TABLE OF CONTENTS COMMERCIAL TERMS AND CONDITIONS OF YOUR ACCOUNT .................................................................................................................................................................................2 Important Information About Procedures for Opening a New Account ...............................................................................................................................................................................2 Agreement ...........................................................................................................................................................................................................................................................................2 Bylaws .................................................................................................................................................................................................................................................................................2 Liability ................................................................................................................................................................................................................................................................................2 Deposits ..............................................................................................................................................................................................................................................................................2 Withdrawals .........................................................................................................................................................................................................................................................................2 Commercial , Organization and Association Accounts ........................................................................................................................................................................................................3 Stop Payments ....................................................................................................................................................................................................................................................................3 Transfer Limitations .............................................................................................................................................................................................................................................................3 Amendments and Termination ............................................................................................................................................................................................................................................3 Notices ................................................................................................................................................................................................................................................................................3 Statements ..........................................................................................................................................................................................................................................................................3 Account Transfer .................................................................................................................................................................................................................................................................3 Direct Deposits ....................................................................................................................................................................................................................................................................3 Right to Repayment of Indebtedness ..................................................................................................................................................................................................................................3 Restrictive Legends or Endorsements ................................................................................................................................................................................................................................4 Payment Order of Items ......................................................................................................................................................................................................................................................4 Check Processing ...............................................................................................................................................................................................................................................................4 Check Cashing ....................................................................................................................................................................................................................................................................4 Truncation, Substitute Checks, and Other Check Images ..................................................................................................................................................................................................4 Facsimile Signatures ...........................................................................................................................................................................................................................................................4 Remotely Created Checks ..................................................................................................................................................................................................................................................4 Unlawful Internet Gambling Notice ......................................................................................................................................................................................................................................4 Commercial Membership Agreement ..................................................................................................................................................................................................................................4 Claim of Loss ......................................................................................................................................................................................................................................................................4 Early Withdrawal Penalties .................................................................................................................................................................................................................................................4 Address or Name Changes .................................................................................................................................................................................................................................................4 Waiver of Notices ................................................................................................................................................................................................................................................................4 Funds Transfers ..................................................................................................................................................................................................................................................................4 Pledges ...............................................................................................................................................................................................................................................................................5 Power of Attorney ................................................................................................................................................................................................................................................................5 Stale-Dated Checks ............................................................................................................................................................................................................................................................5 NCUA Insurance .................................................................................................................................................................................................................................................................5 Endorsements .....................................................................................................................................................................................................................................................................5 Unclaimed Property .............................................................................................................................................................................................................................................................6