DEPOSIT AGREEMENT Member FDIC © 2010 Regions Bank. All Rights Reserved Table of Contents Page About the Deposit Agreement ................................................................1-2 Section I. Agreement for Deposit Accounts .......................................3-31 Acceptance Of This Agreement ....................................................................3 Deposits; Deposit Of Substitute Checks ................................................3-4 Collection of Items .................................................................................4-5 Authorized Signers; Remotely Created Drafts; Facsimile Signatures ......5-6 Fraud Detection and Deterrence; Identity Theft ........................................6 Payment Of Items; Limits On Withdrawal; Cashing Checks For Non-Customers ...................................................................................6-7 Interest Bearing Accounts ......................................................................7-8 Sub-Accounts ........................................................................................8-9 Review Of Statements .........................................................................9-10 Check Retention Accounts ......................................................................10 Service Charges ................................................................................10-11 Endorsing Items ...................................................................................... 11 Information-Sharing ................................................................................ 11 Verification .............................................................................................. 11 Automated Clearing House ..................................................................... 11 Wire Transfers ...................................................................................11-12 Assignment ........................................................................................12-13 Insufficient Funds And Overdrafts ...........................................................13 Automated Item Processing ....................................................................13 Postdated, Stale And Expiration Date Items ......................................13-14 Stopping Payment; No Stopping Payment Of Bank Instruments .......14-15 Multi-Party Accounts ...............................................................................15 Formal Trust Account ..............................................................................15 “In Trust For”/ Payable On Death (POD) Accounts .................................16 Accounts Established On Behalf Of Others ............................................16 Business/ Organization Accounts And Authorized Representatives ..16-17 Special State Provisions And Disclosures .........................................17-19 Power Of Attorney Accounts ...................................................................19 Fiduciary Accounts ..................................................................................19 Closing Your Account .........................................................................19-20 Abandoned Or Dormant Accounts ..........................................................20 Adverse Claims To An Account ...............................................................20 Legal Process Affecting Your Account ...............................................20-21 Arbitration And Waiver Of Jury Trial ...................................................21-24 Indemnification; Waiver Of Consequential Damages .............................24 Costs And Attorney’s Fees ......................................................................24 Right Of Setoff; Grant Of Security Interest ........................................24-25 Changing This Agreement ......................................................................25 Effect Of Waiver .................................................................................25-26 Waiver Of Notice .....................................................................................26 Notices ....................................................................................................26 Account Disclosures ...............................................................................26 Force Majeure .........................................................................................26 Applicable Law ........................................................................................26 Conflicts With Applicable Law And Disclosures .................................26-27 Entire Agreement; Other Programs And Services ..................................27 Construction Of Agreement ....................................................................27 Severability .............................................................................................27 Illegal Purposes; Offensive Conduct ..................................................27-28 Customer Identification Program ............................................................28 Telephone Transactions .....................................................................28-29 Overdraft Protection ...........................................................................29-30 Tax Issues ...............................................................................................30 Backup Withholding ................................................................................30 Special Terms Regarding Electronic Funds Transfers For Non-Consumer Accounts ................................................................30-31 Section II. Time Deposits/ Certificates of Deposit ............................31-34 Interest Accrual Information ....................................................................31 Interest Payment Method And Frequency ..............................................31 Interest Payment Method ........................................................................31 Interest Payment Frequency ...................................................................31 Annual Percentage Yield (APY) ..............................................................31 Automatic Renewal ............................................................................31-32 Pre-Maturity Notice .................................................................................32 Renewal Confirmation Notice .................................................................32 Grace Period ...........................................................................................32 Non-Automatically Renewable; Final Maturity Notice .............................32 Early Withdrawal .....................................................................................32 Multiple Ownership ............................................................................32-33 Early Withdrawal Penalty ........................................................................33 Transferability .........................................................................................33 Negotiability .......................................................................................33-34 Reporting Interest Earned .......................................................................34 Additional Deposits .................................................................................34 Termination .............................................................................................34 Additional Conditions Specific To Certificates .........................................34 Section III. Individual Retirement Accounts ......................................34-36 Interest Rate ...........................................................................................34 18-Month Variable IRA ............................................................................35 Money Market IRA ..................................................................................35 Automatic Renewal Of Deposit ...............................................................35 Additional Deposits .................................................................................35 18-Month Variable IRA ............................................................................35 Money Market IRA ..................................................................................35 Automated Deposits ...............................................................................35 Interest Payment Frequency ...................................................................35 Interest And Principal Disbursements/Withdrawals ................................35 Payment Method .....................................................................................35 Payment Frequency ................................................................................35 Early Withdrawal Penalty ........................................................................36 Termination .............................................................................................36 Tax Consequences .................................................................................36 Section IV. Funds Availability Policy .................................................36-37 Your Ability To Withdraw Funds ..............................................................36 Longer Delays May Apply ..................................................................36-37 Special Rules For New Accounts ............................................................37