TABLE OF CONTENTS Page TERMS AND CONDITIONS OF YOUR ACCOUNT ....................................................................................................................................................................... 2 Important Information About Procedures for Opening a New Account ........................................................................................................................................... 2 Agreement....................................................................................................................................................................................................................................... 2 Liability ............................................................................................................................................................................................................................................ 2 Deposits .......................................................................................................................................................................................................................................... 2 Withdrawals..................................................................................................................................................................................................................................... 2 Understanding and Avoiding Overdraft and Nonsufficient Funds (NSF) Fees................................................................................................................................ 3 Ownership of Account and Beneficiary Designation ....................................................................................................................................................................... 4 Stop Payments ................................................................................................................................................................................................................................ 4 Telephone Transfers ....................................................................................................................................................................................................................... 4 Amendments and Termination ........................................................................................................................................................................................................ 4 Notices ............................................................................................................................................................................................................................................ 4 Statements ...................................................................................................................................................................................................................................... 4 Account Transfer ............................................................................................................................................................................................................................. 5 Direct Deposits ................................................................................................................................................................................................................................ 5 Temporary Account Agreement ...................................................................................................................................................................................................... 5 Setoff ............................................................................................................................................................................................................................................... 5 Authorized Signer............................................................................................................................................................................................................................ 5 Restrictive Legends or Endorsements ............................................................................................................................................................................................ 5 Facsimile Signatures ....................................................................................................................................................................................................................... 5 Check Processing ........................................................................................................................................................................................................................... 5 Check Cashing ................................................................................................................................................................................................................................ 5 Endorsements ................................................................................................................................................................................................................................. 5 Death or Incompetence ................................................................................................................................................................................................................... 6 Fiduciary Accounts .......................................................................................................................................................................................................................... 6 Credit Verification ............................................................................................................................................................................................................................ 6 Legal Actions Affecting Your Account ............................................................................................................................................................................................. 6 Account Security ............................................................................................................................................................................................................................. 6 Telephonic Instructions ................................................................................................................................................................................................................... 6 Monitoring and Recording Telephone Calls and Consent to Receive Communications ................................................................................................................. 6 Claim of Loss................................................................................................................................................................................................................................... 7 Early Withdrawal Penalties.............................................................................................................................................................................................................. 7 Address or Name Changes ............................................................................................................................................................................................................. 7 Resolving Account Disputes............................................................................................................................................................................................................ 7 Waiver of Notices ............................................................................................................................................................................................................................ 7 ACH and Wire Transfers .................................................................................................................................................................................................................7 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES.......................................................................................................................... 7 YOUR ABILITY TO WITHDRAW FUNDS .................................................................................................................................................................................... 10 SUBSTITUTE CHECKS AND YOUR RIGHTS............................................................................................................................................................................. 11 TRUTH-IN-SAVINGS DISCLOSURE ........................................................................................................................................................................................... 12 Hometown Checking Account ....................................................................................................................................................................................................... 12 My Generation Checking Account................................................................................................................................................................................................