OWNERSHIP OF ACCOUNT
DEPOSITS
FUNDS AVAILABILITY POLICY
SPECIAL RULES FOR NEW ACCOUNTS
WITHDRAWALS
STATEMENTS
DORMANT ACCOUNTS
SET-OFF
REPLACEMENT OF CASHIER'S/CERTIFIED CHECKS
GENERAL PROVISIONS
STOP PAYMENTS
ORDERING CHECKS FROM INDEPENDENT COMPANIES
DIRECT DEPOSIT
SCHEDULE OF FEES AND CHARGES



SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5000 of a day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions.

For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the eleventh business day after the day of your deposit.

Withdrawals unless specifically indicated, anyone who signs a Deposit Agreement, as a depositor or otherwise, may withdraw or transfer all or any part of the account balance at any time on forms or through methods approved by us.
Each of you authorizes each other person signing the deposit agreement to endorse any item payable to you or your order for deposit to this account or any other transaction with us, until we receive actual notice to the contrary.

A check that will overdraw the available account balance will trigger a service charge whether we pay the item or dishonor it. We may, at our option and in lieu of other charges in connection with an overdraft, charge interest on the overdraft at a rate not to exceed the maximum legal rate until paid. You agree, immediately upon notice from us, to deposit funds sufficient to cover any overdraft plus service charges. In connection with overdrafts, our determination of the account balance may be made at any time between presentment and our midnight deadline, and will only be made once.

The fact that we may honor withdrawal requests which overdraw the available account balance does not obligate us to do so. We will not be obligated to honor such requests unless required by law or by another agreement we have with you. We reserve the right to disregard any information on the check other than the drawer's signature, the payee, the amount, and any magnetically-encoded information at the bottom of the check. Unless previously agreed to by us in writing, we will not be liable for payment of any post-dated item, or for payment of any item bearing on its face any conditional statement or restriction such as "Void after 90 days", "Void over $100", "Paid in full", or "Two signatures required". If we pay any such item, we may charge the full amount of that item to your account. We may refuse any withdrawal or transfer request, which is for an amount less than any minimum withdrawal requirement or which exceeds any frequency limitation.

If you fail to observe any stated limitations, we may close your account. We will use the date a transaction is completed by us (and not the day you initiate it) to apply the frequency limitations. On interest-bearing accounts other than time deposits, we reserve the right to require at least seven days' written notice before any withdrawal or transfer. Withdrawals from a time deposit prior to maturity or prior to the expiration of any notice period may be restricted or prohibited and, if consented to by us, may be subject to a substantial penalty.