2004-01-12_REVISION - M1985029 (3)

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'this farm contains the teems 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 the printed [enns. DBPWITIONS: "We" means this finandal institution. ~ ~ ~ - '7ov" means the depositor(s)., "CertlDute" means both this original instmment as well as the deposit it evidences. "Transfer" means any change in: ownership. withdrawal rights, or survivorship rights, including (but not limited to) a pledge of [his certificate as security for any ob-gation. PRIMARp AGREEMENT: You agree to keep your funds with us m this account until the maturity date. (An automatically renewable cenificate matures at regular intervals) You may not transfer this certificate without lust obtaining our written consent You must present this certificate when you request a withdrawal or a transfer. 'This certificate is void if the deposit is made by any method requiring collection (such as a check) and the deposit is not immediately collected N full. [(the deposit is made or payable in a foreign cunency. the amount of the deposit will be adjusted to reflect final exchange into U.S. dollars. No additional deposits to this certificate are pemtitted during a term. If arty notice is necessary, you all agree that the notice will be sul-dent if we mail it to the address -sted on the oher side of this forth. You must notify us of any change. WITHDRAWALS AND TRANSF8R5: Only those of you who sign the permanent signature card may withdraw funds from this account (In appropriate cases, a court appointed represenmt[ve. a benefidary oCa [rrrs[ or a pay-on-death account whose right ofwithdrawal has matured, or a newly appointed and authorized represenmWe oC a Iega1 entity may afro withdraw Crom this account) The speafic number of you who must agree to any withdrawal is written on the reverse side in the section bearing the title "...Number of Endorsements ...". This means. Cor example, that if two of you sign the signature card but onty one endorsement is necessary for withdrawal, then either of you may request withdrawal of the entire account at arty time. These same Hiles apply to define the names and the number ofyou who can request our consent to a transfer. PLEDGES: Any pledge of Kris ceni-rate (to which we have agreed), must first be satisfied before the rights of any joint account survivor, pay-on-death bane-aary, or cast account ban¢-dary become effective. For example, - one joint tenant pledges the certificate Cor payment of a debt and then dies, the survivurg joint tenant's rights th this tertifica[e are subject lust to~the payment of the debt. ACCOUNT TYP85: The fo-owtng paragraphs explain how the various types of accounts listed on the reverse side o(thts form operate. Only the paragraph corresponding to the account type selected wW apply. Iadivhlnal Auomt • Such an attount is issued to one person who does not intend (merely by opening this accounU to create any survivorship rights in any other person. Jobt Accomt-With Svrvivonhlp - Such an account is issued in the name oC two or more persons. Each ofyou intend that upon your death the balance m the account (subject to any previous pledge to which we have consented) will belong to the survivor(s). I(two or more of you survive, you will own th¢ balance th the account as joint tenants vrith survivorship unfit you Worm us of a change N ownership or dose this actounl. Mnlttpte Depodton-No Sarahronhip- Such an account is issued to two or more persons but none ofyou intend (merely by opeNng this account) to create any right of survivorship N any other person. We encourage you to agree and tell vs m vmYing of th¢ percen[ag¢ of the deposit rontributed by each ofyou. This information will not, however, alfed the 'number of endorsements" necessary for withdrawal. 7wt Accomt - (sab)em to this form) and Pap-On-Death Auomt • If two or more oC you create such an account, you own the account joindy with survivorship. Benefidaries acquve the right to withdraw orily if (1) all persons creating the account die, and (2) the benefidary is then living. If two or more benefidaries are named and survive the death of aII persons creating the account, such bane-danes will own this account th equal shares, without right of survivorship. Th¢ person(s) nearing either of these account types reserves the right to: (1) change beneficiaries; (2) change account types; and (3) ~Nithdraw all or pan of the deposit at any Gme. Treat AuouM SvhJecl to Sepanle Agreement - We will abide 6y the terms of any separate agreement which dearly p¢r{3k)s aq this certiRcate and which you ftle with vs. Any additional consistent terms stated on this Corm w-I also apply. Nm-Penoml Aeeovm - Such an account is iuued N the name of a legal entity such as a corporation. We reserve the right to require the governing body of the legal entity to give us a s¢pamte authorization telling us who is authoraed [o act on its behalf We vri- honor loth an authorization rmtil we actually receive written notire of a change from the govemmg body. 581'-OPP: Each of you who has the right to withdraw from this account agrees that we may set-oR any debt you owe us now or later against the amount of money you coWd withdraw Crom this account. For example, if any one of three of you can withdraw all the money Crom this account, then the debt of any one ofyou can beset-ofCagainst the balance rn this account (even though the others are not ob-gat¢d on the debt). We may exerdse this right of set-olf, without notice to you, any time your debt is in default. Under certain conditions, we will not exerdse this right of set-oti. For example: (1) if this certificate is part of an LR.A. account or a quailed retirement plan, (2) R the debt arises from a consumer credit transaction under a nadir card plan, (3) tf your debt is personal and your right of withdrawal arises solely N a representative capadty (or vice versa), or (4) fC such exerdse is expressly prohibited by law. However, if your debt is in default, we reserve the right to exerdse any other remedies available to us under the law or separate agreement. NOTICE OP p8NAL14 POR BARLp WITHDRAWAL Except as mentioned below, you cannot withdraw any prindpal from this account before a mamriry date without our consent and we will chazge a penalty. We can only consent to an early withdrawal at the time you request it. Por as account with a teem oP 31 days oe less, the penally will tie the greatiat of: (1) aD of the interest earned on the amomt wlthdnwn from the moat recent date of depoatt of bat renewer, (3) aD the taterest that coaid have bem vaned as We amomt wlthdnwa daHag a peAOd egaai to ooe-help of the matmily period, or (3) seam days' interest oa We amomt wlthdnwn. Poe en aceoml with an orlgiml term of coon Ihaa 31 days and rep to and lnctading one peer, the peaatly wlli be one month's hrteresl oa the amoral withdrawn. Por an eccomt wleh av orlgiaal teem of coon Than one year, the penalty rHD be three mouths' referent m the amomt wlfhdnwn. We will use the nominal (svnpte interest) rate N effect to calculate the penalty. We will charge the penalty first against any interest then in th¢ account, and any excess rviU be deducted from the amount you withdraw. Mlnimam Sa[aace Acramt: If we require a mtnfmum balance on this account. we may treat anywithdmwai that reduces the balance below suchminimum as a withdrawal of the entire balance and calculate the penalty accordingly. ERCBP'IIONS: We are permNled to aDow ao pt7q withdrawd sad wales Iha above penalty U: (1) nay accomt owner dtza or b declared incompetent, or (3) fhb b as I.RA or Aeogh account end pm are at least 59rh yearn of age or dbahled at the time of the wlthdrewal request, or (3) this is m I.R.A. or Reogh accomt and the regnant for wlthdrewai b made telthla seem days of eata6RaWng the accomt. (The penalty fn sack rase wtll tie aD reforest suned oa the amomt withdnwa.) FORM COMB. CDSC BACKSIDE REVISION DATE 1/25/89