Common use of SUBACCOUNTS Clause in Contracts

SUBACCOUNTS. For regulatory accounting purposes, we may classify checking accounts as two subac- counts: a checking subaccount and a savings subaccount. For interest-bearing checking accounts, we calculate and pay interest at the same rate and in the same way on both sub- accounts. For non-interest bearing checking accounts, we do not pay interest on either subaccount. We may transfer funds between these subaccounts. We record the subaccounts and any transfers between them on our internal accounting records only. Otherwise, the subaccounts are subject to the same terms as the checking and savings accounts described in this Agreement. Unclaimed Property — Accounts Presumed Abandoned or Inactive State and federal law and our policy govern when accounts are considered abandoned. The applicable state law is generally the state in which your account is domiciled. Your account is usually considered aban- doned if you have not performed at least one of the following activities for the period of time specified in the applicable state’s unclaimed property law: made a deposit or withdrawal, written to us about the account, or otherwise shown an interest in the ac- count, such as asking us to keep the account active. You usually need to perform the activity. Therefore, bank charges and interest payments, and automatic deposits and with- drawals, are usually not considered activity. We are required by the unclaimed property laws to turn over accounts considered aban- doned to the applicable state. Before we turn over an abandoned account, we may send a notice to the address we currently show for the account statement. We may not send this notice if mail we previously sent to this address was returned. Unless prohibited by the applicable state law, we may charge to the account our costs and expenses of any notice, advertisement, payment and delivery of the account to the applicable state agency. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. If we consider your account inactive, then (unless prohibited by federal law or the law of the state where we maintain your account) we may: • Charge dormant or inactive account fees on the account in addition to regular monthly maintenance and other fees; • Stop sending statements; • If the account received interest, stop paying interest on the account; and • Refuse to pay items drawn on or payable out of the account. If you re-establish contact with us, we do not have to reimburse you these fees and we are not liable to you for any interest that would otherwise have accrued on your account. Verification of Transactions and Right to Reverse Transactions All transactions, including those for which we provide a receipt, are subject to subsequent verification and correction within our discre- tion. We may not verify a deposit at the teller window so the receipt that you receive at the time of your deposit is not evidence that your deposit has been verified. We may reverse or otherwise adjust any transaction (both credit and debit) that we believe we erroneously made to your account at any time without prior notice to you. Waiver, Severability, and Change of Law by Agreement Waiver We may delay or waive the enforce- ment of any of our rights under this Agree- ment without losing that right or any other right. No delay in enforcing our rights will affect your obligation to pay us fees and other amounts you owe us under this Agreement. If we waive a provision of this Agreement, the waiver applies only in the specific instance in which we decide to waive the provision and not to future situations or other provisions regardless of how similar they may be. Severability A determination that any part of this Agreement is invalid or unenforceable will not affect the remainder of this Agreement.

SUBACCOUNTS. For regulatory accounting purposes, we may classify checking accounts as two subac- counts: a checking subaccount and a savings subaccount. For interest-bearing checking accounts, we calculate and pay interest at the same rate and in the same way on both sub- accounts. For non-interest bearing checking accounts, we do not pay interest on either subaccount. We may transfer funds between these subaccounts. We record the subaccounts and any transfers between them on our internal accounting records only. Otherwise, the subaccounts are subject to the same terms as the checking and savings accounts described in this Agreement. Unclaimed Property — Accounts Presumed Abandoned or Inactive State and federal law and our policy govern when accounts are considered abandoned. The We are required to deliver to the applicable state law is generally agency of the state listed in which our records as your account is domiciledresidence. Your account is usually considered aban- doned if you have not performed at least one of the following activities for the period of time specified in the applicable state’s unclaimed property law: made a deposit or withdrawal, written to us about the account, or otherwise shown an interest in the ac- count, such as asking us to keep the account active. You usually need to perform the activity. Therefore, bank charges and interest payments, and automatic deposits and with- drawals, are usually not considered activity. We are required by the unclaimed property laws to turn over accounts considered aban- doned to the applicable state. Before we turn over an abandoned account, we may send a notice to the address we currently show for the account statement. We may not send this notice if mail we previously sent to this address was returned. Unless prohibited by the applicable state law, we may charge to the account our costs and expenses of any notice, advertisement, payment and delivery of the account to the applicable state agency. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. If we consider your account inactive, then (unless prohibited by federal law or the law of the state where we maintain your account) we may: • Charge dormant or inactive account fees on the account in addition to regular monthly maintenance and other fees; • Stop sending statements; • If the account received interest, stop paying interest on the account; and • Refuse to pay items drawn on or payable out of the account. If you re-establish contact with us, we do not have to reimburse you these fees and we are not liable to you for any interest that would otherwise have accrued on your account. Verification of Transactions and Right to Reverse Transactions All transactions, including those for which we provide a receipt, are subject to subsequent verification and correction within our discre- tion. We may not verify a deposit at the teller window so the receipt that you receive at the time of your deposit is not evidence that your deposit has been verified. We may reverse or otherwise adjust any transaction (both credit and debit) that we believe we erroneously made to your account at any time without prior notice to you. Waiver, Severability, and Change of Law by Agreement Waiver We may delay or waive the enforce- ment of any of our rights under this Agree- ment without losing that right or any other right. No delay in enforcing our rights will affect your obligation to pay us fees and other amounts you owe us under this Agreement. If we waive a provision of this Agreement, the waiver applies only in the specific instance in which we decide to waive the provision and not to future situations or other provisions regardless of how similar they may be. Severability A determination that any part of this Agreement is invalid or unenforceable will not affect the remainder of this Agreement.

SUBACCOUNTS. For regulatory accounting purposes, we may classify checking accounts as two subac- counts: a checking subaccount and a savings subaccount. For interest-bearing checking accounts, we calculate and pay interest at the same rate and in the same way on both sub- accounts. For non-interest bearing checking accounts, we do not pay interest on either subaccount. We may transfer funds between these subaccounts. We record the subaccounts and any transfers between them on our internal accounting records only. Otherwise, the subaccounts are subject to the same terms as the checking and savings accounts described in this Agreement. Unclaimed Property — Accounts Presumed Abandoned or Inactive State and federal law and our policy govern when accounts are considered abandoned. The applicable state law is generally the state in which your account is domiciled. Your account is usually considered aban- doned if you have not performed at least one of the following activities for the period of time specified in the applicable state’s unclaimed property law: made a deposit or withdrawal, written to us about the account, or otherwise shown an interest in the ac- count, such as asking us to keep the account active. You usually need to perform the activity. Therefore, bank charges and interest payments, and automatic deposits and with- drawals, are usually not considered activity. We are required by the unclaimed property laws to turn over accounts considered aban- doned to the applicable state. Before we turn over an abandoned account, we may send a notice to the address we currently show for the account statement. We may not send this notice if mail we previously sent to this address was returned. Unless prohibited by the applicable state law, we may charge to the account our costs and expenses of any notice, advertisement, payment and delivery of the account to the applicable state agency. After we turn the funds over to the state, we have no further liability to you for the funds and you must apply to the appropriate state agency to reclaim your funds. funds.‌‌‌ If we consider your account inactive, then (unless prohibited by federal law or the law of the state where we maintain your account) we may: • Charge dormant or inactive account fees on the account in addition to regular monthly maintenance and other fees; • Stop sending statements; • If the account received interest, stop paying interest on the account; and • Refuse to pay items drawn on or payable out of the account. If you re-establish contact with us, we do not have to reimburse you these fees and we are not liable to you for any interest that would otherwise have accrued on your account. Verification of Transactions and Right to Reverse Transactions All transactions, including those for which we provide a receipt, are subject to subsequent verification and correction within our discre- tion. We may not verify a deposit at the teller window so the receipt that you receive at the time of your deposit is not evidence that your deposit has been verified. We may reverse or otherwise adjust any transaction (both credit and debit) that we believe we erroneously made to your account at any time without prior notice to you. Waiver, Severability, and Change of Law by Agreement Waiver We may delay or waive the enforce- ment of any of our rights under this Agree- ment without losing that right or any other right. No delay in enforcing our rights will affect your obligation to pay us fees and other amounts you owe us under this Agreement. If we waive a provision of this Agreement, the waiver applies only in the specific instance in which we decide to waive the provision and not to future situations or other provisions regardless of how similar they may be. Severability A determination that any part of this Agreement is invalid or unenforceable will not affect the remainder of this Agreement.