TABLE OF CONTENTS TERMS AND CONDITIONS OF YOUR ACCOUNT .................................................................................................................................................................... 2 Important Information About Procedures for Opening a New Account ........................................................................................................................................... 2 Agreement .......................................................................................................................................................................................................................... 2 Bylaws ............................................................................................................................................................................................................................... 2 Liability .............................................................................................................................................................................................................................. 2 Dispute Resolution Program: Arbitration Agreement .................................................................................................................................................................. 2 Deposits ............................................................................................................................................................................................................................. 2 Withdrawals ........................................................................................................................................................................................................................ 3 Understanding and Avoiding Overdraft and Nonsufficient Funds (NSF) Fees ................................................................................................................................... 3 Ownership of Account and Beneficiary Designation .................................................................................................................................................................... 4 Stop Payments .................................................................................................................................................................................................................... 4 Transfer Limitations .............................................................................................................................................................................................................. 4 Amendments and Termination ................................................................................................................................................................................................ 4 Notices ............................................................................................................................................................................................................................... 4 Statements ......................................................................................................................................................................................................................... 4 Account Transfer .................................................................................................................................................................................................................. 4 Direct Deposits .................................................................................................................................................................................................................... 5 Right to Repayment of Indebtedness ....................................................................................................................................................................................... 5 Authorized Signer ................................................................................................................................................................................................................ 5 Restrictive Legends or Endorsements ...................................................................................................................................................................................... 5 Pledges .............................................................................................................................................................................................................................. 5 Check Processing ................................................................................................................................................................................................................. 5 Check Cashing ..................................................................................................................................................................................................................... 5 Address or Name Changes ..................................................................................................................................................................................................... 5 Waiver of Notices ................................................................................................................................................................................................................. 5 ACH and Wire Transfers ........................................................................................................................................................................................................ 5 Facsimile Signatures ............................................................................................................................................................................................................. 5 Power of Attorney ................................................................................................................................................................................................................ 5 Stale-Dated Checks .............................................................................................................................................................................................................. 5 NCUA Insurance ................................................................................................................................................................................................................... 5 Endorsements ..................................................................................................................................................................................................................... 5 Unclaimed Property .............................................................................................................................................................................................................. 6 Death or Incompetence ......................................................................................................................................................................................................... 6 UTMA Accounts .................................................................................................................................................................................................................... 6 Fiduciary Accounts ............................................................................................................................................................................................................... 6 Backup Withholding/TIN Certification ...................................................................................................................................................................................... 6 Credit Verification ................................................................................................................................................................................................................ 6 Lost, Destroyed, or Stolen Certified, Cashier’s, or Teller’s Checks ................................................................................................................................................ 6 Changing Account Products .................................................................................................................................................................................................... 6 Legal Actions Affecting Your Account ....................................................................................................................................................................................... 6 Truncation, Substitute Checks, and Other Check Images ............................................................................................................................................................ 6 Account Security .................................................................................................................................................................................................................. 6 ATM/Debit Card Inactivity .....................................................................................................................................................................................................