Common use of Joint Accounts Clause in Contracts

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. In general, if this is a Joint account customers agreeAccount, each signer ("Joint Owner") of this Agreement agrees that the signatories, all Joint Owners are jointly and severally, severally liable for all obligations arising under the Agreement. Each Joint Owner agrees that each other Joint Owner shall have the authority on behalf of to give instructions to us regarding the account Joint Account, to do all acts communicate and have all rightsreceive information from us concerning the Joint Account, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; Joint Account securities and/or other property and to deal with the financial professional dispose of same, to make on behalf of the joint account as fully Joint Account agreements relating to any of the foregoing matters, and completely as if to terminate or modify or waive any of the Customer alone were interested in provisions of such agreements and generally to deal with us on behalf of the account. This may Joint Account, all be done without providing notice to others interested in the accountother Joint Owners. Your Financial Professional is Each Joint Owner agrees that we are authorized to follow the instructions of any of the account holders other Joint Owner in every respect concerning the joint account. In Joint Account and to make deliveries to any Joint Owner, or upon instructions by any Joint Owner, of any securities and/or other property in the event of deliveries of securities or Joint Account, and to make payments to any Joint Owner, or upon orders of any Joint Owner, of any or all monies at any time or from time to time as such Joint Owner may order and direct, even if such deliveries and/or payments shall be made to such Joint Owner personally, and not for the joint account partiesJoint Account. Each Joint Owner agrees to hold us and our employees and agents harmless from and indemnify the same against any losses, your Financial Professional will cause of action, damages, and expenses (including attorneys' fees) arising from or as the result of us, our employees, or agents following the instructions of any Joint Owner. Each Joint Owner further agrees that we shall not be under no any duty or obligation to inquire into those deliveries the purpose or paymentspropriety of any such demand for delivery of securities or payment of monies. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial ProfessionalAt any time, however, is authorizedwe may, at the account holders’ our sole discretion, to require joint account or collective action by the joint tenants both Joint Owners with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been markedAccount, on the death of any account holder, the deceased party’s ownership of the account passes including but not limited to the surviving account holdersgiving or cancellation of orders and the withdrawal of money or other property. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of Notwithstanding any of the account holders who have died will be liableforegoing, we are authorized at our sole discretion and each survivor will continue to be liable, jointly and severallywithout liability because of fluctuating market conditions or otherwise, to the financial professional for do any net debit balance resulting from transactions initiated prior to the receipt by the financial professional one or more of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.following: (i) select which instructions to follow and which to disregard;

Joint Accounts. Joint account customers agreeWhen you open a joint account, that it shall be held by you in joint tenancy with rights of survivorship, unless you notify us otherwise and provide the signatoriesrequired documentation. For tenants in common, the interest in the tenancy shall be equal, unless we notify you otherwise. If the Account is a joint account, the undersigned persons jointly and severallyseverally agree to be fully and completely responsible and liable for the account and to pay on demand any balance due. Each of you, have the authority or any person authorized to act on behalf of the account Account under a separate agreement, has full power and authority to make purchases and sales, withdraw funds and securities from, or to do all acts anything else with reference to the Account. You are authorized and have all rights, responsibilities and obligations directed to act upon instructions received from any one of us. I understand that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf tax reporting information is processed using the social security number of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested person first named in the accountregistration. This We in our sole discretion may at any time suspend all be done without notice to others interested activity in the accountAccount pending instructions from a court of competent jurisdiction or require that instructions pertaining to the Account be in writing, signed by all of you. Your Financial Professional is authorized Each of you agrees to follow hold harmless us and our employees and agents from and indemnify them against any losses, causes of action, damages and expenses (including attorney's fees) arising from or as the result of us, our employees or agents following the instructions of any of the account holders in every respect concerning the joint accountyou. In the event of deliveries of securities a dispute between or payments among you, we reserve the right, but are not obligated, to any of place restrictions on the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or paymentsAccount. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorizedWe may, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership expense of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien , commence or defend any action or proceeding for or in the financial professional’s favor nature of interpleader to have the dispute resolved judicially. If a suit or proceeding for or in the discharge nature of interpleader is brought by or against us, we may deliver the Account into the registry of the court, at which time we will be deemed to be and will be released and discharged from all further obligations owed and responsibilities under this Agreement. We may recover from the financial professional. It is understood that Account or from any or all of you such costs as we may incur, including reasonable attorney's fees, as the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate result of any of dispute between or among you relating to or arising from the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesAccount.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional Broker on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Broker is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Broker will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Broker receives written notice of revocation. Your Financial ProfessionalBroker, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionalBroker’s favor for the discharge of the obligations owed the financial professionalBroker. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional Broker would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional Broker for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional Broker of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. In General, if this is a Joint account customers agreeAccount, each signer (“Joint Owner”) of this Agreement agrees that the signatories, all Joint Owners are jointly and severally, severally liable for all obligations arising under the Agreement. Each Joint Owner agrees that each other Joint Owner shall have the authority on behalf of to give instructions to us regarding the account Joint Account, to do all acts communicate and have all rightsreceive information from us concerning the Joint Account, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; Joint Account securities and/or other property and to deal with the financial professional dispose of same, to make on behalf of the joint account as fully Joint Account agreements relating to any of the foregoing matters and completely as if to terminate or modify or waive any of the Customer alone were interested in provisions of such agreements and generally to deal with us on behalf of the account. This may Joint Account, all be done without providing notice to others interested in the accountother Joint Owners. Your Financial Professional is Each Joint Owner agrees that we are authorized to follow the instructions of any of the account holders other Joint Owner in every respect concerning the joint account. In Joint Account and to make deliveries to any Joint Owner, or upon instructions by any Joint Owner, of any securities and/or other property in the event of deliveries of securities or Joint Account, and to make payments to any Joint Owner, or upon orders of any Joint Owner, of any or all monies at any time or from time to time as such Joint Owner may order and direct, even if such deliveries and/or payments shall be made to such Joint Owner personally, and not for the joint account partiesJoint Account. Each Joint Owner agrees to hold us and our employees and agents harmless from and indemnify the same against any losses, your Financial Professional will causes of action, damages, and expenses (including attorneys’ fees) arising from or as the result of us, our employees, or agents following the instructions of any Joint Owner. Each Joint Owner further agrees that we shall not be under no any duty or obligation to inquire into those deliveries the purpose or paymentspropriety of any such demand for delivery of securities or payment of monies. Joint authority will remain At any time, we may, in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ our sole discretion, to require joint account or collective action by the joint tenants all Joint Owners with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been markedAccount, on the death of any account holder, the deceased party’s ownership of the account passes including but not limited to the surviving account holdersgiving or cancellation of orders and the withdrawal of money or other property. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of Notwithstanding any of the account holders who have died will be liableforegoing, we are authorized in our sole discretion, and each survivor will continue to be liable, jointly and severallywithout liability because of fluctuating market conditions or otherwise, to do any one or more of the financial professional for following: (if) select which instructions to follow and which to disregard; (ii) suspend all activity in the Joint Account, and refuse to buy, sell or trade any net debit balance resulting from transactions initiated prior securities and/or other property, and refuse to disburse any such securities and/or other property, except upon further written instructions signed by ALL the Joint Owners; (iii) close the Joint Account and send any and all securities and/or other property by ordinary mail to the receipt address of record; or (iv) file an interpleader action in any appropriate court, in which event we shall be entitled to recover all costs including reasonable attorneys’ fees in an amount set by the financial professional court. (You agree that filing of such an interpleader is an extraordinary event and will not be deemed a waiver of the written notice of the deathright to arbitration under this Agreement.) Each Joint Owner agrees that we may, incurred at any time, suspend all activity in the liquidation Account pending instructions from a court of the account, or the adjustment of the interests of the respective partiescompetent jurisdiction.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional advisor on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Advisor is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Advisor will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Advisor receives written notice of revocation. Your Financial ProfessionalAdvisor, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. .If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionaladvisor’s favor for the discharge of the obligations owed the financial professionaladvisor. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional advisor would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional advisor for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional advisor of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint Except for accounts designated as Multiple Signatures Required Accounts, the following paragraph applies: If two or more parties have signed an Application and Agreement with respect to one or more accounts, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Unless previously designated, such joint designation shall apply to all sub accounts under your member number. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act hereunder, each person signing the Membership Application and Agreement jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). Any owner who is a surviving owner agrees that the signatoriesCredit Union to the extent allowed by law may set off any money in the account against any obligation of a deceased owner within thirty days after the Credit Union becomes aware of the deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as would be the case with certain tax favored accounts). All owners who are surviving owners also agree that their interests in the account are subject to any security interest or pledge granted by a deceased owner, even if they individually did not consent to it. No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If an account is designated as a Multiple Signatures Required Account, the following paragraph applies: If two or more parties have signed a signature card, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account agree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship. It is agreed that all living parties must sign any request for a withdrawal and that transactions on the account may only be conducted in person at the Credit Union’s office. All but not less than all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without the consent of all living joint owners and prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demandsregardless of who contributed them. Except as modified in this Agreement, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution Public Acts of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and each survivor will continue to be liablecommonly known as the Credit Union Multiple-Party Accounts Act. An account owned by a person that is not a natural person (that is, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt an account owned by the financial professional of the written notice of the death, incurred in the liquidation of the account, a corporation or the adjustment of the interests of the respective partiesother legal entity or by a trust) may not have joint owners.

Joint Accounts. Joint If two or more parties have signed an Application and Agreement with respect to your Prime Share Savings Account, you are creating, and intend to create, a “joint tenancy with rights of survivorship.” That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), that together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the signatoriesCredit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. If you create this ownership arrangement for your Prime Share Savings Account, it shall apply to all accounts (except IRAs) maintained under the same overall member account number. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act hereunder, each person signing the Membership Application and Agreement jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s) from the Credit Union. No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements regardless of account, and communications who contributed them. Any owner who is a surviving owner agrees that the Credit Union to the extent allowed by law may set off any money in the account against any obligation of every kind; and to deal with a deceased owner within thirty days after the financial professional on behalf Credit Union becomes aware of the joint account deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as fully and completely as if would be the Customer alone were interested case with certain tax favored accounts). All owners who are surviving owners also agree that their interests in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments are subject to any of the security interest or pledge granted by a deceased owner, even if they individually did not consent to it. Except as modified in this Agreement, joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution Public Acts of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and each survivor will continue to be liablecommonly known as the Credit Union Multiple- Party Accounts Act. An account owned by a person that is not a natural person (that is, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt an account owned by the financial professional of the written notice of the death, incurred in the liquidation of the account, a corporation or the adjustment of the interests of the respective partiesother legal entity or by a trust) may not have joint owners.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities responsibilities, and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; kind and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of its revocation. Your Financial Professional, however, is authorized, authorized at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. In General, if this is a Joint account customers agreeAccount, each signer (“Joint Owner”) of this Agreement agrees that the signatories, all Joint Owners are jointly and severally, severally liable for all obligations arising under the Agreement. Each Joint Owner agrees that each other Joint Owner shall have the authority on behalf of to give instructions to us regarding the account Joint Account, to do all acts communicate and have all rightsreceive information from us concerning the Joint Account, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; Joint Account securities and/or other property and to deal with the financial professional dispose of same, to make on behalf of the joint account as fully Joint Account agreements relating to any of the foregoing matters and completely as if to terminate or modify or waive any of the Customer alone were interested in provisions of such agreements and generally to deal with us on behalf of the account. This may Joint Account, all be done without providing notice to others interested in the accountother Joint Owners. Your Financial Professional is Each Joint Owner agrees that we are authorized to follow the instructions of any of the account holders other Joint Owner in every respect concerning the joint account. In Joint Account and to make deliveries to any Joint Owner, or upon instructions by any Joint Owner, of any securities and/or other property in the event of deliveries of securities or Joint Account, and to make payments to any Joint Owner, or upon orders of any Joint Owner, of any or all monies at any time or from time to time as such Joint Owner may order and direct, even if such deliveries and/or payments shall be made to such Joint Owner personally, and not for the joint account partiesJoint Account. Each Joint Owner agrees to hold us and our employees and agents harmless from and indemnify the same against any losses, your Financial Professional will causes of action, damages, and expenses (including attorneys’ fees) arising from or as the result of us, our employees, or agents following the instructions of any Joint Owner. Each Joint Owner further agrees that we shall not be under no any duty or obligation to inquire into those deliveries the purpose or paymentspropriety of any such demand for delivery of securities or payment of monies. Joint authority will remain At any time, we may, in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ our sole discretion, to require joint account or collective action by the joint tenants all Joint Owners with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been markedAccount, on the death of any account holder, the deceased party’s ownership of the account passes including but not limited to the surviving account holdersgiving or cancellation of orders and the withdrawal of money or other property. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of Notwithstanding any of the account holders who have died will be liableforegoing, we are authorized in our sole discretion, and each survivor will continue to be liable, jointly and severallywithout liability because of fluctuating market conditions or otherwise, to do any one or more of the financial professional for following: (i) select which instructions to follow and which to disregard; (ii) suspend all activity in the Joint Account, and refuse to buy, sell or trade any net debit balance resulting from transactions initiated prior securities and/or other property, and refuse to disburse any such securities and/or other property, except upon further written instructions signed by ALL the Joint Owners; (iii) close the Joint Account and send any and all securities and/or other property by ordinary mail to the receipt address of record; or (iv) file an interpleader action in any appropriate court, in which event we shall be entitled to recover all costs including reasonable attorneys’ fees in an amount set by the financial professional court. (You agree that filing of such an interpleader is an extraordinary event and will not be deemed a waiver of the written notice of the deathright to arbitration under this Agreement.) Each Joint Owner agrees that we may, incurred at any time, suspend all activity in the liquidation Account pending instructions from a court of the account, or the adjustment of the interests of the respective partiescompetent jurisdiction.

Joint Accounts. Joint Members should plan carefully and completely when choosing to enter into a joint account customers agreerelationship. If two (2) or more parties have signed a Signature Membership Application, you are creating, and intend to create, a “joint tenancy with rights of survivorship.” That is, you as the owners of the account agree with yourselves and the Credit Union that all sums paid in Savings or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less set-offs as allowed by law for any sums due the signatoriesCredit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Payment to (i) any of you or (ii) the survivor(s) of you, or (iii) the personal representatives, administrators, fiduciaries, or assigns of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each account owner appoints all other account owners to be his or her irrevocable attorney; to make deposits to the account; to endorse for cash or deposit any checks or other items whether payable to one of the account owners alone or with others; and to receive a receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act thereunder, each person signing the Membership Application jointly or singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Any or all of the account owners may pledge all or part of the Savings or deposits in the account as collateral for security on a loan(s). No authority or obligation of the Credit Union may be changed or terminated by one or more of the account owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each account owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint account owners until the matter is resolved. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements regardless of account, and communications who contributed them. Any owner who is a surviving owner agrees that the Credit Union to the extent allowed by law may set off any money in the account against any obligation of every kind; and to deal with a deceased owner within thirty days after the financial professional on behalf Credit Union becomes aware of the joint account as fully and completely as if deceased owner’s death unless such a setoff would not have been allowed during the Customer alone were interested deceased individual’s lifetime. All owners who are surviving owners also agree that their interests in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments are subject to any of the security interest or pledge granted by a deceased owner, even if they individually did not consent to it. Except as modified in this Agreement, joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution Public Acts of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable1968, as amended, being M.C.L. 490.51, and each survivor will continue to be liable, jointly and severally, commonly known as the Credit Union Multiple-Party Accounts Act. Your agreement to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional terms of the written notice of the deaththis Agreement also binds your heirs and assigns, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesas applicable.

Joint Accounts. Joint This clause applies where there is more than one person as joint account customers agree, that the signatories, holders. All joint account holders shall be considered clients under this Agreement and shall be jointly and severally, severable liable for the obligations and liabilities arising from this Agreement. Unless and until we receive written notice signed by all the joint account holders withdrawing or varying the status of the account so as to limit the authority of a specific named individual joint account holder: • Each joint account holder will have the full authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and holders to deal with the financial professional on behalf of the joint account us as fully and completely as if he was the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any sole owner of the account holders in every respect concerning and act on the behalf of all the joint account. In the event of deliveries of securities or payments account holders with regards to any matter related to the account, including giving instructions to liquidate, close and/or withdraw any balance from the account, without the need to give any notice to the other joint account holders. • Any of the joint account partiesholders may give us an effective and final discharge in respect of any of their obligations under this agreement; and • Any notice or communication given to one joint holder shall be deemed to be given to all, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain and unless otherwise agreed in force until your Financial Professional receives written notice writing, we may contact and deal with only one of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect holders subject to any matter concerning legal requirements to the joint accountcontrary. If the Joint Tenants with Right of Survivorship box has been marked, on On the death of any joint account holder: • Our agreement will not terminate but remain binding on the other person(s) constituting our client and we may treat such survivor(s) as the only person(s) party to this Agreement with us; and • We will transfer the balance in your account, and responsibly for any obligations connected with the deceased party’s ownership of account, into the survivors’/survivor name(s). Any joint account holder may ask the Company to convert the account passes to the surviving into a sole account, however, in such case: • The Company will require authority in writing from all joint account holders. The liability with respect to said account shall be joint holders before doing so; and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of • Any person removed from the account holders who have died will be liable, and each survivor will continue to be liable, jointly liable for all obligations and severally, liabilities under the Agreement relating only to the financial professional for any net debit balance resulting period before they were removed from transactions initiated prior to the receipt by account. Notwithstanding the financial professional above, we may in our discretion: • Require joint instructions from all of the written notice joint account holders before taking any action under this Agreement; and • If we receive instructions from a joint account holder which, in our opinion, conflict or are inconsistent with other instructions, we may be advised by one or more joint account holders of the death, incurred in the liquidation of the account, such conflict or the adjustment of the interests of the respective partiesinconsistency and/or take no action on any such instructions until we receive further instructions which are satisfactory to us.

Joint Accounts. Joint If two or more parties have signed an Application and Agreement with respect to one or more accounts, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. Subject to the Credit Union’s approval, any joint owner may remove his/herself from a joint account, however no joint owner may be removed without the consent of joint owner being removed. To induce us to act hereunder, each person signing the Membership Application and Agreement jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). Any owner who is a surviving owner agrees that the signatoriesCredit Union to the extent allowed by law may set off any money in the account against any obligation of a deceased owner within thirty days after the Credit Union becomes aware of the deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as would be the case with certain tax favored accounts). All owners who are surviving owners also agree that their interests in the account are subject to any security interest or pledge granted by a deceased owner, even if they individually did not consent to it. No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demandsregardless of who contributed them. Except as modified in this Agreement, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution Public Acts of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and each survivor will continue to be liablecommonly known as the Credit Union Multiple-Party Accounts Act. An account owned by a person that is not a natural person (that is, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt an account owned by the financial professional of the written notice of the death, incurred in the liquidation of the account, a corporation or the adjustment of the interests of the respective partiesother legal entity or by a trust) may not have joint owners.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severallyse verally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reportsreport s, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint If you designate a joint owner on an account, this designation applies to all funds, excluding an initial $5 membership in a primary share account. If there is more than one owner on this account, all monies credited to it, including dividends, shall be the property of the owners as joint tenants, and not as tenants in common. You each authorize us to pay any and all funds deposited without reference to the original ownership of the funds so deposited. If an item deposited in a joint account customers agreeis returned unpaid, that or if we do not receive final payment on a transaction, the signatoriesowners, jointly and severally, are liable to us for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefitted from the transaction. If any account owner is indebted to us, we may enforce our rights against any account of the indebted owner, including all funds in the joint account, regardless of who contributed the funds. Withdrawals may be made by any owner, and in the case of death, funds may be withdrawn by the survivor(s). If two or more of you survive, you intend and agree that you hold the balance in the account as joint owners with survivorship and not as tenants in common. If the survivor(s) are not eligible for primary membership in Wings Financial, the account will be closed. When we receive notice of the death or incompetence of any one of you, we may, but are not obligated to, restrict or prohibit further withdrawals until we are satisfied that our obligations under the law and this Agreement have been met. A surviving owner’s interest is subject to Wings’ statutory lien for the authority on behalf deceased owner’s obligations, and to any security interest or pledge granted by a deceased owner, even if the surviving owner did not consent to it. Instructions to remove one of the joint owners from the account or to restrict its use by any one of the joint owners may only be made by the person whose name is to be removed or whose use of the account is to do all acts and have all rightsbe restricted. If the joint owner does not consent to such removal, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each the primary member will need to close the joint account customer will have authority on behalf of and open a new account in their individual name. We may close the account to buy, sell and otherwise deal in securities; to receive on behalf the instruction of any one of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf owners or any one of the joint account as fully and completely as if owners’ legal representative(s) without the Customer alone were interested in the accountother joint or primary owner’s consent. This However, a joint may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint accountnot close out a primary member’s Share Savings Account. In the event of deliveries setoff, the enforcement of securities a security interest, or payments legal action, including levy, garnishment or seizure affecting any owner, we may treat all funds in the account as belonging to the affected owner. Each joint owner shall have access to any line-of-credit loan attached to an account as overdraft protection and each owner will be liable to Wings, regardless of which owner causes access to the line-of-credit. If, at any time, Wings has notice of an action of law, commenced or pending between account owners, Wings may refuse withdrawals by any owner, except upon a court order. Minor Accounts We reserve the right to limit the products and services that are available to minors. For accounts opened for a minor, a parent or legal guardian, as approved by us, must be a joint owner on the account. The parent or legal guardian is jointly and severally liable to us for the account, including but not limited to, any returned item, overdraft, or unpaid charges or amounts on such account. A parent or legal guardian must provide the required taxpayer identification certification. Wings may pay funds directly to the minor without regard to his or her minority and has no duty to inquire as to the use or purpose of any transaction by the minor. A parent or legal guardian will only have account access if they are joint owner of the account. We will not automatically remove the joint owner when the minor reaches the age of majority. However, when the minor reaches the age of majority, they may open new accounts in their name alone. Custodial Accounts A custodial account partiesmay be opened under the Uniform Transfers to Minors Act (UTMA) of Minnesota. The minor must be eligible for Wings membership. We will only open Custodial accounts if either the minor or the custodian has had an existing relationship, your Financial Professional will in good standing, with us for the past six months. A guardian or parent must provide the required taxpayer identification certification. There may be under no duty or obligation to inquire into those deliveries or paymentsonly one custodian and one minor for each account. Joint authority will remain Accounts are opened in force until your Financial Professional receives written notice the name and social security number of revocationthe minor with a designated custodian. Your Financial ProfessionalUnless a Court Order states otherwise, however, is authorized, at only the custodian may withdraw funds from the account holders’ discretion, or close the account until the custodial arrange- ment terminates by law and funds are transferred to require joint account action the minor by the joint tenants with respect custodian. We will have no liability or responsibility to the custodian, the minor, or the minor’s legal representative(s) or anyone else if we follow the instructions of a named custodian or successor custodian. At the time the account is established, or any matter concerning time afterwards, the joint accountcustodian may name a successor custodian. A successor custodian has no authority to make transactions or receive information regarding a custodial account until the death or resignation of the custodian. If the Joint Tenants with Right of Survivorship box has been markedcustodian dies, on the death of any account holder, the deceased party’s ownership of we may suspend the account passes until we receive instructions from any person authorized by law to withdraw the surviving account holdersfunds, or from a court order. The liability with respect We are not responsible to said account shall be joint and several. All property shall be subject to monitor the age or eligibility for a lien in Custodial Account, even though our records indicate the financial professionalminor’s favor for the discharge date of the obligations owed the financial professionalbirth. It is understood that the lien be custodian’s responsibility to properly distribute the funds in addition to and not in substitution the account upon the minor’s death or attainment of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate age of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesmajority.

Joint Accounts. In general, if this is a Joint account customers agreeAccount, each signer ("Joint Owner") of this Agreement agrees that the signatories, all Joint Owners are jointly and severally, severally liable for all obligations arising under the Agreement. Each Joint Owner agrees that each other Joint Owner shall have the authority on behalf of to give instructions to us regarding the account Joint Account, to do all acts communicate and have all rightsreceive information from us concerning the Joint Account, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; Joint Account securities and/or other property and to deal with the financial professional dispose of same, to make on behalf of the joint account as fully Joint Account agreements relating to any of the foregoing matters, and completely as if to terminate or modify or waive any of the Customer alone were interested in provisions of such agreements and generally to deal with us on behalf of the account. This may Joint Account, all be done without providing notice to others interested in the accountother Joint Owners. Your Financial Professional is Each Joint Owner agrees that we are authorized to follow the instructions of any of the account holders other Joint Owner in every respect concerning the joint account. In Joint Account and to make deliveries to any Joint Owner, or upon instructions by any Joint Owner, of any securities and/or other property in the event of deliveries of securities or Joint Account, and to make payments to any Joint Owner, or upon orders of any Joint Owner, of any or all monies at any time or from time to time as such Joint Owner may order and direct, even if such deliveries and/or payments shall be made to such Joint Owner personally, and not for the joint account partiesJoint Account. Each Joint Owner agrees to hold us and our employees and agents harmless from and indemnify the same against any losses, your Financial Professional will cause of action, damages, and expenses (including attorneys' fees) arising from or as the result of us, our employees, or agents following the instructions of any Joint Owner. Each Joint Owner further agrees that we shall not be under no any duty or obligation to inquire into those deliveries the purpose or paymentspropriety of any such demand for delivery of securities or payment of monies. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial ProfessionalAt any time, however, is authorizedwe may, at the account holders’ our sole discretion, to require joint account or collective action by the joint tenants both Joint Owners with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been markedAccount, on the death of any account holder, the deceased party’s ownership of the account passes including but not limited to the surviving account holdersgiving or cancellation of orders and the withdrawal of money or other property. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of Notwithstanding any of the account holders who have died will be liableforegoing, we are authorized at our sole discretion and each survivor will continue to be liable, jointly and severallywithout liability because of fluctuating market conditions or otherwise, to the financial professional for do any net debit balance resulting from transactions initiated prior to the receipt by the financial professional one or more of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.following:

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities responsibiliti es, and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint joi nt account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reportsreport s, statements of account, and communications of every kind; kind and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of its revocation. Your Financial Professional, however, is authorized, authorized at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint A joint account customers agreeis a deposit account which is owned by two or more individuals with right of survivorship. You agree that if this Account was opened by two or more individuals it is a joint account unless you have given the Branch written instructions to the contrary. If this is a joint account, you agree that the signatoriesNamed Account Holders may endorse, jointly and severally, have the authority on behalf deposit or cash checks which are payable to any or all of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may haveNamed Account Holders. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf Any of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Named Account Holders is authorized to follow act for the others, and the Branch may accept instructions regarding the account from any of the Named Account Holders and provide information regarding the Account to any of the Named Account Holders. Each of you will be liable to the Branch for all charges and overdrafts created in this Account. In effect, any of the Named Account Holders may control the Account as if it were owned by that Named Account Holder individually. If a check is returned unpaid, each of the Named Account Holders is liable to the Branch regardless of who deposited or cashed the check. Upon the death of any of you, the monies on deposit will belong to the surviving title holder(s). The Branch may require the surviving title holder(s) to produce legal documents before releasing the monies on deposit, however, and may condition any such release of monies upon the full satisfaction of the requirements of Section 11 of this Agreement. Each Named Account Holder may approve statements of account holders and issue checks and drafts against the Account, may order payment stopped on any items drawn against the Account, may pledge, assign or grant a security interest in every respect the Account or any or all amounts therein (whether to secure indebtedness of the signatory or of one or more third parties), may obtain information regarding the Account, and may otherwise deal with any securities and other property at any time or times held by the Branch and belonging to any of you. Although the Branch shall have no obligation to notify any one or more of you regarding any change to or other action concerning the joint accountAccount made or taken by another of you, the Branch may, notwithstanding any other provisions of this paragraph, require the signatures of all of you in order to pay any item or take any other action relating to the Account, if the Branch has received conflicting demands or instructions from any two or more of you; has received an instruction signed by less than all of you seeking to change the title of (or restrict the payment or transfer of funds in) the Account; or has concluded for any other reason, in the Branch's discretion, that it is prudent to require the signatures of all of you. In the event of deliveries the death of securities all of you, the Branch is authorized to transfer or payments pay any monies in the Account to or to the order of any personal representative or executor of any one of you (without regard to the original ownership of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professionalmonies deposited); provided, however, is authorizedthat the Branch, at may condition any such payment upon the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership full satisfaction of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge requirements of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesSection 11 below.

Joint Accounts. Joint If two or more parties have signed a Master Membership Application with respect to one or more accounts, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act hereunder, each person signing the Master Membership Application jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). Any owner who is a surviving owner agrees that the signatoriesCredit Union to the extent allowed by law may set off any money in the account against any obligation of a deceased owner within thirty days after the Credit Union becomes aware of the deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as would be the case with certain tax favored accounts). All owners who are surviving owners also agree that their interests in the account are subject to any security interest or pledge granted by a deceased owner, even if they individually did not consent to it. No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demandsregardless of who contributed them. Except as modified in this Agreement, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution Public Acts of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and each survivor will continue to be liablecommonly known as the Credit Union Multiple-Party Accounts Act. An account owned by a person that is not a natural person (that is, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt an account owned by the financial professional of the written notice of the death, incurred in the liquidation of the account, a corporation or the adjustment of the interests of the respective partiesother legal entity or by a trust) may not have joint owners.

Joint Accounts. Joint account customers agreeIf two or more parties have signed a signature card, that you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the signatories, jointly and severally, have the authority on behalf owners of the account agree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to do now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, of you jointly and severally, agree that each joint account customer will have authority on behalf with full right of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of accountsurvivorship, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien withdrawal or receipt by any of you in the financial professional’s favor for the discharge whole or in part. Any owner may withdraw all funds, stop payment on items, transfer or pledge to us all or any part of the obligations owed shares without the financial professional. It is understood that the lien be in addition to and not in substitution consent of the rights other owner(s). We have no duty to notify any owners about any transaction. We reserve the right to require written consent of all owners for any change to or termination of an account. Payment to any of you or the survivor(s) of you, or your personal representatives, administrators or assigns of the last survivor(s) of you, shall be valid and remedies discharge the financial professional would otherwise haveCredit Union from any liability for such payment and amount. It is further agreed that To induce us to act thereunder, each person signing the estate of signature card jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorney’s fees, except as may be limited by applicable law. Any or all of the joint owners may pledge all or part of the shares or deposits in the account holders who have died will as collateral for security on a loan(s). No authority or obligation of the Credit Union may be liablechanged or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each survivor will continue to be liable, jointly and severally, joint owner is subject to the financial professional for terms and disclosures of this Agreement, and hereby acknowledges receipt thereof. With the exception of Certificate Accounts or as otherwise prohibited by law, any net debit balance resulting from transactions initiated prior joint owner on an account is also a joint owner on all sub-accounts listed under that account number. POD/Trust Account Designation. A Payable on Death (POD) account or trust account designation is an instruction to the receipt Credit Union that an individual or joint account so designated is payable to the owner(s) during his, her or their lifetimes and, when the last account owner dies, payable to any named and surviving POD or trust beneficiary/payee. Accounts payable to more than one surviving beneficiary/payee are owned jointly by the financial professional such beneficiaries/payees without rights of survivorship. The Credit Union is not obligated to notify any beneficiary/payee of the written notice existence of any account or the vesting of the death, incurred beneficiary/payee's interest in the liquidation of the any account, except as otherwise provided by law. Any POD or the adjustment of the interests of the respective partiestrust beneficiary payee designation shall not apply to Individual Retirement (XXX) Accounts.

Joint Accounts. Joint account customers agreeWhen two or more people are listed as owners of an Account, that the signatoriesAccount is a “joint account” and each owner is a “joint owner.” If there are joint Account holders, each is jointly and severallyseverally liable for obligations arising under this Agreement and the Account. We may enforce this Agreement jointly against both Account holders or against either Account holder individually. If a joint Account becomes overdrawn, have each joint Accountholder is liable for the authority full amount the Account is overdrawn, regardless of who initiated or benefited from the item(s) that caused the overdraft. All joint Accounts are owned by the joint owners as joint tenants with right of survivorship. In many jurisdictions, this means that, upon the death of one Account holder, the entire interest in the Account generally goes to the surviving Account holder. Laws covering joint accounts and community property vary by state. You are responsible for verifying how a joint Account will be treated in your state. You are advised to consult with an attorney. Each joint Account holder has full authority, acting individually and without notice to, or approval from, the other Accountholder, to interact with, and provide direction to, SoFi Bank as if he/she were the sole Accountholder. For example, a joint Accountholder can write checks on behalf the Account, withdraw or transfer funds into or out of the account to do all acts Account, or change Account features and have all rights, responsibilities and obligations services; provided however that an individual account holder one Account Holder may havenot remove the other’s name from the Account or change their personal information. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is We are authorized to follow the instructions received from either joint Accountholder. We are not responsible for determining the purpose, authenticity or propriety of an instruction we receive from any joint Accountholder. We reserve the right to require written instructions from all joint Accountholders, at our sole discretion. We also reserve the right, but are not obligated, to place restrictions on an Account in the event we receive notice of a dispute among, or conflicting instructions from, joint Accountholders. For example, if one joint Accountholder requests that we not pay items authorized by a different joint Accountholder, we may block the account, but we are not required to do so. In most instances we will refuse to pay all items, including items authorized by the Accountholder making the request. If we block the Account, we may not release the block unless all joint Accountholders agree in writing to remove it. No request to block the Account will affect items that we paid before the request. If we decide not to block the Account, all joint Accountholders remain responsible for items subtracted from the Account. Any joint Accountholder may close the account without the consent from any other joint Accountholders. We may choose whether or not to act upon other instructions of any joint owners, including adding another owner to the account, without the authorization of the account holders other joint owners. We may also pay all or any part of the funds in every respect concerning the joint account. In the event of deliveries of securities account to a court or payments to government agency if we receive a garnishment, levy or similar legal process that identifies any of the joint account partiesowners. With joint Accounts, your Financial Professional the principle of “notice to one is notice to all” applies, which means that any notice or Disclosure we send to one joint Accountholder will be under no duty deemed delivery of such notice or obligation Disclosure to inquire into those deliveries all joint Accountholders. Power of Attorney. You may give another person authority to make transactions on your Account by giving power of attorney to another individual. The Account owner and person executing power of attorney over a deposit account is known as the “Principal.” The person granted Power of Attorney for the Principal is known as the “Agent.” Do not sign a power of attorney unless you trust the Agent to act in your best interest. If you choose to add an Agent, you must provide a power of attorney form that we agree to accept. We may rely on a copy of an original power of attorney. We are not required to investigate the facts relating to any power of attorney provided to us on your behalf, including whether your signature on the power of attorney is authentic or paymentswhether the agent continues to have authority. Joint We may refuse to accept a power of attorney for reasonable cause, and we may require the Agent to sign an affidavit stating that the power of attorney presented to us is a true copy and that, to the best of the Agent’s knowledge, the Principal continues to be alive and competent and that the relevant powers of the Agent have not been amended or terminated. The Principal is responsible to provide us with any information if an affidavit presented to us is untrue or misleading or if the Agent exceeds the authority granted by the Principal in the power of attorney. The Agent is required to notify us in writing if the Principal dies or is declared incompetent. The power of attorney will remain continue in force until a) we receive written revocation from the Principal; b) we receive written notification of the Principal's death, or c) we receive written notification of the death or incapacity of the Agent. We may follow or refuse to follow the Agent’s instructions at any time, including if we suspect fraud or abuse on your Financial Professional receives written notice account, unless state law requires otherwise. We may also refuse an Agent’s request to become a joint owner or a beneficiary of revocationan account, but we have no liability to anyone if we do so. Your Financial ProfessionalWe have no liability when we follow or refuse to follow any instructions from an Agent, for example, if your agent misuses the authority you have given them. An Agent’s power of attorney on an account is terminated when the Principal dies. In certain states, you can name a supporter to assist you in understanding the information, responsibilities and consequences of your financial decisions. This is done through a supported decision-making agreement, which is an agreement between you and a supporter that is entered into so the supporter can assist with gathering information for you to make decisions about your Account. A supporter is a person that is named by you in a supported decision-making agreement. A supporter may not transact on your Account; however, is authorizeda supporter may request and be provided with account information, at the account holders’ discretion, to require joint account action such as statements or copies of checks. A supporter may also communicate decisions made by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesyou.

Joint Accounts. 3(a) Joint “And” (Account to be operated on the joint instructions/authority of all Joint Account holders) Any account customers agreeto which I may become a joint holder, that will be designated a “Joint Account” (and) and accordingly the signatories, jointly balances from time to time in the account and severally, have all the authority on behalf deposits therein shall be the property of both or all of the account holders as joint tenants and the Bank shall make payments to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf holders or the survivor(s) of the joint account demandsand these shall not be affected by the death, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf insanity or other disability of the joint other person(s). Each account as fully and completely as if holder shall endorse for deposit in the Customer alone were interested in said account(s) all items belonging or payable to both or all parties. Each account holder shall endorse all instructions to debit the account. This may Any or all be done monies or items received for credit or debit to the related account(s) or for payment to both or all parties, with or without notice to others interested endorsement shall in the absence of the Bank’s receipt of contrary instructions in writing, be credited or debited to the said joint account. Your Financial Professional is authorized The Bank shall be protected in relying upon the authorizations contained in the immediately preceding sentences until receipt by it of written notice of the termination thereof, whether such termination be by operation of law or otherwise. 3(b) Joint “Or” (Account to follow be operated on the instructions sole instructions/authority of any one of the Joint Account holders) Any account to which I may become a joint holder, will be designated a ‘Joint Account’ (or), and accordingly the balances from time to time in the account and all deposits therein shall be the property of both or all of the account holders as joint tenants and the Bank may make payments to or on the order of any of the joint holders or the survivor(s) and these provisions shall not be affected by the death, insanity or other disability of the other person(s). Each account holders holder authorizes the other to endorse for deposit in every respect concerning the said account(s) all items belonging or payable to both or all parties. Any or all monies or items received (whether or not belonging or payable to both or all parties) for credit or debit to the related account(s) or for payment to both or all parties, with or without endorsement shall in the absence of the Bank’s receipt of contrary instructions in writing, be credited or debited to the said joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account Bank shall be joint and several. All property shall be subject to a lien protected in relying upon the authorizations contained in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the immediately two (2) preceding sentences until receipt by the financial professional it of the written notice of the deathtermination thereof, incurred in the liquidation whether such termination be by operation of the account, law or the adjustment of the interests of the respective partiesotherwise.

Joint Accounts. Joint account customers agreeIf two or more parties have signed a Membership Agreement, that you are creating, and intend to create, a “joint tenancy with rights of survivorship.” That is, you as the signatories, jointly and severally, have the authority on behalf owners of the account agree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to do now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, of you jointly and severally, agree that each joint account customer will have authority on behalf with full right of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of accountsurvivorship, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien withdrawal or receipt by any of you in whole or in part. Payment to any of you or the financial professional’s favor for the discharge survivor(s) of you, or your personal representatives, administrators or assigns of the obligations owed last survivor(s) of you, shall be valid and discharge the financial professionalCredit Union from any liability for such payment and amount. It is understood that Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the lien be in addition account; to and not in substitution endorse, for cash or deposit, any checks or other items whether payable to one of the rights signers alone or with others; and remedies to receive and receipt for all funds all without obligation to us to inquire into the financial professional would otherwise havesource or application of funds. It is further agreed that To induce us to act thereunder, each person signing the estate of signature card jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account holders who have died will as collateral for security on a loan(s). No authority or obligation of the Credit Union may be liablechanged or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each survivor will continue to be liable, jointly and severally, joint owner is subject to the financial professional for any net debit balance resulting from transactions initiated prior to the terms and disclosures of this Agreement, and hereby acknowledges receipt by the financial professional of the written notice Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. Except as modified in this Agreement, joint accounts shall be subject to and governed by PA 41 of the deathPublic Acts of 1968, incurred in as amended, being MCLA 490.51, and commonly known as the liquidation of the account, or the adjustment of the interests of the respective partiesCredit Union Multiple-Party Accounts Act.

Joint Accounts. Joint account customers agree37.1 19 If the Account is opened in two or more names or a partnership, that the signatories, jointly and severally, have the authority on behalf each of the account Customers or each of the partners (as the case may be) represents, acknowledges and warrants that: (a) the Customers’ liabilities hereunder shall be joint and several and each of the Customers shall have authority to do exercise all acts and have all the Customers’ rights, responsibilities powers and obligations that an individual account holder may have. Joint account customers, jointly discretion hereunder and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and generally to deal with the financial professional on behalf MSL as if each of the joint account as fully and completely as if the Customer Customers alone were interested in the account. This may all be done sole Account holder, without notice to others interested in the account. Your Financial Professional is authorized to other; (b) MSL may follow the instructions Instructions of either/any of the account holders in every respect Customers concerning the joint account. In the event of Account and make deliveries of securities Securities or payments to of monies hereunder in accordance with the directions of either/any of the joint account parties, your Financial Professional will Customers. MSL shall be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice to see to the application or disposition of revocation. Your Financial Professional, however, is authorized, at such Securities or monies; (c) the account holders’ discretion, to require joint account action by the Customers enter into this Agreement as joint tenants with respect to any matter concerning the joint accountright of survivorship and not as tenants-in-common. If the Joint Tenants with Right of Survivorship box has been marked, on Upon the death of either/any account holderof the Customers, the deceased partyCustomer’s ownership entire interest in the Account shall be vested in the surviving Customer (who shall have full authority to give Instructions) but without releasing any liabilities of the account passes to the surviving account holders. The liability with respect to said account deceased Customer, which shall be joint and several. All property shall be subject to a lien in enforceable against the financial professionaldeceased Customer’s favor for estate; (d) upon the discharge death of either/any of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that Customers, the estate of the deceased Customer and any of the account holders who have died will be liable, and each survivor will continue to surviving Customer shall be liable, jointly and severally, to the financial professional MSL for any net debit balance resulting debt or loss in the Account arising from transactions initiated completion of Transactions related to instruction given, whether prior to the or after MSL’s receipt by the financial professional of the a written notice of the such death, incurred ; and (e) in the liquidation case there is a dispute or legal proceedings involving the assets of an Account, or when MSL is in the opinion that there are contradictions, conflicts or ambiguities between any unexecuted Instruction or Instruction given by any surviving Customer or alleged beneficiary of the accountdeceased Customer’s estate and any court order (including without limitation to letter of administration or other probate related order issued by the courts), or MSL shall have the adjustment power to withhold the assets of the interests subject Account pending the final resolution or settlement of such dispute, legal proceedings, contradictions or conflicts or clarification of such ambiguities. For the respective partiesavoidance of doubt, this sub-clause shall also be applicable to Accounts that is not opened as joint accounts. 38.

Joint Accounts. Joint If two or more parties have signed an Application and Agreement with respect to one or more accounts, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Unless previously designated, such joint designation shall apply to all sub accounts under your member number. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act hereunder, each person signing the Membership Application and Agreement jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). Any owner who is a surviving owner agrees that the signatoriesCredit Union to the extent allowed by law may set off any money in the account against any obligation of a deceased owner within thirty days after the Credit Union becomes aware of the deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as would be the case with certain tax favored accounts). All owners who are surviving owners also agree that their interests in the account are subject to any security interest or pledge granted by a deceased owner, even if they individually did not consent to it. No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demandsregardless of who contributed them. Except as modified in this Agreement, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution Public Acts of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and each survivor will continue to be liablecommonly known as the Credit Union Multiple-Party Accounts Act. An account owned by a person that is not a natural person (that is, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt an account owned by the financial professional of the written notice of the death, incurred in the liquidation of the account, a corporation or the adjustment of the interests of the respective partiesother legal entity or by a trust) may not have joint owners.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional Broker on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Broker is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Broker will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Broker receives written notice of its revocation. Your Financial ProfessionalBroker, however, is authorized, authorized at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionalBroker’s favor for the discharge of the obligations owed the financial professionalBroker. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional Broker would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional Broker for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional Broker of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint account customers agreeIf this Account is maintained in the name of two or more persons, that the signatories, each Account Holder agrees to be individually and jointly and severally, have the authority on behalf of the account to do liable for all acts and have all rights, responsibilities and obligations that an individual account holder may haveunder this Agreement. Joint account customers, jointly and severally, agree that each joint account customer Each Account Holder will have authority on behalf of the account authority, acting individually and without notice to any other Account Holder, to give instructions, buy, sell sell, and otherwise deal in securities; to receive on behalf of the joint account demandsSecurities and/or Other Property, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with us with regard to the financial professional on behalf of the joint account Account as fully and completely as if the Customer each Account Holder alone were interested in the accountAccount. This may all be done without notice to others interested in the account. Your Financial Professional is authorized You authorize us to follow the instructions of any Account Holder and to deliver funds, securities, or other assets held in the Account to any Account Holder or in accordance with any Account Holder’s instructions, even if such deliveries and/or payments shall be made to any of you personally, and not for the Joint Account. Unless we have stated otherwise, we will hold assets in the Account for you as joint tenants with rights of survivorship. We are not responsible for determining the purpose or propriety of any instruction we receive from any Account Holder or for the disposition of payments or deliveries among joint Account Holders. Any notice we send to one Account Holder will be deemed to be notice to all Account Holders. You further authorize us to receive into the Account any Securities and/or Other Property delivered to us by or for any Account Holder without delineation as to actual ownership of the account holders property. At any time, we may, at our sole discretion, require joint or collective action by all Account Holders. You authorize us, at our sole discretion, to do any one or more of the following: (i) select which instructions to follow; (ii) suspend all activity in every respect concerning the Joint Account, except upon further written instructions signed by all of you or upon instructions of a court; (iii) close the Joint Account and send any and all assets by ordinary mail to the address of record; or (iv) file an interpleader action, in which event we shall be entitled to recover all costs including reasonable attorneys’ fees in an amount set by the court. Filing an interpleader action, however, will not serve as a waiver of our right to arbitration. If upon the death of one or more of the Account Holders, we cannot determine to our satisfaction the proper distribution of property from a Joint Account, we may, at our sole discretion, freeze the Account indefinitely pending a satisfactory resolution or final decision of an arbitrator or court having jurisdiction over the matter. Laws governing joint ownership of property vary from state to state. You are responsible for verifying that the joint accountregistration you select is valid in your state. In Generally, however, for joint tenants with rights of survivorship, in the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holderof the tenants, the deceased party’s ownership entire interest in the joint Account shall be vested in the surviving joint tenant(s) on the same terms and conditions. For tenants in common, the interest in each tenancy shall be equal unless specified otherwise and in the event of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate death of any of the account holders who have died will be liabletenants in common, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional interest in their share of the written notice of the death, incurred tenancy shall vest in the liquidation of the decedent’s legal representative. State laws regulating community property vary. If you designate your Account as a community property account, or we will treat all property in the adjustment Account and any proceeds in the Account as community property. You should consult your personal legal advisor regarding the community property laws of the interests your state of the respective partiesresidence.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional advisor on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional Advisor is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Advisor will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Advisor receives written notice of revocation. Your Financial ProfessionalAdvisor, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professionaladvisor’s favor for the discharge of the obligations owed the financial professionaladvisor. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional advisor would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional advisor for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional advisor of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.

Joint Accounts. Joint account customers agreeIf your Account is in two or more names, that it is a joint Account. Each joint owner has the signatories, jointly and severally, have the authority on behalf right to withdraw any or all of the account to do all acts and have all rightsfunds from the Account, responsibilities and obligations that an individual account holder may have. Joint account customersclose the Account, jointly and severallyenter into agreements with us concerning the Account, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of give us instructions regarding the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the accountAccount. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on Upon the death of any account holderjoint owner, the deceased party’s ownership of funds in the account passes Account will pass to the surviving account holdersjoint owner or owners. The liability with respect Applicable State law may require additional acts or documents before funds may be released. If we receive conflicting instructions from the joint owners, we will have the right to said account shall be refuse further payments except on a final court order or a release acceptable to us and signed by all joint owners. Each joint owner appoints the other as his or her agent to endorse checks and several. All property shall be subject to a lien in the financial professional’s favor conduct business for the discharge Account. We may be required by law to remit funds held in your Account to satisfy a judgment, execute a levy or court order entered against an Account owner, or to satisfy other valid debts incurred by any owner of the obligations Account. If we make payment following these rules, you release us from liability. If in connection with the Account there is any liability owed to us, such as an overdraft balance, each joint owner will be individually responsible to us for the financial professional. It is understood that the lien be in addition to and not in substitution entire amount of the rights and remedies the financial professional would otherwise haveliability. It is further agreed that the estate of any If one or more of the account holders who have died will be liablejoint owners owes us money that is due, and each survivor will continue to be liable, jointly and severallywe can, to the financial professional for any net debit balance resulting from transactions initiated prior extent permitted by law, use the funds in the joint Account to pay the debt, regardless of who deposited the funds to the receipt by the financial professional Account. Once a joint Account is opened, one owner cannot remove another from title of the written notice Account. Any joint owner may, however, close the Account by withdrawing all of the deathfunds. We may require you to close an Account in order to remove a joint owner, incurred in terminate a joint ownership, switch the liquidation of the accountaccount type, or change a pay-on-death or trust designation. The joint owner whose address we have on our records for the adjustment of Account agrees to provide to the interests of the respective partiesother joint owner(s) any notice we send to that address, and notice to one joint owner shall be notice to all.

Joint Accounts. If more than one individual has entered into terms and conditions relating to the Account or completed a personal account application form, then the Account shall be a "Joint account customers agreeAccount" and each individual signatory shall be a Customer for the purposes of this Agreement. Each Customer shall be jointly and severally liable (in Quebec, solidarily) to the Bank to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and shall agree to all the terms and conditions in this Agreement, irrespective of which signatory to the Account undertook the obligation or incurred the liability. Each Customer shall have access to historical and current transaction details or any other details relating to the Joint Account, and each Customer agrees that the signatories, jointly and severally, other may have the authority on behalf of the account to do all acts same access. Each Customer expressly intends and have all rights, responsibilities and obligations agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all Joint Account shall be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action owned by the them as joint tenants with full rights of survivorship, and not as tenants-in-common, and that the Bank is entitled to treat any interest in the Joint Account in this manner. The Bank may accept any instructions from either Customer, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Online Banking Services described below, or accepting any direction in respect of the Joint Account without requiring the authorization or consent of the other Customer, subject to any matter concerning written instructions by both Customers to the joint accountcontrary. Each Customer agrees that if one Customer is removed from the Joint Account by agreement of both Customers, or in the sole discretion of the Bank, acting reasonably, the Joint Account shall be closed. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdereither Customer dies, the deceased party’s ownership of Customer's interest in the account passes Joint Account shall pass automatically to the surviving account holdersCustomer, without releasing the deceased Customer or their estate from any liability arising from the Joint Account until such time that the Bank has received satisfactory evidence of the death. The liability with respect to said account Bank shall not be joint and several. All property shall be subject to a lien liable for any loss, damages or legal costs incurred in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that any dispute between the estate of any the deceased Customer, the surviving Customer or third party arising from the Bank acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. Joint Members should plan carefully and completely when choosing to enter into a joint account customers agreerelationship. If two (2) or more parties have signed a Signature Card, that you are creating, and intend to create, a “joint tenancy with rights of survivorship.” That is, you as the signatories, jointly and severally, have the authority on behalf owners of the account ac- count agree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to do now or hereafter, less set-offs as allowed by law for any sums due the Credit Union by any party, shall be owned by all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, of you jointly and severally, agree that each joint account customer will have authority on behalf with full right of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of accountsurvivorship, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien withdrawal or receipt by any of you in whole or in part. Payment to any of you or the financial professional’s favor for the discharge survivor(s) of you, or your personal representatives, administrators or assigns of the obligations owed last survivor(s) of you, shall be valid and discharge the financial professionalCredit Union from any liability for such payment and amount. It is understood that Each account owner appoints all other account owners to be his or her irrevocable attorney; to make deposits to the lien be in addition account; to and not in substitution endorse, for cash or deposit, any checks or other items whether payable to one of the rights account owners alone or with others; and remedies to receive and receipt for all funds all without obligation to us to inquire into the financial professional would otherwise havesource or application of funds. It is further agreed that To induce us to act there under, each person signing the estate of signature card jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Any or all of the account holders who have died will owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). No authority or obligation of the Credit Union may be liablechanged or terminated by one or more of the account owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each survivor will continue to be liable, jointly and severally, account owner is subject to the financial professional for any net debit balance resulting terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from transactions initiated prior a joint account when we have knowledge of a dispute between the joint account owners until the matter is resolved. Except as modified in this Agreement, joint accounts shall be subject to and governed by PA 41 of the Public Acts of 1968, as amended, being MCLA 490.51, and commonly known as the Credit Union Multiple-Party Accounts Act. Your agreement to the receipt by the financial professional terms of the written notice of the deaththis Agreement also binds your heirs and assigns, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesas applicable.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf of the account With respect to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, our joint accounts: We agree that each joint account customer will have of us has the authority on behalf of (i) to give instructions concerning the account account, including but not limited to instructions to buy, sell (including short sales), and otherwise deal in securities, options or other property, on margin or otherwise, and instructions to make deliveries or payment of securities or other property in the account, whether to one or more of us or to third parties; (ii) to communicate to and receive on behalf of information concerning the joint account demandsaccount, notices, including but not limited to confirmations, reports, statements of account, and communications of every kind; (iii) to receive money, securities and other property from the account and to dispose of same; (iv) to make, terminate, or modify agreements relating to these matters or waive any of the provisions of such agreements; and (v) generally to deal with the financial professional on behalf of the joint account as fully and completely you as if the Customer each of us alone were interested in the account. This may account owner, all be done without notice to others interested in the accountother account owners. Your Financial Professional is We agree that notice to any account owner shall be deemed to be notice to all account owners. Each account owner shall be jointly and severally liable for all obligations arising under this Agreement. We agree that you are authorized to follow the instructions of any of the account holders owner in every respect concerning the joint account. In the event , including but not limited to demands for delivery of deliveries of any securities or other property in the account to, or upon the instructions of, any account owner and demands for payment of any or all monies from time to time in the account to, or upon the order of, any account owner, even if such deliveries or payments are to or for the benefit of such account owner personally (including payments to any third-parties) and not for the benefit of the joint account parties, your Financial Professional will owners. We agree that you shall not be under no any duty or obligation to inquire into those deliveries the purpose or paymentspropriety of any such demand for delivery of securities or payment of monies. Joint authority will remain At any time you may, in force until your Financial Professional receives written notice sole discretion and without liability because of revocation. Your Financial Professionalfluctuating market conditions or otherwise, however, is authorized, at the account holders’ discretion, to require joint account or collective action by the joint tenants more than one account owner with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes including but not limited to the surviving account holdersgiving or cancellation of orders and the withdrawal of monies, securities or other property. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of Notwithstanding any of the foregoing, you are authorized, in your sole discretion and without liability because of fluctuating market conditions or otherwise, to do any one or more of the following: (i) select which account holders who have died will be liableowner’s instructions to follow and which to disregard; (ii) suspend all activity in the account and refuse to buy, sell or trade any securities or other property and refuse to disburse any securities or other property except upon the written instructions of all account owners; (iii) suspend all activity in the account and refuse to buy, sell or trade any securities or other property and refuse to disburse any securities or other property except upon the instructions of a court of competent jurisdiction; (iv) close the account, and each survivor (v) file an interpleader action in any appropriate court, in which event you, as the case may be, shall be entitled to recover all costs including reasonable attorneys’ fees in an amount set by the court. (We agree that filing of such an interpleader is an extraordinary event and will continue to not be liabledeemed a violation or waiver of the arbitration provisions of this Agreement). Each of us agrees, jointly and severally, to hold harmless and indemnify each of you from and against any losses, cause of action, damages, and expenses (including attorneys’ fees) arising from following the financial professional instructions of any account owner or exercising any one or more of the rights granted in the immediately preceding paragraph. In the event of the death of any account owner, the survivor(s) shall immediately give you written notice thereof. The estate of any deceased account owner and each surviving account owner will continue to be jointly and severally liable to you for any net debit balance or loss in the account resulting from the completion of transactions initiated prior to the your receipt by the financial professional of the a written notice of death of the death, deceased account owner or incurred in the liquidation of the account, account or the adjustment of the interests interest of the respective partiesaccount owners and/or any interests. Any taxes or other expenses becoming a lien against or being payable out of the account as the result of the death of any account owner or through the exercise by his or her estate or representatives of any rights in the account may be charged against the interest of the estate of the decedent; provided, however, this provision shall not release the surviving account owners from any liability provided for in this agreement. In the event we have failed to clearly manifestly express our intent otherwise in the Account Application, you may presume that it is our express intention to create an estate or account as joint tenants with rights of survivorship and not as tenants-in common or tenants by the entirety. In the event of the death of an owner of an account held by spouses as tenants by the entirety or as joint tenants with right of survivorship, the death of either of the joint account owners shall vest the interest of the deceased account owner in the surviving account owner, who may continue to exercise full authority over the account, subject to your right of set-off against the account for any amounts owed by the decedent or the surviving account owner. In the event of the death of an owner of an account held as tenants in common, we agree that the percentage of ownership of the account held by each of the account owners as of the close of business on the date of the death of the deceased account owner (or on the next following business day if the date of death is not a business day) will be equal unless a different tenancy percentage is specified by the account owners in the Account Application. If we have designated our account as a community property account, we agree that you may treat all property placed in the account and any proceeds generated by the property in the account as community property. We understand that this designation is intended only for our convenience and is not intended in any way to change the substantive status of the ownership of the property or the proceeds thereof. We authorize you to receive into the account any securities and/or other property delivered to you by or for either of us without delineation as to the actual ownership of the property. In any situation where you cannot determine to your sole satisfaction the proper distribution of securities and/or other property from a joint account upon the death of an account owner, you may, in your sole discretion, freeze the account indefinitely pending a resolution deemed satisfactory by you, such as (without limitation) a binding agreement among all interested parties or a final decision of an arbitrator or court having jurisdiction over the matter. We understand and agree that, notwithstanding the provisions of Section 21 (Governing Law) of this Agreement which shall govern the contractual obligations of the parties with respect to my account; the legal ownership of my account shall be governed by and implemented under the internal laws of the state of my residence.

Joint Accounts. Joint account customers agreeIf this Account is maintained in the name of two or more persons, that the signatories, each Account holder agrees to be individually and jointly and severally, have the authority on behalf of the account to do liable for all acts and have all rights, responsibilities and obligations that an individual account holder may haveunder this Agreement. Joint account customers, jointly and severally, agree that each joint account customer Each Accountholder will have authority on behalf of the account authority, acting individually, and without notice to any other Accountholder, to give instructions, buy, sell sell, and otherwise deal in securities; to receive on behalf of the joint account demandsSecurities and/or Other Property, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with us with regard to the financial professional on behalf of the joint account Account as fully and completely as if the Customer each Accountholder alone were interested in the accountAccount. This may all be done without notice to others interested in the account. Your Financial Professional is authorized You authorize us to follow the instructions of any Accountholder and to deliver funds, securities, or other assets held in the Account to any Accountholder or in accordance with any Accountholder's instructions, even if such deliveries and/or payments shall be made to any of you personally, and not for the Joint Account. You further authorize us to receive into the Account any Securities and/or Other Property delivered to it by or for either of you without delineation as to actual ownership of the account holders property. In any situation where we cannot determine to our satisfaction the proper distribution of property from a Joint Account upon the death of one owner, we may, at our sole discretion, freeze the Account indefinitely pending a resolution deemed satisfactory to us or a final decision of an arbitrator or court having jurisdiction over the matter. We are not responsible for determining the purpose or propriety of any instruction we receive from any Accountholder or for the disposition of payments or deliveries among joint Accountholders. Any notice we send to one Accountholder will be deemed to be notice to all Accountholders. You further authorize us to receive into the Account any Securities and/or Other Property delivered to us by or for any Accountholder without delineation as to actual ownership of the property. At any time, we may, in every respect concerning our sole discretion, require joint or collective action by all Accountholders. You authorize us, in our sole discretion, to do any one or more of the following: (i) select which instructions to follow; (ii) suspend all activity in the Joint Account, except upon further written instructions signed by all of you or upon instructions of a court; (iii) close the Joint Account and send any and all assets by ordinary mail to the address of record; or (iv) file an interpleader action, in which event we shall be entitled to recover all costs including reasonable attorneys' fees in an amount set by the court. Filing an interpleader action, however, will not serve as a waiver of our right to arbitration. If upon the death of one or more of the Accountholders, we cannot determine to our satisfaction the proper distribution of property from a Joint Account, we may, at our sole discretion, freeze the Account indefinitely pending a satisfactory resolution or final decision of an arbitrator or court having jurisdiction over the matter. Laws governing joint ownership of property vary from state to state. You are responsible forverifying that the joint accountregistration you select is valid in your state. In Generally, however, for joint tenants with rights of survivorship, in the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holderof the tenants, the deceased party’s ownership entire interest in the joint Account shall be vested in the surviving joint tenant(s) on the same terms and conditions. For tenants in common, the interest in each tenancy shall be equal unless specified otherwise and in the event of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate death of any of the account holders who have died will be liabletenants in common, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional interest in their share of the written notice of the death, incurred tenancy shall vest in the liquidation of the decedent's legal representative. State laws regulating community property vary. If you designate your Account as a community property account, or we will treat all property in the adjustment Account and any proceeds in the Account as community property. You should consult your personal legal advisor regarding the community property laws of the interests your state of the respective partiesresidence.

Joint Accounts. Joint If two or more parties have signed an Application and Agreement with respect to one or more accounts, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act hereunder, each person signing the Membership Application and Agreement jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). Any owner who is a surviving owner agrees that the signatoriesCredit Union to the extent allowed by law may set off any money in the account against any obligation of a deceased owner within thirty days after the Credit Union becomes aware of the deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as would be the case with certain tax favored accounts). All owners who are surviving owners also agree that their interests in the account are subject to any security interest or pledge granted by a deceased owner, even if they individually did not consent to it. No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, are liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any account of an owner or all funds in the joint account regardless of who contributed them. Except as modified in this Agreement, joint accounts shall be subject to and governed by PA 41 of the Public Acts of 1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and commonly known as the Credit Union Multiple-Party Accounts Act. An account owned by a person that is not a natural person (that is, an account owned by a corporation or other legal entity or by a trust) may not have the authority on behalf joint owners. Beneficiary Designation. When opening an account or, if all owners agree, at any time thereafter, you may designate one or more persons as beneficiaries of the account to do all acts and have all rightsunder the Michigan Credit Union Beneficiary Accounts Act (Public Act 31 of 1992), responsibilities and obligations that an individual account holder may havebeing M.C.L. 490.81 et seq. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf Upon the death of the account to buy, sell and otherwise deal in securities; to receive on behalf last surviving owner of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf surviving beneficiaries shall become the owners of the joint account as fully and completely as if the Customer alone were interested funds in the account. This may all be done without notice to others interested in the account. Your Financial Professional If there is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdermore than one surviving beneficiary, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liabledivided equally between them, and each survivor will continue to beneficiary shall be liablethe sole owner of that beneficiary’s share. In accordance with the Credit Union Beneficiary Accounts Act, jointly there shall be no joint ownership among beneficiaries. Any funds deposited into an account after the last surviving account owner’s date of death, and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation closing of the account, shall be payable to the beneficiary(ies), and not to the estate of the last surviving account owner (subject to the Credit Union’s right of setoff, as set forth below). For accounts opened prior to November 2006, beneficiary designations shall not apply to a checking account unless there is a specific designation to the contrary on the Membership Card or other document used to establish the account. The Credit Union is not obligated to notify any beneficiary/payee of the existence of any account or the adjustment vesting of the beneficiary/payee's interest in any account, except as otherwise provided by law. The interests of the respective partiesbeneficiary(ies) is subject to the right of the Credit Union, to the extent allowed by law, to set off any money in the account against any obligation of the deceased owner (or the last owner to die, if there was more than one) within thirty days after the Credit Union becomes aware of the deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as would be the case with certain tax favored accounts). The Credit Union reserves the right to require documentation in order to confirm that an account has become properly payable to a beneficiary or beneficiaries. An account owned by a person that is not a natural person (that is, an account owned by a corporation or other legal entity or by a trust) may not have beneficiaries. Accounts for Minors. We may require any account established by a minor to be a multiple party account with an owner who has reached the age of majority under Michigan law and who shall be jointly and severally liable to us for any returned item, overdraft, or unpaid charges or amounts on such account. Except where expressly provided otherwise, we may pay funds directly to a minor without regard to his or her minority. Unless a guardian or parent is an account owner, the guardian or parent shall not have any account access rights. We have no duty to inquire about the use or purpose of any transaction. We will not change the account status when the minor reaches the age of majority, unless authorized in writing by all account owners. Agency Designation on an Account. An agency designation on an account is an instruction to us that the owner authorizes another person to make transactions as agent for the account owner regarding the accounts designated. An agent has no ownership interest in the account(s) or Credit Union voting rights. We have no duty to inquire about the use or purpose of any transaction made by the agent. The Credit Union shall not be liable for loss resulting from the misappropriation of funds withdrawn from an account by an authorized agent.

Joint Accounts. Joint Except for accounts designated as Multiple Signatures Required Accounts, the following paragraph applies: If two or more parties have signed an Application and Agreement with respect to one or more accounts, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act hereunder, each person signing the Membership Application and Agreement jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If an account is designated as a Multiple Signatures Required Account, the following paragraph applies: If two or more parties have signed a signature card, you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the owners of the account agree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the signatoriesCredit Union by any party, shall be owned by all of you jointly with full right of survivorship. It is agreed that all living parties must sign any request for a withdrawal and that transactions on the account may only be conducted in person at the Credit Union’s office. All but not less than all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without the consent of all living joint owners and prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demandsregardless of who contributed them. Except as modified in this Agreement, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed Public Acts of 1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and commonly known as the financial professionalCredit Union Multiple-Party Accounts Act. It An account owned by a person that is understood not a natural person (that the lien be in addition to and is, an account owned by a corporation or other legal entity or by a trust) may not in substitution of the rights and remedies the financial professional would otherwise havehave joint owners. It is further agreed that the estate of Beneficiary Designation. When opening an account or, if all owners agree, at any time thereafter, you may designate one or more persons as beneficiaries of the account holders who have died will be liableunder the Michigan Credit Union Beneficiary Accounts Act (Public Act 31 of 1992), and each survivor will continue to be liable, jointly and severally, to being M.C.L. 490.81 et seq. Upon the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional death of the written notice of the death, incurred in the liquidation last surviving owner of the account, the surviving beneficiaries shall become the owners of the account. If there is more than one surviving beneficiary, the account shall be divided equally between them, and each beneficiary shall be the sole owner of that beneficiary’s share. In accordance with the Credit Union Beneficiary Accounts Act, there shall be no joint ownership among beneficiaries. Beneficiary designations shall not apply to a checking account unless there is a specific designation to the contrary on the Membership Card. The Credit Union is not obligated to notify any beneficiary/payee of the existence of any account or the adjustment vesting of the interests beneficiary/payee's interest in any account, except as otherwise provided by law. The Credit Union reserves the right to require documentation in order to confirm that an account has become properly payable to a beneficiary or beneficiaries. An account owned by a person that is not a natural person (that is, an account owned by a corporation or other legal entity or by a trust) may not have beneficiaries. Accounts for Minors. We may require any account established by a minor to be a multiple party account with an owner who has reached the age of majority under Michigan law and who shall be jointly and severally liable to us for any returned item, overdraft, or unpaid charges or amounts on such account. Except where expressly provided otherwise, we may pay funds directly to a minor without regard to his or her minority. Unless a guardian or parent is an account owner, the guardian or parent shall not have any account access rights. We have no duty to inquire about the use or purpose of any transaction. We will not change the account status when the minor reaches the age of majority, unless authorized in writing by all account owners. Agency Designation on an Account. An agency designation on an account is an instruction to us that the owner authorizes another person to make transactions as agent for the account owner regarding the accounts designated. An agent has no ownership interest in the account(s) or Credit Union voting rights. We have no duty to inquire about the use or purpose of any transaction made by the agent. The Credit Union shall not be liable for loss resulting from the misappropriation of funds withdrawn from an account by an authorized agent. Legal Process. If any legal action is brought involving your account, we may pay out funds according to the terms of the respective partiesaction or refuse any pay out until the dispute is resolved. Any expenses or attorney fees we incur responding to legal process may be charged against your account without notice, unless prohibited by law. In lieu of expenses other than attorneys’ fees, we may charge a Legal Process Fee as set forth on the Fee Schedule. Any legal process against your account is subject to our lien and security interest. Taxpayer Identification Numbers and Backup Withholding. Your failure to furnish a correct Taxpayer Identification Number (TIN) or meet other Internal Revenue Code requirements may result in backup withholding. If your account is subject to backup withholding, we must withhold and pay to the Internal Revenue Service (IRS) a percentage of dividends, interest and certain other payments. If you have designated on a W-9 or W-8BEN that you have applied for a TIN, you must provide the TIN within 60 days. Upon the expiration of the 60-day period, the Credit Union may begin withholding from your account. Special Account Instructions. You may request that we facilitate certain business, trust, will, or court-ordered account arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your business, trust, will, or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a bond or other protection. Changes Requested by You. Account changes requested by you, such as adding or closing an account or service, must be submitted in writing, signed, and accepted by us.

Joint Accounts. For Joint account customers agreeAccounts, that the signatories, each Joint Accountholder will be jointly and severallyseverally liable (in Quebec, solidarily) to us to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and will agree to all the terms and conditions in this Agreement, irrespective of which one of you undertook the obligation or incurred the liability. Each of you will have the authority on behalf same access to historical and current transaction details or any other details relating to the Joint Account. Each of the account to do all acts and have all rights, responsibilities and obligations you expressly agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional Joint Account will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice owned by each of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the you as joint tenants with full rights of survivorship, and not as tenants-in-common, and that we are entitled to treat any interest in the Joint Account in this manner. We may accept any instructions from any one of you, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Digital Banking Services described below, or accepting any direction in respect of the Joint Account without requiring the authorization or consent of the other Joint Accountholders, subject to any matter concerning written instructions by both you and the joint accountother Joint Accountholders to the contrary. You agree that if one Joint Accountholder is removed from the Joint Account by agreement of all other Joint Accountholders, or if determine a Joint Accountholder be removed in our sole discretion, acting reasonably, then the Joint Account will be closed. If the any Joint Tenants with Right of Survivorship box has been marked, on the death of any account holderAccountholder dies, the deceased partyJoint Accountholder’s ownership of interest in the account passes Joint Account will pass automatically to the surviving account holders. The Joint Accountholders, without releasing the deceased Joint Accountholder or their estate from any liability with respect to said account shall be joint and several. All property shall be subject to a lien in arising from the financial professional’s favor for the discharge Joint Account until such time that we have received satisfactory evidence of the obligations owed the financial professionaldeath. It is understood that the lien We will not be liable for any loss, damages or legal costs incurred in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that any dispute between the estate of any the deceased Joint Accountholder, the surviving Joint Accountholders or third party arising from us acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. Joint account customers agree, that the signatories, jointly and severally, have the authority on behalf Any or all owners can make deposits or withdrawals regardless of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each contributions from a joint account customer will have authority on behalf (also referred to as a multiple party account). Each owner guarantees the signature of the account to buy, sell all other owner(s) and otherwise deal in securities; to receive on behalf appoints all other owners as agents. The member may by written order remove any joint owner of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This Joint owners by written order may remove themselves. We may accept orders, instructions and requests for future services from any account owner, which shall be binding on all be done owners. Any account owner may withdraw all funds, stop payment of items or Transactions (regardless of who ordered the payment), transfer or pledge to us all or any part of the shares in any account and block, terminate or discontinue or close any Transaction or service without notice the consent of the other owner(s) and the Credit Union shall have no duty to others interested in notify any other joint account owner(s). We have no obligation to notify the account. Your Financial Professional is authorized to follow the instructions other account owner(s) of any pledge or other actions, orders or instructions by any owner. Each owner is jointly and severally liable for all returned items, overdrafts or any other obligations owed to the Credit Union as a result of any Transaction(s) on a joint account, regardless of the account holders in every respect concerning drawer, user or authorized user who orders or causes said Transaction(s). If the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional Credit Union receives written notice of revocation. Your Financial Professionala dispute between account owners or receives inconsistent instructions from them, howeverwe may suspend or terminate the account, is authorizedrequire a court order to act, at the account holders’ discretion, to or require that all joint account action by the joint tenants with respect owners agree in writing to any matter transaction concerning the joint account. If Unless your account card specifically indicates otherwise, you agree that it’s your intention to create a joint tenancy with the Joint Tenants with Right right of Survivorship box has been markedsurvivorship (a form of ownership) for any joint account and if one or more of the multiple party owners dies, on the death of any account holder, the deceased party’s ownership of his or her interest in the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be remaining owners, unless subject to our right of set-off or a lien pledge of the funds in the financial professional’s favor for account(s), in which case all sums in the discharge account(s) will belong to the Credit Union regardless of contributions, up to the amount of the obligations owed the financial professionalobligation(s) owed. It is understood that the lien be in addition We may not release any funds to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each a survivor will continue until all required legal documents are delivered to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesus.

Joint Accounts. Joint Control # If your account customers agreeis a joint account, that the signatories, jointly and severally, have the authority on behalf any one of the account owners may, without notice to the other account owners, enter separate service agreements that bind all account owners, initiate withdrawals or close the account, add authorized signers to the account, write items against the account or place stop payment orders (whether or not drawn by the requesting account owner). Each joint account owner authorizes the other account owner(s) to endorse items in that person’s name and to cash the items or deposit them into the joint account, with or without an endorsement. Each joint account owner is jointly and severally liable to us for any and all overdrafts tothe account, and/or other fees, charges or losses relating tothe account. Endorsements‌ You warrant that all endorsements on items deposited to your account are genuine and further warrant that you are authorized to negotiate and/or deposit any items that contain no endorsements. We may add your endorsement and/or collect items deposited to your account without your endorsement . We also may require your personal endorsement prior to accepting an item for deposit. If you deposit an item that bears the endorsements of more than one person or persons who are not known to us, we may refuse the item, require all endorsers to be present, or require that the endorsements be guaranteed by another financial institution acceptable to us before we accept theitem. We are not bound by anyconditional or restrictive endorsements on a check you cash or deposit, or by any endorsement “without recourse .” You represent and warrant that any third party checks you deposit to your account will be endorsed or authorized for deposit by all payees prior to deposit. We may refuse to deposit third party checks or joint payee checks in our discretion. To the extent legally permitted, each co- owner of an account appoints the other co-owner as his or her attorney-in-fact with full power to endorse the name of any co-owner on any item for deposit, or to deposit without endorsement any such item, into the account or cash the item . You agree to indemnify, defend, and hold us harmless from and against any and all losses, damages, claims, costs or expenses (including attorneys’ fees and costs) incurred by us in connection with your deposit or a joint payee check or third party check without proper endorsement or authorization, or your failure to endorse an item exactly as it is drawn or for any item that is alleged to have a forged, missing or unauthorized endorsement. This provision shall survive the termination of this Agreement. Direct Deposit‌ If, in connection with a direct deposit plan, we deposit or credit any amount in your account which should have been returned to the state or federal government or any other third party for any reason, you authorize us to deduct the amount from your account or from any other account you have with us without prior notice and at any time, except as prohibited by law. You also authorize us to use any other legal remedy to recover the amount of our liability. Items Sent For Collection‌ We may refuse to accept a check or other item for deposit or may accept it on a collection basis only. This sometimes occurs with foreign, questionable or damaged items. If we accept an item for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before we receive the funds, we may charge the amount back against your account if we do all acts and not receive payment for any reason . We are obligated only to use ordinary care in collecting items on your behalf. You agree that we have all rights, responsibilities and obligations sole discretion to determine whether to accept an item or check for deposit or collection. We may notify you that an individual account holder may have. Joint account customersitem is not a deposit, jointly and severallybut rather a collection item, agree that each joint account customer will have authority on behalf of as soon as practicable after we determine to handle the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account item as fully and completely as if the Customer alone were interested in the accounta collection item. This may all include after you have left a branch office. Items drawn on an institution located outside the United States are handled on a collection basis only. We and other institutions may each impose a fee in connection with sending and receiving items for collection. Please see the Fee Schedule (“Check/Draft Collections Domestic/Int'l”) . You waive any notice of nonpayment, dishonor, or protestregardinganyitemspurchased or received by us forcredit toyouraccount or for collection. An item or check accepted for collection will not be done without notice deemed accepted for deposit for purposes of Regulation CC and is not governed by our fundsavailability policy. Verification and Collection‌ Any item that we cash or accept for deposit is subject to others interested later verification and final payment. We may deduct funds from your account if an item is lost, stolen or destroyed in the accountcollection process, if it is returned to us unpaid, or if it was improperly paid, even if you have already used the funds . Your Financial Professional is authorized You are responsible for the condition of an item when you issue it, or present it for deposit to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right an item is returned or payment is delayed as a result of Survivorship box has been marked, any writing or marking that you or a third party placed on the death of any account holder, the deceased party’s ownership front or back of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died item, you will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional responsible for any net debit balance resulting from transactions initiated prior costs or liabilities incurred as a result . Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the receipt by the financial professional of the written notice of the deathcheck is returned to us for any reason (for example, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesbecause it is counterfeit) .

Joint Accounts. Joint account customers agreeIf this is a joint account, that the signatories, each of you will be jointly and severallyindividually responsible for all amounts due on this Account. On request by any party to the Account or on receipt of inconsistent instructions, have the authority on behalf of the account to do all acts we may, at our option and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized any other party, refuse to follow the instructions of permit any of the account holders in every respect concerning the joint account. In the event of deliveries of securities purchase, or payments to refuse any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants other request with respect to the Account. MISCELLANEOUS: Loss or damage of goods will not release you from the obligation to pay, after you have accepted delivery of the goods. We are authorized to take all necessary action to perfect and continue perfection of our security interest in all goods purchased pursuant to this Agreement. We may disregard any matter concerning statement on or accompanying a check written in payment of amount owed under your Account if the joint accountstatement is to the effect that the payment constitutes “payment in full“ of the amount owed, and we may deposit such check without giving notice to you. Your Account will not be considered “paid in full“ until the unpaid balance and any applicable FINANCE CHARGES or other charges have been paid. If you dispute any charges on your Account, you must follow the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien procedures described in the financial professional’s favor for “Your Billing Rights“ section below to resolve the discharge disputed charge. We can waive or decline to enforce any of the obligations owed the financial professionalour rights under this Agreement at any time without losing them. It is understood that the lien be in addition to and not in substitution of the NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and remedies our responsibilities under the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesFair Credit Billing Act.

Joint Accounts. If more than one individual has entered into terms and conditions relating to the Account or completed a personal account application form, then the Account shall be a “Joint account customers agreeAccount” and each individual signatory shall be a Customer for the purposes of this Agreement. Each Customer shall be jointly and severally liable (in Quebec, solidarily) to the Bank to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and shall agree to all the terms and conditions in this Agreement, irrespective of which signatory to the Account undertook the obligation or incurred the liability. Each Customer shall have access to historical and current transaction details or any other details relating to the Joint Account, and each Customer agrees that the signatories, jointly and severally, other may have the authority on behalf of the account to do all acts same access. Each Customer expressly intends and have all rights, responsibilities and obligations agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all Joint Account shall be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action owned by the them as joint tenants with full rights of survivorship, and not as tenants-in-common, and that the Bank is entitled to treat any interest in the Joint Account in this manner. The Bank may accept any instructions from either Customer, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Digital Banking Services described below, or accepting any direction in respect of the Joint Account without requiring the authorization or consent of the other Customer, subject to any matter concerning written instructions by both Customers to the joint accountcontrary. Each Customer agrees that if one Customer is removed from the Joint Account by agreement of both Customers, or in the sole discretion of the Bank, acting reasonably, the Joint Account shall be closed. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdereither Customer dies, the deceased partyCustomer’s ownership of interest in the account passes Joint Account shall pass automatically to the surviving account holdersCustomer, without releasing the deceased Customer or their estate from any liability arising from the Joint Account until such time that the Bank has received satisfactory evidence of the death. The liability with respect to said account Bank shall not be joint and several. All property shall be subject to a lien liable for any loss, damages or legal costs incurred in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that any dispute between the estate of any the deceased Customer, the surviving Customer or third party arising from the Bank acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. Joint If you maintain a joint account, unless you noti- fy DOBS otherwise and provide such documentation as DOBS re- quires, your account customers agreeshall be held by you jointly with rights of sur- vivorship. Each joint tenant irrevocably appoints the other as at- xxxxxx-in-fact to take all action on his or her behalf and to represent him or her in all matters with respect to this agreement. You agree to indemnify Datek Online and we shall be fully pro- tected in acting upon the instructions of either of you. This includes the sending of confirmations, that the signatoriesstatements, jointly and severallynotices or other commu- nications to either of you, have the authority on behalf of the account or in making delivery to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf any of the joint account demands, notices, confirmations, reports, statements owners of account, any and communications of every kind; all securities and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested other property in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities , or making payments to any of the joint owners of any or all monies in the account partiesas any of the joint owners may order and direct, your Financial Professional will or specifically fulfilling obligations pertaining to and/or as a result of any check writing privileges of either joint tenant. Datek Online shall be under no duty or obligation to inquire into those as to the purpose of any such demand for deliveries or and payments. Joint authority will remain in force until your Financial Professional receives written notice Each of revocationyou shall be jointly and severally liable for any amounts due to Datek Online pursuant to this agreement, whether incurred individually or by both of you. Your Financial Professional, however, is authorized, at In the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right event of Survivorship box has been marked, on the death of any account holderof the joint owners, the deceased party’s ownership surviving joint owner(s) shall immediately give DOBS proper written notice thereof, and Datek Online may, before or after receiving such no- tice, take such proceedings, require such documents, retain such portion of and restrict transactions in the account passes as we deem ad- visable, in our sole discretion, to the surviving account holdersprotect ourselves against any tax liability, penalty or loss under any present or future laws or other- wise. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will deceased joint owner shall be liable, liable and each survivor will continue to be liable, jointly and severally, to the financial professional Datek Online for any net debit balance debt or loss in the account resulting from the completion of transactions initiated prior to the Datek Online's receipt by the financial professional of the a written notice of the death, or for debt or loss incurred in the liquidation of the account, account or the adjustment of the interests of the respective partiesjoint owners.

Joint Accounts. Joint account customers agreeIf two or more parties have signed a signature card, that you are creating, and intend to create, a "joint tenancy with rights of survivorship." That is, you as the signatories, jointly and severally, have the authority on behalf owners of the account agree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to do now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, of you jointly and severally, agree that each joint account customer will have authority on behalf with full right of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of accountsurvivorship, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien withdrawal or receipt by any of you in the financial professional’s favor for the discharge whole or in part. Any owner may withdraw all funds, stop payment on items, transfer or pledge to us all or any part of the obligations owed shares without the financial professional. It is understood that the lien be in addition to and not in substitution consent of the rights other owner(s). We have no duty to notify any owners about any transaction. We reserve the right to require written consent of all owners for any change to or termination of an account. Payment to any of you or the survivor(s) of you, or your personal representatives, administrators or assigns of the last survivor(s) of you, shall be valid and remedies discharge the financial professional would otherwise haveCredit Union from any liability for such payment and amount. It is further agreed that To induce us to act thereunder, each person signing the estate of signature card jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorney’s fees, except as may be limited by applicable law. Any or all of the joint owners may pledge all or part of the shares or deposits in the account holders who have died will as collateral for security on a loan(s). No authority or obligation of the Credit Union may be liablechanged or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each survivor will continue to be liable, jointly and severally, joint owner is subject to the financial professional for terms and disclosures of this Agreement, and hereby acknowledges receipt thereof. With the exception of Certificate Accounts or as otherwise prohibited by law, any net debit balance resulting from transactions initiated prior joint owner on an account is also a joint owner on all sub-accounts listed under that account number. POD/Trust Account Designation. A Payable on Death (POD) account or trust account designation is an instruction to the receipt Credit Union that an individual or joint account so designated is payable to the owner(s) during his, her or their lifetimes and, when the last account owner dies, payable to any named and surviving POD or trust beneficiary/payee. Accounts payable to more than one surviving beneficiary/payee are owned jointly by the financial professional such beneficiaries/payees without rights of survivorship. The Credit Union is not obligated to notify any beneficiary/payee of the written notice existence of any account or the vesting of the death, incurred beneficiary/payee's interest in the liquidation of the any account, except as otherwise provided by law. Any POD or the adjustment of the interests of the respective partiestrust beneficiary payee designation shall not apply to Individual Retirement (IRA) Accounts.

Joint Accounts. a. If this is a Joint account customers agreeAccount, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, we agree that each joint account customer will of us shall have the authority on behalf of the account to buy, sell (including short sales), and otherwise deal in in, through you as brokers, securities, options or other property on margin or otherwise; to receive on behalf of for the joint account demands, noticesaccount, confirmations, reports, statements of account, and communications of every kind; to receive for the account and to dispose of money, securities and other property; to make, terminate, or modify for the account, agreements relating to these matters or waive any of the provisions of such agreements; and generally to deal with the financial professional on behalf of the joint account as fully and completely you as if the Customer each of us alone were interested in the account. This may account owner, all be done without notice to others interested in the other account owners. We agree that notice to any account owner shall be deemed to be notice to all account owners. Each account owner shall be jointly and severally liable for this account. Your Financial Professional is authorized to b. You may follow the instructions of any of the us concerning this account holders in every respect concerning the joint account. In the event and make deliveries to any of deliveries us, of any or all securities or other property in this account, and make payments to any of the joint us, of any or all monies in this account as any of us may order direct, even if such deliveries and/or payments shall be made to one of us personally or to third parties, your Financial Professional will . You shall be under no duty or obligation to inquire into those deliveries the purpose of any such demand for delivery of securities, property, or paymentspayment of monies, and you shall not be bound to see to the application or disposition of the said securities, property and/or monies so delivered or paid to any of us. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial ProfessionalNotwithstanding the foregoing, however, is you are authorized, at the account holders’ in your discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account, including the giving or cancellation of orders and the withdrawal of monies, securities or other property. If c. In the Joint Tenants with Right event of Survivorship box has been marked, on the death of any account holderof us, the deceased party’s ownership survivor(s) shall immediately give you written notice thereof, and you may, before or after receiving such notice, take such proceedings, require such documents, retain such portion of the account passes and/or restrict transactions in the account as you may deem advisable to the surviving account holdersprotect you against any tax, liability, penalty or loss under any present or future laws or otherwise. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders us who shall have died will shall be liable, liable and each survivor will continue to be liable, jointly and severally, to the financial professional you for any net debit balance debt or loss in this account resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, account or the adjustment of the interests of the respective parties. d. Any taxes or other expenses becoming a lien against or being payable out of the account as a result of the death of any of us, or through the exercise by his or her estate or representatives of any rights in the account shall be chargeable against the interest of the survivor(s) as well as against the interest of the estate of the decedent. This provision shall not release the decedent’s estate from any liability provided for in this agreement.

Joint Accounts. Joint account customers agreeFor joint accounts, that the signatories, jointly and severally, have the authority on behalf of the account to do all acts and have all rights, responsibilities and obligations that an individual each joint account holder may have. Joint account customers, jointly and severally, agree agrees that each joint account customer will holder shall have authority on behalf of authority, without notice to the account to buy, sell and otherwise deal in securities; to receive on behalf of the other joint account demandsholder to: (i) buy and sell securities, noticesoptions, or other investment products on margin, or otherwise, depending on the type of account; (ii) receive confirmations, reports, statements of account, and communications of every kindkind related to the account; (iii) receive and dispose of money, securities and/or other property in the account; (iv) make, terminate, or agree to a modification of this Agreement; (v) waive any of the provisions of this Agreement; and (vi) generally to deal with the financial professional on behalf of the us as if each joint account as fully and completely as if holder alone was the Customer alone were interested in sole holder of the account. This may all be done without We will not notify other joint account holders of the actions of any other joint account holder. Each joint account holder agrees that notice to others interested in any joint account holder shall constitute notice to all joint account holders. Each joint account holder further agrees that he or she shall be jointly and severally liable to us with respect to all matters relating to the account. Your Financial Professional is authorized to We may follow the instructions of any of the joint account holders in every respect concerning the account and make delivery to any of the joint account holders of any and all securities and/or other property in the account. In the event of deliveries of securities or , and make payments to any of the joint account partiesholders, your Financial Professional will of any or all monies in the account as any of the joint account holders may order and direct, even if such deliveries and/or payments shall be under no duty or obligation made to inquire into those deliveries or paymentsonly one of the joint account holders personally. Joint authority will remain in force until your Financial Professional receives written In the event that we receive notice of revocation. Your Financial Professional, however, is authorized, at the a dispute between or conflicting instructions from joint account holders’ discretion, to require we may (but are not required to) place restrictions on the account, including restrictions on withdrawals or transfers from an account, until we receive satisfactory documentation that the dispute has been resolved or all joint account action by holders give us joint instructions. In the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right event of Survivorship box has been marked, on the death of any of the joint account holderholders, the deceased party’s ownership of the surviving joint account passes to the surviving account holdersholders shall immediately give us notice. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the deceased joint account holders who have died will holder shall be liable, liable and each survivor will continue to be liable, jointly and severally, to the financial professional us for any net debit balance resulting from transactions initiated prior to debt or loss in the receipt by the financial professional of the written notice of the death, account or debt or loss incurred in the liquidation of the account, account or the adjustment of the interests of the respective partiesjoint account holders. Unless the joint account holders indicated to the contrary when the account was opened, we may presume that it is the express intention of the joint account holders to hold the account as joint tenants with rights of survivorship. In the event of the death of any of the joint account holders, the entire interest in the account shall be vested in the surviving joint account holders on the same terms and conditions as theretofore held, without in any manner releasing the deceased joint account holder’s estate from liability.

Joint Accounts. If more than one individual has entered into terms and conditions relating to the Account or completed a personal account application form, then the Account shall be a "Joint account customers agreeAccount" and each individual signatory shall be a Customer for the purposes of this Agreement. Each Customer shall be jointly and severally liable (in Quebec, solidarily) to the Bank to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and shall agree to all the terms and conditions in this Agreement, irrespective of which signatory to the Account undertook the obligation or incurred the liability. Each Customer shall have access to historical and current transaction details or any other details relating to the Joint Account, and each Customer agrees that the signatories, jointly and severally, other may have the authority on behalf of the account to do all acts same access. Each Customer expressly intends and have all rights, responsibilities and obligations agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all Joint Account shall be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action owned by the them as joint tenants with respect full rights of survivorship, and not as tenants-in-common, and that the Bank is entitled to treat any interest in the Joint Account in this manner. The Bank may accept any instructions from either Customer, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Online Banking Services described below, or accepting any direction in respec t of the Joint Account without requiring the authorization or consent of the other Customer, subject to any matter concerning written instructions by both Customers to the joint accountcontrary. Each Customer agrees that if one Customer is removed from the Joint Account by agreement of both Customers, or in the sole discretion of the Bank, acting reasonably, the Joint Account shall be closed. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdereither Customer dies, the deceased party’s ownership of Customer's interest in the account passes Joint Account shall pass automatically to the surviving account holdersCustomer, without releasing the deceased Customer or their estate from any liability arising from the Joint Account until such time that the Bank has received satisfactory evidence of the death. The liability with respect to said account Bank shall not be joint and several. All property shall be subject to a lien liable for any loss, damages or legal costs incurred in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that an y dispute between the estate of any the deceased Customer, the surviving Customer or third party arising from the Bank acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. Joint account customers agreeAccount Type: o JOINT “AND” o JOINT “OR” Each TRUSTOR represents to be of legal age or have the capacity to enter into legally binding contracts. It is understood that in cases where the TRUSTEE receives notice of any claim or dispute relating to the ownership or operation of the FUND, either between or among the TRUSTORS or involving a third party, or the TRUSTEE receives a court order authorizing the release of funds to one, some or all TRUSTORS, the TRUSTEE shall have the right, but without any obligation to do so, to take any action it deems necessary and appropriate under the circumstances, including the institution of any suit to resolve the conflict or dispute, or the TRUSTEE may, in its sole and absolute discretion, release the proceeds to any one of the TRUSTORS, alternatively or concurrently. In this regard, the TRUSTOR shall hold the TRUSTEE free and harmless from any and all liabilities, damages, costs and expenses which the TRUSTEE, its directors, officers, employees, or representatives may incur or suffer arising from the freezing of the investment or proceeds or any action taken by the TRUSTEE in its discretion. The TRUSTORS hereby certify and declare, under penalties of perjury, that every time a redemption is made, the signatories, jointly and severally, have the authority on behalf other TRUSTOR/S is/are still living as of the account to do all acts date and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf time of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of accountsuch redemption, and communications the TRUSTEE may, at its discretion, rely on such certification and declaration and the TRUSTORS agree to keep the TRUSTEE free and harmless from any liability that may arise as a result of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint accountsuch reliance. In the event of deliveries death of securities or payments to any of the joint TRUSTORS, the TRUSTEE shall be promptly notified of such death in writing by the surviving TRUSTOR/s. FOR JOINT “AND” ACCOUNTS: The TRUSTORS agree with one another and with the TRUSTEE that all moneys heretofore, now or hereafter deposited, invested or participated by them or any of them in the FUND are and shall be received and held by the TRUSTEE with the understanding and upon the condition that said moneys deposited without reference to previous ownership shall be the property of all TRUSTORS jointly. All transactions, instructions, redemptions, requests, notices or communications shall be made in writing by all JOINT TRUSTORS. The TRUSTROS hereby agree that upon the death of any one of the TRUSTORS, the investments shall be payable to and collectible jointly by the surviving TRUSTORS and the legal heirs of the deceased TRUSTOR upon compliance with the TRUSTEE’s requirements and the settlement of taxes on the investment, if any. The surviving TRUSTOR/s hereby hold the BANK free and harmless and indemnified from any and all taxes, claims/debts and liabilities arising from or in connection with the release of the proceeds of the investments in accordance with this provision. FOR SOLIDARY “OR” ACCOUNTS: The SOLIDARY TRUSTORS agree with one another and with the TRUSTEE that the investments, and any addition and income thereto, shall be received and held by the TRUSTEE with the understanding and upon the condition that said funds without reference to the previous ownership shall be the property of the SOLIDARY TRUSTORS as solidary owners. All transactions, instructions, redemption, termination, requests, notices or communications regarding the investments shall be allowed upon the instructions of any one of the SOLIDARY TRUSTORS, it being understood that the SOLIDARY TRUSTORS constitute and appoint each other as attorney-in-fact and the TRUSTEE is authorized to accept and act upon such instructions, all without inquiry or regard by the TRUSTEE with respect to the use or disposition of the funds so redeemed, withdrawn, paid out, disbursed, assigned or encumbered without incurring any liability. This designation, appointment and authority shall also include, but not limited to, the following acts or documents: (i) pre-termination, termination or closure of the Account; (ii) redemption of all the investments; (iii) instruction to change address or requests for statement of account parties(SOA) or bank certifications or any other instructions concerning the operation of the investments; (iv) enroll any or all Confirmation of Participation subject to this Agreement to TRUSTEE’s UITF online platform; (v) change the assigned settlement account; (vi) Affidavit of Loss and request for replacement of Confirmation of Participation; (vii) submission of a Special Power of Attorney authorizing a third party to redeem, your Financial Professional will be under no duty withdraw the investments or obligation make any other transaction relating to inquire into those deliveries the investment; and (viii) instruction to add a TRUSTOR or paymentsdelete a TRUSTOR from the account. Joint authority will remain This notwithstanding, the TRUSTEE reserves the right, in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ its discretion, to require joint account the written consent or approval of all SOLIDARY TRUSTORS for any action taken by any of the SOLIDARY TRUSTORS in connection with the FUND. The TRUSTOR/S hereby hold the TRUSTEE, its directors, officers and employees free and harmless from any claims, liabilities, and causes of action arising out of reliance on the authority given by the joint tenants with respect to any matter concerning the joint accountTRUSTORS. If the Joint Tenants with Right of Survivorship box has been marked, on The TRUSTORS hereby agree that upon the death of any account holderof the TRUSTORS, the deceased party’s ownership proceeds of the account passes investments shall be payable to and collectible by the surviving account holdersTRUSTOR/S subject to compliance with the TRUSTEE’s requirements and settlement of taxes due on the investments, if any. The liability surviving TRUSTOR hereby hold the TRUSTEE free and harmless and indemnified from any and all taxes, claims/debts and liabilities arising from or in connection with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesthis provision.

Joint Accounts. You acknowledge and agree that where the Account which is accessible through the Service is a joint account, you shall be fully responsible for the instructions, transactions, liabilities and obligations of the other Account holder(s) howsoever arising on a joint and several basis. For Joint account customers agreeOR Accounts, you further acknowledge and agree that, notwithstanding anything to the contrary, if you have a joint Account that may allow or require two or more signatories, any ONE (1) person that has an assigned Online-ID and Password/PIN can access the Service and obtain Account information and transfer any and all funds from the Account to any individual, firm or corporation. You hereby irrevocably waive any obligation for the Bank to require two or more signatories to execute any instructions sent via the Service and you agree to indemnify and hold the Bank harmless from and against any and all claims, losses, damages, costs and expenses relating thereto. For Joint AND Accounts, you further acknowledge and agree that, notwithstanding anything to the contrary, if you have a joint Account that requires two or more signatories for transactions, any ONE (1) person that has an assigned Online- ID and Password/PIN can access the Service and obtain Account information and initiate instructions or transactions to transfer any and all funds from the Account to any individual, firm or corporation. All other joint Account holders will be required to log on to the Service utilizing their own Online-ID and Password/PIN to authorise the initiated instruction or transaction. You agree that the signatoriesBank shall not be obligated to act upon any such initiated instruction or transaction until the aforementioned authorization(s) from the other joint Account holder(s) has been received by the Bank and the Bank shall not be responsible for any claims, jointly losses, damages, costs and severally, have expenses relating thereto. You hereby authorise and direct the authority on behalf Bank to execute any and all transactions authorised as set forth in this paragraph and irrevocably waive any other obligations of the account Bank relating thereto and agree to do indemnify and hold the Bank harmless from and against any and all acts claims, losses, damages, costs and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiesexpenses relating thereto.

Joint Accounts. Joint account customers agreeIf this Account is maintained in the name of two or more persons, that the signatories, each Account holder agrees to be individually and jointly and severally, have the authority on behalf of the account to do liable for all acts and have all rights, responsibilities and obligations that an individual account holder may haveunder this Agreement. Joint account customers, jointly and severally, agree that each joint account customer Each Accountholder will have authority on behalf of the account authority, acting individually, and without notice to any other Accountholder, to give instructions, buy, sell sell, and otherwise deal in securities; to receive on behalf of the joint account demandsSecurities and/or Other Property, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with us with regard to the financial professional on behalf of the joint account Account as fully and completely as if the Customer each Accountholder alone were interested in the accountAccount. This may all be done without notice to others interested in the account. Your Financial Professional is authorized You authorize us to follow the instructions of any of Accountholder and to deliver funds, securities, or other assets held in the account holders Account to any Accountholder or in every respect concerning the joint account. In the event of accordance with any Accountholder's instructions, even if such deliveries of securities or and/or payments shall be made to any of you personally, and not for the Joint Account. You further authorize us to receive into the Account any Securities and/or Other Property delivered to it by or for either of you without delineation as to actual ownership of the property. In any situation where we cannot determine to our satisfaction the proper distribution of property from a Joint Account upon the death of one owner, we may, at our sole discretion, freeze the Account indefinitely pending a resolution deemed satisfactory to us or a final decision of an arbitrator or court having jurisdiction over the matter. We are not responsible for determining the purpose or propriety of any instruction we receive from any Accountholder or for the disposition of payments or deliveries among joint account parties, your Financial Professional Accountholders. Any notice we send to one Accountholder will be under no duty deemed to be notice to all Accountholders. You further authorize us to receive into the Account any Securities and/or Other Property delivered to us by or obligation for any Accountholder without delineation as to inquire into those deliveries actual ownership of the property. At any time, we may, in our sole discretion, require joint or paymentscollective action by all Accountholders. Joint authority will remain You authorize us, in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ our sole discretion, to require joint account action by do any one or more of the joint tenants with respect following: (i) select which instructions to any matter concerning the joint account. If follow; (ii) suspend all activity in the Joint Tenants with Right Account, except upon further written instructions signed by all of Survivorship box has been marked, on the death you or upon instructions of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective parties.court;

Joint Accounts. If more than one individual has entered into terms and conditions relating to the Account or completed a personal account application form, then the Account shall be a "Joint account customers agreeAccount" and each individual signatory shall be a Customer for the purposes of this Agreement. Each Customer shall be jointly and severally liable (in Quebec, solidarily) to the Bank to perform all the obligations, be liable for all liabilities related to the Joint Account under this Agreement and shall agree to all the terms and conditions in this Agreement, irrespective of which signatory to the Account undertook the obligation or incurred the liability. Each Customer shall have access to historical and current transaction details or any other details relating to the Joint Account, and each Customer agrees that the signatories, jointly and severally, other may have the authority on behalf of the account to do all acts same access. Each Customer expressly intends and have all rights, responsibilities and obligations agrees that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested any interest in the account. This may all Joint Account shall be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action owned by the them as joint tenants with full rights of survivorship, and not as tenants-in-common, and that the Bank is entitled to treat any interest in the Joint Account in this manner. The Bank may accept any instructions from either Customer, including honouring an Instrument, processing transactions in connection with Electronic Banking Services and Digital Banking Services described below, or accepting any direction in respect of the Joint Account without requiring the authorization or consent of the other Customer, subject to any matter concerning written instructions by both Customers to the joint accountcontrary. Each Customer agrees that if one Customer is removed from the Joint Account by agreement of both Customers, or in the sole discretion of the Bank, acting reasonably, the Joint Account shall be closed. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holdereither Customer dies, the deceased party’s ownership of Customer's interest in the account passes Joint Account shall pass automatically to the surviving account holdersCustomer, without releasing the deceased Customer or their estate from any liability arising from the Joint Account until such time that the Bank has received satisfactory evidence of the death. The liability with respect to said account Bank shall not be joint and several. All property shall be subject to a lien liable for any loss, damages or legal costs incurred in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that any dispute between the estate of any the deceased Customer, the surviving Customer or third party arising from the Bank acting on the right of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation of the account, or the adjustment of the interests of the respective partiessurvivorship.

Joint Accounts. Joint If the Applicant(s) has a joint account, this is your joint instruction and the account customers agreeoperated under this instruction shall be a joint account, regardless of how it may be named. Also: a. Unless otherwise designated on any other signing authority document, any xxxxxx may withdraw or write cheques or instruments, or process other authorized debit transactions, whether electronic, voice response, written or otherwise, on any account. Such withdrawal or payment is valid and shall release and discharge the Credit Union from any liability; b. The Credit Union is authorized to credit to the account any deposit made by any one or more of you including all monies and the proceeds of any instrument. The Credit Union is also authorized to credit to the account any like deposit made by any other person for the credit of any one or more of you. The Credit Union may endorse any instrument for any one or more of you, and the Credit Union may charge to the account any instrument credited as aforesaid that the signatories, is returned unpaid; c. You jointly and severally, have severally agree to pay any overdraft or other indebtedness or liability to the authority on behalf Credit Union arising out of the operation of the account as provided in this agreement; d. In the case where the account involves two or more sole proprietors, the account shall be without survivorship unless otherwise designated. In the case of a partnership the survivorship shall be dictated by the partnership agreement or other document and in the absence of any other designation shall be deemed to do all acts be without survivorship. In the case of an entity and have all rights, responsibilities and obligations that an individual or sole proprietor the account holder may haveshall be without survivorship unless otherwise designated. Joint Where there is a separate agreement in connection with a specific deposit the survivorship designation in that agreement shall apply. If the account customersis owned jointly without survivorship, upon the death of one of you, the account shall be paid upon joint direction from the remainder of you and the legal representatives of the estate of the deceased. If the account is owned jointly with right of survivorship that means that if one of you dies, all money in the account automatically becomes the property of the survivor(s) and severallyafter your death, agree that each joint account customer the Credit Union will only have authority on behalf of obligations with respect to the account to buy, sell and otherwise deal in securities; to receive on behalf of the joint account demands, notices, confirmations, reports, statements of accountsurvivor(s), and communications of every kind; and to anyone else making a claim against the account must deal with the financial professional on behalf survivors(s). Despite the above, if one of you dies, the Credit Union, in its sole discretion, may refuse to release funds in your accounts until it receives joint direction from the survivor(s) and the legal representatives of the joint account as fully and completely as if the Customer alone were interested in the accountdeceased. This may all be done without notice to others interested in the account. Your Financial Professional The Credit Union is authorized to follow release any information related to your joint account(s) or other joint dealings with the instructions Credit Union to the legal representative or the deceased joint owner up to the date of death. You indemnify and hold the Credit Union harmless from any responsibility, claim or loss whatsoever arising from or relating to the payment of funds from your joint account; e. Any one of you may sign receipts for vouchers and acknowledgments of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property shall be subject to a lien in the financial professional’s favor for the discharge of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable, and each survivor will continue to be liable, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt by the financial professional of the written notice of the death, incurred in the liquidation correctness of the account, or authenticity of vouchers and release as required by the adjustment of the interests of the respective partiesCredit Union. 31.

Joint Accounts. Joint If two or more parties have signed an Application and Agreement with respect to one or more accounts, you are creating, and intend to create, a “joint tenancy with rights of survivorship.” That is, you as the owners of the account customers agreeagree with yourselves and the Credit Union that all sums paid in shares or other deposits (as applicable), together with all accumulations, prior to now or hereafter, less setoffs as allowed by law for any sums due the Credit Union by any party, shall be owned by all of you jointly with full right of survivorship, and shall be subject to withdrawal or receipt by any of you in whole or in part. Payment to any of you or the survivor(s) of you, or the personal representative, administrator or assign of the last survivor of you, shall be valid and discharge the Credit Union from any liability for such payment and amount. Each signer appoints each other signer to be his or her irrevocable attorney in fact: to make deposits to the account; to endorse, for cash or deposit, any checks or other items whether payable to one of the signers alone or with others; and to receive and receipt for all funds all without obligation to us to inquire into the source or application of funds. To induce us to act hereunder, each person signing the Membership Application and Agreement jointly and singly agrees to hold the Credit Union harmless and indemnify us from loss, cost, and damage in all respects in connection with any of the foregoing, including court costs and attorneys’ fees, except as may be limited by applicable law. Unless specifically prohibited in writing from doing so, any or all of the joint owners may pledge all or part of the shares or deposits in the account as collateral for security on a loan(s). Any owner who is a surviving owner agrees that the signatoriesCredit Union to the extent allowed by law may set off any money in the account against any obligation of a deceased owner within thirty days after the Credit Union becomes aware of the deceased owner’s death unless such a setoff would not have been allowed during the deceased individual’s lifetime (such as would be the case with certain tax favored accounts). All owners who are surviving owners also agree that their interests in the account are subject to any security interest or pledge granted by a deceased owner, even if they individually did not consent to it. No authority or obligation of the Credit Union may be changed or terminated by one or more of the joint owners without prior written notice to the Credit Union, and no such change or termination shall affect transactions already made. Further, each joint owner is subject to the terms and disclosures of this Agreement, and hereby acknowledges receipt of the Agreement. We may refuse to authorize a withdrawal from a joint account when we have knowledge of a dispute between the joint accountholders until the matter is resolved. If a deposited item in a joint account is returned unpaid, the account is overdrawn, or if the Credit Union does not receive final payment on a transaction, the owners, jointly and severally, have are liable to the authority on behalf Credit Union for the amount of the returned item, overdraft, or unpaid amount and any charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to do the Credit Union, the Credit Union may enforce its rights against any account of an owner or all acts and have all rights, responsibilities and obligations that an individual account holder may have. Joint account customers, jointly and severally, agree that each joint account customer will have authority on behalf of the account to buy, sell and otherwise deal funds in securities; to receive on behalf of the joint account demandsregardless of who contributed them. Except as modified in this Agreement, notices, confirmations, reports, statements of account, and communications of every kind; and to deal with the financial professional on behalf of the joint account as fully and completely as if the Customer alone were interested in the account. This may all be done without notice to others interested in the account. Your Financial Professional is authorized to follow the instructions of any of the account holders in every respect concerning the joint account. In the event of deliveries of securities or payments to any of the joint account parties, your Financial Professional will be under no duty or obligation to inquire into those deliveries or payments. Joint authority will remain in force until your Financial Professional receives written notice of revocation. Your Financial Professional, however, is authorized, at the account holders’ discretion, to require joint account action by the joint tenants with respect to any matter concerning the joint account. If the Joint Tenants with Right of Survivorship box has been marked, on the death of any account holder, the deceased party’s ownership of the account passes to the surviving account holders. The liability with respect to said account shall be joint and several. All property accounts shall be subject to a lien in the financial professional’s favor for the discharge and governed by PA 41 of the obligations owed the financial professional. It is understood that the lien be in addition to and not in substitution Public Acts of the rights and remedies the financial professional would otherwise have. It is further agreed that the estate of any of the account holders who have died will be liable1968 (Michigan), as amended, being M.C.L. 490.51 et seq., and each survivor will continue to be liablecommonly known as the Credit Union Multiple-Party Accounts Act. An account owned by a person that is not a natural person (that is, jointly and severally, to the financial professional for any net debit balance resulting from transactions initiated prior to the receipt an account owned by the financial professional of the written notice of the death, incurred in the liquidation of the account, a corporation or the adjustment of the interests of the respective partiesother legal entity or by a trust) may not have joint owners.