STRONGER . TOGETHER .

1 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK WELCOME MESSAGE FROM THE CEOs WELCOME TO THE NEW

Dear Customers,

On behalf of our owners, the Collins Family Trusts, and the nearly 500 employees of Vantage Bank Texas and Inter National Bank, we are pleased to announce that our banks have merged. We are pleased to have you as our customer through this exciting transition. There are many reasons why we pursued this merger, most of which surround the fact that as one bank we are confident we will provide a better banking experience for you. This will be achieved In the next few weeks you will experience changes due to the consolidation of the bank’s operations with through the expansion of products and services to San Antonio, South and Central Texas, El Paso Inter National Bank. To help you make your transition into the new system as smooth and seamless as and to our international customers. Also, by merging, the bank’s legal lending limit has grown, possible, we are providing this Welcome Kit as an overview of what to expect during the coming weeks. This allowing us to better serve the needs of our business communities. guide will provide you with important dates, information regarding access to our services, as well as other important disclosures. Please review this information carefully. Over the next few weeks we will be working to seamlessly consolidate the operations of the banks. Between now and December 10, 2018, Inter National Bank and Vantage Bank Texas will continue Should you have any questions, please stop by any of our banking centers to speak to one of our banking to operate as two separate banks; however, effective December 10, the two institutions will be representatives, or contact Customer Service. fully integrated. Inter National Bank branches will be rebranded, and our combined institution will be named Vantage Bank Texas. Deciding which name to adopt was not easy, but we believe that Vantage Bank Texas best links our current strategy of becoming the financial institution of choice in South and Central Texas, and our continued long-term strategy of expanding to other major markets in the state. The change in no way diminishes our commitment to the international community we serve. In fact, the merger will afford us the opportunity to bring international products and services to clients who live and work outside of our border communities. NOW through FRIDAY, BEGINNING MONDAY, To assist you during this transition, we have prepared this Welcome Kit. We have also included information regarding your FDIC insurance coverage and an updated Privacy Policy for the combined bank. DECEMBER 7, 2018 DECEMBER 10, 2018

You are the focal point of this merger. Please contact your banker if you have further questions regarding the merger, or email us directly at [email protected] to let us know immediately if there is anything we need to do to improve the merger experience for you. Above all else, thank you for being a customer of Vantage Bank Texas.

Sincerely, Customer Service: 866-580-7262 Customer Service: 866-580-7262

Monday–Friday 8:00 am–6:00 pm CST Monday–Friday 8:00 am–6:00 pm CST

24-hour Telephone Banking: 888-294-6174 Saturday 9:00 am–1:30 pm CST

Samuel J. Munafo Guy Bodine Email us: [email protected] 24-hour Telephone Banking, or to activate President and CEO Chairman, CEO and President a new card or to report a card lost or stolen: www.vantagebank.com Inter National Bank Vantage Bank Texas 866-580-7262 Email us: [email protected]

www.vantage.bank

2 3 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

OUR NEW LOOK 6

BANKING CENTERS 8

BANK LOCATIONS MAP 11

IMPORTANT DATES— MARK YOUR CALENDAR 12

IMPORTANT INFORMATION 14

ALL CUSTOMERS 15

PERSONAL CUSTOMERS 18

BUSINESS CUSTOMERS 19

DEPOSIT ACCOUNTS 20

BANKING OUTSIDE THE BRANCH 22

ADDITIONAL NOTICES 24

YOUR FDIC INSURANCE COVERAGE 25

BANKING SERVICE FEES 26

PRIVACY NOTICE 27

30 CONTENTS TERMS AND CONDITIONS OF YOUR ACCOUNT

4 5 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

OUR NEW LOOK

Effective December 10, 2018, when Vantage Bank Texas is fully integrated with Inter National Bank, you will notice the same Vantage name across all distribution channels and customer touch points, but with a new look.

Products and services such as deposit and loan products, online banking and mobile banking will be refreshed.

We hope you like it. OUR NEW WEBSITE

5500 0067 0000 7654 5500 0067 0000 7654 5/20 5/20 DEBIT CARDSEffective First Quarter 2019 CHECKS OUR MOBILE APPS BUSINESS PERSONAL

6 7 CORPORATE OFFICE LAREDO MISSION WESLACO

45 NE Loop 410, Suite 500 West Village Stone Oak McAllen South 10th St. Mission Weslaco Branch San Antonio, TX 78216 216 W Village Blvd, #101 18730 Tuscany Stone #2102 1700 S 10th St. 713 E. Tom Landry St. 400 N. Texas Blvd. Phone: (210) 408-5700 Laredo, TX 78041. San Antonio, TX 78258 McAllen, Texas 78501 Mission, Texas 78572 Weslaco, Texas 78596 Phone: (956) 242-0915 Phone: (210) 408-5700 Phone: (956) 631-2678 Phone: (956) 581-2107 Phone: (956) 968-1511 ALL HOURS EFFECTIVE LOBBY HOURS LOBBY HOURS LOBBY HOURS LOBBY HOURS LOBBY HOURS DECEMBER 10, 2018 Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Fri. 9 am–6 pm Fri. 9 am–6 pm Fri. 9 am–6 pm Fri. 9 am–6 pm EL PASO Sat. 9 am–1 pm Sat. 9 am–1 pm DRIVE-UP HOURS DRIVE-UP HOURS DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm Sun. 12 pm–4 pm El Paso Downtown Mon.–Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm DRIVE-UP HOURS 175 E. Arizona St. DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm El Paso, Texas 79902 I-35 RIO GRANDE VALLEY Mon.–Fri. 9 am–6 pm Sharyland Express Sat. 9 am–1 pm I-35 4819 San Dario Ave. Sat. 9 am–1 pm Phone: (915) 594-3400 2401 E. Expy 83, Suite I00 Laredo, Texas 78041 Brownsville Sun. 12 pm–4 pm Weslaco South Motor Bank LOBBY HOURS Mission, Texas 78572 Phone: (956) 721-7150 1785 E Ruben M Torres Sr Blvd. 501 S. Kansas Ave. Mon.–Thurs. 9 am–5 pm Brownsville, Texas 78521. Phone: (956) 519-8157 LOBBY HOURS McAllen 23rd Weslaco, Texas 78596 Fri. 9 am–6 pm Phone: (956) 574-8500 LOBBY HOURS Mon.–Thurs. 9 am–5 pm St 1705 N. 23rd St. Phone: (956) 968-1511 DRIVE-UP HOURS LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm McAllen, Texas 78503 LOBBY HOURS Mon.–Fri. 9 am–6 pm Fri. 9 am–6 pm Sat. 9 am–1 pm Mon.–Thurs. 9 am–5 pm Phone: (956) 682-4374 Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURS LOBBY HOURS Fri. 9 am–6 pm El Paso East Sat. 9 am–1 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm Mon.–Thurs. 9 am–5 pm 2828 North Lee Trevino, Suite C Mon.–Fri. 9 am–6 pm DRIVE-UP HOURS Sat. 9 am–1 pm DRIVE-UP HOURS Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm El Paso, Texas 79936 Mon.–Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURS Phone: (915) 594-3435 Sat. 9 am–1 pm McPherson Mon.–Fri. 9 am–6 pm LOBBY HOURS 7219 McPherson Rd. Sharyland Plantation Mon.–Thurs. 9 am–5 pm Edinburg 3605 Plantation Grove Blvd. Laredo, Texas 78041 McAllen McColl Rd Fri. 9 am–6 pm Phone: (956) 721-7100 1502 South Sugar Rd. Mission, Texas 78572 Sat. 9 am–1 pm Edinburg, Texas 78539 1524 N. McColl Rd. Phone: (956) 583-8345 LOBBY HOURS McAllen, Texas 78501 Phone: (956) 387-0200 LOBBY HOURS El Paso West Mon.–Thurs. 9 am–5 pm Phone: (956) 631-6094 Fri. 9 am–6 pm LOBBY HOURS Mon.–Thurs. 9 am–5 pm 125 Shadow Mountain Dr. Mon.–Thurs. 9 am–5 pm LOBBY HOURS Fri. 9 am–6 pm El Paso, Texas 79912 Sat. 9 am–1 pm Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURS Phone: (915) 594-3425 DRIVE-UP HOURS Fri. 9 am–6 pm Sat. 9 am–1 pm Mon.–Fri. 9 am–6 pm LOBBY HOURS Mon.–Fri. 9 am–6 pm DRIVE-UP HOURS Sat. 9 am–1 pm DRIVE-UP HOURS Mon.–Thurs. 9 am–5 pm Mon.–Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm Sharyland Fri. 9 am–6 pm REFUGIO Sat. 9 am–1 pm 1926 E. Griffin Pkwy. Sat. 9 am–1 pm McAllen Nolana Mission, Texas 78572 DRIVE-UP HOURS 111 East Plasuela St. MCALLEN Rd 730 Nolana Ave. Phone: (956) 581-1397 McAllen, Texas 78504 Mon.–Fri. 9 am–6 pm Refugio, TX 78377 LOBBY HOURS Phone: (956) 682-3243 Sat. 9 am–1 pm Phone: (361) 526-2361 McAllen Main Mon.–Thurs. 9 am–5 pm 1801 S. 2nd St. LOBBY HOURS LOBBY HOURS Fri. 9 am–6 pm

HONDO McAllen, Texas 78503 Mon.–Thurs. 9 am–5 pm CENTERS Mon.–Thurs. 9 am–5 pm DRIVE-UP HOURS Phone: (956) 664-8400 Fri. 9 am–6 pm Hondo Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm LOBBY HOURS DRIVE-UP HOURS 1401 19th St. DRIVE-UP HOURS Mon.–Thurs. 9 am–5 pm Mon.–Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm Hondo, TX 78861 Fri. 9 am–6 pm PHARR Phone: (830) 426-3041 McAllen Trenton Rd. SAN ANTONIO DRIVE-UP HOURS I Rd. Express LOBBY HOURS Mon.–Fri. 9 am–6 pm 2228 Trenton Rd., Suite 100 1200 E. Expressway 83 Mon.– Thurs. 9 am–5 pm McAllen, Texas 78504 Centre Plaza Pharr, Texas 78577 Fri. 9 am – 6 pm 45 NE Loop 410, Suite 190 McAllen North 10th St. Phone: (956) 683-8032 Phone: (956) 283-0437 DRIVE-UP HOURS LOBBY HOURS San Antonio, TX 78216 901 S. 10th St., Bldg. No. 400 LOBBY HOURS Mon.–Fri. 9 am–6 pm Phone: (210) 408-5700 McAllen, TX 78501 Mon.–Thurs. 9 am–5 pm Mon.–Thurs. 9 am–5 pm BANKING Sat. 9 am–1 pm Phone: (956) 467-0321 Fri. 9 am–6 pm LOBBY HOURS Fri. 9 am–6 pm Mon.–Thurs. 9 am–5 pm LOBBY HOURS DRIVE-UP HOURS Sat. 9 am–1 pm Fri. 9 am–6 pm Mon.–Thurs. 9 am–5 pm Mon.–Fri. 9 am–6 pm DRIVE-UP HOURS Fri. 9 am–6 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm Mon.–Fri. 9 am–6 pm DRIVE-UP HOURS Sat. 9 am–1 pm Mon.–Fri. 9 am–6 pm 8 9 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

Corporate Office Banking Centers

To learn more about our business hours business, visit pages 8-9. LOCATIONS

10 11 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

MARK YOUR CALENDAR

DATETIME EVENT (CST)

FRIDAY, NOVEMBER 30, 2018 Bill Pay and Online Banking registration deactivated.

WEDNESDAY, DECEMBER 5, 2018 Scheduled recurring transfers deactivated.

THURSDAY, DECEMBER 6, 2018 3 pm Bill Pay through Online Banking deactivated.

6 pm Mobile App deactivated. Please delete IMPORTANT DATES the app at that time. End of You should perform a download of transaction and Day statement histories from Online Banking for your records.

FRIDAY, DECEMBER 7, 2018 2 pm Cutoff time for international wire transfers.

4 pm Cutoff time for domestic wire transfers.

Automated Telephone Banking unavailable.

5 pm Online Banking deactivated.

Banking Centers closed.

SATURDAY, DECEMBER 8, 2018 9 amCustomer Service begins extended hours of operation to include Saturdays from 9:00 am to 1:30 pm.

MONDAY, DECEMBER 10, 2018 8 am www.vantagebank.com redirected to www.vantage.bank.

Automated Telephone Banking available.

Online Banking available.

All wire transfer services available.

Personal Bill Pay available.

Personal Mobile App and the Business Mobile App available for download and use.

9 am All banking centers open for business (see Banking Centers list).

JANUARY—FEBRUARY Debit card replacements mailed.

JANUARY 31, 2019 5 pm Laredo banking center at 216 West Village Boulevard closed.

MARCH 1, 2019 12 am Current Vantage Bank Texas debit cards invalid.

12 13 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

CUSTOMER SERVICE Between now and December 7, 2018, you may contact Customer Service Monday—Friday from 8:00 am to 6:00 pm by calling 866-580-7262, or by emailing [email protected].

Effective December 8, 2018, Customer Service will also be available on Saturdays from 9:00 am to 1:30 pm. The Customer Service phone number will remain the same, 866-580-7262; however, the email address will change to [email protected].

Effective December 10, 2018 customers may also reach Customer Service via chat through our website, www.vantage.bank.

ROUTING NUMBER A new routing number, 114915272, will be effective for Vantage Bank Texas on December 10, 2018. However, you may continue to use your existing checks. Important Information Direct deposits and automatic payments will continue without interruption. When setting up future direct deposits or automatic payments, please make FOR ALL CUSTOMERS sure to provide routing number 114915272 in addition to your account number. ACCOUNT NUMBERS Account numbers will remain the same, with very few exceptions. If you have an account that received a new account number, you should have received a separate communication. Contact Customer Service at 866-580-7262 if you have any questions.

CHECKS If you did not receive a new account number, you may continue using your existing Vantage Bank Texas checks after conversion.

If you have a checking account that received a new account number, you should have received a separate written communication and a call from a Vantage Bank Texas banker.

You may reorder checks at any of our convenient locations or by calling Customer Service. Check orders placed through our preferred vendor, Deluxe, will receive a discount of $5.00 if ordered by March 12, 2019.

DIRECT DEPOSITS Current direct deposits will continue to be credited to your account without interruption.

AUTOMATIC PAYMENTS Current automatic payments will continue to process without interruption.

DEPOSIT ACCOUNT— Statements STATEMENTS, FEES, Your preferred method of receiving statements will remain intact post-conversion. AND INTEREST You will receive two statements in the month of December. The frst statement will include activity through December 7, and the second statement will include activity from December 8 through your usual statement cutoff date.

Fees There will be no monthly balance requirement fee assessed in the December 7, 2018 statement.

Interest Interest will be credited on both December statements according to account terms.

14 15 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

SAFE DEPOSIT BOXES You may continue to access your Safe Deposit Box as usual during regular lobby WIRE TRANSFERS CONT. Incoming Wire Transfers hours. Your current lease agreement will remain in effect. Effective December 10, 2018, please provide the following information to the sending party: • Routing Number: 114915272 LOANS AND LINES Account numbers will remain the same, with very few exceptions. If you have • Bank Name: Vantage Bank Texas OF CREDIT an account that received a new account number, you should have received a • Your name as it appears on your bank account separate communication. Contact Customer Service at 866-580-7262 if you • Your account number have any questions. Outgoing Wire Transfers Automatic loan payments will continue without disruption. If you have loan coupons, Effective December 10, 2018, any wire transfer request that does not originate in you may continue to use them to make payments; however, monthly billing statements person or through our Treasury Management system must be emailed to remote will now be mailed to you. [email protected]. A wire specialist will contact you to confrm information before processing your wire. All loan payments should be made payable to Vantage Bank Texas. You may continue to pay your loan at any of our banking centers, through Online Banking, BRANCH LOCATIONS AND Between now and December 7, 2018, please continue to transact business at your or by mail to Vantage Bank Texas; P.O. Box 1700; McAllen, Texas 78505-1700. BUSINESS HOURS current banking center.

REPLACEMENT You will receive a replacement debit card with a new card number by mid-February On December 7, 2018 all branches will close at 5:00 pm and will remain closed until DEBIT CARD 2019. Instructions for activation will be provided with your new card. If you have not 9:00 am December 10, 2018. received your new card by February 15, 2019, please call us at 866-580-7262. Effective December 10, 2018, you will be able to bank at any banking center in our Your current debit card will be deactivated at 12:00 am on March 1, 2019. At that network. Please visit the Banking Center List on pages 9-10 for locations, phone time, your card will no longer be valid and transactions presented against the card numbers and business hours. will be declined. LAREDO BRANCH CLOSURE Due to the proximity of Vantage Bank Texas and Inter National Bank branches in DEBIT CARD RECURRING If you are using your debit card for recurring payments, contact those merchants with Laredo, it was decided to permanently close our West Village branch. The effective PAYMENTS your new debit card information. If this information is not provided to the merchant, date of the closure will be January 31, 2019. The staff from our West Village branch will transactions will be declined. transfer to one of the other two Laredo banking centers located at 4819 San Dario Avenue or 7219 McPherson Road. ATM USE DURING From 6:00 pm, December 7, 2018, until 8:00 am, December 10, 2018, ATMs will remain FUNDS AVAILABILITY There will be no change to the funds availability schedule as a result of this merger. CONVERSION WEEKEND accessible for withdrawal purposes. Balance inquiries will not be available during this time. ERROR RESOLUTION NOTICE Effective December 10, 2018, the address available for reporting unauthorized electronic transfers will change to Vantage Bank Texas; PO Box 1700; McAllen, Texas AUTOMATED TELEPHONE Access to your account information through Automated Telephone Banking will be 78505-1700. The phone number will remain 866-580-7262. BANKING available until 4:00 pm, December 7, 2018, at 888-294-6174. OVERDRAFT PROTECTION If you currently have Overdraft Protection, linking one of your Vantage Bank Texas You will regain access to the service at 8:00 am on December 10, 2018, at TRANSFERS accounts to protect another account, the transfers will continue to occur as needed. 866-580-7262. The last four (4) digits of your social security number is your Telephone Banking Password. OVERDRAFT PRIVILEGE If you currently participate in the Vantage Bank Texas Overdraft Privilege program, PROGRAM SERVICES the service will not change until January 2019. If you need assistance with accessing this service, please contact Customer Service. Beginning in 2019, instead of a fxed overdraft limit, your account overdraft limit may WEBSITE Effective December 10, 2018, when you visit our website www.vantagebank.com, you change daily. Prior to the change, you will receive additional information regarding will be redirected to www.vantage.bank. the new Overdraft Privilege program.

When you arrive at our website you will see a new look and navigation. You will FDIC INSURANCE The FDIC Standard Maximum Deposit Insurance Amount (SMDIA) for deposits is be able to chat with Customer Service by clicking on the chat button prominently $250,000 per depositor per insured fnancial institution. displayed throughout the website. If you have deposit accounts at both Vantage Bank Texas and Inter National Bank, please read “IMPORTANT INFORMATION REGARDING YOUR FDIC INSURANCE WIRE TRANSFERS Cutoff Times December 7, 2018 COVERAGE” included in this document. International wires 2 pm | Domestic wires 4 pm

On December 10, 2018, the bank will return to its normal wire transfer schedule. IRS REPORTING Vantage Bank Texas will send the required tax forms 1098 and/or 1099 information for the 2018 tax reporting year by January 31, 2019.

16 17 VANTAGE BANK | 2018 WWW.VANTAGE.BANK

Important Information for FINANCEWORKS FinanceWorks will no longer be available after December 7, 2018.

INTUIT USERS Vantage Bank Texas is migrating to a new online banking platform on Friday, December 7. PERSONAL CUSTOMERS To ensure a smooth transition, we recommend you perform a fnal download of transactions by Thursday, December 6. Instructions can be found at www.vantagebank.com/intuit.

Web Connect Users: Please make changes to your Intuit software confguration on or VANTAGE REWARDS While the Vantage Rewards Checking product will remain intact post- after December 10. CHECKING conversion, account statements will no longer include a summary of Direct Connect Users: Direct Connect will no longer be supported after December 7, 2018. qualifications to receive your rewards.

After performing the download, please review the report of transactions carefully to ensure that no transactions were duplicated or missed on the register. IRA If you have an Individual Retirement Account (IRA) with Vantage Bank Texas, your terms and interest rates will not change. If you have any questions, feel free to contact customer service at 866-580-7262.

PERSONAL ONLINE Access to Online Banking will be available until 4:00 pm, December 7, 2018. MOBILE BANKING Mobile Banking will be available until 6:00 pm, December 6, 2018. BANKING Additionally, all internal and external transfers scheduled to occur on or be- fore 4:00 pm on December 7, 2018, will be processed accordingly. Transactions On December 10, 2018, download the new Mobile Banking App. You will fnd it in the scheduled after that time will not be processed. Apple App Store or Google Play under the name Vantage Bank Texas.

Prior to December 7, 2018, please make sure to download any online banking In order to use the new Vantage Mobile Banking App, you must frst register through history and electronic statement information for your records. the new Online Banking portal. You may then utilize the same username and password created within the Online Banking portal to access services through the The new Online Banking platform will be accessible at 8:00 am, December Mobile Banking App. 10, 2018. You may visit our website to learn more about Mobile Banking. Use the First Time Log On option and register a user name and password.

If you are currently enrolled in Online Banking, you may continue to use your ex- isting user ID on the new Online Banking platform. You will, however, be required to create a new Online Banking Password. Your temporary Online Banking Password will be the last four (4) digits of your social security number.

If you have never enrolled in Online Banking, please contact Customer Service at 866-580-7262 to enroll. Important Information for Alerts System-generated alerts such as the alerts you receive when your Online BUSINESS CUSTOMERS Banking account has been locked, or when your email address or password has been changed, will continue to be available after the conversion.

Your current custom alerts will not migrate to the new platform. We ask that you please visit our Online Banking portal to reestablish your alerts through the option provided after December 10, 2018. BUSINESS ONLINE If you are currently using Business Online Banking or Treasury Management Services, you BANKING AND TREASURY will be contacted separately regarding the transition of these services. For assistance, PERSONAL ONLINE Any payees and payments saved on Bill Pay will automatically transfer over to the MANAGEMENT please call our Treasury Management Services support team at 877-627-9099 from 8:00 BANKING BILL PAY new Bill Pay platform. Additionally, any payments scheduled to be paid prior to 3:00 am to 5:00 pm Monday–Friday. pm, December 6, 2018, will be processed accordingly.

The new Online Banking Bill Pay will be accessible at 8:00 am, December 10, 2018. MERCHANT SERVICES Merchant Services will not be affected by the conversion.

We recommend reviewing your Bill Pay information after December 10, 2018 for accuracy.

Effective December 10, 2018, the timing in which the funds are debited and posted through the new Bill Pay system may vary from our previous platform. Please read the Online Banking terms and conditions in order to understand how you may be impacted. 18 19 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK PERSONAL BUSINESS Deposit Accounts Deposit Accounts

We are renaming some of our products effective December 10. Use the charts below to see We are renaming some of our products effective December 10. Use the charts what type of account yours will transition to. below to see what type of account yours will transition to.

No changes were made to the product features on these accounts: No changes were made to the product features on these accounts:

CURRENT NAME NEW NAME CURRENT NAME NEW NAME Basic Business Checking Vantage Rewards Checking No Change Vantage Business Checking Business Checking Vantage Classic Checking Vantage Personal Checking Business Classic Checking Vantage Commercial Checking Vantage Checking No Change Money Market Personal Business Analysis Checking Vantage Analysis Checking Vantage Personal Money Market Special Money Market IOLTA Checking No Change Special Money Market Promo Business Money Market Vantage Business Money Market Personal Savings Vantage Personal Savings Business Savings Vantage Business Savings Non-Proft Savings

The products below will undergo both a name change and feature/beneft changes. Use the chart below to review the changes, and call Customer Service at 866-580-7262 if you have questions. The product below will undergo both a name change and feature/beneft changes. Use the chart below to review the changes, and call Customer Service at 866-580-7262 if you have questions. CURRENT ACCOUNT NAME & FEATURES NEW ACCOUNT NAME & FEATURES (EFFECTIVE DECEMBER 10, 2018)

CURRENT ACCOUNT NAME & FEATURES NEW ACCOUNT NAME & FEATURES Advantage Business Interest Checking Vantage Business Interest Checking Minimum Average Daily Balance to avoid a Minimum Average Daily Balance to avoid a monthly monthly service charge is $1,000. service charge is $1,500. Advantage Relationship Checking Vantage Personal Interest Checking* Monthly Account Service Charge is $10. Monthly Account Service Charge is $15. Minimum Average Daily Balance to avoid a monthly Minimum Average Daily Balance to avoid a No. of transactions at no charge is 400. No. of transactions at no charge is 75. service charge is $3,000. monthly service charge is $2,000.** Excess Transaction Fee is $ .30. Excess Transaction Fee is $ .30. Monthly Account Service Charge is $10. Monthly Account Service Charge is $18.** Advantage Business Checking Vantage Business Checking Minimum Average Daily Balance to avoid a Minimum Average Daily Balance to avoid a monthly monthly service charge is $1,000. service charge is $2,500. Monthly Account Service Charge is $10. Monthly Account Service Charge is $15. No. of transactions at no charge is 400. No. of transactions at no charge is 175.

* The name change will take effect on December 10, 2018. Excess Transaction Fee is $ .30. Excess Transaction Fee is $ .30. ** The account features will take effect on January 2, 2019.

20 21 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

BANKING OUTSIDE THE BRANCH CHAT ONLINE TELEPHONE BANKING DEPOSIT-TAKING ATMS

Chat with one of our Customer Obtain your account information Deposit cash and checks at Service representatives by simply and transfer funds using any Vantage Bank Texas ATMs at any Vantage Bank Texas makes it easy for you to bank and stay in control of your fnances, visiting our website. touch-tone telephone and dialing time— 24 hours a day. regardless of where you are. Here are a few ways Vantage Bank Texas makes it easy for you to 866-580-7262. bank outside our branches:

Our business customers can also enjoy a number of services created specifcally to provide them the convenience and ® MOBILE APP MOBILE CHECK DEPOSIT CARDVALET fexibility to bank outside our branches. With the Vantage Bank Texas Deposit checks into your Manage the way your debit card Personal Mobile App, you can account using the Vantage Bank is used straight from the Vantage deposit checks, manage your Texas Personal Mobile App by Bank Texas Personal Mobile App debit card usage, make person-to simply taking a photo with your with CardValet®. person payments, set up account smartphone. alerts, easily login with Touch ID and more. BILL PAYMENT BUSINESS MOBILE APP FOR SMALL BUSINESS

With the Vantage Bank Texas Business Mobile App, you can pay bills; submit, Send single payments or establish review and approve single-payment recurring payments, include invoice POPMONEY NOTIFI ALERTS DIGITAL WALLET templates for ACH and domestic wires; record data to your payments, set approve scheduled transactions, up ebills (electronic versions of your With just a mobile number or email, Choose from dozens of account With Digital Wallet, you can make including fund transfers, ACH transfers, monthly bills), and set up bill reminders. you can send and receive money in activity alerts and receive purchases straight from your and wire transfers; set up account minutes to almost anyone in the U.S. notifcations via email, text, online smartphone, tablet or smartwatch alerts and more. banking or push notifcations for in stores, apps or on the web. personal accounts.

BUSINESS ONLINE BANKING TREASURY MANAGEMENT SERVICES TABLET APP ONLINE BANKING ONLINE BILL PAY Securely manage your company’s fnancials through the Vantage Increase your efficiency and reduce With the Vantage Bank Texas View your account balance, make Pay all your bills online or through Bank Texas Business Online Banking expenses by automating your Personal Mobile App, you can wire transfers, monitor transaction our app with just a few simple steps! platform. Enjoy easy-to-use navigation, collections, disbursements and deposit checks, manage your history and sign up for alerts. All by comprehensive real-time information funding activities. debit card usage, make person-to logging on to your Vantage Bank and the ability to quickly and efficiently person payments, set up account Texas account. manage your day-to-day cash fow alerts, easily login with Touch ID and account balances. and a lot more.

22 23 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

IMPORTANT INFORMATION REGARDING YOUR FDIC INSURANCE COVERAGE

For those customers who currently have deposit accounts at both Vantage Bank Texas and Inter National Bank, your deposits will continue to be insured by the Federal Deposit Insurance Corporation (FDIC). FDIC deposit insurance covers all deposit accounts, including checking and savings accounts, money market deposit ADDITIONAL NOTICES accounts and certificates of deposit. The standard insurance amount is $250,000 per depositor, per insured bank for each account ownership category. Vantage Bank Texas and Inter National Bank will be considered a single entity for FDIC deposit insurance. However, following a bank merger, the separate deposit insurance of each of the banks is continued for a period of not less than six months after the merger. The extended deposit insurance coverage period is designed to allow customers ample time to restructure accounts and account ownership to allow for continued deposit insurance after the merger.

For checking, savings and money market deposit accounts, the separate deposit insurance coverage will continue for six months following the merger. For certificates of deposit or time deposits that mature and are automatically rolled over within six months after the merger, the separate insurance coverage will continue until the first maturity after the expiration of the six-month period following the merger. For certificates of deposit or time deposits that mature more than six months after the merger, the separate insurance coverage continues until the earliest maturity date after the expiration of the six-month period following the merger.

The consolidation of the FDIC insurance limits will not impact our customers who maintain deposit accounts with only one of the banks, Vantage Bank Texas or Inter National Bank. However, the maximum deposit insurance coverage available to customers who maintain deposit accounts at both of the aforementioned banks may be affected. If you think you may be affected by the combined deposit insurance limit, visit your nearest Vantage Bank Texas location. To speak with a Customer Service representative, call 866-580-7262.

24 25 VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK Rev. 06/2018 FACTS WHAT DOES VANTAGE BANK TEXAS (VBT) DO WITH YOUR PERSONAL INFORMATION?

Banking Service Fees 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. The information can include:

General Service Fees ATM Service Fees Business Online banking ▪ Social Security number and income 4 ▪ Account balances and payment history Account activity printout (per printout)...... $5.00 ATM transactions: Service Fees ▪ Credit history and credit scores Account balancing assistance (per hour)...... $25.00 VBT network ATMs*...... no charge (Fees are applied upon service activation and/or use) (1-hour minimum and $1 per copy) Out-of-network ATMs (each transaction)**...... $3.00 Account closed before 90 days...... $25.00 Non-customer balance inquiry...... $3.00 Security token for each online user...... $25.00 When you are no longer our customer, we continue to share your information as described in this notice. Account closed by mail...... $5.00 Non-customer transfer...... $3.00 (frst token free) Inactive account...... $10.00 Lost/replacement card (each)...... $7.00 Small business bill pay How? All financial companies need to share customers’ personal information to run their everyday business. In the Account research (per hour)...... $35.00 Monthly maintenance...... $5.95 * Transactions at Vantage Bank Texas ATMs, plus all ATM locations (1-hour minimum and $1 per copy) displaying the Allpoint logo have no charge for VBT customers Per transaction (frst 10 items N/A)...... $1.00 section below, we list the reasons financial companies can share their customers’ personal information; the Amortization schedule...... $10.00 (conversion and cross border fees may apply). Security token lost or stolen replacement...... $25.00 reasons Vantage Bank Texas chooses to share; and whether you can limit this sharing. ** Transactions include withdrawals, balance inquiries and transfers. Stop payment...... $35.00 Balance inquiry The ATM owner may charge an additional transaction fee. Direct Access & online...... no charge Internal transfer between VBT accounts...... no charge Staff-assisted...... $3.00 Wire Transfers Check printing...... (varies with style and quantity) Monthly maintenance...... $5.00 Reasons we can share your personal information Does VBT Share? Can you limit this sharing? Copies Outgoing domestic (US Funds)...... $28.00 Image copy...... $5.00 Outgoing international (US Funds)...... $63.00 For our everyday business purposes – Yes No Photo copies (per page)...... $2.00 Teller Service Fees Wires to Banorte...... $20.00 such as to process your transactions, maintain your account(s), Credit inquiry/account verifcation...... $25.00 respond to court orders and legal investigations, or report to Deposit correction...... $7.00 Cashier’s checks: Document services: Customers...... $10.00 credit bureaus Document executions...... $25.00 Non-customers...... $12.00 Garnishments/levies/freezes...... $125.00 Cashed check for non-customers...... $7.00 Treasury Management For our marketing purposes – Yes No Indemnity bond...... $25.00 Collection items (incoming and outgoing): to offer our products and service to you Endorsement stamps...... cost Domestic...... $20.00 Service Fees Non-sufficient funds item International...... cost + $20.00 (See separate schedule) (paid or returned)...... $35.00 Title drafts...... $25.00 For joint marketing with other financial companies Yes No Overdraft fee (per item) Counter slips (deposits/debits): (paid or returned)...... $35.00 6 per statement cycle...... no charge For our affiliates’ everyday business purposes – Yes No (imposed on overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means) 7 and above (each)...... $1.00 information about your transactions and experiences Currency & coin services: Re-deposited items...... $7.00 Commercial deposit (per thousand)...... $0.25 Returned deposit item...... $12.00 For our affiliates’ everyday business purposes – Yes Yes Currency per strap ...... $0.30 Rush replacement debit card (each)...... $25.00 Coin per roll...... $0.10 Safe Deposit Box Fees information about your creditworthiness Signature card revision...... $12.00 Coin per bag...... 1.50% (Boxes subject to availability. Contact your local branch for Statements: information. Contents inside safe deposit boxes are not FDIC (of the total amount counted) For our affiliates to market to you Yes Yes Hold statements (per month)...... $10.00 Verifcation of coin deposit: insured.) Printouts (each)...... $5.00 Same denomination per bag...... 1.50% Annual rental fees Returned mail...... $15.00 (of the total amount counted) For our nonaffiliates to market to you No We don’t share 3” X 5”...... $30.00 Special statement cycle / cutoff...... $20.00 Mixed denomination per bag...... 1.50% (of the total amount counted) 4” X 10”...... $35.00 CD-ROM statement (each)...... $10.00 To limit ▪ Mail the form below 3” X 10”...... $45.00 Paper statements (per month)...... $3.00 5” X 5”...... $50.00 our sharing Please note: Stop payment (per item)...... $35.00 Transfer of funds between VBT accounts 5” X 10”...... $60.00 If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. Direct Access & online...... no charge 7” X 10”...... $75.00 When you are no longer our customer, we continue to share your information as described in this notice. 10” X 10”...... $95.00 Staff - assisted...... $6.00 Business Service Fees However, you can contact us at any time to limit our sharing. Automatic sweep transfers (insufficient funds)...... $12.00 10” X 15”...... $100.00 11” X 17”...... $135.00 Automatic internal sweep transfers (Zero & Peg Bal.) Interest on overdraft (per month)...... 1.50% Key replacement (per key)...... $25.00 Master account (per month)...... $20.00 Night deposit services: Questions? Call (956) 664-8401 or 1-866-580-7262 Drilling fees (lost key)...... cost Subsidiary accounts (per month)...... $5.00(each) Lock bag...... $25.00 Wire transfers - customers only Refundable key deposit...... $10.00 ------Incoming domestic...... $15.00 Zipper bag...... $5.00 Incoming international...... $23.00 VISA/MasterCard merchant services: Mail-in Form Incoming return fee (based on wire amount) up to...... $20.00 Imprinter...... cost Leave Blank Mark any/all you want to limit: Outgoing domestic...... $35.00 Point-of-sale terminal...... cost OR Outgoing international...... $70.00 Chargebacks...... $15.00  Do not share information about my creditworthiness with your affiliates for their everyday business Wires to and from Banorte...... $20.00 Correction notice...... $10.00 If you have a joint Effective 12/10/18 purposes. Mailed confrmation...... $3.00 Minimum monthly discount rate...... $20.00 account, your Electronic confrmation...... no charge Supplies...... cost choice(s) will apply  Do not allow your affiliates to use my personal information to market to me. to everyone on  Do not share my personal information with nonaffiliates to market their products and services to me. your account unless Name Mail to: you mark below. Address Vantage Bank Texas  Apply my City, State, Zip Attn: Call Center choices only to PO Box 1700 Telephone 866-580-7262 WWW.VANTAGEBANK.COMWWW.VANTAGE.BANK me Account(s) # McAllen, TX 78505

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What we do How does VBT protect my personal To protect your personal information from unauthorized access and use, we use information? security 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 VBT collect my personal We collect your personal information, for example, when you information? ▪ Open an account or deposit money ▪ Pay your bills or apply for a loan ▪ Give us your contact information THIS PAGE WAS INTENTIONALLY LEFT BLANK 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 information on your rights under state law.

What happens when I limit sharing for an Your choice will apply to everyone on your account – unless you tell us account I hold jointly with someone else? otherwise.

Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ▪ Our affiliates include companies with a common ownership such as Edwards Abstract & Title, LLC. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ▪ VBT 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 a marketing agency and credit card company.

Other Important Information

Texas Residents Important Notice: Vantage Bank Texas is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Vantage Bank Texas should contact the Texas Department of Banking through one of the means indicated below: In Person or U.S. mail: Texas Department of Banking, 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No: 877-276- 5554 (Toll Free), Fax: 512-475-1313, Email: [email protected], Website: www.dob.texas.gov.

CA & VT Residents: We will not share your information with nonaffiliates without your consent except for our everyday business purposes and as required or permitted by law.

NV Residents: For more information on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number 702-486-3132; Email [email protected].

28 29 3. establish rules for certain transactions or events which an interest in your account. This also includes any action Terms and Conditions of Your Account the law regulates but permits variation by agreement; that you or a third party takes regarding the account that and causes us, in good faith, to seek the advice of an attorney, Contents: 4. give you disclosures of some of our policies to which whether or not we become involved in the dispute. All costs (1) Important Information about Procedures for (11) Notices you may be entitled or in which you may be interested. and attorneys' fees can be deducted from your account when Opening a New Account (12) Statements they are incurred, without notice to you. (2) Agreement Your Duty to Report Unauthorized If any provision of this document is found to be (3) Liability Signatures, Alterations, and Forgeries unenforceable according to its terms, all remaining (4) Deposits. We will give only provisional credit until (4) Deposits Your Duty to Report Other Errors provisions will continue in full force and effect. We may collection is final for any items, other than cash, we accept (5) Withdrawals Errors Relating to Electronic Fund Transfers permit some variations from our standard agreement, but we for deposit (including items drawn "on us"). Before Generally or Substitute Checks must agree to any variation in writing either on the signature settlement of any item becomes final, we act only as your Postdated Checks (13) Direct Deposits card for your account or in some other document. Nothing agent, regardless of the form of indorsement or lack of Checks and Withdrawal Rules (14) Temporary Account Agreement in this document is intended to vary our duty to act in good indorsement on the item and even though we provide you A Temporary Debit Authorization Hold (15) Setoff faith and with ordinary care when required by law. provisional credit for the item. We may reverse any Affects Your Account Balance (16) Check Processing provisional credit for items that are lost, stolen, or returned. As used in this document the words "we," "our," and "us" Unless prohibited by law, we also reserve the right to charge Overdrafts (17) Check Cashing mean the financial institution and the words "you" and Multiple Signatures, Electronic Check (18) Truncation, Substitute Checks, and Other back to your account the amount of any item deposited to "your" mean the account holder(s) and anyone else with the your account or cashed for you which was initially paid by Conversion, and Similar Transactions Check Images authority to deposit, withdraw, or exercise control over the Notice of Withdrawal (19) Remotely Created Checks the payor bank and which is later returned to us due to an funds in the account. However, this agreement does not allegedly forged, unauthorized or missing indorsement, (6) Uniform Single-Party or Multiple-Party (20) Unlawful Internet Gambling Notice intend, and the terms "you" and "your" should not be Account Selection Form Notice (21) ACH and Wire Transfers claim of alteration, encoding error or other problem which interpreted, to expand an individual' s responsibility for an in our judgment justifies reversal of credit. You authorize us Single-Party Account Without " P.O.D." (22) Facsimile Signatures organization' s liability. If this account is owned by a (Payable on Death) Designation (23) Restrictive Legends or Indorsements to attempt to collect previously returned items without giving corporation, partnership or other organization, individual you notice, and in attempting to collect we may permit the Single-Party Account With " P.O.D." (24) Account Transfer liability is determined by the laws generally applicable to (Payable on Death) Designation (25) Indorsements payor bank to hold an item beyond the midnight deadline. that type of organization. The headings in this document are Actual credit for deposits of, or payable in, foreign currency Multiple-Party Account Without Right of (26) Death or Incompetence for convenience or reference only and will not govern the will be at the exchange rate in effect on final collection in Survivorship (27) Fiduciary Accounts interpretation of the provisions. Unless it would be U.S. dollars. We are not responsible for transactions by mail Multiple-Party Account With Right of (28) Credit Verification inconsistent to do so, words and phrases used in this Survivorship (29) Legal Actions Affecting Your Account document should be construed so the singular includes the or outside depository until we actually record them. We will Multiple-Party Account with Right of (30) Security plural and the plural includes the singular. treat and record all transactions received after our "daily Survivorship and " P.O.D." (Payable on (31) Telephonic Instructions cutoff time" on a business day we are open, or received on a Death) Designation (32) Monitoring and Recording Telephone Calls and "Party" means a person who, by the terms of an account, day we are not open for business, as if initiated on the next Convenience Account Consent to Receive Communications has a present right, subject to request, to payment from the business day that we are open. At our option, we may take Trust Account (33) Claim of Loss account other than as a beneficiary or agent. an item for collection rather than for deposit. If we accept a third-party check for deposit, we may require any (7) Business, Organization, and Association (34) Early Withdrawal Penalties (3) Liability. You agree, for yourself (and the person or Accounts (35) Address or Name Changes third-party indorsers to verify or guarantee their entity you represent if you sign as a representative of indorsements, or indorse in our presence. (8) Stop Payments (36) Resolving Account Disputes another) to the terms of this account and the schedule of (9) Telephone Transfers (37) Waiver of Notices charges. You authorize us to deduct these charges, without (5) Withdrawals. (10) Amendments and Termination (38) Additional Terms notice to you, directly from the account balance as accrued. Generally. Unless clearly indicated otherwise on the You will pay any additional reasonable charges for services account records, any of you, acting alone, who signs to (1) Important Information about Procedures for to use the account, you agree to these rules. You will you request which are not covered by this agreement. open the account or has authority to make withdrawals Opening a New Account. To help the government fight receive a separate schedule of rates, qualifying balances, and Each of you also agrees to be jointly and severally may withdraw or transfer all or any part of the account the funding of terrorism and money laundering activities, fees if they are not included in this document. If you have (individually) liable for any account shortage resulting from balance at any time. Each of you (until we receive written federal law requires all financial institutions to obtain, any questions, please call us. charges or overdrafts, whether caused by you or another notice to the contrary) authorizes each other person who verify, and record information that identifies each person with access to this account. This liability is due immediately, signs or has authority to make withdrawals to indorse any who opens an account. This agreement is subject to applicable federal laws, the laws and can be deducted directly from the account balance item payable to you or your order for deposit to this of the state of Texas and other applicable rules such as the account or any other transaction with us. What this means for you: When you open an account, we whenever sufficient funds are available. You have no right operating letters of the Federal Reserve Banks and payment to defer payment of this liability, and you are liable will ask for your name, address, date of birth, and other processing system rules (except to the extent that this Postdated Checks. A postdated check is one which information that will allow us to identify you. We may also regardless of whether you signed the item or benefited from bears a date later than the date on which the check is agreement can and does vary such rules or laws). The body the charge or overdraft. ask to see your driver' s license or other identifying of state and federal law that governs our relationship with written. We may properly pay and charge your account documents. you, however, is too large and complex to be reproduced You will be liable for our costs as well as for our reasonable for a postdated check even though payment was made here. The purpose of this document is to: attorneys' fees, to the extent permitted by law, whether before the date of the check, unless we have received (2) Agreement. This document, along with any other written notice of the postdating in time to have a documents we give you pertaining to your account(s), is a incurred as a result of collection or in any other dispute 1. summarize some laws that apply to common involving your account. This includes, but is not limited to, reasonable opportunity to act. Because we process checks contract that establishes rules which control your account(s) transactions; mechanically, your notice will not be effective and we with us. Please read this carefully and retain it for future disputes between you and another joint owner; you and an 2. establish rules to cover transactions or events which the authorized signer or similar party; or a third party claiming will not be liable for failing to honor your notice unless it reference. If you sign the signature card or open or continue law does not regulate;

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30 31 precisely identifies the number, date, amount and payee transactions will be reduced by the amount of the obligate us to do so later. So you can NOT rely on us to Single-Party Account With "P.O.D." (Payable on of the item. temporary hold. If another transaction is presented for pay overdrafts on your account regardless of how Death) Designation. The party to the account owns the payment in an amount greater than the funds left after the Checks and Withdrawal Rules. frequently or under what circumstances we have paid account. On the death of the party, ownership of the If you do not purchase deduction of the temporary hold amount, that transaction your check blanks from us, you must be certain that we overdrafts on your account in the past. We can change account passes to the P.O.D. beneficiaries of the account. will be a nonsufficient funds (NSF) transaction if we do our practice of paying overdrafts on your account without The account is not a part of the party' s estate. approve the check blanks you purchase. We may refuse not pay it or an overdraft transaction if we do pay it. You any withdrawal or transfer request which you attempt on notice to you. You can ask us if we have other account will be charged an NSF or overdraft fee according to our services that might be available to you where we commit Multiple-Party Account Without Right of forms not approved by us or by any method we do not NSF or overdraft fee policy. You will be charged the fee Survivorship. The parties to the account own the account specifically permit. We may refuse any withdrawal or to paying overdrafts under certain circumstances, such as even if you would have had sufficient funds in your an overdraft protection line-of-credit or a plan to sweep in proportion to the parties' net contributions to the transfer request which is greater in number than the account if the amount of the hold had been equal to the account. The financial institution may pay any sum in the frequency permitted, or which is for an amount greater or funds from another account you have with us. You agree amount of your purchase. that we may charge fees for overdrafts. For consumer account to a party at any time. On the death of a party, less than any withdrawal limitations. We will use the date the party' s ownership of the account passes as a part of the transaction is completed by us (as opposed to the date accounts, we will not charge fees for overdrafts caused by Here is an example of how this can occur - assume for the party' s estate under the party' s will or by intestacy. you initiate it) to apply the frequency limitations. In this example the following: (1) you have opted-in to our ATM withdrawals or one-time debit card transactions if addition, we may place limitations on the account until overdraft services for the payment of overdrafts on ATM you have not opted-in to that service. We may use Multiple-Party Account With Right of Survivorship. your identity is verified. and everyday debit card transactions, (2) we pay the subsequent deposits, including direct deposits of social The parties to the account own the account in proportion security or other government benefits, to cover such overdraft, and (3) our overdraft fee is $35 per overdraft, to the parties' net contributions to the account. The Even if we honor a nonconforming request, we are not overdrafts and overdraft fees. but we do not charge the overdraft fee if the transaction financial institution may pay any sum in the account to a required to do so later. If you violate the stated overdraws the account by less than $10. transaction limitations (if any), in our discretion we may Multiple Signatures, Electronic Check Conversion, party at any time. On the death of a party, the party' s close your account or reclassify it as a transaction You have $120 in your account. You swipe your card at and Similar Transactions. An electronic check ownership of the account passes to the surviving parties. account. If we reclassify your account, your account will the card reader on a gasoline pump. Since it is unclear conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer Multiple-Party Account With Right of Survivorship be subject to the fees and earnings rules of the new what the final bill will be, the gas station' s processing and "P.O.D." (Payable on Death) Designation. The system immediately requests a hold on your account in a as defined in the Electronic Fund Transfers regulation. In account classification. parties to the account own the account in proportion to the specified amount, for example, $80. Our processing these types of transactions the check or similar item is If we are presented with an item drawn against your system authorizes a temporary hold on your account in either removed from circulation (truncated) or given back parties' net contributions to the account. The financial account that would be a "substitute check," as defined by the amount of $80, and the gas station' s processing to you. As a result, we have no opportunity to review the institution may pay any sum in the account to a party at law, but for an error or defect in the item introduced in system authorizes you to begin pumping gas. You fill check to examine the signatures on the item. You agree any time. On the death of the last surviving party, the the substitute check creation process, you agree that we your tank and the amount of gasoline you purchased is that, as to these or any items as to which we have no ownership of the account passes to the P.O.D. may pay such item. only $50. Our processing system shows that you have opportunity to examine the signatures, you waive any beneficiaries. See the funds availability policy disclosure for $40 in your account available for other transactions ($120 requirement of multiple signatures. Convenience Account. The parties to the account own information about when you can withdraw funds you - $80 = $40) even though you would have $70 in your the account. One or more convenience signers to the account available for other transactions if the amount of Notice of Withdrawal. We reserve the right to require deposit. For those accounts to which our funds not less than 7 days' notice in writing before each account may make account transactions for a party. A availability policy disclosure does not apply, you can ask the temporary hold was equal to the amount of your convenience signer does not own the account. On the purchase ($120 - $50 = $70). Later, another transaction withdrawal from an interest-bearing account other than a us when you make a deposit when those funds will be time deposit or demand deposit, or from any other death of the last surviving party, ownership of the available for withdrawal. An item may be returned after you have authorized is presented for payment from your account passes as a part of the last surviving party' s estate account in the amount of $60 (this could be a check you savings account as defined by Regulation D. (The law the funds from the deposit of that item are made available requires us to reserve this right, but it is not our general under the last surviving party' s will or by intestacy. The for withdrawal. In that case, we will reverse the credit of have written, another debit card transaction, an ACH policy to use it.) Withdrawals from a time account prior financial institution may pay funds in the account to a the item. We may determine the amount of available debit or any other kind of payment request). This other to maturity or prior to any notice period may be restricted convenience signer before the financial institution funds in your account for the purpose of deciding whether transaction is presented before the amount of the and may be subject to penalty. See your notice of penalty receives notice of the death of the last surviving party. to return an item for insufficient funds at any time temporary hold is adjusted to the amount of your purchase (remember, it may take up to three days for the for early withdrawal. The payment to a convenience signer does not affect the between the time we receive the item and when we return parties' ownership of the account. the item or send a notice in lieu of return. We need only adjustment to be made). Because the amount of this other transaction is greater than the amount our processing (6) Uniform Single-Party or Multiple-Party Account make one determination, but if we choose to make a Trust Account. The parties named as trustees to the system shows is available in your account, our payment Selection Form Notice. The type of account you select subsequent determination, the account balance at the account own the account in proportion to the parties' net of this transaction will result in an overdraft transaction. may determine how property passes on your death. Your contributions to the account. A trustee may withdraw subsequent time will determine whether there are will may not control the disposition of funds held in some of Because the transaction overdraws your account by $20, funds from the account. A beneficiary may not withdraw insufficient available funds. your account will be assessed the overdraft fee of $35 the following accounts. You may choose to designate one or more convenience signers on an account, even if the account funds from the account before all trustees are deceased. A Temporary Debit Authorization Hold Affects according to our overdraft fee policy. You will be On the death of the last surviving trustee, the ownership charged this $35 fee according to our policy even though is not a convenience account. A designated convenience Your Account Balance. On debit card purchases, of the account passes to the beneficiary. The trust account you would have had enough money in your account to signer may make transactions on your behalf during your merchants may request a temporary hold on your account is not a part of a trustee' s estate and does not pass under for a specified sum of money, which may be more than cover the $60 transaction if your account had only been lifetime, but does not own the account during your lifetime. debited the amount of your purchase rather than the The designated convenience signer owns the account on your the trustee' s will or by intestacy, unless the trustee the actual amount of your purchase. When this happens, survives all of the beneficiaries and all other trustees. our processing system cannot determine that the amount amount of the temporary hold or if the temporary hold death only if the convenience signer is also designated as a of the hold exceeds the actual amount of your purchase. had already been adjusted to the actual amount of your P.O.D. payee or trust account beneficiary. (7) Business, Organization, and Association purchase. This temporary hold, and the amount charged to your Single-Party Account Without "P.O.D." (Payable Accounts. Earnings in the form of interest, dividends, or account, will eventually be adjusted to the actual amount Overdrafts. You understand that we may, at our on Death) Designation. The party to the account owns credits will be paid only on collected funds, unless otherwise of your purchase, but it may be up to three days before discretion, honor withdrawal requests that overdraw your the account. On the death of the party, ownership of the provided by law or our policy. You represent that you have the adjustment is made. Until the adjustment is made, the account. However, the fact that we may honor withdrawal account passes as a part of the party' s estate under the the authority to open and conduct business on this account amount of funds in your account available for other requests that overdraw the account balance does not party' s will or by intestacy. on behalf of the entity. We may require the governing

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32 33 body of the entity opening the account to give us a separate "preauthorized transfers" during the month). Other account You further agree that if you fail to report any future. If this account is owned by one or more of you as authorization telling us who is authorized to act on its transfer restrictions may be described elsewhere. unauthorized signatures, alterations or forgeries in your individuals, we may set off any funds in the account against behalf. We will honor the authorization until we actually a due and payable debt a partnership owes us now or in the (10) Amendments and Termination. We may change account within 60 days of when we first send or make the receive written notice of a change from the governing body statement available, you cannot assert a claim against us future, to the extent of your liability as a partner for the of the entity. any term of this agreement. Rules governing changes in interest rates are provided separately in the Truth-in-Savings on any items in that statement, and as between you and us partnership debt. If your debt arises from a promissory note, the loss will be entirely yours. This 60-day limitation is then the amount of the due and payable debt will be the full (8) Stop Payments. Unless otherwise provided, the rules disclosure or in another document. For other changes, we will give you reasonable notice in writing or by any other without regard to whether we used ordinary care. The amount we have demanded, as entitled under the terms of in this section cover stopping payment of items such as the note, and this amount may include any portion of the checks and drafts. Rules for stopping payment of other types method permitted by law. We may also close this account at limitation in this paragraph is in addition to that contained of transfers of funds, such as consumer electronic fund any time upon reasonable notice to you and tender of the in the first paragraph of this section. balance for which we have properly accelerated the due date. transfers, may be established by law or our policy. If we account balance personally or by mail. Items presented for Your Duty to Report Other Errors. In addition to your This right of setoff does not apply to this account if have not disclosed these rules to you elsewhere, you may payment after the account is closed may be dishonored. duty to review your statements for unauthorized prohibited by law. For example, the right of setoff does not ask us about those rules. When you close your account, you are responsible for signatures, alterations and forgeries, you agree to apply to this account if: (a) it is an Individual Retirement leaving enough money in the account to cover any examine your statement with reasonable promptness for Account or similar tax-deferred account, or (b) the debt is We may accept an order to stop payment on any item from outstanding items to be paid from the account. Reasonable any other error - such as an encoding error. In addition, created by a consumer credit transaction under a credit card any one of you. You must make any stop-payment order in notice depends on the circumstances, and in some cases such if you receive or we make available either your items or plan (but this does not affect our rights under any consensual the manner required by law; it must be made in a dated, as when we cannot verify your identity or we suspect fraud, images of your items, you must examine them for any authenticated record that describes the item with certainty. security interest), or (c) the debtor' s right of withdrawal it might be reasonable for us to give you notice after the unauthorized or missing indorsements or any other (Generally, a "record" is information that is stored in such a change or account closure becomes effective. For instance, only arises in a representative capacity, or (d) the debt is way that it can be retrieved and can be heard or read and if we suspect fraudulent activity with respect to your problems. You agree that the time you have to examine created by a home equity loan, or (e) setoff is prohibited by understood - you can ask us what type of stop payment account, we might immediately freeze or close your account your statement and items and report to us will depend on the Military Lending Act or its implementing regulations. records you can give us). We must receive it in time to give and then give you notice. If we have notified you of a the circumstances. However, this time period shall not We will not be liable for the dishonor of any check when the us a reasonable opportunity to act on it before our change in any term of your account and you continue to exceed 60 days. Failure to examine your statement and dishonor occurs because we set off a debt against this stop-payment cutoff time. Because stop-payment orders are have your account after the effective date of the change, you items and report any errors to us within 60 days of when account. You agree to hold us harmless from any claim handled by computers, to be effective, your stop-payment have agreed to the new term(s). we first send or make the statement available precludes arising as a result of our exercise of our right of setoff. order must precisely identify the number, date, and amount you from asserting a claim against us for any errors on of the item, and the payee. (11) Notices. Any written notice you give us is effective items identified in that statement and as between you and (16) Check Processing. We process items mechanically when we actually receive it, and it must be given to us us the loss will be entirely yours. by relying solely on the information encoded in magnetic ink You may stop payment on any item drawn on your account according to the specific delivery instructions provided along the bottom of the items. This means that we do not whether you sign the item or not. Your stop-payment order elsewhere, if any. We must receive it in time to have a Errors Relating to Electronic Fund Transfers or individually examine all of your items to determine if the is effective for six months. Your order will lapse after that reasonable opportunity to act on it. If the notice is regarding Substitute Checks (For consumer accounts only). For item is properly completed, signed and indorsed or to time if you do not renew the order in writing before the end a check or other item, you must give us sufficient information on errors relating to electronic fund transfers determine if it contains any information other than what is of the six-month period. We are not obligated to notify you information to be able to identify the check or item, (e.g., computer, debit card or ATM transactions) refer to encoded in magnetic ink. You agree that we have exercised when a stop-payment order expires. A release of the including the precise check or item number, amount, date your Electronic Fund Transfers disclosure and the ordinary care if our automated processing is consistent with stop-payment request may be made only by the person who and payee. Written notice we give you is effective when it is sections on consumer liability and error resolution. For general banking practice, even though we do not inspect initiated the stop-payment order. deposited in the United States Mail with proper postage and information on errors relating to a substitute check you each item. Because we do not inspect each item, if you write addressed to your mailing address we have on file. Notice to received, refer to your disclosure entitled Substitute a check to multiple payees, we can properly pay the check If you stop payment on an item and we incur any damages any of you is notice to all of you. Checks and Your Rights. regardless of the number of indorsements unless you notify or expenses because of the stop payment, you agree to (12) Statements. (13) Direct Deposits. If we are required for any reason to us in writing that the check requires multiple indorsements. indemnify us for those damages or expenses, including We must receive the notice in time for us to have a attorneys' fees. You assign to us all rights against the payee reimburse the federal government for all or any portion of a Your Duty to Report Unauthorized Signatures, reasonable opportunity to act on it, and you must tell us the or any other holder of the item. You agree to cooperate with benefit payment that was directly deposited into your Alterations, and Forgeries. You must examine your precise date of the check, amount, check number and payee. us in any legal actions that we may take against such statement of account with "reasonable promptness." If account, you authorize us to deduct the amount of our persons. You should be aware that anyone holding the item liability to the federal government from the account or from We are not responsible for any unauthorized signature or you discover (or reasonably should have discovered) any alteration that would not be identified by a reasonable may be entitled to enforce payment against you despite the unauthorized signatures or alterations, you must promptly any other account you have with us, without prior notice and stop-payment order. at any time, except as prohibited by law. We may also use inspection of the item. Using an automated process helps us notify us of the relevant facts. As between you and us, if keep costs down for you and all account holders. you fail to do either of these duties, you will have to any other legal remedy to recover the amount of our Our stop-payment cutoff time is one hour after the opening either share the loss with us, or bear the loss entirely liability. (17) Check Cashing. We may charge a fee for anyone that of the next banking day after the banking day on which we yourself (depending on whether we used ordinary care does not have an account with us who is cashing a check, receive the item. Additional limitations on our obligation to (14) Temporary Account Agreement. If the account and, if not, whether we contributed to the loss). The loss documentation indicates that this is a temporary account draft or other instrument written on your account. We may stop payment are provided by law (e.g., we paid the item in could be not only with respect to items on the statement cash or we certified the item). agreement, each person who signs to open the account or also require reasonable identification to cash such a check, but other items with unauthorized signatures or alterations has authority to make withdrawals (except as indicated to the draft or other instrument. We can decide what identification (9) Telephone Transfers. by the same wrongdoer. A telephone transfer of funds contrary) may transact business on this account. However, is reasonable under the circumstances and such identification from this account to another account with us, if otherwise we may at some time in the future restrict or prohibit further may be documentary or physical and may include collecting arranged for or permitted, may be made by the same persons You agree that the time you have to examine your a thumbprint or fingerprint. and under the same conditions generally applicable to statement and report to us will depend on the use of this account if you fail to comply with the withdrawals made in writing. Unless a different limitation is circumstances, but will not, in any circumstance, exceed requirements we have imposed within a reasonable time. (18) Truncation, Substitute Checks, and Other Check disclosed in writing, we restrict the number of transfers a total of 30 days from when the statement is first sent or Images. If you truncate an original check and create a from a savings account to another account or to third made available to you. (15) Setoff. We may (without prior notice and when substitute check, or other paper or electronic image of the parties, to a maximum of six per month (less the number of permitted by law) set off the funds in this account against any due and payable debt any of you owe us now or in the

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34 35 original check, you warrant that no one will be asked to financial institution, person or account other than the one or a stamp) along with any other indorsement information who is appointed to act on behalf of and for the benefit of make payment on the original check, a substitute check or named. You agree to be bound by automated clearing house (e.g., additional indorsements, ID information, driver' s another. We are not responsible for the actions of a any other electronic or paper image, if the payment association rules. These rules provide, among other things, license number, etc.) must fall within 1 1/2" of the "trailing fiduciary, including the misuse of funds. This account may obligation relating to the original check has already been that payments made to you, or originated by you, are edge" of a check. Indorsements must be made in blue or be opened and maintained by a person or persons named as paid. You also warrant that any substitute check you create provisional until final settlement is made through a Federal black ink, so that they are readable by automated check a trustee under a written trust agreement, or as executors, conforms to the legal requirements and generally accepted Reserve Bank or payment is otherwise made as provided in processing equipment. administrators, or conservators under court orders. You specifications for substitute checks. You agree to retain the Article 4A-403(a) of the Uniform Commercial Code. If we understand that by merely opening such an account, we are As you look at the front of a check, the "trailing edge" is the original check in conformance with our internal policy for do not receive such payment, we are entitled to a refund not acting in the capacity of a trustee in connection with the retaining original checks. You agree to indemnify us for any left edge. When you flip the check over, be sure to keep all from you in the amount credited to your account and the indorsement information within 1 1/2" of that edge. trust nor do we undertake any obligation to monitor or loss we may incur as a result of any truncated check party originating such payment will not be considered to enforce the terms of the trust or letters. transaction you initiate. We can refuse to accept substitute have paid the amount so credited. Credit entries may be checks that have not previously been warranted by a bank or made by ACH. If we receive a payment order to credit an (28) Credit Verification. You agree that we may verify other financial institution in conformance with the Check 21 account you have with us by wire or ACH, we are not credit and employment history by any necessary means, Act. Unless specifically stated in a separate agreement required to give you any notice of the payment order or including preparation of a credit report by a credit reporting between you and us, we do not have to accept any other credit. agency. electronic or paper image of an original check. (22) Facsimile Signatures. Unless you make advance (29) Legal Actions Affecting Your Account. If we are (19) Remotely Created Checks. Like any standard check arrangements with us, we have no obligation to honor served with a subpoena, restraining order, writ of or draft, a remotely created check (sometimes called a facsimile signatures on your checks or other orders. If we do attachment or execution, levy, garnishment, search warrant, telecheck, preauthorized draft or demand draft) is a check or agree to honor items containing facsimile signatures, you or similar order relating to your account (termed "legal draft that can be used to withdraw money from an account. authorize us, at any time, to charge you for all checks, action" in this section), we will comply with that legal Unlike a typical check or draft, however, a remotely created drafts, or other orders, for the payment of money, that are action. Or, in our discretion, we may freeze the assets in the check is not issued by the paying bank and does not contain drawn on us. You give us this authority regardless of by account and not allow any payments out of the account until the signature of the account owner (or a signature purported whom or by what means the facsimile signature(s) may have a final court determination regarding the legal action. We to be the signature of the account owner). In place of a been affixed so long as they resemble the facsimile signature may do these things even if the legal action involves less signature, the check usually has a statement that the owner specimen filed with us, and contain the required number of than all of you. In these cases, we will not have any liability authorized the check or has the owner' s name typed or signatures for this purpose. You must notify us at once if to you if there are insufficient funds to pay your items printed on the signature line. you suspect that your facsimile signature is being or has because we have withdrawn funds from your account or in been misused. any way restricted access to your funds in accordance with You warrant and agree to the following for every remotely the legal action. Any fees or expenses we incur in created check we receive from you for deposit or collection: (23) Restrictive Legends or Indorsements. The responding to any legal action (including, without limitation, (1) you have received express and verifiable authorization to automated processing of the large volume of checks we attorneys' fees and our internal expenses) may be charged create the check in the amount and to the payee that appears receive prevents us from inspecting or looking for restrictive against your account. The list of fees applicable to your legends, restrictive indorsements or other special instructions on the check; (2) you will maintain proof of the It is important that you confine the indorsement information account(s) provided elsewhere may specify additional fees on every check. Examples of restrictive legends placed on authorization for at least 2 years from the date of the to this area since the remaining blank space will be used by that we may charge for certain legal actions. checks are "must be presented within 90 days" or "not valid authorization, and supply us the proof if we ask; and (3) if a others in the processing of the check to place additional for more than $1,000.00." The payee' s signature (30) Security. It is your responsibility to protect the check is returned you owe us the amount of the check, needed indorsements and information. You agree that you accompanied by the words "for deposit only" is an example account numbers and electronic access devices (e.g., an regardless of when the check is returned. We may take will indemnify, defend, and hold us harmless for any loss, of a restrictive indorsement. For this reason, we are not ATM card) we provide you for your account(s). Do not funds from your account to pay the amount you owe us, and liability, damage or expense that occurs because your required to honor any restrictive legend or indorsement or discuss, compare, or share information about your account if there are insufficient funds in your account, you still owe indorsement, another indorsement, or information you have other special instruction placed on checks you write unless number(s) with anyone unless you are willing to give them us the remaining balance. printed on the back of the check obscures our indorsement. we have agreed in writing to the restriction or instruction. full use of your money. An account number can be used by These indorsement guidelines apply to both personal and (20) Unlawful Internet Gambling Notice. Restricted Unless we have agreed in writing, we are not responsible for thieves to issue an electronic debit or to encode your number business checks. transactions as defined in Federal Reserve Regulation GG any losses, claims, damages, or expenses that result from on a false demand draft which looks like and functions like are prohibited from being processed through this account or your placement of these restrictions or instructions on your (26) Death or Incompetence. You agree to notify us an authorized check. If you furnish your access device and relationship. Restricted transactions generally include, but checks. promptly if any person with a right to withdraw funds from grant actual authority to make transfers to another person (a are not limited to, those in which credit, electronic fund family member or coworker, for example) who then exceeds (24) Account Transfer. This account may not be your account(s) dies or is adjudicated (determined by the transfers, checks, or drafts are knowingly accepted by appropriate official) incompetent. We may continue to honor that authority, you are liable for the transfers unless we have gambling businesses in connection with the participation by transferred or assigned without our prior written consent. your checks, items, and instructions until: (a) we know of been notified that transfers by that person are no longer others in unlawful Internet gambling. (25) Indorsements. We may accept for deposit any item your death or adjudication of incompetence, and (b) we have authorized. Your account number can also be used to (21) ACH and Wire Transfers. This agreement is subject payable to you or your order, even if they are not indorsed had a reasonable opportunity to act on that knowledge. You electronically remove money from your account, and to Article 4A of the Uniform Commercial Code - Fund by you. We may give cash back to any one of you. We may agree that we may pay or certify checks drawn on or before payment can be made from your account even though you Transfers as adopted in the state in which you have your supply any missing indorsement(s) for any item we accept the date of death or adjudication of incompetence for up to did not contact us directly and order the payment. You must account with us. If you originate a fund transfer and you for deposit or collection, and you warrant that all ten (10) days after your death or adjudication of also take precaution in safeguarding your blank checks. identify by name and number a beneficiary financial indorsements are genuine. incompetence unless ordered to stop payment by someone Notify us at once if you believe your checks have been lost institution, an intermediary financial institution or a claiming an interest in the account. or stolen. As between you and us, if you are negligent in beneficiary, we and every receiving or beneficiary financial To ensure that your check or share draft is processed safeguarding your checks, you must bear the loss entirely institution may rely on the identifying number to make without delay, you must indorse it (sign it on the back) in a (27) Fiduciary Accounts. Accounts may be opened by a yourself or share the loss with us (we may have to share payment. We may rely on the number even if it identifies a specific area. Your entire indorsement (whether a signature person acting in a fiduciary capacity. A fiduciary is someone

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36 37 some of the loss if we failed to use ordinary care and if we authorize us to contact you through the use of voice, voice necessary to allow a legal proceeding to determine the merits substantially contributed to the loss). mail and text messaging, including the use of pre-recorded of the claim or until we receive evidence satisfactory to us Except for consumer electronic funds transfers subject to or artificial voice messages and an automated dialing device. that the dispute has been resolved. We will not be liable for any items that are dishonored as a consequence of placing a Regulation E, you agree that if we offer you services If necessary, you may change or remove any of the hold on funds in your account for these reasons. appropriate for your account to help identify and limit fraud telephone numbers or email addresses at any time using any or other unauthorized transactions against your account, reasonable means to notify us. (37) Waiver of Notices. To the extent permitted by law, such as positive pay or commercially reasonable security (33) Claim of Loss. If you claim a credit or refund you waive any notice of non-payment, dishonor or protest procedures, and you reject those services, you will be regarding any items credited to or charged against your responsible for any fraudulent or unauthorized transactions because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the account. For example, if you deposit a check and it is which could have been prevented by the services we offered, returned unpaid or we receive a notice of nonpayment, we unless we acted in bad faith or to the extent our negligence investigation of the loss, including giving us an affidavit containing whatever reasonable information we require do not have to notify you unless required by federal contributed to the loss. If we offered you a commercially Regulation CC or other law. reasonable security procedure which you reject, you agree concerning your account, the transaction, and the that you are responsible for any payment order, whether circumstances surrounding the loss. You will notify law (38) Additional Terms. authorized or not, that we accept in compliance with an enforcement authorities of any criminal act related to the alternative security procedure that you have selected. claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to (31) Telephonic Instructions. Unless required by law or investigate the facts and circumstances surrounding any we have agreed otherwise in writing, we are not required to claim of loss. Unless we have acted in bad faith, we will not act upon instructions you give us via facsimile transmission be liable for special or consequential damages, including or leave by voice mail or on a telephone answering machine. loss of profits or opportunity, or for attorneys' fees incurred by you. You agree that you will not waive any rights you (32) Monitoring and Recording Telephone Calls and have to recover your loss against anyone who is obligated to Consent to Receive Communications. Subject to federal repay, insure, or otherwise reimburse you for your loss. and state law, we may monitor or record phone calls for You will pursue your rights or, at our option, assign them to security reasons, to maintain a record and to ensure that you us so that we may pursue them. Our liability will be reduced receive courteous and efficient service. You consent in by the amount you recover or are entitled to recover from advance to any such recording. these other sources. To provide you with the best possible service in our ongoing (34) Early Withdrawal Penalties (and involuntary business relationship for your account we may need to withdrawals). We may impose early withdrawal penalties on contact you about your account from time to time by a withdrawal from a time account even if you don' t initiate telephone, text messaging or email. However, we must first the withdrawal. For instance, the early withdrawal penalty obtain your consent to contact you about your account may be imposed if the withdrawal is caused by our setoff because we must comply with the consumer protection against funds in the account or as a result of an attachment provisions in the federal Telephone Consumer Protection or other legal process. We may close your account and Act of 1991 (TCPA), CAN-SPAM Act and their related impose the early withdrawal penalty on the entire account federal regulations and orders issued by the Federal balance in the event of a partial early withdrawal. See your Communications Commission (FCC). notice of penalty for early withdrawals for additional } Your consent is limited to your account, and as information. authorized by applicable law and regulations. (35) Address or Name Changes. You are responsible for } Your consent does not authorize us to contact you for notifying us of any change in your address or your name. telemarketing purposes (unless you otherwise agreed Unless we agree otherwise, change of address or name must elsewhere). be made in writing by at least one of the account holders. With the above understandings, you authorize us to contact Informing us of your address or name change on a check you regarding your account throughout its existence using reorder form is not sufficient. We will attempt to any telephone numbers or email addresses that you have communicate with you only by use of the most recent previously provided to us or that you may subsequently address you have provided to us. If provided elsewhere, we provide to us. may impose a service fee if we attempt to locate you. This consent is regardless of whether the number we use to (36) Resolving Account Disputes. We may place an contact you is assigned to a landline, a paging service, a administrative hold on the funds in your account (refuse cellular wireless service, a specialized mobile radio service, payment or withdrawal of the funds) if it becomes subject to other radio common carrier service or any other service for a claim adverse to (1) your own interest; (2) others claiming which you may be charged for the call. You further an interest as survivors or beneficiaries of your account; or (3) a claim arising by operation of law. The hold may be placed for such period of time as we believe reasonably

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38 39 www.vantage.bank