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' ADDITIONAL ACCOUNT TERMS <br />DEFINITIONS: "We," "our," "us" mean the issuer of this including any balance the due date for which we properly accelerate <br />account and "you" and "your" mean the depositor(s). "Account" under the note. This right of setoff does not apply to this account <br />means the original certificate as well as the deposit it evidences. if: (a) it is an IRA or other tax-deferred retirement account, or (b) <br />TRANSFER: "Transfer" means any change in ownership, the debt is created by a consumer credit transaction under a credit <br />(withdrawal rights, or survivorship rights, including (but not card plan (but this does not affect our rights under any consensual <br />limited to) any pledge or assignment of this account as collateral. security interest), or (c) the debtor's right of withdrawal only arises <br />You cannot transfer this account without our written consent. in a representative capacity. We will not be liable for the dishonor <br />PRIMARY AGREEMENT: You agree to keep your funds with of any check when the dishonor occurs because we set off a debt <br />us in this account until the maturity date. (Automatically renewable against this account. You agree to hold us harmless from any claim <br />accounts mature at regular intervals.) You may not transfer this arising as a result of our exercise of our right of setoff. <br />account without first obtaining our written consent. You must <br />present this certificate when requesting a withdrawal or transfer. <br />This account is void if the initial deposit is made by any method <br />requiring collection (such as a check) and the deposit is not <br />immediately collected in full. If any permitted deposit is made or <br />payable in a foreign currency, the amount of the deposit will be <br />adjusted to reflect final exchange into U.S. dollars. <br />We may change any term of this agreement. Rules governing <br />changes in interest rates have been provided. For other changes we <br />will give you reasonable notice in writing or by any other method <br />permitted by law. If any notice is necessary, you agree that the <br />notice is sufficient if we mail it to the address listed on page one. <br />You must notify us of any change. <br />ADDITIONS: If we allow additional deposits, we will give only <br />provisional credit until collection is final for any items, other than <br />cash, we accept for deposit (including items drawn "on us"). We <br />are not responsible for transactions by mail or outside depository <br />until we actually record them. We will treat and record all <br />transactions received after our "daily cutoff time" on a business <br />day we are open, or received on a day we are not open for <br />business, as if initiated on the next following business day that we <br />are open. <br />WITHDRAWALS AND TRANSFERS: Only those of you who <br />sign the permanent signature card may withdraw funds from this <br />account. (In appropriate cases, a court appointed representative, a <br />beneficiary of a trust or pay-on-death account whose right of <br />withdrawal has matured, or a newly appointed and authorized <br />representative of a legal entity may also withdraw from this <br />account.) The specific number of you who must agree to any <br />withdrawal is written on page one on the line bearing the title <br />"Number of endorsements .... " This means, for example, that if <br />two of you sign the signature card but only one endorsement is <br />necessary for withdrawal then either of you may request <br />withdrawal of the entire account at any time. These same rules <br />apply to define the names and the number of you who can request <br />our consent to a transfer. <br />PLEDGES: Any pledge of this account (to which we have <br />agreed), must first be satisfied before the rights of any joint <br />account survivor, pay-on-death beneficiary or trust account <br />beneficiary become effective. For example, if one joint tenant <br />pledges the account for payment of a debt and then dies, the <br />surviving joint tenant's rights in this account are subject first to the <br />payment of the debt. <br />FOR ACCOUNTS THAT AUTOMATICALLY RENEW: <br />Interest earned during one term that is not withdrawn is added to <br />principal for the renewal term. The rate for each renewal term will <br />be determined by us on or just before the renewal date. You may <br />call us on or shortly before the maturity date and we can tell you <br />what the rate will be. <br />BUSINESS ACCOUNTS: Earnings in the form of interest, <br />dividends, or credits will be paid only on collected funds, unless <br />otherwise provided by law or our policy. We may require the <br />governing body of the legal entity opening the account to give us a <br />separate authorization telling us who is authorized to act on its <br />behalf. We will honor the authorization until we actually receive <br />written notice of a change from the governing body of the legal <br />entity . <br />SETOFF: We may (without prior notice and when permitted by <br />law) set off the funds in this account against any due and payable <br />debt you owe us now or in the future, by any of you having the <br />right of withdrawal, to the extent of such persons' or legal entity's <br />right to withdraw. If the debt arises from a note, "any due and <br />payable debt" includes the total amount of which we are entitled to <br />demand payment under the terms of the note at the time we set off, <br />@2001 Bankers Systems, Inc., St. Cloud, MN Form CDSC-ARTAD 8/16/2001 V04.10 (page 2 of 2) <br />P o _ _