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DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE Page 5 <br />(Continued) <br />MISCELLANEOUS PROVISIONS. If you or your Account becomes involved in any legal proceedings, your use of the Account may be restricted. We <br />shall be entitled to act upon any legal process served upon us which we reasonably believe to be binding, with no liability to you for doing so. You <br />understand that supervisory personnel may randomly monitor customer service telephone conversations to ensure that you receive accurate, <br />courteous, and fair treatment. If you ask us to follow instructions that we believe might expose us to any claim, liability, or damages, we may refuse to <br />follow your instructions or may require a bond or other protection, including your agreement to indemnify us. You agree to be liable to us, to the extent <br />permitted by law, for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding involving your Account. You <br />authorize us to deduct any such loss, costs, or expenses from your Account without prior notice to you or to bill you separately. This obligation includes <br />disputes between you and us involving your Account and situations where we become involved in disputes between you and an authorized signer, a <br />joint owner, or a third party claiming an interest in your Account. It also includes situations where any action taken on your Account by you, an <br />authorized signer, a joint owner, or a third party causes us to seek the advice of an attorney, whether or not we actually become involved in a dispute. <br />Any action by us for reimbursement from you for any costs or expenses may also be made against your estate, heirs and legal representatives, who <br />shall be liable for any claims made against and expenses incurred by us. If a court finds any provision of the Agreement to be invalid or unenforceable, <br />such finding shall not make the rest of the Agreement invalid or unenforceable. If feasible, any such offending provision shall be deemed to be <br />modified to be within the limits of enforceability or validity; however, if the offending provisions cannot be so modified, it shall be stricken and all other <br />provisions of the Agreement in all other respects shall remain valid and enforceable. <br />DEPOSIT PRO, R.Q. U.8 P.I. 6 T.M. OFF., V.. 6,0M (e) 1000 CFI ProSmkm, I— NI RlghW Ree d. CO. O1CFhTIS O1 <br />