Your Deposit Account n TERMS & CONDITIONS n ELECTRONIC TRANSFERS n FUNDS AVAILABILITY n PRIVACY POLICY Revised 11/20/2020 TABLE OF CONTENTS PRIVACY.........................................................................................................................................................................................................................................3 TERMS AND CONDITIONS OF YOUR ACCOUNT .......................................................................................................................................................................5 Important Account Opening Information..........................................................................................................................................................................................5 Agreement.......................................................................................................................................................................................................................................5 Liability.............................................................................................................................................................................................................................................5 Deposits...........................................................................................................................................................................................................................................5 Withdrawals.....................................................................................................................................................................................................................................5 Understanding and Avoiding Overdraft and Nonsufficient Funds (NSF) Fees................................................................................................................................6 Ownership of Account and Beneficiary Designation........................................................................................................................................................................7 Business, Organization and Association Accounts .........................................................................................................................................................................7 Stop Payments ................................................................................................................................................................................................................................7 Telephone Transfers .......................................................................................................................................................................................................................7 Amendments and Termination ........................................................................................................................................................................................................7 Notices.............................................................................................................................................................................................................................................7 Statements ......................................................................................................................................................................................................................................7 Account Transfer .............................................................................................................................................................................................................................8 Direct Deposits ................................................................................................................................................................................................................................8 Temporary Account Agreement.......................................................................................................................................................................................................8 Setoff ...............................................................................................................................................................................................................................................8 Agency (Power of Attorney) Designation.........................................................................................................................................................................................8 Restrictive Legends or Indorsements..............................................................................................................................................................................................8 Facsimile Signatures .......................................................................................................................................................................................................................9 Check Processing............................................................................................................................................................................................................................9 Check Cashing ................................................................................................................................................................................................................................9 Indorsements...................................................................................................................................................................................................................................9 Death or Incompetence ...................................................................................................................................................................................................................9 Fiduciary Accounts ..........................................................................................................................................................................................................................9 Credit Verification ............................................................................................................................................................................................................................9 Legal Actions Affecting Your Account .............................................................................................................................................................................................9 Account Security..............................................................................................................................................................................................................................9 Telephonic Instructions..................................................................................................................................................................................................................10 Monitoring and Recording Telephone Calls and Consent to Receive Communications ...............................................................................................................10 Claim of Loss.................................................................................................................................................................................................................................10 Early Withdrawal Penalties............................................................................................................................................................................................................10 Address or Name Changes ...........................................................................................................................................................................................................10 Resolving Account Disputes..........................................................................................................................................................................................................10 Waiver of Notices ..........................................................................................................................................................................................................................10 ACH and Wire Transfers ...............................................................................................................................................................................................................10 Pledges..........................................................................................................................................................................................................................................10 Power of Attorney..........................................................................................................................................................................................................................10 Stale-Dated Checks.......................................................................................................................................................................................................................11