UPDATES, AMENDMENTS, TERMINATION, AND SURVIVAL. This Agreement is subject to updates, amendments, and replacements by us. When required by law, we will give you written notice and disclosure of the amended terms by writing, e-mail, or other method permitted by law or that you have agreed is acceptable. Updates or amendments may be delivered with the account statement you periodically receive. These updates or amendments may include changes to fee schedules, interest rates, and other amendments to other agreements affecting your account, such as a wire agreement. The amendment or update will usually be made effective upon reasonable notice and will typically have a listed effective date. The reasonableness of an amendment or update will vary and depend upon the change and surrounding circumstances. Some changes may be implemented quickly and prior to you receiving notice; for example, unauthorized or fraudulent use on the account may cause us to freeze the account. Continued use or maintenance of an account, an account-related service or a safe deposit box after the effective date of a change means that you agree to the change. Interest rate changes or rules will typically be provided in separate documents or fee schedules or a Truth-in-Savings disclosure. For accounts with more than one owner, notices, account statements, disclosures, and other communication will be sent to only one owner. Notice to any account holder constitutes notice to all other account holders. YOU PROMISE TO PROMPTLY NOTIFY THE BANK OF ANY CHANGE IN YOUR STREET OR MAILING ADDRESS OR TELEPHONE NUMBER (AND ANY CHANGE OF EMAIL ADDRESS THAT YOU HAVE PROVIDED IN CONNECTION WITH ANY ACCOUNT-RELATED SERVICE). We reserve the right to close your account at our sole discretion. IF YOUR ACCOUNT REACHES A ZERO BALANCE, YOUR ACCOUNT MAY BE CLOSED WITHOUT NOTICE. If we elect to close your account for other reasons, we may do so upon giving you reasonable notice (which varies according to the circumstances), and we may freeze, limit activity, or otherwise condition your use of the account after notice and prior to closure. If we suspect possible fraud or use of your account in connection with illegal activities, we may close it immediately and notify you afterward. Upon closure, unless you make other arrangements with us, we will send you the balance of the account via check to the last address the Bank has in its records for the account. (If the Bank retains an open account of yours, the Bank reserves the right to move the funds of the closed a...
