted by law, you waive any notice of non-payment, dishonor or protest regarding any items credited to or

charged against your account. For example, if you deposit an item and it is returned unpaid or we receive a notice of

nonpayment, we do not have to notify you unless required by federal Regulation CC or other law.

(39) Waiver of Notices

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unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit

containing whatever reasonable information we require concerning your account, the transaction, and the circumstances

surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or

stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and

circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or

consequential damages, including loss of profits or opportunity, or for attorneys' fees incurred by you. You agree that you

will not waive any rights you have to recover your loss against anyone who is obligated to repay, insure, or otherwise

reimburse you for your loss. You will pursue your rights or, at our option, assign them to us so that we may pursue them.

Our liability will be reduced by the amount you recover or are entitled to recover from these other sources.

We may impose early withdrawal penalties on a withdrawal from a time account even if you don' t initiate the withdrawal. For

instance, the early withdrawal penalty may be imposed if the withdrawal is caused by our setoff against funds in the account

or as a result of an attachment or other legal process. We may close your account and impose the early withdrawal penalty on

the entire account balance in the event of a partial early withdrawal. See your separately provided notice of penalty for early

withdrawal for additional information.

(36) Early Withdraw al Penalties

(and involuntary w ithdraw als)

(35) Claim of Loss, Continued

(40) Additional Terms

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