Common use of The Agreement for Your Account Clause in Contracts

The Agreement for Your Account. Binding Contract This Deposit Agreement and Disclosures, the applicable Account & Miscellaneous Schedule of Fees, the signature card and other account opening documents for your account are part of the binding contract between you and us (this “Agreement”) for your deposit account and your deposit relationship with us. They contain the terms of our agreement with you. Please read all of these documents carefully. This Deposit Agreement and Disclosures also summarizes certain laws and regulations that apply to common transactions, provides some disclosures for deposit accounts required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover or allows us to change by this contract. The Schedule of Fees lists our accounts and account fees. When you complete our account opening documents (as an example, you sign our signature card), request an account, or keep your account open, you acknowledge that you have reviewed and understand the terms of this Agreement and you agree to be governed by these terms. You understand that these terms, as we may change or supplement them periodically, are a binding contract between you and us for your deposit account and your deposit relationship. Our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship do not create a fiduciary, quasi-fiduciary or special relationship between us. We owe you only a duty of ordinary care. Our internal policies and procedures are solely for our own purposes and do not impose on us a higher standard of care than otherwise would apply by law without such policies or procedures. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website, or by calling the number on your statement. Changes to This Agreement We may change this Agreement at any time. We may add new terms. We may delete or amend existing terms. We may add new accounts and services and discontinue existing accounts or services. We may convert existing accounts and services into new accounts and services. We ordinarily send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your account. If you continue to use your account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in this Agreement. See the Notices, Statements and Other Communications section for information about how we provide notice. Closing an Account You or we may close your checking or savings account at any time without advance notice, except that we may require you to give us seven days advance notice when you intend to close your savings or interest bearing checking account by withdrawing your funds. See Notice of Withdrawal in the Other Terms and Services section. You or we may close your time deposit account at maturity without advance notice. Community Bank may close your account or convert your account to another account type at its discretion due to excessive overdrafts. If an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account. If your account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the account open or close the account without notice. Sometimes after an account is closed, we receive a deposit for credit to the account or a check or other item for payment from the account. If this happens, we may at our option and without any liability to you: either return the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item for you, even if this overdraws your account and causes you to incur overdraft fees. Sometimes after an account which had funds in it is closed, and while we are still holding the funds from the account, we receive a withdrawal request, check or other item for payment from the account. We may refuse the withdrawal request and return the check or other item. We are not liable for any losses or damage that may result from refusing the withdrawal or dishonoring the check or other item, even if we are still holding funds that would cover the withdrawal, check or other item. When you ask us to close your account, we may continue to pay transactions as we receive them while we process your closure request. When we complete our closure process, we may close your account, even if your account has a balance and transactions you’ve told us about are still pending. If your account is overdrawn when closed, you agree to pay immediately all amounts you owe us. If your account had funds in it when closed, we may:  hold the funds for your pick up or to pay outstanding or expected items or claims;  deposit the funds in another of your accounts with us; or  mail the funds to any of you by check at the address in our records for the account. If your account earned interest before it closed, your funds stop earning interest when you ask us to close your account, even if we continue to hold the funds. As an example, if we mail funds from an interest bearing account to you by check, then your funds do not earn interest, even if the check is returned to us or is not cashed. Once you return to the U.S. from your tour of duty overseas or relocate to a country that does not have a Community Bank branch, generally you are no longer authorized to maintain a banking relationship with Community Bank. We would like to continue to maintain your account; however, we are only authorized to continue account relationships for up to 90 days after you transition to a country that does not have a Community Bank banking center. You must contact Community Bank with the correct mailing address in order to close out your account(s). We will make reasonable attempts to contact you using the information we have on file to get an updated address; however, if we are not able to reach you, the funds will be held in your account and will follow the standard dormant / escheatment process, as applicable by state law. It is important that you provide us with a change of address notice as soon as possible so that we may mail the remaining funds to the correct address. If you have an installment loan still outstanding, you are required to notify Community Bank 30 days prior to your departure date. You may retain a transaction account with us to be used for the automatic payment to be drafted. This account will be closed once the loan is paid off. This Agreement continues to govern matters related to your account even after your account closes. Governing Law While many of the federal laws do not apply to bank offices outside the United States, the applicable terms associated with certain laws and regulations outlined in this agreement will be followed. This Agreement, and your and our rights and obligations under this Agreement, are governed by and interpreted according to applicable federal and / or state law. However, your rights and obligations for Remittance Transfers shall be governed by and interpreted as described in the Funds Transfer Services section. We ordinarily maintain your account at the banking center where we open your account. However, we may transfer your account to another banking center in the same Country.

The Agreement for Your Account. ‌ Binding Contract Contract‌ This Deposit Agreement and Disclosures, the applicable Account & Miscellaneous Schedule of Fees, the signature card and other account opening documents for your account are part of the binding contract between you and us (this “Agreement”) for your deposit account and your deposit relationship with us. They contain the terms of our agreement with you. Please read all of these documents carefully. This Deposit Agreement and Disclosures also summarizes certain laws and regulations that apply to common transactions, provides some disclosures for deposit accounts required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover or allows us to change by this contract. The Schedule of Fees lists our accounts and account fees. When you complete our account opening documents (as an example, you sign our signature card), request an account, or keep your account open, you acknowledge that you have reviewed and understand the terms of this Agreement and you agree to be governed by these terms. You understand that these terms, as we may change or supplement them periodically, are a binding contract between you and us for your deposit account and your deposit relationship. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website or by calling the number on your statement. Our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship do not create a fiduciary, quasi-fiduciary or special relationship between usus regardless of how you title your account, or whether you yourself act in a fiduciary or similar capacity with respect to funds deposited with use. We owe you only a duty of ordinary care. Our internal policies and procedures are solely for our own purposes and do not impose on us a higher standard of care than otherwise would apply by law without such policies or procedures. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website, or by calling the number on your statement. Changes to This Agreement Agreement‌ We may change this Agreement at any time. We may add new terms. We may delete or amend existing terms. We may add new accounts and services and discontinue existing accounts or services. We may convert existing accounts and services into new accounts and services. We ordinarily send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your account. If you continue to use your account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in this Agreement. See the Notices, Statements and Other Communications section for information about how we provide notice. Closing an notice.‌ Account Closures You or we may close your checking or savings account at any time without advance notice, except that we may require you to give us seven days advance notice when you intend to close your savings or interest bearing checking account by withdrawing your funds. See Notice of Withdrawal in the Other Terms and Services section. You or we may close your time deposit account at maturity without advance notice. Community Bank may close your account or convert your account to another account type at its discretion due to excessive overdraftsoverdrafts or misuse. Community Bank may in its sole discretion and without notice to you, to the extent permissible under applicable law and other governing documents applicable to your account, decline, delay, cancel and/or reverse your orders, transactions or instructions, and/or place disbursement and other restrictions on any of your accounts. If an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account. If your account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the account open or close the account without notice. Sometimes after an account is closed, we receive a deposit for credit to the account or a check or other item for payment from the account. If this happens, we may at our option and without any liability to you: either return the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item for you, even if this overdraws your account and causes you to incur overdraft fees. Sometimes after an account which had funds in it is closed, and while we are still holding the funds from the account, we receive a withdrawal request, check or other item for payment from the account. We may refuse the withdrawal request and return the check or other item. We are not liable for any losses loss or damage that may result from refusing the withdrawal or dishonoring the check or other item, even if we are still holding funds that would cover the withdrawal, check or other item. When you ask us to close your account, we may continue to pay transactions as we receive them while we process your closure request. When we complete our closure process, we may close your account, even if your account has a balance and transactions you’ve told us about are still pending. If your account is overdrawn when closed, you agree to pay immediately all amounts you owe us. If your account had funds in it when closed, we may:  • hold the funds for your pick up or to pay outstanding or expected items or claims;  • deposit the funds in another of your accounts with us; or  • mail the funds to any of you by check at the address in our records for the account. If your account earned interest before it closed, your funds stop earning interest when you ask us to close your account, even if we continue to hold the funds. As an example, if we mail funds from an interest bearing account to you by check, then your funds do not earn interest, even if the check is returned to us or is not cashed. Once you return to the U.S. from your tour of duty overseas or relocate to a country that does not have a Community Bank branch, branch generally you are no longer authorized to maintain a banking relationship with Community Bank. We would like to continue to maintain your account; however, we are only authorized to continue account relationships for up to 90 days after you transition to a country that does not have a Community Bank banking center. You must contact Community Bank with the correct mailing address in order as soon as possible to close out your account(s)) so we may mail the remaining funds to the correct address. We will make reasonable attempts to contact you using the information we have on file to get for an updated address; however, if we are not able to reach you, the funds will be held in your account and will follow the standard dormant / escheatment process, as applicable by state law. It is important that you provide us with a change of address notice as soon as possible so that we may mail the remaining funds to the correct address. If you have an outstanding installment loan still outstandingloan, you are required to notify Community Bank 30 days prior to your departure date. You may retain a transaction account with us to be used for the automatic payment to be drafted. This account will be closed once the loan is paid off. This Agreement continues to govern matters related to your account account, even after your account closes. Governing Law Law‌ While many of the federal laws do not apply to bank offices outside the United States, the applicable terms associated with certain laws and regulations outlined in this agreement will be followed. This Agreement, and your and our rights and obligations under this Agreement, are governed by and interpreted according to applicable federal and / or and/or state law. However, your rights and obligations for Remittance Transfers shall be governed by and interpreted as described in the Funds Transfer Services section. We ordinarily maintain your account at the banking center where we open your account. However, we may transfer your account to another banking center in the same Country.country.‌

The Agreement for Your Account. Binding Contract This Deposit Agreement and Disclosures, the applicable Account & Miscellaneous Schedule of Fees, the signature card and other account opening documents for your account are part of the binding contract between you and us (this “Agreement”) for your deposit account and your deposit relationship with us. They contain the terms of our agreement with you. Please read all of these documents carefully. This Deposit Agreement and Disclosures also summarizes certain laws and regulations that apply to common transactions, provides some disclosures for deposit accounts required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover or allows us to change by this contract. The Schedule of Fees lists our accounts and account fees. When you complete our account opening documents (as an example, you sign our signature card), request an account, or keep your account open, you acknowledge that you have reviewed and understand the terms of this Agreement and you agree to be governed by these terms. You understand that these terms, as we may change or supplement them periodically, are a binding contract between you and us for your deposit account and your deposit relationship. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website or by calling the number on your statement. Our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship do not create a fiduciary, quasi-fiduciary or special relationship between usus regardless of how you title your account, or whether you yourself act in a fiduciary or similar capacity with respect to funds deposited with use. We owe you only a duty of ordinary care. Our internal policies and procedures are solely for our own purposes and do not impose on us a higher standard of care than otherwise would apply by law without such policies or procedures. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website, or by calling the number on your statement. Changes to This Agreement We may change this Agreement at any time. We may add new terms. We may delete or amend existing terms. We may add new accounts and services and discontinue existing accounts or services. We may convert existing accounts and services into new accounts and services. We ordinarily send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your account. If you continue to use your account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in this Agreement. See the Notices, Statements and Other Communications section for information about how we provide notice. Closing an Account Closures You or we may close your checking or savings account at any time without advance notice, except that we may require you to give us seven days advance notice when you intend to close your savings or interest bearing checking account by withdrawing your funds. See Notice of Withdrawal in the Other Terms and Services section. You or we may close your time deposit account at maturity without advance notice. Community Bank may close your account or convert your account to another account type at its discretion due to excessive overdraftsoverdrafts or misuse. Community Bank may in its sole discretion and without notice to you, to the extent permissible under applicable law and other governing documents applicable to your account, decline, delay, cancel and/or reverse your orders, transactions or instructions, and/or place disbursement and other restrictions on any of your accounts. If an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account. If your account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the account open or close the account without notice. Sometimes after an account is closed, we receive a deposit for credit to the account or a check or other item for payment from the account. If this happens, we may at our option and without any liability to you: either return the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item for you, even if this overdraws your account and causes you to incur overdraft fees. Sometimes after an account which had funds in it is closed, and while we are still holding the funds from the account, we receive a withdrawal request, check or other item for payment from the account. We may refuse the withdrawal request and return the check or other item. We are not liable for any losses loss or damage that may result from refusing the withdrawal or dishonoring the check or other item, even if we are still holding funds that would cover the withdrawal, check or other item. When you ask us to close your account, we may continue to pay transactions as we receive them while we process your closure request. When we complete our closure process, we may close your account, even if your account has a balance and transactions you’ve told us about are still pending. If your account is overdrawn when closed, you agree to pay immediately all amounts you owe us. If your account had funds in it when closed, we may:  • hold the funds for your pick up or to pay outstanding or expected items or claims;  • deposit the funds in another of your accounts with us; or  • mail the funds to any of you by check at the address in our records for the account. If your account earned interest before it closed, your funds stop earning interest when you ask us to close your account, even if we continue to hold the funds. As an example, if we mail funds from an interest bearing account to you by check, then your funds do not earn interest, even if the check is returned to us or is not cashed. Once you return to the U.S. from your tour of duty overseas or relocate to a country that does not have a Community Bank branch, branch generally you are no longer authorized to maintain a banking relationship with Community Bank. We would like to continue to maintain your account; however, we are only authorized to continue account relationships for up to 90 days after you transition to a country that does not have a Community Bank banking center. You must contact Community Bank with the correct mailing address in order as soon as possible to close out your account(s)) so we may mail the remaining funds to the correct address. We will make reasonable attempts to contact you using the information we have on file to get for an updated address; however, if we are not able to reach you, the funds will be held in your account and will follow the standard dormant / escheatment process, as applicable by state law. It is important that you provide us with a change of address notice as soon as possible so that we may mail the remaining funds to the correct address. If you have an outstanding installment loan still outstandingloan, you are required to notify Community Bank 30 days prior to your departure date. You may retain a transaction account with us to be used for the automatic payment to be drafted. This account will be closed once the loan is paid off. This Agreement continues to govern matters related to your account account, even after your account closes. Governing Law While many of the federal laws do not apply to bank offices outside the United States, the applicable terms associated with certain laws and regulations outlined in this agreement will be followed. This Agreement, and your and our rights and obligations under this Agreement, are governed by and interpreted according to applicable federal and / or and/or state law. However, your rights and obligations for Remittance Transfers shall be governed by and interpreted as described in the Funds Transfer Services section. We ordinarily maintain your account at the banking center where we open your account. However, we may transfer your account to another banking center in the same Countrycountry.

The Agreement for Your Account. Binding Contract This Deposit Agreement and Disclosures, the applicable Account & Miscellaneous Schedule of Fees, the signature card and other account opening documents for your account are part of the binding contract between you and us (this “Agreement”) for your deposit account and your deposit relationship with us. They contain the terms of our agreement with you. Please read all of these documents carefully. This Deposit Agreement and Disclosures also summarizes certain laws and regulations that apply to common transactions, provides some disclosures for deposit accounts required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover or allows us to change by this contract. The Schedule of Fees lists our accounts and account fees. When you complete our account opening documents (as an example, you sign our signature card), request an account, or keep your account open, you acknowledge that you have reviewed and understand the terms of this Agreement and you agree to be governed by these terms. You understand that these terms, as we may change or supplement them periodically, are a binding contract between you and us for your deposit account and your deposit relationship. Our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship do not create a fiduciary, quasi-fiduciary or special relationship between us. We owe you only a duty of ordinary care. Our internal policies and procedures are solely for our own purposes and do not impose on us a higher standard of care than otherwise would apply by law without such policies or procedures. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website, or by calling the number on your statement. Changes to This Agreement We may change this Agreement at any time. We may add new terms. We may delete or amend existing terms. We may add new accounts and services and discontinue existing accounts or services. We may convert existing accounts and services into new accounts and services. We ordinarily send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your account. If you continue to use your account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in this Agreement. See the Notices, Statements and Other Communications section for information about how we provide notice. Closing an Account You or we may close your checking or savings account at any time without advance notice, except that we may require you to give us seven days advance notice when you intend to close your savings or interest bearing checking account by withdrawing your funds. See Notice of Withdrawal in the Other Terms and Services section. You or we may close your time deposit account at maturity without advance notice. Community Bank may close your account or convert your account to another account type at its discretion due to excessive overdrafts. If an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account. If your account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the account open or close the account without notice. Sometimes after an account is closed, we receive a deposit for credit to the account or a check or other item for payment from the account. If this happens, we may at our option and without any liability to you: either return the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item for you, even if this overdraws your account and causes you to incur overdraft fees. Sometimes after an account which had funds in it is closed, and while we are still holding the funds from the account, we receive a withdrawal request, check or other item for payment from the account. We may refuse the withdrawal request and return the check or other item. We are not liable for any losses or damage that may result from refusing the withdrawal or dishonoring the check or other item, even if we are still holding funds that would cover the withdrawal, check or other item. When you ask us to close your account, we may continue to pay transactions as we receive them while we process your closure request. When we complete our closure process, we may close your account, even if your account has a balance and transactions you’ve told us about are still pending. If your account is overdrawn when closed, you agree to pay immediately all amounts you owe us. If your account had funds in it when closed, we may:  • hold the funds for your pick up or to pay outstanding or expected items or claims;  • deposit the funds in another of your accounts with us; or  • mail the funds to any of you by check at the address in our records for the account. If your account earned interest before it closed, your funds stop earning interest when you ask us to close your accountthe account is closed, even if we continue to hold the funds. As an example, if we mail funds from an interest bearing account to you by check, then your funds do not earn interest, even if the check is returned to us or is not cashed. Once you return to the U.S. from your tour of duty overseas or relocate to a country that does overseas, you will have 90 days from your departure before your account is closed. You may close your account sooner if all financial matters have been resolved (automatic drafts, direct deposits, etc.). If you do not have a Community Bank branch, generally you are no longer authorized to maintain a banking relationship with Community Bank. We would like to continue to maintain your close the account; however, we are only authorized to continue will close the account relationships for up to 90 days after you transition to a country that does not have a Community Bank banking center. You must contact Community Bank with the correct mailing address in order to close out your account(s). We will make reasonable attempts to contact you using the information we have on file to get an updated address; however, if we are not able to reach you, the funds will be held in your account and will follow the standard dormant / escheatment process, as applicable by state law. It is important that you provide us with a change of address notice as soon as possible so that we may mail the any remaining funds to you at the correct addressmost current address that you have provided us. If you have an installment loan still outstanding, you are required to notify Community Bank 30 days prior to your departure date. You may retain a transaction savings account with us to be used for the automatic payment to be drafted. This account will be closed once the loan is paid off. This Agreement continues to govern matters related to your account even after your account closes. Governing Law While many of the federal laws do not apply to bank offices outside the United States, the applicable terms associated with certain laws and regulations outlined in this agreement will be followed. This Agreement, and your and our rights and obligations under this Agreement, are governed by and interpreted according to applicable federal law of the United States and / or the laws of the state law. However, your rights and obligations for Remittance Transfers shall be governed by and interpreted as described in the Funds Transfer Services sectionof Texas. We ordinarily maintain your account at the banking center where we open your account. However, we may transfer your account to another banking center in the same Country. If Texas and federal law are inconsistent, or if Texas law is preempted by federal law, federal law governs.

The Agreement for Your Account. Binding Contract This Deposit Agreement and Disclosures, the applicable Account & Miscellaneous Schedule of Fees, the signature card and other account opening documents for your account are part of the binding contract between you and us (this “Agreement”) for your deposit account and your deposit relationship with us. They contain the terms of our agreement with you. Please read all of these documents carefully. This Deposit Agreement and Disclosures also summarizes certain laws and regulations that apply to common transactions, provides some disclosures for deposit accounts required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover or allows us to change by this contract. The Schedule of Fees lists our accounts and account fees. When you complete our account opening documents (as an example, you sign our signature card), request an account, or keep your account open, you acknowledge that you have reviewed and understand the terms of this Agreement and you agree to be governed by these terms. You understand that these terms, as we We may change or supplement them the terms of the Agreement periodically; however, are a binding the contract between you and us the bank for your deposit account and your deposit relationshiprelationship is binding. Our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship do not create a fiduciary, quasi-fiduciary or special relationship between us. We owe you only a duty of ordinary care. Our internal policies and procedures are solely for our own purposes and do not impose on us a higher standard of care than otherwise would apply by law without such policies or procedures. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website, website or by calling the number on your statement. Changes to This Agreement We may change this Agreement at any time. We may add new terms. We may delete or amend existing terms. We may add new accounts and services and discontinue existing accounts or services. We may convert existing accounts and services into new accounts and services. We ordinarily send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your account. If you continue to use your account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in this Agreement. See the Notices, Statements and Other Communications section for information about how we provide notice. Closing an Account You or we may close your checking or savings account at any time without advance notice, except that we may require you to give us seven days advance notice when you intend to close your savings or interest bearing checking account by withdrawing your funds. See Notice of Withdrawal in the Other Terms and Services section. You or we may close your time deposit account at maturity without advance notice. Community Bank may close your account or convert your account to another account type at its discretion due to excessive overdrafts. If an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account. If your account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the account open or close the account without notice. Sometimes after an account is closed, we receive a deposit for credit to the account or a check or other item for payment from the account. If this happens, we may at our option and without any liability to you: either return the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item for you, even if this overdraws your account and causes you to incur overdraft fees. Sometimes after an account which had funds in it is closed, and while we are still holding the funds from the account, we receive a withdrawal request, check or other item for payment from the account. We may refuse the withdrawal request and return the check or other item. We are not liable for any losses loss or damage that may result from refusing the withdrawal or dishonoring the check or other item, even if we are still holding funds that would cover the withdrawal, check or other item. When you ask us to close your account, we may continue to pay transactions as we receive them while we process your closure request. When we complete our closure process, we may close your account, even if your account has a balance and transactions you’ve told us about are still pending. If your account is overdrawn when closed, you agree to pay immediately all amounts you owe us. If your account had funds in it when closed, we may:  hold the funds for your pick up or to pay outstanding or expected items or claims;  deposit the funds in another of your accounts with us; or  mail the funds to any of you by check at to the address in our records for the accounton file. If your account earned interest before it closed, your funds stop earning interest when you ask us to close your account, even if we continue to hold the funds. As an example, if we mail funds from an interest bearing account to you by check, then your funds do not earn interest, even if the check is returned to us or is not cashed. Once you return to the U.S. from your tour of duty overseas or relocate to a country that does not have a Community Bank branch, branch generally you are no longer authorized to maintain a banking relationship with Community Bank. We would like to continue to maintain your account; however, we are only authorized to continue account relationships for up to 90 days after you transition to a country that does not have a Community Bank banking center. You must contact Community Bank with the correct mailing address in order to close out your account(s). We will make reasonable attempts to contact you using the information we have on file to get an updated address; however, if we are not able to reach you, the funds will be held in your account and will follow the standard dormant / escheatment process, as applicable by state law. It is important that you provide us with a change of address notice as soon as possible so that we may mail the remaining funds to the correct address. If you have an outstanding installment loan still outstandingloan, you are required to notify Community Bank 30 days prior to your departure date. You may retain a transaction account with us to be used for the automatic payment to be drafted. This account will be closed once the loan is paid off. This Agreement continues to govern matters related to your account account, even after your account closes. Governing Law While many of the federal laws do not apply to bank offices outside the United States, the applicable terms associated with certain laws and regulations outlined in this agreement will be followed. This Agreement, and your and our rights and obligations under this Agreement, are governed by and interpreted according to applicable federal and / or and/or state law. However, your rights and obligations for Remittance Transfers shall be governed by and interpreted as described in the Funds Transfer Services section. We ordinarily maintain your account at the banking center where we open your account. However, we may transfer your account to another banking center in the same Countrycountry.

The Agreement for Your Account. Binding Contract This Deposit Agreement and Disclosures, the applicable Account & Miscellaneous Schedule of Fees, the signature card and other account opening documents for your account are part of the binding contract between you and us (this “Agreement”) for your deposit account and your deposit relationship with us. They contain the terms of our agreement with you. Please read all of these documents carefully. This Deposit Agreement and Disclosures also summarizes certain laws and regulations that apply to common transactions, provides some disclosures for deposit accounts required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover or allows us to change by this contract. The Schedule of Fees lists our accounts and account fees. When you complete our account opening documents (as an example, you sign our signature card), request an account, or keep your account open, you acknowledge that you have reviewed and understand the terms of this Agreement and you agree to be governed by these terms. You understand that these terms, as we may change or supplement them periodically, are a binding contract between you and us for your deposit account and your deposit relationship. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website or by calling the number on your statement. Our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship do not create a fiduciary, quasi-fiduciary or special relationship between usus regardless of how you title your account, or whether you yourself act in a fiduciary or similar capacity with respect to funds deposited with use. We owe you only a duty of ordinary care. Our internal policies and procedures are solely for our own purposes and do not impose on us a higher standard of care than otherwise would apply by law without such policies or procedures. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website, or by calling the number on your statement. Changes to This Agreement We may change this Agreement at any time. We may add new terms. We may delete or amend existing terms. We may add new accounts and services and discontinue existing accounts or services. We may convert existing accounts and services into new accounts and services. We ordinarily send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your account. If you continue to use your account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in this Agreement. See the Notices, Statements and Other Communications section for information about how we provide notice. Closing an Account Closures You or we may close your checking or savings account at any time without advance notice, except that we may require you to give us seven days advance notice when you intend to close your savings or interest interest-bearing checking account by withdrawing your funds. See Notice of Withdrawal in the Other Terms and Services section. You or we may close your time deposit account at maturity without advance notice. Community Bank may close your account or convert your account to another account type at its discretion due to excessive overdraftsoverdrafts or misuse. Community Bank may in its sole discretion and without notice to you, to the extent permissible under applicable law and other governing documents applicable to your account, decline, delay, cancel and/or reverse your orders, transactions or instructions, and/or place disbursement and other restrictions on any of your accounts. If an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account. If your account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the account open or close the account without notice. Sometimes after an account is closed, we receive a deposit for credit to the account or a check or other item for payment from the account. If this happens, we may at our option and without any liability to you: either return the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item for you, even if this overdraws your account and causes you to incur overdraft fees. Sometimes after an account which had funds in it is closed, and while we are still holding the funds from the account, we receive a withdrawal request, check or other item for payment from the account. We may refuse the withdrawal request and return the check or other item. We are not liable for any losses loss or damage that may result from refusing the withdrawal or dishonoring the check or other item, even if we are still holding funds that would cover the withdrawal, check or other item. When you ask us to close your account, we may continue to pay transactions as we receive them while we process your closure request. When we complete our closure process, we may close your account, even if your account has a balance and transactions transactions, you’ve told us about are still pending. If your account is overdrawn when closed, you agree to pay immediately all amounts you owe us. If your account had funds in it when closed, we may:  • hold the funds for your pick up pickup or to pay outstanding or expected items or claims;  • deposit the funds in another of your accounts with us; or  • mail the funds to any of you by check at the address in our records for the account. If your account earned interest before it closed, your funds stop earning interest when you ask us to close your account, even if we continue to hold the funds. As an example, if we mail funds from an interest interest-bearing account to you by check, then your funds do not earn interest, even if the check is returned to us or is not cashed. Once you return to the U.S. from your tour of duty overseas or relocate to a country that does not have a Community Bank branch, branch generally you are no longer authorized to maintain a banking relationship with Community Bank. We would like to continue to maintain your account; however, we are only authorized to continue account relationships for up to 90 days after you transition to a country that does not have a Community Bank banking center. You must contact Community Bank with the correct mailing address in order as soon as possible to close out your account(s)) so we may mail the remaining funds to the correct address. We will make reasonable attempts to contact you using the information we have on file to get for an updated address; however, if we are not able to reach you, the funds will be held in your account and will follow the standard dormant / escheatment process, as applicable by state law. It is important that you provide us with a change of address notice as soon as possible so that we may mail the remaining funds to the correct address. If you have an outstanding installment loan still outstandingloan, you are required to notify Community Bank 30 days prior to your departure date. You may retain a transaction account with us to be used for the automatic payment to be drafted. This account will be closed once the loan is paid off. This Agreement continues to govern matters related to your account account, even after your account closes. Governing Law While many of the federal laws do not apply to bank offices outside the United States, the applicable terms associated with certain laws and regulations outlined in this agreement will be followed. This Agreement, and your and our rights and obligations under this Agreement, are governed by and interpreted according to applicable federal and / or and/or state law. However, your rights and obligations for Remittance Transfers shall be governed by and interpreted as described in the Funds Transfer Services section. We ordinarily maintain your account at the banking center where we open your account. However, we may transfer your account to another banking center in the same Countrycountry.

The Agreement for Your Account. Binding Contract This Deposit Agreement and Disclosures, the applicable Account & Miscellaneous Schedule of Fees, the signature card and other account opening documents for your account are part of the binding contract between you and us (this “Agreement”) for your deposit account and your deposit relationship with us. They contain the terms of our agreement with you. Please read all of these documents carefully. This Deposit Agreement and Disclosures also summarizes certain laws and regulations that apply to common transactions, provides some disclosures for deposit accounts required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover or allows us to change by this contract. The Schedule of Fees lists our accounts and account fees. When you complete our account opening documents (as an example, you sign our signature card), request an account, or keep your account open, you acknowledge that you have reviewed and understand the terms of this Agreement and you agree to be governed by these terms. You understand that these terms, as we may change or supplement them periodically, are a binding contract between you and us for your deposit account and your deposit relationship. Our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship do not create a fiduciary, quasi-fiduciary or special relationship between us. We owe you only a duty of ordinary care. Our internal policies and procedures are solely for our own purposes and do not impose on us a higher standard of care than otherwise would apply by law without such policies or procedures. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website, or by calling the number on your statement. Changes to This Agreement We may change this Agreement at any time. We may add new terms. We may delete or amend existing terms. We may add new accounts and services and discontinue existing accounts or services. We may convert existing accounts and services into new accounts and services. We ordinarily send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your account. If you continue to use your account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in this Agreement. See the Notices, Statements and Other Communications section for information about how we provide notice. Closing an Account You or we may close your checking or savings account at any time without advance notice, except that we may require you to give us seven days advance notice when you intend to close your savings or interest bearing checking account by withdrawing your funds. See Notice of Withdrawal in the Other Terms and Services section. You or we may close your time deposit account at maturity without advance notice. Community Bank may close your account or convert your account to another account type at its discretion due to excessive overdrafts. If an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account. If your account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the account open or close the account without notice. Sometimes after an account is closed, we receive a deposit for credit to the account or a check or other item for payment from the account. If this happens, we may at our option and without any liability to you: either return the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item for you, even if this overdraws your account and causes you to incur overdraft fees. Sometimes after an account which had funds in it is closed, and while we are still holding the funds from the account, we receive a withdrawal request, check or other item for payment from the account. We may refuse the withdrawal request and return the check or other item. We are not liable for any losses or damage that may result from refusing the withdrawal or dishonoring the check or other item, even if we are still holding funds that would cover the withdrawal, check or other item. When you ask us to close your account, we may continue to pay transactions as we receive them while we process your closure request. When we complete our closure process, we may close your account, even if your account has a balance and transactions you’ve told us about are still pending. If your account is overdrawn when closed, you agree to pay immediately all amounts you owe us. If your account had funds in it when closed, we may:  • hold the funds for your pick up or to pay outstanding or expected items or claims;  • deposit the funds in another of your accounts with us; or  • mail the funds to any of you by check at the address in our records for the account. If your account earned interest before it closed, your funds stop earning interest when you ask us to close your account, even if we continue to hold the funds. As an example, if we mail funds from an interest bearing account to you by check, then your funds do not earn interest, even if the check is returned to us or is not cashed. Once you return to the U.S. from your tour of duty overseas or relocate to a country that does not have a Community Bank branch, generally you are no longer authorized to maintain a banking relationship with Community Bank. We would like to continue to maintain your account; however, we are only authorized to continue account relationships for up to 90 days after you transition to a country that does not have a Community Bank banking center. You must contact Community Bank with the correct mailing address in order to close out your account(s). We will make reasonable attempts to contact you using the information we have on file to get an updated address; however, if we are not able to reach you, the funds will be held in your account and will follow the standard dormant / escheatment process, as applicable by state law. It is important that you provide us with a change of address notice as soon as possible so that we may mail the remaining funds to the correct address. If you have an installment loan still outstanding, you are required to notify Community Bank 30 days prior to your departure date. You may retain a transaction account with us to be used for the automatic payment to be drafted. This account will be closed once the loan is paid off. This Agreement continues to govern matters related to your account even after your account closes. Governing Law While many of the federal laws do not apply to bank offices outside the United States, the applicable terms associated with certain laws and regulations outlined in this agreement will be followed. This Agreement, and your and our rights and obligations under this Agreement, are governed by and interpreted according to applicable federal and / or state law. However, your rights and obligations for Remittance Transfers shall be governed by and interpreted as described in the Funds Transfer Services section. We ordinarily maintain your account at the banking center where we open your account. However, we may transfer your account to another banking center in the same Country.

The Agreement for Your Account. Binding Contract This Deposit Agreement and Disclosures, the applicable Account & Miscellaneous Schedule of Fees, the signature card and other account opening documents for your account are part of the binding contract between you and us (this “Agreement”) for your deposit account and your deposit relationship with us. They contain the terms of our agreement with you. Please read all of these documents carefully. This Deposit Agreement and Disclosures also summarizes certain laws and regulations that apply to common transactions, provides some disclosures for deposit accounts required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover or allows us to change by this contract. The Schedule of Fees lists our accounts and account fees. When you complete our account opening documents (as an example, you sign our signature card), request an account, or keep your account open, you acknowledge that you have reviewed and understand the terms of this Agreement and you agree to be governed by these terms. You understand that these terms, as we We may change or supplement them the terms of the Agreement periodically; however, are a binding the contract between you and us the bank for your deposit account and your deposit relationshiprelationship is binding. Our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship do not create a fiduciary, quasi-fiduciary or special relationship between us. We owe you only a duty of ordinary care. Our internal policies and procedures are solely for our own purposes and do not impose on us a higher standard of care than otherwise would apply by law without such policies or procedures. We give this Agreement to you when we open your account. You may obtain additional copies of this Agreement at a banking center, visiting our website, website or by calling the number on your statement. Changes to This Agreement We may change this Agreement at any time. We may add new terms. We may delete or amend existing terms. We may add new accounts and services and discontinue existing accounts or services. We may convert existing accounts and services into new accounts and services. We ordinarily send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. We may, but do not have to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your account. If you continue to use your account or keep it open, you are deemed to accept and agree to the change and are bound by the change. If you do not agree with a change, you may close your account as provided in this Agreement. See the Notices, Statements and Other Communications section for information about how we provide notice. Closing an Account You or we may close your checking or savings account at any time without advance notice, except that we may require you to give us seven days advance notice when you intend to close your savings or interest bearing checking account by withdrawing your funds. See Notice of Withdrawal in the Other Terms and Services section. You or we may close your time deposit account at maturity without advance notice. Community Bank may close your account or convert your account to another account type at its discretion due to excessive overdrafts. If an account was closed and then we reopen it, the account is subject to our standard terms and fees for that type of account. Any waiver that applied before the account was closed does not apply when we reopen the account. If your account reaches a zero balance, or you apply for an account but never deposit funds into it, we may either keep the account open or close the account without notice. Sometimes after an account is closed, we receive a deposit for credit to the account or a check or other item for payment from the account. If this happens, we may at our option and without any liability to you: either return the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item; or we may reopen the account and accept the deposit, check or other item for you, even if this overdraws your account and causes you to incur overdraft fees. Sometimes after an account which had funds in it is closed, and while we are still holding the funds from the account, we receive a withdrawal request, check or other item for payment from the account. We may refuse the withdrawal request and return the check or other item. We are not liable for any losses loss or damage that may result from refusing the withdrawal or dishonoring the check or other item, even if we are still holding funds that would cover the withdrawal, check or other item. When you ask us to close your account, we may continue to pay transactions as we receive them while we process your closure request. When we complete our closure process, we may close your account, even if your account has a balance and transactions you’ve told us about are still pending. If your account is overdrawn when closed, you agree to pay immediately all amounts you owe us. If your account had funds in it when closed, we may:  • hold the funds for your pick up or to pay outstanding or expected items or claims;  • deposit the funds in another of your accounts with us; or  • mail the funds to any of you by check at to the address in our records for the accounton file. If your account earned interest before it closed, your funds stop earning interest when you ask us to close your account, even if we continue to hold the funds. As an example, if we mail funds from an interest bearing account to you by check, then your funds do not earn interest, even if the check is returned to us or is not cashed. Once you return to the U.S. from your tour of duty overseas or relocate to a country that does not have a Community Bank branch, branch generally you are no longer authorized to maintain a banking relationship with Community Bank. We would like to continue to maintain your account; however, we are only authorized to continue account relationships for up to 90 days after you transition to a country that does not have a Community Bank banking center. You must contact Community Bank with the correct mailing address in order to close out your account(s). We will make reasonable attempts to contact you using the information we have on file to get an updated address; however, if we are not able to reach you, the funds will be held in your account and will follow the standard dormant / escheatment process, as applicable by state law. It is important that you provide us with a change of address notice as soon as possible so that we may mail the remaining funds to the correct address. If you have an outstanding installment loan still outstandingloan, you are required to notify Community Bank 30 days prior to your departure date. You may retain a transaction account with us to be used for the automatic payment to be drafted. This account will be closed once the loan is paid off. This Agreement continues to govern matters related to your account account, even after your account closes. Governing Law While many of the federal laws do not apply to bank offices outside the United States, the applicable terms associated with certain laws and regulations outlined in this agreement will be followed. This Agreement, and your and our rights and obligations under this Agreement, are governed by and interpreted according to applicable federal and / or and/or state law. However, your rights and obligations for Remittance Transfers shall be governed by and interpreted as described in the Funds Transfer Services section. We ordinarily maintain your account at the banking center where we open your account. However, we may transfer your account to another banking center in the same Countrycountry.