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<br /> GENERAL PROVISIONS-The following printed terms,and those on any separate agreements and disclosures(the terms and conditions of which have been incorporated herein',
<br /> will govern the operation of this account, unless clearly varied in writing or typing. "We,""our,"or"us"means the depository institution and"you'means the Depositor,or each
<br /> Depositor,if more than one. This agreement includes your promise to pay the charges as shown on the Schedule of Fees and Charges and your permission for us to deduct these
<br /> charges,as we earn them,directly from the account balance. You also agree to pay any additional reasonable charges we may impose for services you request which are not
<br /> contemplated by this agreement. Each of you agrees to be jointly and severally liable for any account deficit resulting from charges or overdrafts,together with the costs we incur to
<br /> collect the deficit Including,to the extent permitted by law, our reasonable attorneys'fees. We will not be liable for dishonor of your checks or other items resulting from our
<br /> deduction of any such charges and,to the extent permitted by law, collection costs and reasonable attorneys'fees. This agreement is governed by state and federal l9w and
<br /> regulation and applicable clearinghouse rules,except to the extent that this agreement can and does vary such rules or law.
<br /> OWNERSHIP OF ACCOUNT-The following provisions explain the rules applicable to this account depending on the form of ownership specified on the reverse side. Only the
<br /> portion corresponding to the form of ownership specified will apply. Individual Account-This account is owned by one person who does not create any rights to the account In any
<br /> other person. Sole Proprietorship-This account is owned by one or more persons doing business(d/b/a)under a trade or assumed name. Only the account owner may transfer
<br /> or withdraw funds from this account unless s/he/they authorize(s)another in writing to transact on the account. Partnerships, Corporations, Limited Liability Companies,
<br /> •Government Units,and other Organizations-This account Is owned by the named legal entity,which acts through its authorized representatives. Every person signing on the
<br /> reverse represents and warrants that s/he is fully authorized to execute this Agreement in the capacity indicated. The governing body of the legal entity shall provide us with an
<br /> authorization, in a form acceptable to us, telling us who is authorized to act in its behalf. We may require a separate authorization for each account, or we may rely on one
<br /> authorization for all accounts owned by the legal entity. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal
<br /> entity. We are not responsible for any transaction conducted by a previously authorized representative if we have not actually received written notice from the governing body of the
<br /> legal entity that the representative is no longer authorized to transact on its behalf.
<br /> DEPOSITS-In receiving items for deposit or collection,we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. We are not liable
<br /> for default or negligence of our duly selected correspondents,nor for losses in transit,and each correspondent is not liable except for its own negligence. My items accepted for
<br /> deposit(including items drawn"on us")will be given provisional credit only until collection is final and in U.S.dollars. We are not responsible for any transactions (Inclulling any
<br /> deposits made at an outside depository)until we actually record them. You agree to assume liability for any indorsement that violates the standards prescribed by Federal law or
<br /> regulation.
<br /> WITHDRAWALS-Unless otherwise indicated on the reverse side,any one of you who signs this Agreement,as a Depositor or otherwise,may withdraw or transfer all or any part of
<br /> the account balance at any time on forms approved by us. Each of you authorizes each other person signing this Agreement to indorse any item payable to you or your Order for
<br /> deposit to this account or any other transaction with us,until we receive actual notice to the contrary. A check that will overdraw the available account balance will trigger a service
<br /> charge,whether we pay the Item or dishonor it. We may,at our option and in lieu of other charges In connection with an overdraft,charge interest on the overdraft at a rate not to
<br /> exceed the maximum legal rate until paid. You agree,Immediately upon notice from us,to deposit funds sufficient to cover any overdraft plus service charges. In connection with
<br /> overdrafts,our determination of the account balance may be made at any time between presentment and our midnight deadline,and will only be made once. The fact that we may
<br /> honor withdrawal requests which overdraw the available account balance does not obligate us to do so. We will not be obligated to honor such requests unless required by law or
<br /> by another agreement we have with you. We reserve the right to disregard any information on the check other than the drawer's signature,the payee, the amount, and any
<br /> magnetically-encoded information at the bottom of the check. Unless previously agreed to by us in writing,we will not be liable for payment of any post-dated item or for payment of
<br /> any item bearing on its face any conditional statement or restriction such as"Void after 90 days","Void over$100","Paid in full",or"Two signatures required'. If we pay any such
<br /> item,we may charge the full amount of that item to your account. We may refuse any withdrawal or transfer request which is for an amount less than any minimum wlhdrawal
<br /> requirement or which exceeds any frequency limitation. If you fail to observe these stated account limitations, we may close this account. We will use the date a transaction is
<br /> completed by us(and not the day you initiate it)to apply the frequency limitations. On interest-bearing accounts other than time deposits,we reserve the right to require at least
<br /> seven days'written notice before any withdrawal or transfer. Withdrawals from a time deposit prior to maturity or pnor to the expiration of any notice period may be restricted or
<br /> prohibited and,if consented to by us,may be subject to a substantial penalty.
<br /> ACCOUNT TERMS,AMENDMENTS,AND TERMINATION-This account is subject to charges,interest rates,and minimum balance requirements established from time to time by
<br /> us. We may change such applicable charges,interest rates,and minimum balance requirements,and any other account terms,at any time,after such notice,if any,as is required
<br /> by law, or if there Is no specific requirement of law,then after reasonable notice. Notice from us to any one of you is notice to all of you. This account relationship may be
<br /> terminated by us at any time and without previous notice by mailing notice thereof and a check for the account balance,if any,to you at your address as shown on our records on
<br /> the date mailed. This account may not be transferred or assigned without our written consent.
<br /> FACSIMILE SIGNATURES-If authorized("Yes"on reverse)the Bank may honor as genuine and authorized instruments of depositor any and all checks,drafts,or other orders for
<br /> the payment of money drawn in the name of Depositor and signed on its behalf with an authorized facsimile signature. Depositor assumes full responsibility for any and all
<br /> payments made by the Bank in reliance upon the facsimile signature(s)and shall indemnify and hold the Bank harmless against any loss,damage or liability suffered or incurred by
<br /> the Bank arising out of the misuse or unauthorized use by any person of any facsimile signature.
<br /> STOP PAYMENTS-My one of you can order us to stop payment on a check drawn on your account. In order to place a stop payment order,you must inform us of the exact
<br /> amount of the check,the number of the check,the number of the account and the name of the payee;otherwise,we may not catch your stop order. We will not be responsible if the
<br /> check in question is not described with reasonable certainty,and we are entitled to a reasonable period of time after you give us a stop order to notify our employees Oral stop
<br /> payment requests are effective for fourteen(14)days unless confirmed by written order;written stop payment orders are effective for six(6)months and may be renewed. There is a
<br /> charge for each stop payment request. You agree to hold us harmless for all liability, expense,and cost we incur because we refuse to pay the check,except for our failure to
<br /> exercise ordinary care. If we recredit your account after paying a check over a valid and timely stop order,you agree to sign a statement describing the dispute with the payee,to
<br /> transfer to us all of your rights against the payee or other holder of the check,and to assist us in legal action taken against that person. No stop payment orders are allowed on
<br /> cashier's checks,teller's checks,or certified checks,except as provided or required by law.
<br /> STATEMENTS -If periodic statements are generated for this account,such statements will be mailed to you at the address shown on our records unless you otherwise initruct us.
<br /> Examine your statement carefully upon receipt and reconcile your account. Notify us promptly of any error or unauthorized signature or alteration. If you do not notify its of an
<br /> unauthorized signature or alteration promptly,you cannot assert the unauthorized signature or alteration against us if we suffered a loss by reason of your failure to do so. If you do
<br /> not notify us of an unauthorized signature or alteration within a reasonable time(not to exceed___10 calendar days)after we send or make available to you your statement and(if
<br /> applicable)accompanying Items,you cannot assert any unauthorized signatures or alterations by the same wrongdoer on any items paid by us after the reasonable time mentioned
<br /> above elapses,but before we receive notice from you.
<br /> DIRECT DEPOSITS-If we deposit any amount in this account which should have been returned to the State or Federal Government for any reason,you authorize us to deduct the
<br /> amount of our liability to the State or Federal Government from tills account or from any other account you;lave with us,without prior notice and at any bald,except as prohibited by
<br /> law. We may also use any other legal remedy to recover the amount of our liability.
<br /> SET-OFF-By signing this form,for value received,you each grant to us a security interest in the account and in addition agree that we have the right(without prior notice and when
<br /> permitted by law)to set-off the funds in this account against any due and payable indebtedness owed to us now or in the future by any of you,either individually or jointly. We may
<br /> set-off any debt owed to us by any one or more of you without regard to the ownership or source of the funds in the account and without requirement that the debt be owed to us by
<br /> all of you rather than only some of you. This right of set-off does not apply to this account to the extent restricted or prohibited by law or contract. You agree to hold us harmless
<br /> from any claim arising from exercise of our right of setoff.
<br /> DORMANT ACCOUNTS-We may,after a reasonable period of inactivity,consider your account dormant. Dormant accounts ❑ do E do not earn interest,and will be subject
<br /> to such maintenance and service charges as may be shown on the Schedule of Fees and Charges. We 0 will O will not mail periodic statements for dormant accounts. We
<br /> may define dormancy differently than as defined by applicable state law.
<br /> ADDITIONAL TERMS- .
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<br /> PFUN107 0 FormAtion Technologies,Inc. (7/21/93) (800)937-3799
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