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Nothing in this document is intended to vary our duty to act in good faith and with ordinary care when required by law.As used in this document the words "we," "our," and "us" mean the financial institution and the words "you" and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.You authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect we may permit the payor bank to hold an item beyond the midnight deadline. We are not responsible for transactions by mail or outside depository until we actually record them.Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U. If you deliver a deposit to us and you will not be present when the deposit is counted, you must provide us an itemized list of the deposit (deposit slip).The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions.Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.

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