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ADDITIONAL ACCOUNT TERMS
<br />DEFINITIONS: "We," "our," "us" mean the issuer of this
<br />account and "you" and "your" mean the depositor(s). "Account"
<br />arising a result of our exercise of our right of setoff.
<br />means the original certificate as well as the deposit it evidences.
<br />TRANSFER: "Transfer" means any change in ownership OWNERSHIP OF ACCOUNT (Select One and Initial):
<br />,
<br />withdrawal rights, or survivorship lights, including (but not
<br />limited to) any pledge or assignment of this account as collateral [X] Single-Patty Account
<br />[ l Multiple-Party Account
<br />.
<br />You cannot transfer this account without our written consent. [ ] Trust Separate Agreement
<br />PRIMARY AGREEMENT: You agree to keep your finds with
<br />us in ibis account until the maturity date, (Automatically renewable RIGHTS AT DEATH (Select One and Initial):
<br />[X] Si
<br />l
<br />
<br />accounts mature at regular intervals,) You may not transfer this
<br />account
<br />ith
<br />t fi ng
<br />e-Patty Account
<br />[ ] Multiple-Party Account With Right of Survivorship
<br />w
<br />ou
<br />rst obtaining our written consent. You must
<br />present this certificate when requesting a withdrawal or transfer. [ ] Multiple-Patty Account Without Right of
<br />Survivors p
<br />This account is void if the initial deposit is made by any method
<br />requiring collection (such as a check) and the de
<br />osit is n
<br />t [ ] Single-Patty Account With Pay-on-Death Designation
<br />[ ] M
<br />l
<br />p
<br />o
<br />immediately collected in full. If any permitted deposit is made or u
<br />tiple-Party Account With Right of Survivorship
<br />and ay-on- eath Designation
<br />payable in a foreign currency, the amount of the deposit will be
<br />a4isted to reflect final exchange into U.S. dollars. OWNERSHIP OF ACCOUNT AND BENEFICIARY
<br />We may change any term of this agreement. Rules governing DESIGNATION: These rules apply to this account depending on
<br />changes in interest rates have been provided. For other changes we the form of ownership and beneficiary designation, if any
<br />
<br />will give you reasonable notice in writing or by any other method ,
<br />specified. We make no representations as to the appropriateness or
<br />permitted by law. If any notice is necessary, you agree that the effect of the ownership and beneficiary designations, except as they-
<br />notice is sufficient if we mail it to the address listed on page one. detemlille to whom we pay the account funds. "Party" means a
<br />You must notify us of any change.
<br />ADDITIONS: If we allow additional deposits, we will give only person who, by the terns of an account, has a present right, subject
<br />to request, to payment from the account other than as a beneficiary
<br />provisional credit until collection is final for any items, other than or agent-
<br />cash, we accept for deposit (including items drawn "on us"). We Single-Patty Account - Such an account is owned by one party.
<br />are not responsible for transactions by snail or outside depository Multiple-Patty Account - Parties own account in proportion to net -
<br />until we actually record them: We will treat and record all contributions unless there is clear and convincing evidence of a
<br />transactions received after our "daily cutoff time" on a business different intent
<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 RIGHTS AT DEATH:
<br />are open. Single-Party Account - At the death of a party, ownership pusses as
<br />WITHDRAWALS AND TRANSFERS: Only those of you who Pad of the party's estate-
<br />sign the permanent signature card may withdraw funds from ibis Multiple-Patty Account With Right of Survivorship - At death of
<br />account. (In appropriate cases, a court appointed
<br />: Wpresentativp
<br />a party, ownership passes to surviving patties. If two or more patties
<br />.
<br />,:.
<br />beneficiary of a trust or pay-on-death accouif €:,*WIiose ri :::: :;; sun iu e: end me is ibc:surviving spouse of the deceased party, the
<br />u m
<br />• i
<br />t
<br />..W. N ih %Aeceased , immediately before death, was
<br />withdrawal has matured, or a new ivied ' €eatn
<br />ZY appo atid atbrined
<br />....... PAY ,
<br />representative of a legal entity may also r'mthdraw fiiihtm this be ficia..l enti .... y law belongs to the surviving spouse. If two
<br />'
<br />""" :••••brm
<br />
<br />
<br />,
<br />:.esvive and none is the spouse of the decedent, the
<br />account) The specific number of you whop 'must agrei ?€to any., a ,mt to which!*e deceased patty, immediately before death, was
<br />I?eerdamg 110:x
<br />withdrawal is written on page one on the ]iiiix ;•......"" ' belfjWeiall
<br />entitledd b
<br />la
<br />l
<br />b
<br />N
<br />h
<br />'
<br />
<br />umber of endorsements ...." This means for'??ex
<br />Ir
<br />two of you sign the signature card but only one endorsement is y
<br />y
<br />w
<br />e
<br />ongs to t
<br />e surviving
<br />parties in equal
<br />shares, and augments the proportion to which each surviving patty,
<br />necessary for withdrawal then either of
<br />you may request
<br />withdrawal of the entire account at any time
<br />These same rules mmtechately before the deceased patty's death, was beneficially
<br />entitled under law, and the right of survivorship continues between
<br />.
<br />apply to define the names and the number of you who can request
<br />our consent to a transfer. the surviving parties.
<br />Multiple-Party Account Without Right of Survivotsbip - At death of
<br />
<br />PLEDGES: Any pledge of ibis account (to which we have party, deceased party's ownership passes as part of deceased party's
<br />estate
<br />
<br />agreed), must first be satisfied before the tights of any joint
<br />account survivor, pay-on-death beneficiary or bust account
<br />b
<br />f ,
<br />Single-Patty Account With Pay-on-Death Designation - At death of
<br />the party, ownership passes to the designated
<br />a
<br />-on-death
<br />ene
<br />iciary become effective. For example, if one joint tenant
<br />pledges the account for payment of a debt and then (lies, the
<br />i
<br />i
<br />' p
<br />y
<br />beneficiaries and is not part of the party's estate.
<br />Multiple-Party Account With Right of Survivorship and Pa
<br />-on-
<br />surv
<br />v
<br />ng Joint tenant
<br />s lights in this account are subject first to the
<br />payment of the debt y
<br />Death Designation - At death of last surviving party, ownership
<br />
<br />FOR ACCOUNTS THAT AUTOMATICALLY RENEW: posses to the designated pay-on-death -beneficiaries andis not part of-
<br />the last survivin
<br />'
<br />art
<br />t
<br />t
<br />
<br />Interest d g p
<br />y
<br />s es
<br />a
<br />e.
<br />eeme during one term Wit 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 />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 gayi-m.- W under the term of t to tote st the tune 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 ibis account
<br />if: (a) it is an IRA or other tax-deferred retirement account, or (b)
<br />the debt is created by a consumer credit transaction under a credit
<br />card plan (but this does not affect our rights under any consensual
<br />security interest), or (c) the debtor's right of withdrawal only arises
<br />in a representative capacity. We will not be liable for the dishonor
<br />of any check when the dishonor occurs because we set off a debt
<br />against this account You agree to hold us harmless from any claim
<br />EE? fJ2r "' © 2001 Bankers Systems, Inc., St. Cloud, MN Form CDSC-ARTAD 8/16/2001 V04.10
<br />(page 2 of 2)
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