2004-01-12_REVISION - M1985029 (2)

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'this form contains the terms of our agreement with you. 'These terms cannot be varied orally. Handwritten and typewritten terms are presumed to be consistent with printed terms, but will control if dearly intended to vary [he printed terms. DBFINITIONS: "We" means this furandal uutilution. ' "Yon" means the depositor(s). "CertlBcale" means both this original instrument as well as the deposit it evidences. "'fnmfee" means any change in: ownership, withdrawal rights, or survivorship rights, including (but not 1"vnited to) a pledge of this certifcate as security for any obligation. PRIfdAB4 AGBBBMENT: You agree to keep your Cunds wish us in this acrounl until the maturity date. (An automatically renewable certificate matures at reguWr intervals.) You may not transfer this certificate without fast obtaining our written consent. You must present this certificate when you request a withdrawal or a vansfer. This <ertificete is void if the deposit is made by any method requiring collection (such as a check) and the deposit is not vnmediat¢1y collected in fuD. If the deposit is made oc payable in a foreign currency, the amount oC the deposit will be adjusted to reflect final exchange into U.S. dollars. No additional deposits to this certificate aze pemdtted during a term. Chef addressulisted one the oth¢~side o~this form~Youumusst no'fy usIlof any change tt to WiTHDRAWliLS AND TBANSFBRS: Orrly those of you who sign the permanent signature card may writhdraw funds from this account. (In appropriate cases, a court appointed representative, a benefidary of a tnsst or spay-on-death aceount whose tight of withdrawal has matured, or a newly appointed and authorized representative of a legal entity may also withdraw from this acwunt.) The specific number of you who must agree to any withdrawal is written on the reverse side in the section bearing the title "...Number oC Endorsemenss ...-. This means, for example. that U two of you sign the signature cazd but only one endorsement is necessary for withdrawal. then either of you may request withdrawal of the entire account at any rune. These same Hiles apply to define the names and the number ofyou who can request our consent to a Vans(er. - pLEDG&S: Any pledge of this certificate (to which we have agreed), must first be satisfied before the rghss of any joint account survivor, pay-on-death benefidary or trust account benefidary become effective. For example, ff one joint tenant pledges the certificate for payment of a debt and then dies, the surviving joint tenant's rights in this certifmte are subject first to the payment of the debt. ACCOIINT T4PB5: The foIlowing paragraphs explain how the various types of accounts listed on the reverse side of this form operate. Only the paragraph cortespondfng to the account type selected wig apply. IadMdaat Acwmt -Such an account 6 issued to one person who does not intend (merely by opening this account) to create any survivorship rights in any other person. joint Accomt-With 3orvtvonLip - Such an account is issued in the name of two or more persons. Each ofyou intend that upon your death the balance in the account (subject to any previous pledge to which we have consented) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship until You inform us of a flange in ownership or dose this account. Mu111p1e Depodton-No Barvlvonhip • Such an account ss issued to two or more persons but none ofyou intend (merely by openng this account) to Qeate any tight of svrvvorship in any other person. We encourage you to agree and tetl us m writing of the percentage of the deposit contributed by each of you. This information will not, however. affect the "number of endorsements" necessary for withdrawal. Trost Accomi - (mbfecl to Ihia form) and pay-On-Death Accomt - If two or more of you create sudt an account, you own the account jointly with survivorship. Benefidaries acquire the tight to withdraw only if (1) all persons seating the account die. and (2) the b¢nefidary h then living. ]f two or more benetitlaries are named and survive the death of all persons creating the account, such benefidaries wig own this account in equal shares, without right of survivorship. The person(s) creating either of these account types reserves the right to: (1) change beneficiaries; (2) change account types; and (3) Jithdraw all or part of the deposit at any time. ; 7ros/ Accoum Ba6ject to $epante Agreement • We will abide by the terms of any separate agreement which deazly p2rt3ins-'.tq this certificate and which you fde with us. Any additional consistent terms stated on this form will also apply. Nm-Penonat Arrovnt • Such an account is issued in the name o[ a tegat entity such as a corporation We reserve the tight to requue the governing body of the legal entity to $rve us a separate authorzation te0ing us who ss authorized to act on iss behalf We wig honor such an authorization until we actually reserve written notice of a change from the govemutg body. SBT-OPP: Fech of you who has the right to withdraw from this account agrees that we may set-oft any debt you owe us now or later against the amount of money you could withdraw Crom this account. For example, if any one of three ofyou can withdraw all the money from this account, then the debt of any one ofyou can be set-offagainst the balance in this account (even though the others are not obligated on the debt). We may exerdse this right of set-off, without notice to you, any time your debt is in default. Under rennin conditions, we will not ezerdse ttus right of sat-off. For example: (1) if this certificate is par[ of an LR.A. account or a qualified reCVement plan, (2) tt the debt arises from a consumer redit transaction under a credit card plan, (3) if your debt is personal and you[ right of withdrawal arises solely in a representative capadty (or vice versa), or (4) it such exerase is expressly prohibited by law. However if your debt is in defaut. we reserve the right to exerdse anY other remedies available to us under the law or sepazate agreement. NOYICB OP pBNALTY FOB aaAi4 WITHDBAWAL Except as mentioned below, you cannot withdraw anY prindpal Crom this account before a maturity date without our consent and we wig charge a penalty. We can only consent to an early withdrawal at the time You request it. Por m account with a term of 31 days or less, the peaatly wtB ba the gnatot of: (I) aD of the Interest earned m the amoral wlthdnwn from the most ncmt date of deposit or last renewal, (3) aD the interest that could Lave been earned m the amour/ collhdrewa daring a peetod egaat to one-half of Ih< matoHty peAod, or (3) scum dayi latenst oa the amomt withdrawn. Pm m sccomt wtth m original term of more than 31 days and ap to and Iadadiag one year, We penalty will be one montL'a Intsreat m th< amount adthdrawn. For m accoaat with m origtaet term of mon than me ytar, the penalty w91 be /hree months' Interest oa the amomt widrdrawn. We will use the nominal (simple interest) rate in eRed to cakv(ate the penalty. We wig charge the penalty first against any interest then in the account. and any excess wig be deducted from the amount You withdraw. Minimum Balance Ac<oaaL If we require a minimum balance on this account, we may treat anyvAthdrawal that reduces thebalance below such minimum as a withdrawal of the entire balance and cakvlate the penalty accordingly. BBCEFTIONS: W< are Permitted to allow m carry withdrawal and waive the above penalty N: (1) any aceomt owner disc or W Qeelm+d tneompetea/, or (3) tLb 4 m I.BA or R<ogh aecomt and qm an et Ieaat 59rh peen of age or dWb1<d at the time of the wlthdnwat rega<st, or (3) thin is m I.R.A or Aeogh aceomt and the request for wNh adrswal~ma~daD wllhta seven days of aatabBaWng the auomt. (Thu peaalh( be aD intern earned oa We amomt wfehdnwa.) FORM COMB. C0.5C BACKBIOt ntviawn Sri c u~~o"