Common use of Amendments and Termination Clause in Contracts

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either you or we may close your account at any time for any reasonRules governing in interest rates are provided separately. If we doFor other changes, we will mail give you a reasonable notice and a check for in writing or by any other method permitted by law. We may close this account if your membership within the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated tocredit union terminates, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be paiddishonored. When you close your account, you are responsible for leaving enough money in the account to cover any loss that occurs outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the check terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is returned notice to us for all of you. If we have notified you of a change in any reason (e.g.term of your account and you continue to have your account after the effective date of change, because it is counterfeityou have agreed to the new term(s). Our employees cannot promise In the event that checks drawn there is no owner who is a member with us on or issued by other institutionsan account, including cashier’s checks, will be paid. Stale Dated Checks You you agree that we may pay or reject close the account and issue a check which is presented to us for payment more than six months after its date the balance of the funds in the account (a “stale dated” check), even if the presentation occurs after the expiration as of a stop payment order. We normally do not examine the date on checks presented at our election to close the account) to any remaining nonmember account owner. Statement: You will receive a statement and you agree that only one statement is necessary for paymenta joint account. You agree that we your original check, when paid, becomes our property and may not be returned to you, but copies may be retained by us and made available upon your request. You agree that statements are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit made available to you on the first business day after date they are mailed to you. You also agree that checks or copies thereof are made available to you on the day we receive date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your depositresponsibility to examine your statements or the time limit for notifying us of any errors. At that time, you may withdraw your funds in cash, The statement will be considered correct for all purposes and we will use the funds to pay checks that you have written. Funds from electronic direct deposits not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be available responsible for any forged, altered, unauthorized or unsigned items drawn on the day your account if you fail to notify us written or orally. If you provide us with an oral notice we received the deposit. Electronic funds transfers withdrawn from another financial institution will require that you initiated through Cambridge Trust Company may not be available until provide written confirmation within 10 days of the fourth business oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day after limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the date we received themtime you regularly receive a statement. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day Direct Deposit: If we are open. Every day is required for any reason to reimburse the federal government for all or any portion of a business daybenefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except Saturdays, Sundays and as prohibited by law. We may also use any other legal holidays. Deposits made at ATMs after remedy to recover the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day amount of deposit will be considered the following business dayour liability.

Amendments and Termination. We may change our Personal these Rules and Business Banking Agreement and Disclosures Regulations and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) , whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. , We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from for electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. P.M. for all banking office branch locations, other than Xxxxxxx Square, Cambridge, MAXxxxxxx. • Xxxxxxx ATM 5:00 p.m. P.M. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either you or we may close your account at any time for any reasonRules governing in interest rates are provided separately. If we doFor other changes, we will mail give you a reasonable notice and a check for in writing or by any other method permitted by law. We may close this account if your membership within the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated tocredit union terminates, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be paiddishonored. When you close your account, you are responsible for leaving enough money in the account to cover any loss that occurs outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the check terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is returned notice to us for all of you. If we have notified you of a change in any reason (e.g.term of your account and you continue to have your account after the effective date of change, because it is counterfeityou have agreed to the new term(s). Our employees cannot promise In the event that checks drawn there is no owner who is a member with us on or issued by other institutionsan account, including cashier’s checks, will be paid. Stale Dated Checks You you agree that we may pay or reject close the account and issue a check which is presented to us for payment more than six months after its date the balance of the funds in the account (a “stale dated” check), even if the presentation occurs after the expiration as of a stop payment order. We normally do not examine the date on checks presented at our election to close the account) to any remaining nonmember account owner. Statement: You will receive a statement and you agree that only one statement is necessary for paymenta joint account. You agree that we your original check, when paid, becomes our property and may not be returned to you, but copies may be retained by us and made available upon your request. You agree that statements are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit made available to you on the first business day after date they are mailed to you. You also agree that checks or copies thereof are made available to you on the day we receive date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your depositresponsibility to examine your statements or the time limit for notifying us of any errors. At that time, you may withdraw your funds in cash, The statement will be considered correct for all purposes and we will use the funds to pay checks that you have written. Funds from electronic direct deposits not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be available responsible for any forged, altered, unauthorized or unsigned items drawn on the day your account if you fail to notify us written or orally. If you provide us with an oral notice we received the deposit. Electronic funds transfers withdrawn from another financial institution will require that you initiated through Cambridge Trust Company may not be available until provide written confirmation within 10 days of the fourth business day after oral notice. If you provide us with a written notice we must receive it no later than 60 days of the date mailing date. This 60­day limitation is without regard to whether we received themused ordinary care. Determining If you fail to receive a statement you agree to notify us within 14 days of the Day of Deposit The day of deposit is considered the day time you regularly receive a deposit is received by a teller on a business day statement. Direct Deposit: If we are open. Every day is required for any reason to reimburse the federal government for all or any portion of a business daybenefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except Saturdays, Sundays and as prohibited by law. We may also use any other legal holidays. Deposits made at ATMs after remedy to recover the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day amount of deposit will be considered the following business dayour liability.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either you or we may close your account at any time for any reasonRules governing changes in rates are provided separately. If we doFor other changes, we will mail give you a reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and a check for tender of the final account balance less any applicable feespersonally or by mail. Checks Bearing Notations Although we are not obligated toAt our option, we may pay or accept checks and other items bearing restrictions or notations (e.g., suspend your rights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. Notice from us to any one of you is notice to all of you. STATEMENTS – You must examine your statement of account with “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any formatreasonable promptness”. If you cash discover (or deposit an item reasonably should have discovered) any unauthorized signatures or write a check with such a notationalterations, you agree that it applies only must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the payee loss with us, or makerbear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we contributed to the loss). The notation will have no effect loss could be not only with respect to items on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if statement but other items with unauthorized signatures or alterations by the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentsame wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any item in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. ACCOUNT TRANSFER – This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS – If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time. RIGHT TO REPAYMENT OF INDEBTEDNESS – YOU EACH AGREE THAT WE MAY (WITHOUT PRIOR NOTICE AND WHEN PERMITTED BY LAW) CHARGE AGAINST AND DEDUCT FROM THIS ACCOUNT ANY DUE AND PAYABLE DEBT OWED TO US NOW OR IN THE FUTURE, BY ANY OF YOU HAVING THE RIGHT OF WITHDRAWAL, TO THE EXTENT OF SUCH PERSONS’ OR LEAGL ENTITY’S RIGHT TO WITHDRAW. IF THE DEBT ARISES FROM A NOTE, “ANY DUE AND PAYABLE DEBT” INCLUDES THE TOTAL AMOUNT OF WHICH WE ARE ENTITLED TO DEMAND PAYMENT UNDER THE TERMS OF THE NOTE AT THE TIME WE CHARGE THE ACCOUNT, INCLUDING ANY BALANCE THE DUE DATE FOR WHICH WE PROPERLY ACCELERATE UNDER THE NOTE. IN ADDITION TO THESE CONTRACT RIGHTS, WE MAY ALSO HAVE RIGHT UNDER A “STATUTORY LIEN”. A “LIEN” ON PROPERTY IS A CREDITOR’S RIGHT TO OBTAIN OWNERSHIP OF THE PROPERTY IN THE EVENT A DEBTOR DEFAULTS ON A DEBT. A “STATUTORY LIEN” IS ONE CREDATED BY FEDERAL OR STATE STATUTE. IF FEDERAL OR STATE LAW PROVIDES US WITH A STATURTORY LIEN, THEN WE ARE AUTHORIZED TO APPLY, WITHOUT PRIOR NOTICE, YOUR SHARES AND DIVIDENDS TO ANY DEBT YOU OWE US, IN ACCORD WITH THE STATUTORY LIEN. NEITHER OUR CONTRACT RIGHTS NOR RIGHTS UNDER A STATUTORY LIEN APPLY TO THIS ACCOUNT IF: (a) IT IS AN INDIVIDUAL RETIREMENT ACCOUNT OR OTHER TAX-DEFERRED RETIREMENT ACCOUNT, OR (b) THE DEBT IS CREATED BY A CONSUMER CREDIT TRANSACTION UNDER A CREDIT CARD PLAN (BUT THIS DOES NOT AFFECT OUR RIGHTS UNER ANY CONSENSUAL SECURITY INTEREST), (c) THE DEBTOR’S RIGHT OF WITHDRAWAL ARISES ONLY IN A REPRESENTATIVE CAPACITY, OR (d) THE DEBT IS CREATED BY A HOME EQUITY LOAN. WE WILL NOT BE LIABLE FOR THE DISHONOR OF ANY CHECK OR DRAFT WHEN THE DISHONOR OCCURS BECAUSE WE CHARGE AND DEDUCT AN AMOUNT YOU OWE US FROM YOUR ACCOUNT. YOU AGREE TO HOLD US HARMLESS FROM ANY CLAIM ARISING AS A RESULT OF OUR EXERCISE OF OUR RIGHT TO REPAYMENT. RESTRICTIVE LEGENDS – We are not required to identify stale dated honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of restrictive legends are “must be presented within 90 days” or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may “not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. valid for all banking office locations, other more than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day$1,000.00”.

Amendments and Termination. We may change our Personal any term of this agreement. Rules governing changes in interest rates are provided separately. For other changes, we will give you reasonable notice by emailing you at the last known email address we have on file for you or by any other method permitted by law. Email communications will be deemed to have been received by you when NASB sends it to you, whether or not you receive the email. Therefore, you must notify us in writing about any change in your e-mail address. You may do so online by e-mailing us while logged into your internet banking session or by writing to us at the address provided at the end of this agreement. We may also close this account at any time upon reasonable notice to you and Business Banking Agreement and Disclosures tender of the account balance personally or by mail. Notice from us to any one of you is notice to all of you. LIABILITY - You agree, for yourself, to the terms of this account and the Business Banking Fee Schedule schedule of charges. You authorize us to deduct these charges directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement. Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. This includes liability for our costs to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees. CUSTOMER ELIGIBILITY - Accounts are available to U.S. citizens and permanent residents of the 00 Xxxxxx Xxxxxx and the District of Columbia. We reserve the right to require a permanent U.S. address to open and maintain the Account. E-Accounts are only available to online customers who consent to receive all notices, disclosures and account statements through electronic means. If you withdraw your consent to accept notices, disclosures, or account statements electronically, you are no longer eligible for the account and the account will be closed upon reasonable notice to you. ESTABLISHMENT OF ACCOUNT - Your Account will be established upon our receiving your deposit of funds. Your initial deposit may be made by credit card or authorizing us to transfer funds electronically either through another account with NASB or through an automated clearing house ("ACH") entry from a transaction account designated by you at an external financial institution (the "External Account"). The External Account must be a U.S. transaction account. We may take additional steps to verify ownership of the External Account. Such steps may include, but are not limited to, challenge deposits, requesting a voided check, a cancelled check, or a copy of a recent account statement. We reserve the right to verify ownership of any new External Account, as specified above, before honoring any change request. Please see additional disclosures you receive with these Rules and Regulations for information about your Annual Percentage Yield (APY) and your Account. If a new service is added, your use of that service constitutes your acceptance of the Rules and Regulations in effect at the time. FEES AND CHARGES - Please see our fee schedule, which in addition to being provided to you at account opening is available on our web site at xxx.xxxx.xxx. NASB reserves the right to charge service and maintenance fees at any time. Either you or we may close If service and maintenance fees are applied to your account at any time for any reason. If we doaccount, we will mail notify you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any formatas required by law. If you cash or deposit an item or write a check with such a notationservice and maintenance charges apply to your Account, you agree that it applies only between you to pay such charges. These charges will be subtracted from your Account balance. You will be solely liable for overdrafts caused by these charges. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the payee account records. We make no representations as to the appropriateness or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the itemownership and beneficiary designations, except as they determine to whom we pay the account funds. Cashing Checks for Others You should not use your Individual Account - is an account in the name of one person. Joint Account - With Survivorship (And Not As Tenancy By The Entirety Or As Tenants In Common) - is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to cash checks for others who are not well known any previous pledge to youwhich we have agreed) will belong to the survivor(s). Although we may make funds provisionally available to If two or more of you and may take steps to determine whether a check will be paidsurvive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Each owner of a joint account constitutes each other owner of such account his agent to perform any act with reference to, concerning or affecting such account. All joint accounts are responsible for any loss that occurs if owned as Joint Account, with right of survivorship (and not as a Tenancy by the check is returned Entirety or as Tenants In Common), unless otherwise stated in our account records. Pay-On-Death Account (not subject to us for any reason (e.g.the Nonprobate Transfers Law of Missouri) - If two or more of you create such an account, because it is counterfeit)you own the account jointly with survivorship. Our employees Beneficiaries cannot promise that checks drawn on or issued by other institutionswithdraw unless: (1) all persons creating the account die, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.and

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.001,000,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 2 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 5 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. Except when prohibited by applicable law, we may alter the terms of this agreement or our by-laws. You will be notified of any changes in terms, rates, or fees as required by law. We reserve the right to waive any part of this agreement without affecting our right to future enforcement. You are responsible for notifying us of any changes to your address or name. We are required only to attempt communication with you at the most recent address provided to us by you. We may accept oral notice of a change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or to your address, however, we may close require other notice from you to us. Any written notice given to us by you is effective upon us receiving it. Any written notice given to you by us is effective when it is mailed to you at your statement mailing address using the U.S. Mail. Notice given to any account owner however is considered given to all account owners. We reserve the right to terminate your account at any time for without notice to you or we may require you to close your account and open a new account if there is a change in account ownership or signers, if a forgery or fraud is reported or committed against your account, if there is doubt as to the ownership of an account or funds in an account, if any reasonshare drafts are lost or stolen, if there is no overdraft protection plan in place and there are numerous returned unpaid items on an account, if misrepresentation or any other form of abuse of an account has occurred or to prevent a loss to the credit union. If we do, we will mail you We may require the consent of all owners when terminating a notice and a check multiple party account. We are not responsible for the final balance less payment of any applicable fees. Checks Bearing Notations Although we are not obligated toitem after your account is terminated, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and however you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to reimburse us for any reason (e.g.paid item, because it is counterfeit). Our employees cannot promise that checks drawn on loss, cost or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months expense after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentsuch termination. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered denied service or membership for any reason allowed by applicable law, to have been made on include causing a loss to the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MAcredit union. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business dayYou may terminate your credit union membership by giving us written notice.

Amendments and Termination. We may change any term of this Agreement. Rules governing changes in interest rates are provided in a separate disclosure. For other changes, we agree to provide you notice of any amendment (except an amendment benefitting you) at least thirty (30) calendar days, or a longer period if required by law, before that amendment becomes effective by mailing you notice of the amendment to the last address shown on our Personal and Business Banking Agreement and Disclosures and records, by delivering the Business Banking Fee Schedule at notice electronically if you have agreed to receive such notices electronically, by making the notice available with the periodic statement of your Account (as applicable), by posting notice of the amendment in our offices, or by posting notice of the amendment on XxxxxxxXxxx.xxx (or any timesubsequent official Bank website) or on the Bank's mobile banking platform (if applicable). Either You agree that it is your responsibility to review the website periodically for any amendments or a subsequent version. We may, but are not required to give you or notice if the amendment will be to your benefit. If there is more than one Account owner, we may send the notice of amendment to only one of you. By continuing to maintain your Account, conducting a transaction or obtaining services or products relating to this Agreement or your Account after the amendment becomes effective, you agree to the amendment or subsequent version of this Agreement. No amendment of this Agreement is enforceable against us unless it is signed by the Bank's general counsel. No practice or course of dealing in connection with the Account which is at variance with this Agreement shall constitute a waiver, modification, or amendment of this Agreement. We may also close your account this Account at any time for any reason. If we do, we will mail you a upon reasonable notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and tender the Account balance personally or by mail. We do not have to give you any notice before we close your Account. Items presented for payment after the Account is closed may take steps to determine whether a check will be paiddishonored. When you close your Account, you are responsible for leaving enough money in the Account to cover any loss outstanding items to be paid from the Account. Reasonable notice depends on the circumstances. In some cases, such as when we cannot verify your identity, we suspect fraud, we receive conflicting instructions from persons authorized to transact on the Account, or when we are otherwise compelled by law it might be reasonable for us to give you notice after your Account is closed or otherwise frozen. Termination of the Account, whether by us or by you, does not relieve you of any obligation you may then owe us. We may accept deposits to the Account after it has been closed in order to collect any deficit balance, and such acceptance will not constitute reinstatement of the Account. We may (but do not have to) mail you a check for the available balance in your Account, or you may pick up a check for the available balance at our office. Written notice that occurs the Account has been closed and a check, if any, may be sent to any address shown on our records for you, or if the check Account is returned a joint Account, to us for any reason (e.g.Account owner to whom we elect to send it. Once we have closed your Account, because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You you agree that we may pay can: • refuse to honor any checks you have written or reject a check any other items which is are presented to us for payment more than six months after its date (a “stale dated” check)we have closed your Account; • refuse to act as your agent to try to collect any check you have deposited in your Account or otherwise, even if the presentation occurs after the expiration of a stop payment orderhonor or pay any check you have deposited to your closed Account, or to accept any automated deposit to your Account; or • assess any service charge otherwise applicable against any remaining balance in your Account. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available responsible to you on the first business day after the day we receive your deposit. At that time, for any damages you may withdraw suffer as a result of your funds in cash, and we will use the funds to pay checks that you have writtenAccount being closed. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you attempt to make a deposit at any time on to an account we closed due to non-payment of an overdraft or otherwise, we may collect the deposit and setoff your indebtedness to us and collect a Saturday, Sunday or legal holiday, service charge from the day amount you deposited. Any funds in excess of deposit $1.00 will be considered returned to you. We reserve the following business dayright to refuse your request to close your Account, for various reasons, including, for example, if your Account is not in good standing. If you intend to close your Account, you should notify us. Simply reducing your Account balance to $0.00 is insufficient notice and may result in additional fees charged to your Account. If you close your Account, you are responsible for transactions you initiated or authorized, including those that we receive after the Account is closed.

Amendments and Termination. We This Agreement may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account be amended at any time by the Firm if the Firm gives you notice of the amendment, provided that the Firm will provide you with sixty (60) days’ prior notice for any reasonincreases to the fees set out in the Wealthsimple Trade Fee Schedule attached hereto. If we doThe first transaction in your Account following notification of an amendment to this Agreement will be deemed to be your acceptance of the amendment as of the effective date set out in the notice. For greater clarity, any future changes to the Wealthsimple Trade Fee Schedule will not affect the fees payable under your Wealthsimple Invest Account, such fees to be governed solely by the provisions of your Discretionary Management Agreement with WSI (if applicable). This Agreement will continue in force until terminated by you as acknowledged in writing by an officer of the Firm or until written notice of termination by the Firm has been transmitted to you. The Firm may, at its sole discretion, terminate your Account agreement(s) and require that you close or transfer your Account(s) to another broker within a limited time set by the Firm. In the event that you fail to do so, we will mail may, without further notice to you, deliver the assets to you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated toor liquidate your Account(s), we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on all outstanding payments owed to us, and you agree to accept responsibility for payment of Wealthsimple Affiliates and forward the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known net balance, if any, to you. Although we The liquidation of your Account(s) may make funds provisionally available to have significant financial consequences for you, including tax consequences, for which you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentsolely liable. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available liable to you on regarding the first business day after termination, closure, transfer or liquidation of your Account(s). In the day event that your Account remains inactive and has no assets or balances owing in the Account for a period of at least one year, we receive may close your depositAccount and terminate your Account agreement(s) with us, without prior notice to you. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks You agree that you have writtenwill not assign this Agreement or the Account. Funds from electronic direct deposits We may assign the agreement or Account to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day party, including a company associated or affiliated with us, after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered notice to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business dayyou.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or we by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and tender the account at any time for any reasonbalance personally or by mail. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated toAt our option, we may pay or accept checks and other items bearing restrictions or notations (e.g., suspend your rights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. Notice from us to any one of you is notice to all of you. STATEMENTS – You must examine your statement of account with “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any formatreasonable promptness”. If you cash discover (or deposit an item reasonably should have discovered) any unauthorized signatures or write a check with such a notationalterations, you agree that it applies only must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the payee loss with us, or makerbear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The notation will have no effect loss could be not only with respect to items on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if statement but other items with unauthorized signatures or alterations by the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentsame wrongdoer. You agree that we are not required the time you have to identify stale dated checks or examine your statement and report to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first business day after sent or mailed to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors in your account within 60 days of when we first send or make the day we receive your deposit. At that timestatement available, you may withdraw your funds cannot assert a claim against us on any items in cashthat statement, and we will use as between you and us the funds to pay checks that you have written. Funds from electronic direct deposits to your account loss will be available on entirely yours. This 60 day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the day we received the depositfirst paragraph of this section. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company ACCOUNT TRANSFER – This account may not be available until transferred or assigned without our prior written consent. DIRECT DEPOSITS – if, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the fourth business day after Federal Government for any reason, you authorize us to deduct the date we received themamount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. Determining We may also use any other legal remedy to recover the Day amount of Deposit The day of deposit our liability. TEMPORARY ACCOUNT AGREEMENT – If this option is considered the day a deposit is received by a teller on a business day we are open. Every day selected, this is a business day, except Saturdays, Sundays and legal holidaystemporary account agreement. Deposits made at ATMs after Each person who signs in the specified time at the following locations may be considered to have been made space designated for signatures on the next signature card (except as indicated to the contrary) may transact business day that on this account. However, we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If may at some time in the future restrict or prohibit further use of this account if you make fail to comply with the requirements we have imposed within a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business dayreasonable time.

Amendments and Termination. We may change our Personal these Rules and Business Banking Agreement and Disclosures Regulations and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) , whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. , We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from for electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth fifth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. P.M. for all banking office branch locations, other than Xxxxxxx Square, Cambridge, MAXxxxxxx. • Xxxxxxx ATM 5:00 p.m. P.M. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may can change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule these terms at any time. Either If we are required to notify you of a change in terms, we will provide such notice of change in terms by posting notice at an FCB branch, by mailing notice to you at the address shown on our records, providing notice on any periodic statements, manuals, or guides whether in print or electronic, by posting the updated disclosure on FCB’s website, or by any other appropriate means allowed by Applicable Law. If we may notify you of a change in any term of your Account and you do not close your account Account when the change becomes effective, you have agreed to the new terms. We may also close your Account at any time for any reason. If we do, we will mail you a upon reasonable notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and tender of the Account balance personally or by mail. Items presented for payment after the Account is closed may take steps be dishonored. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to determine whether a check will be paidgive you notice after the change or Account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your Account, we might immediately freeze or close your Account and then give you notice. When you close your Account, you are responsible for leaving enough money in the Account to cover any loss that occurs if outstanding Items to be paid from the check Account. If your Account balance is returned to us for any reason (e.g.$5.00 or less, because it is counterfeit). Our employees canwe will not promise that checks drawn on or issued by other institutions, including mail you a cashier’s checkscheck for the balance, will but you may transfer the monies to another FCB Account, wire the monies out, write a personal check or make a withdrawal. WAIVER - No term of this Agreement shall be paiddeemed waived unless the waiver shall be in writing and signed by an authorized officer of FCB. Stale Dated Checks You agree that we may pay Any failure by FCB to insist upon your strict performance of any of the terms of this Agreement shall not be deemed or reject construed as a check which is presented to us for payment more than six months after its date (a “stale dated” check)waiver of these or any other terms. FCB shall not, even if the presentation occurs after the expiration by mere lapse of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered deemed to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If waived any breach by you make a deposit at of any time on a Saturday, Sunday terms or legal holiday, the day provisions of deposit will be considered the following business daythis Agreement.

Amendments and Termination. We may change any term of this Agreement. Rules governing changes in interest rates are provided in a separate disclosure. For other changes, we agree to provide you notice of any amendment (except an amendment benefitting you) at least thirty (30) calendar days, or a longer period if required by law, before that amendment becomes effective by mailing you notice of the amendment to the last address shown on our Personal and Business Banking Agreement and Disclosures and records, by delivering the Business Banking Fee Schedule at notice electronically if you have agreed to receive such notices electronically, by making the notice available with the periodic statement of your Account (as applicable), by posting notice of the amendment in our offices, or by posting notice of the amendment on xxx.xxxxxxxxxxxx.xxx (or any timesubsequent official Bank website) or on the Bank's mobile banking platform (if applicable). Either You agree that it is your responsibility to review the website periodically for any amendments or a subsequent version. We may, but are not required to give you or notice if the amendment will be to your benefit. If there is more than one Account owner, we may send the notice of amendment to only one of you. By continuing to maintain your Account, conducting a transaction or obtaining services or products relating to this Agreement or your Account after the amendment becomes effective, you agree to the amendment or subsequent version of this Agreement. No amendment of this Agreement is enforceable against us unless it is signed by the Bank's general counsel. No practice or course of dealing in connection with the Account which is at variance with this Agreement shall constitute a waiver, modification, or amendment of this Agreement. We may also close your account this Account at any time for any reason. If we do, we will mail you a upon reasonable notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and tender the Account balance personally or by mail. We do not have to give you any notice before we close your Account. Items presented for payment after the Account is closed may take steps to determine whether a check will be paiddishonored. When you close your Account, you are responsible for leaving enough money in the Account to cover any loss outstanding items to be paid from the Account. Reasonable notice depends on the circumstances. In some cases, such as when we cannot verify your identity, we suspect fraud, we receive conflicting instructions from persons authorized to transact on the Account, or when we are otherwise compelled by law it might be reasonable for us to give you notice after your Account is closed or otherwise frozen. Termination of the Account, whether by us or by you, does not relieve you of any obligation you may then owe us. We may accept deposits to the Account after it has been closed in order to collect any deficit balance, and such acceptance will not constitute reinstatement of the Account. We may (but do not have to) mail you a check for the available balance in your Account, or you may pick up a check for the available balance at our office. Written notice that occurs the Account has been closed and a check, if any, may be sent to any address shown on our records for you, or if the check Account is returned a joint Account, to us for any reason (e.g.Account owner to whom we elect to send it. Once we have closed your Account, because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You you agree that we may pay can: • refuse to honor any checks you have written or reject a check any other items which is are presented to us for payment more than six months after its date (a “stale dated” check)we have closed your Account; • refuse to act as your agent to try to collect any check you have deposited in your Account or otherwise, even if the presentation occurs after the expiration of a stop payment orderhonor or pay any check you have deposited to your closed Account, or to accept any automated deposit to your Account; or • assess any service charge otherwise applicable against any remaining balance in your Account. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available responsible to you on the first business day after the day we receive your deposit. At that time, for any damages you may withdraw suffer as a result of your funds in cash, and we will use the funds to pay checks that you have writtenAccount being closed. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you attempt to make a deposit at any time on to an account we closed due to non-payment of an overdraft or otherwise, we may collect the deposit and setoff your indebtedness to us and collect a Saturday, Sunday or legal holiday, service charge from the day amount you deposited. Any funds in excess of deposit $1.00 will be considered returned to you. We reserve the following business dayright to refuse your request to close your Account, for various reasons, including, for example, if your Account is not in good standing. If you intend to close your Account, you should notify us. Simply reducing your Account balance to $0.00 is insufficient notice and may result in additional fees charged to your Account. If you close your Account, you are responsible for transactions you initiated or authorized, including those that we receive after the Account is closed.

Amendments and Termination. We may change our Personal these Rules and Business Banking Agreement and Disclosures Regulations and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. 50 BUSINESS BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 51 Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We This Agreement may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account be amended at any time by the Firm if the Firm gives you notice of the amendment, provided that the Firm will provide you with sixty (60) days’ prior notice for any reasonincreases to the fees set out in the WSII Fee Schedule. If we doThe first transaction in your Account following notification of an amendment to this Agreement will be deemed to be your acceptance of the amendment as of the effective date set out in the notice. For greater clarity, any future changes to the WSII Fee Schedule will not affect the fees payable for your ManagedAccount, such fees to be governed solely by the provisions of your Discretionary Management Agreement with WSI (if applicable). This Agreement will continue in force until terminated by you as acknowledged in writing by an officer of the Firm or until written notice of termination by the Firm has been transmitted to you. The Firm may, at its sole discretion, terminate your Account agreement(s) and require that you close or transfer your Account(s) to another broker within a limited time set by the Firm. In the event that you fail to do so, we will mail may, without further notice to you, deliver the assets to you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated toor liquidate your Account(s), we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on all outstanding payments owed to us, and you agree to accept responsibility for payment of Wealthsimple Affiliates and forward the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known net balance, if any, to you. Although we The liquidation of your Account(s) may make funds provisionally available to have significant financial consequences for you, including tax consequences, for which you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentsolely liable. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available liable to you on regarding the first business day after termination, closure, transfer or liquidation of your Account(s). In the day event that your Account remains inactive and has no assets or balances owing in the Account for a period of at least one year, we receive may close your depositAccount and terminate your Account agreement(s) with us, without prior notice to you. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks You agree that you have writtenwill not assign this Agreement or the Account. Funds from electronic direct deposits We may assign the agreement or Account to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day party, including a company associated or affiliated with us, after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered notice to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business dayyou.

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any timeterm of this agreement. Either Rules governing changes in interest rates have been provided separately. For other changes we will give you reasonable notice in writing or we by any other method permitted by law. We may also close your this account at any time upon reasonable notice to you and tender of the account balance personally or by mail. Notice from us to any one of you is notice to all of you. STATEMENTS - You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized payments or alterations, you must promptly notify us of the relevant facts. If you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we exercised ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items forged or altered by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but that such time will not, in any circumstance, exceed a total of 30 days from when the statement is first made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries or any other errors in your account within 60 days of when we make the statement available, you cannot assert a claim against us on any items in that statement, and the loss will be entirely yours. This 60 day limitation is without regard to whether we exercised ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the Federal Government for any reason. If we do, we will mail you a authorize us to deduct the amount of our liability to the Federal Government from this account or from any other account you have with us, without prior notice and a check for at any time, except as prohibited by law. We may also use any other legal remedy to recover the final balance less any applicable feesamount of our liability. Checks Bearing Notations Although we are not obligated toTEMPORARY ACCOUNT AGREEMENT - If this option is selected, we may pay restrict or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and prohibit further use of this account if you fail to comply with the like) whether on the front or back, in any formatrequirements we have imposed within a reasonable time. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others SET-OFF - You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You each agree that we may pay or reject a check which is presented (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal, to the extent of such persons’ or legal entity’s right to withdraw. If the debt arises from a note, “any due and payable debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for payment more than six months after its date which we properly accelerate under the note. This right of set-off does not apply to this account if: (a) it is an Individual Retirement Account or other tax-deferred retirement account, or (b) the debt is created by a “stale dated” check)consumer credit transaction under a credit card plan, even if or (c) the presentation occurs after the expiration debtor’s right of withdrawal arises only in a stop payment orderrepresentative capacity. We normally do will not examine be liable for the date on checks presented for paymentdishonor of any check when the dishonor occurs because we set off a debt against this account. You agree that we to hold us harmless from any claim arising as a result of our exercise of our right of set-off. AUTHORIZED SIGNER (Individual Accounts Only) - An authorized signer is someone you designate to conduct transactions on your behalf, but does not have any ownership or rights at death unless named as a Revocable Trust beneficiary. The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 66; Decedents. Estates and Fiduciaries Code). RESTRICTIVE LEGENDS - We are not required to identify stale honor any restrictive legend on checks you write unless we have agreed to the restriction in a writing signed by one of our officers. Examples of restrictive legends are “must be presented within 90 days” or “not valid for more than $1,000.” ASSIGNMENT OF DEPOSIT ACCOUNT Principal $235,413.01 Loan Date 12-27-2007 Maturity Loan No 00000000 Call / Coll 0500 Account 00000000 Officer JW Initials References in the boxes above are for Lender’s use only and do not limit the applicability of this document to any particular loan or item. Any item above containing “***” has been omitted due to text length limitations. Grantor: Eastern Industries, Inc. 0000 Xxxx Xxxxxxx Xxxx, Xxxxx 000 Xxxxxx Xxxxxx, XX 00000 Lender: Team Capital Bank Bethlehem Office (000)000-0000 0000 Xxxxxx Xxxxxxxxx Bethlehem, PA 18020 THIS ASSIGNMENT OF DEPOSIT ACCOUNT dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy December 27, 2007, is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that timemade and executed between Eastern Industries, you may withdraw your funds in cash, Inc. (“Grantor”) and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business dayTeam Capital Bank (“Lender”).

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and any term of this agreement. Rules governing changes in interest rates are provided separately in the Business Banking Fee Schedule at any timeTruth‐in‐Savings disclosure or in another document. Either you or we may close your account at any time for any reason. If we doFor other changes, we will mail give you a reasonable notice and a check for in writing or by any other method permitted by law. We may also close this account if your membership in the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated tocredit union terminates, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be paiddishonored. When you close your account, you are responsible for leaving enough money in the account to cover any loss that occurs if outstanding items to be paid from the check account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity, or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. Notice from us to any one of you is returned notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s). We reserve the right to expel any member for non‐participation in the affairs of the credit union. “Non‐participation” is defined as a member’s failure to vote in the elections and failure to maintain any contact or conduct any business with us for a period of twelve (12) months. STATEMENTS Your Duty to Report Errors. You must examine your statement of account with "reasonable promptness." If you discover (or reasonably should have discovered) any reason unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us or bear the loss entirely yourself (e.g.depending on whether we used ordinary care and, because it is counterfeitif not, whether we substantially contributed to the loss). Our employees canThe loss could be not promise that checks drawn only with respect to items on the statement but other items with unauthorized signatures or issued alterations by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentsame wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 60 days from when the statement is first sent or made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60‐day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. In addition to your duty to review your statements for unauthorized signatures, alterations, and forgeries, you agree to examine your statement with reasonable promptness for any other error ‐ such as an encoding error. DIRECT DEPOSITS. If we are not required for any reason to identify stale dated checks reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to seek your permission deduct the amount of our liability to pay themthe U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. FUNDS AVAILABILITY DISCLOSURE Determining We may also use any other legal remedy to recover the Availability amount of Deposits Our policy our liability. TEMPORARY ACCOUNT AGREEMENT. If this option is selected, this is a temporary account agreement. Each person who signs to open the account or has authority to make funds from your deposit available withdrawals (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future, restrict or prohibit further use of this account if you on fail to comply with the first business day after the day requirements we receive your deposit. At that have imposed within a reasonable time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.001,000,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. XxxxxxxxxXxxxx.xxx/XxxxxxxXxxxxxxxxXxxx 000-000-0000 59 Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 2 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 5 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal bylaws and Business Banking Agreement and Disclosures and any term of this agreement. Rules governing changes in interest rates are provided separately in the Business Banking Fee Schedule at any timeTruth‐in‐Savings disclosure or in another document. Either you or we may close your account at any time for any reason. If we doFor other changes, we will mail give you a reasonable notice and a check for in writing or by any other method permitted by law. We may also close this account if your membership in the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated tocredit union terminates, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be paiddishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity, or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s). We reserve the right to expel any member for non‐participation in the affairs of the credit union. “Non‐participation” is defined as a member’s failure to vote in the elections and failure to maintain any contact or conduct any business with us for a period of twelve (12) months. STATEMENTS Your Duty to Report Errors. You must examine your statement of account with "reasonable promptness." If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss that occurs with us or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the check is returned loss). The loss could be not only with respect to us items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. DIRECT DEPOSITS. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT. If this option is selected, this is a temporary account agreement. Each person who signs to open the account or has authority to make withdrawals (e.g.except as indicated to the contrary) may transact business on this account. However, because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay at some time in the future, restrict or reject prohibit further use of this account if you fail to comply with the requirements we have imposed within a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. At that reasonable time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We may change our Personal and Business Banking Agreement and Disclosures and the Business Personal Banking Fee Schedule at any time. If a change restricts, limits, or reduces your rights, we will give you at least 30 days’ advance notice. Either you or we may close your account at any time for any reason. If we do, we will mail you a notice and a check for the final balance less any applicable fees. This Agreement will terminate automatically whenever your account is closed. Checks Bearing Notations Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.001,000,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for payment. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits This disclosure describes when funds you deposit will be available for withdrawal. DETERMINING THE AVAILABILITY OF DEPOSITS Our policy is to make funds from your deposit of cash, checks, or wire transfers available to you on no later than the first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks that you have written. Funds from electronic direct deposits to your account will be available on the day we received receive the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth fifth business day after the date we received receive them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business day.

Amendments and Termination. We This Agreement may change our Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any time. Either you or we may close your account be amended at any time by the Firm if the Firm gives you notice of the amendment, provided that the Firm will provide you with sixty (60) days' prior notice for any reasonincreases to the fees set out in the Wealthsimple Trade Fee Schedule attached hereto. If we doThe first transaction in your Account following notification of an amendment to this Agreement will be deemed to be your acceptance of the amendment as of the effective date set out in the notice. For greater clarity, any future changes to the Wealthsimple Trade Fee Schedule will not affect the fees payable under your Wealthsimple Invest Account, such fees to be governed solely by the provisions of your Discretionary Management Agreement with WSI (if applicable). This Agreement will continue in force until terminated by you as acknowledged in writing by an officer of the Firm or until written notice of termination by the Firm has been transmitted to you. The Firm may, at its sole discretion, terminate your Account agreement(s) and require that you close or transfer your Account(s) to another broker within a limited time set by the Firm. In the event that you fail to do so, we will mail may, without further notice to you, deliver the assets to you a notice and a check for the final balance less any applicable fees. Checks Bearing Notations Although we are not obligated toor liquidate your Account(s), we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in Full,” and the like) whether on the front or back, in any format. If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on all outstanding payments owed to us, and you agree to accept responsibility for payment of Wealthsimple Affiliates and forward the item. Cashing Checks for Others You should not use your account to cash checks for others who are not well known net balance, if any, to you. Although we The liquidation of your Account(s) may make funds provisionally available to have significant financial consequences for you, including tax consequences, for which you and may take steps to determine whether a check will be paid, you are responsible for any loss that occurs if the check is returned to us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. Stale Dated Checks You agree that we may pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the presentation occurs after the expiration of a stop payment order. We normally do not examine the date on checks presented for paymentsolely liable. You agree that we are not required to identify stale dated checks or to seek your permission to pay them. FUNDS AVAILABILITY DISCLOSURE Determining the Availability of Deposits Our policy is to make funds from your deposit available liable to you on regarding the first business day after termination, closure, transfer or liquidation of your Account(s). In the day event that your Account remains inactive and has no assets or balances owing in the Account for a period of at least one year, we receive may close your depositAccount and terminate your Account agreement(s) with us, without prior notice to you. At that time, you may withdraw your funds in cash, and we will use the funds to pay checks You agree that you have writtenwill not assign this Agreement or the Account. Funds from electronic direct deposits We may assign the agreement or Account to your account will be available on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day party, including a company associated or affiliated with us, after the date we received them. Determining the Day of Deposit The day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered notice to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than Xxxxxxx Square, Cambridge, MA. • Xxxxxxx ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered the following business dayyou.