DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE August 1, 2021 DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE Table of Contents GENERAL PROVISIONS – Part I.................................................................................................................................................... 5 1. Legal Effect of Provisions in this Disclosure. .................................................................................................................... 5 2. Effect of State and Federal Laws and Regulations ............................................................................................................ 5 3. Plain Language.............................................................................................................................................................. 5 4. Identification Notice (USA Patriot Act) ............................................................................................................................ 5 5. Taxpayer Identification Number (TIN) and Backup Withholding ........................................................................................ 5 6. Address ........................................................................................................................................................................ 5 TYPES OF ACCOUNTS – Part II .................................................................................................................................................... 5 7. Checking Accounts ........................................................................................................................................................ 5 8. Savings and Money Market Accounts .............................................................................................................................. 5 9. Time Deposits ............................................................................................................................................................... 5 10. Negotiable Order of Withdrawal (NOW) Accounts ....................................................................................................... 6 11. Individual Account .................................................................................................................................................... 6 12. Joint Account ............................................................................................................................................................ 6 13. Ownership of Joint Accounts During Lifetime .............................................................................................................. 6 14. Ownership of Joint Accounts upon Death ................................................................................................................... 6 15. Community Property Accounts ................................................................................................................................... 6 16. In Trust for (ITF) and Payable on Death (POD) Accounts ............................................................................................ 6 17. Alaska Uniform Transfer to Minors Act (UTMA) ........................................................................................................... 7 18. Sole Proprietorship .................................................................................................................................................... 7 19. Entity Accounts Generally .......................................................................................................................................... 7 20. Partnership Account .................................................................................................................................................. 7 21. Corporate/Association/Limited Liability Company Account............................................................................................ 7 22. Trusts ...................................................................................................................................................................... 7 23. Revocable Trust ........................................................................................................................................................ 7 24. Irrevocable Trust ...................................................................................................................................................... 7 25. Estate Account ......................................................................................................................................................... 7 26. Guardian/Conservatorship Account ............................................................................................................................ 7 27. Representative Payee Account ................................................................................................................................... 8 28. Interest on Lawyer’s Trust Account (IOLTA) ............................................................................................................... 8 29. Deposit Reclassification ............................................................................................................................................. 8 30. Dormant Accounts .................................................................................................................................................... 8 31. Account Conversions ................................................................................................................................................. 8 32. Transfer or Change of Ownership .............................................................................................................................. 8 33. Closing of Accounts ................................................................................................................................................... 8 34. Internet Gambling .................................................................................................................................................... 8 35. Federal Deposit Insurance ......................................................................................................................................... 8 GENERAL RULES GOVERNING DEPOSIT ACCOUNTS – Part IV ....................................................................................................... 9 36. General Deposit Account Provisions ........................................................................................................................... 9 37. Payment of Interest .................................................................................................................................................. 9 38. Interest Compounding .............................................................................................................................................. 9 39. Annual Percentage Yield (APY). ................................................................................................................................. 9 40. Deposits ................................................................................................................................................................... 9 41. Direct Deposits or Withdrawals .................................................................................................................................. 9 Page 2 of 29 491.53 Deposit Account Agreement Disclosure – Revision Date: 8/1/2021 DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE 42. Night Depository Service ........................................................................................................................................... 9 43. Items ..................................................................................................................................................................... 10 44. Collection of Items .................................................................................................................................................. 10 45. Non-U.S. Dollar Items ............................................................................................................................................. 10 46. Endorsements ........................................................................................................................................................ 10 47. Endorsement Standards .......................................................................................................................................... 10 48. Inability to Provide Legible Endorsements ................................................................................................................ 10 49. Cash Back on Deposits ............................................................................................................................................ 10 50. Chargeback After Settlement ................................................................................................................................... 10 51. Cashing Items ........................................................................................................................................................ 10 52. Withdrawal Rules .................................................................................................................................................... 10 53. Withdrawal Restrictions ..........................................................................................................................................