Common use of OWNERSHIP OF ACCOUNT Clause in Contracts

OWNERSHIP OF ACCOUNT. These rules apply to this account depending on the form of ownership and, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership of account except as they determine to whom we pay the account funds. Individual Account. This is an account in the name of one person. STOP PAYMENTS. Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules. We may accept an order to stop payment on any item from any one of you. You must make any stop‐payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop‐payment cutoff time. Because stop‐payment orders are handled by computers, to be effective, your stop‐payment order must precisely identify the account number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop‐payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six‐month period. We are not obligated to notify you when a stop‐payment order expires. A release of the stop‐ payment request may be made only by the person who initiated the stop‐payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop‐payment order. Our stop‐payment cutoff time is three (3) business days prior to the date of the transaction. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item).

OWNERSHIP OF ACCOUNT. These rules apply You represent and warrant to us that your accounts will be used solely for business or commercial purposes and not for personal, family, or household purposes. If a legal entity is the account holder, we may require the governing body of the legal entity opening the accounts to provide us a corporate resolution or similar document telling us who is authorized to act on its behalf. This authorization will remain in force until we receive written notice of a change from the governing body of the legal entity. If the account holder is a general partnership, each partner is deemed to be an account holder for all purposes. If there is more than one account holder, each of you is authorized and deemed to act for the other account holders and we may accept orders and instructions regarding the accounts, requests for future services, and any transaction from any other account holders. Each account holder guarantees the signature of the other account holders. Any account holder may withdraw or transfer any and all funds in an account, stop payment of items drawn on an account, and pledge to us all or any part of the funds in any account without the consent of the other account holders, and we shall have no duty in such event to notify any other account holders. We reserve the right at any time to require written consent of all account holders for a change of ownership or termination of a multiple-party account. If we receive written notice of a dispute between account holders or receive inconsistent instructions from them, we may: (1) suspend or terminate the account; (2) require an account holder to obtain a court order in order to take any action on a transaction; or (3) require that all account holders agree in writing to any transaction concerning the account. LIABILITY: You agree to the terms set out in these Terms and Conditions and the other Account Documents. You authorize us to deduct any fees and other amounts you are required to pay directly from the balance in any of your accounts when the fees or other amounts are due and payable. You will pay any additional reasonable charges for services you request which are not covered by your Account Documents. You agree to pay on demand all costs and expenses we incur in connection with the enforcement of these Terms and Conditions and every other Account Document, including attorneys' fees and expenses and court costs. You agree to be liable for any account shortage resulting from charges to your account or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the balance of any account depending on whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you requested, authorized, ordered, or benefited from the form of ownership andcharge or overdraft. INTERNET GAMBLING: In compliance with the Unlawful Internet Gambling Enforcement Act (UIGEA), if any, specified on the account recordswe will not open new accounts nor maintain accounts for any business engaging in a lawful or unlawful Internet gambling activity. We reserve the right to refuse some forms restrict or prohibit further use of ownership on any or all your accounts if you fail to comply with the requirements. NEW ACCOUNTS: Your accounts may be classified as new accounts for the first thirty (30) days following the initial deposit. This may affect the availability of our funds deposited to your accounts. We make no representations as to the appropriateness or effect of the ownership of account except as they determine to whom we pay the account funds. Individual Account. This is an account in the name of one person. STOP PAYMENTS. Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules See our Funds Availability Disclosure for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules. We may accept an order to stop payment on any item from any one of you. You must make any stop‐payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop‐payment cutoff time. Because stop‐payment orders are handled by computers, to be effective, your stop‐payment order must precisely identify the account number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop‐payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six‐month period. We are not obligated to notify you when a stop‐payment order expires. A release of the stop‐ payment request may be made only by the person who initiated the stop‐payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop‐payment order. Our stop‐payment cutoff time is three (3) business days prior to the date of the transaction. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item)additional information.

OWNERSHIP OF ACCOUNT. These rules apply You represent and warrant to us that your accounts will be used solely for business or commercial purposes and not for personal, family, or household purposes. If a legal entity is the account holder, we may require the governing body of the legal entity opening the accounts to provide us a corporate resolution or similar document telling us who is authorized to act on its behalf. This authorization will remain in force until we receive written notice of a change from the governing body of the legal entity. If the account holder is a general partnership, each partner is deemed to be an account holder for all purposes. If there is more than one account holder, each of you is authorized and deemed to act for the other account holders and we may accept orders and instructions regarding the accounts, requests for future services, and any transaction from any other account holders. Each account holder guarantees the signature of the other account holders. Any account holder may withdraw or transfer any and all funds in an account, stop payment of items drawn on an account, and pledge to us all or any part of the funds in any account without the consent of the other account holders, and we shall have no duty in such event to notify any other account holders. We reserve the right at any time to require written consent of all account holders for a change of ownership or termination of a multiple-party account. If we receive written notice of a dispute between account holders or receive inconsistent instructions from them, we may: (1) suspend or terminate the account; (2) require an account holder to obtain a court order in order to take any action on a transaction; or (3) require that all account holders agree in writing to any transaction concerning the account. LIABILITY: You agree to the terms set out in these Terms and Conditions and the other Account Documents. You authorize us to deduct any fees and other amounts you are required to pay directly from the balance in any of your accounts when the fees or other amounts are due and payable. You will pay any additional reasonable charges for services you request which are not covered by your Account Documents. You agree to pay on demand all costs and expenses we incur in connection with the enforcement of these Terms Revised October2, 2023 and Conditions and every other Account Document, including attorneys' fees and expenses and court costs. You agree to be liable for any account shortage resulting from charges to your account or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the balance of any account depending on whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you requested, authorized, ordered, or benefited from the form of ownership andcharge or overdraft. INTERNET GAMBLING: In compliance with the Unlawful Internet Gambling Enforcement Act (UIGEA), if any, specified on the account recordswe will not open new accounts nor maintain accounts for any business engaging in a lawful or unlawful Internet gambling activity. We reserve the right to refuse some forms restrict or prohibit further use of ownership on any or all your accounts if you fail to comply with the requirements. NEW ACCOUNTS: Your accounts may be classified as new accounts for the first thirty (30) days following the initial deposit. This may affect the availability of our funds deposited to your accounts. We make no representations as to the appropriateness or effect of the ownership of account except as they determine to whom we pay the account funds. Individual Account. This is an account in the name of one person. STOP PAYMENTS. Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules See our Funds Availability Disclosure for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules. We may accept an order to stop payment on any item from any one of you. You must make any stop‐payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop‐payment cutoff time. Because stop‐payment orders are handled by computers, to be effective, your stop‐payment order must precisely identify the account number, date, and amount of the item, and the payee. You may stop payment on any item drawn on your account whether you sign the item or not. Generally, if your stop‐payment order is given to us in writing it is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six‐month period. We are not obligated to notify you when a stop‐payment order expires. A release of the stop‐ payment request may be made only by the person who initiated the stop‐payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop‐payment order. Our stop‐payment cutoff time is three (3) business days prior to the date of the transaction. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item)additional information.