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DEFINITIONS: "We," "our," and "us" mean the issuer of this account
<br />and "you" and "your" mean the 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, bas a present right,
<br />subject to request, to paymem from amultiple-party account.
<br />TRANSFER: "TraosPer" means any change in ownership, withdrawal
<br />rights, or survivorship rights, including (but not limited [o) any pledge or
<br />assignment of this 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 until the maturity date. (An automatically renewable accoum
<br />matures a[ regulaz intervals) You may not transfer this accoum without
<br />first obtaining our written consent. You must presem [his certificate when
<br />you request a withdrawal or a transfer.
<br />This account is void ff the deposit is made by any method requiring
<br />collection (such as a check) and tbe deposit is not immediately collected in
<br />full. If the deposit is made or payable in a foreign currency, the amount of
<br />the deposit will be adjusted m reflect final exchange into U.S. dollars.
<br />We may change any term of this agreement. Rules governing changes
<br />reasonable notice in writing or by any other method permitted by law.
<br />If any notice is necessary, you all agree [hat dte notice will be
<br />sufficiem if we mail it to the address listed on page one of dtis form. You
<br />must notify us of any change. _ _ __ __
<br />WITHDRAWALS AND TRANSFERS: Omy tltose of you who sign dte
<br />permanent signature card may wittdraw funds from this account. (In
<br />appropriate cases, a court appointed representative, a beneficiary of a
<br />trust or payondeath account whose right of witudrawal has matured, or a
<br />newly appoimed and authorized representative of a legal entity may also
<br />withdraw from this account.) The specific number of you who must agree
<br />m any withdrawal is written on page one in the section bearing the title
<br />...Number of Endorsements .... "This means, for example, that if
<br />two of you sign Ute signature cazd but omy one endorsement is necessary
<br />for widtdrawal then eitlter of you may request withdrawal of the entire
<br />account at any time.
<br />Tbese same rules apply m define the names and the number of you
<br />who can request our consent to a transfer.
<br />PLEDGES: Any pledge of this accoum (to which we have agreed), must
<br />first be satisfied before the rights of any joint accoum survivor,
<br />payon-death beneficiary or trust 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 joint tenant's rights vt this account aze subject
<br />first to the paymem of the debt.
<br />OWNERSHIP OF ACCOUNT AND BENEFICIARY
<br />DESIGNATION: You intend these odes to apply to this account
<br />depending on the form of ownership and beneficiary designation, if any,
<br />specified on page 1. We make no representafions as m the appropriateness
<br />or effect of the ownership and beneficiary designations, except as [hey
<br />determine m whom we pay the account funds.
<br />Single-Party Account - Such an accottm is owned by one party.
<br />Multiple-Party Account -Parties own account in proportion to net
<br />contributions unless there is cleaz and convincing evidence of a differem
<br />intent.
<br />Trust Account SubjeM to Separate Agreement - We will abide by
<br />the terms of any sepazate agreement which cleazly pertains to this
<br />certificate and which you file with us. Any additional consistem terms
<br />stated on this form will also apply.
<br />RIGHTS AT DEATH:
<br />Single-Party Aceount - A[ death of party, ownership passes as part of
<br />party's estate.
<br />Multiple-Party Account wiHt Right oP Survivorship - At death of
<br />party, ownership passes to surviving parties. If two or more parties
<br />survive and one is the surviving spouse of the deceased party, the amount
<br />f-~r ,"" m 1993 Bankers Syatema, Inc., 9t. Cloutl, MN Form LD-AA-IAZ-CO 10/12/2001
<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 to the surviving parties in equal shazes.
<br />Multlple-Party 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 - At
<br />death of party, ownership passes m POD beneficiaries and is no[ part of
<br />party's estate.
<br />Multipie-Party Account with Right of Survivorship and POD
<br />(Payon-Death) Designatron - 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 6y law) set off the funds in this account against any due and
<br />payable deb[ owed to us now or in the future, by any of you having the
<br />right of withdrawal, m the extent of such person's or legal entity's right to
<br />withdraw. The amoum subject m setoff is [ha[ proportion to which you
<br />aze or were immediately before your death, beneficially entitled, and in
<br />having present rights of widhdrawal. ff the debt arises from a note, "any
<br />due and payable debt" includes the total amount of which we aze entided
<br />to demand paymem under the terms of the note a[ the time we set off,
<br />including- any. balance the_due date for which we property accelerate
<br />under dte note. This right of set-off does not apply to this account if: (a) it
<br />is an Individual Retvemem Accoum or otber tax-0efeaed retirement
<br />accoum, or (b) the debt is created by a consumer credit transaction under
<br />a credit cazd plan, or (c) the 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 m calculate the interest on this account. This method applies a
<br />daily periodic rate to the principal in the account each day.
<br />TRANSACTION LIMITATIONS: You cannot make additional deposits
<br />to this accoum during a term (other than credited interest). You carrot
<br />withdraw principal from this account without our consent except on or
<br />after maturity. (For accounts [ha[ aummaticaly renew, there is a grace
<br />period after each renewal date during which widtdrawals aze permitted
<br />without penalty)
<br />In certain cvcumstances such as the death or incompetence of an
<br />owner of this account, 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 , begiming on
<br />the matmity date (unless we notify you, in writing, before a maturity date,
<br />of a different term for renewal).
<br />You must notify us in writing before, or within a day grace
<br />period after, Cite maturity date if you do not want this account [o
<br />automatically renew.
<br />Interest earned during one term that is not witltdrawn during or
<br />immediately after that term is added m principal for the renewal term.
<br />The rate for each renewal term wffi be determined by us on or just
<br />before the renewal date. You may call us on or shortly before the mattuity
<br />date and we can tell you what the interest rate will be for the next renewal
<br />term. On accounts witlt terms of longer than one montlt we will remind
<br />you in advance of the renewal and tell you when the rate will be known
<br />for dte renewal period.
<br />See your plan disclosure if this account is part of an IRA or Keogh.
<br />/page I o/ 1/
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