Common use of AGREEMENTS AND DISCLOSURES Clause in Contracts

AGREEMENTS AND DISCLOSURES. The Agreements and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements and Disclosures may be amended by Us from time to time in a manner as prescribed by law. ACCOUNT AGREEMENT (continued)

AGREEMENTS AND DISCLOSURES. The Agreements and Disclosures provided to You you at the time You you opened Your your Account and referred to throughout this Agreement Agreement, contain: (a) a • A list of fees and charges applicable to Your Account; (b) the your Account • The dividends and applicable Annual Percentage Yield (APY); (c) how • How dividends are credited or compounded; and (d) other compounded • Other pertinent information related to Your your Account. Your Agreements and Disclosures may be amended by Us from time to time in a manner as prescribed by law. ACCOUNT AGREEMENT (continued).

AGREEMENTS AND DISCLOSURES. The Agreements and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements and Disclosures may be amended by Us from time to time in a manner as prescribed by law. ACCOUNT AGREEMENT (continued);