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NOTICE OF CHANGE TO THE TERMS AND CONDITIONS OF YOUR ACCOUNT
<br /> The Terms and Conditions changes are effective November 1,2020— --
<br /> Important changes to the terms and conditions of your account-This is a notice of changes to the Terms and Conditions of your account with us.Your account(s)shall be
<br /> governed by the following terms and conditions Continued use of your account(s)after receipt of these terms and conditions constitutes acceptance of,and agreement to,the terms
<br /> and conditions. The following sections have changes you should review: WITHDRAWALS, STOP PAYMENTS, STATEMENTS, ACCOUNT SECURITY AND TERMS AND
<br /> CONDITIONS OVERDRAFT ADDENDUM
<br /> Important information about your consent-As a reminder, if you consented (opted-in) to our authorizing and paying overdrafts on your ATM and one-time debit card
<br /> transactions,you have the right to revoke such consent at any time by contacting us through any reasonable means
<br /> IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT-To help the government fight the funding of terrorism and money laundering activities,
<br /> federal law requires all financial institutions to obtain,verify,and record Information that Identifies each person who opens an account.
<br /> What this means for you:When you open an account,we will ask for your name,address,date of birth,and other Information that will allow us to Identify you We may also ask to
<br /> see your driver's license or other identifying documents
<br /> AGREEMENT-This document,along with any other documents we give you pertaining to your account(s),is a contract that establishes rules which control your account(s)with us
<br /> Please read this carefully and retain it for future reference If you sign the signature card or open or continue to use the account, you agree to these rules You will receive a
<br /> separate schedule of rates,qualifying balances,and fees if they are not included in this document If you have any questions,please call us.
<br /> This agreement is subject to applicable federal laws,the laws of the state of the branch in which your account is located and other applicable rules such as the operating letters of
<br /> the Federal Reserve Banks and payment processing system rules(except to the extent that this agreement can and does vary such rules or laws) The body of state and federal
<br /> law that governs our relationship with you,however,is too large and complex to be reproduced here.The purpose of this document is to
<br /> (1) summarize some laws that apply to common transactions,
<br /> (2) establish rules to cover transactions or events which the law does not regulate;
<br /> (3) establish rules for certain transactions or events which the law regulates but permits variation by agreement,and
<br /> (4) give you disclosures of some of our policies to which you may be entitled or in which you may be interested.
<br /> If any provision of this document is found to be unenforceable according to its terms,all remaining provisions will continue in full force and effect.We may permit some variations
<br /> from our standard agreement,but we must agree to any variation in writing either on the signature card for your account or in some other document.Nothing in this document is
<br /> Intended to vary our duty to act in good faith and with ordinary care when required by law.
<br /> As used in this document the words"we,""our,"and"us"mean the financial institution and the words"you"and'your'mean the account holder(s)and anyone else with the authority
<br /> to deposit, withdraw, or exercise control over the funds in the account. However,this agreement does not Intend, and the terms"you"and "your'should not be interpreted,to
<br /> expand an individual'y responsibility for an organization's liability.If this account is owned by a corporation,partnership or other organization,individual liability is determined by the
<br /> laws generally applicable to that type of organization The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions
<br /> Unless it would be inconsistent to do so,words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.
<br /> "Party"means a person who,by the terms of an account,has a present right,subject to request,to payment from the account other than as a beneficiary or agent
<br /> Throughout this document,when a provision is identified as being applicable to a certain state(for example,"in Texas"),it means that the provision is only applicable if your account
<br /> is held at a branch located in that particular state.Any provision which is not described as applying to a particular state,applies to your account.
<br /> LIABILITY-You agree,for yourself(and the person or entity you represent if you sign as a representative of another)to the terms of this account and the schedule of charges.You
<br /> authorize us to deduct these charges,without notice to you,directly from the account balance as accrued.You will pay any additional reasonable charges for services you request
<br /> which are not covered by this agreement.
<br /> Each of you also agrees to be jointly and severally(individually)liable for any account shortage resulting from charges or overdrafts,whether caused by you or another with access
<br /> to this account This liability is due immediately,and we can deduct any amounts deposited into the account and apply those amounts to the shortage.You have no right to defer
<br /> payment of this liability,and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.
<br /> You will be liable for our costs as well as for our reasonable attorneys'fees,to the extent permitted by law,whether incurred as a result of collection or in any other dispute Involving
<br /> your account This includes,but is not limited to,disputes between you and another joint owner,you and an authorized signer or similar party,or a third party claiming an interest in
<br /> your account.This also includes any action that you or a third party takes regarding the account that causes us,in good faith,to seek the advice of an attorney,whether or not we
<br /> become involved in the dispute.All costs and attorneys'fees can be deducted from your account when they are incurred,without notice to you.
<br /> DEPOSITS-We will give only provisional credit until collection is final for any Items,other than cash,we accept for deposit(including items drawn"on us") Before settlement of any
<br /> item becomes final,we act only as your agent,regardless of the form of indorsement or lack of indorsement on the item and even though we provide you provisional credit for the
<br /> item. We may reverse any provisional credit for items that are lost, stolen, or returned. Unless prohibited by law,we also reserve the right to charge back to your account the
<br /> amount of any item deposited to your account or cashed for you which was initially paid by the payor bank and which is later returned to us due to an allegedly forged,unauthorized
<br /> or missing indorsement, claim of alteration, encoding error, counterfeit cashier's check or other problem which in our judgment justifies reversal of credit. You authorize us to
<br /> attempt to collect previously returned items without giving you notice, and in attempting to collect we may permit the payor bank to hold an item beyond the midnight deadline
<br /> Actual credit for deposits of,or payable in,foreign currency will be at the exchange rate in effect on final collection in U S.dollars.We are not responsible for transactions by mail or
<br /> outside depository until we actually record them We will treat and record all transactions received after our"daily cutoff time"on a business day we are open,or received on a day
<br /> we are not open for business,as if Initiated on the next business day that we are open.At our option,we may take an item for collection rather than for deposit If we accept a third-
<br /> party check or draft for deposit,we may require any third-party indorsers to verify or guarantee their indorsements,or indorse in our presence.
<br /> WITHDRAWALS-
<br /> Generally-Unless clearly indicated otherwise on the account records,any of you,acting alone,who signs to open the account or has authority to make withdrawals may withdraw
<br /> or transfer all or any part of the account balance at any time Each of you(until we receive written notice to the contrary)authorizes each other person who signs or has authority to
<br /> make withdrawals to indorse any item payable to you or your order for deposit to this account or any other transaction with us
<br /> Postdated checks-A postdated check is one which bears a date later than the date on which the check is written.We may properly pay and charge your account for a postdated
<br /> check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act
<br /> Because we process checks mechanically,your notice will not be effective and we will not be liable for failing to honor your notice unless it precisely identifies the number,date,
<br /> amount and payee of the item.
<br /> Checks and withdrawal rules- If you do not purchase your check blanks from us, you must be certain that we approve the check blanks you purchase We may refuse any
<br /> withdrawal or transfer request which you attempt on forms not approved by us or by any method we do not specifically permit We may refuse any withdrawal or transfer request
<br /> which is greater in number than the frequency permitted,or which is for an amount greater or less than any withdrawal limitations We will use the date the transaction is completed
<br /> by us(as opposed to the date you initiate it)to apply the frequency limitations.In addition,we may place limitations on the account until your identity is verified
<br /> Even if we honor a nonconforming request,we are not required to do so later If you violate the stated transaction limitations(if any),in our discretion we may close your account or
<br /> reclassify it as a transaction account.If we reclassify your account,your account will be subject to the fees and earnings rules of the new account classification
<br /> If we are presented with an item drawn against your account that would be a"substitute check,"as defined by law,but for an error or defect in the item introduced in the substitute
<br /> check creation process,you agree that we may pay such item
<br /> Cash withdrawals-We recommend you take care when making large cash withdrawals because carrying large amounts of cash may pose a danger to your personal safety As an
<br /> alternative to making a large cash withdrawal,you may want to consider a cashier's check or similar instrument You assume full responsibility of any loss in the event the cash you
<br /> withdraw is lost,stolen,or destroyed You agree to hold us harmless from any loss you incur as a result of your decision to withdraw funds in the form of cash
<br /> Multiple signatures, electronic check conversion, and similar transactions-An electronic check conversion transaction is a transaction where a check or similar item is
<br /> converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation. In these types of transactions the check or similar item is either removed from
<br /> circulation(truncated)or given back to you.As a result,we have no opportunity to review the signatures or otherwise examine the original check or item.You agree that,as to these
<br /> or any items as to which we have no opportunity to examine the signatures,you waive any requirement of multiple signatures.
<br /> Notice of withdrawal-We reserve the right to require not less than 7 days'notice in writing before each withdrawal from an interest-bearing account other than a time deposit or
<br /> demand deposit,or from any other savings account as defined by Regulation D (The law requires us to reserve this right,but it is not our general policy to use it.)Withdrawals from
<br /> a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.See your notice of penalty for early withdrawal
<br /> In Texas,UNIFORM SINGLE-PARTY OR MULTIPLE-PARTY ACCOUNT SELECTION FORM NOTICE-The type of account you select may determine how property passes on
<br /> your death Your will may not control the disposition of funds held in some of the following accounts.You may choose to designate one or more convenience signers on an account,
<br /> even if the account is not a convenience account A designated convenience signer may make transactions on your behalf during your lifetime,but does not own the account during
<br /> your lifetime The designated convenience signer owns the account on your death only if the convenience signer is also designated as a P O D payee or trust account beneficiary.
<br /> Single-Party Account Without"P.O.D."(Payable On Death)Designation-The party to the account owns the account. On the death of the party, ownership of the account
<br /> passes as a part of the party's estate under the party's will or by intestacy.
<br /> Single-Party Account With"P.O.D."(Payable On Death)Designation-The party to the account owns the account.On the death of the party,ownership of the account passes
<br /> to the P.O D.beneficiaries of the account.The account is not a part of the party's estate.
<br /> ©2019 Wolters Kluwer Financial Services,Inc All rights reserved
<br /> TC-BRO-CN 8/1/2019 TCM-53ac 201600423-010 Page 1 of 5
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