Deposit Account Disclosures — Business Products

TABLE OF CONTENTS TERMS AND CONDITIONS TERMS AND CONDITIONS OF YOUR ACCOUNT ...... 1 OF YOUR ACCOUNT Important Information About Procedures for Opening a New Account ...... 1 Agreement ...... 1 IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW Glossary of Terms - Business Products ...... 1 ACCOUNT - To help the government fight the funding of terrorism and money Liability ...... 2 laundering activities, federal law requires all financial institutions to obtain, verify, and Deposits ...... 2 record information that identifies each person who opens an account. Withdrawals ...... 2 What this means for you: When you open an account, we will ask for your name, Understanding and Avoiding Overdraft and Nonsufficient Funds (NSF) Fees ...... 2 address, date of birth (for individuals), and other information that will allow us to Business, Organization and Association Accounts ...... 3 identify you. We may also ask to see your driver’s license (for individuals) or other Joint or Co-Owned Business Account ...... 3 identifying documents. Rights to Business Organization Accounts ...... 3 AGREEMENT - This document, along with any other documents we give you Stop Payments ...... 3 pertaining to your account(s), is a contract that establishes rules which control your Telephone Transfers ...... 3 account(s) with us. Please read this carefully and retain it for future reference. If you sign the signature card or open or continue to use the account, you agree to these Amendments and Termination ...... 3 rules. You will receive a separate schedule of rates, qualifying balances, and fees if Notices ...... 4 they are not included in this document. If you have any questions, please call us. Statements ...... 4 This agreement is subject to applicable federal laws, the laws of the state of the Account Transfer ...... 4 branch in which your account is located and other applicable rules such as the Direct Deposits ...... 4 operating letters of the Federal Reserve Banks and payment processing system rules Temporary Account Agreement ...... 4 (except to the extent that this agreement can and does vary such rules or laws). The Overdraft Protection Agreement ...... 4 body of state and federal law that governs our relationship with you, however, is too Setoff ...... 4 large and complex to be reproduced here. The purpose of this document is to: Restrictive Legends or Indorsements ...... 4 (1) summarize some laws that apply to common transactions; Stale-Dated Checks ...... 4 (2) establish rules to cover transactions or events which the law does not regulate; Check Processing ...... 4 (3) establish rules for certain transactions or events which the law regulates but Check Cashing ...... 4 permits variation by agreement; and Truncation, Substitute Checks, and Other Check Images ...... 4 (4) give you disclosures of some of our policies to which you may be entitled or in Facsimile Signatures ...... 4 which you may be interested. Remotely Created Checks ...... 5 If any provision of this document is found to be unenforceable according to its Unlawful Internet Gambling Notice ...... 5 terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in Address or Name Changes ...... 5 writing either on the signature card for your account or in some other document. Waiver of Notices ...... 5 Nothing in this document is intended to vary our duty to act in good faith and with Funds Transfers ...... 5 ordinary care when required by law. Pledges ...... 5 As used in this document the words “we,” “our,” and “us” mean the financial Power of Attorney ...... 6 institution and the words “you” and “your” mean the account holder(s) and anyone FDIC Insurance ...... 6 else with the authority to deposit, withdraw, or exercise control over the funds in the Indorsements ...... 6 account. However, this agreement does not intend, and the terms “you” and “your” Death or Incompetence ...... 6 should not be interpreted, to expand an individual’s responsibility for an organization’s liability. If this account is owned by a corporation, partnership or other Fiduciary Accounts ...... 6 organization, individual liability is determined by the laws generally applicable to that Cash Transaction Reporting ...... 6 type of organization. The headings in this document are for convenience or reference Backup Withholding/TIN Certification ...... 6 only and will not govern the interpretation of the provisions. Unless it would be Credit Verification ...... 6 inconsistent to do so, words and phrases used in this document should be construed Changing Account Products ...... 6 so the singular includes the plural and the plural includes the singular. Transactions by Mail ...... 6 GLOSSARY OF TERMS - Business Products: Legal Actions Affecting Your Account ...... 6 ANNUAL PERCENTAGE YIELD (APY): The amount of interest paid to you by the Account Security ...... 6 bank on your account during the year. Telephonic Instructions ...... 7 AUTOMATED CLEARING HOUSE (ACH): Electronic file transfer of funds from one Monitoring and Recording Telephone Calls financial institution to another. and Consent to Receive Communications ...... 7 AVERAGE LEDGER BALANCE: Calculated by adding the balance in the account Claim of Loss ...... 7 for each day of the statement period and dividing that figure by the number of days in Early Withdrawal Penalties ...... 7 the period. Resolving Account Disputes ...... 7 AVERAGE RELATIONSHIP BALANCE: The average balance of the account Regulatory Classification of Checking Accounts ...... 7 owner’s primary accounts within the owner’s customer record. If any single account within the customer record meets the balance requirement during the analysis then International ACH Transactions ...... 7 no aggregation is needed. If not, then the accounts are aggregated to determine if BUSINESS ACCOUNTS ...... 7 the balance requirement can be met by totaling the ledger balance for the month and CERTIFICATES OF DEPOSIT ...... 8 dividing by the number of accounts. BUSINESS DEBIT CARD AGREEMENT ...... 8 BASE FEE IN SERVICE CHARGE: Monthly maintenance fee assessed to your FUNDS AVAILABILITY ...... 10 deposit account.

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved. AIB-B 8/1/2019 Custom TCM-13Bv,3p,4m,5 201560279-010 Page 1 of 10 BUSINESS ORGANIZATION: A corporation, unincorporated association, limited form of indorsement or lack of indorsement on the item and even though we provide liability company, partnership, and any other business, government, or nonprofit you provisional credit for the item. We may reverse any provisional credit for items organization. We may rely on the accuracy and completeness of all resolutions, that are lost, stolen, or returned. Unless prohibited by law, we also reserve the right signature cards, and other documents you deliver to us in connection with the to charge back to your account the amount of any item deposited to your account or account. cashed for you which was initially paid by the payor bank and which is later returned COMBINED BALANCE: The total funds you have in all of your eligible linked deposit to us due to an allegedly forged, unauthorized or missing indorsement, claim of accounts, such as savings, checking and CDs. For some checking accounts, the alteration, encoding error, counterfeit cashier’s check or other problem which in our combined balance determines whether the monthly service charge can be avoided. judgment justifies reversal of credit. You authorize us to attempt to collect DEBIT CARD: A plastic card that deducts money from a designated account to pay previously returned items without giving you notice, and in attempting to collect we may permit the payor bank to hold an item beyond the midnight deadline. Actual for goods or services. It can be used anywhere Visa® cards are accepted and no credit for deposits of, or payable in, foreign currency will be at the exchange rate in interest is charged. It can also be used at ATMs to withdra