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ACCOUNT AGREEMENT MONEY MARKET ACCOUNT Bay Bay Commercial Bank _: Commercial 500 Ygnacio Valley Road,Suite 200 Bank Walnut Creek,CA 94596 (925)476-1800 www.BayCommercialBank.com ACCOUNT TITLE AND ADDRESS =WI v � 1 ^� WNW Business Money Market $0.00 DEFINITIONS.Throughout this Agreement,the terms"you,""your,"and°account owner"refer to the client named on the account,and the terms"we,""our,"and"us"refer to the Bank,Bay Commercial Bank. GENERAL AGREEMENT.You understand that the following Account Agreement("Agreement")governs your Money Market account with us,along with any other documents applicable to your account,such as but not limited to,our Funds Availability Policy,and Schedule of Fees and Charges("Disclosures"),all of which are incorporated herein by reference.You would also have received a copy of our Privacy Policy,if a copy was not previously provided to you.You understand that your account is also governed by applicable law.The information found in the Disclosures may change from time to time in our sole discretion.If the fees,charges,minimum balance requirements,or other items change in a manner that would adversely affect you,we will provide you with written notice prior to the change.By providing a written or electronic signature on the Account Information document or other agreement to open your account,or by using any of our deposit account services,you and any identified account owners agree to the terms contained in this Account Agreement. YOUR CHOICE OF ACCOUNT.You have instructed us as to the title and type of the account that you have chosen.You acknowledge that it is your sole responsibility to determine the full legal effect of opening and maintaining the type of account you have chosen.We have not set forth all laws that may impact your chosen account.You must determine whether the account you select is appropriate for your current and future needs.Except as required by law,we assume no legal responsibility to inform you as to the effect of your account choice on your legal interests. BUSINESS ACCOUNTS.Business accounts are those established by any partnership,corporation,association or other entity operated on a for-profit basis; all corporations and associations operated on a not-for-profit-basis; and any individual who intends to use the account for carrying on a trade or business.We reserve the right to require separate written authorization,in a form acceptable to us,telling us who is authorized to act on your behalf. We are authorized to follow the directions of a person designated as having authority to act on the entity's behalf until we receive written notice that the authority has been terminated and have had a reasonable time to act upon that notice. ADDITIONAL DOCUMENTS TO OPEN ACCOUNT. You agree to supply us with a copy of any chartering document, Operating Agreement,or related documents requested by us. ESCROW,TRUST, FIDUCIARY AND CUSTODIAL ACCOUNTS. When your account is set up as an escrow account,trust account, fiduciary account or custodial account,it is your sole responsibility to determine the legal effects of opening and maintaining an account of this nature.We have no obligation to act as trustee or to inquire into your powers or responsibilities over this account.We reserve the right to require the documentation necessary under applicable law to establish,maintain,manage,and close this account.There may be additional terms and conditions that apply to this account that are governed by a separate agreement. TRANSFERS AND ASSIGNMENTS.We may assign or transfer any or all of our interest in this account.You cannot assign or transfer any interest in your account unless we agree in writing. ACCESS LIMITATIONS.You understand that we will not allow more preauthorized transfers than the maximum number specified in the Disclosures.A preauthorized transfer is a transfer of funds from this account to make payment to a third party by means of a preauthorized or telephone agreement,order or instruction. Federal regulations require compliance with these restrictions.We may be required to close your account,take away your ability to transfer funds,or convert the account to a checking or other transaction account if these restrictions are violated. RESTRICTIVE LEGENDS.We are not required to honor any restrictive legend on checks you write unless we have agreed to the restriction in a writing signed by an officer of the Bank.Examples of restrictive legends are"two signatures required","must be presented within 90 days" or"not valid for more than$1,000.00." STALE OR POSTDATED CHECKS.We reserve the right to pay or dishonor a check more than six(6)months old without prior notice to you.If you can write checks on your account,you agree not to postdate any check drawn on the account.If you do,and the check is presented C 2001.2014 Compliance Systems,Inc.52985c3d.61607B51-20101.0.636 Accamt Mammas-Matey Marisa Ammo DD8001 Pegs I of S wwwctomplimamaystemAcem