Common use of with us Clause in Contracts

with us. All subsequent Accounts opened by you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto ▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the 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. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. 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 the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to to, or removed from the Accountaccount. The Credit Union will assign account ownership based Based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You you authorize us to establish one or more Accounts from time to time for you or and those on your behalf of third Parties as designated in your Membership Application or in any other application or document Account authorization you may execute with us (collectively, the "“Application"”), including without limitation, but not limited to any Savings Account, Club Account, Checking Account, Money Market Account, Business or Organization Account, and Organizational account or Term Share Certificate Account. By opening or using any such AccountAccount with us, you agree to be bound by the terms of this Agreement if your Account is held for personal, family, or household purposes whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organizationassociation with regard to any such Account. If your Account is held for personal, family, or household purposes, you You also acknowledge receipt of and agree to be bound by our Truth-In-Savings TIS Account DisclosureDisclosures & Rate Schedule along with the TIS Fee Schedule, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time time, and to conform to our rules, regulations, bylaws, policies and policies procedures now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Account Agreement and the Truth-In-Savings TIS Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures & Rate Schedule and Rate and the TIS Fee SchedulesSchedule, the terms appearing in the TIS Account Disclosures & Rate Schedule and Rate and the TIS Fee Schedules Schedule will control. The Truth-In-Savings TIS Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures & Rate Schedule and Rate and the TIS Fee Schedules Schedule are incorporated by reference into this Agreement. This Agreement is incorporated into and made a part of any Application or other document that you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. Unless any other account agreement you have with us specifically provides otherwise, this Agreement supersedes any other account agreement you may have with us and, in the event of any conflict between the provisions of this Agreement and any other such agreement, the terms and conditions set forth in this Agreement will control. You agree, when we post changes to this Agreement, TIS Account Disclosures & Rate Schedule and the TIS Fee Schedules to our website these changes become effective immediately subject to any notification requirements imposed under the Truth-in-Savings Act. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto ▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ into Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes The USA PATRIOT Act requires financial institutions to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or servicesidentify potential members before opening an account. When you open an account with us we change this Agreement, require the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions legal name of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇individual and/or entity, for easy reference in the futurephysical address, date of birth, Social Security Number, Individual Taxpayer identification Number or Employer Identification Number. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website Additional information may be required that will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change allow us to the 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 properly identify you. We will not establish accounts if the required information and documentation is not provided. The following valid IDs are not required to send you notice the only forms of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents identification accepted by us. • US driver’s license • US state-issued ID card (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound issued by the changeDepartment of Motor Vehicles) • Passport with photo and in English • Passport Card • Uniformed Services ID card • Common Access Card (CAC) • Matricula Consular • Resident Alien or Permanent Resident Card (a “Green Card”) • United States Employment Authorization Card • Concealed Handgun License – Same as License to Carry (Texas) We require all members and non-members transacting business with us in any capacity to be identified with the forms of identification accepted by us. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, We require said Parties to provide information and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time documentation to time in our sole discretion, subject to applicable law. You support their request which will be given advance notification of any change in terms reviewed and must be deemed compliant with our Identification Policy. We maintain the right to any of these agreementsrefuse the transaction/request based on the information and/or documentation provided. Additionally, schedulesif a person or entity refuses to adhere to our Identification Policy, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To we will deny the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Truth in Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate Disclosure and Fee Schedules Schedule as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Truth in Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate Disclosures and Fee SchedulesSchedule, the Disclosures and Rate Disclosure and Fee Schedules Schedule will control. The Truth-In-Truth in Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate Disclosure and Fee Schedules Schedule are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also authorize us to use your credit report to consider whether to offer other products and services to you and you understand that when you agree and specifically intend this authorization to accept all documents electronically, you confirm that you have apply to the ability to receive documents via the email address you provide, or you may log onto ▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ to view all documentscurrent inquiries and future credit inquiries. You understand and agree it is that your obligation authorization will remain in effect until you provide written notice of your revocation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes to This Agreement We may change this Agreement at any timeus. We may add new termsrequire all members and non-members transacting business with RBFCU in any capacity to be identified with the forms of identification accepted by RBFCU. We require said Parties to provide information and documentation to support their request, delete which will be reviewed and must be deemed compliant with our Identification Policy. In certain circumstances, RBFCU reserves the right to require multiple forms of identification. RBFCU maintains the right to refuse the transaction/request based on the information and/or documentation provided. Additionally, if a person or amend existing termsentity refuses to adhere to our Identification Policy, add new we will deny the transaction and/or request. • US driver’s license • US state-issued ID card (issued by the Department of Motor Vehicles) • Passport with photo and in English • Passport Card • Uniformed Services ID card • Common Access Card (CAC) • Matricula Consular • Resident Alien or Permanent Resident Card (a “Green Card”) • United States Employment Authorization Card • Concealed Handgun License – Same as License to Carry (Texas) Truth in Savings Disclosure that apply to each of your Accounts, and discontinue existing Accounts or services. When we change this Agreement, including the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the 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. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes the annual percentage yield on your Accounts, are set out on the Truth in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. 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 the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate Disclosure and Fee Schedules, and any notice, agreement, or policy made a part of Schedule that accompany this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto ▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ RBFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes The USA PATRIOT Act requires financial institutions to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or servicesidentify potential members before opening an account. When you open an account with RBFCU we change this Agreement, require the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions legal name of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇individual and/or entity, for easy reference in the futurephysical address, date of birth, Social Security Number, Individual Taxpayer identification Number or Employer Identification Number. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website Additional information may be required that will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change allow us to the 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 properly identify you. We will not establish accounts if the required information and documentation is not provided. The following are not required to send you notice the only forms of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents identification accepted by RBFCU.  US driver’s license  US state-issued ID card (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound issued by the changeDepartment of Motor Vehicles)  Passport with photo and in English  Passport Card  Uniformed Services ID card  Common Access Card (CAC)  Matricula Consular  Resident Alien or Permanent Resident Card (a “Green Card”)  United States Employment Authorization Card  Concealed Handgun License – Same as License to Carry (Texas) We require all members and non-members transacting business with RBFCU in any capacity to be identified with the forms of identification accepted by RBFCU. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, We require said Parties to provide information and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time documentation to time in our sole discretion, subject to applicable law. You support their request which will be given advance notification of any change in terms reviewed and must be deemed compliant with our Identification Policy. RBFCU maintains the right to any of these agreementsrefuse the transaction/request based on the information and/or documentation provided. Additionally, schedulesif a person or entity refuses to adhere to our Identification Policy, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To we will deny the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto ▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ RBFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW PERSONAL ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to This Agreement We may change obtain, verify, and record information that identifies each person who opens an account. What this Agreement at any timemeans for you: When you open an account, we will ask for your legal name, physical address, date of birth, Social Security Number or Individual Taxpayer Identification Number and other information that will allow us to identify you. We may add new terms, delete also ask to see your driver’s license or amend existing terms, add new Accounts, other identifying documents. • US driver’s license • US state-issued ID card (issued by the Department of Motor Vehicles) • Passport with photo and discontinue existing Accounts in English • Passport Card • Uniformed Services ID card • Common Access Card (CAC) • Matricula Consular • Resident Alien or services. When we change this Agreement, Permanent Resident Card (a “Green Card”) • United States Employment Authorization Card • Concealed Handgun License – Same as License to Carry (Texas) We require all members and non-members transacting business with RBFCU in any capacity to be identified with the then-current version forms of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will controlidentification accepted by RBFCU. We may convert existing Accounts require said Parties to provide information and services into new Accounts documentation to support their request which will be reviewed and servicesmust be deemed compliant with our Identification Policy. We ordinarily send you advance notice of an adverse change RBFCU maintains the right to refuse the Agreementtransaction/request based on the information and/or documentation provided. HoweverAdditionally, if a person or entity refuses to adhere to our Identification Policy, 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. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See will deny the Notices, Statements, and Other Communications section for information about how we provide notice. 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 the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts opened by Please read this Agreement carefully so you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. understand your rights and obligations for your deposit Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, and retain a copy for your records. If you have any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of questions about this Agreement whether you are acting in or your individual capacityAccounts, in a fiduciary capacityplease contact our Customer Call Center at ▇▇▇-▇▇▇-▇▇▇▇ or visit our website, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto ▇▇▇.▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ . This Agreement is made between you (collectively, “Customer”, “you”, or “your”) and Bank Rhode Island (collectively, “Bank”, “we”, “our”, “us”) and governs our relationship. This Agreement replaces and supersedes any prior Personal Deposit Account Agreement and Disclosures you may have had with us. By opening and maintaining a personal deposit Account with us, or by continuing to view all documentsmaintain or use an existing personal deposit Account with us, you agree to be bound by the terms and conditions of this Agreement. Scope of this Agreement This Agreement is supplemented by the terms of other agreements you may have entered into with us, or will enter into with us in the future based on the services you request that we provide to you, including, but not limited to the eStatements Agreement, External Transfers Agreement, Funds Availability Policy, Online Banking Agreement, Privacy Notice, and, as applicable, related fee schedules and disclosures that govern the terms, conditions, and fees of your personal deposit Account(s) with us, each as may be amended from time to time (such Account agreements, fee schedules and related disclosures being referred to as an “Account Agreement” and collectively as the “Account Agreements”). The terms and conditions of your Account Agreements are incorporated by reference and made a part of this Agreement. In the event of a conflict between the terms of this Agreement and any Account Agreements, the terms of this Agreement shall control as in regard to the provision of services outlined below. Any terms not defined in this Agreement shall have the meaning assigned to them in the Account Agreements. This Agreement is for personal Accounts only, personal deposit Accounts are those Accounts that are used for personal, family, or household purposes. For information on other types of Accounts we offer, please visit our website, contact us at Definitions Capitalized terms used in this Agreement are defined in parenthesis where they appear, as above with the definition of this Agreement. References to “Customer”, “you”, or “your” apply to you or anyone else with the authority to deposit, withdraw, or exercise control over the funds in the Account. The headings in this document are for convenience purposes only. Governing Law, Venue This Agreement and your and our rights and obligations under this Agreement are governed by and interpreted according to federal laws and the laws of the State of Rhode Island (except to the extent that this Agreement can and does vary from such rules or laws) and without regard to choice of law principles. This Agreement, as well as the parties’ rights and obligations, shall be interpreted, enforced, and governed by and under the laws of the United States and the State of Rhode Island. Any lawsuit between the Bank and you, arising under this Agreement or otherwise, shall be brought only in a court located within the state of Rhode Island. EACH OF THE PARTIES HERETO HEREBY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY. Binding Contract This Deposit Agreement and Disclosures, along with any other documents we give you pertaining to your Account(s), is a binding contract that establishes rules that govern your deposit Account and relationship with us. If you sign the Account application, or open, or continue to have your Account with us, you agree to these rules. You will receive a separate Account Disclosure and Service Fee Schedule, which discloses the interest rate, annual percentage yield, qualifying balances, fees, and other important information applicable to your Account. You understand that the terms and agree conditions set forth in this Agreement may be changed or supplemented by us from time to time and that your continued use of the Account constitutes your acceptance of these changes. This Agreement provides a summary of certain laws and regulations that apply to common transactions, provides some disclosures for deposit Accounts that are required by federal law, and establishes terms that cover some transactions or situations that the law either does not cover, or that it is your obligation allows us to update us when your email address changes or if, for any reasonchange in this Agreement. By opening an Account with us, you acknowledge that our deposit relationship with you is that of debtor and creditor. This Agreement and the deposit relationship established by it does not create a fiduciary relationship between us. We owe you a duty of ordinary care. Any of our internal policies are unable solely for our purposes and do not impose a higher standard of care on us than would otherwise apply by law without such policies and procedures. Business Day For purposes of this Agreement and Disclosures the term “business day” refers to receive or access documentsevery day, except Saturdays, Sundays, and federal holidays. Changes to This Agreement We may change make changes to this Agreement at any timetime without providing advanced notice to you. We may add new terms, delete or amend existing remove terms, add new Accountsservices, and or discontinue existing Accounts or services. When Ordinarily we change this Agreementwill send you advanced notice of any adverse changes, but we may make these changes without advanced notice if notice is not required by law. Please see the then-current version Notices section of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the Agreement. However, more information about how we may make changes without prior notice unless otherwise required by lawprovide notice. We may, but do are not have required to, notify you of changes that we make for security reasons or that we believe are either beneficial or not adverse to you. We are not required When we make changes to send you notice the Agreement, the then-current version of dividend rate this Agreement supersedes any existing versions of this Agreement and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide noticegoverns your Account. If you continue to use your Account or keep it openremains open after a change, you are deemed to accept and agree to have accepted the change and are bound by the changeit. If you do not agree with a to the change, you may close your Account as provided for in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:.

with us. All subsequent Accounts opened by Please read this Agreement carefully so you and/or subsequent Accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. understand your rights and obligations for your deposit Account ownership will be determined by you at the time the Account is opened and/, or owners are added to the Account. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, and retain a copy for your records. If you have any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of questions about this Agreement whether you are acting in or your individual capacityAccounts, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by please contact our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You also understand that when you agree to accept all documents electronically, you confirm that you have the ability to receive documents via the email address you provide, or you may log onto Customer Call Center at ▇▇▇-▇▇▇.-▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ to view all documentsor visit our website, www. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. This Agreement is made between you (collectively, for easy reference in the future“Customer”, “you”, or “your”) and Brookline Bank (collectively, “Bank”, “we”, “our”, “us”) and governs our relationship. In case of This Agreement replaces and supersedes any conflict between any version of the agreements prior Personal Deposit Account Agreement and disclosures Disclosures you may have had with us. By opening and the versions appearing on our websitemaintaining a personal deposit Account with us, the versions on our website will control. We may convert or by continuing to maintain or use an existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the 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. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your personal deposit Account or keep it openwith us, you are deemed to accept and agree to the change and are be bound by the change. If you do not agree with a change, you may close your Account as provided in the terms and conditions of this Agreement. You agree that we may add to, change, or delete Scope of this Agreement This Agreement is supplemented by the terms of this other agreements you may have entered into with us, or will enter into with us in the future based on the services you request that we provide to you, including, but not limited to the eStatements Agreement, External Transfers Agreement, Funds Availability Policy, Online Banking Agreement, Privacy Notice, and, as applicable, related fee schedules and disclosures that govern the terms, conditions, and fees of your personal deposit Account(s) with us, each as may be amended from time to time (such Account agreements, fee schedules and related disclosures being referred to as an “Account Agreement, ” and collectively as the Truth-In-Savings “Account Disclosure, Electronic Funds Transfer Disclosure, Agreements”). The terms and Rate conditions of your Account Agreements are incorporated by reference and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement. In the event of a conflict between the terms of this Agreement and any Account Agreements, from time the terms of this Agreement shall control as in regard to time the provision of services outlined below. Any terms not defined in our sole discretionthis Agreement shall have the meaning assigned to them in the Account Agreements. This Agreement is for personal Accounts only, subject to applicable law. You will be given advance notification of any change in terms to any of these agreementspersonal deposit Accounts are those Accounts that are used for personal, schedules, noticesfamily, or policies household purposes. For information on other types of Accounts we offer, please visit our website, contact us at ▇▇▇- ▇▇▇-▇▇▇▇, or visit one of our offices. Definitions Capitalized terms used in this Agreement are defined in parenthesis where they appear, as prescribed above with the definition of this Agreement. References to “Customer”, “you”, or “your” apply to you or anyone else with the authority to deposit, withdraw, or exercise control over the funds in the Account. The headings in this document are for convenience purposes only. Governing Law, Venue This Agreement and your and our rights and obligations under this Agreement are governed by banking regulation. Arbitration and Waiver interpreted according to federal laws and the laws of Class Action To the Commonwealth of Massachusetts (except to the extent allowed that this Agreement can and does vary from such rules or laws). This Agreement, as well as the parties’ rights and obligations, shall be interpreted, enforced, and governed by law, all claims or controversies arising between you and under the laws of the United States and the Credit Union Commonwealth of Massachusetts. Any lawsuit between the Bank and you, arising under this Agreement or otherwise, shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:brought in a court located within the Commonwealth of Massachusetts.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto ▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ RBFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes We require all members and non-members transacting business with RBFCU in any capacity to This Agreement be identified with the forms of identification accepted by RBFCU. We may change require said Parties to provide information and documentation to support their request, which will be reviewed and must be deemed compliant with our Identification Policy. In certain circumstances, RBFCU reserves the right to require multiple forms of identification. RBFCU maintains the right to refuse the transaction/request based on the information and/or documentation provided. Additionally, if a person or entity refuses to adhere to our Identification Policy, we will deny the transaction and/or request. • US driver’s license • US state-issued ID card (issued by the Department of Motor Vehicles) • Passport with photo and in English • Passport Card • Uniformed Services ID card • Common Access Card (CAC) • Matricula Consular • Resident Alien or Permanent Resident Card (a “Green Card”) • United States Employment Authorization Card • Concealed Handgun License – Same as License to Carry (Texas) IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person (business and individuals) who opens any financial transaction account(s) including deposits, loans and safe deposit boxes. What this Agreement at means for you: When you open any timefinancial transaction account, we will ask for your legal name, address (mailing and physical if different), date of birth, Social Security Number or Individual Taxpayer Identification Number and other information that will allow us to identify you. We may add new terms, delete also ask to see your current driver’s license or amend existing terms, add new Accounts, and discontinue existing Accounts or services. When we change this Agreement, the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, for easy reference in the futureother valid identifying documents. In case all cases, protection of any conflict between any version of the agreements our member’s identity and disclosures and the versions appearing on confidentiality is our website, the versions on our website will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change to the 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 pledge to you. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. 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 the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto ▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ RBFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW PERSONAL ACCOUNT To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to This Agreement We may change obtain, verify, and record information that identifies each person who opens an account. What this Agreement at any timemeans for you: When you open an account, we will ask for your legal name, physical address, date of birth, Social Security Number or Individual Taxpayer Identification Number and other information that will allow us to identify you. We may add new terms, delete also ask to see your driver’s license or amend existing terms, add new Accounts, other identifying documents.  US driver’s license  US state-issued ID card (issued by the Department of Motor Vehicles)  Passport with photo and discontinue existing Accounts in English  Passport Card  Uniformed Services ID card  Common Access Card (CAC)  Matricula Consular  Resident Alien or services. When we change this Agreement, Permanent Resident Card (a “Green Card”)  United States Employment Authorization Card  Concealed Handgun License – Same as License to Carry (Texas) We require all members and non-members transacting business with RBFCU in any capacity to be identified with the then-current version forms of this Agreement supersedes all prior versions and governs your Account. The most current versions of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, for easy reference in the future. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website will controlidentification accepted by RBFCU. We may convert existing Accounts require said Parties to provide information and services into new Accounts documentation to support their request which will be reviewed and servicesmust be deemed compliant with our Identification Policy. We ordinarily send you advance notice of an adverse change RBFCU maintains the right to refuse the Agreementtransaction/request based on the information and/or documentation provided. HoweverAdditionally, if a person or entity refuses to adhere to our Identification Policy, 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. We are not required to send you notice of dividend rate and APY changes for variable rate Accounts or notice of changes in printing fees for documents (such as checks). See will deny the Notices, Statements, and Other Communications section for information about how we provide notice. 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 the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time to time in our sole discretion, subject to applicable law. You will be given advance notification of any change in terms to any of these agreements, schedules, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.

with us. All subsequent Accounts accounts opened by you and/or subsequent Accounts accounts you are added to as an owner, reflecting any existing “like ownership,” will be governed by this application. Account ownership will be determined by you at the time the Account account is opened and/, or and/or owners are added to the Accountaccount. The Credit Union will assign account ownership based on your request, which may be accepted in-person, verbally over the phone, via secured message, message or online chat. You authorize us to establish one or more Accounts for you or on behalf of third Parties as designated in your Membership Application or in any other application or document you may execute with us (collectively, the "Application"), including without limitation, any Savings Account, Checking Account, Money Market Account, Business or Organization Account, and Certificate Account. By opening or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity, or in your capacity as an officer, agent, or representative of any business entity or organization. If your Account is held for personal, family, or household purposes, you also acknowledge receipt of and agree to be bound by our Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Agreement and the Truth-In-Savings Account Disclosures, Electronic Funds Transfer Disclosure, Disclosures and Rate and Fee Schedules, the Disclosures and Rate and Fee Schedules will control. The Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosures, Disclosures and Rate and Fee Schedules are incorporated into this Agreement. This Agreement is incorporated into and made a part of any Application you execute or receive in connection with the opening or use of any Account. You authorize us to verify and retain this information. You authorize us to use your credit report to consider whether to offer other products and services to you and you understand and specifically intend this authorization to apply to the current inquiries and future credit inquiries. You understand and agree that your authorization will remain in effect until you provide written notice of your revocation to us. You also understand that when you agree to accept all documents electronically, you also confirm that you have the ability to receive documents via the email address you provide, provide or you may log onto ▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ SFCU Online Banking to view all documents. You understand and agree it is your obligation to update us when your email address changes or if, for any reason, you are unable to receive or access documents. Changes The USA PATRIOT Act requires financial institutions to This Agreement We may change this Agreement at any time. We may add new terms, delete or amend existing terms, add new Accounts, and discontinue existing Accounts or servicesidentify potential members before opening an account. When you open an account with SFCU we change this Agreement, require the then-current version of this Agreement supersedes all prior versions and governs your Account. The most current versions legal name of the agreements and disclosures are available on our website at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇individual and/or entity, for easy reference in the futurephysical address, date of birth, Social Security Number, Individual Taxpayer identification Number or Employer Identification Number. In case of any conflict between any version of the agreements and disclosures and the versions appearing on our website, the versions on our website Additional information may be required that will control. We may convert existing Accounts and services into new Accounts and services. We ordinarily send you advance notice of an adverse change allow us to the 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 properly identify you. We will not establish accounts if the required information and documentation is not provided. The following are not required to send you notice the only forms of dividend rate and APY changes for variable rate Accounts identification accepted by SFCU. • US driver’s license or notice of changes in printing fees for documents US state-issued ID card (such as checks). See the Notices, Statements, and Other Communications section for information about how we provide notice. If you continue to use your Account or keep it open, you are deemed to accept and agree to the change and are bound issued by the changeDepartment of Motor Vehicles) • Passport with photo and in English • Passport Card • Uniformed Services ID card • Resident Alien or Permanent Resident Card (a“Green Card”) • United States Employment AuthorizationCard • Concealed Handgun License – Same as License to Carry (Mississippi) We require all members and non-members transacting business with SFCU in any capacity to be identified with the forms of identification accepted by SFCU. If you do not agree with a change, you may close your Account as provided in the Agreement. You agree that we may add to, change, or delete the terms of this Account Agreement, the Truth-In-Savings Account Disclosure, Electronic Funds Transfer Disclosure, We require said Parties to provide information and Rate and Fee Schedules, and any notice, agreement, or policy made a part of this Agreement, from time documentation to time in our sole discretion, subject to applicable law. You support their request which will be given advance notification of any change in terms reviewed and must be deemed compliant with our Identification Policy. SFCU maintains the right to any of these agreementsrefuse the transaction/request based on the information and/or documentation provided. Additionally, schedulesif a person or entity refuses to adhere to our Identification Policy, notices, or policies as prescribed by banking regulation. Arbitration and Waiver of Class Action To we will deny the extent allowed by law, all claims or controversies arising between you and the Credit Union shall be subject to arbitration. ARBITRATION IS FINAL AND BINDING ON THE PARTIES AND SUBJECT TO ONLY VERY LIMITED REVIEW BY A COURT. IN ARBITRATION THE PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT, INCLUDING THEIR RIGHT TO A JURY TRIAL. IF YOU HAVE ANY QUESTIONS ABOUT ARBITRATION, CONSULT AN ATTORNEY OR THE AMERICAN ARBITRATION ASSOCIATION. YOU AGREE AND UNDERSTAND (I) THAT YOU AND WE ARE BOTH GIVING UP THE RIGHT TO TRIAL BY JURY AND (II) THAT YOU AND WE ARE PRECLUDED FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER PERSONS (THE “CLASS ACTION WAIVER”). ARBITRATION PROVISIONS:transaction and/or request.