Common use of You and Your Account Clause in Contracts

You and Your Account. ‌ When you open a deposit Account with us, you give us information about business entity and its authorized signers and confirm that it is correct. We enter the information into our records systems. We may rely on that information until you notify us of a change and we have had a reasonable time to act on the new information. Federal law, including the USA PATRIOT Act, requires all financial institutions to obtain, verify and record information that identifies each customer who opens an account and any person who exercises authority and/or control over an account with that financial institution. When you apply for an Account, we will ask for the legal business name, address, and Tax Identification Number (TIN). We will also ask for the legal name, address, date of birth, and TIN for each authorized signer. We will require two or more forms of identification for the business entity and two or more forms of identification, one of which must be an unexpired photo identification for each authorized signer. We may validate the information you provide to us to ensure we have a reasonable assurance of your identity. We may contact you for additional information. When we are not able to verify your identity to our satisfaction, we will not open your Account if this determination is made at the time that you apply for the account; if the Account has already been opened and/or funded, we will restrict access to your Account and any funds on deposit until such time that we can close the Account. If the Account owner is a corporation, unincorporated association, limited liability company, limited liability partnership, fiduciary, partnership, sole proprietorship or other entity holding an Account in any capacity other than an individual capacity, each person signing the signature card or completing other account opening requirements represents and agrees that they: are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity; have furnished all documents or other information necessary to demonstrate that authority; and will furnish other documents and complete other requirements as we may request from time to time. We may refuse to recognize any resolution affecting the Account that is not on our form or that appears to us to be incomplete or improperly executed. We may make any inquiries that we consider appropriate to help us verify your identity and determine if we should open, maintain, collect or close your Account. When you open an Account, we may rely on information you give us and we maintain in our records. We determine the type and ownership of the Account from this information. When you ask us to make a change to this information or your Account, and we agree to the change, the change is not effective until we have had a reasonable time to act on the new information. As an example, if you ask us to change the signers on your Account, your requested change is not effective until we have a reasonable time to act on it. If we ask you to give us additional documents or information, and you do not do so promptly, we may close your Account.

You and Your Account. ‌ Information You Give Us When you open a deposit Account an account with us, you give us information about business entity and its authorized signers yourself and confirm that it is correct. We enter the information into our records systemsrecords. We may rely on that information until you notify us of a change and we have had a reasonable time to act on the new information. Identification Federal law, including the USA PATRIOT Act, requires all financial institutions to obtain, verify and record information that identifies each customer who opens an account and any person who exercises authority and/or control over an account with that financial institution. When you apply for an Accountaccount (as an owner or signer), we will may ask for the your legal business name, address, date of birth and your Tax Identification Number (TIN). We will also ask for the legal name, address, date of birth, and TIN for each authorized signer. We will may require two one or more forms of identification for the business entity and two or more forms of identification, one of which must be an unexpired photo identification for each authorized signeridentification. We may validate the information you provide to us to ensure we have a reasonable assurance of your identity. We may contact you for additional information. When If your account is funded before we verify your information, you may not have access to your funds. If we are not able to verify your identity to our satisfaction, we will not open your Account if this determination is made at the time that you apply for the account; if the Account has already been opened and/or funded, account or we will restrict access to your Account and any funds on deposit until such time that we can may close the Accountaccount if it was previously funded. If Community Bank’s Privacy Policy Our privacy policy is described on our website, xxx.xxxxxxxxxxxxxxxx.xxx. The privacy policy describes our policy on handling customer information and describes the Account owner is a corporation, unincorporated association, limited liability company, limited liability partnership, fiduciary, partnership, sole proprietorship or other entity holding an Account in any capacity other than an individual capacity, each person signing the signature card or completing other account opening requirements represents and agrees that they: are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity; have furnished all documents or other information necessary to demonstrate that authority; and will furnish other documents and complete other requirements as situations when we may request from time to timedisclose information, including some examples. We may refuse to recognize any resolution affecting the Account that This privacy policy is not binding on our form or that appears to us to be incomplete or improperly executedus. Credit Reports and Other Inquiries We may make any inquiries that we consider appropriate to help us verify your identity and determine if we should open, maintain, collect or close your Accountaccount. When you open an AccountThis may include verification of employment and credit reports or other reports from account information services and credit reporting agencies. Disclosing Information About You and Your Account This section applies to both organizational and personal accounts. We may disclose information about your accounts to credit reporting agencies, the Department of Defense, and to other persons or agencies who, in our judgment, have a legitimate purpose for obtaining information. From time to time, subject to any applicable financial privacy laws or other laws or regulations, we may rely provide information on you and your accounts: • where it is necessary for completing transactions; • to account information you give services, such as ChexSystems, Inc.; • to anyone who we reasonably believe is conducting a legitimate credit inquiry, including inquiries to verify the existence or condition of an account for a third party such as a lender, merchant or credit bureau; • in response to any subpoena, summons, court or administrative order, or other legal process which we believe requires our compliance; • in connection with collection of indebtedness or to report losses incurred by us; • in compliance with any agreement between us and we maintain a professional, regulatory or disciplinary body; • in connection with potential sales or transfers of business operations; • to service providers who help us meet your needs by assisting us in providing or offering our recordsproducts or services; and • to other third parties or as required under applicable law or regulation. We determine the type and ownership of the Account from this information. When you ask us to make a change to this information or your Account, and we agree to the change, the change is not effective until we have had a reasonable time to act on the new information. As an example, if you ask us to change the signers on your Account, your requested change is not effective until we have a reasonable time to act on itInformation Services. If we ask you to give us additional documents or information, and you do not do so promptlyclose your account because of your unsatisfactory handling, we may close report to account information services such as ChexSystems, Inc. Your name, address, Taxpayer Identification Number (TIN), driver’s license number (or other identification number) and the date and reason we closed the account will be included in such reporting. The account information service may supply this information to others. This may adversely impact your Accountability to establish an account at any financial institution for up to five years from the date of the report. Government Notification. Because of the unique nature of the Community Bank (i.e., that it is operated under the authority of the U.S. Department of Defense), the following additional actions will occur in the event negative activity is recorded for your account. Once a deposit account or loan with Community Bank is charged-off, we will report this information to the appropriate U.S. Government office in addition to any account information services. The Government will use this information to collect the monies owed.

You and Your Account. ‌ Information You Give Us When you open a deposit Account an account with us, you give us information about business entity and its authorized signers yourself and confirm that it is correct. We enter the information into our records systemsrecords. We may rely on that information until you notify us of a change change, and we have had a reasonable amount of time to act on the new information. Identification Federal law, including the USA PATRIOT Act, requires all financial institutions to obtain, verify and record information that identifies each customer who opens an account and any person who exercises authority and/or control over an account with that financial institution. When you apply for an Accountaccount, we will ask for the legal business name, address, and Tax Identification Number (TIN). We will also ask for the your full legal name, address, date of birth, Tax Identification Number (TIN), employer, occupation, and TIN for each authorized signercountry of citizenship. We will may require two one or more forms of identification for the business entity and two or more forms of identification, one of which must be an unexpired photo identification for each authorized signeridentification. We may validate the information you provide to us to ensure we have a reasonable assurance of your identity. We may contact you for additional information. When If your account is funded before we verify your information, you may not have access to your funds. If we are not able to verify your identity to our satisfaction, we will not open your Account account or we may close the account if this determination it was previously funded. Community Bank’s Privacy Policy Our privacy policy for our customers is made at described and viewable on our website, xxx.xxxxxxxxxxxxxxxx.xxx. The privacy policy describes our policy on handling customer information and describes the time that situations when we may disclose information, including some examples. In order to provide you with bank accounts and other products and services, we need to collect, use, share, and store personal information about you and your transactions. Your information includes information which we: • obtain from you or from 3rd parties, such as employers, credit reference agencies, fraud prevention agencies, or other organizations when you apply for an account with us or for any of our other products or services, or which you or they give to us at any other time; or • learn from the account; way in which your accounts with us are administered and managed, from the transactions made such as the date, amount, currency, and the name and type of supplier (for example, retail services) and from the payments which are made to and from your accounts with us. Where you have provided personal and financial information about others (such as dependents, other family members, and a joint account holder) you confirm you have their consent or are otherwise entitled to provide this information to us and for it to be used in accordance with this Agreement and /or other agreements we provide to you that govern the terms of those services, such as the separate agreements we have for ATM and debit cards and Online and Mobile Banking services. We and other entities associated with Community Bank will use your information (if required) to process and store your application, manage your accounts, give you statements, and provide our products and services, to make credit decisions about you (and anyone to whom you are financially linked) for assessment and analysis (including credit and / or behavior scoring, market, and product analysis), to prevent and detect fraud, money laundering and other crime, to carry out regulatory checks, to meet our obligations to any relevant regulatory authority, to develop and improve our services to you, to recover debts and to protect our interests. Your information may be transferred to one of our processing centers or to a service provider or agent in another country for the Account has already been opened and/or fundedpurposes as stated above (i.e. collect, we use, share, or store personal information). We will restrict access make sure our processing centers, service providers or agents agree to your Account and any funds on deposit until such time that we can close apply the Account. If the Account owner is a corporation, unincorporated association, limited liability company, limited liability partnership, fiduciary, partnership, sole proprietorship or other entity holding an Account in any capacity other than an individual capacity, each person signing the signature card or completing other account opening requirements represents and agrees that they: are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity; have furnished all documents or other information necessary to demonstrate that authority; and will furnish other documents and complete other requirements same levels of protection as we may request from time to time. We may refuse to recognize any resolution affecting the Account that is not on our form or that appears to us to be incomplete or improperly executed. We may make any inquiries that we consider appropriate to help us verify your identity and determine if we should openare required to, maintain, collect or close your Account. When you open an Account, we may rely on information you give us and we maintain as stated in our records. We determine the type and ownership of the Account from this information. When you ask us to make a change to this information or your Account, and we agree to the change, the change is not effective until we have had a reasonable time to act on the new information. As an example, if you ask us to change the signers on your Account, your requested change is not effective until we have a reasonable time to act on it. If we ask you to give us additional documents or information, and you do not do so promptly, we may close your AccountPrivacy Policy.

You and Your Account. ‌ Information You Give Us When you open a deposit Account an account with us, you give us information about business entity and its authorized signers yourself and confirm that it is correct. We enter the information into our records systemsrecords. We may rely on that information until you notify us of a change change, and we have had a reasonable amount of time to act on the new information. Identification Federal law, including the USA PATRIOT Act, requires all financial institutions to obtain, verify and record information that identifies each customer who opens an account and any person who exercises authority and/or control over an account with that financial institution. When you apply for an Accountaccount, we will ask for the legal business name, address, and Tax Identification Number (TIN). We will also ask for the your full legal name, address, date of birth, Tax Identification Number (TIN), employer, occupation, and TIN for each authorized signercountry of citizenship. We will may require two one or more forms of identification for the business entity and two or more forms of identification, one of which must be an unexpired photo identification for each authorized signeridentification. We may validate the information you provide to us to ensure we have a reasonable assurance of your identity. We may contact you for additional information. When If your account is funded before we verify your information, you may not have access to your funds. If we are not able to verify your identity to our satisfaction, we will not open your Account account, or we may close the account if this determination it was previously funded. Community Bank’s Privacy Policy Our privacy policy for our customers is made at described and viewable on our website, xxx.xxxxxxxxxxxxxxxx.xxx. The privacy policy describes our policy on handling customer information and describes the time that situations when we may disclose information, including some examples. In order to provide you with bank accounts and other products and services, we need to collect, use, share, and store personal information about you and your transactions. Your information includes information which we: • obtain from you or from 3rd parties, such as employers, credit reference agencies, fraud prevention agencies, or other organizations when you apply for an account with us or for any of our other products or services, or which you or they give to us at any other time; or • learn from the account; way in which your accounts with us are administered and managed, from the transactions made such as the date, amount, currency, and the name and type of supplier (for example, retail services) and from the payments which are made to and from your accounts with us. Where you have provided personal and financial information about others (such as dependents, other family members, and a joint account holder) you confirm you have their consent or are otherwise entitled to provide this information to us and for it to be used in accordance with this Agreement and /or other agreements we provide to you that govern the terms of those services, such as the separate agreements we have for ATM and debit cards and Online and Mobile Banking services. We and other entities associated with Community Bank will use your information (if required) to process and store your application, manage your accounts, give you statements, and provide our products and services, to make credit decisions about you (and anyone to whom you are financially linked) for assessment and analysis (including credit and / or behavior scoring, market, and product analysis), to prevent and detect fraud, money laundering and other crime, to carry out regulatory checks, to meet our obligations to any relevant regulatory authority, to develop and improve our services to you, to recover debts and to protect our interests. Your information may be transferred to one of our processing centers or to a service provider or agent in another country for the Account has already been opened and/or fundedpurposes as stated above (i.e. collect, we use, share, or store personal information). We will restrict access make sure our processing centers, service providers or agents agree to your Account and any funds on deposit until such time that we can close apply the Account. If the Account owner is a corporation, unincorporated association, limited liability company, limited liability partnership, fiduciary, partnership, sole proprietorship or other entity holding an Account in any capacity other than an individual capacity, each person signing the signature card or completing other account opening requirements represents and agrees that they: are fully authorized to execute all documents or otherwise complete our requirements in their stated capacity; have furnished all documents or other information necessary to demonstrate that authority; and will furnish other documents and complete other requirements same levels of protection as we may request from time to time. We may refuse to recognize any resolution affecting the Account that is not on our form or that appears to us to be incomplete or improperly executed. We may make any inquiries that we consider appropriate to help us verify your identity and determine if we should openare required to, maintain, collect or close your Account. When you open an Account, we may rely on information you give us and we maintain as stated in our records. We determine the type and ownership of the Account from this information. When you ask us to make a change to this information or your Account, and we agree to the change, the change is not effective until we have had a reasonable time to act on the new information. As an example, if you ask us to change the signers on your Account, your requested change is not effective until we have a reasonable time to act on it. If we ask you to give us additional documents or information, and you do not do so promptly, we may close your AccountPrivacy Policy.