Common Contracts

Depository Agreement and Disclosures

Delaware • February 3rd, 2014

• Jurisdiction
  Delaware
• Filed
  February 3rd, 2014

General Account Terms and Conditions 3 Membership Requirements 3 Governing Law 3 Pledge/Statutory Lien 3 Legal Proceedings 3 Attorney Fees and Expenses 3 Changes to Agreement 3 Fees 3 Inactive Accounts 4 Termination of Account 4 Termination of Membership 4 Death of Account Owner 4 Severability 4 Information About You 4 Information You Provide 4 Credit Reports and Other Inquiries 4 Change of Address 4 Taxpayer Identification Numbers and Backup Withholding 4 Ownership of Accounts 4 Individual Accounts 4 Joint Accounts 4 a. Rights of Survivorship 4 b. Control of Joint Accounts 4 c. Joint Account Owner Liability 5 Minor Accounts 5 Trust Account Designations 5 Uniform Transfers/Gifts to Minors Account 5 Agency Designation on an Account 5 Business Accounts 5 Deposit Account Information 5 Share Insurance 5 Fees 5 Processing Transactions — Deposit and Cashed Items 5 Cashing Items or Accepting Items for Deposit 5 Endorsements