DEPOSIT ACCOUNT AGREEMENT - TABLE OF CONTENTS Page PRIVACY ....................................................................................................................................................................................... 2 TERMS AND CONDITIONS OF YOUR ACCOUNT ..................................................................................................................... 4 Important Information About Procedures for Opening a New Account ..................................................................................... 4 Agreement ................................................................................................................................................................................. 4 Liability ...................................................................................................................................................................................... 4 Deposits .................................................................................................................................................................................... 4 Withdrawals ............................................................................................................................................................................... 5 Understanding and Avoiding Overdraft and Returned Item Fees ............................................................................................. 5 Ownership of Account and Beneficiary Designation ................................................................................................................. 7 Authorized Signer/Agent ........................................................................................................................................................... 8 Fiduciary Accounts .................................................................................................................................................................... 8 Stop Payments .......................................................................................................................................................................... 8 Telephone Transfers ................................................................................................................................................................. 8 Amendments and Termination .................................................................................................................................................. 8 Notices ...................................................................................................................................................................................... 8 Statements ................................................................................................................................................................................ 9 Reporting Fraud, Errors, Etc ..................................................................................................................................................... 9 Account Transfer ..................................................................................................................................................................... 10 Direct Deposits ........................................................................................................................................................................ 10 Setoff ....................................................................................................................................................................................... 10 Restrictive Legends or Indorsements ..................................................................................................................................... 10 Facsimile Signatures ............................................................................................................................................................... 10 Check Processing ................................................................................................................................................................... 10 Indorsements .......................................................................................................................................................................... 10 Death or Incompetence ........................................................................................................................................................... 11 Credit Verification .................................................................................................................................................................... 11 Legal Actions Affecting Your Account ..................................................................................................................................... 11 Account Security ..................................................................................................................................................................... 11 Telephonic Instructions ........................................................................................................................................................... 12 Monitoring and Recording Telephone Calls and Consent to Receive Communications ........................................................ 12 Claim of Loss .......................................................................................................................................................................... 12 Early Withdrawal Penalties ..................................................................................................................................................... 12 Address or Name Changes ..................................................................................................................................................... 12 Resolving Account Disputes ................................................................................................................................................... 12 Waiver of Notices .................................................................................................................................................................... 13 ACH and Wire Transfers ......................................................................................................................................................... 13 Power of Attorney .................................................................................................................................................................... 13 Stale-Dated Checks ................................................................................................................................................................ 13 FDIC Insurance ....................................................................................................................................................................... 13 Unclaimed Property. ............................................................................................................................................................... 13 UTMA/UGMA Accounts .......................................................................................................................................................... 13 Backup Withholding/TIN Certification ..................................................................................................................................... 14 Remotely Created Checks ...................................................................................................................................................... 14 Health Savings Accounts (HSA) ............................................................................................................................................. 14 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ..................................................................... 15 NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS ................................................................................... 19 YOUR ABILITY TO WITHDRAW FUNDS .................................................................................................................................. 20 SUBSTITUTE CHECKS AND YOUR RIGHTS ........................................................................................................................... 21 TRUTH-IN-SAVINGS DISCLOSURE ......................................................................................................................................... 22 Connected Checking Account ................................................................................................................................................. 22 Rewards Checking Account .................................................................................................................................................... 22 Pennant Checking Account ..................................................................................................................................................... 22 Banner’s Best Checking Account ............................................................................................................................................ 22 Connected Savings Account ..................................................................................................................................................