Terms and Conditions of Your Account

Opening a New Account Problems

Important Terms for Accounts Where More (16) Temporary Account Agreement

Notice of Withdrawal (22) Unlawful Internet Gambling Notice

Ownership of Account and Beneficiary

Single-Party Account (25) Facsimile Signatures

Multiple-Party Account (26) Convenience Account Agent

Multiple-Party Account - Tenancy by the (27) Restrictive Legends or Indorsements

Rights at Death

and Methods of Access

Multiple-Party Account With Right of Positive Pay and Other Fraud Prevention

Survivorship and Pay-on-Death Designation

Business, Organization, and Association

Stop Payments

Your Duty to Report Unauthorized (42) Additional Terms

Signatures (Including Forgeries and

Counterfeit Checks) and Alterations on

Checks and Other Items

(1) Important Information about Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial

institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other

information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

(2) Agreement

This document, along with any other documents we give you pertaining to your account(s), is a contract (also referred to as

"this agreement") that establishes rules which control your account(s) with us. Please read this carefully and retain it for

future reference. If you open the account (whether in-person, electronically, or by any other method permitted by us) or

continue to use the account after receiving a notice of change or amendment, you agree to these rules. You will receive a

separate schedule of rates, qualifying balances, and fees if they are not included in this agreement. If you have any questions,

please ask us.

This agreement is subject to applicable federal laws, the laws of the state of Florida and other applicable rules such as the

operating letters of the Federal Reserve Banks and payment processing system rules (except to the extent that this agreement

can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is

too large and complex to be reproduced here. The purpose of this agreement is to:

3. establish rules for certain transactions or events which the law regulates but permits variation by agreement; and

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

If any provision of this agreement is found to be unenforceable according to its terms, all remaining provisions will continue

in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in

writing either on the signature card for your account or in some other document. Nothing in this agreement is intended to

vary our duty to act in good faith and with ordinary care when required by law.

be inconsistent to do so, words and phrases used in this agreement should be construed so the singular includes the plural and

the plural includes the singular.

"Party" means a person who, by the terms of an account, has a present right, subject to request, to payment from the account

other than as a beneficiary or agent.

(3) Liability

account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by

this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or

overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and we can

deduct any amounts deposited into the account and apply those amounts to the shortage. You have no right to defer payment

of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft.

You will be liable for our costs as well as for our reasonable attorneys' fees, to the extent permitted by law, whether incurred

as a result of collection or in any other dispute involving your account. This includes, but is not limited to, disputes between

account. This also includes any action that you or a third party takes regarding the account that causes us, in good faith, to

(4) Deposits

We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including

items drawn "on us"). Before settlement of any item becomes final, we act only as your agent, regardless of the form of

indorsement or lack of indorsement on the item and even though we provide you provisional credit for the item. We may

reverse any provisional credit for items that are lost, stolen, or returned. Unless prohibited by law, we also reserve the right

to charge back to your account the amount of any item deposited to your account or cashed for you which was initially paid

by the payor bank and which is later returned to us due to an allegedly forged, unauthorized or missing indorsement, claim of

alteration, encoding error, counterfeit cashier's check or other problem which in our judgment justifies reversal of credit.

You authorize us to attempt to collect previously returned items without giving you notice, and in attempting to collect we

(5) Withdrawals

Important Terms for Accounts Where More Than One Person Can Withdraw. Unless clearly indicated otherwise

on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may

withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the

contrary) authorizes each other person who signs or has authority to make withdrawals to indorse any item payable to you

or your order for deposit to this account or any other transaction with us.

Postdated Checks. A postdated check is one which bears a date later than the date on which the check is written. We

may properly pay and charge your account for a postdated check even though payment was made before the date of the

check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. Because we

process checks mechanically, your notice will not be effective and we will not be liable for failing to honor your notice

unless it precisely identifies the number, date, amount and payee of the item.

Checks and Withdrawal Rules. If you do not purchase your check blanks from us, you must be certain that we approve

the check blanks you purchase. We may refuse any withdrawal or transfer request which you attempt on forms not

approved by us or by any method we do not specifically permit. We may refuse any withdrawal or transfer request which

Even if we honor a nonconforming request, we are not required to do so later. If you violate the stated transaction

an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item.

of cash may pose a danger to your personal safety. As an alternative to making a large cash withdrawal, you may want to

consider a cashier's check or similar instrument. You assume full responsibility of any loss in the event the cash you

to withdraw funds in the form of cash.

(5) Withdrawals, Continued

Electronic Fund Transfers regulation. In these types of transactions the check or similar item is either removed from

circulation (truncated) or given back to you. As a result, we have no opportunity to review the signatures or otherwise

examine the original check or item. You agree that, as to these or any items as to which we have no opportunity to

examine the signatures, you waive any requirement of multiple signatures.

Notice of Withdrawal. We reserve the right to require not less than 7 days' notice in writing before each withdrawal

from an interest-bearing account, other than a time deposit or demand deposit, or from any other savings deposit as

defined by Regulation D. (The law requires us to reserve this right, but it is not our general policy to use it.) Withdrawals

(6) Ownership of Account and Beneficiary Designation

These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the

account records. We reserve the right to refuse some forms of ownership and beneficiary designations on any or all of our

accounts unless otherwise prohibited by law. We make no representations as to the appropriateness or effect of the ownership

and beneficiary designations, except as they determine to whom we pay the account funds.

Single-Party Account. Such an account is owned by one party.

Multiple-Party Account. Such an account is payable on request to one or more of two or more parties, whether or not a

right of survivorship is mentioned.

other and hold the account as tenants by the entirety.

(7) Rights at Death

Single-Party Account. At the death of a party, ownership passes as part of the party's estate.

Multiple-Party Account With Right of Survivorship. At death of party, ownership passes to the surviving party or

Single-Party Account With Pay-on-Death Designation. At death of the party, ownership passes to the designated

pay-on-death beneficiaries and is not part of the party's estate.

party, ownership passes to the designated pay-on-death beneficiaries and is not part of the last surviving party's estate.

(8) Business, Organization, and Association Accounts

Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law

or our policy. You represent that you have the authority to open and conduct business on this account on behalf of the entity.

(9) Stop Payments

The rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other

types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have

not disclosed these rules to you elsewhere, you may ask us about those rules.

We may accept an order to stop payment on any item from any one of you. You must make any stop-payment order in the

manner required by law, it must be made in a signed and dated writing, and we must receive it in time to give us a reasonable

opportunity to act on it before our stop-payment cutoff time. Because the most effective way for us to execute a stop-payment

order is by using an automated process, to be effective, your stop-payment order must precisely identify the number, date,

and amount of the item, and the payee.

If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify

us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder

Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we

receive the item. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash

or we certified the item).

made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Limitations on

the number of telephonic transfers from a savings account, if any, are described elsewhere.

We may amend or delete any term of this agreement. We may also add new terms to this agreement. In addition, we may

suspend, modify, convert, or terminate a service, convert this account to another account type, or close this account for any

reason. For any of these types of changes, we will give you reasonable notice in writing by any reasonable method including

Reasonable notice depends on the circumstances, and in some cases, such as when we cannot verify your identity or we

prevent further fraud, we might immediately freeze or close your account and then give you notice.

Unless otherwise indicated in the notice of change, if we have notified you of a change to your account, and you continue to

to be aware.

We reserve the right to waive any term of this agreement. However, such waiver shall not affect our right to enforce the term

at a later date.

If you request that we close your account, you are responsible for leaving enough money in the account to cover any

(11) Amendments and Termination, Continued

close the account and tender the account balance, if any, to you or your agent personally, by mail, or by another agreed upon

Any items and transactions presented for payment after the account is closed may be dishonored. Any deposits we receive

after the account is closed may be returned. We will not be liable for any damages for not honoring any such debits or

deposits received after the account is closed.

Note: Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another

document. In addition, for changes governed by a specific law or regulation, we will follow the specific timing and format

(12) Correction of Clerical Errors

agreement with you. For errors on your periodic statement, please refer to the Statements section.

(13) Notices

Any written notice you give us is effective when we actually receive it, and it must be given to us according to the specific

delivery instructions provided elsewhere, if any. We must receive any notice in time to have a reasonable opportunity to act

on it. If a notice is regarding a check or other item, you must give us sufficient information to be able to identify the check or

item, including the precise check or item number, amount, date and payee. Notice we give you via the United States Mail is

currently have on file. Notice we give you through your email of record, or other electronic method to which you agreed,

will be treated as delivered to you when sent. Notice to any of you is notice to all of you.

Your Duty to Report Unauthorized Signatures (Including Forgeries and Counterfeit Checks) and Alterations

on Checks and Other Items. You must examine your statement of account with "reasonable promptness." If you

discover (or reasonably should have discovered) any unauthorized signatures (including forgeries and counterfeit checks)

when we first send or make the statement available, you cannot assert a claim against us on any items in that statement,

Your Duty to Report Other Errors or Problems. In addition to your duty to review your statements for unauthorized

- such as an encoding error or an unexpected deposit amount. Also, if you receive or we make available either your items

(14) Statements, Continued

However, this time period shall not exceed 60 days. Failure to examine your statement and items and report any errors to

us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us

for any errors on items identified in that statement and as between you and us the loss will be entirely yours.

Errors Relating to Electronic Fund Transfers or Substitute Checks (For consumer accounts only). For information

on errors relating to electronic fund transfers (e.g., online, mobile, debit card or ATM transactions) refer to your

Electronic Fund Transfers disclosure and the sections on consumer liability and error resolution. For information on errors

relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights.

(15) Reimbursement of Federal Benefit Payments

If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was

directly deposited into your account, you authorize us to deduct the amount of our liability to the federal government from

the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law.

We may also use any other available legal remedy to recover the amount of our liability.

(16) Temporary Account Agreement

we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements

we have imposed within a reasonable time.

(17) Setoff

We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt

of the balance for which we have properly accelerated the due date.

account if: (a) it is an Individual Retirement Account or similar tax-deferred account, or (b) the debt is created by a consumer

credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c)

the debtor's right of withdrawal only arises in a representative capacity. We will not be liable for the dishonor of any check

when the dishonor occurs because we set off a debt against this account. You agree to hold us harmless from any claim

(18) Check Processing, Continued

signed and indorsed or to determine if it contains any information other than what is encoded in magnetic ink. You agree that

we have exercised ordinary care if our automated processing is consistent with general banking practice, even though we do

not inspect each item. Because we do not inspect each item, if you write a check to multiple payees, we can properly pay the

check regardless of the number of indorsements unless you notify us in writing that the check requires multiple indorsements.

We must receive the notice in time for us to have a reasonable opportunity to act on it, and you must tell us the precise date

of the check, amount, check number and payee. We are not responsible for any unauthorized signature or alteration that

would not be identified by a reasonable inspection of the item. Using an automated process helps us keep costs down for you

and all account holders.

We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument

written on your account. We may also require reasonable identification to cash a check, draft or other instrument. We can

(20) Truncation, Substitute Checks, and Other Check Images

If you truncate an original check and create a substitute check, or other paper or electronic image of the original check, you

warrant that no one will be asked to make payment on the original check, a substitute check or any other electronic or paper

specifically stated in a separate agreement between you and us, we do not have to accept any other electronic or paper image

of an original check.

(21) Remotely Created Checks

Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand

draft) is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a

remotely created check is not issued by the paying bank and does not contain the signature of the account owner (or a

signature purported to be the signature of the account owner). In place of a signature, the check usually has a statement that

the owner authorized the check or has the owner's name typed or printed on the signature line.

You warrant and agree to the following for every remotely created check we receive from you for deposit or collection:

(1) you have received express and verifiable authorization to create the check in the amount and to the payee that appears on

the check; (2) you will maintain proof of the authorization for at least 2 years from the date of the authorization, and supply

us the proof if we ask; and (3) if a check is returned you owe us the amount of the check, regardless of when the check is

(22) Unlawful Internet Gambling Notice

(22) Unlawful Internet Gambling Notice, Continued

transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in

unlawful Internet gambling.

(23) ACH and Wire Transfers

This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which

you have your account with us. If you originate a fund transfer and you identify by name and number a beneficiary financial

may be made by ACH. If we receive a payment order to credit an account you have with us by wire or ACH, we are not

required to give you any notice of the payment order or credit.

Financial institutions are required by law to scrutinize or verify any international ACH transaction (IAT) that they receive

against the Specially Designated Nationals (SDN) list of the Office of Foreign Assets Control (OFAC). This action may,

from time to time, cause us to temporarily suspend processing of an IAT and potentially affect the settlement and/or

Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks or other

orders. If we do agree to honor items containing facsimile signatures, you authorize us, at any time, to charge you for all

checks, drafts, or other orders, for the payment of money, that are drawn on us. You give us this authority regardless of by

whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature

specimen filed with us, and contain the required number of signatures for this purpose. You must notify us at once if you

A convenience account, as defined by Florida law, means a deposit account other than a certificate of deposit, in the name of

one individual, in which one or more individuals have been designated as agent with the right to make deposits to and

withdraw funds from or draw checks on such account on the owner's behalf. A single individual is the owner, and the agent

is merely designated to conduct transactions on the owner's behalf. The owner does not give up any rights to act on the

to monitor transactions to determine that they are on the owner's behalf. The owner may terminate the agency at any time,

and the agency is automatically terminated by the death of the owner. However, we may continue to honor the transactions of

reasonable opportunity to act on that notice or knowledge. We may refuse to accept the designation of a convenience account