Personal Deposit Account Agreement and Schedule of Fees Effective: September 15, 2021 TABLE OF CONTENTS AGREEMENT FOR YOUR ACCOUNT ..................................................................................... 5 Account Funding .................................................................................................................................................................. 5 Changes to This Agreement ................................................................................................................................................ 5 Closing an Account .............................................................................................................................................................. 5 Compliance with Laws and Regulations .............................................................................................................................. 5 Financial Information ........................................................................................................................................................... 6 General Use of Credit File Information ................................................................................................................................ 6 Governing Law .................................................................................................................................................................... 6 Information You Give Us ..................................................................................................................................................... 6 Personal Information at Account Opening ........................................................................................................................... 6 Service Charges .................................................................................................................................................................. 6 Statements .......................................................................................................................................................................... 6 Telephone Calls: Calling, Monitoring and Recording ........................................................................................................... 6 E- SIGN DISCLOSURE AND CONSENT .................................................................................. 6 PRIVACY POLICY .................................................................................................................... 8 GENERAL BANKING INFORMATION AND TERMS ............................................................... 8 Accepting Deposits .............................................................................................................................................................. 8 Account Ownership ............................................................................................................................................................. 9 ACH New Account Funding ................................................................................................................................................. 9 Annual Percentage Yield (APY)........................................................................................................................................... 9 Available Balance ................................................................................................................................................................ 9 Average Daily Balance ........................................................................................................................................................ 9 Business Days ..................................................................................................................................................................... 9 Cash Deposits ..................................................................................................................................................................... 9 Check Forms and Special Conditions .................................................................................................................................. 9 Collected Balance ................................................................................................................................................................ 9 Converting Checks to Electronic Debits .............................................................................................................................. 9 Death or Incompetence ....................................................................................................................................................... 9 Demand Drafts and Remotely Created Checks ................................................................................................................. 10 Endorsements ................................................................................................................................................................... 10 Facsimile Signatures ......................................................................................................................................................... 10 Foreign Items and Foreign Currency ................................................................................................................................. 10 "Freezing" Your Account.................................................................................................................................................... 10 Ledger Balance ................................................................................................................................................................. 10 Legal Process .................................................................................................................................................................... 10 Limit on Number of Accounts............................................................................................................................................. 10 Overdrafts .......................................................................................................................................................................... 10 Our Receipt of Deposits .................................................................................................................................................... 11 Processing Transactions and Posting Orders.................................................................................................................... 11 Posting Orders ................................................................................................................................................................... 11 1 Changing Posting Orders .................................................................................................................................................. 11 Posting Orders Determined at End of Day ........................................................................................................................ 11 Payable on Death (POD) Designation ............................................................................................................................... 11 Post-Dated Checks ............................................................................................................................................................ 12 Powers Of Attorney ........................................................................................................................................................... 12 Prohibited Transactions ..................................................................................................................................................... 12 Reclassification of Deposit Accounts ................................................................................................................................. 12 Setoff ................................................................................................................................................................................. 12 Stale-Dated Checks ........................................................................................................................................................... 12 Stop Payment Request ...................................................................................................................................................... 12 Substitute Checks, Indemnified Copies, Images and Image Replacement Copies ........................................................... 13 Unclaimed Property – Accounts Presumed Inactive or Abandoned .................................................................................. 13 CHECKING AND SAVINGS ACCOUNTS - TRUTH IN SAVINGS DISCLOSURE ................. 13 Interest .............................................................................................................................................................................. 13 Limitations on Withdrawals ................................................................................................................................................ 14 Advisor Private Client Checking ........................................................................................................................................ 14 Cashback Checking ..........................................................................................................................................................