Common use of Deposit Account Agreement Clause in Contracts

Deposit Account Agreement. This Deposit Account Agreement (also known as Rules and Regulations; hereinafter referred to as “Agreement”) is the contract that governs your account. This Agreement supersedes any deposit account(s) Rules and Regulations you may have previously received. Please be sure to read it carefully and keep it in a safe place. If you have any questions regarding any of the information contained in this Agreement, please talk with your Account Officer. Your Account Officer will be happy to help. You can also call and/or write to us at one of the numbers and/or addresses listed under the “How To Contact Us” section. Whether you’re a personal or business customer with an IDB Bank Deposit Account, this is the basic Agreement between you and us. By signing a signature card or Application, or using any of our deposit account services, you and anyone else identified as an owner of the account further agree to the terms contained in this Agreement. You have identified for us the country (or countries) in which you are a resident for Know-Your-Customer (“KYC”) and tax purposes and have provided your taxpayer identification number. If you are an International Customer, your signatures (including on the IRS Forms W-8BEN or W-8BEN-E) certify to us that you are neither a citizen nor resident of the United States. If these certifications are false, you may be subject to civil and criminal penalties. If you have a product that is not a deposit account, this Agreement does not apply to that product. Also, other services, such as online banking (i.e., IDB PassportSM, IDB AccessSM), have additional agreements. If another more specific agreement and this one disagree, the more specific agreement will govern. If this Agreement conflicts with any statements made by one of our employees or our affiliates’ employees, this Agreement will control. This Agreement may be changed or terminated without notice if necessary to comply with any appropriate federal, state or other governing law or regulation. This Agreement also refers to and includes other disclosures we may provide to you, including: (1) product information; (2) rate information disclosures (if applicable); (3) banking services and fee disclosures; and (4) other disclosures, agreements, and amendments that we may provide to you. All may contain information on fees that apply to your accounts.

Deposit Account Agreement. This Deposit Account Agreement is part of your Smart Card Agreement. Firstcard, Inc. (also known as Rules and Regulations; hereinafter referred to as “Platform”) is providing this Consumer Interest Checking Deposit Account Agreement (this “Deposit Account Agreement”) to you on behalf of Regent Bank (“Bank”), a member of the Federal Deposit Insurance Corporation (“FDIC”). The Bank is the contract that governs your account. This Agreement supersedes any deposit account(s) Rules and Regulations you may have previously received. Please be sure to read it carefully and keep it in a safe place. If you have any questions regarding any provider of the information contained interest-bearing checking Deposit Account (the “Deposit Account”). As used in this Agreement the words “we”, “our”, and “us” refer to Bank, our successors, affiliates, assignees or Firstcard, Inc., and the words “you” and “your” refer to you, the individual, and the Deposit Account holder, who agrees to be bound by this Agreement, please talk as well as anyone else with your Account Officer. Your Account Officer will be happy the authority to help. You can also call and/or write to us at one of the numbers and/or addresses listed under the “How To Contact Us” section. Whether you’re a personal or business customer with an IDB Bank Deposit Accountdeposit, this is the basic Agreement between you and us. By signing a signature card or Applicationwithdraw, or using any of our deposit account services, you exercise control over the funds in the Deposit Account and anyone else identified that you authorize to use the Deposit Account. The Deposit Account is provided only in connection with the Cardmember Agreement and a Card Account (as an owner each are described in the above Cardmember Agreement). Access to your Deposit Account and the services under this Deposit Account Agreement are available only through Platform App and only as part of the account further agree to the terms contained in this Smart Card Agreement. You have identified may only use the Deposit Account for us personal, family or household purposes, and we may close the country Deposit Account if we determine the Deposit Account is being used for business purposes. In order to link a Linked External Account (or countriesas further described below) in which you are a resident for Know-Your-Customer (“KYC”) and tax purposes and have provided to your taxpayer identification number. If you are an International Customer, your signatures (including on the IRS Forms W-8BEN or W-8BEN-E) certify to us that you are neither a citizen nor resident of the United States. If these certifications are falseDeposit Account, you may be required to provide certain information about your Linked External Account to our service provider, Plaid, or its successor, and may be required to accept such service provider’s additional terms and conditions in order to use this feature. You may review Plaid’s Privacy Policy here xxxxx://xxxxx.xxx/legal/#consumers. Access to your Deposit Account and the services offered under this Agreement shall be accessed through the Platform App unless we notify you otherwise. YOU UNDERSTAND THAT BY OPENING A DEPOSIT ACCOUNT THROUGH THE PLATFORM APP, YOU AUTHORIZE BANK TO ACCEPT ALL INSTRUCTIONS PROVIDED TO BANK BY PLATFORM ON YOUR BEHALF. Truth In Savings Disclosures Initial Deposit and Balance There is no initial deposit or minimum balance required to open this Deposit Account. Interest Rate Standard rate of 1.24%. Premium users who pay a monthly fee of $3.99 will receive an interest rate of 4.16% Annual Percentage Yield (“APY”)* Standard APY rate of 1.25%. Premium users who pay a monthly fee of $3.99 will receive an APY rate of 4.25% *Users must have an SSN or ITIN to receive interest Fees optional monthly subscription fee of $3.99 to upgrade to Firstcard Plus. Transaction Limitations The transaction limitations for your Deposit Accounts are set forth in Sections C and D of this Deposit Account Agreement. Additional Fee Disclosure As noted above, you are not responsible for paying any fees to Bank for holding this Deposit Account. You may be responsible for paying fees to the Platform as provided in your agreement with Platform. You should refer to your agreement with Platform to understand how fees are charged. This is an interest-bearing Deposit Account. You may deposit any amount after you open the Deposit Account. The interest rate and APY are correct as of today’s date, but are subject to civil and criminal penalties. If you have a product that is not a deposit accountchange at any time in our discretion, this Agreement does not apply to that product. Also, other services, such as online banking (i.e., IDB PassportSM, IDB AccessSM), have additional agreements. If another more specific agreement and this one disagree, the more specific agreement will govern. If this Agreement conflicts with any statements made by one of our employees or our affiliates’ employees, this Agreement will control. This Agreement may be changed or terminated without notice if necessary to comply with any appropriate federal, state or other governing law or regulation. This Agreement also refers to and includes other disclosures we may provide to you, including: (1) product information; (2) rate information disclosures (if applicable); (3) banking services and fee disclosures; and (4) other disclosures, agreements, and amendments that we may provide to you. All may contain information on fees that apply to your accounts.further described in Section B.

Deposit Account Agreement. This Deposit Account Agreement (also known as Rules and Regulations; hereinafter referred to as “Agreement”) is the contract that governs your account. This Agreement supersedes any deposit account(s) Rules and Regulations you may have previously received. Please be sure to read it carefully and keep it in a safe place. If you have any questions anyquestions regarding any of anyof the information contained in this Agreement, please talk with talkwith your Account Officer. Your Account Officer will be happy to help. You can also call canalsocall and/or write to us at one of the numbers and/or addresses listed under the “How To Contact Us” section. Whether you’re a personal or business customer with an IDB Bank Deposit Account, this is the basic Agreement between you and us. By signing a signature card or Application, or using any of our deposit account services, you and anyone else identified as an owner anowner of the account further agree to the terms contained in this Agreement. You have identified for us the country (or country(or countries) in which you are a resident for Know-Your-Customer (“KYC”) and tax purposes and have provided your taxpayer identification number. If you are an International Customer, your signatures (including on the IRS Forms W-8BEN or W-8BEN-E) certify to us that you are neither a citizen nor resident of the United States. If these certifications are false, you may be maybe subject to civil and criminal andcriminal penalties. If you have a product that is not a deposit account, this Agreement does not apply to applyto that product. Also, other services, such as suchas online banking (i.e., IDB PassportSM, IDB AccessSM), have additional agreements. If another more specific agreement and this one disagree, the more specific agreement will govern. If this Agreement conflicts with any statements made by one of our employees or our affiliates’ employees, this Agreement will control. This Agreement may be changed or terminated without notice if necessary to comply with any appropriate federalfederal , state or other governing law or regulation. This Agreement also refers to and includes other disclosures we may provide to you, including: (1) product information; (2) rate information disclosures (if applicable); (3) banking services and fee disclosures; and (4) other disclosures, agreements, and amendments that we may provide to you. All may contain information on fees that apply to your accounts.