Common use of Overdraft Clause in Contracts

Overdraft. You will not overdraw any account unless it is allowed by the overdraft protection service provided by Libro. Any unauthorized overdrafts will bear interest at the rates established by Libro, which can be adjusted time to time, calculated on the daily outstanding balance and compounded monthly. Any unauthorized overdrafts and interest thereon are payable on demand. Night Deposit Service At your request, and if Libro agrees, we can offer a night deposit service, where we will accept for deposit monies or instruments acceptable to Libro. You will place the deposit monies or instruments in an envelope or deposit bag supplied by Libro and place it in the night depository. The monies and negotiable Instruments must be accompanied by a properly completed deposit slip signed by you and enclosed in the same envelope or deposit bag. We shall arrange for any deposits made by night deposit service to be credited to your account in a reasonable period of time after such deposit was made by you to devices designated for night deposits. No interest shall accrue on any deposit made through use of the night deposit service until have been credited to your account with all valid and verified deposits. Non-Registered Term Deposits The Service Agreement only deals in part with Non-Registered Term Deposits made. Other terms and conditions accepted by you at the time the Non-Registered Term Deposit or funds were deposited also apply. You may only withdraw all or part of a Non-Registered Term Deposit prior to the maturity date if the terms and conditions agreed to at the time the funds for the Non-registered Term Deposit are deposited permit it. Certain Non-Registered Term Deposits do not allow you to withdraw funds prior to maturity and a penalty for making an early withdrawal may apply. By purchasing the Non- Registered Term Deposit, you agree to be bound by such terms. If we do not receive your instructions prior to the maturity date of the Non-Registered Term Deposit, we may credit the Non-Registered Term Deposit plus any accrued interest to any account you hold with Libro. We may, but are not required to, reinvest the Non-Registered Term Deposit, on your behalf, and accrued interest at prevailing rates and terms for Non-Registered Term Deposits available at maturity and as selected by Libro in its sole discretion. If you do not want us to reinvest the Non-Registered Term Deposit, you must advise us before the close of business on the maturity date or otherwise you may proceed as described above. Interest is not paid to you on a Non-Registered Term Deposit that is not reinvested. Remote Access

Overdraft. You will not overdraw any account unless it is allowed by the overdraft protection service provided by Libro. Any unauthorized overdrafts will bear interest at the rates established by Libro, which can be adjusted time to time, calculated on the daily outstanding balance and compounded monthly. Any unauthorized overdrafts and interest thereon are payable on demand. Night Deposit Service At your request, and if Libro agrees, we can offer a night deposit service, where we will accept for deposit monies or instruments acceptable to Libro. You will place the deposit monies or instruments in an envelope or deposit bag supplied by Libro and place it in the night depository. The monies and negotiable Instruments must be accompanied by a properly completed deposit slip signed by you and enclosed in the same envelope or deposit bag. We shall arrange for any deposits made by night deposit service to be credited to your account in a reasonable period of time after such deposit was made by you to devices designated for night deposits. No interest shall accrue on any deposit made through use of the night deposit service until have been credited to your account with all valid and verified deposits. Non-Registered Term Deposits The Service Agreement only deals in part with Non-Registered Term Deposits made. Other terms and conditions accepted by you at the time the Non-Registered Term Deposit or funds were deposited also apply. You may only withdraw all or part of a Non-Registered Term Deposit prior to the maturity date if the terms and conditions agreed to at the time the funds for the Non-registered Term Deposit are deposited permit it. Certain Non-Registered Term Deposits do not allow you to withdraw funds prior to maturity and a penalty for making an early withdrawal may apply. By purchasing the Non- Registered Term DepositXxxx Xxxxxxx, you agree to be bound by such terms. If we do not receive your instructions prior to the maturity date of the Non-Registered Term Deposit, we may credit the Non-Registered Term Deposit plus any accrued interest to any account you hold with Libro. We may, but are not required to, reinvest the Non-Registered Term Deposit, on your behalf, and accrued interest at prevailing rates and terms for Non-Registered Term Deposits available at maturity and as selected by Libro in its sole discretion. If you do not want us to reinvest the Non-Registered Term Deposit, you must advise us before the close of business on the maturity date or otherwise you may proceed as described above. Interest is not paid to you on a Non-Registered Term Deposit that is not reinvested. Remote Access

Overdraft. You will not overdraw any account Account unless it is allowed by the overdraft protection service provided by Libro. Any unauthorized overdrafts will bear interest at the rates established by Libro, which can be adjusted time to time, calculated on the daily outstanding balance and compounded monthly. Any unauthorized overdrafts and interest thereon are payable on demand. Night Deposit Service At your request, and if Libro agrees, we can offer a night deposit service, where we will accept for deposit monies or instruments acceptable to Libro. You will place the deposit monies or instruments in an envelope or deposit bag supplied by Libro and place it in the night depository. The monies and negotiable Instruments must be accompanied by a properly completed deposit slip signed by you and enclosed in the same envelope or deposit bag. We shall arrange for any deposits made by night deposit service to be credited to your account Account in a reasonable period of time after such deposit was made by you to devices designated for night deposits. No interest shall accrue on any deposit made through use of the night deposit service until have it has been credited to your account Account with all valid and verified deposits. Non-Registered Term Deposits The Service Agreement only deals in part with Non-Registered Term Deposits made. Other terms and conditions accepted by you at the time the Non-Registered Term Deposit or funds were deposited also apply. You may only withdraw all or part of a Non-Registered Term Deposit prior to the maturity date if the terms and conditions agreed to at the time the funds for the Non-registered Term Deposit are deposited permit it. Certain Non-Registered Term Deposits do not allow you to withdraw funds prior to maturity and a penalty for making an early withdrawal may apply. By purchasing the Non- Registered Term Deposit, you agree to be bound by such terms. If we do not receive your instructions prior to the maturity date of the Non-Registered Term Deposit, we may credit the Non-Registered Term Deposit plus any accrued interest to any account Account you hold with Libro. We may, but are not required to, reinvest the Non-Registered Term Deposit, on your behalf, and accrued interest at prevailing rates and terms for Non-Registered Term Deposits available at maturity and as selected by Libro in its sole discretion. If you do not want us to reinvest the Non-Registered Term Deposit, you must advise us before the close of business on the maturity date or otherwise you may proceed as described above. Interest is not paid to you on a Non-Registered Term Deposit that is not reinvested. Remote Access

Overdraft. You will not overdraw any account Account unless it is allowed by the overdraft protection Overdraft Protection service provided by Libro. This service must be applied for by the Owner, and upon Libro’s approval, the terms must be accepted by the Owner in the Overdraft Protection Agreement on Xxxxx.xx/xxxxx/xxxxxxxxx-xxxxxxxxx. Any unauthorized overdrafts will bear interest at the rates rate established by Libro, Libro in your signed Promissory Note which can be adjusted time to time, is calculated on the daily outstanding balance and compounded monthly. Any unauthorized overdrafts and interest thereon are payable on demand. Night Deposit Service At your request, and if Libro agrees, we can offer a night deposit service, where we will accept for deposit monies or instruments acceptable to Libro. You will place the deposit monies or instruments in an a sealed envelope or deposit bag supplied by Libro and place it in the night depository. Libro staff are authorized, in dual, to open the deposit and remove the contents. The monies and negotiable Instruments deposit must be accompanied by a properly completed contain an itemized deposit slip signed by you showing its contents and enclosed in the same envelope or depositor must retain a duplicate itemized deposit bagslip. We shall Libro will arrange for any deposits made by night deposit service to be credited deposited to your account Account in a reasonable period of time after such deposit was made by you to devices designated for night deposits. No interest shall accrue on any deposit made through use of the night deposit service until have it has been credited to your account Account with all valid and verified deposits. The use of the night depository shall be at the sole risk of the Owner. Libro shall not be responsible or liable for any property placed in the depository, the loss of such property, costs, claims, nor any injury, loss or damage suffered by the Owner, or anyone attending on behalf of the Owner, in connection with using the depository, or while on Libro premises for the purpose of using the depository. Non-Registered Term Deposits The This Service Agreement only deals in part with Non-Registered Term Deposits made. Other terms and conditions accepted by you at the time the Non-Registered Term Deposit or funds were deposited also apply. You may only withdraw all or part of a Non-Registered Term Deposit prior to the maturity date if the terms and conditions agreed to at the time the funds for the Non-registered Term Deposit are deposited permit it. Certain Non-Registered Term Deposits do not allow you to withdraw funds prior to maturity and a penalty for making an early withdrawal may apply. By purchasing the Non- Non-Registered Term DepositXxxx Xxxxxxx, you agree to be bound by such terms. If we do not receive your instructions prior to the maturity date of the Non-Registered Term Deposit, we may credit the Non-Registered Term Deposit plus any accrued interest to any account Account you hold with Libro. We may, but are not required to, reinvest on your behalf the Non-Registered Term Deposit, on your behalf, Deposit and accrued interest at prevailing rates and terms for Non-Registered Term Deposits available at maturity and as selected by Libro in its sole discretion. If you do not want us to reinvest the Non-Registered Term Deposit, you must advise us before the close of business on the maturity date or otherwise you may proceed as described above. Interest is not paid to you on a Non-Registered Term Deposit that is not reinvested. Remote Access