STRONGER . TOGETHER · 12 13 DATE TIME (CST) EVENT FRIDAY, NOVEMBER 30, 2018 Bill Pay and Online Banking registration deactivated. WEDNESDAY, DECEMBER 5, 2018 Scheduled recurring

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WWW.VANTAGE.BANK

BEGINNING MONDAY, DECEMBER 10, 2018

NOW through FRIDAY, DECEMBER 7, 2018

WELCOME TO THE NEWDear Customers,

On behalf of our owners, the Collins Family Trusts, and the nearly 500 employees of Vantage Bank Texas and Inter National Bank, we are pleased to announce that our banks have merged.

There are many reasons why we pursued this merger, most of which surround the fact that as one bank we are confident we will provide a better banking experience for you. This wil l be achieved through the expansion of products and services to San Antonio, South and Central Texas, El Paso and to our international customers. Also, by merging, the bank’s legal lending limit has grown, allowing us to better serve the needs of our business communities.

Over the next few weeks we will be working to seamlessly consolidate the operations of the banks. Between now and December 10, 2018, Inter National Bank and Vantage Bank Texas will continue to operate as two separate banks; however, effective December 10, the two institutions will be fully integrated. Inter National Bank branches will be rebranded, and our combined institution will be named Vantage Bank Texas. Deciding which name to adopt was not easy, but we believe that Vantage Bank Texas best l inks our current strategy of becoming the financial institution of choice in South and Central Texas, and our continued long-term strategy of expanding to other major markets in the state. The change in no way diminishes our commitment to the international community we serve. In fact, the merger wil l afford us the opportunity to bring international products and services to clients who live and work outside of our border communities.

To assist you during this transition, we have prepared this Welcome Kit. We have also included information regarding your FDIC insurance coverage and an updated Privacy Policy for the combined bank.

You are the focal point of this merger. Please contact your banker if you have further questions regarding the merger, or email us directly at [email protected] to let us know immediately ifthere is anything we need to do to improve the merger experience for you. Above all else, thank you for being a customer of Vantage Bank Texas.

Sincerely,

Samuel J. Munafo Guy BodinePresident and CEO Chairman, CEO and PresidentInter National Bank Vantage Bank Texas

WELCOME MESSAGE FROM THE CEOs

We are pleased to have you as our customer through this exciting transition.

In the next few weeks you will experience changes due to the consolidation of the bank’s operations with Inter National Bank. To help you make your transition into the new system as smooth and seamless as possible, we are providing this Welcome Kit as an overview of what to expect during the coming weeks. This guide will provide you with important dates, information regarding access to our services, as well as other important disclosures. Please review this information carefully.

Should you have any questions, please stop by any of our banking centers to speak to one of our banking representatives, or contact Customer Service.

Customer Service: 866-580-7262

Monday–Friday 8:00 am–6:00 pm CST

24-hour Telephone Banking: 888-294-6174

Email us: [email protected]

www.vantagebank.com

Customer Service: 866-580-7262

Monday–Friday 8:00 am–6:00 pm CST

Saturday 9:00 am–1:30 pm CST

24-hour Telephone Banking, or to activate a new card or to report a card lost or stolen: 866-580-7262

Email us: [email protected]

www.vantage.bank

VANTAGE BANK TEXAS | 2018

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OUR NEW LOOK 6

BANKING CENTERS 8

BANK LOCATIONS MAP 11

IMPORTANT DATES— MARK YOUR CALENDAR 12

IMPORTANT INFORMATION 14

ALL CUSTOMERS 15

PERSONAL CUSTOMERS 18

BUSINESS CUSTOMERS 19

DEPOSIT ACCOUNTS 20

BANKING OUTSIDE THE BRANCH 22

ADDITIONAL NOTICES 24

YOUR FDIC INSURANCE COVERAGE 25

BANKING SERVICE FEES 26

PRIVACY NOTICE 27

TERMS AND CONDITIONS OF YOUR ACCOUNT 30

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OUR NEW LOOKEffective December 10, 2018, when Vantage Bank

Texas is fully integrated with Inter National Bank,

you will notice the same Vantage name across all

distribution channels and customer touch points, but

with a new look.

Products and services such as deposit and loan

products, online banking and mobile banking wil l

be refreshed.

We hope you like it.

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CORPORATE OFFICE

45 NE Loop 410, Suite 500San Antonio, TX 78216Phone: (210) 408-5700

ALL HOURS EFFECTIVEDECEMBER 10, 2018

EL PASOEl Paso Downtown 175 E. Arizona St. El Paso, Texas 79902Phone: (915) 594-3400LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

El Paso East 2828 North Lee Trevino, Suite C El Paso, Texas 79936Phone: (915) 594-3435LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm

El Paso West 125 Shadow Mountain Dr. El Paso, Texas 79912Phone: (915) 594-3425LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pmDRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

HONDOHondo1401 19th St.Hondo, TX 78861Phone: (830) 426-3041LOBBY HOURS Mon.– Thurs. 9 am–5 pm Fri. 9 am – 6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

LAREDOWest Village216 W Village Blvd, #101Laredo, TX 78041.Phone: (956) 242-0915LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

I-35I-35 4819 San Dario Ave. Laredo, Texas 78041Phone: (956) 721-7150LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pmSat. 9 am–1 pm

McPherson7219 McPherson Rd. Laredo, Texas 78041Phone: (956) 721-7100LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

REFUGIO111 East Plasuela St.Refugio, TX 78377Phone: (361) 526-2361LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

SAN ANTONIOCentre Plaza45 NE Loop 410, Suite 190San Antonio, TX 78216Phone: (210) 408-5700LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

Stone Oak18730 Tuscany Stone #2102San Antonio, TX 78258Phone: (210) 408-5700LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

RIO GRANDE VALLEYBrownsville1785 E Ruben M Torres Sr Blvd. Brownsville, Texas 78521.Phone: (956) 574-8500LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

Edinburg1502 South Sugar Rd. Edinburg, Texas 78539Phone: (956) 387-0200LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

MCALLENMcAllen Main 1801 S. 2nd St. McAllen, Texas 78503Phone: (956) 664-8400

LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

McAllen North 10th St.901 S. 10th St., Bldg. No. 400McAllen, TX 78501Phone: (956) 467-0321LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

McAllen South 10th St. 1700 S 10th St. McAllen, Texas 78501Phone: (956) 631-2678

LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm Sun. 12 pm–4 pmDRIVE-UP HOURS Mon.–Fri. 9 am–6 pm Sat. 9 am–1 pm Sun. 12 pm–4 pm

McAllen 23rd St 1705 N. 23rd St. McAllen, Texas 78503Phone: (956) 682-4374LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm

McAllen McColl Rd 1524 N. McColl Rd. McAllen, Texas 78501Phone: (956) 631-6094LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

McAllen Nolana Rd 730 Nolana Ave. McAllen, Texas 78504Phone: (956) 682-3243LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

McAllen Trenton Rd. 2228 Trenton Rd., Suite 100 McAllen, Texas 78504Phone: (956) 683-8032LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURS

Mon.–Fri. 9 am–6 pm

MISSIONMission713 E. Tom Landry St. Mission, Texas 78572Phone: (956) 581-2107LOBBY HOURSMon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

Sharyland Express2401 E. Expy 83, Suite I00 Mission, Texas 78572Phone: (956) 519-8157LOBBY HOURSMon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm

DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

Sharyland Plantation3605 Plantation Grove Blvd. Mission, Texas 78572Phone: (956) 583-8345LOBBY HOURSMon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

Sharyland 1926 E. Griffin Pkwy. Mission, Texas 78572Phone: (956) 581-1397LOBBY HOURSMon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

PHARRI Rd. Express 1200 E. Expressway 83 Pharr, Texas 78577Phone: (956) 283-0437LOBBY HOURSMon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

WESLACOWeslaco Branch400 N. Texas Blvd. Weslaco, Texas 78596Phone: (956) 968-1511LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pmSat. 9 am–1 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pmSat. 9 am–1 pm

Weslaco South Motor Bank 501 S. Kansas Ave. Weslaco, Texas 78596Phone: (956) 968-1511LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

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VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

To learn more about our business hours business, visit pages 8-9.

Corporate Office

Banking Centers

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DATE TIME(CST)

EVENT

FRIDAY, NOVEMBER 30, 2018 Bill Pay and Online Banking registration deactivated.

WEDNESDAY, DECEMBER 5, 2018 Scheduled recurring transfers deactivated.

THURSDAY, DECEMBER 6, 2018 3 pm Bill Pay through Online Banking deactivated.

6 pm Mobile App deactivated. Please delete the app at that time.

End of Day

You should perform a download of transaction and statement histories from Online Banking for your records.

FRIDAY, DECEMBER 7, 2018 2 pm Cutoff time for international wire transfers.

4 pm Cutoff time for domestic wire transfers.

Automated Telephone Banking unavailable.

5 pm Online Banking deactivated.

Banking Centers closed.

SATURDAY, DECEMBER 8, 2018 9 am Customer Service begins extended hours of operation to include Saturdays from 9:00 am to 1:30 pm.

MONDAY, DECEMBER 10, 2018 8 am www.vantagebank.com redirected to www.vantage.bank.

Automated Telephone Banking available.

Online Banking available.

All wire transfer services available.

Personal Bill Pay available.

Personal Mobile App and the Business Mobile App available for download and use.

9 am All banking centers open for business(see Banking Centers list).

JANUARY—FEBRUARY Debit card replacements mailed.

JANUARY 31, 2019 5 pm Laredo banking center at 216 West Village Boulevard closed.

MARCH 1, 2019 12 am Current Vantage Bank Texas debit cards invalid.

IMPORTANT DATES

MARK YOUR CALENDAR


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WWW.VANTAGE.BANK

CUSTOMER SERVICE Between now and December 7, 2018, you may contact Customer Service Monday—Friday from 8:00 am to 6:00 pm by calling 866-580-7262, or by emailing [email protected].

Effective December 8, 2018, Customer Service will also be available on Saturdaysfrom 9:00 am to 1:30 pm. The Customer Service phone number will remain the same, 866-580-7262; however, the email address will change to [email protected].

Effective December 10, 2018 customers may also reach Customer Service via chat through our website, www.vantage.bank.

ROUTING NUMBER A new routing number, 114915272, will be effective for Vantage Bank Texas on December 10, 2018. However, you may continue to use your existing checks. Direct deposits and automatic payments will continue without interruption.

When setting up future direct deposits or automatic payments, please make sure to provide routing number 114915272 in addition to your account number.

ACCOUNT NUMBERS Account numbers will remain the same, with very few exceptions. If you have an account that received a new account number, you should have received a separate communication. Contact Customer Service at 866-580-7262 if you have any questions.

CHECKS If you did not receive a new account number, you may continue using your existing Vantage Bank Texas checks after conversion.

If you have a checking account that received a new account number, you should have received a separate written communication and a call from a Vantage Bank Texas banker.

You may reorder checks at any of our convenient locations or by calling Customer Service. Check orders placed through our preferred vendor, Deluxe, will receive a discount of $5.00 if ordered by March 12, 2019.

DIRECT DEPOSITS Current direct deposits will continue to be credited to your account without interruption.

AUTOMATIC PAYMENTS Current automatic payments will continue to process without interruption.

DEPOSIT ACCOUNT— STATEMENTS, FEES, AND INTEREST

Statements

Your preferred method of receiving statements will remain intact post-conversion. You will receive two statements in the month of December. The first statement

will include activity through December 7, and the second statement will include activity from December 8 through your usual statement cutoff date.

Fees

There will be no monthly balance requirement fee assessed in the December 7, 2018 statement.

Interest

Interest will be credited on both December statements according to account terms.

Important Information FOR ALL CUSTOMERS


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SAFE DEPOSIT BOXES You may continue to access your Safe Deposit Box as usual during regular lobby hours. Your current lease agreement will remain in effect.

LOANS AND LINES OF CREDIT

Account numbers will remain the same, with very few exceptions. If you have an account that received a new account number, you should have received a separate communication. Contact Customer Service at 866-580-7262 if you have any questions.

Automatic loan payments will continue without disruption. If you have loan coupons, you may continue to use them to make payments; however, monthly billing statements will now be mailed to you.

All loan payments should be made payable to Vantage Bank Texas. You may continue to pay your loan at any of our banking centers, through Online Banking, or by mail to Vantage Bank Texas; P.O. Box 1700; McAllen, Texas 78505-1700.

REPLACEMENT DEBIT CARD

You will receive a replacement debit card with a new card number by mid-February 2019. Instructions for activation will be provided with your new card. If you have not received your new card by February 15, 2019, please call us at 866-580-7262.

Your current debit card will be deactivated at 12:00 am on March 1, 2019. At that time, your card will no longer be valid and transactions presented against the card will be declined.

DEBIT CARD RECURRING PAYMENTS

If you are using your debit card for recurring payments, contact those merchants with your new debit card information. If this information is not provided to the merchant, transactions will be declined.

ATM USE DURING CONVERSION WEEKEND

From 6:00 pm, December 7, 2018, until 8:00 am, December 10, 2018, ATMs will remain accessible for withdrawal purposes. Balance inquiries will not be available during this time.

AUTOMATED TELEPHONE BANKING

Access to your account information through Automated Telephone Banking will be available until 4:00 pm, December 7, 2018, at 888-294-6174.

You will regain access to the service at 8:00 am on December 10, 2018, at 866-580-7262. The last four (4) digits of your social security number is your Telephone Banking Password.

If you need assistance with accessing this service, please contact Customer Service.

WEBSITE Effective December 10, 2018, when you visit our website www.vantagebank.com, you will be redirected to www.vantage.bank.

When you arrive at our website you will see a new look and navigation. You will be able to chat with Customer Service by clicking on the chat button prominently displayed throughout the website.

WIRE TRANSFERS Cutoff Times December 7, 2018International wires 2 pm | Domestic wires 4 pm

On December 10, 2018, the bank will return to its normal wire transfer schedule.

WWW.VANTAGE.BANK

WIRE TRANSFERS CONT. Incoming Wire TransfersEffective December 10, 2018, please provide the following information to the sending party: • Routing Number: 114915272 • Bank Name: Vantage Bank Texas • Your name as it appears on your bank account • Your account number

Outgoing Wire TransfersEffective December 10, 2018, any wire transfer request that does not originate in person or through our Treasury Management system must be emailed to remote [email protected]. A wire specialist will contact you to confirm information before processing your wire.

BRANCH LOCATIONS AND BUSINESS HOURS

Between now and December 7, 2018, please continue to transact business at your current banking center.

On December 7, 2018 all branches will close at 5:00 pm and will remain closed until 9:00 am December 10, 2018.

Effective December 10, 2018, you will be able to bank at any banking center in our network. Please visit the Banking Center List on pages 9-10 for locations, phone numbers and business hours.

LAREDO BRANCH CLOSURE Due to the proximity of Vantage Bank Texas and Inter National Bank branches in Laredo, it was decided to permanently close our West Village branch. The effective date of the closure will be January 31, 2019. The staff from our West Village branch will transfer to one of the other two Laredo banking centers located at 4819 San Dario Avenue or 7219 McPherson Road.

FUNDS AVAILABILITY There will be no change to the funds availability schedule as a result of this merger.

ERROR RESOLUTION NOTICE Effective December 10, 2018, the address available for reporting unauthorized electronic transfers will change to Vantage Bank Texas; PO Box 1700; McAllen, Texas 78505-1700. The phone number will remain 866-580-7262.

OVERDRAFT PROTECTION TRANSFERS

If you currently have Overdraft Protection, linking one of your Vantage Bank Texas accounts to protect another account, the transfers will continue to occur as needed.

OVERDRAFT PRIVILEGEPROGRAM SERVICES

If you currently participate in the Vantage Bank Texas Overdraft Privilege program, the service will not change until January 2019.

Beginning in 2019, instead of a fixed overdraft limit, your account overdraft limit may change daily. Prior to the change, you will receive additional information regarding the new Overdraft Privilege program.

FDIC INSURANCE The FDIC Standard Maximum Deposit Insurance Amount (SMDIA) for deposits is $250,000 per depositor per insured financial institution.

If you have deposit accounts at both Vantage Bank Texas and Inter National Bank, please read “IMPORTANT INFORMATION REGARDING YOUR FDIC INSURANCE COVERAGE” included in this document.

IRS REPORTING Vantage Bank Texas will send the required tax forms 1098 and/or 1099 information for the 2018 tax reporting year by January 31, 2019.


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VANTAGE REWARDS CHECKING

While the Vantage Rewards Checking product will remain intact post-conversion, account statements will no longer include a summary of qualifications to receive your rewards.

IRA If you have an Individual Retirement Account (IRA) with Vantage Bank Texas, your terms and interest rates will not change.

PERSONAL ONLINE BANKING

Access to Online Banking will be available until 4:00 pm, December 7, 2018. Additionally, all internal and external transfers scheduled to occur on or be-fore 4:00 pm on December 7, 2018, will be processed accordingly. Transactions scheduled after that time will not be processed.

Prior to December 7, 2018, please make sure to download any online banking history and electronic statement information for your records.

The new Online Banking platform will be accessible at 8:00 am, December 10, 2018.

Use the First Time Log On option and register a user name and password.

If you are currently enrolled in Online Banking, you may continue to use your ex-isting user ID on the new Online Banking platform. You will, however, be required to create a new Online Banking Password. Your temporary Online Banking Password will be the last four (4) digits of your social security number.

If you have never enrolled in Online Banking, please contact Customer Service at 866-580-7262 to enroll.

Alerts

System-generated alerts such as the alerts you receive when your Online Banking account has been locked, or when your email address or password has been changed, will continue to be available after the conversion.

Your current custom alerts will not migrate to the new platform. We ask that you please visit our Online Banking portal to reestablish your alerts through the option provided after December 10, 2018.

PERSONAL ONLINE BANKING BILL PAY

Any payees and payments saved on Bill Pay will automatically transfer over to the new Bill Pay platform. Additionally, any payments scheduled to be paid prior to 3:00 pm, December 6, 2018, will be processed accordingly.

The new Online Banking Bill Pay will be accessible at 8:00 am, December 10, 2018.

We recommend reviewing your Bill Pay information after December 10, 2018 for accuracy.

Effective December 10, 2018, the timing in which the funds are debited and posted through the new Bill Pay system may vary from our previous platform. Please read the Online Banking terms and conditions in order to understand how you may be impacted.

Important Information for PERSONAL CUSTOMERS

FINANCEWORKS FinanceWorks will no longer be available after December 7, 2018.

INTUIT USERS Vantage Bank Texas is migrating to a new online banking platform on Friday, December 7. To ensure a smooth transition, we recommend you perform a final download of transactions by Thursday, December 6. Instructions can be found at www.vantagebank.com/intuit.

Web Connect Users: Please make changes to your Intuit software configuration on or after December 10.

Direct Connect Users: Direct Connect will no longer be supported after December 7, 2018.

After performing the download, please review the report of transactions carefully to ensure that no transactions were duplicated or missed on the register.

If you have any questions, feel free to contact customer service at 866-580-7262.

MOBILE BANKING Mobile Banking will be available until 6:00 pm, December 6, 2018.

On December 10, 2018, download the new Mobile Banking App. You will find it in the Apple App Store or Google Play under the name Vantage Bank Texas.

In order to use the new Vantage Mobile Banking App, you must first register through the new Online Banking portal. You may then utilize the same username and password created within the Online Banking portal to access services through the Mobile Banking App.

You may visit our website to learn more about Mobile Banking.

Important Information for BUSINESS CUSTOMERS

BUSINESS ONLINE BANKING AND TREASURY MANAGEMENT

If you are currently using Business Online Banking or Treasury Management Services, you will be contacted separately regarding the transition of these services. For assistance, please call our Treasury Management Services support team at 877-627-9099 from 8:00 am to 5:00 pm Monday–Friday.

MERCHANT SERVICES Merchant Services will not be affected by the conversion.

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CURRENT NAME

Vantage Rewards Checking

Vantage Classic Checking

Vantage Checking

Money Market PersonalSpecial Money Market

Special Money Market Promo

Personal Savings

NEW NAME

No Change

Vantage Personal Checking

No Change

Vantage Personal Money Market

Vantage Personal Savings

PERSONAL Deposit AccountsWe are renaming some of our products effective December 10. Use the charts below to see what type of account yours will transition to. No changes were made to the product features on these accounts:

The product below will undergo both a name change and feature/benefit changes. Use the chart below to review the changes, and call Customer Service at 866-580-7262 if you have questions.

The products below will undergo both a name change and feature/benefit changes. Use the chart below to review the changes, and call Customer Service at 866-580-7262 if you have questions.

CURRENT ACCOUNT NAME & FEATURES

Advantage Relationship Checking

Minimum Average Daily Balance to avoid a monthly service charge is $3,000.

Monthly Account Service Charge is $10.

NEW ACCOUNT NAME & FEATURES

Vantage Personal Interest Checking*

Minimum Average Daily Balance to avoid a monthly service charge is $2,000.**

Monthly Account Service Charge is $18.**

* The name change will take effect on December 10, 2018.** The account features will take effect on January 2, 2019.

BUSINESSDeposit Accounts

CURRENT ACCOUNT NAME & FEATURES

Advantage Business Interest Checking

Minimum Average Daily Balance to avoid a monthly service charge is $1,000.


No. of transactions at no charge is 400.

Excess Transaction Fee is $ .30.

NEW ACCOUNT NAME & FEATURES(EFFECTIVE DECEMBER 10, 2018)

Vantage Business Interest CheckingMinimum Average Daily Balance to avoid a monthly service charge is $1,500.




Vantage Business CheckingMinimum Average Daily Balance to avoid a monthly service charge is $2,500.




CURRENT NAME

Basic Business CheckingBusiness Checking

Business Classic Checking

Business Analysis Checking

IOLTA Checking

Business Money Market

Business SavingsNon-Profit Savings

NEW NAME

Vantage Business Checking

Vantage Commercial Checking

Vantage Analysis Checking

No Change

Vantage Business Money Market

Vantage Business Savings

We are renaming some of our products effective December 10. Use the charts below to see what type of account yours will transition to. No changes were made to the product features on these accounts:

Advantage Business Checking Minimum Average Daily Balance to avoid a

monthly service charge is $1,000.





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WWW.VANTAGE.BANK

BANKING OUTSIDE THE BRANCH

Vantage Bank Texas makes it easy for you to bank and stay in control of your finances, regardless of where you are. Here are a few ways Vantage Bank Texas makes it easy for you to bank outside our branches:

MOBILE APP

With the Vantage Bank Texas Personal Mobile App, you can deposit checks, manage your debit card usage, make person-to person payments, set up account alerts, easily login with Touch ID and more.

MOBILE CHECK DEPOSIT

Deposit checks into your account using the Vantage Bank Texas Personal Mobile App by simply taking a photo with your smartphone.

CARDVALET®

Manage the way your debit card is used straight from the Vantage Bank Texas Personal Mobile App with CardValet®.

POPMONEY

With just a mobile number or email, you can send and receive money in minutes to almost anyone in the U.S.

NOTIFI ALERTS

Choose from dozens of account activity alerts and receive notifications via email, text, online banking or push notifications for personal accounts.

DIGITAL WALLET

With Digital Wallet, you can make purchases straight from your smartphone, tablet or smartwatch in stores, apps or on the web.

TABLET APP

With the Vantage Bank Texas Personal Mobile App, you can deposit checks, manage your debit card usage, make person-to person payments, set up account alerts, easily login with Touch ID and a lot more.

ONLINE BANKING

View your account balance, make wire transfers, monitor transaction history and sign up for alerts. All by logging on to your Vantage Bank Texas account.

ONLINE BILL PAY

Pay all your bills online or through our app with just a few simple steps!

Our business customers can also enjoy a number of services created specifically to provide them the convenience and flexibility to bank outside our branches.

BUSINESS MOBILE APP

With the Vantage Bank Texas Business Mobile App, you can pay bills; submit, review and approve single-payment templates for ACH and domestic wires; approve scheduled transactions, including fund transfers, ACH transfers, and wire transfers; set up account alerts and more.

TREASURY MANAGEMENT SERVICES

Increase your efficiency and reduce expenses by automating your collections, disbursements and funding activities.

BILL PAYMENT

FOR SMALL BUSINESS

Send single payments or establish recurring payments, include invoice record data to your payments, set up ebills (electronic versions of your monthly bills), and set up bill reminders.

BUSINESS ONLINE BANKING

Securely manage your company’s financials through the Vantage Bank Texas Business Online Banking platform. Enjoy easy-to-use navigation, comprehensive real-time information and the ability to quickly and efficiently manage your day-to-day cash flow and account balances.

CHAT ONLINE

Chat with one of our Customer Service representatives by simply visiting our website.

TELEPHONE BANKING

Obtain your account information and transfer funds using any touch-tone telephone and dialing 866-580-7262.

DEPOSIT-TAKING ATMS

Deposit cash and checks at Vantage Bank Texas ATMs at any time— 24 hours a day.


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IMPORTANT INFORMATION REGARDING YOURFDIC INSUR ANCE COVER AGE

ADDITIONAL NOTICES


For those customers who currently have deposit accounts at both Vantage Bank

Texas and Inter National Bank, your deposits wil l continue to be insured by the

Federal Deposit Insurance Corporation (FDIC). FDIC deposit insurance covers all

deposit accounts, including checking and savings accounts, money market deposit

accounts and certificates of deposit. The standard insurance amount is $250,000

per depositor, per insured bank for each account ownership category. Vantage Bank

Texas and Inter National Bank will be considered a single entity for FDIC deposit

insurance. However, following a bank merger, the separate deposit insurance of each

of the banks is continued for a period of not less than six months after the merger.

The extended deposit insurance coverage period is designed to allow customers

ample time to restructure accounts and account ownership to allow for continued

deposit insurance after the merger.

For checking, savings and money market deposit accounts, the separate deposit

insurance coverage will continue for six months following the merger. For certificates

of deposit or time deposits that mature and are automatically rolled over within six

months after the merger, the separate insurance coverage will continue until the

first maturity after the expiration of the six-month period following the merger. For

certificates of deposit or time deposits that mature more than six months after the

merger, the separate insurance coverage continues until the earliest maturity date

after the expiration of the six-month period following the merger.

The consolidation of the FDIC insurance limits wil l not impact our customers who

maintain deposit accounts with only one of the banks, Vantage Bank Texas or Inter

National Bank. However, the maximum deposit insurance coverage available to

customers who maintain deposit accounts at both of the aforementioned banks may

be affected. If you think you may be affected by the combined deposit insurance

limit, visit your nearest Vantage Bank Texas location. To speak with a Customer

Service representative, call 866-580-7262.

26 27

Banking Service Fees

ATM Service FeesATM transactions: VBT network ATMs*...............................................no charge Out-of-network ATMs (each transaction)**...........$3.00 Non-customer balance inquiry...................................$3.00 Non-customer transfer...................................................$3.00 Lost/replacement card (each).....................................$7.00

* Transactions at Vantage Bank Texas ATMs, plus all ATM locations displaying the Allpoint logo have no charge for VBT customers (conversion and cross border fees may apply). ** Transactions include withdrawals, balance inquiries and transfers. The ATM owner may charge an additional transaction fee.

Teller Service FeesCashier’s checks: Customers.................................................................$10.00 Non-customers.......................................................$12.00Cashed check for non-customers..................................$7.00Collection items (incoming and outgoing): Domestic.................................................................$20.00 International.......................................................cost + $20.00 Title drafts.......................................................................$25.00Counter slips (deposits/debits): 6 per statement cycle.........................................no charge 7 and above (each).........................................................$1.00Currency & coin services: Commercial deposit (per thousand)........................$0.25 Currency per strap .........................................................$0.30 Coin per roll.......................................................................$0.10 Coin per bag.................................................................. 1.50%

(of the total amount counted)Verification of coin deposit: Same denomination per bag......................................1.50%

(of the total amount counted)

Mixed denomination per bag......................................1.50%(of the total amount counted)

General Service Fees

Account activity printout (per printout).........................$5.00Account balancing assistance (per hour).................$25.00 (1-hour minimum and $1 per copy)Account closed before 90 days.....................................$25.00Account closed by mail.......................................................$5.00 Inactive account................................................................$10.00Account research (per hour)............................................$35.00 (1-hour minimum and $1 per copy)Amortization schedule......................................................$10.00Balance inquiry Direct Access & online...........................................no charge Staff-assisted..................................................................$3.00Check printing......................(varies with style and quantity)Copies Image copy........................................................................$5.00 Photo copies (per page)................................................$2.00Credit inquiry/account verification.............................$25.00Deposit correction................................................................$7.00Document services: Document executions..................................................$25.00 Garnishments/levies/freezes...........................$125.00 Indemnity bond.............................................................$25.00Endorsement stamps............................................................costNon-sufficient funds item (paid or returned)..........................................................$35.00Overdraft fee (per item) (paid or returned)..........................................................$35.00 (imposed on overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means)

Re-deposited items.............................................................$7.00Returned deposit item..................................................... $12.00Rush replacement debit card (each)..........................$25.00Signature card revision...................................................$12.00Statements: Hold statements (per month).....................................$10.00 Printouts (each)................................................................$5.00 Returned mail..................................................................$15.00 Special statement cycle / cutoff.............................. $20.00 CD-ROM statement (each)........................................$10.00 Paper statements (per month).....................................$3.00Stop payment (per item).................................................$35.00Transfer of funds between VBT accounts Direct Access & online..........................................no charge Staff - assisted................................................................. $6.00Automatic sweep transfers (insufficient funds).......$12.00Automatic internal sweep transfers (Zero & Peg Bal.)

Master account (per month)......................................$20.00 Subsidiary accounts (per month)..................$5.00(each)Wire transfers - customers only Incoming domestic........................................................$15.00 Incoming international................................................$23.00Incoming return fee (based on wire amount) up to...............$20.00Outgoing domestic...........................................................$35.00Outgoing international....................................................$70.00Wires to and from Banorte............................................$20.00Mailed confirmation............................................................$3.00Electronic confirmation............................................no charge

Business Online banking Service Fees (Fees are applied upon service activation and/or use)

Security token for each online user...............................$25.00 (first token free)Small business bill pay Monthly maintenance.....................................................$5.95 Per transaction (first 10 items N/A)..............................$1.00Security token lost or stolen replacement................$25.00Stop payment.....................................................................$35.00Internal transfer between VBT accounts............no chargeWire Transfers Monthly maintenance....................................................$5.00 Outgoing domestic (US Funds).................................$28.00 Outgoing international (US Funds)..........................$63.00

Wires to Banorte............................................................$20.00

Treasury Management Service Fees(See separate schedule)

Business Service FeesInterest on overdraft (per month)....................................1.50%Night deposit services:

Lock bag..........................................................................$25.00 Refundable key deposit...............................................$10.00 Zipper bag.........................................................................$5.00VISA/MasterCard merchant services: Imprinter.........................................................................cost Point-of-sale terminal......................................................cost Chargebacks...........................................................$15.00 Correction notice...........................................................$10.00 Minimum monthly discount rate.............................$20.00 Supplies..........................................................................cost

Safe Deposit Box Fees(Boxes subject to availability. Contact your local branch for information. Contents inside safe deposit boxes are not FDIC insured.)

Annual rental fees 3” X 5”...............................................................................$30.00 4” X 10”.............................................................................$35.00 3” X 10”.............................................................................$45.00 5” X 5”...............................................................................$50.00 5” X 10”.............................................................................$60.00 7” X 10”.............................................................................$75.00 10” X 10”.............................................................................$95.00 10” X 15”...........................................................................$100.00 11” X 17”............................................................................$135.00Key replacement (per key)............................................$25.00Drilling fees (lost key)..........................................................cost

Effective 12/10/18

WWW.VANTAGEBANK.COMTelephone 866-580-7262

WWW.VANTAGE.BANKVANTAGE BANK TEXAS | 2018 Rev. 06/2018

WHAT DOES VANTAGE BANK TEXAS (VBT) DO WITH YOUR PERSONAL INFORMATION?

4

Reasons we can share your personal information Does VBT Share? Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes – to offer our products and service to you

Yes No

For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes – information about your transactions and experiences

Yes No

For our affiliates’ everyday business purposes – information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For our nonaffiliates to market to you No We don’t share

-------------------------------------------------------------------------------------------------------------------------------------------- Mail-in Form Leave Blank OR If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.

Apply my choices only to me

Mark any/all you want to limit:

Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

Do not allow your affiliates to use my personal information to market to me.

Do not share my personal information with nonaffiliates to market their products and services to me.

Name Mail to:

Vantage Bank Texas Attn: Call Center PO Box 1700 McAllen, TX 78505

Address

City, State, Zip

Account(s) #

FACTS

Why?

What?

How?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. The information can include:

▪ Social Security number and income ▪ Account balances and payment history ▪ Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Vantage Bank Texas chooses to share; and whether you can limit this sharing.

Questions? Call (956) 664-8401 or 1-866-580-7262

To limit our sharing

▪ Mail the form below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

W W W.VA N TA G E . B A N K

28 29

THIS PAGE WAS INTENTIONALLY LEFT BLANK

Rev. 06/2018

What we do

How does VBT protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does VBT collect my personal information?

We collect your personal information, for example, when you

▪ Open an account or deposit money ▪ Pay your bills or apply for a loan ▪ Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

▪ Sharing for affiliates’ everyday business purposes – information about your creditworthiness

▪ Affiliates from using your information to market to you ▪ Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choice will apply to everyone on your account – unless you tell us otherwise.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

▪ Our affiliates include companies with a common ownership such as Edwards Abstract & Title, LLC.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

▪ VBT does not share with nonaffiliates so they can market to you.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

▪ Our joint marketing partners include a marketing agency and credit card company.

Other Important Information

Texas Residents Important Notice: Vantage Bank Texas is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Vantage Bank Texas should contact the Texas Department of Banking through one of the means indicated below: In Person or U.S. mail: Texas Department of Banking, 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No: 877-276-5554 (Toll Free), Fax: 512-475-1313, Email: [email protected], Website: www.dob.texas.gov. CA & VT Residents: We will not share your information with nonaffiliates without your consent except for our everyday business purposes and as required or permitted by law. NV Residents: For more information on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number 702-486-3132; Email [email protected].

Page 2

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Terms and Conditions of Your Account

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Wolters Kluwer Financial Services

Terms and Conditions-TXBankers Systems

Page 1 of 10

Contents:Important Information about Procedures forOpening a New Account Agreement Liability Deposits Withdrawals

Uniform Single-Party or Multiple-PartyAccount Selection Form Notice Business, Organization, and AssociationAccounts Stop Payments Telephone Transfers Amendments and Termination

Notices Statements Direct DepositsTemporary Account Agreement Setoff Check Processing Check Cashing Truncation, Substitute Checks, and OtherCheck Images Remotely Created Checks Unlawful Internet Gambling Notice ACH and Wire Transfers Facsimile Signatures Restrictive Legends or Indorsements Account Transfer Indorsements Death or Incompetence Fiduciary Accounts Credit Verification Legal Actions Affecting Your Account Security Telephonic Instructions Monitoring and Recording Telephone Calls andConsent to Receive Communications Claim of Loss Early Withdrawal Penalties Address or Name Changes Resolving Account Disputes Waiver of Notices Additional Terms

Your Duty to Report UnauthorizedSignatures, Alterations, and Forgeries Your Duty to Report Other Errors Errors Relating to Electronic Fund Transfersor Substitute Checks

(11) (12)

(13) (14) (15) (16) (17) (18)

(19) (20) (21) (22) (23) (24) (25) (26) (27) (28) (29) (30) (31) (32)

(33) (34) (35) (36) (37) (38)

This agreement is subject to applicable federal laws, the lawsof the state of Texas and other applicable rules such as theoperating letters of the Federal Reserve Banks and paymentprocessing system rules (except to the extent that thisagreement can and does vary such rules or laws). The bodyof state and federal law that governs our relationship withyou, however, is too large and complex to be reproducedhere. The purpose of this document is to:

1.

(1)

(2) (3) (4) (5)

(6)

(7)

(8) (9) (10)

What this means for you: When you open an account, wewill ask for your name, address, date of birth, and otherinformation that will allow us to identify you. We may alsoask to see your driver' s license or other identifyingdocuments.

(1) Important Information about Procedures forOpening a New Account. To help the government fightthe funding of terrorism and money laundering activities,federal law requires all financial institutions to obtain,verify, and record information that identifies each personwho opens an account.

to use the account, you agree to these rules. You willreceive a separate schedule of rates, qualifying balances, andfees if they are not included in this document. If you haveany questions, please call us.

summarize some laws that apply to commontransactions;

2. establish rules to cover transactions or events which thelaw does not regulate;

(2) Agreement. This document, along with any otherdocuments we give you pertaining to your account(s), is acontract that establishes rules which control your account(s)with us. Please read this carefully and retain it for futurereference. If you sign the signature card or open or continue

Generally Postdated ChecksChecks and Withdrawal Rules A Temporary Debit Authorization HoldAffects Your Account BalanceOverdrafts Multiple Signatures, Electronic CheckConversion, and Similar Transactions Notice of Withdrawal

Single-Party Account Without "P.O.D."(Payable on Death) Designation Single-Party Account With "P.O.D."(Payable on Death) DesignationMultiple-Party Account Without Right ofSurvivorship Multiple-Party Account With Right ofSurvivorship Multiple-Party Account w ith Right ofSurvivorship and "P.O.D." (Payable onDeath) Designation Convenience Account Trust Account

(1801).00

an interest in your account. This also includes any actionthat you or a third party takes regarding the account thatcauses us, in good faith, to seek the advice of an attorney,whether or not we become involved in the dispute. All costsand attorneys' fees can be deducted from your account whenthey are incurred, without notice to you.

(4) Deposits. We will give only provisional credit untilcollection is final for any items, other than cash, we acceptfor deposit (including items drawn "on us"). Beforesettlement of any item becomes final, we act only as youragent, regardless of the form of indorsement or lack ofindorsement on the item and even though we provide youprovisional credit for the item. We may reverse anyprovisional credit for items that are lost, stolen, or returned.Unless prohibited by law, we also reserve the right to chargeback to your account the amount of any item deposited toyour account or cashed for you which was initially paid bythe payor bank and which is later returned to us due to anallegedly forged, unauthorized or missing indorsement,claim of alteration, encoding error or other problem whichin our judgment justifies reversal of credit. You authorize usto attempt to collect previously returned items without givingyou notice, and in attempting to collect we may permit thepayor bank to hold an item beyond the midnight deadline.Actual credit for deposits of, or payable in, foreign currencywill be at the exchange rate in effect on final collection inU.S. dollars. We are not responsible for transactions by mailor outside depository until we actually record them. We willtreat and record all transactions received after our "dailycutoff time" on a business day we are open, or received on aday we are not open for business, as if initiated on the nextbusiness day that we are open. At our option, we may takean item for collection rather than for deposit. If we accept athird-party check for deposit, we may require anythird-party indorsers to verify or guarantee theirindorsements, or indorse in our presence.

(5) Withdrawals.

Generally. Unless clearly indicated otherwise on theaccount records, any of you, acting alone, who signs toopen the account or has authority to make withdrawalsmay withdraw or transfer all or any part of the accountbalance at any time. Each of you (until we receive writtennotice to the contrary) authorizes each other person whosigns or has authority to make withdrawals to indorse anyitem payable to you or your order for deposit to thisaccount or any other transaction with us.

Postdated Checks. A postdated check is one whichbears a date later than the date on which the check iswritten. We may properly pay and charge your accountfor a postdated check even though payment was madebefore the date of the check, unless we have receivedwritten notice of the postdating in time to have areasonable opportunity to act. Because we process checksmechanically, your notice will not be effective and wewill not be liable for failing to honor your notice unless it

4. give you disclosures of some of our policies to whichyou may be entitled or in which you may be interested.

establish rules for certain transactions or events whichthe law regulates but permits variation by agreement;and

3.

"Party" means a person who, by the terms of an account,has a present right, subject to request, to payment from theaccount other than as a beneficiary or agent.

You will be liable for our costs as well as for our reasonableattorneys' fees, to the extent permitted by law, whetherincurred as a result of collection or in any other disputeinvolving your account. This includes, but is not limited to,disputes between you and another joint owner; you and anauthorized signer or similar party; or a third party claiming

(3) Liability. You agree, for yourself (and the person orentity you represent if you sign as a representative ofanother) to the terms of this account and the schedule ofcharges. You authorize us to deduct these charges, withoutnotice to you, directly from the account balance as accrued.You will pay any additional reasonable charges for servicesyou request which are not covered by this agreement.

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 theauthority to deposit, withdraw, or exercise control over thefunds in the account. However, this agreement does notintend, and the terms "you" and "your" should not beinterpreted, to expand an individual' s responsibility for anorganization' s liability. If this account is owned by acorporation, partnership or other organization, individualliability is determined by the laws generally applicable tothat type of organization. The headings in this document arefor convenience or reference only and will not govern theinterpretation of the provisions. Unless it would beinconsistent to do so, words and phrases used in thisdocument should be construed so the singular includes theplural and the plural includes the singular.

If any provision of this document is found to beunenforceable according to its terms, all remainingprovisions will continue in full force and effect. We maypermit some variations from our standard agreement, but wemust agree to any variation in writing either on the signaturecard for your account or in some other document. Nothingin this document is intended to vary our duty to act in goodfaith and with ordinary care when required by law.

Each of you also agrees to be jointly and severally(individually) liable for any account shortage resulting fromcharges or overdrafts, whether caused by you or anotherwith access to this account. This liability is due immediately,and can be deducted directly from the account balancewhenever sufficient funds are available. You have no rightto defer payment of this liability, and you are liableregardless of whether you signed the item or benefited fromthe charge or overdraft.

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You have $120 in your account. You swipe your card atthe card reader on a gasoline pump. Since it is unclearwhat the final bill will be, the gas station' s processingsystem immediately requests a hold on your account in aspecified amount, for example, $80. Our processingsystem authorizes a temporary hold on your account inthe amount of $80, and the gas station' s processingsystem authorizes you to begin pumping gas. You fillyour tank and the amount of gasoline you purchased isonly $50. Our processing system shows that you have$40 in your account available for other transactions ($120- $80 = $40) even though you would have $70 in youraccount available for other transactions if the amount ofthe temporary hold was equal to the amount of yourpurchase ($120 - $50 = $70). Later, another transactionyou have authorized is presented for payment from youraccount in the amount of $60 (this could be a check youhave written, another debit card transaction, an ACHdebit or any other kind of payment request). This othertransaction is presented before the amount of thetemporary hold is adjusted to the amount of yourpurchase (remember, it may take up to three days for theadjustment to be made). Because the amount of this othertransaction is greater than the amount our processingsystem shows is available in your account, our paymentof this transaction will result in an overdraft transaction.Because the transaction overdraws your account by $20,your account will be assessed the overdraft fee of $35according to our overdraft fee policy. You will becharged this $35 fee according to our policy even thoughyou would have had enough money in your account tocover the $60 transaction if your account had only beendebited the amount of your purchase rather than theamount of the temporary hold or if the temporary holdhad already been adjusted to the actual amount of yourpurchase.

Even if we honor a nonconforming request, we are notrequired to do so later. If you violate the statedtransaction limitations (if any), in our discretion we mayclose your account or reclassify it as a transactionaccount. If we reclassify your account, your account willbe subject to the fees and earnings rules of the newaccount classification.

If we are presented with an item drawn against youraccount that would be a "substitute check," as defined bylaw, but for an error or defect in the item introduced inthe substitute check creation process, you agree that wemay pay such item.

See the funds availability policy disclosure forinformation about when you can withdraw funds youdeposit. For those accounts to which our fundsavailability policy disclosure does not apply, you can askus when you make a deposit when those funds will beavailable for withdrawal. An item may be returned afterthe funds from the deposit of that item are made availablefor withdrawal. In that case, we will reverse the credit ofthe item. We may determine the amount of availablefunds in your account for the purpose of deciding whetherto return an item for insufficient funds at any timebetween the time we receive the item and when we returnthe item or send a notice in lieu of return. We need onlymake one determination, but if we choose to make asubsequent determination, the account balance at thesubsequent time will determine whether there areinsufficient available funds.

precisely identifies the number, date, amount and payeeof the item.

Here is an example of how this can occur - assume forthis example the following: (1) you have opted-in to ouroverdraft services for the payment of overdrafts on ATMand everyday debit card transactions, (2) we pay theoverdraft, and (3) our overdraft fee is $35 per overdraft,but we do not charge the overdraft fee if the transactionoverdraws the account by less than $10.

A Temporary Debit Authorization Hold AffectsYour Account Balance. On debit card purchases,merchants may request a temporary hold on your accountfor a specified sum of money, which may be more thanthe actual amount of your purchase. When this happens,our processing system cannot determine that the amountof the hold exceeds the actual amount of your purchase.This temporary hold, and the amount charged to youraccount, will eventually be adjusted to the actual amountof your purchase, but it may be up to three days beforethe adjustment is made. Until the adjustment is made, theamount of funds in your account available for other

Checks and Withdrawal Rules. If you do not purchaseyour check blanks from us, you must be certain that weapprove the check blanks you purchase. We may refuseany withdrawal or transfer request which you attempt onforms not approved by us or by any method we do notspecifically permit. We may refuse any withdrawal ortransfer request which is greater in number than thefrequency permitted, or which is for an amount greater orless than any withdrawal limitations. We will use the datethe transaction is completed by us (as opposed to the dateyou initiate it) to apply the frequency limitations. Inaddition, we may place limitations on the account untilyour identity is verified.

Overdrafts. You understand that we may, at ourdiscretion, honor withdrawal requests that overdraw youraccount. However, the fact that we may honor withdrawalrequests that overdraw the account balance does not

transactions will be reduced by the amount of thetemporary hold. If another transaction is presented forpayment in an amount greater than the funds left after thededuction of the temporary hold amount, that transactionwill be a nonsufficient funds (NSF) transaction if we donot pay it or an overdraft transaction if we do pay it. Youwill be charged an NSF or overdraft fee according to ourNSF or overdraft fee policy. You will be charged the feeeven if you would have had sufficient funds in youraccount if the amount of the hold had been equal to theamount of your purchase.

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Multiple Signatures, Electronic Check Conversion,and Similar Transactions. An electronic checkconversion transaction is a transaction where a check orsimilar item is converted into an electronic fund transferas defined in the Electronic Fund Transfers regulation. Inthese types of transactions the check or similar item iseither removed from circulation (truncated) or given backto you. As a result, we have no opportunity to review thecheck to examine the signatures on the item. You agreethat, as to these or any items as to which we have noopportunity to examine the signatures, you waive anyrequirement of multiple signatures.

Multiple-Party Account Without Right ofSurvivorship. The parties to the account own the accountin proportion to the parties' net contributions to theaccount. The financial institution may pay any sum in theaccount to a party at any time. On the death of a party,the party' s ownership of the account passes as a part ofthe party' s estate under the party' s will or by intestacy.

Multiple-Party Account With Right of Survivorshipand "P.O.D." (Payable on Death) Designation. Theparties to the account own the account in proportion to theparties' net contributions to the account. The financialinstitution may pay any sum in the account to a party atany time. On the death of the last surviving party, theownership of the account passes to the P.O.D.beneficiaries.

Convenience Account. The parties to the account ownthe account. One or more convenience signers to theaccount may make account transactions for a party. Aconvenience signer does not own the account. On thedeath of the last surviving party, ownership of theaccount passes as a part of the last surviving party' s estateunder the last surviving party' s will or by intestacy. Thefinancial institution may pay funds in the account to aconvenience signer before the financial institutionreceives notice of the death of the last surviving party.The payment to a convenience signer does not affect theparties' ownership of the account.

(7) Business, Organization, and AssociationAccounts. Earnings in the form of interest, dividends, orcredits will be paid only on collected funds, unless otherwiseprovided by law or our policy. You represent that you havethe authority to open and conduct business on this accounton behalf of the entity. We may require the governing

obligate us to do so later. So you can NOT rely on us topay overdrafts on your account regardless of howfrequently or under what circumstances we have paidoverdrafts on your account in the past. We can changeour practice of paying overdrafts on your account withoutnotice to you. You can ask us if we have other accountservices that might be available to you where we committo paying overdrafts under certain circumstances, such asan overdraft protection line-of-credit or a plan to sweepfunds from another account you have with us. You agreethat we may charge fees for overdrafts. For consumeraccounts, we will not charge fees for overdrafts caused byATM withdrawals or one-time debit card transactions ifyou have not opted-in to that service. We may usesubsequent deposits, including direct deposits of socialsecurity or other government benefits, to cover suchoverdrafts and overdraft fees.

Single-Party Account With "P.O.D." (Payable onDeath) Designation. The party to the account owns theaccount. On the death of the party, ownership of theaccount passes to the P.O.D. beneficiaries of the account.The account is not a part of the party' s estate.

Notice of Withdrawal. We reserve the right to requirenot less than 7 days' notice in writing before eachwithdrawal from an interest-bearing account other than atime deposit or demand deposit, or from any othersavings account as defined by Regulation D. (The lawrequires us to reserve this right, but it is not our generalpolicy to use it.) Withdrawals from a time account priorto maturity or prior to any notice period may be restrictedand may be subject to penalty. See your notice of penaltyfor early withdrawal.

(6) Uniform Single-Party or Multiple-Party AccountSelection Form Notice. The type of account you selectmay determine how property passes on your death. Yourwill may not control the disposition of funds held in some ofthe following accounts. You may choose to designate one ormore convenience signers on an account, even if the accountis not a convenience account. A designated conveniencesigner may make transactions on your behalf during yourlifetime, but does not own the account during your lifetime.The designated convenience signer owns the account on yourdeath only if the convenience signer is also designated as aP.O.D. payee or trust account beneficiary.

Single-Party Account Without "P.O.D." (Payableon Death) Designation. The party to the account ownsthe account. On the death of the party, ownership of theaccount passes as a part of the party' s estate under theparty' s will or by intestacy.

Trust Account. The parties named as trustees to theaccount own the account in proportion to the parties' netcontributions to the account. A trustee may withdrawfunds from the account. A beneficiary may not withdrawfunds from the account before all trustees are deceased.On the death of the last surviving trustee, the ownershipof the account passes to the beneficiary. The trust accountis not a part of a trustee' s estate and does not pass underthe trustee' s will or by intestacy, unless the trusteesurvives all of the beneficiaries and all other trustees.

Multiple-Party Account With Right of Survivorship.The parties to the account own the account in proportionto the parties' net contributions to the account. Thefinancial institution may pay any sum in the account to aparty at any time. On the death of a party, the party' sownership of the account passes to the surviving parties.

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We may accept an order to stop payment on any item fromany one of you. You must make any stop-payment order inthe manner required by law; it must be made in a dated,authenticated record that describes the item with certainty.(Generally, a "record" is information that is stored in such away that it can be retrieved and can be heard or read andunderstood - you can ask us what type of stop paymentrecords you can give us). We must receive it in time to giveus a reasonable opportunity to act on it before ourstop-payment cutoff time. Because stop-payment orders arehandled by computers, to be effective, your stop-paymentorder must precisely identify the number, date, and amountof the item, and the payee.

Our stop-payment cutoff time is one hour after the openingof the next banking day after the banking day on which wereceive the item. Additional limitations on our obligation tostop payment are provided by law (e.g., we paid the item incash or we certified the item).

(9) Telephone Transfers. A telephone transfer of fundsfrom this account to another account with us, if otherwisearranged for or permitted, may be made by the same personsand under the same conditions generally applicable towithdrawals made in writing. Unless a different limitation isdisclosed in writing, we restrict the number of transfersfrom a savings account to another account or to thirdparties, to a maximum of six per month (less the number of

(8) Stop Payments. Unless otherwise provided, the rulesin this section cover stopping payment of items such aschecks and drafts. Rules for stopping payment of other typesof transfers of funds, such as consumer electronic fundtransfers, may be established by law or our policy. If wehave not disclosed these rules to you elsewhere, you mayask us about those rules.

(10) Amendments and Termination. We may changeany term of this agreement. Rules governing changes ininterest rates are provided separately in the Truth-in-Savingsdisclosure or in another document. For other changes, wewill give you reasonable notice in writing or by any othermethod permitted by law. We may also close this account atany time upon reasonable notice to you and tender of theaccount balance personally or by mail. Items presented forpayment after the account is closed may be dishonored.When you close your account, you are responsible forleaving enough money in the account to cover anyoutstanding items to be paid from the account. Reasonablenotice depends on the circumstances, and in some cases suchas when we cannot verify your identity or we suspect fraud,it might be reasonable for us to give you notice after thechange or account closure becomes effective. For instance,if we suspect fraudulent activity with respect to youraccount, we might immediately freeze or close your accountand then give you notice. If we have notified you of achange in any term of your account and you continue tohave your account after the effective date of the change, youhave agreed to the new term(s).

Your Duty to Report Unauthorized Signatures,Alterations, and Forgeries. You must examine yourstatement of account with "reasonable promptness." Ifyou discover (or reasonably should have discovered) anyunauthorized signatures or alterations, you must promptlynotify us of the relevant facts. As between you and us, ifyou fail to do either of these duties, you will have toeither share the loss with us, or bear the loss entirelyyourself (depending on whether we used ordinary careand, if not, whether we contributed to the loss). The losscould be not only with respect to items on the statementbut other items with unauthorized signatures or alterationsby the same wrongdoer.

You agree that the time you have to examine yourstatement and report to us will depend on thecircumstances, but will not, in any circumstance, exceeda total of 30 days from when the statement is first sent ormade available to you.

(11) Notices. Any written notice you give us is effectivewhen we actually receive it, and it must be given to usaccording to the specific delivery instructions providedelsewhere, if any. We must receive it in time to have areasonable opportunity to act on it. If the notice is regardinga check or other item, you must give us sufficientinformation to be able to identify the check or item,including the precise check or item number, amount, dateand payee. Written notice we give you is effective when it isdeposited in the United States Mail with proper postage andaddressed to your mailing address we have on file. Notice toany of you is notice to all of you.

(12) Statements.

"preauthorized transfers" during the month). Other accounttransfer restrictions may be described elsewhere.

You may stop payment on any item drawn on your accountwhether you sign the item or not. Your stop-payment orderis effective for six months. Your order will lapse after thattime if you do not renew the order in writing before the endof the six-month period. We are not obligated to notify youwhen a stop-payment order expires. A release of thestop-payment request may be made only by the person whoinitiated the stop-payment order.

If you stop payment on an item and we incur any damagesor expenses because of the stop payment, you agree toindemnify us for those damages or expenses, includingattorneys' fees. You assign to us all rights against the payeeor any other holder of the item. You agree to cooperate withus in any legal actions that we may take against suchpersons. You should be aware that anyone holding the itemmay be entitled to enforce payment against you despite thestop-payment order.

body of the entity opening the account to give us a separateauthorization telling us who is authorized to act on itsbehalf. We will honor the authorization until we actuallyreceive written notice of a change from the governing bodyof the entity.

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(14) Temporary Account Agreement. If the accountdocumentation indicates that this is a temporary accountagreement, each person who signs to open the account orhas authority to make withdrawals (except as indicated to thecontrary) may transact business on this account. However,we may at some time in the future restrict or prohibit furtheruse of this account if you fail to comply with therequirements we have imposed within a reasonable time.

(15) Setoff. We may (without prior notice and whenpermitted by law) set off the funds in this account againstany due and payable debt any of you owe us now or in the

(16) Check Processing. We process items mechanicallyby relying solely on the information encoded in magnetic inkalong the bottom of the items. This means that we do notindividually examine all of your items to determine if theitem is properly completed, signed and indorsed or todetermine if it contains any information other than what isencoded in magnetic ink. You agree that we have exercisedordinary care if our automated processing is consistent withgeneral banking practice, even though we do not inspecteach item. Because we do not inspect each item, if you writea check to multiple payees, we can properly pay the checkregardless of the number of indorsements unless you notifyus in writing that the check requires multiple indorsements.We must receive the notice in time for us to have areasonable opportunity to act on it, and you must tell us theprecise date of the check, amount, check number and payee.We are not responsible for any unauthorized signature oralteration that would not be identified by a reasonableinspection of the item. Using an automated process helps uskeep costs down for you and all account holders.

You further agree that if you fail to report anyunauthorized signatures, alterations or forgeries in youraccount within 60 days of when we first send or make thestatement available, you cannot assert a claim against uson any items in that statement, and as between you and usthe loss will be entirely yours. This 60-day limitation iswithout regard to whether we used ordinary care. Thelimitation in this paragraph is in addition to that containedin the first paragraph of this section.

(17) Check Cashing. We may charge a fee for anyone thatdoes not have an account with us who is cashing a check,draft or other instrument written on your account. We mayalso require reasonable identification to cash such a check,draft or other instrument. We can decide what identificationis reasonable under the circumstances and such identificationmay be documentary or physical and may include collectinga thumbprint or fingerprint.

(18) Truncation, Substitute Checks, and Other CheckImages. If you truncate an original check and create asubstitute check, or other paper or electronic image of the

Your Duty to Report Other Errors. In addition to yourduty to review your statements for unauthorizedsignatures, alterations and forgeries, you agree toexamine your statement with reasonable promptness forany other error - such as an encoding error. In addition,if you receive or we make available either your items orimages of your items, you must examine them for anyunauthorized or missing indorsements or any otherproblems. You agree that the time you have to examineyour statement and items and report to us will depend onthe circumstances. However, this time period shall notexceed 60 days. Failure to examine your statement anditems and report any errors to us within 60 days of whenwe first send or make the statement available precludesyou from asserting a claim against us for any errors onitems identified in that statement and as between you andus the loss will be entirely yours.

(13) Direct Deposits. If we are required for any reason toreimburse the federal government for all or any portion of abenefit payment that was directly deposited into youraccount, you authorize us to deduct the amount of ourliability to the federal government from the account or fromany other account you have with us, without prior notice andat any time, except as prohibited by law. We may also useany other legal remedy to recover the amount of ourliability.

future. If this account is owned by one or more of you asindividuals, we may set off any funds in the account againsta due and payable debt a partnership owes us now or in thefuture, to the extent of your liability as a partner for thepartnership debt. If your debt arises from a promissory note,then the amount of the due and payable debt will be the fullamount we have demanded, as entitled under the terms ofthe note, and this amount may include any portion of thebalance for which we have properly accelerated the due date.

This right of setoff does not apply to this account ifprohibited by law. For example, the right of setoff does notapply to this account if: (a) it is an Individual RetirementAccount or similar tax-deferred account, or (b) the debt iscreated by a consumer credit transaction under a credit cardplan (but this does not affect our rights under any consensualsecurity interest), or (c) the debtor' s right of withdrawalonly arises in a representative capacity, or (d) the debt iscreated by a home equity loan, or (e) setoff is prohibited bythe Military Lending Act or its implementing regulations.We will not be liable for the dishonor of any check when thedishonor occurs because we set off a debt against thisaccount. You agree to hold us harmless from any claimarising as a result of our exercise of our right of setoff.

Errors Relating to Electronic Fund Transfers orSubstitute Checks (For consumer accounts only). Forinformation on errors relating to electronic fund transfers(e.g., computer, debit card or ATM transactions) refer toyour Electronic Fund Transfers disclosure and thesections on consumer liability and error resolution. Forinformation on errors relating to a substitute check youreceived, refer to your disclosure entitled SubstituteChecks and Your Rights.

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(20) Unlawful Internet Gambling Notice. Restrictedtransactions as defined in Federal Reserve Regulation GGare prohibited from being processed through this account orrelationship. Restricted transactions generally include, butare not limited to, those in which credit, electronic fundtransfers, checks, or drafts are knowingly accepted bygambling businesses in connection with the participation byothers in unlawful Internet gambling.

(23) Restrictive Legends or Indorsements. Theautomated processing of the large volume of checks wereceive prevents us from inspecting or looking for restrictivelegends, restrictive indorsements or other special instructionson every check. Examples of restrictive legends placed onchecks are "must be presented within 90 days" or "not validfor more than $1,000.00." The payee' s signatureaccompanied by the words "for deposit only" is an exampleof a restrictive indorsement. For this reason, we are notrequired to honor any restrictive legend or indorsement orother special instruction placed on checks you write unlesswe have agreed in writing to the restriction or instruction.Unless we have agreed in writing, we are not responsible forany losses, claims, damages, or expenses that result fromyour placement of these restrictions or instructions on yourchecks.

(22) Facsimile Signatures. Unless you make advancearrangements with us, we have no obligation to honorfacsimile signatures on your checks or other orders. If we doagree to honor items containing facsimile signatures, youauthorize us, at any time, to charge you for all checks,drafts, or other orders, for the payment of money, that aredrawn on us. You give us this authority regardless of bywhom or by what means the facsimile signature(s) may havebeen affixed so long as they resemble the facsimile signaturespecimen filed with us, and contain the required number ofsignatures for this purpose. You must notify us at once ifyou suspect that your facsimile signature is being or hasbeen misused.

(21) ACH and Wire Transfers. This agreement is subjectto Article 4A of the Uniform Commercial Code - FundTransfers as adopted in the state in which you have youraccount with us. If you originate a fund transfer and youidentify by name and number a beneficiary financialinstitution, an intermediary financial institution or abeneficiary, we and every receiving or beneficiary financialinstitution may rely on the identifying number to makepayment. We may rely on the number even if it identifies a

(24) Account Transfer. This account may not betransferred or assigned without our prior written consent.

(25) Indorsements. We may accept for deposit any itempayable to you or your order, even if they are not indorsedby you. We may give cash back to any one of you. We maysupply any missing indorsement(s) for any item we acceptfor deposit or collection, and you warrant that allindorsements are genuine.

You warrant and agree to the following for every remotelycreated check we receive from you for deposit or collection:(1) you have received express and verifiable authorization tocreate the check in the amount and to the payee that appearson the check; (2) you will maintain proof of theauthorization for at least 2 years from the date of theauthorization, and supply us the proof if we ask; and (3) if acheck is returned you owe us the amount of the check,regardless of when the check is returned. We may takefunds from your account to pay the amount you owe us, andif there are insufficient funds in your account, you still oweus the remaining balance.

To ensure that your check or share draft is processedwithout delay, you must indorse it (sign it on the back) in aspecific area. Your entire indorsement (whether a signature

original check, you warrant that no one will be asked tomake payment on the original check, a substitute check orany other electronic or paper image, if the paymentobligation relating to the original check has already beenpaid. You also warrant that any substitute check you createconforms to the legal requirements and generally acceptedspecifications for substitute checks. You agree to retain theoriginal check in conformance with our internal policy forretaining original checks. You agree to indemnify us for anyloss we may incur as a result of any truncated checktransaction you initiate. We can refuse to accept substitutechecks that have not previously been warranted by a bank orother financial institution in conformance with the Check 21Act. Unless specifically stated in a separate agreementbetween you and us, we do not have to accept any otherelectronic or paper image of an original check.

(19) Remotely Created Checks. Like any standard checkor draft, a remotely created check (sometimes called atelecheck, preauthorized draft or demand draft) is a check ordraft that can be used to withdraw money from an account.Unlike a typical check or draft, however, a remotely createdcheck is not issued by the paying bank and does not containthe signature of the account owner (or a signature purportedto be the signature of the account owner). In place of asignature, the check usually has a statement that the ownerauthorized the check or has the owner' s name typed orprinted on the signature line.

financial institution, person or account other than the onenamed. You agree to be bound by automated clearing houseassociation rules. These rules provide, among other things,that payments made to you, or originated by you, areprovisional until final settlement is made through a FederalReserve Bank or payment is otherwise made as provided inArticle 4A-403(a) of the Uniform Commercial Code. If wedo not receive such payment, we are entitled to a refundfrom you in the amount credited to your account and theparty originating such payment will not be considered tohave paid the amount so credited. Credit entries may bemade by ACH. If we receive a payment order to credit anaccount you have with us by wire or ACH, we are notrequired to give you any notice of the payment order orcredit.

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(28) Credit Verification. You agree that we may verifycredit and employment history by any necessary means,including preparation of a credit report by a credit reportingagency.

(29) Legal Actions Affecting Your Account. If we areserved with a subpoena, restraining order, writ ofattachment or execution, levy, garnishment, search warrant,or similar order relating to your account (termed "legalaction" in this section), we will comply with that legalaction. Or, in our discretion, we may freeze the assets in theaccount and not allow any payments out of the account untila final court determination regarding the legal action. Wemay do these things even if the legal action involves lessthan all of you. In these cases, we will not have any liabilityto you if there are insufficient funds to pay your itemsbecause we have withdrawn funds from your account or inany way restricted access to your funds in accordance withthe legal action. Any fees or expenses we incur inresponding to any legal action (including, without limitation,attorneys' fees and our internal expenses) may be chargedagainst your account. The list of fees applicable to youraccount(s) provided elsewhere may specify additional feesthat we may charge for certain legal actions.

(27) Fiduciary Accounts. Accounts may be opened by aperson acting in a fiduciary capacity. A fiduciary is someone

(26) Death or Incompetence. You agree to notify uspromptly if any person with a right to withdraw funds fromyour account(s) dies or is adjudicated (determined by theappropriate official) incompetent. We may continue to honoryour checks, items, and instructions until: (a) we know ofyour death or adjudication of incompetence, and (b) we havehad a reasonable opportunity to act on that knowledge. Youagree that we may pay or certify checks drawn on or beforethe date of death or adjudication of incompetence for up toten (10) days after your death or adjudication ofincompetence unless ordered to stop payment by someoneclaiming an interest in the account.

It is important that you confine the indorsement informationto this area since the remaining blank space will be used byothers in the processing of the check to place additionalneeded indorsements and information. You agree that youwill indemnify, defend, and hold us harmless for any loss,liability, damage or expense that occurs because yourindorsement, another indorsement, or information you haveprinted on the back of the check obscures our indorsement.These indorsement guidelines apply to both personal andbusiness checks.

(30) Security. It is your responsibility to protect theaccount numbers and electronic access devices (e.g., anATM card) we provide you for your account(s). Do notdiscuss, compare, or share information about your accountnumber(s) with anyone unless you are willing to give themfull use of your money. An account number can be used bythieves to issue an electronic debit or to encode your numberon a false demand draft which looks like and functions likean authorized check. If you furnish your access device andgrant actual authority to make transfers to another person (afamily member or coworker, for example) who then exceedsthat authority, you are liable for the transfers unless we havebeen notified that transfers by that person are no longerauthorized. Your account number can also be used toelectronically remove money from your account, andpayment can be made from your account even though youdid not contact us directly and order the payment. You mustalso take precaution in safeguarding your blank checks.Notify us at once if you believe your checks have been lostor stolen. As between you and us, if you are negligent insafeguarding your checks, you must bear the loss entirelyyourself or share the loss with us (we may have to share

or a stamp) along with any other indorsement information(e.g., additional indorsements, ID information, driver' slicense number, etc.) must fall within 1 1/2" of the "trailingedge" of a check. Indorsements must be made in blue orblack ink, so that they are readable by automated checkprocessing equipment.

As you look at the front of a check, the "trailing edge" is theleft edge. When you flip the check over, be sure to keep allindorsement information within 1 1/2" of that edge.

who is appointed to act on behalf of and for the benefit ofanother. We are not responsible for the actions of afiduciary, including the misuse of funds. This account maybe opened and maintained by a person or persons named asa trustee under a written trust agreement, or as executors,administrators, or conservators under court orders. Youunderstand that by merely opening such an account, we arenot acting in the capacity of a trustee in connection with thetrust nor do we undertake any obligation to monitor orenforce the terms of the trust or letters.

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(34) Early Withdrawal Penalties (and involuntarywithdrawals). We may impose early withdrawal penalties ona withdrawal from a time account even if you don' t initiatethe withdrawal. For instance, the early withdrawal penaltymay be imposed if the withdrawal is caused by our setoffagainst funds in the account or as a result of an attachmentor other legal process. We may close your account andimpose the early withdrawal penalty on the entire accountbalance in the event of a partial early withdrawal. See yournotice of penalty for early withdrawals for additionalinformation.

Your consent does not authorize us to contact you fortelemarketing purposes (unless you otherwise agreedelsewhere).

(35) Address or Name Changes. You are responsible fornotifying us of any change in your address or your name.Unless we agree otherwise, change of address or name mustbe made in writing by at least one of the account holders.Informing us of your address or name change on a checkreorder form is not sufficient. We will attempt tocommunicate with you only by use of the most recentaddress you have provided to us. If provided elsewhere, wemay impose a service fee if we attempt to locate you.

(36) Resolving Account Disputes. We may place anadministrative hold on the funds in your account (refusepayment or withdrawal of the funds) if it becomes subject toa claim adverse to (1) your own interest; (2) others claimingan interest as survivors or beneficiaries of your account; or(3) a claim arising by operation of law. The hold may beplaced for such period of time as we believe reasonably

If necessary, you may change or remove any of thetelephone numbers or email addresses at any time using anyreasonable means to notify us.

}

Your consent is limited to your account, and asauthorized by applicable law and regulations.

}

To provide you with the best possible service in our ongoingbusiness relationship for your account we may need tocontact you about your account from time to time bytelephone, text messaging or email. However, we must firstobtain your consent to contact you about your accountbecause we must comply with the consumer protectionprovisions in the federal Telephone Consumer ProtectionAct of 1991 (TCPA), CAN-SPAM Act and their relatedfederal regulations and orders issued by the FederalCommunications Commission (FCC).

This consent is regardless of whether the number we use tocontact you is assigned to a landline, a paging service, acellular wireless service, a specialized mobile radio service,other radio common carrier service or any other service forwhich you may be charged for the call. You further

authorize us to contact you through the use of voice, voicemail and text messaging, including the use of pre-recordedor artificial voice messages and an automated dialing device.

(32) Monitoring and Recording Telephone Calls andConsent to Receive Communications. Subject to federaland state law, we may monitor or record phone calls forsecurity reasons, to maintain a record and to ensure that youreceive courteous and efficient service. You consent inadvance to any such recording.

(31) Telephonic Instructions. Unless required by law orwe have agreed otherwise in writing, we are not required toact upon instructions you give us via facsimile transmissionor leave by voice mail or on a telephone answering machine.

(33) Claim of Loss. If you claim a credit or refundbecause of a forgery, alteration, or any other unauthorizedwithdrawal, you agree to cooperate with us in theinvestigation of the loss, including giving us an affidavitcontaining whatever reasonable information we requireconcerning your account, the transaction, and thecircumstances surrounding the loss. You will notify lawenforcement authorities of any criminal act related to theclaim of lost, missing, or stolen checks or unauthorizedwithdrawals. We will have a reasonable period of time toinvestigate the facts and circumstances surrounding anyclaim of loss. Unless we have acted in bad faith, we will notbe liable for special or consequential damages, includingloss of profits or opportunity, or for attorneys' fees incurredby you. You agree that you will not waive any rights youhave to recover your loss against anyone who is obligated torepay, insure, or otherwise reimburse you for your loss.You will pursue your rights or, at our option, assign them tous so that we may pursue them. Our liability will be reducedby the amount you recover or are entitled to recover fromthese other sources.

Except for consumer electronic funds transfers subject toRegulation E, you agree that if we offer you servicesappropriate for your account to help identify and limit fraudor other unauthorized transactions against your account,such as positive pay or commercially reasonable securityprocedures, and you reject those services, you will beresponsible for any fraudulent or unauthorized transactionswhich could have been prevented by the services we offered,unless we acted in bad faith or to the extent our negligencecontributed to the loss. If we offered you a commerciallyreasonable security procedure which you reject, you agreethat you are responsible for any payment order, whetherauthorized or not, that we accept in compliance with analternative security procedure that you have selected.

some of the loss if we failed to use ordinary care and if wesubstantially contributed to the loss).

With the above understandings, you authorize us to contactyou regarding your account throughout its existence usingany telephone numbers or email addresses that you havepreviously provided to us or that you may subsequentlyprovide to us.

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(38) Additional Terms.

necessary to allow a legal proceeding to determine the meritsof the claim or until we receive evidence satisfactory to usthat the dispute has been resolved. We will not be liable forany items that are dishonored as a consequence of placing ahold on funds in your account for these reasons.

(37) Waiver of Notices. To the extent permitted by law,you waive any notice of non-payment, dishonor or protestregarding any items credited to or charged against youraccount. For example, if you deposit a check and it isreturned unpaid or we receive a notice of nonpayment, wedo not have to notify you unless required by federalRegulation CC or other law.

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STRONGER . TOGETHER · 12 13 DATE TIME (CST) EVENT FRIDAY, NOVEMBER 30, 2018 Bill Pay and Online Banking registration deactivated. WEDNESDAY, DECEMBER 5, 2018 Scheduled recurring

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