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DEFINITIONS: "We," "our,' and "us" mean the issuer of this account
<br />and "you" and "your" mean [Ile depositor(s). "Account" means the
<br />original certificate of deposit as well as the deposit it evidences. "Party"
<br />means a person who by the terms of the account, has a present right,
<br />subject m request, to paymem from amultiple-party account.
<br />TRANSFER: "Transfer" means any change in ownership, withdrawal
<br />rights, or survivorship rights, including (but not limited m) any pledge or
<br />assignment of [his account as collateral. You cannot transfer this accoum
<br />without our written consem.
<br />PRIMARY AGREEMENT: You agree m keep your funds with us in this
<br />account unlit the maturity date. (An automatically renewable account
<br />matures at regular intervals J You may not transfer this accoum without
<br />firs[ obtaining our written coasem. You must present this certificate when
<br />you request a withdrawal or a transfer.
<br />This account is void if the deposit is made by any method requiring
<br />collection (such as a check) and dte deposit is no[ immediately collected in
<br />full. If the deposit is made or payable in a foreign currency, the amoum of
<br />the deposit will be adjusted to reflect final exchange inm U.S. dollars.
<br />We may change any term of this agreement. Rules governing changes
<br />reasonable notice in writing or 6y any other method permitted by law.
<br />If any notice is necessary, you all agree that the notice will be
<br />sufficiem if we mail it to the address listed on page one of this form. You
<br />must notify us of any change. _ -
<br />WITHDRAWALS AND TRANSFERS: Only those of you~who sign Ute
<br />permanent signature cazd may withdraw funds from this accoum. (In
<br />appropriate cases, a court appointed representative, abeneficiary of a
<br />trust or payon-death accoum whose right of widtdrawal bas matured, or a
<br />newly appointed and authorized representative of a legal entity may also
<br />withdraw from this account.) The specific camber of you who must agree
<br />to any withdrawal is written on page one in dte section bearing the title
<br />...Number of Endorsements .... "This means, for example, drat if
<br />two of you sign dte signature cazd but only one endorsemem is necessary
<br />for withdrawal then either of you may request withdrawal of the entire
<br />account at any time.
<br />These same Hiles apply m define dte names and the number of you
<br />who can request our consem m a transfer.
<br />PLEDGES: Any pledge of this account (to which we have agreed), must
<br />fast be satisfied before [he rights of any joint account survivor,
<br />payondeattt beneficiary or [rust account beneficiary become effective.
<br />For example, if one joint tenant pledges the account for paymem of a debt
<br />and then dies, the surviving joim tenant's rights in this accoum are subject
<br />firs[ to the paymem of the debt.
<br />OWNERSHIP OF ACCOUNT AND BENEFICIARY
<br />DESIGNATION: You intend these Hiles to apply to this accoum
<br />depending on the form of ownership and beneficiary designation, if any,
<br />specified on page 1. We make no representadoas as to the appropriateness
<br />or effect of the ownership and beneficiary designations, except as they
<br />determine [o whom we pay the account funds.
<br />Single-Party Accomt - Such an account is owned by one party.
<br />Multiple-Party Account -Parties own account in proportion to net
<br />contributions unless there is clear and convincing evidence of a differem
<br />intent.
<br />Trust Account Subject to Separate Agreement - We will abide by
<br />the terms of any separate agreement which cleazly pertains [o this
<br />certificate and which you file with us. Any additional consistent terms
<br />stated on this form will also apply.
<br />RIGHTS AT DEATH:
<br />Single-Party Acwunt - At dead[ of party, ownership passes as part of
<br />party's estate.
<br />Multiple-Party Acrnunt with Right of Survivorship - At death of
<br />party, ownership passes to surviving parties. If two or more parties
<br />survive and one is [he surviving spouse of the deceased party, the amount
<br />to which the deceased party, immediately before death, was beneficially
<br />entitled by law belongs m the surviving spouse. If two or more parties
<br />survive and none is the spouse of the decedent, the amount to which the
<br />deceased party, immediately before death, was beneficially entitled by law
<br />belongs m the surviving parties in equal shazes.
<br />MultiplaParty Account without Right of Survivorship - At death of
<br />party, deceased party's ownership passes as par[ of deceased party's
<br />estate.
<br />Single-Party Account with POD (Pay-0n-Death) Designation - A[
<br />death of parry, ownership passes to POD beneficiaries and is not part of
<br />party's estate.
<br />Multiple-Party Account with Right of Survivorship and POD
<br />(Payon-Ihath) DestgnatIon - At death of last surviving party, ownership
<br />passes to POD beneficiazies and is not part of last surviving party's estate.
<br />SET-0FF: You each agree that we may (without prior notice and when
<br />permitted by law) se[ off the funds in this account against any due and
<br />payable debt owed to us now or in the future, by any of you having the
<br />right of withdrawal, [o the extern of such person's or legal entity's right to
<br />withdraw. The amount subject to setoff is that proportion to which you
<br />aze or were immediately before your death, beneficially entitled, and in
<br />having ptesem rights of withdrawal. If the deb[ arises from a note, "any
<br />due and payable debt" includes the mtal amount of which we aze entitled
<br />to demand paymem under the terms of the note at the time we set off,
<br />including any balance--the- due date for which we properly accelerate
<br />under the note. This right of setoff does not apply to this account if: (a) it
<br />is an Individual Retirement Account or other tax-0eferred retirement
<br />account, or (b) the debt is created by a consumer credit fransaction under
<br />a credit cazd plan, or (c) dte debtor's right of withdrawal azises only in a
<br />representative capacity. You agree m hold us harmless from any claim
<br />arising as a result of our exercise of our right of setoff.
<br />BALANCE COMPUTATION METHOD: We use the daily balance
<br />method to calculate the interest on this account. This method applies a
<br />daily periodic rate [o the principal in the account each day.
<br />TRANSACTION LIMITATIONS: You cannot make additional deposits
<br />to this accoum during a term (outer than credited interest). You cannot
<br />withdraw principal from this account without our consent except on or
<br />after maturity. (For accounts that automatically renew, there is a grace
<br />period after each renewal date during which withdrawals aze permitted
<br />without penalty J
<br />In certain circumstances such as the death or incompetence of an
<br />owner of this accoum, law permits, or in some cases requires, the waiver
<br />of the eazly withdrawal penalty.
<br />FOR ACCOUNTS THAT AUTOMATICALLY RENEW: Each
<br />renewal term will be ,beginning on
<br />the maturity date (unless we notify you, ¢t writing, before a mamriry date,
<br />of a different term for renewal).
<br />You must notify us in writing before, or within a day grace
<br />period after, the mamrity date if you do ao[ warn this account to
<br />automatically renew.
<br />Interest earned during one term that is not withdrawn during or
<br />immediately after that term is added to principal for the renewal term.
<br />The rate for each renewal term will be determined by us on or just
<br />before the renewal date. You may call us on or shortly before the maturity
<br />date and we can tell you what the interest rate will be for the next renewal
<br />term. On accounts with terms of longer than one month we will remind
<br />you in advance of the renewal and tell you when the rate will be known
<br />for the renewal period.
<br />See your plan disclosure if this account is part of an IRA or Keogh.
<br />/page 2 alt/
<br />Ej Lr " O 1993 Bankers Systsms, Inc., 5[. Ciwtl. MN Form CD-AA-LA2-CO 10/12/2001
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