Common use of SAVINGS ACCOUNT AGREEMENT AND DISCLOSURES Clause in Contracts

SAVINGS ACCOUNT AGREEMENT AND DISCLOSURES. A. Our Agreement This document contains the terms and conditions of the Oxygen Savings Account Agreement (the “Agreement”) for the optional savings account (“Oxygen Savings” or “Savings Account”) made available to eligible consumers by The Bancorp Bank, Wilmington, Delaware, member of the Federal Deposit Insurance Corporation (“FDIC”) (“The Bancorp Bank”, the “Bank” or “Issuer”) on behalf of Oxygen, Inc. DBA Oxygen