CUSTOMER WELCOME GUIDE

EXCELLENCE IN SERVICE We are excited to welcome you to United Bank and are truly grateful for the opportunity to continue to serve you. With over 180 years of banking tradition, we are well positioned to meet your needs by providing the technology, products and expertise you’d expect from a big bank, with the personal touch and local decision-making of your neighborhood bank.

With a history of safe, sound and secure banking practices, United Bank’s impact can be felt in communities both big and small. Today, we have 138 full-service banking locations, 15 loan origination offices and more than 2,300 employees across the Mid-Atlantic region.

Through every chapter of our story, we’ve stayed true to our mission of providing excellence in service to our employees, our customers, our shareholders and our communities. Along the way, we have never lost sight of our roots as a community bank, because to us, excellence in service means more than providing banking solutions. It means dedicating ourselves to our communities, focusing on relationships and providing premier personal service.

We look forward to joining your community. On May 1, 2020, CresCom Bank, which also operates under the name Carolina Trust Bank, will transition to United Bank. You can feel confident that when the name on your local branch changes, it signifies a joining of talent, a strengthening of communities and a broadening of financial services. You will be greeted by the same local bankers you know and trust. With a shared vision, shared values and a shared commitment to community, we will continue delivering our mission of excellence in service to our growing family of communities.

We are grateful for all Carolina Trust Bank has done for its customers and its communities, and we hope you share our excitement about the opportunities ahead.

EXPANDED NETWORK OF SERVICES

On May 1, 2020, United Bankshares, Inc. will acquire Carolina Financial Services, the parent company of CresCom Bank, with 62 locations throughout the Carolinas. Like Carolina Trust Bank, CresCom Bank will also be transitioning to United Bank during summer 2020. The merger of these locations will provide you with additional banking locations and an expanded ATM network as you travel throughout the Carolinas.

As our footprint grows, so does your ability to access banking services almost anywhere you go. This merger places United Bank among the top 35 largest banks in the U.S. based on market capitalization, with more than 200 banking locations and a large network of ATMs available across the Southeast and Mid-Atlantic. It brings together two of the best-performing banking companies in the country and uniquely positions United Bank as the leading community bank in the region. COMMITMENT TO COMMUNITY WHAT SETS While United Bank continues to grow and advance, our steadfast US APART commitment to providing excellence in service to our customers and our communities remains constant. Our legacy of active community OUR MISSION participation has been part of our heritage since inception and continues The mission of United today. We pride ourselves on our commitment to meeting the needs Bankshares is excellence in of, fueling opportunities in and combating challenges faced by our service to our employees, communities. Our commitment includes giving our time, talent and customers, shareholders resources to help build a brighter future in the places we call home. and communities. As we join together our family of companies, we bring this same level of commitment to your community. We have already begun the process of learning more about Carolina Trust Bank’s neighborhoods, current BY THE NUMBERS | 2019 relationships, commitments and passions, and getting to know you United Bank’s impact last year and your community. Rest assured, you will see enhanced local focused most in the areas of initiatives from our teams as we continue to support community education, at-risk children, efforts with volunteerism, philanthropy, economic development and economic development and affordable housing initiatives. affordable housing. AWARD-WINNING VOLUNTEERISM $3.1 MILLION United Bank’s employee volunteer program was recently recognized as TOTAL GIVING the Top U.S. Bank Employee Volunteer Program by the American Bankers Association (ABA) Foundation. The honor specifically recognized United Bank’s Community Reinvestment Act (CRA) Action Committee, whose 5,411 VOLUNTEER bank-wide infrastructure connects employees to high-impact volunteer ACTIVITIES opportunities and aligns United’s philanthropic efforts behind common goals to combat community challenges. 331 BOARD From partnering with local organizations on financial literacy initiatives to POSITIONS HELD serving on boards, our employees are active in their community, making a difference each and every day. We are privileged to be part of the efforts 1,085 ORGANIZATION that help revitalize and strengthen local communities, and we look forward & SCHOOL PARTNERS to making a difference in the communities newly served by United Bank.

33,932 VOLUNTEER HOURS

LEARN MORE BankWithUnited.com/about/ commitment-community WELCOME TO UNITED BANK The following pages contain important customer information, including changes to your accounts, office locations, account details and an overview of the transition process. Please read this information carefully and retain it for your records. You will see this symbol when action may be required by you.

Throughout this Welcome Guide, you will find references to the transition weekend. Please see the enclosed timeline document for more details. You may receive additional mailings providing more detailed information on specific accounts or services at a later date.

TABLE OF CONTENTS

5 Customer Service 16 Transaction Posting Order

5 Transition Weekend 16 Automatic Deposits and Payments (ACH)

5 Office Locations and Hours 16 Overdraft Protection and Services

6 Deposit Account Features 16 Wire Transfers

6 Your Account Number 17 FDIC Insurance

6 United Bank’s Routing Number 17 Certificates of Deposit

7 Personal Accounts: Transition Information 17 Certificate of Deposit Account Registry Service® (CDARS) 8 Business Accounts: Transition Information 18 Insured Cash Sweep (ICS) 9 Account Statements 18 Loans 10 Personal Online and Mobile Banking 19 Mortgage Loans 13 Checks and Deposit Tickets 20 Personal Fee Schedule 13 Telephone Banking 21 Business Fee Schedule 13 Visa® Debit Cards 22 Privacy Policy 14 Business Online and Mobile Banking 24 Terms and Conditions of Your Account 15 Remote Deposit 32 Electronic Fund Transfers 15 Other Business Services 34 Funds Availability 16 Business Day 36 Truth-in-Savings Disclosure 16 Funds Availability

4 CONTACT CUSTOMER SERVICE

THROUGH THE FRIDAY BEGINNING THE SATURDAY OF TRANSITION WEEKEND, you may begin contacting the OF TRANSITION WEEKEND until United Bank Customer Service Center at 800.327.9862. 2:00 p.m., contact your local Carolina Trust Bank office. Your Standard Hours: local branches will be available to Monday–Friday: 8:30–5:00 assist when they reopen Monday, Saturday: 9:00–1:00 post-transition. Special Post-Transition Hours: Saturday of transition weekend: 9:00–3:00 Monday, post-transition through Friday, post-transition: 8:30–6:00

United Bank offers 24/7 support for personal online banking customers, effective the Monday post-transition, by calling the United Bank Customer Service Center and following the prompts.

TRANSITION WEEKEND AT 2:00 P.M. ON THE FRIDAY OF TRANSITION WEEKEND, all Carolina Trust Bank offices will close to prepare for the transition. Upon completion of the transition, you will have access to an expanded number of banking locations and ATMs, soon to include 62 CresCom Bank locations throughout North Carolina and South Carolina, as they will also become United Bank at the end of summer. As you travel throughout the Mid-Atlantic, you will also enjoy an expanded network of locations throughout Virginia, Maryland, Pennsylvania, West Virginia and Washington, D.C. Please visit BankWithUnited.com to find all United Bank office locations. AT 9:00 A.M. THE MONDAY POST-TRANSITION, all Carolina Trust Bank offices will reopen as United Bank Offices. All office drive-ups and lobbies will be fully functional at this time.

OPERATING HOURS POST-TRANSITION LOBBY DRIVE-UP

Clover 803-222-7660 | 124 North Main Street, Clover, SC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

Triangle 704-483-9598 | 1293 Highway 16 North, Denver, NC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

Forest City 828-245-2262 | 142 North Watkins Drive, Forest City, NC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

Gastonia 704-867-4000 | 534 South New Hope Road, Gastonia, NC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

Hickory 828-322-1912 | 11 13th Avenue NE, Hickory, NC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

Lake Lure 828-487-6001 | 103 Arcade Street, Lake Lure, NC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

Lake Wylie 803-831-8933 | 5196 Charlotte Highway, Lake Wylie, SC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

Lincolnton Main 704-735-1104 | 901 East Main Street, Lincolnton, NC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

Lincolnton West 704-732-8051 | 799 Highway 27, West Lincolnton, NC M–F 9:00–5:00 M–F 9:00–5:00

Mooresville* 704-799-6702 | 125-E Trade Court, Mooresville, NC M–F 9:00–5:00 N/A

Vale 704-762-5180 | 9584 Highway 10 West, Vale, NC M–F 9:00–5:00 M–Th 9:00–5:00; F 9:00–5:30

* This office closes daily from 12:30–1:30. This office does not offer drive-up services.

5 FEATURES INCLUDED WITH EVERY UNITED BANK DEPOSIT ACCOUNT • Free Online Banking with Bill Pay • Free Mobile Banking with Mobile Check Deposit • Free eStatements • Free Balance and Activity Alerts • Free Personal Finance (An online money management program) 1 • Free use of Zelle® — fast, safe and easy way to send money to family and friends* 1 • United Bank Visa® Debit Card (No monthly fee. Other fees may apply.) • Free 24-Hour Access to Telebanc • More than 400 Fee-Free ATMs

YOUR ACCOUNT NUMBER Your account number(s) will remain the same unless you have been notified otherwise.

UNITED BANK’S ROUTING NUMBER For your convenience, please note United Bank’s routing number: 056004445.

You may begin using this after transition weekend. Additional information pertaining to specific services can be found within.

EXPLORE YOUR OPTIONS We will introduce many United Bank accounts throughout the Welcome Guide, however, we have a wide array of services and accounts available to you. Please visit BankWithUnited.com to learn more and open an account online.

*Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

6 PERSONAL ACCOUNTS Transition Information

Your account is free of If your current Carolina Trust Your new United Bank Otherwise, your monthly monthly maintenance fees Bank account is: account will be: maintenance fee will be: if you maintain: Non-Interest Checking Accounts Carolina Basic United Free Checking No minimum balance No monthly maintenance fee Carolina Classic Carolina Checking Carolina Free Kasasa Cashback Carolina Prime Carolina Prime $100 minimum daily balance, $5 (Account will remain the same) OR direct deposit Interest Checking Accounts Carolina Classic Plus VIP Interest Checking No minimum balance No monthly maintenance fee Carolina Club 2 Kasasa Cash Carolina Elite 3 Platinum Checking $2500 minimum balance $10, OR $8 if eStatements are selected Carolina Premium 4 Health Savings Health Savings No minimum balance No monthly maintenance fee Money Market Accounts 4 Carolina Money Market Money Market Investment $1,000 minimum daily balance, $10 (If your average year-to-date OR $2,000 average monthly ($15 excessive withdrawal fee per Money Market balance is less than $15,000) balance item if over 6 per cycle) Money Market Plus Money Market Consumer Carolina Money Market Super Money Market $15,000 minimum daily balance $10 (If your average year-to-date ($15 excessive withdrawal fee per Money Market balance is greater than or equal item if over 6 per cycle) Money Market Plus to $15,000) Money Market Consumer Savings Accounts Carolina Minor Savings 4 Platinum Savings No minimum balance No monthly maintenance fee ($5 excessive withdrawal fee per Carolina Personal Savings item if over 6 per month) Kasasa Saver Kasasa Saver Cashback Carolina Christmas Club 4 Christmas Club 5 No minimum balance No monthly maintenance fee (Account will remain the same) Funeral Trust Savings Pre-Need Burial Fund No minimum balance No monthly maintenance fee

1 Available for personal deposit customers only. 2 Existing Carolina Club customers will continue to receive free wallet & duplicate 1-on checks. 3 Existing Carolina Elite customers will continue to receive free wallet & duplicate 1-on checks, free cashier’s checks, free 3x5 safe deposit box. 4 Interest rates will remain the same upon transition. All rates are subject to change thereafter. 5 Christmas Club will pay interest on October 20 and then transfer funds out on October 21. A new club account number must be opened after 2020 payout.

7 BUSINESS ACCOUNTS Transition Information

Your account is free of If your current Carolina Trust Your new United Bank Otherwise, your monthly monthly maintenance Bank account is: account will be: maintenance fee will be: fees if you maintain: Business Non-Interest Checking Accounts 1 Business Checking 2 Free Business Checking No minimum balance No monthly maintenance fee ($0.25 charge for each item over Carolina Business Basic 500 per statement) Carolina Business Advantage 2 Commercial Analysis 2 Analyzed Business Checking Varies based on account $15 (plus per item fees which may (with same Carolina Trust Bank fee activity and earnings credit be offset by earnings credit) Carolina Commercial structure) Carolina Community CK 2 Nonprofit Checking No minimum balance No monthly maintenance fee

Business Interest Checking Accounts Carolina Business Plus Business Checking Plus $1,000 minimum daily $10 ($0.50 per check charge for balance, OR $2,000 average each check over 250 in a given Carolina Community CK Plus monthly balance cycle) Carolina Community Plus 3 Community Checking 3 Public Funds Interest Checking Plus – Public Funds $1,000 minimum daily $10 ($0.50 per check charge for balance, OR $2,000 average each check over 250 in a given monthly balance cycle) Carolina Premium IOLTA Checking No minimum balance No monthly maintenance fee Business Checking (If used for IOLTA purposes) Business Money Market Accounts 4 Business Money Market Money Market Investment $1,000 minimum daily $10 ($15 excessive withdrawal fee (If your average year-to-date balance is balance, OR $2,000 average per item if over 6 per cycle) 5 6 Money Market Business less than $15,000) monthly balance Carolina Money Market 5 6 Business MMA Super Money Market (If your average $15,000 minimum daily $10 ($15 excessive withdrawal fee year-to-date balance is greater than or balance per item if over 6 per cycle) 7 Money Market Business equal to $15,000) Carolina Money Market 7 MM Public Funds Regular Money Market Investment – Public $1,000 minimum daily $10 ($15 excessive withdrawal fee Funds (If your average year-to-date balance, OR $2,000 average per item if over 6 per cycle) MM Public Funds Blended balance is less than $15,000) monthly balance MM Public Funds Regular Super Money Market – Public Funds $15,000 minimum daily $10 ($15 excessive withdrawal fee (If your average year-to-date balance is balance per item if over 6 per cycle) MM Public Funds Blended greater than or equal to $15,000) Business Savings Accounts Business Savings 8 Platinum Savings – Business No minimum balance No monthly maintenance fee ($5 excessive withdrawal fee per item if over 6 per month)

1 Any nonprofit customers using this category will migrate into a Nonprofit Checking product instead – no monthly maintenance fee. 2 Any public funds customers using these categories will migrate into a non-interest Public Funds Checking product – no monthly maintenance fee. 3 Any nonprofit customers using this category will migrate into a Checking Plus Nonprofit product – same charges as Business Checking Plus. 4 Carolina Trust Bank interest rates will remain the same upon transition. All rates are subject to change thereafter. 5 Any nonprofit customers using this category will migrate into a Money Market Investment Nonprofit product – same charges as the business version. 6 Any public funds customers using this category will migrate into a Money Market Investment Public Funds product – same charges as the business version. 7 Any public funds customers using this category will migrate into a Super Money Market Public Funds product – same charges as the business version. 8 Any nonprofit customers using this category will migrate into a Platinum Savings Nonprofit product – no monthly maintenance fee.

8 ACCOUNT STATEMENTS Your Last Carolina Trust Bank Statement Your last Carolina Trust Bank account statement will be as of the Friday of transition weekend. Interest will be paid on interest-bearing checking, money market and savings accounts through the Sunday of transition weekend. No service charges will be assessed until your next regular statement. Your First United Bank Statement Personal account statements will be mailed in the same time frame as your current statement, with a variance of only a few days. Business account statements will follow the same mail schedule as your current statement. Savings statements will be mailed quarterly unless you have an electronic transaction or a combined statement. Additional interest will be paid (if earned) at each month end for savings statements and on regular statement cycle dates for interest-bearing checking accounts. Combined Statements If you have accounts (e.g., checking, savings, CDs) that are combined into one monthly statement, you will continue to receive combined monthly statements with United Bank. eStatements If you have eStatements selected with Carolina Trust Bank, you will automatically continue to receive eStatements with United Bank. If you currently receive paper statements, but would like to begin receiving eStatements with United Bank, making the switch is easy. Beginning the Monday post-transition, simply log into United Online Banking, click on the customer service tab and make the change. You may modify your selections for all accounts anytime through your online banking account. Please note: If any of your enrolled eStatement accounts are closed, those eStatements will not be available within United Bank Online Banking. We recommend you either print or save your Carolina Trust eStatements prior to transition weekend. Eighteen months of your Carolina Trust Bank eStatement history will be available online. There may be a few weeks delay in viewing your most recent eStatements. If you need to access a statement before eStatements are available within United Bank Online Banking, please visit any United Bank office or call United Bank’s Customer Service Center at 800.327.9862

New Deposit Statement Y 0002169788

Last statement: February 12, 2020 Page 1 of 3 This statement: March 12, 2020 0000000000 KEY STATEMENT FEATURES ARE: Total days in statement period: 29 (0)

Direct inquiries to: 800 327 9862 CUSTOMER NAME Summary Section CUSTOMER ADDRESS United Bank CUSTOMER ADDRESS 500 Virginia St East PO Box 393 Here, at a glance, are the highlights of your Charleston WV 25322-0393 accounts, including: account number, average balance, beginning and ending United Free Checking Account number 0000000000 Beginning balance $1,000.00 balance and a quick read of the total Low balance $1,000.00 Total additions $1,000.00 Average balance $1,000.00 Total subtractions $1,000.00 additions and subtractions. Avg collected balance $1,000.00 Ending balance $1,000.00 CHECKS Number Date Amount Number Date Amount Checks Section 1400 03-04 77.34 This section sequentially lists the checks that DEBITS Date Description Subtractions cleared the account during the statement 02-27 ' Electronified Check 10.00 period. Power CHECK PYMT 0000000 CREDITS Date Description Additions 02-25 ' ACH Deposit 1,000.00 TRANSFER TRANSACTION Debits & Credits XXXXX The debits and credits for the account are DAILY BALANCES listed in separate sections in chronological Date Amount Date Amount Date Amount 02-12 $1,000.00 02-26 $1,000.00 03-03 $1,000.00 order. 02-25 $1,000.00 02-27 $1,000.00 03-04 $1,000.00

Overdraft Summary OVERDRAFT/RETURN ITEM FEES Total for Total This section summarizes the fees charged this period year-to-date to the account related to overdrafts and Total Overdraft Fees $0.00 $0.00 returned items for the statement period and Total Returned Item Fees $0.00 $0.00 the year. BankWithUnited.com

9 PERSONAL ONLINE AND MOBILE BANKING Carolina Trust Bank offers Online and Mobile Banking. Online Banking is accessed through a traditional web browser, while Mobile Banking is accessed through Carolina Trust Bank’s Mobile Banking app. Carolina Trust Bank’s Online and Mobile Banking require separate usernames and passwords, while United Bank’s Online and Mobile Banking use the same username and password. This will allow you to have access to Online and Mobile Banking via the same User ID/Password for both systems as a United customer. Please be sure to confirm the email address and phone number within Carolina Trust Bank Online Banking are correct before transition weekend. Personal Online Banking If you are originally registered in Carolina Trust Bank Online Banking, your Online Banking account will automatically be converted to United Bank Online Banking on the Monday post-transition. While some of the Online Banking features will also automatically convert from Carolina Trust Bank to United Bank, you will have to re-establish others within United Bank Online Banking on or after the Monday post-transition. See page 11 for additional details. If you are currently ONLY registered in Carolina Trust Bank Mobile Banking, your Mobile Banking User ID will become your United Bank User ID, but you will need to re-establish all other features. You must log in to Online Banking prior to accessing the Mobile Banking app.

For additional details, please visit BankWithUnited.com/CarolinaTrust.

User ID

Password

HOW TO ACCESS UNITED ONLINE BANKING 1. Beginning the Monday post-transition, visit the United Bank 3. A one-time security code will be sent to you via text message website at BankWithUnited.com. or phone call. Security questions are not an option for authentication. 2. Enter your User ID. 4. Once you have entered the security code, enter your If you registered through Online Banking, this will be the same temporary password, which is the last 6 digits of your Social as your Carolina Trust Bank Online Banking User ID, but in all Security number. Note: This temporary password will expire lower case. 60 days post-transition.

If you registered only through Mobile Banking, this will be the 5. The Reset Password screen will be presented to change same as your Carolina Trust Bank Mobile Banking User ID, your password. Passwords are case sensitive, must be but in all lower case. alphanumeric and between 8-32 characters. eSign Prompt will be presented to accept the Terms and Conditions. Once logged When prompted, click Sign In. in, you will be routed to the Financial Center Dashboard.

10 Online Banking Features

The Following Online Banking Features Will Automatically Convert from Carolina Trust Bank to United Bank Account History Up to 180 days of account history will be available depending on account type. Historical balances will be available beginning on Tuesday post-transition. Account Balances Up to 180 days of account history will be available depending on account type. Historical balances will be available beginning on Tuesday post-transition. Alerts Standard alerts will be converted. Log into your United Online Banking account to set up your alert preferences. For additional details, please visit BankWithUnited.com/CarolinaTrust. Bill Pay Payees Payees will be converted. Payees you have hidden will also be included. If you do not wish to see these payees, you will have the ability to hide them in United Online Banking. Bill Payments – Any payments dated after the Friday of transition Scheduled weekend will automatically be converted. Please verify details of future dated payments post-transition. Please note United’s Bill Payment processing schedule is different than Carolina Trust’s. Please refer to the Bill Pay section below for more information. eStatements Up to 18 months for open accounts will be available. eStatements for closed accounts will not be available. Please print and/or save your Carolina Trust eStatements prior to transition weekend. Internal Funds All scheduled internal transfers will be converted. Transfers Please verify details of any scheduled transfers post- transition. The same eligible accounts for transfers at Carolina Trust Bank will be available at United Bank.

The Following Online Banking Features WILL NOT be Automatically Converting from Carolina Trust Bank to United Bank Account Nicknames Please re-establish any account nicknames on/after the Monday post-transition. Alerts Customized/SMS Guardian alerts will not be converted. Log into your United Online Banking account to set up alert preferences. For additional details, please visit BankWithUnited.com/CarolinaTrust. Person-to-Person Carolina Trust Bank’s person-to-person payments Payments feature will not be converted. United Bank offers a person-to-person payment service through our mobile banking app called Zelle®. External Funds Please refer to the transition timeline sheet to identify Transfers when one-time and recurring transfers will no longer be processed. You may re-establish scheduled external transfers in United Online Banking beginning the Monday post-transition. Quicken and Prior to transition-Friday, you will need to take action to QuickBooks transition your connection to United Bank. Instructions to convert your account information to United Bank within Quicken and QuickBooks are available at BankWithUnited.com/CarolinaTrust.

11 Mobile Banking Carolina Trust Bank Mobile Banking will be placed into view-only mode on the Friday of transition weekend. United Bank Mobile Banking will be available on the Monday post-transition and offers text banking and smartphone/tablet apps for Apple and Android devices. MOBILE BANKING USERS Any services, such as Bill Pay, Internal Funds Transfers, and External Funds Transfers that you have established in Mobile Banking must be re-established. In order to resume using United Bank’s Mobile Banking, you will need to first sign in through United Bank’s Online Banking at BankWithUnited.com and then download the Bank With United mobile app.

For additional details, please visit BankWithUnited.com/CarolinaTrust.

Getting Started To use United Bank Mobile Banking, you will first need to log in to your United Bank Online Banking account at BankWithUnited.com on or after Monday, post-transition. Please see page 10 for instructions for your first sign-in through United Bank Online Banking.

Bank With United mobile app is available for download Text Banking is available by enrolling your mobile on the App Store & GoogleTM Play and is Free with your device in the Mobile Banking Center within United United Bank checking or savings account. Bank Online Banking.

Mobile Deposit Safely and securely deposit checks through the Bank With United mobile app. • The standard mobile deposit limits at United Bank are:

Daily: $3,000 per single deposit ($3,000 per day) with a maximum of 8 transactions per day.

Multi-day: $5,000 in 10 business (14 calendar) days with a maximum of 10 transactions. • Deposit limits available to you will be displayed within United Bank Mobile Banking. • Mobile Deposits made before 6pm EST will typically be available the following business day. Bill Pay United Bank’s Bill Pay feature can be found in Online Banking under the Pay and Transfer tab. You may make bill payments electronically or via a paper check. Please note: If you are only registered through Carolina Trust Bank’s Mobile Banking, you will need to enroll into Bill Pay through Online Banking before it becomes available in Mobile Banking. BILL PAY LIMITS United Bank Bill Pay has a transaction limit of $9,999.99 and a daily limit of $20,000.00.

BILLS PAID ELECTRONICALLY BILLS PAID BY CHECK Electronic Bill Pay will confirm your balance to ensure the funds Bills paid by check (non-electronic payments) are made with are available before it pays your bill (such as electric, gas, phone). a substitute check from your account. The funds are verified If you do not have enough money in your account on the date your before the check is sent. If funds are not available, the payment payment is scheduled to be sent, your payment will be canceled. is canceled rather than your account being issued a fee for You will be notified by email if your payment is canceled or delayed insufficient funds. You will be alerted if your payment is not so you can take the appropriate action to pay the bill. You may processed due to insufficient funds. also set up an alert in Online Banking to receive an email when a payment is sent. Please note: The funds for the check bill payment will be deducted from your account when the check is scheduled to be sent. Please note: The funds will be deducted from your account the day the electronic bill payment is sent.

12 CHECKS AND DEPOSIT TICKETS Carolina Trust Bank personalized checks and deposit tickets for personal and business checking, savings and money market accounts may continue to be used after the transition. If you have any over-the-counter non-personalized checks or deposit tickets, those must be destroyed as they will not process properly. When you place your next check order post-transition with our preferred provider, Deluxe, using your Carolina Trust Bank information, it will automatically convert to United Bank’s information and routing number. You may place your order direct by visiting BankWithUnited.com and Deluxe.com, or by calling Deluxe at 877.838.5287 for personal and 800.252.3414 for business. When ordering, verify your imprint information, the package starting number and the product information to ensure accuracy. TELEPHONE BANKING ® You will continue to have access to Carolina Trust Bank Telephone VISA DEBIT CARDS Banking until 8:00 p.m. on the Friday of transition weekend. (PERSONAL & BUSINESS) Telebanc, the United Bank telephone banking system, will be available to you on the Monday post-transition at 8:00 a.m. With Telebanc you may You may continue to use your Carolina Trust Bank establish telephone banking access, obtain account balance information, Visa Debit Card, as these will be automatically activate your ATM card or Visa Debit Card and transfer funds between converted to the United Bank system. We will accounts. notify you at a later time when United Bank will issue you a new United Bank Visa Debit Card. Getting Started Beginning the Monday post-transition, all standard • To activate your United Bank Telebanc account, call 877.334.4646. debit card limits will be $3,000 for point-of-sale transactions and $525 for ATM transactions. • For added security, you will enter your Account Number rather than The standard daily limit of transactions will be your Social Security number to access your information. 25. If your account has higher limits previously- established with Carolina Trust Bank, they will • The first time you call, enter the last four digits of the primary remain unchanged with United Bank. account holder’s Social Security number as your PIN. Debit Card Fraud Monitoring will automatically • You will be prompted to choose a new PIN. Joint account holders continue with United Bank to alert you of will need to share the same PIN for access to Telebanc. suspicious activity. There is no action required on your part. If enrolled in online banking, you can • On the Monday post-transition, account transaction activity will be add custom alert preferences after the transition, available for any transaction posted during transition weekend. through United Bank Online Banking by clicking on United Telebanc does not allow for one master number to access all your the Customer Service tab. accounts. You will need to enter an individual account number to access Carolina Trust CashBack Rewards will be each account’s information. discontinued as of the Wednesday before transition weekend. Any rewards earned and posted will be credited to your account by the Thursday before transition weekend. Instant issuance of debit cards will no longer be available in offices. If you need to replace your card, please call 800.724.3259 and a new card will be issued. All cardholders will receive a newly-issued card in the mail from United in the three months following the conversion. Cardholders with cards expiring in May will receive their reissued United Bank Debit Card in May. If you have any issues regarding your United Bank Debit Card, please contact United Bank Customer Service at 800.724.3259.

13 BUSINESS ONLINE AND MOBILE BANKING Carolina Trust Bank’s Business Online Banking service will be disabled at 5:00 p.m. on the Friday before transition weekend. Business Online Banking will automatically be converted to United Bank Business eBanking on the Monday post-transition. Administrators will receive a separate letter with detailed information on United Bank Business eBanking. Additionally, United Bank will host a series of webinars to help make this transition easy for you. Please watch for the announcement on webinar dates and times. We believe you will find Business eBanking to be an excellent tool in managing your company’s finances. Some features include: • Customizable home page with personalized widgets for a variety of activities • Images of checks, deposit tickets and deposited items • Numerous informational, transactional and anti-fraud alerts • Integrated Positive Pay and ACH Positive Pay (optional services) • Up to 18 months of account transaction history (Up to 3 months of Carolina Trust Bank transaction history will convert to Business eBanking) • Electronic delivery of reports including EDI, ACH returns and other notices Preview Period Business eBanking will be available for preview prior to the transition. The preview period will not contain account balances and transaction history. However, it will allow you to preview the system and make changes to user entitlements and funds transfer templates, including ACH and wire templates. Letters that provide more details will be mailed to your Administrator. Please refer to the transition timeline for the dates of the preview period.

HOW TO ACCESS UNITED BANK BUSINESS EBANKING

Beginning on the Monday post-transition, visit the United Bank exclude spaces and special characters such as commas and website at BankWithUnited.com. underscores. If your User ID currently contains spaces and/or special characters, these will be removed. 1. Choose Business from the main menu 3. Click Sign In. 2. On the Business Banking Page: 4. Enter your temporary password. The temporary password for Enter your Company ID. A seven-digit Company ID number will your first login will be “United1” plus the first three letters of be mailed to Administrators separately. your User ID.

Enter your User ID, which is the same as your current 5. Once logged in, you will be routed to the Financial Center Online Banking User ID; however, the User ID for United Dashboard, where you will see the same account information Bank’s Business eBanking is alphanumeric only and will as you did with Carolina Trust Bank.

USER GUIDES: A Getting Started reference guide for Business eBanking can be found at BankWithUnited.com/BeB-QRG. There you will also have access to an Administration Reference Guide to assist you with adding, modifying and deleting users and their access to your company’s accounts. Other helpful reference guides for commonly used features can also be found there.

14 BANK WITH UNITED BUSINESS MOBILE APP

For your convenience, United Bank offers a business mobile app, Bank With United Business.

The app is available for download on the App Store and Google™ Play and is free with your United Bank business checking or savings account.

FEATURES & SERVICES • Funds Transfers* • Balance & Transaction Inquiry • Bill Pay with Payee Management • Mobile Deposit** • Check-Image Viewing • Wire, ACH and Positive Pay Approvals+

* A federal regulation limits the number of transfers that may be made from Savings and Money Market Deposit Accounts. ** $5,000 daily deposit limit; $15,000 multi-day deposit limit (multi-day is a 10 business day span); 10 item daily deposit limit; 15 item multi-day limit (multi-day is a 10 business day span).

REMOTE DEPOSIT Carolina Trust Bank Remote Deposit will become United Bank Remote Deposit Capture on the Monday post-transition. Remote Deposit users may continue to use the same scanning equipment with the same login information they currently use.

The look and feel of the system will be the same, but you will notice United Bank’s colors and branding. United Bank will be converting Carolina Trust Bank Remote Deposit customers to an improved Remote Deposit Service at a later date. A separate mailing will be sent in the coming days containing detailed information. If you have any questions, please contact United Bank Treasury Management Operations at 800.615.0112.

OTHER BUSINESS SERVICES • Your merchant processing and third-party payroll processing will not change. • All sweep account relationships, including zero balance accounts (ZBAs), will remain the same with no changes in fees.

15 BUSINESS DAY AUTOMATIC DEPOSITS AND Transactions (deposits, checks, loan payments, PAYMENTS (ACH) etc.) made at an office through the end of the business day will post the same day. You will be Any direct deposits or automatic payments on your current account will able to make same-day transactions as late as continue automatically. No action is needed on your part. When establishing 7:00 p.m. at offices with drive-up services. For a new direct deposit or automatic payment after the transition, please use determining the availability of your deposits, every the United Bank routing number 056004445. day is a business day except Saturday, Sunday and federal holidays. If you make a transaction before the end of a business day, that will be considered OVERDRAFT PROTECTION AND SERVICES the date of the transaction. However, if you make a transaction after the end of a business day or on United Bank offers three optional overdraft plans to ensure your a day we are closed, that transaction will be made transactions are covered. on the next business day. • OVERDRAFT TRANSFER: With this option, available funds are automatically transferred from another of your United Bank deposit FUNDS AVAILABILITY accounts to cover the transaction. All transfers will be subject to an $11.00 transfer fee. If you currently utilize this service with Carolina Under United Bank’s policy, you will no longer Trust Bank, it will automatically continue with United Bank. receive same-day availability for ATM withdraws up to $200. Please refer to our complete Funds • OVERDRAFT LINE-OF-CREDIT: This option offers an overdraft Availability Policy on page 34 for more details. protection line-of-credit to pay transactions that would otherwise overdraw your account. This is a loan product subject to credit approval. If you currently utilize this service with Carolina Trust Bank, it TRANSACTION POSTING will automatically continue with United Bank. ORDER • UNITED BANK OVERDRAFT PROTECTION: This is a courtesy service that is established by United Bank based upon your account history. Carolina Trust Bank and United Bank have similar Overdrafts are paid at United Bank’s discretion, which means United transaction posting sequences. Like Carolina Bank does not guarantee transactions are always authorized and paid. Trust Bank, United Bank posts deposited items Overdrafts for ATM or everyday one-time debit card transactions (credits) to your account before payments or are not authorized and paid unless you allow United Bank to do so. withdrawals (debits). Unlike Carolina Trust Bank, Overdrafts paid under this plan are subject to standard United Bank United Bank posts checks first (by check number overdraft fees. If you would like more information or to opt-in to sequence), then by type of transaction (examples: United Bank Overdraft Protection, please visit your local office or call ATM transactions, POS Debit Card transactions, the United Bank Customer Service Center at 800.327.9862 after the ACH, transfers, etc.). See Terms & Conditions for transition. additional information. WIRE TRANSFERS You will continue to receive your incoming wires with Carolina Trust Bank’s routing number 90-days post-transition. However, please notify the originator of your payments to begin using United Bank’s routing number as soon as possible: 056004445. • All outgoing wire requests received by 4:00 p.m. will be processed the same business day. Requests received after that time will be processed the next business day. Outgoing wire requests received via United Bank Business eBanking will be processed until 5:00 p.m. • All outgoing wire transfers will require the full beneficiary address of any individual or business listed on the transaction. • Wire Agreement customers will be required to sign a new agreement and will receive new wire PINs. • Wire Agreement customers will be directed to the Wire Department directly to process their wires once they are on the new agreement. • International wires will require the beneficiary bank’s name, address and proper bank identifier code (Swift, BLZ, Sort Code, BIC, etc.), as well as the purpose of the wire.

16 FDIC INSURANCE All deposits will continue to be FDIC-insured up are renewed for the same term and in the same dollar amount to the maximum amount allowed. In addition, for (either with or without accrued interest) continue to be separately six months after the transition your accounts with Carolina Trust insured until the new maturity date. If a CD matures during the six- Bank will be insured separately from any you may have with United month grace period and is renewed on any other basis, it would be Bank. separately insured only until the end of the six-month grace period. Stop by your local United Bank office on, or before the end of the Any Certificate of Deposit (CD) you have at Carolina Trust Bank six-month timeframe to review your options. For more information will be separately insured until the earliest maturity date. CDs on FDIC insurance, please call 877.ASK.FDIC. that mature during the six months following the transition and

CERTIFICATES OF DEPOSIT Changes in your account terms will be effective when your CD renews as a United Bank account. Interest will accrue on a 365/365 or 366/366 basis: • For CD terms less than three months, interest will now be compounded and credited at maturity. • For CD terms three months or more, interest will now be compounded quarterly and will be credited to your account quarterly. Your new early withdrawal penalty will be equal to: • For an account with an original term of seven days up to and including 31 days, the penalty will be all interest earned, but not less than seven days interest on the amount withdrawn. • For an account with an original term of 32 days up to and including one year, the penalty will be 1% on the amount withdrawn plus $25.00. • For an account with an original term of more than one year, the penalty will be 3% on the amount withdrawn plus $25.00. If your account is automatically renewable, after or at maturity your certificate will renew as a United Bank account at the standard rate of interest with the term closest to, but not exceeding, the term of your certificate. You will have a grace period of 10 calendar days, beginning with the maturity date, to withdraw the funds in the account without being charged an early withdrawal penalty. For Special CD products, after or at maturity, your certificate will renew as a United Bank account at the standard rate of interest being paid on regular certificates with the term closest to but not exceeding the term of your certificate. For No-Penalty CD products, after or at maturity, your certificate will renew as a United Bank No-Penalty account at the standard rate of interest with a term closest to the term of your certificate. Your account will not retain any special features. Your account will become a regular add-on CD, compounding and crediting interest quarterly. IRA state tax withholding and remittance: We cannot withhold and remit state taxes from your IRA distribution(s). No state taxes will be withheld and remitted. IRA transfers or closing fees (United Bank IRA account to an account outside of United Bank) may be assessed against your account in accordance with the fee schedule in effect at the time of account transfer or closing. Early withdrawal penalties may also apply. Fee schedules are available at United Bank offices. Retirement statements will be produced automatically at year end only. If a retirement statement is required prior to the year-end statement, please contact your local United Bank office. United Bank produces a maturity notice for each CD before the CD’s maturity date. This is the only maturity notice United Bank provides. A post maturity date notice is not produced. The interest rate and annual percentage yield have not been determined at the time of the notice production. On or after the CD maturity date, you may visit your local United Bank office, or you may call United Bank’s Customer Service at 800.327.9862 to obtain the new terms of the CD. If your account has the bump-up, step-up, variable rate, no-penalty, relationship or club feature, or allows you to make deposits to the account during the term of the certificate or any other special feature(s), the feature(s) will no longer be available upon renewal. CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE® (CDARS) If you have a CDARS account through Carolina Trust Bank, you will receive a renewal notice going forward detailing where your funds are deposited. For additional information regarding CDARS statements or products offered, call or visit your local office.

17 INSURED CASH SWEEP (ICS) If you have an Insured Cash Sweep (ICS) account, your account will be converted to a United Bank ICS account. Beginning on the Monday post- transition, you will be able to log into the ICS portal at DepositorControl.com. • With your initial login, your username is the Carolina Trust Bank/United Bank transaction account number. Your initial password is the last four digits of your Tax Identification Number (TIN). LOANS • All Carolina Trust Bank loan account numbers will remain the same, however all will be assigned a note number associated with the account. Installment, mortgage and commercial loans will have a note number of 02020 and personal, overdraft and home equity lines of credit (HELOC) will have a note number of 00001. The note number will need to be included for payments made through online banking bill pay. • Personal lines of credit and HELOCs can continue to use Carolina Trust Bank line of credit checks to access their funds. • Post-transition, personal and overdraft line of credit and HELOC payment due dates will fluctuate (within 4 days), but will never be scheduled before your current due date. • Personal and overdraft lines of credit and HELOCs that are 30 days past due will be frozen until they are brought current. Loan Payments • Online payments are a quick and easy way to manage your money. You can schedule a one-time transfer or set up recurring transfers online from your United Bank checking account, which you can modify at any time. • You may also make loan payments at any United Bank office, or, if you prefer to mail your loan payments, use the following address beginning on the Monday post-transition: United Bank Loan Processing Center, PO Box 2373, Charleston, WV 25328-2373. • Any recurring loan payments you have established will continue automatically, unless otherwise notified. If additional payments are made, your recurring loan payment will still be drafted from your account. • Any recurring fees will not draft with your payment. • An autopayment can overdraw your checking account. • External bill pays (payments from another financial institution outside of United Bank) will need to be formatted with the 5-digit note number followed by a 0 and then the 11-digit account number. If your note or account number is not long enough, pre-fill it with zeros (0). Example: if your note number is 02020 and your account number is 1234567, then the format should be 02020000001234567. Loan Statements • If you have overdraft protection and/or HELOC accounts that have combined statements with a checking account(s), you will now receive a separate statement for your loan and checking accounts. • United Bank only sends duplicate billing statements to an alternate address. Duplicate notices for ARM disclosures, NSF notices, paid-off notices and past-due notices will not be sent.

18 • eStatements for loans will be a new feature available to you as a United Bank customer. To enroll in eStatements, simply sign in to United Bank Online Banking post-transition, click on the Customer Service tab, then select Change Statement Delivery Method. You will then have the ability to specify the statement delivery method for each of your accounts, agree to the terms and conditions and click Submit. Additional Loan Information • United Bank uses a third-party vendor for the ongoing tracking of hazard and flood insurance coverage, which is required as part of your loan terms. Any correspondence from this vendor will be addressed from: United Bank ISAOA/ATIMA, P.O. Box 8428, Reston, VA 20195. • You must provide all qualified written requests, notifications of error or requests for general information regarding your consumer loan in writing to: Error Resolution Department, United Bank, PO Box 670, Ripley, WV 25271, Fax: 1.304.373.2540. • If you are disputing a transaction on your loan statement, please describe the error and why you believe that it is an error. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. • To receive your complete consumer loan payoff, you may log into United Online Banking or call your local branch. To view online, click the View Account Information link on the Account Activity page. When calling, please have your account number or Social Security number available. Amounts listed on bill statements should not be used for an accurate payoff amount.

MORTGAGE LOANS

Notice of Servicing Transfer The servicing of your mortgage loan is being transferred, effective on the transition date. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. Carolina Trust Bank is now collecting your payments. Carolina Trust Bank will stop accepting payments received from you after the transition. United Bank will collect your payments going forward. Your new servicer will start accepting payments received from you on the Monday post-transition. Send all payments due on or after the Monday post-transition directly to United Bank: United Bank Loan Processing Center, PO Box 2373, Charleston, WV 25328

If you have any questions for either your present servicer, Carolina Trust Bank, or your new servicer, United Bank, about your mortgage loan or this transfer, please use the contact information below: CURRENT SERVICER: Carolina Trust Bank NEW SERVICER: United Bank Carolina Trust Bank Loan Operations United Bank Loan Processing Center 844.758.7813 800.327.9862 P.O. Box 308, Lincolnton, NC 28093-0308 PO Box 2373, Charleston, WV 25328 Under Federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late and a late fee may not be imposed on you. Notice of Transfer of Ownership The ownership of your mortgage loan will transfer from Carolina Trust Bank to United Bank, effective on the transition date. The transfer of ownership has not been recorded in public records at the time of this notice. The sale of your mortgage loan does not affect any term or condition of the mortgage instruments other than the ownership of the loan and who you shall make payments to. The business address for United that is to be used to make payments is: United Bank, PO Box 2373, Charleston, WV 25328 The legal address for the new owner is: United Bank, 11185 Fairfax Blvd., Fairfax, VA 22030 If you have any questions relating to the transfer of ownership of your mortgage loan to United Bank or to resolve issues concerning payments on your loan, you may contact the United Bank Customer Service Center at 800.327.9862. Partial Payments If you pay less than the full amount of your periodic payment, United Bank may hold the partial payments in a separate account until we receive the full amount of the payment and will then apply the full periodic payment to your loan. If your loan is later sold by United Bank, the new lender may have a different policy.

19

Personal Fee Schedule PERSONAL FEE SCHEDULE

Checking Accounts IRA Savings Wire Transfers

Minimum deposit to open…………………...... $50 United Free Checking Wire Transfers (per wire charge) Minimum balance…………………………… ..... $0 Plus any additional correspondent bank charges Minimum deposit to open ...... $50 Monthly maintenance fee ...... FREE Incoming ...... $15 Minimum balance ...... $0 Early closing or transfer outside bank ...... $50 Outgoing domestic ...... $25 Monthly maintenance fee ...... FREE IRAs are subject to limitations and/or penalties imposed by the IRS. See Outgoing foreign ...... $50 your IRA agreement or tax advisor for additional information. Customer purchases checks. Standard overdraft fees apply. International wire investigation ...... $75

Platinum Checking Online Banking & Bill Pay Minimum deposit to open ...... $50 Other Fees & Services

Minimum balance ...... $2,500 All United Bank personal checking plans offer FREE Account Fees Monthly maintenance fee if balance online banking and FREE unlimited bill payment falls below required minimum: Account charge off fee ...... $25

With paper statements selected ...... $10 Online eBanking ...... FREE Checks With eStatements selected ...... $8 Online Bill Pay ...... FREE Check reject fee (per item) ...... $5 Expedited Bill Pay by check ...... $20 Check printout (each) ...... $2 United Rewards Checking Online banking and bill pay are free unless stated otherwise in your Counter Check (per item) ...... $1 contract with us. Minimum deposit to open ...... $50 (Cashier’s Check) Official Check ...... $8 Minimum balance ...... $0 Sight drafts ...... $10 Monthly maintenance fee per statement cycle: Mobile Banking & Mobile With paper statements selected...…………$10 Deposit Collection Items With eStatements selected……………...…...$8 Bond coupon, per envelope charge ...... $20 15 qualifying check card purchases ...... FREE (US Savings Bonds exempt) All United Bank personal checking plans offer FREE Bond redemption ...... $75 $500 monthly direct deposit ...... FREE Bond return items ...... $35 mobile banking and FREE mobile deposit. If you use your United Check Card for 15 purchase transactions in a Check collection ...... $20 statement cycle, or have a minimum $500 monthly direct deposit, there Mobile Banking ...... FREE Foreign check/FRB draft collection ...... $20 will be no monthly fee. Otherwise, you will be charged $10 per month. Mobile Deposit ...... FREE International check exchange…… ...... ……...$75 United Bank does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees † your wireless carrier may charge you for data usage and text Dormant Account Fee (per month) Money Market Accounts messaging services. Check with your wireless carrier for details Checking accounts after 12 months ...... $10 regarding your specific wireless plan and any data usage or text Money Market accounts after 12 months ...... $10 Money Market Investment Account messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Certain other Savings accounts after 12 months ...... $5 Minimum deposit to open ...... $1,000 restrictions may apply. See the mobile banking terms and If account has no deposits or withdrawals and the customer has had no communication with the Bank about the account. Minimum balance requirements conditions in the United Bank Online Banking service agreement.

$1,000 daily ledger balance OR Duplicate 1099 and 1098 ...... …$5 $2,000 average monthly balance Check Cards / ATM Cards Garnishments, attachments, levies, liens ...... $100 Monthly maintenance fee if balance IRA transfer or closing fee falls below required minimum ...... $10 ATM Transactions Per occurrence ...... $50 Excessive withdrawal fee per item United Bank ATMs ...... FREE Loan or deposit verification letter ...... $20 if over 6 per month ...... $15 Sheetz ATMs ...... FREE Medallion Signature Guarantee ...... $3 Limited items include transfers by telephone, computer, ACH, wire Any non-designated ATMs ...... $2 Notary fee (non-Bank related) ...... $2 transfer, checks or any pre-authorized or automatic transfers. International Transactions Super Money Market Account ATM withdrawals ...... $2 + up to 2.5% of transaction Stop payment ...... $36 Point of sale transactions ...... up to 2.5% of transaction Minimum deposit to open ...... $15,000 Research of records (per hour) ...... $25 Minimum balance requirements~ Check Card & ATM Card Purchases (each) Individual items (per copy) ...... $1+research fee $15,000 daily ledger balance PIN-based purchase ...... FREE Monthly maintenance fee if balance Signature-based transaction ...... FREE Safe Deposit Box

falls below required minimum ...... $10 Drilling, if both keys are lost ...... $165 Excessive withdrawal fee per item Replacement ATM/Check Card ...... $10 Drilling No Show ...... $100 if over 6 per month ...... $15 Late Pay ...... $5

Limited items include transfers by telephone, computer, ACH, wire Lost Key...... $25 transfer, checks or any pre-authorized or automatic transfers. Customer is responsible for any additional costs that involve Overdraft & Returned Items a third-party vendor.

Overdrafts (per item) Statements Savings Accounts NSF return item fee ...... $36 Account/statement printout ...... $5 Overdraft fee ...... $36 eStatements ...... FREE Platinum Savings Unavailable funds ...... $36 Mail Hold Fee (per month) ...... $5 Minimum deposit to open ...... $50 Daily continuous overdraft fee (after 5 days) ...... $5 Undeliverable Statement Fee ...... $5 Minimum balance ...... $0 Transfer charge (account-to-account) ...... $11 Monthly maintenance fee ...... FREE Telephone Requests Excessive withdrawal fee per item Return Items (per item) Transfers ...... $5 if over 6 per month ...... $5 Deposit return item...... $10 Reprocessing of deposit return item...... $10 Limited items include transfers by telephone, computer, ACH, wire

transfer, or any preauthorized or automatic transfers.

† Assessed under applicable state law.

United Bank reserves the right to amend the terms and conditions contained herein.

Products/services may be available only in certain markets. 20

BUSINESSBusiness FEEFee Schedule SCHEDULE

Checking Accounts Savings Accounts Other Fees & Services

Free Business Checking Platinum Savings Account closing fee Minimum deposit to open ...... $50 Account Charge Off Fee ...... $25 Minimum deposit to open ...... $100 Minimum balance ...... $0 Minimum balance ...... $0 Checks Monthly maintenance fee ...... $0 Monthly maintenance fee ...... $0 Check reject fee (per item) ...... $5 Excessive withdrawal fee per item 500 Monthly Transactions ...... FREE Check printout (each) ...... $2 if over 6 per month ...... $5 Transactions include deposited items, checks paid, and deposits. Limited items include transfers by telephone, computer, ACH, wire Counter Check (per item) ...... $1 Transactions above 500 are $0.25 each. transfer, or any pre-authorized or automatic transfers. Cashier’s Check ...... $8 Sight drafts ...... $10 Business Checking Plus Coin and Currency Minimum deposit to open ...... $1,000 Business eBanking & Bill Pay Coin orders (per roll) ...... $0.10

Minimum balance requirements: Currency orders (per $1,000) ...... $0.50 Small Business eBanking ...... FREE Cash Deposit Processing (per $1,000) ...... $0.50 Small Business Bill Pay ...... FREE $1,000 daily ledger balance OR Coin Processing (per $100) ...... $0.50 Expedited electronic Bill Pay ...... $6.00 $2,000 average monthly balance Expedited Bill Pay by check ...... $20.00

Monthly maintenance fee if balance Free bill payment applies to only Free Business Checking accounts. Night Drop Processing Others are subject to $6.75 monthly fee after first 6 months and falls below required minimum ...... $10 $0.50 charge per bill payment above 15 each month. 250 Monthly Checks...... FREE Night Deposit (per drop) ...... $0.75 Ask us about our enhanced online services for larger

Checks above 250 are $0.50 each. businesses. Collection Items

Bond coupon, per envelope charge ...... $20

Analyzed Business Checking Bond redemption (US Savings Bonds Exempt) ...... $75 Check Cards / ATM Cards Bond return items ...... $35 Current Carolina Trust Bank Fee Schedule will apply. Check collection ...... $20 ATM Transactions Foreign check/FRB draft collection...... $20 Note: For interest bearing accounts that are included in United Bank ATMs ...... FREE International check exchange ………………… $75 Sheetz ATMs ...... FREE account analysis, interest will be paid separately to the Any non-designated ATMs ...... $2 Dormant Account Fee† (per month) account . The interest will be added to services as Accrued Checking accounts after 12 months ...... $10 Interest Paid for the analysis calculation. International Transactions Money Market accounts after 12 months...... $10 ATM withdrawals ...... $2 + up to 2.5% of transaction Savings accounts after 12 months ...... $5 Point of sale transactions ...... up to 2.5% of transaction If account has no deposits or withdrawals and the customer has had no communication with the Bank about the account. Check Card & ATM Card Purchases (each) Money Market Accounts PIN-based purchase ...... FREE Duplicate 1099 and 1098 ...... $5 Signature-based transaction ...... FREE Garnishments, attachments, levies, liens...... $100

Money Market Investment Account Loan or deposit verification letter ...... $20 Replacement ATM/Check Card ...... $10 Minimum deposit to open ...... $1,000 Medallion Signature Guarantee ...... $3 Minimum balance requirements: Notary Fee (non-Bank related) ...... $2

$1,000 daily ledger balance OR Overdraft & Returned Items Stop payment ...... $36 $2,000 average monthly balance Overdrafts (per item) Research Monthly maintenance fee if balance NSF return item fee ...... $36 Research of records (per hour)...... …………… ...... $25 falls below required minimum ...... $10 Overdraft fee ...... $36 Individual items (per copy) ...... $1+research fee Unavailable funds ...... $36 Excessive withdrawal fee per item if over 6 per month ...... $15 Daily continuous overdraft fee (after 5 days) ...... $5 Safe Deposit Box

Limited items include transfers by telephone, computer, ACH, wire Transfer charge (account-to-account) ...... $11 Drilling, if both keys are lost ...... $165 Drilling No Show ...... $100 transfer, checks or any pre-authorized or automatic transfers. Return Items (per item) Late Pay ...... $5 Deposit return item ...... $10 Lost Key ...... $25 Reprocessing of deposit return item ...... $10 Customer is responsible for any additional costs that Super Money Market Account involve a third-party vendor. Minimum deposit to open ...... $15,000 Minimum balance requirements: Wire Transfers Statements *$15,000 daily ledger balance Account/statement printout ...... $5 Wire Transfers (Per Wire Charge) eStatements ...... FREE Monthly maintenance fee if balance Plus any additional correspondent bank charges. Mail Hold Fee (per month) ...... $5 falls below required minimum ...... $10 Undeliverable Statement Fee (per month) ...... $5 Incoming ...... $15 Excessive withdrawal fee per item Outgoing Domestic ...... $25 if over 6 per month ...... $15 Telephone Requests Outgoing Foreign ...... $50 Limited items include transfers by telephone, computer, ACH, wire Transfers ...... $5 International Wire Investigation ...... $75 transfer, checks or any pre-authorized or automatic transfers

† Assessed Assessed under under applicable applicable state law. sta te law. United Bank reserves the right to amend the terms and conditions contained herein. UnitedProducts/services Bank reserves the may right be to available amend the only terms in and certain conditions markets. contained herein.

Products/servicesChecking (NOW) may accounts be available consist only in of certain two subaccounts.markets. One is non-transactional and the other is to transact business. The non-transactional subaccount cannot be accessed by you, but you agree we Checmayking initiate (NOW) transfers accounts betweenconsist of twothe subac subaccountscounts. One at is no non cost-tran tosa ctionalyou. The and waythe other your is accountto transact operates business. The non- BankWithUnited.com transactionalor your ability subaccount to access cannot funds be accessedwill not be by you,affected but you by agree this. we This may feature initiate transfers will allow between us to the service subaccounts the at no cost toaccount you. The more way your efficiently. account operates or your ability to access funds will not be affected by this. This feature will allow us to Member FDIC service the account more efficiently. Revised 3.05.2020 21

Rev. 11/2017

FACTS WHAT DOES UNITED DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:  Social Security number and Payment history  Credit history and Transaction history  Account transactions and Account balances How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons United chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does United share? Can you limit this sharing? For our everyday business purposes - Yes No such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes - Yes Yes to offer our products and services to you

For joint marketing with other financial companies Yes No For our affiliates' everyday business purposes - Yes No information about your transactions and experiences

For our affiliates' everyday business purposes - No We don't share information about your creditworthiness

For our affiliates to market to you Yes Yes For nonaffiliates to market to you No We don't share

To limit our  Call Toll-free 1.800.327.9862 to speak to one of our Customer Service Representatives sharing  Call or visit one of our branch locations and speak to one of our staff members Please note: If you are a new customer, we can begin sharing your information 45 days from the date we provide this notice at account opening. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions? Call toll-free 1.800.327.9862 or go to www.BankWithUnited.com

Who We Are Who is providing this notice? United means the following institutions: United Bankshares, Inc., United Bank, United Brokerage Services, Inc., United Title Company, and George Mason Mortgage, LLC.

22 What We Do How does United protect my To protect your personal information from unauthorized access and use, we use security personal information? measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. How does United collect my We collect your personal information, for example, when you personal information?  Apply for a loan  Give us your employment history  Give us your income information  Give us your wage statements  Provide employment information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only  sharing for affiliates' everyday business purposes - information about your creditworthiness  affiliates from using your information to market to you  sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit Your choices will apply to everyone on your account. sharing for an account I hold jointly with someone else?

Definitions Affiliates Companies related by common ownership or control. They can be financial and non- financial companies.  Our affiliates include financial companies such as: United Bankshares, Inc., United Bank, United Brokerage Services, Inc., United Title Company, and George Mason Mortgage, LLC.

Nonaffiliates Companies not related by common ownership or control. They can be financial and non- financial companies.  United does not share with nonaffiliates so they can market to you. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.  Our joint marketing partners include identity theft protection, financial products or services and investment/insurance companies.

Other Important Information For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For Vermont Members/Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.BankWithUnited.com or call 1.800.327.9862.

23 regardless of whether you signed the item or benefited from the charge or regardless of how frequently or under what circumstances we have paid TERMS AND CONDITIONS overdraft. overdrafts on your account in the past. We can change our practice of paying OF YOUR ACCOUNT You will be liable for our costs as well as for our reasonable attorneys’ fees, to overdrafts on your account without notice to you. You can ask us if we have IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A the extent permitted by law, whether incurred as a result of collection or in any other account services that might be available to you where we commit to NEW ACCOUNT - To help the government fight the funding of terrorism and other dispute involving your account. This includes, but is not limited to, paying overdrafts under certain circumstances, such as an overdraft protection money laundering activities, federal law requires all financial institutions to disputes between you and another joint owner; you and an authorized signer or line-of-credit or a plan to sweep funds from another account you have with us. obtain, verify, and record information that identifies each person who opens an similar party; or a third party claiming an interest in your account. This also You agree that we may charge fees for overdrafts. For consumer accounts, we account or requests a loan. includes any action that you or a third party takes regarding the account that will not charge fees for overdrafts caused by ATM withdrawals or one-time debit What this means for you: When you open an account or request a loan, we will causes us, in good faith, to seek the advice of an attorney, whether or not we card transactions if you have not opted-in to that service. We may use ask for your name, address, date of birth, and other information that will allow become involved in the dispute. All costs and attorneys’ fees can be deducted subsequent deposits, including direct deposits of social security or other us to identify you. We may also ask to see your driver's license or other from your account when they are incurred, without notice to you. government benefits, to cover such overdrafts and overdraft fees. identifying documents. DEPOSITS - We will give only provisional credit until collection is final for any Multiple Signatures - In the event that multiple signers are authorized for an We may ask our established customers for identification and we will use this items, other than cash, we accept for deposit (including items drawn “on us”). account, we may act on the oral or written instruction of any one of the information to update our files. Before settlement of any item becomes final, we act only as your agent, authorized signers on the account. Each signer may make withdrawals, write AGREEMENT - This document, along with any other documents we give you regardless of the form of indorsement or lack of indorsement on the item and checks, transfer funds, stop payments, obtain other services and otherwise give pertaining to your account(s), is a contract that establishes rules which control even though we provide you provisional credit for the item. We may reverse any us instructions regarding your account. We shall not be liable for, and do not your account(s) with us. Please read this carefully and retain it for future provisional credit for items that are lost, stolen, or returned. Unless prohibited assume a duty to enforce, multiple signature requirements separately agreed to reference. If you sign the signature card or open or continue to use the account, by law, we also reserve the right to charge back to your account the amount of by or among any signature owners and/or authorized signers of the account. If you agree to these rules. You will receive a separate schedule of rates, any item deposited to your account or cashed for you which was initially paid by you elect to require multiple signatures on your checks or other account records qualifying balances, and fees if they are not included in this document. If you the payor bank and which is later returned to us due to an allegedly forged, that will be required for withdrawal of funds from your account, any such have any questions, please call us. unauthorized or missing indorsement, claim of alteration, encoding error or election is for your own internal procedures and cannot be required or enforced This agreement is subject to applicable federal laws, the laws of the state of the other problem which in our judgment justifies reversal of credit. You authorize by us. branch in which your account is located and other applicable rules such as the us to attempt to collect previously returned items without giving you notice, and Facsimile Signature - The use of any facsimile signature (by rubber stamp or operating letters of the Federal Reserve Banks and payment processing system in attempting to collect we may permit the payor bank to hold an item beyond other mechanical means) is solely for your convenience and benefit. We may rules (except to the extent that this agreement can and does vary such rules or the midnight deadline. Actual credit for deposits of, or payable in, foreign refuse at any time to accept a request for the use of a facsimile signature on laws). The body of state and federal law that governs our relationship with you, currency will be at the exchange rate in effect on final collection in U.S. dollars. your account. If using the facsimile signature, you authorize us to pay items on however, is too large and complex to be reproduced here. In Pennsylvania, any We are not responsible for transactions by mail or outside depository until we your account and you will assume full responsibility for the payment of any provision that appoints us as an agent is not subject to the provisions of 20 actually record them. We will treat and record all transactions received after our check, draft or other written order regardless of by whom or by what means the Pa.C.S.A. Section 5601 et seq. (Chapter 56; Decedents, Estates and Fiduciaries “daily cutoff time” on a business day we are open, or received on a day we are item was created. Code). In Pennsylvania, by exercising any of our rights under this agreement, we not open for business, as if initiated on the next business day that we are open. You also bear full responsibility for maintaining the security of any facsimile do so for our sole benefit. The purpose of this document is to: At our option, we may take an item for collection rather than for deposit. If we signature device. (1) summarize some laws that apply to common transactions; accept a third-party check for deposit, we may require any third-party indorsers Multiple signatures, electronic check conversion, and similar (2) establish rules to cover transactions or events which the law does not to verify or guarantee their indorsements, or indorse in our presence. transactions - An electronic check conversion transaction is a transaction regulate; WITHDRAWALS - where a check or similar item is converted into an electronic fund transfer as (3) establish rules for certain transactions or events which the law regulates but Generally - Unless clearly indicated otherwise on the account records, any of defined in the Electronic Fund Transfers regulation. In these types of permits variation by agreement; and you, acting alone, who signs to open the account or has authority to make transactions the check or similar item is either removed from circulation (4) give you disclosures of some of our policies to which you may be entitled or withdrawals may withdraw or transfer all or any part of the account balance at (truncated) or given back to you. As a result, we have no opportunity to review in which you may be interested. any time. Each of you (until we receive written notice to the contrary) authorizes the check to examine the signatures on the item. You agree that, as to these or If any provision of this document is found to be unenforceable according to its each other person who signs or has authority to make withdrawals to indorse any items as to which we have no opportunity to examine the signatures, you terms, all remaining provisions will continue in full force and effect. We may any item payable to you or your order for deposit to this account or any other waive any requirement of multiple signatures. permit some variations from our standard agreement, but we must agree to any transaction with us. Notice of withdrawal - We reserve the right to require not less than 7 days’ variation in writing either on the signature card for your account or in some Postdated checks - A postdated check is one which bears a date later than the notice in writing before each withdrawal from an interest-bearing account other other document. Nothing in this document is intended to vary our duty to act in date on which the check is written. We may properly pay and charge your than a time deposit or demand deposit, or from any other savings account as good faith and with ordinary care when required by law. account for a postdated check even though payment was made before the date defined by Regulation D. (The law requires us to reserve this right, but it is not As used in this document the words “we,” “our,” and “us” mean the financial of the check, unless we have received written notice of the postdating in time to our general policy to use it.) Withdrawals from a time account prior to maturity institution and the words “you” and “your” mean the account holder(s) and have a reasonable opportunity to act. Because we process checks mechanically, or prior to any notice period may be restricted and may be subject to penalty. anyone else with the authority to deposit, withdraw, or exercise control over the your notice will not be effective and we will not be liable for failing to honor See your notice of penalty for early withdrawal. funds in the account. However, this agreement does not intend, and the terms your notice unless it precisely identifies the number, date, amount and payee of In the District of Columbia, OWNERSHIP OF ACCOUNT AND “you” and “your” should not be interpreted, to expand an individual’s the item. BENEFICIARY DESIGNATION - Except as otherwise provided by law, these responsibility for an organization’s liability. If this account is owned by a Checks and withdrawal rules - If you do not purchase your check blanks rules apply to this account depending on the form of ownership and beneficiary corporation, partnership or other organization, individual liability is determined from us, you must be certain that we approve the check blanks you purchase. designation, if any, specified on the account records. We make no by the laws generally applicable to that type of organization. The headings in We may refuse any withdrawal or transfer request which you attempt on forms representations as to the appropriateness or effect of the ownership and this document are for convenience or reference only and will not govern the not approved by us or by any method we do not specifically permit. We may beneficiary designations, except as they determine to whom we pay the account interpretation of the provisions. Unless it would be inconsistent to do so, words refuse any withdrawal or transfer request which is greater in number than the funds. and phrases used in this document should be construed so the singular includes frequency permitted, or which is for an amount greater or less than any Single-Party Account - Such an account is owned by one party. the plural and the plural includes the singular. Throughout this document, when withdrawal limitations. We will use the date the transaction is completed by us Multiple-Party Account - Parties own account in proportion to net a provision is identified as being applicable to a certain state (for example, “in (as opposed to the date you initiate it) to apply the frequency limitations. In contributions unless there is clear and convincing evidence of a different intent. Maryland”), it means that the provision is only applicable if your account is held addition, we may place limitations on the account until your identity is verified. In the District of Columbia, RIGHTS AT DEATH - Single-Party Account - at a branch located in that particular state. Any provision which is not described Even if we honor a nonconforming request, we are not required to do so later. If At the death of a party, ownership passes as part of the party’s estate. as applying to a particular state, applies to your account. you violate the stated transaction limitations (if any), in our discretion we may Multiple-Party Account With Right of Survivorship - At death of party, In Maryland, “Party” means a person who, by the terms of an account, has a close your account or reclassify it as a transaction account. If we reclassify your ownership passes to surviving parties. If two or more parties survive and one is present right, subject to request, to payment from the account other than as a account, your account will be subject to the fees and earnings rules of the new the surviving spouse of the deceased party, the amount to which the deceased beneficiary or convenience signer. account classification. party, immediately before death, was beneficially entitled by law belongs to the In South Carolina, “Party” means a person who, by the terms of an account, If we are presented with an item drawn against your account that would be a surviving spouse. If two or more parties survive and none is the spouse of the has a present right, subject to request, to payment from the account other than “substitute check,” as defined by law, but for an error or defect in the item decedent, the amount to which the deceased party, immediately before death, as a beneficiary or agent. introduced in the substitute check creation process, you agree that we may pay was beneficially entitled by law belongs to the surviving parties in equal shares, Information Sharing - Our consumer privacy policy describes personal such item. and augments the proportion to which each surviving party, immediately before information that we collect about you, including your name, address, telephone See the funds availability policy disclosure for information about when you can the deceased party’s death, was beneficially entitled under law, and the right of number, information we receive from consumer credit reporting agencies and withdraw funds you deposit. For those accounts to which our funds availability survivorship continues between the surviving parties. other sources. The policy also addresses the information that we may share policy disclosure does not apply, you can ask us when you make a deposit when Multiple-Party Account Without Right of Survivorship - At death of party, about you to our affiliates. A separate copy of our consumer privacy policy will those funds will be available for withdrawal. An item may be returned after the deceased party’s ownership passes as part of deceased party’s estate. be provided as part of your account opening records. You may also obtain a funds from the deposit of that item are made available for withdrawal. In that Single-Party Account With Pay-on-Death Designation - At death of the copy at any time by contacting our Customer Service Center toll-free at case, we will reverse the credit of the item. We may determine the amount of party, ownership passes to the designated pay-on-death beneficiaries and is not 1.800.327.9862, visiting or calling your local branch location or by visiting us at: available funds in your account for the purpose of deciding whether to return an part of the party’s estate. www.bankwithunited.com. You may also change your privacy preferences at item for insufficient funds at any time between the time we receive the item and Multiple-Party Account With Right of Survivorship and Pay-on-Death any time by calling the toll-free number listed in our privacy policy. We may take when we return the item or send a notice in lieu of return. We need only make Designation - At death of last surviving party, ownership passes to the as long as thirty (30) days from our receipt of your privacy choices to process one determination, but if we choose to make a subsequent determination, the designated pay-on-death beneficiaries and is not part of the last surviving your request. account balance at the subsequent time will determine whether there are party’s estate. LIABILITY - You agree, for yourself (and the person or entity you represent if insufficient available funds. In Maryland and Ohio, OWNERSHIP OF ACCOUNT AND BENEFICIARY you sign as a representative of another) to the terms of this account and the Timing of Transactions - Every day is a business day except Saturday, DESIGNATION - These rules apply to this account depending on the form of schedule of charges. You authorize us to deduct these charges, without notice to Sunday or federal holiday. We will post deposits, withdrawals and other ownership and beneficiary designation, if any, specified on the account records. you, directly from the account balance as accrued. You will pay any additional transactions received on a business day until the close of business. The hours of We make no representations as to the appropriateness or effect of the reasonable charges for services you request which are not covered by this operation for any branch may vary by date and location. Any transaction ownership and beneficiary designations, except as they determine to whom we agreement. received after the close of business or on a non-business day (Saturdays, pay the account funds. In Maryland, unless contrary direction is given in Each of you also agrees to be jointly and severally (individually) liable for any Sundays and federal holidays) will be posted on the next business day. this account agreement, upon the death of a party, the funds in a account shortage resulting from charges or overdrafts, whether caused by you Overdrafts - You understand that we may, at our discretion, honor withdrawal multiple-party account shall belong to the surviving party or parties. or another with access to this account. This liability is due immediately, and can requests that overdraw your account. However, the fact that we may honor Individual Account - is an account in the name of one person. be deducted directly from the account balance whenever sufficient funds are withdrawal requests that overdraw the account balance does not obligate us to Joint Account - With Survivorship (And Not As Tenants In Common) - is available. You have no right to defer payment of this liability, and you are liable do so later. So you can NOT rely on us to pay overdrafts on your account an account in the name of two or more persons. Each of you intend that when

24 regardless of whether you signed the item or benefited from the charge or regardless of how frequently or under what circumstances we have paid you die the balance in the account (subject to any previous pledge to which we the surviving spouse of the deceased party, the amount to which the deceased overdraft. overdrafts on your account in the past. We can change our practice of paying have agreed) will belong to the survivor(s). If two or more of you survive, you party, immediately before death, was beneficially entitled by law belongs to the You will be liable for our costs as well as for our reasonable attorneys’ fees, to overdrafts on your account without notice to you. You can ask us if we have will own the balance in the account as joint tenants with survivorship and not as surviving spouse. If two or more parties survive and none is the spouse of the the extent permitted by law, whether incurred as a result of collection or in any other account services that might be available to you where we commit to tenants in common. decedent, the amount to which the deceased party, immediately before death, other dispute involving your account. This includes, but is not limited to, paying overdrafts under certain circumstances, such as an overdraft protection Joint Account - No Survivorship (As Tenants In Common) - is owned by was beneficially entitled by law belongs to the surviving parties in equal shares, disputes between you and another joint owner; you and an authorized signer or line-of-credit or a plan to sweep funds from another account you have with us. two or more persons, but none of you intend (merely by opening this account) and augments the proportion to which each surviving party, immediately before similar party; or a third party claiming an interest in your account. This also You agree that we may charge fees for overdrafts. For consumer accounts, we to create any right of survivorship in any other person. We encourage you to the deceased party’s death, was beneficially entitled under law, and the right of includes any action that you or a third party takes regarding the account that will not charge fees for overdrafts caused by ATM withdrawals or one-time debit agree and tell us in writing of the percentage of the deposit contributed by each survivorship continues between the surviving parties. The last surviving party causes us, in good faith, to seek the advice of an attorney, whether or not we card transactions if you have not opted-in to that service. We may use of you. This information will not, however, affect the “number of signatures” owns the entire account. become involved in the dispute. All costs and attorneys’ fees can be deducted subsequent deposits, including direct deposits of social security or other necessary for withdrawal. Multiple-Party Account Without Right of Survivorship - At death of party, from your account when they are incurred, without notice to you. government benefits, to cover such overdrafts and overdraft fees. Revocable Trust or Pay-On-Death Account - If two or more of you create deceased party’s ownership passes as part of deceased party’s estate. DEPOSITS - We will give only provisional credit until collection is final for any Multiple Signatures - In the event that multiple signers are authorized for an this type of account, you own the account jointly with survivorship. Beneficiaries Single-Party Account With Pay-on-Death Designation - At death of the items, other than cash, we accept for deposit (including items drawn “on us”). account, we may act on the oral or written instruction of any one of the cannot withdraw unless: (1) all persons creating the account die, and (2) the party, ownership passes to the designated pay-on-death beneficiaries and is not Before settlement of any item becomes final, we act only as your agent, authorized signers on the account. Each signer may make withdrawals, write beneficiary is then living. If two or more beneficiaries are named and survive the part of the party’s estate. regardless of the form of indorsement or lack of indorsement on the item and checks, transfer funds, stop payments, obtain other services and otherwise give death of all persons creating the account, beneficiaries will own this account in Multiple-Party Account With Right of Survivorship and Pay-on-Death even though we provide you provisional credit for the item. We may reverse any us instructions regarding your account. We shall not be liable for, and do not equal shares, without right of survivorship. The person(s) creating either of Designation - At death of last surviving party, ownership passes to the provisional credit for items that are lost, stolen, or returned. Unless prohibited assume a duty to enforce, multiple signature requirements separately agreed to these account types may: (1) change beneficiaries, (2) change account types, designated pay-on-death beneficiaries and is not part of the last surviving by law, we also reserve the right to charge back to your account the amount of by or among any signature owners and/or authorized signers of the account. If and (3) withdraw all or part of the account funds at any time. party’s estate. any item deposited to your account or cashed for you which was initially paid by you elect to require multiple signatures on your checks or other account records In Pennsylvania, OWNERSHIP OF ACCOUNT AND BENEFICIARY In Virginia, OWNERSHIP OF ACCOUNT AND BENEFICIARY the payor bank and which is later returned to us due to an allegedly forged, that will be required for withdrawal of funds from your account, any such DESIGNATION - These rules apply to this account depending on the form of DESIGNATION - These rules apply to this account depending on the form of unauthorized or missing indorsement, claim of alteration, encoding error or election is for your own internal procedures and cannot be required or enforced ownership and beneficiary designation, if any, specified on the account records. ownership and beneficiary designation, if any, specified on the account records. other problem which in our judgment justifies reversal of credit. You authorize by us. We make no representations as to the appropriateness or effect of the We make no representations as to the appropriateness or effect of the us to attempt to collect previously returned items without giving you notice, and Facsimile Signature - The use of any facsimile signature (by rubber stamp or ownership and beneficiary designations, except as they determine to whom we ownership and beneficiary designations, except as they determine to whom we in attempting to collect we may permit the payor bank to hold an item beyond other mechanical means) is solely for your convenience and benefit. We may pay the account funds. pay the account funds. the midnight deadline. Actual credit for deposits of, or payable in, foreign refuse at any time to accept a request for the use of a facsimile signature on Individual Account - is an account in the name of one person. Individual Account - is an account in the name of one person. currency will be at the exchange rate in effect on final collection in U.S. dollars. your account. If using the facsimile signature, you authorize us to pay items on Joint Account - With Survivorship (And Not As Tenants In Common) - is Joint Account - With Survivorship (And Not As Tenants In Common) - is We are not responsible for transactions by mail or outside depository until we your account and you will assume full responsibility for the payment of any an account in the name of two or more persons. Each of you intend that when an account in the name of two or more persons. Each of you intend and agree actually record them. We will treat and record all transactions received after our check, draft or other written order regardless of by whom or by what means the you die the balance in the account (subject to any previous pledge to which we that on the death of a party to the account, the deceased party’s ownership in “daily cutoff time” on a business day we are open, or received on a day we are item was created. have agreed) will belong to the survivor(s). If two or more of you survive, you the account passes to the surviving party or parties to the account. This is not open for business, as if initiated on the next business day that we are open. You also bear full responsibility for maintaining the security of any facsimile will own the balance in the account as joint tenants with survivorship and not as subject to any previous pledge to which we have agreed. If two or more of you At our option, we may take an item for collection rather than for deposit. If we signature device. tenants in common. survive, you will own the balance in the account as joint tenants with accept a third-party check for deposit, we may require any third-party indorsers Multiple signatures, electronic check conversion, and similar Joint Account - No Survivorship (As Tenants In Common) - is owned by survivorship and not as tenants in common. to verify or guarantee their indorsements, or indorse in our presence. transactions - An electronic check conversion transaction is a transaction two or more persons, but none of you intend (merely by opening this account) Joint Account - No Survivorship (As Tenants In Common) - is owned by WITHDRAWALS - where a check or similar item is converted into an electronic fund transfer as to create any right of survivorship in any other person. We encourage you to two or more persons, but none of you intend (merely by opening this account) Generally - Unless clearly indicated otherwise on the account records, any of defined in the Electronic Fund Transfers regulation. In these types of agree and tell us in writing of the percentage of the deposit contributed by each to create any right of survivorship in any other person. Each of you intend that you, acting alone, who signs to open the account or has authority to make transactions the check or similar item is either removed from circulation of you. This information will not, however, affect the “number of signatures” when you die your interest in this account will pass as a part of your estate withdrawals may withdraw or transfer all or any part of the account balance at (truncated) or given back to you. As a result, we have no opportunity to review necessary for withdrawal. under a will, trust, or by intestacy. We encourage you to agree and tell us in any time. Each of you (until we receive written notice to the contrary) authorizes the check to examine the signatures on the item. You agree that, as to these or Revocable Trust Account - If two or more of you create such an account, you writing of the percentage of the deposit contributed by each of you. This each other person who signs or has authority to make withdrawals to indorse any items as to which we have no opportunity to examine the signatures, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: information will not, however, affect the “number of signatures” necessary for any item payable to you or your order for deposit to this account or any other waive any requirement of multiple signatures. (1) all persons creating the account die, and (2) the beneficiary is then living. If withdrawal. transaction with us. Notice of withdrawal - We reserve the right to require not less than 7 days’ two or more beneficiaries are named and survive the death of all persons Revocable Trust or Pay-On-Death Account - If two or more of you create Postdated checks - A postdated check is one which bears a date later than the notice in writing before each withdrawal from an interest-bearing account other creating the account, such beneficiaries will own this account in equal shares, this type of account, you own the account jointly with survivorship. Beneficiaries date on which the check is written. We may properly pay and charge your than a time deposit or demand deposit, or from any other savings account as without right of survivorship. The person(s) creating this account type reserve cannot withdraw unless: (1) all persons creating the account die, and (2) the account for a postdated check even though payment was made before the date defined by Regulation D. (The law requires us to reserve this right, but it is not the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw beneficiary is then living. If two or more beneficiaries are named and survive the of the check, unless we have received written notice of the postdating in time to our general policy to use it.) Withdrawals from a time account prior to maturity all or part of the account funds at any time. death of all persons creating the account, beneficiaries will own this account in have a reasonable opportunity to act. Because we process checks mechanically, or prior to any notice period may be restricted and may be subject to penalty. In North Carolina, OWNERSHIP OF ACCOUNT AND BENEFICIARY equal shares, without right of survivorship. The person(s) creating either of your notice will not be effective and we will not be liable for failing to honor See your notice of penalty for early withdrawal. DESIGNATION - These rules apply to this account depending on the form of these account types may: (1) change beneficiaries, (2) change account types, your notice unless it precisely identifies the number, date, amount and payee of In the District of Columbia, OWNERSHIP OF ACCOUNT AND ownership and beneficiary designation, if any, specified on the account records. and (3) withdraw all or part of the account funds at any time. the item. BENEFICIARY DESIGNATION - Except as otherwise provided by law, these We make no representations as to the appropriateness or effect of the In West Virginia, OWNERSHIP OF ACCOUNT AND BENEFICIARY Checks and withdrawal rules - If you do not purchase your check blanks rules apply to this account depending on the form of ownership and beneficiary ownership and beneficiary designations, except as they determine to whom we DESIGNATION - These rules apply to this account depending on the form of from us, you must be certain that we approve the check blanks you purchase. designation, if any, specified on the account records. We make no pay the account funds. ownership and beneficiary designation, if any, specified on the account records. We may refuse any withdrawal or transfer request which you attempt on forms representations as to the appropriateness or effect of the ownership and Individual Account - is an account in the name of one person. We make no representations as to the appropriateness or effect of the not approved by us or by any method we do not specifically permit. We may beneficiary designations, except as they determine to whom we pay the account Joint Account - With Survivorship - You intend and agree that regardless of ownership and beneficiary designations, except as they determine to whom we refuse any withdrawal or transfer request which is greater in number than the funds. whose funds are deposited in the account, that upon your death the balance in pay the account funds. frequency permitted, or which is for an amount greater or less than any Single-Party Account - Such an account is owned by one party. the account will belong to the survivor(s). If two or more of you survive, you will Individual Account - is an account in the name of one person. withdrawal limitations. We will use the date the transaction is completed by us Multiple-Party Account - Parties own account in proportion to net own the balance in the account as joint tenants with right of survivorship. This Joint Account - With Survivorship - If such an account ownership is (as opposed to the date you initiate it) to apply the frequency limitations. In contributions unless there is clear and convincing evidence of a different intent. agreement is governed by North Carolina General Statutes § 53C-6-6. selected, each joint tenant intends and agrees that the account balance upon his addition, we may place limitations on the account until your identity is verified. In the District of Columbia, RIGHTS AT DEATH - Single-Party Account - Personal Agency Accounts - Such an account allows you to name an agent or her death shall be the property of the surviving joint tenant, and if more than Even if we honor a nonconforming request, we are not required to do so later. If At the death of a party, ownership passes as part of the party’s estate. who will have authority to make withdrawals from the account by check or one survives, they shall remain as joint tenants with right of survivorship you violate the stated transaction limitations (if any), in our discretion we may Multiple-Party Account With Right of Survivorship - At death of party, otherwise and indorse checks payable to you for deposit only into the account between them. close your account or reclassify it as a transaction account. If we reclassify your ownership passes to surviving parties. If two or more parties survive and one is and otherwise make deposits. In addition, you may elect to extend the authority Joint Account - No Survivorship (As Tenants In Common) - is owned by account, your account will be subject to the fees and earnings rules of the new the surviving spouse of the deceased party, the amount to which the deceased of your agent so your agent may act notwithstanding your subsequent two or more persons, but none of you intend (merely by opening this account) account classification. party, immediately before death, was beneficially entitled by law belongs to the incapacity or mental incompetence. Your agent’s authority would then end at to create any right of survivorship in any other person. We encourage you to If we are presented with an item drawn against your account that would be a surviving spouse. If two or more parties survive and none is the spouse of the such time as the agent receives notification from a qualified guardian or duly agree and tell us in writing of the percentage of the deposit contributed by each “substitute check,” as defined by law, but for an error or defect in the item decedent, the amount to which the deceased party, immediately before death, appointed attorney-in-fact. If you do not extend the authority of your agent, then of you. This information will not, however, affect the “number of signatures” introduced in the substitute check creation process, you agree that we may pay was beneficially entitled by law belongs to the surviving parties in equal shares, your subsequent incapacity or mental incompetence will terminate the authority necessary for withdrawal. such item. and augments the proportion to which each surviving party, immediately before of your agent. This agreement is governed by North Carolina General Statutes § Revocable Trust or Pay-On-Death Account - If two or more of you create See the funds availability policy disclosure for information about when you can the deceased party’s death, was beneficially entitled under law, and the right of 53C-6-8. this type of account, you own the account jointly with survivorship. Beneficiaries withdraw funds you deposit. For those accounts to which our funds availability survivorship continues between the surviving parties. Joint Account - No Survivorship - is owned by two or more persons, but cannot withdraw unless: (1) all persons creating the account die, and (2) the policy disclosure does not apply, you can ask us when you make a deposit when Multiple-Party Account Without Right of Survivorship - At death of party, none of you intend (merely by opening this account) to create any right of beneficiary is then living. If two or more beneficiaries are named and survive the those funds will be available for withdrawal. An item may be returned after the deceased party’s ownership passes as part of deceased party’s estate. survivorship in any other person. death of all persons creating the account, beneficiaries will own this account in funds from the deposit of that item are made available for withdrawal. In that Single-Party Account With Pay-on-Death Designation - At death of the Payable on Death (POD) Account - A beneficiary cannot withdraw unless: (1) equal shares, without right of survivorship. The person(s) creating either of case, we will reverse the credit of the item. We may determine the amount of party, ownership passes to the designated pay-on-death beneficiaries and is not the person creating the account dies, and (2) the beneficiary is then living. The these account types may: (1) change beneficiaries, (2) change account types, available funds in your account for the purpose of deciding whether to return an part of the party’s estate. person creating this account type reserves the right to: (1) change beneficiaries, and (3) withdraw all or part of the account funds at any time. item for insufficient funds at any time between the time we receive the item and Multiple-Party Account With Right of Survivorship and Pay-on-Death (2) change account types, and (3) withdraw all or part of the account funds at In West Virginia, NOTICE TO JOINT ACCOUNT HOLDERS - This provision when we return the item or send a notice in lieu of return. We need only make Designation - At death of last surviving party, ownership passes to the any time. This agreement is governed by North Carolina General Statutes § 53C- does not apply to joint accounts if the signatures of all of the account owners one determination, but if we choose to make a subsequent determination, the designated pay-on-death beneficiaries and is not part of the last surviving 6-7. are required to make a withdrawal. account balance at the subsequent time will determine whether there are party’s estate. In South Carolina, OWNERSHIP OF ACCOUNT AND BENEFICIARY This joint account is payable in both your name “or” in the name of the other insufficient available funds. In Maryland and Ohio, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of person(s) listed on the account (Example “Mr. Smith or Mrs. Smith”). Timing of Transactions - Every day is a business day except Saturday, DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. Please be advised and forewarned that: Sunday or federal holiday. We will post deposits, withdrawals and other ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the • All the money in this joint account may be withdrawn by anyone named transactions received on a business day until the close of business. The hours of We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we on this account; or may be pledged as security for a loan or debt by operation for any branch may vary by date and location. Any transaction ownership and beneficiary designations, except as they determine to whom we pay the account funds. anyone named on the account. received after the close of business or on a non-business day (Saturdays, pay the account funds. In Maryland, unless contrary direction is given in Single-Party Account - Such an account is owned by one party. – UNLESS, prior written notice is given to the bank not to permit it. Sundays and federal holidays) will be posted on the next business day. this account agreement, upon the death of a party, the funds in a Multiple-Party Account - Parties own account in proportion to net • Despite any notification to the bank Overdrafts - You understand that we may, at our discretion, honor withdrawal multiple-party account shall belong to the surviving party or parties. contributions unless there is clear and convincing evidence of a different intent. – The bank may pay the entire account balance to a creditor or other legal requests that overdraw your account. However, the fact that we may honor Individual Account - is an account in the name of one person. In South Carolina, RIGHTS AT DEATH - Single-Party Account - At the claimant pursuant to legal process. withdrawal requests that overdraw the account balance does not obligate us to Joint Account - With Survivorship (And Not As Tenants In Common) - is death of a party, ownership passes as part of the party’s estate. Minor Account - At our discretion we will open accounts that are jointly do so later. So you can NOT rely on us to pay overdrafts on your account an account in the name of two or more persons. Each of you intend that when Multiple-Party Account With Right of Survivorship - At death of party, owned by the minor and a person that is of legal age. Any such accounts will be ownership passes to surviving parties. If two or more parties survive and one is treated as a joint account and each party will have full rights to transact deposits

25 you die the balance in the account (subject to any previous pledge to which we the surviving spouse of the deceased party, the amount to which the deceased and withdrawals. Please refer to the joint account section of this agreement for such a way that it can be retrieved and can be heard or read and understood – have agreed) will belong to the survivor(s). If two or more of you survive, you party, immediately before death, was beneficially entitled by law belongs to the the state in which you are opening the account for additional terms and you can ask us what type of stop-payment records you can give us). Your order will own the balance in the account as joint tenants with survivorship and not as surviving spouse. If two or more parties survive and none is the spouse of the conditions. The non-minor account holder agrees to indemnify us and hold us will lapse after that time if you do not renew the order in writing before the end tenants in common. decedent, the amount to which the deceased party, immediately before death, harmless from and against any and all loss, costs, damage or liability (including of the six-month period. If the original stop-payment order was oral your stop- Joint Account - No Survivorship (As Tenants In Common) - is owned by was beneficially entitled by law belongs to the surviving parties in equal shares, but not limited to reasonable attorneys’ fees) realized or incurred as a result of payment order will lapse after 14 calendar days if it is not confirmed in writing two or more persons, but none of you intend (merely by opening this account) and augments the proportion to which each surviving party, immediately before the activities of the minor. or by another type of record within that time period. We are not obligated to to create any right of survivorship in any other person. We encourage you to the deceased party’s death, was beneficially entitled under law, and the right of Uniform Transfers to Minors Account (UTMA Account) (excluding notify you when a stop-payment order expires. agree and tell us in writing of the percentage of the deposit contributed by each survivorship continues between the surviving parties. The last surviving party South Carolina) - Such an account is owned by the minor who received the If you stop payment on an item and we incur any damages or expenses because of you. This information will not, however, affect the “number of signatures” owns the entire account. funds as a permanent (irrevocable) gift. A custodian controls and manages the of the stop payment, you agree to indemnify us for those damages or expenses, necessary for withdrawal. Multiple-Party Account Without Right of Survivorship - At death of party, account for the benefit of the minor. We may, however, disclose information including attorneys’ fees. You assign to us all rights against the payee or any Revocable Trust or Pay-On-Death Account - If two or more of you create deceased party’s ownership passes as part of deceased party’s estate. about the account to the minor or the minor’s representative. The legal other holder of the item. You agree to cooperate with us in any legal actions that this type of account, you own the account jointly with survivorship. Beneficiaries Single-Party Account With Pay-on-Death Designation - At death of the definition of a minor may vary by state. One custodian and one minor are we may take against such persons. You should be aware that anyone holding cannot withdraw unless: (1) all persons creating the account die, and (2) the party, ownership passes to the designated pay-on-death beneficiaries and is not allowed per account; provided, however, that certain exceptions pursuant to the item may be entitled to enforce payment against you despite the stop- beneficiary is then living. If two or more beneficiaries are named and survive the part of the party’s estate. applicable state law may apply. You may wish to consult your tax advisor or payment order. death of all persons creating the account, beneficiaries will own this account in Multiple-Party Account With Right of Survivorship and Pay-on-Death attorney before opening a UTMA account. Once the minor reaches the age of We are not liable for the payment of a check, following the receipt of a stop equal shares, without right of survivorship. The person(s) creating either of Designation - At death of last surviving party, ownership passes to the majority as defined by state law in which the account was opened, we may payment request, if the check is presented electronically (such as a substitute these account types may: (1) change beneficiaries, (2) change account types, designated pay-on-death beneficiaries and is not part of the last surviving allow the funds to be withdrawn by the minor in accordance with the check, converted check, remotely created check, or imaged check) and does not and (3) withdraw all or part of the account funds at any time. party’s estate. custodian’s duty without waiting for instructions from the custodian. contain the check number. We will charge you the standard stop payment fee In Pennsylvania, OWNERSHIP OF ACCOUNT AND BENEFICIARY In Virginia, OWNERSHIP OF ACCOUNT AND BENEFICIARY Estate Account - Accounts that are opened by a fiduciary on behalf of a formal regardless of whether or not we are able honor the stop payment you requested DESIGNATION - These rules apply to this account depending on the form of DESIGNATION - These rules apply to this account depending on the form of estate must have a separate Taxpayer Identification Number issued by the when it was out of our control (such as the check had already cleared your ownership and beneficiary designation, if any, specified on the account records. ownership and beneficiary designation, if any, specified on the account records. Internal Revenue Service (IRS). Additional documentation will be required to account, the information on the check was not the same as the information you We make no representations as to the appropriateness or effect of the We make no representations as to the appropriateness or effect of the open, in the name of the estate, any such account. provided or the check number was missing). ownership and beneficiary designations, except as they determine to whom we ownership and beneficiary designations, except as they determine to whom we Electronic Documents - You agree, in your individual capacity, or in your TELEPHONE TRANSFERS - A telephone transfer of funds from this account to pay the account funds. pay the account funds. capacity as an authorized signer for an entity or another person, as applicable, another account with us, if otherwise arranged for or permitted, may be made Individual Account - is an account in the name of one person. Individual Account - is an account in the name of one person. that any document we provide or are required to provide to you in writing in by the same persons and under the same conditions generally applicable to Joint Account - With Survivorship (And Not As Tenants In Common) - is Joint Account - With Survivorship (And Not As Tenants In Common) - is connection with your account, including but not limited to the account withdrawals made in writing. Unless a different limitation is disclosed in writing, an account in the name of two or more persons. Each of you intend that when an account in the name of two or more persons. Each of you intend and agree agreement, statements, notices and any other documents, may be provided to we restrict the number of transfers from a savings account to another account or you die the balance in the account (subject to any previous pledge to which we that on the death of a party to the account, the deceased party’s ownership in you electronically following your consent to receive them electronically. You to third parties, to a maximum of six per month (less the number of have agreed) will belong to the survivor(s). If two or more of you survive, you the account passes to the surviving party or parties to the account. This is agree that the electronic or other records we maintain shall be treated and have “preauthorized transfers” during the month). Other account transfer restrictions will own the balance in the account as joint tenants with survivorship and not as subject to any previous pledge to which we have agreed. If two or more of you the same legal effect as any original document. You further agree that if your may be described elsewhere. tenants in common. survive, you will own the balance in the account as joint tenants with copy of the document(s) become lost or destroyed, any such event does not AMENDMENTS AND TERMINATION - We may change any term of this Joint Account - No Survivorship (As Tenants In Common) - is owned by survivorship and not as tenants in common. alter your agreement to the terms and conditions of the electronic documents. agreement. Rules governing changes in interest rates are provided separately in two or more persons, but none of you intend (merely by opening this account) Joint Account - No Survivorship (As Tenants In Common) - is owned by BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings the Truth-in-Savings disclosure or in another document. For other changes, we to create any right of survivorship in any other person. We encourage you to two or more persons, but none of you intend (merely by opening this account) in the form of interest, dividends, or credits will be paid only on collected funds, will give you reasonable notice in writing or by any other method permitted by agree and tell us in writing of the percentage of the deposit contributed by each to create any right of survivorship in any other person. Each of you intend that unless otherwise provided by law or our policy. You represent that you have the law. We may also close this account at any time upon reasonable notice to you of you. This information will not, however, affect the “number of signatures” when you die your interest in this account will pass as a part of your estate authority to open and conduct business on this account on behalf of the entity. and tender of the account balance personally or by mail. Items presented for necessary for withdrawal. under a will, trust, or by intestacy. We encourage you to agree and tell us in We may require the governing body of the entity opening the account to give us payment after the account is closed may be dishonored. When you close your Revocable Trust Account - If two or more of you create such an account, you writing of the percentage of the deposit contributed by each of you. This a separate authorization telling us who is authorized to act on its behalf. We will account, you are responsible for leaving enough money in the account to cover own the account jointly with survivorship. Beneficiaries cannot withdraw unless: information will not, however, affect the “number of signatures” necessary for honor the authorization until we actually receive written notice of a change from any outstanding items to be paid from the account. Reasonable notice depends (1) all persons creating the account die, and (2) the beneficiary is then living. If withdrawal. the governing body of the entity. on the circumstances, and in some cases such as when we cannot verify your two or more beneficiaries are named and survive the death of all persons Revocable Trust or Pay-On-Death Account - If two or more of you create In Maryland, North Carolina, Ohio, Pennsylvania, Virginia, and West identity or we suspect fraud, it might be reasonable for us to give you notice creating the account, such beneficiaries will own this account in equal shares, this type of account, you own the account jointly with survivorship. Beneficiaries Virginia, STOP PAYMENTS - Unless otherwise provided, the rules in this after the change or account closure becomes effective. For instance, if we without right of survivorship. The person(s) creating this account type reserve cannot withdraw unless: (1) all persons creating the account die, and (2) the section cover stopping payment of items such as checks and drafts. Rules for suspect fraudulent activity with respect to your account, we might immediately the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw beneficiary is then living. If two or more beneficiaries are named and survive the stopping payment of other types of transfers of funds, such as consumer freeze or close your account and then give you notice. If we have notified you of all or part of the account funds at any time. death of all persons creating the account, beneficiaries will own this account in electronic fund transfers, may be established by law or our policy. If we have not a change in any term of your account and you continue to have your account In North Carolina, OWNERSHIP OF ACCOUNT AND BENEFICIARY equal shares, without right of survivorship. The person(s) creating either of disclosed these rules to you elsewhere, you may ask us about those rules. after the effective date of the change, you have agreed to the new term(s). In the DESIGNATION - These rules apply to this account depending on the form of these account types may: (1) change beneficiaries, (2) change account types, We may accept an order to stop payment on any item from any one of you. You District of Columbia, Ohio, Virginia, and West Virginia, notice from us to any one ownership and beneficiary designation, if any, specified on the account records. and (3) withdraw all or part of the account funds at any time. must make any stop-payment order in the manner required by law and we must of you is notice to all of you. We make no representations as to the appropriateness or effect of the In West Virginia, OWNERSHIP OF ACCOUNT AND BENEFICIARY receive it in time to give us a reasonable opportunity to act on it before our stop- NOTICES - Any written notice you give us is effective when we actually receive ownership and beneficiary designations, except as they determine to whom we DESIGNATION - These rules apply to this account depending on the form of payment cutoff time. Because stop-payment orders are handled by computers, it, and it must be given to us according to the specific delivery instructions pay the account funds. ownership and beneficiary designation, if any, specified on the account records. to be effective, your stop-payment order must precisely identify the number, provided elsewhere, if any. We must receive it in time to have a reasonable Individual Account - is an account in the name of one person. We make no representations as to the appropriateness or effect of the date, and amount of the item, and the payee. You may stop payment on any opportunity to act on it. If the notice is regarding a check or other item, you must Joint Account - With Survivorship - You intend and agree that regardless of ownership and beneficiary designations, except as they determine to whom we item drawn on your account whether you sign the item or not. Generally, if your give us sufficient information to be able to identify the check or item, including whose funds are deposited in the account, that upon your death the balance in pay the account funds. stop-payment order is given to us in writing it is effective for six months. Your the precise check or item number, amount, date and payee. Written notice we the account will belong to the survivor(s). If two or more of you survive, you will Individual Account - is an account in the name of one person. order will lapse after that time if you do not renew the order in writing before give you is effective when it is deposited in the United States Mail with proper own the balance in the account as joint tenants with right of survivorship. This Joint Account - With Survivorship - If such an account ownership is the end of the six-month period. If the original stop-payment order was oral postage and addressed to your mailing address we have on file. agreement is governed by North Carolina General Statutes § 53C-6-6. selected, each joint tenant intends and agrees that the account balance upon his your stop-payment order will lapse after 14 calendar days if you do not confirm ACCOUNT ERRORS AND ADJUSTMENTS - All items received for deposit Personal Agency Accounts - Such an account allows you to name an agent or her death shall be the property of the surviving joint tenant, and if more than your order in writing within that time period. We are not obligated to notify you are subject to verification and collection. We may adjust your account if there who will have authority to make withdrawals from the account by check or one survives, they shall remain as joint tenants with right of survivorship when a stop-payment order expires. A release of the stop-payment request may are computation errors - for example, if you added your checks incorrectly and otherwise and indorse checks payable to you for deposit only into the account between them. be made only by the person who initiated the stop-payment order. deposited more or less than you thought. If we need to investigate an and otherwise make deposits. In addition, you may elect to extend the authority Joint Account - No Survivorship (As Tenants In Common) - is owned by If you stop payment on an item and we incur any damages or expenses because improperly endorsed check or obtain an endorsement, we may place a hold on of your agent so your agent may act notwithstanding your subsequent two or more persons, but none of you intend (merely by opening this account) of the stop payment, you agree to indemnify us for those damages or expenses, your account until we can resolve the matter. You will receive provisional credit incapacity or mental incompetence. Your agent’s authority would then end at to create any right of survivorship in any other person. We encourage you to including attorneys’ fees. You assign to us all rights against the payee or any for all items posted to your account or cashed against your account and may be such time as the agent receives notification from a qualified guardian or duly agree and tell us in writing of the percentage of the deposit contributed by each other holder of the item. You agree to cooperate with us in any legal actions that revoked if payment of the item is not received or an incorrect amount is used. appointed attorney-in-fact. If you do not extend the authority of your agent, then of you. This information will not, however, affect the “number of signatures” we may take against such persons. You should be aware that anyone holding We may make adjustments to your account whenever a correction or change is your subsequent incapacity or mental incompetence will terminate the authority necessary for withdrawal. the item may be entitled to enforce payment against you despite the stop- required within a reasonable time after discovery. Such errors or adjustments of your agent. This agreement is governed by North Carolina General Statutes § Revocable Trust or Pay-On-Death Account - If two or more of you create payment order. may include, but are not limited to, deposit amounts that are recorded for the 53C-6-8. this type of account, you own the account jointly with survivorship. Beneficiaries We are not liable for the payment of a check, following the receipt of a stop wrong amount or items that you have deposited that are returned unpaid. If the Joint Account - No Survivorship - is owned by two or more persons, but cannot withdraw unless: (1) all persons creating the account die, and (2) the payment request, if the check is presented electronically (such as a substitute adjustment to your account results in insufficient funds, we also have the right none of you intend (merely by opening this account) to create any right of beneficiary is then living. If two or more beneficiaries are named and survive the check, converted check, remotely created check, or imaged check) and does not to recoup the funds from your other accounts and charge you for any applicable survivorship in any other person. death of all persons creating the account, beneficiaries will own this account in contain the check number. We will charge you the standard stop payment fee overdraft/NSF fee according to the separate fee schedule provided. Please refer Payable on Death (POD) Account - A beneficiary cannot withdraw unless: (1) equal shares, without right of survivorship. The person(s) creating either of regardless of whether or not we are able honor the stop payment you requested to the “Setoff” section of this agreement for additional details. the person creating the account dies, and (2) the beneficiary is then living. The these account types may: (1) change beneficiaries, (2) change account types, when it was out of our control (such as the check had already cleared your STATEMENTS - Your duty to report unauthorized signatures, person creating this account type reserves the right to: (1) change beneficiaries, and (3) withdraw all or part of the account funds at any time. account, the information on the check was not the same as the information you alterations and forgeries - You must examine your statement of account with (2) change account types, and (3) withdraw all or part of the account funds at In West Virginia, NOTICE TO JOINT ACCOUNT HOLDERS - This provision provided or the check number was missing). “reasonable promptness.” If you discover (or reasonably should have any time. This agreement is governed by North Carolina General Statutes § 53C- does not apply to joint accounts if the signatures of all of the account owners In District of Columbia and South Carolina, STOP PAYMENTS - Unless discovered) any unauthorized signatures or alterations, you must promptly 6-7. are required to make a withdrawal. otherwise provided, the rules in this section cover stopping payment of items notify us of the relevant facts. As between you and us, if you fail to do either of In South Carolina, OWNERSHIP OF ACCOUNT AND BENEFICIARY This joint account is payable in both your name “or” in the name of the other such as checks and drafts. Rules for stopping payment of other types of these duties, you will have to either share the loss with us, or bear the loss DESIGNATION - These rules apply to this account depending on the form of person(s) listed on the account (Example “Mr. Smith or Mrs. Smith”). transfers of funds, such as consumer electronic fund transfers, may be entirely yourself (depending on whether we used ordinary care and, if not, ownership and beneficiary designation, if any, specified on the account records. Please be advised and forewarned that: established by law or our policy. If we have not disclosed these rules to you whether we substantially contributed to the loss). The loss could be not only We make no representations as to the appropriateness or effect of the • All the money in this joint account may be withdrawn by anyone named elsewhere, you may ask us about those rules. with respect to items on the statement but other items with unauthorized ownership and beneficiary designations, except as they determine to whom we on this account; or may be pledged as security for a loan or debt by We may accept an order to stop payment on any item from any one of you. You signatures or alterations by the same wrongdoer. pay the account funds. anyone named on the account. must make any stop-payment order in the manner required by law and we must You agree that the time you have to examine your statement and report to us Single-Party Account - Such an account is owned by one party. – UNLESS, prior written notice is given to the bank not to permit it. receive it in time to give us a reasonable opportunity to act on it before our stop- will depend on the circumstances, but will not, in any circumstance, exceed a Multiple-Party Account - Parties own account in proportion to net • Despite any notification to the bank payment cutoff time. Because stop-payment orders are handled by computers, total of 30 days from when the statement is first sent or made available to you. contributions unless there is clear and convincing evidence of a different intent. – The bank may pay the entire account balance to a creditor or other legal to be effective, your stop-payment order must precisely identify the number, You further agree that if you fail to report any unauthorized signatures, In South Carolina, RIGHTS AT DEATH - Single-Party Account - At the claimant pursuant to legal process. date, and amount of the item, and the payee. You may stop payment on any alterations or forgeries in your account within 60 days of when we first send or death of a party, ownership passes as part of the party’s estate. Minor Account - At our discretion we will open accounts that are jointly item drawn on your account whether you sign the item or not. Your stop- make the statement available, you cannot assert a claim against us on any items Multiple-Party Account With Right of Survivorship - At death of party, owned by the minor and a person that is of legal age. Any such accounts will be payment order is effective for six months if it is given to us in writing or by in that statement, and as between you and us the loss will be entirely yours. ownership passes to surviving parties. If two or more parties survive and one is treated as a joint account and each party will have full rights to transact deposits another type of record (Generally, a “record” is information that is stored in This 60-day limitation is without regard to whether we used ordinary care. The

26 and withdrawals. Please refer to the joint account section of this agreement for such a way that it can be retrieved and can be heard or read and understood – limitation in this paragraph is in addition to that contained in the first paragraph The owner may terminate the authorization at any time, and the authorization is the state in which you are opening the account for additional terms and you can ask us what type of stop-payment records you can give us). Your order of this section. automatically terminated by the death of the owner. However, we may continue conditions. The non-minor account holder agrees to indemnify us and hold us will lapse after that time if you do not renew the order in writing before the end Your duty to report other errors - In addition to your duty to review your to honor the transactions of the authorized signer until: (a) we have received harmless from and against any and all loss, costs, damage or liability (including of the six-month period. If the original stop-payment order was oral your stop- statements for unauthorized signatures, alterations and forgeries, you agree to written notice or have actual knowledge of the termination of authority, and (b) but not limited to reasonable attorneys’ fees) realized or incurred as a result of payment order will lapse after 14 calendar days if it is not confirmed in writing examine your statement with reasonable promptness for any other error - such we have a reasonable opportunity to act on that notice or knowledge. We may the activities of the minor. or by another type of record within that time period. We are not obligated to as an encoding error. In addition, if you receive or we make available either your refuse to accept the designation of an authorized signer. Uniform Transfers to Minors Account (UTMA Account) (excluding notify you when a stop-payment order expires. items or images of your items, you must examine them for any unauthorized or In South Carolina, DESIGNATION OF AGENT FOR ACCOUNT (Single- South Carolina) - Such an account is owned by the minor who received the If you stop payment on an item and we incur any damages or expenses because missing indorsements or any other problems. You agree that the time you have Party Accounts only) - A single individual is the owner. The agent is funds as a permanent (irrevocable) gift. A custodian controls and manages the of the stop payment, you agree to indemnify us for those damages or expenses, to examine your statement and items and report to us will depend on the authorized to make all transactions on the account that the owner can make, account for the benefit of the minor. We may, however, disclose information including attorneys’ fees. You assign to us all rights against the payee or any circumstances. However, this time period shall not exceed 60 days. Failure to including, but not limited to, closing the account, but may not in any other about the account to the minor or the minor’s representative. The legal other holder of the item. You agree to cooperate with us in any legal actions that examine your statement and items and report any errors to us within 60 days of manner affect the rights of the owner or beneficiaries. The owner does not give definition of a minor may vary by state. One custodian and one minor are we may take against such persons. You should be aware that anyone holding when we first send or make the statement available precludes you from up any rights to act on the account. The owner is responsible for any allowed per account; provided, however, that certain exceptions pursuant to the item may be entitled to enforce payment against you despite the stop- asserting a claim against us for any errors on items identified in that statement transactions of the agent. We undertake no obligation to monitor transactions to applicable state law may apply. You may wish to consult your tax advisor or payment order. and as between you and us the loss will be entirely yours. determine that they are on the owner's behalf. The owner may terminate the attorney before opening a UTMA account. Once the minor reaches the age of We are not liable for the payment of a check, following the receipt of a stop ACCOUNT TRANSFER - This account may not be transferred or assigned agency at any time, and the agency is automatically terminated by the death of majority as defined by state law in which the account was opened, we may payment request, if the check is presented electronically (such as a substitute without our prior written consent. the owner. However, we may continue to honor the transactions of the agent allow the funds to be withdrawn by the minor in accordance with the check, converted check, remotely created check, or imaged check) and does not DIRECT DEPOSITS - If we are required for any reason to reimburse the federal until: (a) we have received written notice or have actual knowledge of the custodian’s duty without waiting for instructions from the custodian. contain the check number. We will charge you the standard stop payment fee government for all or any portion of a benefit payment that was directly termination of the agency, and (b) we have a reasonable opportunity to act on Estate Account - Accounts that are opened by a fiduciary on behalf of a formal regardless of whether or not we are able honor the stop payment you requested deposited into your account, you authorize us to deduct the amount of our that notice or knowledge. We may refuse to accept the designation of an agent. estate must have a separate Taxpayer Identification Number issued by the when it was out of our control (such as the check had already cleared your liability to the federal government from the account or from any other account In Ohio, Virginia, and West Virginia, AUTHORIZED SIGNER (Individual Internal Revenue Service (IRS). Additional documentation will be required to account, the information on the check was not the same as the information you you have with us, without prior notice and at any time, except as prohibited by Accounts only) - A single individual is the owner. The authorized signer is open, in the name of the estate, any such account. provided or the check number was missing). law. We may also use any other legal remedy to recover the amount of our merely designated to conduct transactions on the owner’s behalf. The owner Electronic Documents - You agree, in your individual capacity, or in your TELEPHONE TRANSFERS - A telephone transfer of funds from this account to liability. does not give up any rights to act on the account, and the authorized signer may capacity as an authorized signer for an entity or another person, as applicable, another account with us, if otherwise arranged for or permitted, may be made TEMPORARY ACCOUNT AGREEMENT - If the account documentation not in any manner affect the rights of the owner or beneficiaries, if any, other that any document we provide or are required to provide to you in writing in by the same persons and under the same conditions generally applicable to indicates that this is a temporary account agreement, each person who signs to than by withdrawing funds from the account. The owner is responsible for any connection with your account, including but not limited to the account withdrawals made in writing. Unless a different limitation is disclosed in writing, open the account or has authority to make withdrawals (except as indicated to transactions of the authorized signer. We undertake no obligation to monitor agreement, statements, notices and any other documents, may be provided to we restrict the number of transfers from a savings account to another account or the contrary) may transact business on this account. However, we may at some transactions to determine that they are on the owner’s behalf. you electronically following your consent to receive them electronically. You to third parties, to a maximum of six per month (less the number of time in the future restrict or prohibit further use of this account if you fail to The owner may terminate the authorization at any time, and the authorization is agree that the electronic or other records we maintain shall be treated and have “preauthorized transfers” during the month). Other account transfer restrictions comply with the requirements we have imposed within a reasonable time. automatically terminated by the death of the owner. However, we may continue the same legal effect as any original document. You further agree that if your may be described elsewhere. SETOFF - We may (without prior notice and when permitted by law) set off the to honor the transactions of the authorized signer until: (a) we have received copy of the document(s) become lost or destroyed, any such event does not AMENDMENTS AND TERMINATION - We may change any term of this funds in this account against any due and payable debt any of you owe us now written notice or have actual knowledge of the termination of authority, and (b) alter your agreement to the terms and conditions of the electronic documents. agreement. Rules governing changes in interest rates are provided separately in or in the future. If this account is owned by one or more of you as individuals, we have a reasonable opportunity to act on that notice or knowledge. We may BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings the Truth-in-Savings disclosure or in another document. For other changes, we we may set off any funds in the account against a due and payable debt a refuse to accept the designation of an authorized signer. in the form of interest, dividends, or credits will be paid only on collected funds, will give you reasonable notice in writing or by any other method permitted by partnership owes us now or in the future, to the extent of your liability as a RESTRICTIVE LEGENDS OR INDORSEMENTS - The automated processing unless otherwise provided by law or our policy. You represent that you have the law. We may also close this account at any time upon reasonable notice to you partner for the partnership debt. If your debt arises from a promissory note, then of the large volume of checks we receive prevents us from inspecting or looking authority to open and conduct business on this account on behalf of the entity. and tender of the account balance personally or by mail. Items presented for the amount of the due and payable debt will be the full amount we have for restrictive legends, restrictive indorsements or other special instructions on We may require the governing body of the entity opening the account to give us payment after the account is closed may be dishonored. When you close your demanded, as entitled under the terms of the note, and this amount may include every check. Examples of restrictive legends placed on checks are “must be a separate authorization telling us who is authorized to act on its behalf. We will account, you are responsible for leaving enough money in the account to cover any portion of the balance for which we have properly accelerated the due date. presented within 90 days” or “not valid for more than $1,000.00.” The payee’s honor the authorization until we actually receive written notice of a change from any outstanding items to be paid from the account. Reasonable notice depends This right of setoff does not apply to this account if prohibited by law. For signature accompanied by the words “for deposit only” is an example of a the governing body of the entity. on the circumstances, and in some cases such as when we cannot verify your example, the right of setoff does not apply to this account if: (a) it is an restrictive indorsement. For this reason, we are not required to honor any In Maryland, North Carolina, Ohio, Pennsylvania, Virginia, and West identity or we suspect fraud, it might be reasonable for us to give you notice Individual Retirement Account or similar tax-deferred account, or (b) the debt is restrictive legend or indorsement or other special instruction placed on checks Virginia, STOP PAYMENTS - Unless otherwise provided, the rules in this after the change or account closure becomes effective. For instance, if we created by a consumer credit transaction under a credit card plan (but this does you write unless we have agreed in writing to the restriction or instruction. section cover stopping payment of items such as checks and drafts. Rules for suspect fraudulent activity with respect to your account, we might immediately not affect our rights under any consensual security interest), or (c) the debtor’s Unless we have agreed in writing, we are not responsible for any losses, claims, stopping payment of other types of transfers of funds, such as consumer freeze or close your account and then give you notice. If we have notified you of right of withdrawal only arises in a representative capacity, or (d) setoff is damages, or expenses that result from your placement of these restrictions or electronic fund transfers, may be established by law or our policy. If we have not a change in any term of your account and you continue to have your account prohibited by the Military Lending Act or its implementing regulations. We will instructions on your checks. disclosed these rules to you elsewhere, you may ask us about those rules. after the effective date of the change, you have agreed to the new term(s). In the not be liable for the dishonor of any check when the dishonor occurs because In Virginia, GUARDIAN OR CUSTODIAL ACCOUNTS - This account is not We may accept an order to stop payment on any item from any one of you. You District of Columbia, Ohio, Virginia, and West Virginia, notice from us to any one we set off a debt against this account. You agree to hold us harmless from any subject to dormant service charges if the deposit was made: (1) by a court or (2) must make any stop-payment order in the manner required by law and we must of you is notice to all of you. claim arising as a result of our exercise of our right of setoff. by a guardian pursuant to order of a court or (3) by any other person for the receive it in time to give us a reasonable opportunity to act on it before our stop- NOTICES - Any written notice you give us is effective when we actually receive In the District of Columbia, AGENCY DESIGNATION (Single-Party benefit of a person who was an infant at the time of the making of such deposit payment cutoff time. Because stop-payment orders are handled by computers, it, and it must be given to us according to the specific delivery instructions Accounts only) - A single individual is the owner. An agent may make account and which deposit is subject to withdrawal only upon the further order of such to be effective, your stop-payment order must precisely identify the number, provided elsewhere, if any. We must receive it in time to have a reasonable transactions for parties, but has no ownership or rights at death unless named court or such guardian or other person. This account may become subject to date, and amount of the item, and the payee. You may stop payment on any opportunity to act on it. If the notice is regarding a check or other item, you must as a pay on death beneficiary. The owner does not give up any rights to act on dormant service charges one year after such infant attains the age of eighteen item drawn on your account whether you sign the item or not. Generally, if your give us sufficient information to be able to identify the check or item, including the account, and the agent may not in any manner affect the rights of the owner years or one year after the death of such infant, whichever occurs sooner. At our stop-payment order is given to us in writing it is effective for six months. Your the precise check or item number, amount, date and payee. Written notice we or beneficiaries, if any, other than by withdrawing funds from the account. The option, we may require proof of guardian or custodial status. order will lapse after that time if you do not renew the order in writing before give you is effective when it is deposited in the United States Mail with proper owner is responsible for any transactions of the agent. We undertake no ESCHEATMENT - To comply with the requirements for escheatment in the the end of the six-month period. If the original stop-payment order was oral postage and addressed to your mailing address we have on file. obligation to monitor transactions to determine that they are on the owner’s state in which this account is located, we may retain the services of a third party your stop-payment order will lapse after 14 calendar days if you do not confirm ACCOUNT ERRORS AND ADJUSTMENTS - All items received for deposit behalf. processor to aid in the identification of inactive accounts and the completion of your order in writing within that time period. We are not obligated to notify you are subject to verification and collection. We may adjust your account if there The owner may terminate the agency at any time, and the agency is due diligence before funds are surrendered to the applicable state agency. when a stop-payment order expires. A release of the stop-payment request may are computation errors - for example, if you added your checks incorrectly and automatically terminated by the death of the owner. However, we may continue Should government records indicate that you and any joint account holders be made only by the person who initiated the stop-payment order. deposited more or less than you thought. If we need to investigate an to honor the transactions of the agent until: (a) we have received written notice become deceased, a third party processor may be used to identify parties not If you stop payment on an item and we incur any damages or expenses because improperly endorsed check or obtain an endorsement, we may place a hold on or have actual knowledge of the termination of the agency, and (b) we have a identified on this Agreement who may have a valid claim on any assets of the stop payment, you agree to indemnify us for those damages or expenses, your account until we can resolve the matter. You will receive provisional credit reasonable opportunity to act on that notice or knowledge. We may refuse to remaining in the account, subject to applicable laws which may vary by state. including attorneys’ fees. You assign to us all rights against the payee or any for all items posted to your account or cashed against your account and may be accept the designation of an agent. CHECK PROCESSING - We process items mechanically by relying solely on other holder of the item. You agree to cooperate with us in any legal actions that revoked if payment of the item is not received or an incorrect amount is used. In Maryland, CONVENIENCE SIGNER (Individual Accounts only) - A the information encoded in magnetic ink along the bottom of the items. This we may take against such persons. You should be aware that anyone holding We may make adjustments to your account whenever a correction or change is single individual is the owner. The convenience signer is merely designated to means that we do not individually examine all of your items to determine if the the item may be entitled to enforce payment against you despite the stop- required within a reasonable time after discovery. Such errors or adjustments conduct transactions on the owner’s behalf. The owner does not give up any item is properly completed, signed and indorsed or to determine if it contains payment order. may include, but are not limited to, deposit amounts that are recorded for the rights to act on the account, and the convenience signer may not in any manner any information other than what is encoded in magnetic ink. You agree that we We are not liable for the payment of a check, following the receipt of a stop wrong amount or items that you have deposited that are returned unpaid. If the affect the rights of the owner or beneficiaries, if any, other than by withdrawing have exercised ordinary care if our automated processing is consistent with payment request, if the check is presented electronically (such as a substitute adjustment to your account results in insufficient funds, we also have the right funds from the account. The owner is responsible for any transactions of the general banking practice, even though we do not inspect each item. Because we check, converted check, remotely created check, or imaged check) and does not to recoup the funds from your other accounts and charge you for any applicable convenience signer. We undertake no obligation to monitor transactions to do not inspect each item, if you write a check to multiple payees, we can contain the check number. We will charge you the standard stop payment fee overdraft/NSF fee according to the separate fee schedule provided. Please refer determine that they are on the owner’s behalf. properly pay the check regardless of the number of indorsements unless you regardless of whether or not we are able honor the stop payment you requested to the “Setoff” section of this agreement for additional details. The owner may terminate the convenience signer’s authorization at any time, notify us in writing that the check requires multiple indorsements. We must when it was out of our control (such as the check had already cleared your STATEMENTS - Your duty to report unauthorized signatures, and the authorization is automatically terminated by the death of the owner. receive the notice in time for us to have a reasonable opportunity to act on it, account, the information on the check was not the same as the information you alterations and forgeries - You must examine your statement of account with However, we may continue to honor the transactions of the convenience signer and you must tell us the precise date of the check, amount, check number and provided or the check number was missing). “reasonable promptness.” If you discover (or reasonably should have until: (a) we have received written notice or have actual knowledge of the payee. We are not responsible for any unauthorized signature or alteration that In District of Columbia and South Carolina, STOP PAYMENTS - Unless discovered) any unauthorized signatures or alterations, you must promptly termination of authority, and (b) we have a reasonable opportunity to act on that would not be identified by a reasonable inspection of the item. Using an otherwise provided, the rules in this section cover stopping payment of items notify us of the relevant facts. As between you and us, if you fail to do either of notice or knowledge. We may refuse to accept the designation of a convenience automated process helps us keep costs down for you and all account holders. such as checks and drafts. Rules for stopping payment of other types of these duties, you will have to either share the loss with us, or bear the loss signer. CHECK CASHING - We may charge a fee for anyone that does not have an transfers of funds, such as consumer electronic fund transfers, may be entirely yourself (depending on whether we used ordinary care and, if not, In Pennsylvania, AUTHORIZED SIGNER (Individual Accounts only) - A account with us who is cashing a check, draft or other instrument written on established by law or our policy. If we have not disclosed these rules to you whether we substantially contributed to the loss). The loss could be not only single individual is the owner. The authorized signer is merely designated to your account. We may also require reasonable identification to cash such a elsewhere, you may ask us about those rules. with respect to items on the statement but other items with unauthorized conduct transactions on the owner’s behalf. The owner does not give up any check, draft or other instrument. We can decide what identification is reasonable We may accept an order to stop payment on any item from any one of you. You signatures or alterations by the same wrongdoer. rights to act on the account, and the authorized signer may not in any manner under the circumstances and such identification may be documentary or must make any stop-payment order in the manner required by law and we must You agree that the time you have to examine your statement and report to us affect the rights of the owner or beneficiaries, if any, other than by withdrawing physical and may include collecting a thumbprint or fingerprint. receive it in time to give us a reasonable opportunity to act on it before our stop- will depend on the circumstances, but will not, in any circumstance, exceed a funds from the account. The owner is responsible for any transactions of the INDORSEMENTS - We may accept for deposit any item payable to you or your payment cutoff time. Because stop-payment orders are handled by computers, total of 30 days from when the statement is first sent or made available to you. authorized signer. We undertake no obligation to monitor transactions to order, even if they are not indorsed by you. We may give cash back to any one to be effective, your stop-payment order must precisely identify the number, You further agree that if you fail to report any unauthorized signatures, determine that they are on the owner’s behalf. The designation of an authorized of you. We may supply any missing indorsement(s) for any item we accept for date, and amount of the item, and the payee. You may stop payment on any alterations or forgeries in your account within 60 days of when we first send or signer does not create a power of attorney; therefore, the authorized signer is deposit or collection, and you warrant that all indorsements are genuine. item drawn on your account whether you sign the item or not. Your stop- make the statement available, you cannot assert a claim against us on any items not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 56; To ensure that your check or share draft is processed without delay, you must payment order is effective for six months if it is given to us in writing or by in that statement, and as between you and us the loss will be entirely yours. Decedents, Estates and Fiduciaries Code). indorse it (sign it on the back) in a specific area. Your entire indorsement another type of record (Generally, a “record” is information that is stored in This 60-day limitation is without regard to whether we used ordinary care. The

27 limitation in this paragraph is in addition to that contained in the first paragraph The owner may terminate the authorization at any time, and the authorization is (whether a signature or a stamp) along with any other indorsement information You must also take precaution in safeguarding your blank checks. Notify us at of this section. automatically terminated by the death of the owner. However, we may continue (e.g. additional indorsements, ID information, driver’s license number, etc.) must once if you believe your checks have been lost or stolen. As between you and 1 Your duty to report other errors - In addition to your duty to review your to honor the transactions of the authorized signer until: (a) we have received fall within 1 /2” of the “trailing edge” of a check. Indorsements must be made in us, if you are negligent in safeguarding your checks, you must bear the loss statements for unauthorized signatures, alterations and forgeries, you agree to written notice or have actual knowledge of the termination of authority, and (b) blue or black ink, so that they are readable by automated check processing entirely yourself or share the loss with us (we may have to share some of the examine your statement with reasonable promptness for any other error - such we have a reasonable opportunity to act on that notice or knowledge. We may equipment. loss if we failed to use ordinary care and if we substantially contributed to the as an encoding error. In addition, if you receive or we make available either your refuse to accept the designation of an authorized signer. As you look at the front of a check, the “trailing edge” is the left edge. When you loss). 1 items or images of your items, you must examine them for any unauthorized or In South Carolina, DESIGNATION OF AGENT FOR ACCOUNT (Single- flip the check over, be sure to keep all indorsement information within 1 /2” of Except for consumer electronic funds transfers subject to Regulation E, you missing indorsements or any other problems. You agree that the time you have Party Accounts only) - A single individual is the owner. The agent is that edge. agree that if we offer you services appropriate for your account to help identify to examine your statement and items and report to us will depend on the authorized to make all transactions on the account that the owner can make, and limit fraud or other unauthorized transactions against your account, such as 7654 circumstances. However, this time period shall not exceed 60 days. Failure to including, but not limited to, closing the account, but may not in any other Name positive pay or commercially reasonable security procedures, and you reject examine your statement and items and report any errors to us within 60 days of manner affect the rights of the owner or beneficiaries. The owner does not give Address, City, State 20 those services, you will be responsible for any fraudulent or unauthorized when we first send or make the statement available precludes you from up any rights to act on the account. The owner is responsible for any Pay to the transactions which could have been prevented by the services we offered, asserting a claim against us for any errors on items identified in that statement transactions of the agent. We undertake no obligation to monitor transactions to order of $ unless we acted in bad faith or to the extent our negligence contributed to the and as between you and us the loss will be entirely yours. determine that they are on the owner's behalf. The owner may terminate the dollars loss. If we offered you a commercially reasonable security procedure which you ACCOUNT TRANSFER - This account may not be transferred or assigned agency at any time, and the agency is automatically terminated by the death of Bank Name reject, you agree that you are responsible for any payment order, whether without our prior written consent. the owner. However, we may continue to honor the transactions of the agent and Location authorized or not, that we accept in compliance with an alternative security DIRECT DEPOSITS - If we are required for any reason to reimburse the federal until: (a) we have received written notice or have actual knowledge of the Memo procedure that you have selected. government for all or any portion of a benefit payment that was directly termination of the agency, and (b) we have a reasonable opportunity to act on  

TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed deposited into your account, you authorize us to deduct the amount of our that notice or knowledge. We may refuse to accept the designation of an agent. otherwise in writing, we are not required to act upon instructions you give us via liability to the federal government from the account or from any other account In Ohio, Virginia, and West Virginia, AUTHORIZED SIGNER (Individual TRAILING EDGE FRONT OF CHECK facsimile transmission or leave by voice mail or on a telephone answering you have with us, without prior notice and at any time, except as prohibited by Accounts only) - A single individual is the owner. The authorized signer is machine. law. We may also use any other legal remedy to recover the amount of our merely designated to conduct transactions on the owner’s behalf. The owner MONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO liability. does not give up any rights to act on the account, and the authorized signer may RECEIVE COMMUNICATIONS - We may monitor or record phone calls for TEMPORARY ACCOUNT AGREEMENT - If the account documentation not in any manner affect the rights of the owner or beneficiaries, if any, other security reasons, to maintain a record and to ensure that you receive courteous indicates that this is a temporary account agreement, each person who signs to than by withdrawing funds from the account. The owner is responsible for any and efficient service. You consent in advance to any such recording. We need 1 1/2" Keep your indorsement open the account or has authority to make withdrawals (except as indicated to transactions of the authorized signer. We undertake no obligation to monitor out of this area. not remind you of our recording before each phone conversation. the contrary) may transact business on this account. However, we may at some transactions to determine that they are on the owner’s behalf. YOUR INDORSEMENT MUST To provide you with the best possible service in our ongoing business time in the future restrict or prohibit further use of this account if you fail to The owner may terminate the authorization at any time, and the authorization is BE WITHIN THIS AREA relationship for your account we may need to contact you about your account comply with the requirements we have imposed within a reasonable time. automatically terminated by the death of the owner. However, we may continue from time to time by telephone, text messaging or email. However, we must SETOFF - We may (without prior notice and when permitted by law) set off the to honor the transactions of the authorized signer until: (a) we have received first obtain your consent to contact you about your account because we must funds in this account against any due and payable debt any of you owe us now written notice or have actual knowledge of the termination of authority, and (b) BACK OF CHECK comply with the consumer protection provisions in the federal Telephone or in the future. If this account is owned by one or more of you as individuals, we have a reasonable opportunity to act on that notice or knowledge. We may Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related we may set off any funds in the account against a due and payable debt a refuse to accept the designation of an authorized signer. It is important that you confine the indorsement information to this area since federal regulations and orders issued by the Federal Communications partnership owes us now or in the future, to the extent of your liability as a RESTRICTIVE LEGENDS OR INDORSEMENTS - The automated processing the remaining blank space will be used by others in the processing of the check Commission (FCC). partner for the partnership debt. If your debt arises from a promissory note, then of the large volume of checks we receive prevents us from inspecting or looking to place additional needed indorsements and information. You agree that you • Your consent is limited to this account, and as authorized by applicable law the amount of the due and payable debt will be the full amount we have for restrictive legends, restrictive indorsements or other special instructions on will indemnify, defend, and hold us harmless for any loss, liability, damage or and regulations. demanded, as entitled under the terms of the note, and this amount may include every check. Examples of restrictive legends placed on checks are “must be expense that occurs because your indorsement, another indorsement or • Your consent does not authorize us to contact you for telemarketing any portion of the balance for which we have properly accelerated the due date. presented within 90 days” or “not valid for more than $1,000.00.” The payee’s information you have printed on the back of the check obscures our purposes (unless you otherwise agreed elsewhere). This right of setoff does not apply to this account if prohibited by law. For signature accompanied by the words “for deposit only” is an example of a indorsement. With the above understandings, you authorize us to contact you regarding this example, the right of setoff does not apply to this account if: (a) it is an restrictive indorsement. For this reason, we are not required to honor any These indorsement guidelines apply to both personal and business checks. account throughout its existence using any telephone numbers or email Individual Retirement Account or similar tax-deferred account, or (b) the debt is restrictive legend or indorsement or other special instruction placed on checks DEATH OR INCOMPETENCE - You agree to notify us promptly if any person addresses that you have previously provided to us or that you may created by a consumer credit transaction under a credit card plan (but this does you write unless we have agreed in writing to the restriction or instruction. with a right to withdraw funds from your account(s) dies or is adjudicated subsequently provide to us. not affect our rights under any consensual security interest), or (c) the debtor’s Unless we have agreed in writing, we are not responsible for any losses, claims, (determined by the appropriate official) incompetent. We may continue to honor This consent is regardless of whether the number we use to contact you is right of withdrawal only arises in a representative capacity, or (d) setoff is damages, or expenses that result from your placement of these restrictions or your checks, items, and instructions until: (a) we know of your death or assigned to a landline, a paging service, a cellular wireless service, a specialized prohibited by the Military Lending Act or its implementing regulations. We will instructions on your checks. adjudication of incompetence, and (b) we have had a reasonable opportunity to mobile radio service, other radio common carrier service or any other service for not be liable for the dishonor of any check when the dishonor occurs because In Virginia, GUARDIAN OR CUSTODIAL ACCOUNTS - This account is not act on that knowledge. You agree that we may pay or certify checks drawn on or which you may be charged for the call. You further authorize us to contact you we set off a debt against this account. You agree to hold us harmless from any subject to dormant service charges if the deposit was made: (1) by a court or (2) before the date of death or adjudication of incompetence for up to ten (10) days through the use of voice, voice mail and text messaging, including the use of claim arising as a result of our exercise of our right of setoff. by a guardian pursuant to order of a court or (3) by any other person for the after your death or adjudication of incompetence unless ordered to stop pre-recorded or artificial voice messages and an automated dialing device. In the District of Columbia, AGENCY DESIGNATION (Single-Party benefit of a person who was an infant at the time of the making of such deposit payment by someone claiming an interest in the account. If necessary, you may change or remove any of the telephone numbers or email Accounts only) - A single individual is the owner. An agent may make account and which deposit is subject to withdrawal only upon the further order of such FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a addresses at any time using any reasonable means to notify us. transactions for parties, but has no ownership or rights at death unless named court or such guardian or other person. This account may become subject to fiduciary capacity. A fiduciary is someone who is appointed to act on behalf of CLAIM OF LOSS - If you claim a credit or refund because of a forgery, as a pay on death beneficiary. The owner does not give up any rights to act on dormant service charges one year after such infant attains the age of eighteen and for the benefit of another. We are not responsible for the actions of a alteration, or any other unauthorized withdrawal, you agree to cooperate with us the account, and the agent may not in any manner affect the rights of the owner years or one year after the death of such infant, whichever occurs sooner. At our fiduciary, including the misuse of funds. This account may be opened and in the investigation of the loss, including giving us an affidavit containing or beneficiaries, if any, other than by withdrawing funds from the account. The option, we may require proof of guardian or custodial status. maintained by a person or persons named as a trustee under a written trust whatever reasonable information we require concerning your account, the owner is responsible for any transactions of the agent. We undertake no ESCHEATMENT - To comply with the requirements for escheatment in the agreement, or as executors, administrators, or conservators under court orders. transaction, and the circumstances surrounding the loss. You will notify law obligation to monitor transactions to determine that they are on the owner’s state in which this account is located, we may retain the services of a third party You understand that by merely opening such an account, we are not acting in enforcement authorities of any criminal act related to the claim of lost, missing, behalf. processor to aid in the identification of inactive accounts and the completion of the capacity of a trustee in connection with the trust nor do we undertake any or stolen checks or unauthorized withdrawals. We will have a reasonable period The owner may terminate the agency at any time, and the agency is due diligence before funds are surrendered to the applicable state agency. obligation to monitor or enforce the terms of the trust or letters. of time to investigate the facts and circumstances surrounding any claim of loss. automatically terminated by the death of the owner. However, we may continue Should government records indicate that you and any joint account holders CREDIT VERIFICATION - You agree that we may verify credit and Unless we have acted in bad faith, we will not be liable for special or to honor the transactions of the agent until: (a) we have received written notice become deceased, a third party processor may be used to identify parties not employment history by any necessary means, including preparation of a credit consequential damages, including loss of profits or opportunity, or for or have actual knowledge of the termination of the agency, and (b) we have a identified on this Agreement who may have a valid claim on any assets report by a credit reporting agency. attorneys’ fees incurred by you. reasonable opportunity to act on that notice or knowledge. We may refuse to remaining in the account, subject to applicable laws which may vary by state. LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a You agree that you will not waive any rights you have to recover your loss accept the designation of an agent. CHECK PROCESSING - We process items mechanically by relying solely on subpoena, restraining order, writ of attachment or execution, levy, garnishment, against anyone who is obligated to repay, insure, or otherwise reimburse you In Maryland, CONVENIENCE SIGNER (Individual Accounts only) - A the information encoded in magnetic ink along the bottom of the items. This search warrant, or similar order relating to your account (termed “legal action” for your loss. You will pursue your rights or, at our option, assign them to us so single individual is the owner. The convenience signer is merely designated to means that we do not individually examine all of your items to determine if the in this section), we will comply with that legal action. Or, in our discretion, we that we may pursue them. Our liability will be reduced by the amount you conduct transactions on the owner’s behalf. The owner does not give up any item is properly completed, signed and indorsed or to determine if it contains may freeze the assets in the account and not allow any payments out of the recover or are entitled to recover from these other sources. rights to act on the account, and the convenience signer may not in any manner any information other than what is encoded in magnetic ink. You agree that we account until a final court determination regarding the legal action. We may do EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We affect the rights of the owner or beneficiaries, if any, other than by withdrawing have exercised ordinary care if our automated processing is consistent with these things even if the legal action involves less than all of you. In these cases, may impose early withdrawal penalties on a withdrawal from a time account funds from the account. The owner is responsible for any transactions of the general banking practice, even though we do not inspect each item. Because we we will not have any liability to you if there are insufficient funds to pay your even if you don’t initiate the withdrawal. For instance, the early withdrawal convenience signer. We undertake no obligation to monitor transactions to do not inspect each item, if you write a check to multiple payees, we can items because we have withdrawn funds from your account or in any way penalty may be imposed if the withdrawal is caused by our setoff against funds determine that they are on the owner’s behalf. properly pay the check regardless of the number of indorsements unless you restricted access to your funds in accordance with the legal action. Any fees or in the account or as a result of an attachment or other legal process. We may The owner may terminate the convenience signer’s authorization at any time, notify us in writing that the check requires multiple indorsements. We must expenses we incur in responding to any legal action (including, without close your account and impose the early withdrawal penalty on the entire and the authorization is automatically terminated by the death of the owner. receive the notice in time for us to have a reasonable opportunity to act on it, limitation, attorneys’ fees and our internal expenses) may be charged against account balance in the event of a partial early withdrawal. See your notice of However, we may continue to honor the transactions of the convenience signer and you must tell us the precise date of the check, amount, check number and your account. The list of fees applicable to your account(s) provided elsewhere penalty for early withdrawals for additional information. until: (a) we have received written notice or have actual knowledge of the payee. We are not responsible for any unauthorized signature or alteration that may specify additional fees that we may charge for certain legal actions. ADDRESS OR NAME CHANGES - You are responsible for notifying us of any termination of authority, and (b) we have a reasonable opportunity to act on that would not be identified by a reasonable inspection of the item. Using an SECURITY - It is your responsibility to protect the account numbers and change in your address or your name. Unless we agree otherwise, change of notice or knowledge. We may refuse to accept the designation of a convenience automated process helps us keep costs down for you and all account holders. electronic access devices (e.g., an ATM card) we provide you for your address or name must be made in writing by at least one of the account holders. signer. CHECK CASHING - We may charge a fee for anyone that does not have an account(s). Do not discuss, compare, or share information about your account Informing us of your address or name change on a check reorder form is not In Pennsylvania, AUTHORIZED SIGNER (Individual Accounts only) - A account with us who is cashing a check, draft or other instrument written on number(s) with anyone unless you are willing to give them full use of your sufficient. We will attempt to communicate with you only by use of the most single individual is the owner. The authorized signer is merely designated to your account. We may also require reasonable identification to cash such a money. An account number can be used by thieves to issue an electronic debit recent address you have provided to us. If provided elsewhere, we may impose conduct transactions on the owner’s behalf. The owner does not give up any check, draft or other instrument. We can decide what identification is reasonable or to encode your number on a false demand draft which looks like and a service fee if we attempt to locate you. rights to act on the account, and the authorized signer may not in any manner under the circumstances and such identification may be documentary or functions like an authorized check. If you furnish your access device and grant TRANSFER OF ACCOUNT OWNERSHIP - Ownership of checking, savings, affect the rights of the owner or beneficiaries, if any, other than by withdrawing physical and may include collecting a thumbprint or fingerprint. actual authority to make transfers to another person (a family member or money market and certificate of deposit accounts is transferable only with our funds from the account. The owner is responsible for any transactions of the INDORSEMENTS - We may accept for deposit any item payable to you or your coworker, for example) who then exceeds that authority, you are liable for the written permission after you complete our appropriate forms, and, in most authorized signer. We undertake no obligation to monitor transactions to order, even if they are not indorsed by you. We may give cash back to any one transfers unless we have been notified that transfers by that person are no cases, would require the account to be closed and open a new account. determine that they are on the owner’s behalf. The designation of an authorized of you. We may supply any missing indorsement(s) for any item we accept for longer authorized. RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on signer does not create a power of attorney; therefore, the authorized signer is deposit or collection, and you warrant that all indorsements are genuine. Your account number can also be used to electronically remove money from the funds in your account (refuse payment or withdrawal of the funds) if it not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 56; To ensure that your check or share draft is processed without delay, you must your account, and payment can be made from your account even though you becomes subject to a claim adverse to (1) your own interest; (2) others claiming Decedents, Estates and Fiduciaries Code). indorse it (sign it on the back) in a specific area. Your entire indorsement did not contact us directly and order the payment. an interest as survivors or beneficiaries of your account; or (3) a claim arising by

28 (whether a signature or a stamp) along with any other indorsement information You must also take precaution in safeguarding your blank checks. Notify us at operation of law. The hold may be placed for such period of time as we believe You shall be responsible for the immediate repayment of a negative balance (e.g. additional indorsements, ID information, driver’s license number, etc.) must once if you believe your checks have been lost or stolen. As between you and reasonably necessary to allow a legal proceeding to determine the merits of the resulting from an NSF or an overdraft regardless of whether we pay or return 1 fall within 1 /2” of the “trailing edge” of a check. Indorsements must be made in us, if you are negligent in safeguarding your checks, you must bear the loss claim or until we receive evidence satisfactory to us that the dispute has been the item. The Bank charges a per item fee regardless of whether the item is paid blue or black ink, so that they are readable by automated check processing entirely yourself or share the loss with us (we may have to share some of the resolved. We will not be liable for any items that are dishonored as a or returned and the customer shall be responsible for the payment of the equipment. loss if we failed to use ordinary care and if we substantially contributed to the consequence of placing a hold on funds in your account for these reasons. overdraft plus any fee assessed in association with an overdraft. Please refer to As you look at the front of a check, the “trailing edge” is the left edge. When you loss). WAIVER OF NOTICES - To the extent permitted by law, you waive any notice your fee schedule for additional information on what is charged for overdrafts, 1 flip the check over, be sure to keep all indorsement information within 1 /2” of Except for consumer electronic funds transfers subject to Regulation E, you of non-payment, dishonor or protest regarding any items credited to or charged declined or returned items, and if the account remains overdrawn for a period of that edge. agree that if we offer you services appropriate for your account to help identify against your account. For example, if you deposit a check and it is returned five or more days. and limit fraud or other unauthorized transactions against your account, such as unpaid or we receive a notice of nonpayment, we do not have to notify you If you fail to repay the amount overdrawn and applicable fees or charges, we 7654 Name positive pay or commercially reasonable security procedures, and you reject unless required by federal Regulation CC or other law. have the right to pursue the collection of your account. This right continues even Address, City, State 20 those services, you will be responsible for any fraudulent or unauthorized STALE-DATED CHECKS - We are not obligated to, but may at our option, pay after your account has been closed and charged off. You agree to pay all costs Pay to the transactions which could have been prevented by the services we offered, a check, other than a certified check, presented for payment more than six and expenses, including attorney’s fees, we incur in collecting any overdraft. We order of $ unless we acted in bad faith or to the extent our negligence contributed to the months after its date. If you do not want us to pay a stale-dated check, you must may also report you to consumer credit reporting agencies, close your account, dollars loss. If we offered you a commercially reasonable security procedure which you place a stop-payment order on the check in the manner we have described or both. These actions could affect your ability to open accounts in the future. Bank Name reject, you agree that you are responsible for any payment order, whether elsewhere. ATM and One-time Debit Card Transactions - In order for us to authorize and Location authorized or not, that we accept in compliance with an alternative security ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the payment of ATM and one-time debit card transactions that overdraw your Memo procedure that you have selected. Uniform Commercial Code - Fund Transfers as adopted in the state in which you account, you must affirmatively authorize us to do so. You have the right to  

TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed have your account with us. If you originate a fund transfer and you identify by revoke this authorization at any time. If you do not have sufficient funds in your otherwise in writing, we are not required to act upon instructions you give us via name and number a beneficiary financial institution, an intermediary financial account, we will not authorize an ATM or one-time debit card transaction unless TRAILING EDGE FRONT OF CHECK facsimile transmission or leave by voice mail or on a telephone answering institution or a beneficiary, we and every receiving or beneficiary financial you have authorized us to do so. machine. institution may rely on the identifying number to make payment. We may rely Under certain limited circumstances, we reserve the right to authorize the MONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO on the number even if it identifies a financial institution, person or account other payment of an ATM or one-time debit card transaction even if you have not RECEIVE COMMUNICATIONS - We may monitor or record phone calls for than the one named. You agree to be bound by automated clearing house authorized us to do so. Such a circumstance could arise where we receive a security reasons, to maintain a record and to ensure that you receive courteous association rules. These rules provide, among other things, that payments made preliminary request for authorization for payment of a one-time debit card and efficient service. You consent in advance to any such recording. We need to you, or originated by you, are provisional until final settlement is made transaction from a merchant at a time when your Available Account Balance 1 1/2" Keep your indorsement out of this area. not remind you of our recording before each phone conversation. through a Federal Reserve Bank or payment is otherwise made as provided in contains sufficient funds. However, if the merchant submits the transaction for YOUR INDORSEMENT MUST To provide you with the best possible service in our ongoing business Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such final authorization on a later day, your Available Account Balance may have BE WITHIN THIS AREA relationship for your account we may need to contact you about your account payment, we are entitled to a refund from you in the amount credited to your been reduced by other items that were received and posted to your account on from time to time by telephone, text messaging or email. However, we must account and the party originating such payment will not be considered to have subsequent days, which could cause the one-time debit card transaction to first obtain your consent to contact you about your account because we must paid the amount so credited. Credit entries may be made by ACH. If we receive a overdraft your account. If you do not have sufficient funds in your BACK OF CHECK comply with the consumer protection provisions in the federal Telephone payment order to credit an account you have with us by wire or ACH, we are not account to cover such a one-time debit card transaction at the time it Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their related required to give you any notice of the payment order or credit. is presented for final authorization, its posting will overdraw your It is important that you confine the indorsement information to this area since federal regulations and orders issued by the Federal Communications CASH LIMITS - Customers may obtain no more than $3,000.00 in cash per day account. In the event you have not authorized us to overdraw your account for the remaining blank space will be used by others in the processing of the check Commission (FCC). unless arrangements are made with a particular Branch Manager at least two (2) the payment of ATM and one-time debit card transactions, we would not charge to place additional needed indorsements and information. You agree that you • Your consent is limited to this account, and as authorized by applicable law business days in advance. We reserve the right to place an absolute limit on the an overdraft fee. Information on authorizing us to pay ATM and one-time debit will indemnify, defend, and hold us harmless for any loss, liability, damage or and regulations. amount of cash that may be obtained, regardless of notice. card transactions that result in overdrafts is provided separately. expense that occurs because your indorsement, another indorsement or • Your consent does not authorize us to contact you for telemarketing ENDORSEMENT GUARANTEES - United Bank reserves the right to require an Courtesy Overdraft Plan - If you are covered by our Courtesy Overdraft Plan information you have printed on the back of the check obscures our purposes (unless you otherwise agreed elsewhere). endorsement guarantee on checks of $3,000.00 or more, presented for cash by a and there are sufficient available funds under that plan to cover the amount of indorsement. With the above understandings, you authorize us to contact you regarding this non-customer. an overdraft, we may at our discretion pay the item and charge you the related These indorsement guidelines apply to both personal and business checks. account throughout its existence using any telephone numbers or email INSUFFICIENT FUNDS/OVERDRAFTS (NSF) - This section explains our service fee. Please refer to the “United Overdraft Protection” section for the DEATH OR INCOMPETENCE - You agree to notify us promptly if any person addresses that you have previously provided to us or that you may policies and rules for the payment and return of NSF items and your terms and conditions of this plan. with a right to withdraw funds from your account(s) dies or is adjudicated subsequently provide to us. responsibilities. We do not encourage routine or intentional overdrafts. We Posting Order - We may pay items drawn on your account in any order (for (determined by the appropriate official) incompetent. We may continue to honor This consent is regardless of whether the number we use to contact you is encourage you to make careful records and practice good account management purposes of this section, please see the definition for items posted above). To your checks, items, and instructions until: (a) we know of your death or assigned to a landline, a paging service, a cellular wireless service, a specialized such as recording transactions in your account register and balancing your assist you in handling your account with us, we are providing you with the adjudication of incompetence, and (b) we have had a reasonable opportunity to mobile radio service, other radio common carrier service or any other service for account at least monthly. This will help you to avoid overdrawing your account following information regarding how we process those items. Our policy is to act on that knowledge. You agree that we may pay or certify checks drawn on or which you may be charged for the call. You further authorize us to contact you and incurring the resulting fees. generally post checks, recurring and one-time debit card transactions, before the date of death or adjudication of incompetence for up to ten (10) days through the use of voice, voice mail and text messaging, including the use of Definition of “Insufficient Funds” (NSF) - An “NSF” is when an item is presented automated clearing house (“ACH”) transactions, automated teller machine after your death or adjudication of incompetence unless ordered to stop pre-recorded or artificial voice messages and an automated dialing device. for payment to your account and your Available Account Balance does not have (“ATM”) transactions, “bill pay” transactions, and other items to your account at payment by someone claiming an interest in the account. If necessary, you may change or remove any of the telephone numbers or email sufficient funds to cover the item. For each item presented for payment to your the end of each business day following the posting of deposits that were FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a addresses at any time using any reasonable means to notify us. account for which you lack sufficient funds that we deny, reject or return, your received on the same business day. The order in which we post will depend on fiduciary capacity. A fiduciary is someone who is appointed to act on behalf of CLAIM OF LOSS - If you claim a credit or refund because of a forgery, account will be charged an NSF fee. If we pay the item rather than denying, several factors including the processing of items based on their inclusion within and for the benefit of another. We are not responsible for the actions of a alteration, or any other unauthorized withdrawal, you agree to cooperate with us rejecting or returning it unpaid, your account is considered in overdraft status various categories and the established payment rules applicable to each of these fiduciary, including the misuse of funds. This account may be opened and in the investigation of the loss, including giving us an affidavit containing and an overdraft fee charged. categories. We reserve the right to choose the order in which the items are maintained by a person or persons named as a trustee under a written trust whatever reasonable information we require concerning your account, the Definition of “Items” - Items include all orders and instructions for the payment, posted and the right to change any of the factors at any time without notice. agreement, or as executors, administrators, or conservators under court orders. transaction, and the circumstances surrounding the loss. You will notify law transfer, or withdrawal of funds from your account. Examples include by check, • The categories in which we post shall be defined by us. This means we You understand that by merely opening such an account, we are not acting in enforcement authorities of any criminal act related to the claim of lost, missing, draft, recurring and one-time debit card transaction, automated teller machine have the right to group items together within a category and to determine the capacity of a trustee in connection with the trust nor do we undertake any or stolen checks or unauthorized withdrawals. We will have a reasonable period (“ATM”) transaction, automated clearing house (“ACH”) transaction, what items will be included in each category. obligation to monitor or enforce the terms of the trust or letters. of time to investigate the facts and circumstances surrounding any claim of loss. preauthorized payment, automatic transfer, in person withdrawal and Online • The order in which items are posted in each category shall be defined by CREDIT VERIFICATION - You agree that we may verify credit and Unless we have acted in bad faith, we will not be liable for special or transfer or bill pay. us. This can include posting all items in one category before we post any employment history by any necessary means, including preparation of a credit consequential damages, including loss of profits or opportunity, or for Definition of “Available Account Balance” - The Available Account Balance is the items contained in another category. report by a credit reporting agency. attorneys’ fees incurred by you. most current record we have about the funds in your account that are available • The order in which items post in a single category may vary. For example, LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a You agree that you will not waive any rights you have to recover your loss for withdrawal. It does not reflect outstanding items and overdrafts may still the posting of some categories of items may be determined by dollar subpoena, restraining order, writ of attachment or execution, levy, garnishment, against anyone who is obligated to repay, insure, or otherwise reimburse you occur. For example, if you have written a check and the payee has not submitted amount (such as low to high) and a different order determined by us for search warrant, or similar order relating to your account (termed “legal action” for your loss. You will pursue your rights or, at our option, assign them to us so it to us for payment, your available balance would not reflect the reduction for another. in this section), we will comply with that legal action. Or, in our discretion, we that we may pursue them. Our liability will be reduced by the amount you the amount of the check. The Available Account Balance may not include the Some items that are received or transacted after the cut-off of our normal may freeze the assets in the account and not allow any payments out of the recover or are entitled to recover from these other sources. reduction for a one-time debit card transaction if the merchant has not banking day may post to your account on the day they are received or account until a final court determination regarding the legal action. We may do EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We submitted it for payment within three (3) business days of its authorization. transacted and will affect your Available Account Balance. Examples include these things even if the legal action involves less than all of you. In these cases, may impose early withdrawal penalties on a withdrawal from a time account Finally, your Available Account Balance may not reflect the most recent deposits transfers between accounts with United, online bill pay transactions, telephone we will not have any liability to you if there are insufficient funds to pay your even if you don’t initiate the withdrawal. For instance, the early withdrawal to your account. Please refer to “Your Ability to Withdraw Funds Policy” for banking transactions or transactions through any of our ATMs. This process can items because we have withdrawn funds from your account or in any way penalty may be imposed if the withdrawal is caused by our setoff against funds additional details on the availability rules for withdrawing funds from your result in your account becoming overdrawn and related fees charged. restricted access to your funds in accordance with the legal action. Any fees or in the account or as a result of an attachment or other legal process. We may account. The order in which we post items may not be the order in which they appear on expenses we incur in responding to any legal action (including, without close your account and impose the early withdrawal penalty on the entire Overdrafts - If you do not have sufficient funds in your Available Account your statement. The number of items and type of items paid or returned and the limitation, attorneys’ fees and our internal expenses) may be charged against account balance in the event of a partial early withdrawal. See your notice of Balance to cover all items presented for payment on any given day, one of two related service fees assessed could be affected by the order that we choose to your account. The list of fees applicable to your account(s) provided elsewhere penalty for early withdrawals for additional information. things will happen depending on the specific terms of your account: post items. For example, the order in which we pay may result in an item that may specify additional fees that we may charge for certain legal actions. ADDRESS OR NAME CHANGES - You are responsible for notifying us of any • Checks or other withdrawals will be paid and your account will be charged you feel is more important being returned or the total number of overdrafts and SECURITY - It is your responsibility to protect the account numbers and change in your address or your name. Unless we agree otherwise, change of an overdraft or courtesy overdraft fee; or related fees being higher than if we posted the items in a different order. electronic access devices (e.g., an ATM card) we provide you for your address or name must be made in writing by at least one of the account holders. • Checks or other withdrawals will be returned unpaid and your account will United Overdraft Protection - It is the policy of United to comply with all account(s). Do not discuss, compare, or share information about your account Informing us of your address or name change on a check reorder form is not be charged an NSF fee. If an item is presented more than once by the applicable laws and regulations and to conduct business in accordance with number(s) with anyone unless you are willing to give them full use of your sufficient. We will attempt to communicate with you only by use of the most presenting bank and there are insufficient funds, you will be charged an applicable safety and soundness standards. money. An account number can be used by thieves to issue an electronic debit recent address you have provided to us. If provided elsewhere, we may impose NSF fee each time the item is returned. You may also be charged a fee by United is not obligated to pay any item presented for payment if your account or to encode your number on a false demand draft which looks like and a service fee if we attempt to locate you. the payee (the person or company to whom you've written the check or does not contain sufficient collected (Available Account Balance) funds. Any functions like an authorized check. If you furnish your access device and grant TRANSFER OF ACCOUNT OWNERSHIP - Ownership of checking, savings, transacted the withdrawal). discretionary courtesy payment by United of any NSF check or checks (or other actual authority to make transfers to another person (a family member or money market and certificate of deposit accounts is transferable only with our Overdrafts are paid at our discretion and there is no guarantee that we will items such as in-person withdrawal, automated teller machine (“ATM”), coworker, for example) who then exceeds that authority, you are liable for the written permission after you complete our appropriate forms, and, in most authorize and pay them. If we do pay an item or items that overdraw your recurring or one-time debit card transaction, automated clearing house (“ACH”) transfers unless we have been notified that transfers by that person are no cases, would require the account to be closed and open a new account. account, it does not mean that we will continue to do so in the future. We also preauthorized payment or automatic transfer) does not obligate the Bank to pay longer authorized. RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on reserve the right to pay all, some or none of the items that overdraw your any additional NSF check or item or to provide prior written notice of its Your account number can also be used to electronically remove money from the funds in your account (refuse payment or withdrawal of the funds) if it account. You have the right to opt out of allowing us to authorize the decision to refuse to pay any additional non-sufficient fund check or item. In your account, and payment can be made from your account even though you becomes subject to a claim adverse to (1) your own interest; (2) others claiming payment of an item that overdraws your account. If we do not authorize order for United to authorize payment of ATM and one-time debit card did not contact us directly and order the payment. an interest as survivors or beneficiaries of your account; or (3) a claim arising by the payment of an item, it will be returned and an NSF fee charged for each item transactions at our discretion, you must affirmatively authorize us to do so. returned. Information on authorizing us to pay ATM and one-time debit card transactions that result in overdrafts is provided separately. 29 operation of law. The hold may be placed for such period of time as we believe You shall be responsible for the immediate repayment of a negative balance If you maintain a Consumer Account primarily used for personal and household YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND reasonably necessary to allow a legal proceeding to determine the merits of the resulting from an NSF or an overdraft regardless of whether we pay or return purposes, and thereafter you maintain your account in good standing, which UNITED ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO claim or until we receive evidence satisfactory to us that the dispute has been the item. The Bank charges a per item fee regardless of whether the item is paid includes at least: PARTICIPATE IN A CLASS ACTION. resolved. We will not be liable for any items that are dishonored as a or returned and the customer shall be responsible for the payment of the • Making regular deposits consistent with your past practices; This Agreement pertains to a transaction in interstate commerce, and thus the consequence of placing a hold on funds in your account for these reasons. overdraft plus any fee assessed in association with an overdraft. Please refer to • Not being in default on any loan obligations to United; and Federal Arbitration Act (9 U.S.C. § 1 et seq.) applies to the interpretation and WAIVER OF NOTICES - To the extent permitted by law, you waive any notice your fee schedule for additional information on what is charged for overdrafts, • Not subject to any legal or administrative order or levy. enforcement of this agreement to arbitrate, notwithstanding any choice of law of non-payment, dishonor or protest regarding any items credited to or charged declined or returned items, and if the account remains overdrawn for a period of Then United will consider, as a courtesy and not as a right or obligation, provision in this Agreement or any prior or other agreement between us. This against your account. For example, if you deposit a check and it is returned five or more days. approving your reasonable overdrafts. agreement to arbitrate shall survive the termination of this Agreement or of any unpaid or we receive a notice of nonpayment, we do not have to notify you If you fail to repay the amount overdrawn and applicable fees or charges, we This courtesy will generally be limited to the amount of your overdraft subsequent agreement between us. unless required by federal Regulation CC or other law. have the right to pursue the collection of your account. This right continues even protection (as reduced by any overdraft fees) that is disclosed to you when you (2) Before you may seek arbitration you must first send to United, by certified STALE-DATED CHECKS - We are not obligated to, but may at our option, pay after your account has been closed and charged off. You agree to pay all costs become a United Overdraft Protection customer. In the future, your limit may be mail, a written Notice of Dispute (“Notice”). The Notice to United should be a check, other than a certified check, presented for payment more than six and expenses, including attorney’s fees, we incur in collecting any overdraft. We increased or reduced based on our internal criteria. You may opt out of this addressed to: Vice President of Compliance, United Bankshares, Inc., 1200 months after its date. If you do not want us to pay a stale-dated check, you must may also report you to consumer credit reporting agencies, close your account, service at any time. Grosscup Avenue, Dunbar, West Virginia 25064 (“Notice Address”). The Notice place a stop-payment order on the check in the manner we have described or both. These actions could affect your ability to open accounts in the future. If you wish to opt out of this service at this time or anytime in the must (a) describe the nature and basis of the claim or dispute; and (b) set forth elsewhere. ATM and One-time Debit Card Transactions - In order for us to authorize future please notify us in writing at: Customer Service Center, ODP the specific relief sought (“Demand”). If United and you do not resolve the claim ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the payment of ATM and one-time debit card transactions that overdraw your Opt Out, P.O. Box 393, Charleston, West Virginia 25322. In the event you or dispute within 30 days after the Notice is received, you or United may Uniform Commercial Code - Fund Transfers as adopted in the state in which you account, you must affirmatively authorize us to do so. You have the right to wish to opt out of this service, your opt out will only become effective once we commence an arbitration proceeding. have your account with us. If you originate a fund transfer and you identify by revoke this authorization at any time. If you do not have sufficient funds in your receive your written notification and have had a reasonable time period to Before United may seek arbitration of any claim or dispute it has against you, name and number a beneficiary financial institution, an intermediary financial account, we will not authorize an ATM or one-time debit card transaction unless remove this service from your account. United shall be required to send to you, by certified mail to your official address institution or a beneficiary, we and every receiving or beneficiary financial you have authorized us to do so. Any and all bank fees and charges, including without limitation nonsufficient on file in United’s records, a written Notice of Dispute. The Notice of Dispute institution may rely on the identifying number to make payment. We may rely Under certain limited circumstances, we reserve the right to authorize the fund/overdraft fees, will be included in this limit. Please refer to our “Fee shall (a) describe the nature and basis of the claim or dispute between us; and on the number even if it identifies a financial institution, person or account other payment of an ATM or one-time debit card transaction even if you have not Schedule” for additional details regarding the type and amount of fees (b) set forth the specific relief sought by United. If you and United do not resolve than the one named. You agree to be bound by automated clearing house authorized us to do so. Such a circumstance could arise where we receive a associated with overdrafts and this Program. the claim or dispute within 30 days after you receive the Notice of Dispute, you association rules. These rules provide, among other things, that payments made preliminary request for authorization for payment of a one-time debit card The privileges associated with your United Overdraft Protection will be or United may commence an arbitration proceeding. to you, or originated by you, are provisional until final settlement is made transaction from a merchant at a time when your Available Account Balance suspended or revoked if your account (including repayment of overdraft fees) is During the arbitration, the amount of any settlement offer made by United to through a Federal Reserve Bank or payment is otherwise made as provided in contains sufficient funds. However, if the merchant submits the transaction for not returned to a positive balance within 30 calendar days or less. However, we you shall not be disclosed to the arbitrator until after the arbitrator determines Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such final authorization on a later day, your Available Account Balance may have can demand payment at any time we feel it is necessary. If your United the amount, if any, to which you are entitled. payment, we are entitled to a refund from you in the amount credited to your been reduced by other items that were received and posted to your account on Overdraft Protection privileges have been suspended or revoked because you (3) After United receives notice at the Notice Address that you have commenced account and the party originating such payment will not be considered to have subsequent days, which could cause the one-time debit card transaction to failed to return your account to a positive balance, we reserve the right to arbitration, it will promptly reimburse you for your payment of the arbitration paid the amount so credited. Credit entries may be made by ACH. If we receive a overdraft your account. If you do not have sufficient funds in your reinstate your United Overdraft Protection privileges at any time without notice filing fee, unless your claim is for more than $75,000. The filing fee is currently payment order to credit an account you have with us by wire or ACH, we are not account to cover such a one-time debit card transaction at the time it after you have returned your account to a positive balance. $125 for claims under $10,000 but is subject to change by the arbitration required to give you any notice of the payment order or credit. is presented for final authorization, its posting will overdraw your Items are not necessarily processed in the order you transact them. The order in provider. If you are unable to pay this fee, United will pay it directly upon CASH LIMITS - Customers may obtain no more than $3,000.00 in cash per day account. In the event you have not authorized us to overdraw your account for which items are paid can be affected by a number of factors, including how receiving a written request at the Notice Address. unless arrangements are made with a particular Branch Manager at least two (2) the payment of ATM and one-time debit card transactions, we would not charge quickly the parties with whom you transacted the items present them to us or The arbitration will be governed by the Commercial Arbitration Rules and the business days in advance. We reserve the right to place an absolute limit on the an overdraft fee. Information on authorizing us to pay ATM and one-time debit their banks for payment. This may affect the number of overdraft items that will Supplementary Procedures for Consumer Related Disputes (collectively “AAA amount of cash that may be obtained, regardless of notice. card transactions that result in overdrafts is provided separately. be covered by United Overdraft Protection. Rules”) of the American Arbitration Association (“AAA”), as modified by this ENDORSEMENT GUARANTEES - United Bank reserves the right to require an Courtesy Overdraft Plan - If you are covered by our Courtesy Overdraft Plan Generally, United will limit this courtesy to only one account per household. Agreement, and will be administered by the AAA. The AAA Rules are available endorsement guarantee on checks of $3,000.00 or more, presented for cash by a and there are sufficient available funds under that plan to cover the amount of Again, approval of reasonable overdrafts through United Overdraft Protection online at www.adr.org, by calling the AAA at 1.800.778.7879, or by writing to the non-customer. an overdraft, we may at our discretion pay the item and charge you the related on consumer accounts in good standing (as described above) is only a courtesy, Notice Address. INSUFFICIENT FUNDS/OVERDRAFTS (NSF) - This section explains our service fee. Please refer to the “United Overdraft Protection” section for the and not a right or an obligation. It is within United's sole and absolute discretion If AAA is unable or unwilling to serve as the provider or administrator of policies and rules for the payment and return of NSF items and your terms and conditions of this plan. to cease this service at any time without prior written notice, reason or cause. arbitration, United may substitute another national arbitration organization with responsibilities. We do not encourage routine or intentional overdrafts. We Posting Order - We may pay items drawn on your account in any order (for United Overdraft Protection is a non-contractual service provided by United similar procedures. encourage you to make careful records and practice good account management purposes of this section, please see the definition for items posted above). To Bank, which may be withdrawn at any time by the Bank. Certain restrictions may The arbitrator is bound by the terms of this Agreement. All issues are for the such as recording transactions in your account register and balancing your assist you in handling your account with us, we are providing you with the apply. arbitrator to decide, except issues relating to the scope and account at least monthly. This will help you to avoid overdrawing your account following information regarding how we process those items. Our policy is to RESOLUTION OF DISPUTES BETWEEN YOU AND UNITED enforceability of the arbitration agreement that are for the court to and incurring the resulting fees. generally post checks, recurring and one-time debit card transactions, I. Resolution of Disputes Through Binding Arbitration decide. Definition of “Insufficient Funds” (NSF) - An “NSF” is when an item is presented automated clearing house (“ACH”) transactions, automated teller machine PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. Unless United and you agree otherwise, any arbitration hearings will take place for payment to your account and your Available Account Balance does not have (“ATM”) transactions, “bill pay” transactions, and other items to your account at References to “United,” “you,” and “us” include our respective subsidiaries, in the county of your billing address. If your claim is for $10,000 or less, we sufficient funds to cover the item. For each item presented for payment to your the end of each business day following the posting of deposits that were corporate parents, affiliates, agents, employees, predecessors in interest, agree that you may choose whether the arbitration will be conducted solely on account for which you lack sufficient funds that we deny, reject or return, your received on the same business day. The order in which we post will depend on successors, and assigns, as well as all authorized or unauthorized users of your the basis of documents submitted to the arbitrator, through a telephonic account will be charged an NSF fee. If we pay the item rather than denying, several factors including the processing of items based on their inclusion within United demand deposit account(s) or United-branded debit or automated teller hearing, or by an in-person hearing as established by the AAA Rules. If your rejecting or returning it unpaid, your account is considered in overdraft status various categories and the established payment rules applicable to each of these machine card(s) under this or any prior or other agreements between us. claim exceeds $10,000, the right to a hearing will be determined by the AAA and an overdraft fee charged. categories. We reserve the right to choose the order in which the items are Most customer concerns can be resolved to your satisfaction by calling our Rules. Definition of “Items” - Items include all orders and instructions for the payment, posted and the right to change any of the factors at any time without notice. Customer Service Center at 1.800.327.9862. In the unlikely event that Regardless of the manner in which the arbitration is conducted, the arbitrator transfer, or withdrawal of funds from your account. Examples include by check, • The categories in which we post shall be defined by us. This means we United's Customer Service Center cannot resolve your concern or if shall issue a reasoned written decision sufficient to explain the essential draft, recurring and one-time debit card transaction, automated teller machine have the right to group items together within a category and to determine United has been unable to resolve any dispute it has with you after findings and conclusions on which the award is based. The arbitrator's decision, (“ATM”) transaction, automated clearing house (“ACH”) transaction, what items will be included in each category. attempting to do so informally, we each agree to resolve those including any award, will be binding on the parties. Judgment upon any award preauthorized payment, automatic transfer, in person withdrawal and Online • The order in which items are posted in each category shall be defined by disputes through binding arbitration or small claims court instead of in may be entered in any court of competent jurisdiction. transfer or bill pay. us. This can include posting all items in one category before we post any a court of general jurisdiction. Except as otherwise provided for herein, United will pay all AAA filing, Definition of “Available Account Balance” - The Available Account Balance is the items contained in another category. Arbitration is more informal than a lawsuit in court. Instead of a judge or jury, administration, and arbitrator fees for any arbitration initiated in accordance most current record we have about the funds in your account that are available • The order in which items post in a single category may vary. For example, arbitration uses a neutral arbitrator. Arbitration also permits more limited with the notice requirements above. If, however, the arbitrator finds that either for withdrawal. It does not reflect outstanding items and overdrafts may still the posting of some categories of items may be determined by dollar discovery than in court, and is subject to very limited review by courts. the substance of your claim or the relief sought in the Demand is frivolous or occur. For example, if you have written a check and the payee has not submitted amount (such as low to high) and a different order determined by us for However, arbitrators can award the same damages and relief that a court can brought for an improper purpose (as measured by the standards set forth in it to us for payment, your available balance would not reflect the reduction for another. award. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be the amount of the check. The Available Account Balance may not include the Some items that are received or transacted after the cut-off of our normal PLACE ON AN INDIVIDUAL BASIS. CLASS ARBITRATIONS AND CLASS governed by the AAA Rules. In such case, you agree to reimburse United for all reduction for a one-time debit card transaction if the merchant has not banking day may post to your account on the day they are received or ACTIONS ARE NOT PERMITTED. monies previously disbursed by it that are otherwise your obligation to pay submitted it for payment within three (3) business days of its authorization. transacted and will affect your Available Account Balance. Examples include For any non-frivolous claim that does not exceed $75,000, United will pay all under the AAA Rules. In addition, if you initiate an arbitration in which you seek Finally, your Available Account Balance may not reflect the most recent deposits transfers between accounts with United, online bill pay transactions, telephone costs of the arbitration. In addition, in arbitration you are entitled to recover more than $75,000 in damages, the payment of these fees will be governed by to your account. Please refer to “Your Ability to Withdraw Funds Policy” for banking transactions or transactions through any of our ATMs. This process can attorney’s fees from United to at least the same extent as you would in court. the AAA Rules. additional details on the availability rules for withdrawing funds from your result in your account becoming overdrawn and related fees charged. Under certain circumstances, as explained below, United will pay you more than (4) If, after finding in your favor in any respect on the merits of your claim, the account. The order in which we post items may not be the order in which they appear on the amount of the arbitrator’s award and will pay your attorney (if applicable) arbitrator issues you an award that is greater than the value of United's last Overdrafts - If you do not have sufficient funds in your Available Account your statement. The number of items and type of items paid or returned and the twice his or her reasonable attorney’s fees if the arbitrator awards you an written settlement offer made before an arbitrator was selected, then United Balance to cover all items presented for payment on any given day, one of two related service fees assessed could be affected by the order that we choose to amount that is greater than what United has offered you to settle the dispute. will: things will happen depending on the specific terms of your account: post items. For example, the order in which we pay may result in an item that II. Arbitration Agreement • pay you the amount of the award or $10,000 (“the alternative payment”), • Checks or other withdrawals will be paid and your account will be charged you feel is more important being returned or the total number of overdrafts and (1) United and you agree to arbitrate all disputes and claims between us. This whichever is greater; and an overdraft or courtesy overdraft fee; or related fees being higher than if we posted the items in a different order. agreement to arbitrate is intended to be broadly interpreted. This agreement to • pay your attorney, if any, twice the amount of attorneys' fees, and • Checks or other withdrawals will be returned unpaid and your account will United Overdraft Protection - It is the policy of United to comply with all arbitrate includes (but is not limited to): reimburse any expenses (including, if applicable, any expert witness fees be charged an NSF fee. If an item is presented more than once by the applicable laws and regulations and to conduct business in accordance with • claims arising out of or relating in any way to any aspect of the and costs) that your attorney reasonably accrues for investigating, presenting bank and there are insufficient funds, you will be charged an applicable safety and soundness standards. relationship between us, whether such claims are based in contract, tort, preparing, and pursuing your claim in arbitration (“the attorney NSF fee each time the item is returned. You may also be charged a fee by United is not obligated to pay any item presented for payment if your account statute, fraud, misrepresentation, or any other legal theory; premium”). the payee (the person or company to whom you've written the check or does not contain sufficient collected (Available Account Balance) funds. Any • claims that arose before this or any prior Agreement between us came If United did not make a written offer to settle the dispute before an arbitrator transacted the withdrawal). discretionary courtesy payment by United of any NSF check or checks (or other into existence, including any claims relating to advertising; and was selected, you and your attorney will be entitled to receive the alternative Overdrafts are paid at our discretion and there is no guarantee that we will items such as in-person withdrawal, automated teller machine (“ATM”), • claims that may arise after the termination of this Agreement or any other payment and the attorney premium, respectively, if the arbitrator awards you authorize and pay them. If we do pay an item or items that overdraw your recurring or one-time debit card transaction, automated clearing house (“ACH”) agreement between us. any relief on the merits. The arbitrator may make rulings and resolve disputes as account, it does not mean that we will continue to do so in the future. We also preauthorized payment or automatic transfer) does not obligate the Bank to pay Regardless of the foregoing, United or you may bring an individual action in to the payment and reimbursement of fees, expenses, and the alternative reserve the right to pay all, some or none of the items that overdraw your any additional NSF check or item or to provide prior written notice of its small claims court. This arbitration agreement does not preclude you from payment and the attorney premium at any time during the proceeding and upon account. You have the right to opt out of allowing us to authorize the decision to refuse to pay any additional non-sufficient fund check or item. In bringing issues to the attention of federal or state agencies. Such agencies can, request from either party made within 14 days of the arbitrator’s ruling on the payment of an item that overdraws your account. If we do not authorize order for United to authorize payment of ATM and one-time debit card if the law permits, seek relief on your behalf. merits. the payment of an item, it will be returned and an NSF fee charged for each item transactions at our discretion, you must affirmatively authorize us to do so. returned. Information on authorizing us to pay ATM and one-time debit card transactions that result in overdrafts is provided separately. 30 (5) The right to attorneys’ fees and expenses discussed in Paragraph (4) If you maintain a Consumer Account primarily used for personal and household YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND supplements any right to attorneys’ fees and expenses you may have under purposes, and thereafter you maintain your account in good standing, which UNITED ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO applicable law. Thus, if you would be entitled to a larger amount under the includes at least: PARTICIPATE IN A CLASS ACTION. applicable law, this provision does not preclude the arbitrator from awarding • Making regular deposits consistent with your past practices; This Agreement pertains to a transaction in interstate commerce, and thus the you that amount. However, you may not recover duplicative awards of • Not being in default on any loan obligations to United; and Federal Arbitration Act (9 U.S.C. § 1 et seq.) applies to the interpretation and attorneys’ fees or costs. • Not subject to any legal or administrative order or levy. enforcement of this agreement to arbitrate, notwithstanding any choice of law Although under some laws United may have a right to an award of Then United will consider, as a courtesy and not as a right or obligation, provision in this Agreement or any prior or other agreement between us. This attorneys’ fees and expenses if it prevails in an arbitration, United approving your reasonable overdrafts. agreement to arbitrate shall survive the termination of this Agreement or of any agrees that it will not seek such an award. This courtesy will generally be limited to the amount of your overdraft subsequent agreement between us. (6) The arbitrator may award declaratory or injunctive relief only in favor of the protection (as reduced by any overdraft fees) that is disclosed to you when you (2) Before you may seek arbitration you must first send to United, by certified individual party seeking relief and only to the extent necessary to provide relief become a United Overdraft Protection customer. In the future, your limit may be mail, a written Notice of Dispute (“Notice”). The Notice to United should be warranted by that party's individual claim. YOU AND UNITED AGREE THAT increased or reduced based on our internal criteria. You may opt out of this addressed to: Vice President of Compliance, United Bankshares, Inc., 1200 EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR service at any time. Grosscup Avenue, Dunbar, West Virginia 25064 (“Notice Address”). The Notice ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS If you wish to opt out of this service at this time or anytime in the must (a) describe the nature and basis of the claim or dispute; and (b) set forth MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE future please notify us in writing at: Customer Service Center, ODP the specific relief sought (“Demand”). If United and you do not resolve the claim PROCEEDING. Further, unless both you and United agree otherwise, the Opt Out, P.O. Box 393, Charleston, West Virginia 25322. In the event you or dispute within 30 days after the Notice is received, you or United may arbitrator may not consolidate more than one person’s claims, and may not wish to opt out of this service, your opt out will only become effective once we commence an arbitration proceeding. otherwise preside over any form of a representative or class proceeding. If this receive your written notification and have had a reasonable time period to Before United may seek arbitration of any claim or dispute it has against you, specific provision is found to be unenforceable, then the entirety of remove this service from your account. United shall be required to send to you, by certified mail to your official address this arbitration agreement shall be null and void. Any and all bank fees and charges, including without limitation nonsufficient on file in United’s records, a written Notice of Dispute. The Notice of Dispute fund/overdraft fees, will be included in this limit. Please refer to our “Fee shall (a) describe the nature and basis of the claim or dispute between us; and ———————————————————————————————————— Schedule” for additional details regarding the type and amount of fees (b) set forth the specific relief sought by United. If you and United do not resolve associated with overdrafts and this Program. the claim or dispute within 30 days after you receive the Notice of Dispute, you The privileges associated with your United Overdraft Protection will be or United may commence an arbitration proceeding. suspended or revoked if your account (including repayment of overdraft fees) is During the arbitration, the amount of any settlement offer made by United to not returned to a positive balance within 30 calendar days or less. However, we you shall not be disclosed to the arbitrator until after the arbitrator determines can demand payment at any time we feel it is necessary. If your United the amount, if any, to which you are entitled. Overdraft Protection privileges have been suspended or revoked because you (3) After United receives notice at the Notice Address that you have commenced failed to return your account to a positive balance, we reserve the right to arbitration, it will promptly reimburse you for your payment of the arbitration reinstate your United Overdraft Protection privileges at any time without notice filing fee, unless your claim is for more than $75,000. The filing fee is currently after you have returned your account to a positive balance. $125 for claims under $10,000 but is subject to change by the arbitration Items are not necessarily processed in the order you transact them. The order in provider. If you are unable to pay this fee, United will pay it directly upon which items are paid can be affected by a number of factors, including how receiving a written request at the Notice Address. quickly the parties with whom you transacted the items present them to us or The arbitration will be governed by the Commercial Arbitration Rules and the their banks for payment. This may affect the number of overdraft items that will Supplementary Procedures for Consumer Related Disputes (collectively “AAA be covered by United Overdraft Protection. Rules”) of the American Arbitration Association (“AAA”), as modified by this Generally, United will limit this courtesy to only one account per household. Agreement, and will be administered by the AAA. The AAA Rules are available Again, approval of reasonable overdrafts through United Overdraft Protection online at www.adr.org, by calling the AAA at 1.800.778.7879, or by writing to the on consumer accounts in good standing (as described above) is only a courtesy, Notice Address. and not a right or an obligation. It is within United's sole and absolute discretion If AAA is unable or unwilling to serve as the provider or administrator of to cease this service at any time without prior written notice, reason or cause. arbitration, United may substitute another national arbitration organization with United Overdraft Protection is a non-contractual service provided by United similar procedures. Bank, which may be withdrawn at any time by the Bank. Certain restrictions may The arbitrator is bound by the terms of this Agreement. All issues are for the apply. arbitrator to decide, except issues relating to the scope and RESOLUTION OF DISPUTES BETWEEN YOU AND UNITED enforceability of the arbitration agreement that are for the court to I. Resolution of Disputes Through Binding Arbitration decide. PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. Unless United and you agree otherwise, any arbitration hearings will take place References to “United,” “you,” and “us” include our respective subsidiaries, in the county of your billing address. If your claim is for $10,000 or less, we corporate parents, affiliates, agents, employees, predecessors in interest, agree that you may choose whether the arbitration will be conducted solely on successors, and assigns, as well as all authorized or unauthorized users of your the basis of documents submitted to the arbitrator, through a telephonic United demand deposit account(s) or United-branded debit or automated teller hearing, or by an in-person hearing as established by the AAA Rules. If your machine card(s) under this or any prior or other agreements between us. claim exceeds $10,000, the right to a hearing will be determined by the AAA Most customer concerns can be resolved to your satisfaction by calling our Rules. Customer Service Center at 1.800.327.9862. In the unlikely event that Regardless of the manner in which the arbitration is conducted, the arbitrator United's Customer Service Center cannot resolve your concern or if shall issue a reasoned written decision sufficient to explain the essential United has been unable to resolve any dispute it has with you after findings and conclusions on which the award is based. The arbitrator's decision, attempting to do so informally, we each agree to resolve those including any award, will be binding on the parties. Judgment upon any award disputes through binding arbitration or small claims court instead of in may be entered in any court of competent jurisdiction. a court of general jurisdiction. Except as otherwise provided for herein, United will pay all AAA filing, Arbitration is more informal than a lawsuit in court. Instead of a judge or jury, administration, and arbitrator fees for any arbitration initiated in accordance arbitration uses a neutral arbitrator. Arbitration also permits more limited with the notice requirements above. If, however, the arbitrator finds that either discovery than in court, and is subject to very limited review by courts. the substance of your claim or the relief sought in the Demand is frivolous or However, arbitrators can award the same damages and relief that a court can brought for an improper purpose (as measured by the standards set forth in award. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be PLACE ON AN INDIVIDUAL BASIS. CLASS ARBITRATIONS AND CLASS governed by the AAA Rules. In such case, you agree to reimburse United for all ACTIONS ARE NOT PERMITTED. monies previously disbursed by it that are otherwise your obligation to pay For any non-frivolous claim that does not exceed $75,000, United will pay all under the AAA Rules. In addition, if you initiate an arbitration in which you seek costs of the arbitration. In addition, in arbitration you are entitled to recover more than $75,000 in damages, the payment of these fees will be governed by attorney’s fees from United to at least the same extent as you would in court. the AAA Rules. Under certain circumstances, as explained below, United will pay you more than (4) If, after finding in your favor in any respect on the merits of your claim, the the amount of the arbitrator’s award and will pay your attorney (if applicable) arbitrator issues you an award that is greater than the value of United's last twice his or her reasonable attorney’s fees if the arbitrator awards you an written settlement offer made before an arbitrator was selected, then United amount that is greater than what United has offered you to settle the dispute. will: II. Arbitration Agreement • pay you the amount of the award or $10,000 (“the alternative payment”), (1) United and you agree to arbitrate all disputes and claims between us. This whichever is greater; and agreement to arbitrate is intended to be broadly interpreted. This agreement to • pay your attorney, if any, twice the amount of attorneys' fees, and arbitrate includes (but is not limited to): reimburse any expenses (including, if applicable, any expert witness fees • claims arising out of or relating in any way to any aspect of the and costs) that your attorney reasonably accrues for investigating, relationship between us, whether such claims are based in contract, tort, preparing, and pursuing your claim in arbitration (“the attorney statute, fraud, misrepresentation, or any other legal theory; premium”). • claims that arose before this or any prior Agreement between us came If United did not make a written offer to settle the dispute before an arbitrator into existence, including any claims relating to advertising; and was selected, you and your attorney will be entitled to receive the alternative • claims that may arise after the termination of this Agreement or any other payment and the attorney premium, respectively, if the arbitrator awards you agreement between us. any relief on the merits. The arbitrator may make rulings and resolve disputes as Regardless of the foregoing, United or you may bring an individual action in to the payment and reimbursement of fees, expenses, and the alternative small claims court. This arbitration agreement does not preclude you from payment and the attorney premium at any time during the proceeding and upon bringing issues to the attention of federal or state agencies. Such agencies can, request from either party made within 14 days of the arbitrator’s ruling on the if the law permits, seek relief on your behalf. merits.

31 Visa USA charges us an International Service Assessment on all international ELECTRONIC FUND TRANSFERS transactions, regardless of whether there is a currency conversion. As a result, YOUR RIGHTS AND RESPONSIBILITIES we charge you an international transaction fee on international transactions Indicated below are types of Electronic Fund Transfers we are capable of where there is no currency conversion. Please refer to your Fee Schedule for handling, some of which may not apply to your account. Please read this additional information regarding the amount of the fee. An international disclosure carefully because it tells you your rights and obligations for the transaction is any transaction where the country of the merchant is located transactions listed. You should keep this notice for future reference. outside of the United States of America. Electronic Fund Transfers Initiated By Third Parties. You may authorize a Currency Conversion and Cross-Border Transaction Fees. If you effect an third party to initiate electronic fund transfers between your account and the ATM transaction with your ATM card or United Check Card in a currency other third party’s account. These transfers to make or receive payment may be one- than US dollars, PLUS will convert the transaction amount into the time occurrences or may recur as directed by you. These transfers may use the corresponding US dollar amount. The PLUS currency conversion procedure Automated Clearing House (ACH) or other payments network. Your includes use of either a government-mandated exchange rate, or a wholesale authorization to the third party to make these transfers can occur in a number of exchange rate selected by PLUS. The exchange rate PLUS uses will be a rate in ways. For example, your authorization to convert a check to an electronic fund effect on the day the transaction is processed. This rate may differ from the rate transfer or to electronically pay a returned check charge can occur when a in effect on the date of purchase or the date the transaction was posted to your merchant provides you with notice and you go forward with the transaction account. (typically, at the point of purchase, a merchant will post a sign and print the PLUS charges us a Currency Assessment for performing the currency notice on a receipt). In all cases, these third party transfers will require you to conversion and a Cross-Border Assessment on all cross-border transactions provide the third party with your account number and bank information. This regardless of whether there is a currency conversion. We charge you a fee information can be found on your check as well as on a deposit or withdrawal based on the total withdrawal amount on all cross-border transactions slip. Thus, you should only provide your bank and account information (whether regardless of whether there is a currency conversion. A cross-border transaction over the phone, the Internet, or via some other method) to trusted third parties is a transaction processed through the Global Clearing Management System or whom you have authorized to initiate these electronic fund transfers. Examples the PLUS Debit Switch in which the country of the merchant is different from the of these transfers include, but are not limited to: country of the cardholder. Please refer to your Fee Schedule for additional • Preauthorized credits. You may make arrangements for certain direct details regarding the amount of this fee. deposits to be accepted into your checking or savings account(s). Advisory Against Illegal Use. You agree not to use your card(s) for illegal • Preauthorized payments. You may make arrangements to pay certain gambling or other illegal purpose. Display of a payment card logo by, for recurring bills from your checking or savings account(s). example, an online merchant does not necessarily mean that transactions are • Electronic check conversion. You may authorize a merchant or other lawful in all jurisdictions in which the cardholder may be located. payee to make a one-time electronic payment from your checking account Non-Visa Debit Transaction Processing. We have enabled non-Visa debit using information from your check to pay for purchases or pay bills. transaction processing. This means you may use your United Check Card on a • Electronic returned check charge. You may authorize a merchant or PIN-Debit Network* (a non-Visa network) without using a PIN. other payee to initiate an electronic funds transfer to collect a charge in the The non-Visa debit network(s) for which such transactions are enabled are: event a check is returned for insufficient funds. NYCE Network. TELEBANC Telephone Transfers - types of transfers - You may access Examples of the types of actions that you may be required to make to initiate a your account by telephone daily at 1.877.334.4646 (toll free) using your personal Visa transaction on your United Check Card include signing a receipt, providing identification number, a touch tone phone, and your account numbers, to: a card number over the phone or via the Internet, or swiping the card through a • transfer funds between checking and savings point-of-sale terminal. • transfer funds from checking or savings account(s) to pay installment Examples of the types of actions you may be required to make to initiate a loans or personal lines of credit transaction on a PIN-Debit Network include initiating a payment directly with the • obtain account information biller (possibly via telephone, Internet, or kiosk locations), responding to a logo ATM Transfers - types of transfers, dollar limitations, and charges - You displayed at a payment site and choosing to direct payment through that may access your account(s) by ATM using your ATM card and personal network, and having your identity verified using known information derived identification number or United Check Card and personal identification number, from an existing relationship with you instead of through use of a PIN. to: The provisions of your agreement with us relating only to Visa transactions are • make deposits to your checking and/or savings account(s) (limited to the not applicable to non-Visa transactions. For example, the additional limits on ATMs that we own or operate) liability (sometimes referred to as Visa's zero-liability program) and the • get cash withdrawals from your checking and/or savings account(s) streamlined error resolution procedures offered on Visa debit card transactions (please note that certain fees and charges may apply for ATMs that we do are not applicable to transactions processed on a PIN-Debit Network. not own or operate) *Visa Rules generally define PIN-Debit Network as a non-Visa debit network - you may withdraw no more than $500.00 per day or your individual that typically authenticates transactions by use of a personal identification “cashback” limit number (PIN) but that is not generally known for having a card program. - other limitations may apply at ATMs that are not owned or operated by us Online Banking Computer and Mobile Banking Transfers - types of • transfer funds between your checking and savings accounts linked to your transfers and charges - You may access your account(s) by computer or card mobile device using internet access to www.bankwithunited.com and using • transfer funds from your checking or savings account(s) linked to your your user identification number and your password, to: card to pay installment loans or personal lines of credit • transfer funds between checking and savings • obtain account information • make payments from checking or savings to loan accounts with us • please refer to our separate fee schedule for additional information • make payments from checking to third parties (Bill Payment) about charges • make Mobile Deposits Some of these services may not be available at all terminals. • receive eBanking Alerts Inactivity - United reserves the right to freeze or close your ATM and/or United • get information about: Check Card if you fail to activate any such card within six months of receipt or - account balances and transaction history following six months of inactivity. Once frozen or closed, you will be required to Transactions through Online Banking and Mobile Banking are subject to the contact us to reactivate or obtain a new card. terms and conditions provided in the separate eBanking, Mobile Banking and Types of United Check Card Transactions - You may access your checking Bill Payment Disclosure Statement Agreement. Some services may be restricted. account(s) to purchase goods (in person, by Internet, by phone or otherwise), You will receive the eBanking, Mobile Banking and Bill Payment Disclosure pay for services (in person, by Internet, by phone or otherwise), get cash from a Statement Agreement for the services at the time you enroll. merchant, if the merchant permits, or from a participating financial institution. FEES United reserves the right to close your ATM and/or United Check Card • We do not charge for direct deposits to any type of account. if you fail to activate within six months of receipt or following six • Please refer to the separate fee schedule for a listing of all fees related to months of inactivity. Once closed, you will be required to contact the electronic funds transfers and for additional fees for transactions Bank to obtain a new card. conducted at non-United ATMs. Please refer to the separate eBanking, Debit Card Point-of-Sale Transactions - dollar limitations - Using your Mobile Banking and Bill Payment Disclosure Statement and Agreement for United Check Card: important information regarding the terms and conditions for these • The lesser of (i) the dollar amount limitation provided to you upon the services. opening of your account, as such amount may be changed from time to ATM Operator/Network Fees. When you use an ATM not owned by us, you time upon further notification from us, and (ii) your available account may be charged a fee by the ATM operator or any network used (and you may balance. be charged a fee for a balance inquiry even if you do not complete a fund Currency Conversion and International Transactions. When you use your transfer). ATM card or United Check Card at a merchant that does not accept payment in DOCUMENTATION US dollars, settles in a currency other than US dollars, the transaction amount • Terminal transfers. You can get a receipt at the time you make a transfer will be converted into the corresponding US dollar amount. The currency to or from your account using an automated teller machine or point-of- conversion rate used to determine the transaction amount in US dollars is either sale terminal. However, you may not get a receipt if the amount of the a rate selected by Visa from the range of rates available in wholesale currency transfer is $15 or less. markets for the applicable central processing date, which rate may vary from the • Preauthorized credits. If you have arranged to have direct deposits rate Visa itself receives, or the government-mandated rate in effect for the made to your account at least once every 60 days from the same person or applicable central processing date. The conversion rate in effect on the company, you can call us at 1.800.327.9862 to find out whether or not the processing date may differ from the rate in effect on the transaction date or deposit has been made. posting date. 32 • Periodic statements. For account types other than savings accounts, you (1) Tell us your name and account number (if any). will receive a monthly account statement from us. Savings account (2) Describe the error or the transfer you are unsure about, and explain as statements will be provided semi-annually; provided, however, that you clearly as you can why you believe it is an error or why you need more will receive a monthly savings account statement from us if certain information. electronic transfers to or from your account take place in any applicable (3) Tell us the dollar amount of the suspected error. period. If you tell us orally, we may require that you send us your complaint or PREAUTHORIZED PAYMENTS question in writing within 10 business days. • Right to stop payment and procedure for doing so. If you have told We will determine whether an error occurred within 10 business days (5 us in advance to make regular payments out of your account, you can stop business days for United Check Card point-of-sale transactions processed by any of these payments. Here is how: Visa and 20 business days if the transfer involved a new account) after we hear Call or write us at the telephone number or address listed in this from you and will correct any error promptly. If we need more time, however, disclosure in time for us to receive your request 3 business days or more we may take up to 45 days (90 days if the transfer involved a new account, a before the payment is scheduled to be made. If you call, we may also point-of-sale transaction, or a foreign-initiated transfer) to investigate your require you to put your request in writing and get it to us within 14 days complaint or question. If we decide to do this, we will credit your account within after you call. 10 business days (5 business days for United Check Card point-of-sale Please refer to our separate fee schedule for the amount we will charge transactions processed by Visa and 20 business days if the transfer involved a you for each stop-payment order you give. new account) for the amount you think is in error, so that you will have the use • Notice of varying amounts. If these regular payments may vary in of the money during the time it takes us to complete our investigation. If we ask amount, the person you are going to pay will tell you, 10 days before each you to put your complaint or question in writing and we do not receive it within payment, when it will be made and how much it will be. (You may choose 10 business days, we may not credit your account. Your account is considered a instead to get this notice only when the payment would differ by more new account for the first 30 days after the first deposit is made, unless each of than a certain amount from the previous payment, or when the amount you already has an established account with us before this account is opened. would fall outside certain limits that you set.) We will tell you the results within three business days after completing our • Liability for failure to stop payment of preauthorized transfer. If investigation. If we decide that there was no error, we will send you a written you order us to stop one of these payments 3 business days or more explanation. before the transfer is scheduled, and we do not do so, we will be liable for You may ask for copies of the documents that we used in our investigation. your losses or damages. NOTICE OF ATM/NIGHT DEPOSIT FINANCIAL INSTITUTION'S LIABILITY FACILITY USER PRECAUTIONS Liability for failure to make transfers. If we do not complete a transfer As with all financial transactions, please exercise discretion when using an to or from your account on time or in the correct amount according to our automated teller machine (ATM) or night deposit facility. For your own safety, agreement with you, we will be liable for your losses or damages. However, be careful. The following suggestions may be helpful. there are some exceptions. We will not be liable, for instance: 1. Prepare for your transactions at home (for instance, by filling out a (1) If, through no fault of ours, you do not have enough money in your deposit slip) to minimize your time at the ATM or night deposit facility. account to make the transfer. 2. Mark each transaction in your account record, but not while at the ATM (2) If you have an overdraft line and the transfer would go over the credit or night deposit facility. Always save your ATM receipts. Don’t leave limit. them at the ATM or night deposit facility because they may contain (3) If the automated teller machine where you are making the transfer does important account information. not have enough cash. 3. Compare your records with the account statements or account histories (4) If the terminal or system was not working properly and you knew about that you receive. the breakdown when you started the transfer. 4. Don’t lend your United Check Card or ATM card to anyone. (5) If circumstances beyond our control (such as fire or flood) prevent the 5. Remember, do not leave your card at the ATM. Do not leave any transfer, despite reasonable precautions that we have taken. documents at a night deposit facility. (6) There may be other exceptions stated in our agreement with you. 6. Protect the secrecy of your Personal Identification Number (PIN). Protect CONFIDENTIALITY your United Check Card or ATM card as though it were cash. Don’t tell We will disclose information to third parties about your account or the anyone your PIN. Don’t give anyone information regarding your United transfers you make: Check Card or ATM card or PIN over the telephone. Never enter your PIN (1) where it is necessary for completing transfers; or in any ATM that does not look genuine, has been modified, has a (2) in order to verify the existence and condition of your account for a third suspicious device attached, or is operating in a suspicious manner. Don’t party, such as a credit bureau or merchant; or write your PIN where it can be discovered. For example, don’t keep a (3) in order to comply with government agency or court orders; or note of your PIN in your wallet or purse. (4) if you give us written permission. 7. Prevent others from seeing you enter your PIN by using your body to UNAUTHORIZED TRANSFERS shield their view. (a) Consumer liability. 8. If you lose your United Check Card or ATM card or if it is stolen, • Generally. Tell us AT ONCE if you believe your card and/or code has been promptly notify us. You should consult the other disclosures you have lost or stolen, or if you believe that an electronic fund transfer has been made received about electronic fund transfers for additional information about without your permission using information from your check. Telephoning is the what to do if your card is lost or stolen. best way of keeping your possible losses down. You could lose all the money in 9. When you make a transaction, be aware of your surroundings. Look out your account (plus your maximum overdraft line of credit). If you tell us within 2 for suspicious activity near the ATM or night deposit facility, particularly business days after you learn of the loss or theft of your card and/or code, you if it is after sunset. At night, be sure that the facility (including the parking can lose no more than $50 if someone used your card and/or code without your area and walkways) is well lighted. Consider having someone permission. accompany you when you use the facility, especially after sunset. If you If you do NOT tell us within 2 business days after you learn of the loss or observe any problem, go to another ATM or night deposit facility. theft of your card and/or code, and we can prove we could have stopped 10. Don’t accept assistance from anyone you don’t know when using an someone from using your card and/or code without your permission if you had ATM or night deposit facility. told us, you could lose as much as $500. 11. If you notice anything suspicious or if any other problem arises after you Also, if your statement shows transfers that you did not make, including have begun an ATM transaction, you may want to cancel the transaction, those made by card, code or other means, tell us at once. If you do not tell us pocket your card and leave. You might consider using another ATM or within 60 days after the statement was mailed to you, you may not get back any coming back later. money you lost after the 60 days if we can prove that we could have stopped 12. Don’t display your cash; pocket it as soon as the ATM transaction is someone from taking the money if you had told us in time. completed and count the cash later when you are in the safety of your If a good reason (such as a long trip or a hospital stay) kept you from telling own car, home, or other secure surrounding. us, we will extend the time periods. 13. At a drive-up facility, make sure all the car doors are locked and all of the • Additional Limit on Liability for United Check Card. Unless you have been windows are rolled up, except the driver’s window. Keep the engine negligent or have engaged in fraud, you will not be liable for any unauthorized running and remain alert to your surroundings. transactions using your lost or stolen United Check Card. This additional limit on 14. We want the ATM and night deposit facility to be safe and convenient for liability does not apply to ATM transactions outside of the U.S., to ATM you. Therefore, please tell us if you know of any problem with a facility. transactions not sent over Visa or Plus networks, or to transactions using your For instance, let us know if a light is not working or there is any damage Personal Identification Number which are not processed by VISA®. Visa is a to a facility. Please report any suspicious activity or crimes to both the registered trademark of Visa International Service Association. operator of the facility and the local law enforcement officials (b) Contact in event of unauthorized transfer. If you believe your card immediately. and/or code has been lost or stolen, call or write us at the telephone number or UNITED PROCESSING CENTER address listed in this disclosure. You should also call the number or write to the 500 VIRGINIA STREET EAST address listed in this disclosure if you believe a transfer has been made using P.O. BOX 393 the information from your check without your permission. CHARLESTON, WEST VIRGINIA 25322 ERROR RESOLUTION NOTICE Business Days: Monday through Friday In Case of Errors or Questions About Your Electronic Transfers, Call or Write Excluding Federal Holidays us at the telephone number or address listed in this disclosure, as soon as you Phone: 1.800.327.9862 can, if you think your statement or receipt is wrong or if you need more MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the ———————————————————————————————————— problem or error appeared. 33 Safeguard exceptions. In addition, funds you deposit by check may be YOUR ABILITY TO WITHDRAW FUNDS delayed for a longer period under the following circumstances: This policy statement applies to “transaction” accounts. Transaction We believe a check you deposit will not be paid. accounts, in general, are accounts which permit an unlimited number of You deposit checks totaling more than $5,000 on any one day. payments to third persons and an unlimited number of telephone and You redeposit a check that has been returned unpaid. preauthorized transfers to other accounts of yours with us. Checking accounts You have overdrawn your account repeatedly in the last six months. are the most common transaction accounts. Feel free to ask us whether any of There is an emergency, such as failure of computer or communications your other accounts might also be under this policy. equipment. Our policy is to make funds from your cash and check deposits available to We will notify you if we delay your ability to withdraw funds for any of these you on the first business day after the day we receive your deposit. Electronic reasons, and we will tell you when the funds will be available. They will direct deposits will be available on the day we receive the deposit. Once the generally be available no later than the seventh business day after the day of funds are available, you can withdraw them in cash and we will use the funds to your deposit. pay checks that you have written. SPECIAL RULES FOR NEW ACCOUNTS Please remember that even after we have made funds available to you, and If you are a new customer, the following special rules will apply during the you have withdrawn the funds, you are still responsible for checks you deposit first 30 days your account is open. that are returned to us unpaid and for any other problems involving your Funds from electronic direct deposits to your account will be available on the deposit. day we receive the deposit. Funds from deposits of cash, wire transfers, and the For determining the availability of your deposits, every day is a business first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and day, except Saturdays, Sundays, and federal holidays. If you make a deposit federal, state and local government checks will be available on the first business before the close of business on a business day that we are open, we will day after the day of your deposit if the deposit meets certain conditions. For consider that day to be the day of your deposit. However, if you make a deposit example, the checks must be payable to you (and you may have to use a special after the close of business or on a day we are not open, we will consider that the deposit slip). The excess over $5,000 will be available on the ninth business day deposit was made on the next business day we are open. after the day of your deposit. If your deposit of these checks (other than a U.S. If we cash a check for you that is drawn on another bank, we may withhold Treasury check) is not made in person to one of our employees, the first $5,000 the availability of a corresponding amount of funds that are already in your will not be available until the second business day after the day of your deposit. account. Those funds will be available at the time funds from the check we Funds from all other check deposits will be available on the fifteenth cashed would have been available if you had deposited it. business day after the day of your deposit. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your ———————————————————————————————————— availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

34 What Changes Can You Expect? IMPORTANT INFORMATION ABOUT Check 21 won’t change the way you write checks, or receive them from YOUR CHECKING ACCOUNT others. However, you may notice that checks clear faster - sometimes in a day or Check 21 Introduces Changes to Check Processing even less. This is one element in the government’s plans to reduce check fraud, The Check Clearing for the 21st Century Act (Check 21) was enacted by by identifying fraudulent items more quickly. But faster check clearing also Congress to reduce the time and expense associated with processing and means less “float,” so it is important that you have the funds in your account to transporting the billions of checks that Americans write each year, and as a means cover the checks you write to avoid overdrafts. of fighting check fraud. Please refer to the accompanying notice on your rights regarding substitute Financial institutions have the option to create a digital image of the original checks, and keep it with your files for future reference. If you have any additional check, which is then transported through the payment system electronically, questions, visit your nearest United Bank office or call us at 1.800.327.9862. along with other information pertaining to the check. The original paper check Your Rights Regarding Substitute Checks may be destroyed. When the electronic image is converted back to paper, it is Some or all of the checks that you receive back from us may be substitute known as a “substitute check.” checks. This notice describes rights you have when you receive substitute • A substitute check must be accepted as proof of purchase or payment by checks from us. The rights in this notice do not apply to original checks or to merchants, governments and other payees, just as if it were the original check. electronic debits to your account. However, you have rights under other law • No individual, business or financial institution may “opt out” of Check 21. with respect to those transactions. What Does a Substitute Check Look Like? In certain cases, federal law provides a special procedure that allows you to The images below show the front and back of a sample substitute check. request a refund for losses you suffer if a substitute check is posted to your Slightly larger than a normal consumer check, the substitute check contains a account (for example, if you think that we withdrew the wrong amount from reduced version of the original check, other documentation to identify the your account or that we withdrew money from your account more than once for transaction, and the words, “This is a LEGAL COPY of your check. You can use it the same check). The losses you may attempt to recover under this procedure in the same way you would the original check.” may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under the law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How to Make a Claim for a Refund If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us as follows: Write us at: United Bank Deposit Operations PO Box 393, Charleston, WV 25322-0393 Call us at: 1.800.327.9862. Send us an email. Log on to www.bankwithunited.com and click “Contact Us.” You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check [and/or] the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check. ————————————————————————————————————

Not all paper checks will be converted to substitute checks, and United Bank has no immediate plans to create substitute checks. However, we may receive them from other financial institutions. If you receive your canceled checks with your statement, you may receive a combination of original checks and substitute checks. If your checks are not returned to you with your statement, you may receive a substitute check when you: • Request a copy of a paid check from United Bank • Receive a check you deposited that is returned unpaid

35 IRA SAVINGS ACCOUNT TRUTH-IN-SAVINGS DISCLOSURE Rate Information - Your interest and annual percentage yield may change. UNITED FREE CHECKING ACCOUNT Frequency of rate change - We may change the interest rate on your account UNITED REWARDS CHECKING ACCOUNT at any time. Please refer to the separate fee schedule for minimum balance requirements Determination of rate - At our discretion, we may change the interest rate on and fees that may apply to these accounts. your account. Compounding and crediting frequency - Interest will be compounded every PLATINUM CHECKING ACCOUNT quarter. Interest will be credited to your account every quarter. Rate Information - Your interest and annual percentage yield may change. Daily balance computation method - We use the daily balance method to Frequency of rate change - We may change the interest rate on your account calculate the interest on your account. This method applies a daily periodic rate at any time. to the principal in the account each day. Determination of rate - At our discretion, we may change the interest rate on Accrual of interest on noncash deposits - Interest begins to accrue no later your account. than the business day we receive credit for the deposit of noncash items (for Compounding and crediting frequency - Interest will be compounded every example, checks). month. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is Daily balance computation method - We use the daily balance method to credited, you will not receive the accrued interest. calculate the interest on your account. This method applies a daily periodic rate Please refer to the separate fee schedule for minimum balance requirements to the principal in the account each day. and fees that apply to this account. Also, refer to your IRA plan disclosure for Accrual of interest on noncash deposits - Interest begins to accrue no later additional features and limitations that may apply. than the business day we receive credit for the deposit of noncash items (for example, checks). CHRISTMAS CLUB ACCOUNT Effect of closing an account - If you close your account before interest is Compounding frequency - Interest will not be compounded. credited, you will not receive the accrued interest. Crediting frequency - Interest will be credited to your account at maturity. Please refer to the separate fee schedule for minimum balance requirements Effect of closing an account - If you close your account before interest is and fees that apply to these accounts. credited, you will not receive the accrued interest. Minimum balance to open the account - The amount you must deposit to MONEY MARKET INVESTMENT ACCOUNT open this account is based on the plan selected. SUPER MONEY MARKET ACCOUNT Daily balance computation method - We use the daily balance method to Rate Information - Your interest and annual percentage yield may change. calculate the interest on your account. This method applies a daily periodic rate Frequency of rate change - We may change the interest rate on your account to the principal in the account each day. at any time. Accrual of interest on noncash deposits - Interest begins to accrue no later Determination of rate - At our discretion, we may change the interest rate on than the business day we receive credit for the deposit of noncash items (for your account. example, checks). Compounding and crediting frequency - Interest will be compounded every Transaction limitation: month. Interest will be credited to your account every month. You may make unlimited deposits into your account. Daily balance computation method - We use the daily balance method to You may make withdrawals of principal from your account before maturity. calculate the interest on your account. This method applies a daily periodic rate Principal withdrawn before maturity is included in the amount subject to early to the principal in the account each day. withdrawal penalty. You cannot withdraw interest from your account before Accrual of interest on noncash deposits - Interest begins to accrue no later maturity. than the business day we receive credit for the deposit of noncash items (for Early withdrawal penalties (a penalty may be imposed for withdrawals example, checks). before maturity) - Effect of closing an account - If you close your account before interest is The penalty we may impose is the greater of: credited, you will not receive the accrued interest. • seven days interest, on the amount withdrawn subject to penalty, if the Transaction limitation: withdrawal is made within the first six days after the deposit; or Transfers from a Money Market Investment or Super Money Market account to • all interest on the amount withdrawn subject to penalty. another account or to third parties by preauthorized, automatic, computer, or In certain circumstances such as the death or incompetence of an owner of this telephone transfers or by check, draft, debit card, or similar order to third parties account, the law permits, or in some cases requires, the waiver of the early are limited to six per statement cycle. withdrawal penalty. Other exceptions may also apply, for example, if this is part Please refer to the separate fee schedule for minimum balance requirements of an IRA or tax-deferred savings plan. and fees that apply to these accounts. Non-automatically renewable time account - This account will not automatically renew at maturity. If you do not renew the account, interest will PLATINUM SAVINGS ACCOUNT not accrue after maturity. Rate Information - Your interest and annual percentage yield may change. Fees: Frequency of rate change - We may change the interest rate on your account An early withdrawal fee of $5.00 will be charged. at any time. Determination of rate - At our discretion, we may change the interest rate on COMMON FEATURES your account. See attached Fee Schedule for all Common Fees. Compounding and crediting frequency - Interest will be compounded every The categories of transactions for which an overdraft fee may be imposed are month. Interest will be credited to your account every month. those by any of the following means: check, in-person withdrawal, ATM Daily balance computation method - We use the daily balance method to withdrawal, or other electronic means. calculate the interest on your account. This method applies a daily periodic rate We may require not less than 7 days’ notice in writing before each withdrawal to the principal in the account each day. from an interest-bearing account other than a time deposit, or from any other Accrual of interest on noncash deposits - Interest begins to accrue no later savings account as defined by Regulation D. Withdrawals from a time account than the business day we receive credit for the deposit of noncash items (for prior to maturity or prior to any notice period may be restricted and may be example, checks). subject to penalty. See your notice of penalty for early withdrawal. Effect of closing an account - If you close your account before interest is Account Reorganization - Your checking or NOW account (transactional credited, you will not receive the accrued interest. accounts) consists of two subaccounts. One of these accounts is a transactional Transaction limitation: subaccount, and you will transact business on this subaccount. The other is a Transfers from a Platinum Savings account to another account or to third parties nontransaction subaccount. You cannot directly access the nontransaction by preauthorized, automatic, computer, or telephone transfers or by draft, debit subaccount, but you agree that we may automatically, without a specific request card, or similar order to third parties are limited to six per month. from you, initiate individual transfers of funds between subaccounts from time Please refer to the separate fee schedule for minimum balance requirements to time at no cost to you. We will make these automatic transfers so that your and fees that apply to this account. ability to use your funds through your transactional subaccount will not be affected by this reorganization. You will not see any change in the way your account operates, but this reorganization will allow us to be more efficient, and to hold down costs. ————————————————————————————————————

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