Common use of Our Relationship Clause in Contracts

Our Relationship. Unless otherwise expressly agreed in writing signed by us, our relationship with you will be that of debtor and creditor; in other words, we owe you the amount of your deposit, subject to the terms of the Deposit Agreement. We owe you a duty of ordinary care. No fiduciary, quasi-fiduciary or other special relationship exists between you and us. Any internal policies or procedures that we may maintain which are in addition to or in excess of reasonable commercial standards and general banking practice are solely for our own benefit and shall not impose a higher standard of care on SVB than otherwise would apply in their absence. You agree to pay us such fees and charges described in this Agreement or otherwise communicated to you, such as in our Fee Schedule. These fees and charges are subject to change, from time to time, and at any time, as described in Section 1j (“Amendments/Changes in Account Terms”) of this Deposit Agreement.

Our Relationship. Unless otherwise expressly agreed in writing signed by us, our relationship with you will be that of debtor and creditor; in other words, we owe you the amount of your deposit, subject to the terms of the Deposit Agreement. We owe you a duty of ordinary care. No fiduciary, quasi-fiduciary or other special relationship exists between you and us. Any internal policies or procedures that we may maintain which are in addition to or in excess of reasonable commercial standards and general banking practice are solely for our own benefit and shall not impose a higher standard of care on SVB than otherwise would apply in their absence. You agree to pay us such fees and charges described in this Agreement or otherwise communicated to you, such as in our Fee ScheduleSchedules. These fees and charges are subject to change, from time to time, and at any time, as described in Section 1j (“Amendments/Changes in Account Terms”) of this Deposit Agreement.