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for payment before the date of the check,we may pay it or return it unpaid.We are not liable for paying any stale or postdated check.Any damages you incur that we may be liable for are limited to actual damages not to exceed the amount of the check. PREAUTHORIZED CHECKS OR DRAFTS.You should guard information about your account(such as your routing number and your account number)as carefully as you would guard blank checks.If you voluntarily give such information about your account to a party which is seeking to sell you goods or services, without physically delivering a check to that party,any debit to or withdrawal from your account it initiates will be deemed authorized by you. VERIFYING FUNDS AVAILABILITY FOR CHECKS.You authorize us to release funds availability information about your account to individuals or merchants who represent to us that they have received a check from you. CHECK SAFEKEEPING.If you can write checks on your account and utilize a check safekeeping system or any other system offered by us for the retention of your checks,you understand that the canceled checks will be retained by us and destroyed after a reasonable time period or as required by law.Any request for a copy of any check may be subject to a fee,as indicated in the Schedule of Fees or Disclosures and as allowed by law.If for any reason we cannot provide you with a copy of a check,our liability will be limited to the lesser of the face amount of the check or the actual damages sustained by you. SUBSTITUTE CHECKS.To make check processing faster,federal law permits financial institutions to replace original checks with"substitute checks."These substitute checks are similar in size to the original items with a slightly reduced image of the front and back of the original item. The front of a substitute check states:"This is a legal copy of your check.You can use it the same way you would use the original check."You may use a substitute check as proof of payment just like the original item.Some or all of the items that you receive back from us may be substitute checks. WITHDRAWALS.Deposits will be available for withdrawal consistent with the terms of the Disclosures.Withdrawals may be subject to a service charge. DEPOSITS.Deposits may be made in person,by mail,or in another form and manner as agreed by us in our sole discretion.We are not responsible for transactions mailed until we actually receive and record them. We may in our sole discretion refuse to accept particular instruments as a deposit to your account Cash deposits are credited to your account according to this Agreement Other items you deposit are handled by us according to our usual collection practices.If an item you deposit is returned unpaid,we will debit your account for the item and adjust any interest earned.You are liable to us for the amount of any check you deposit to your account that is returned unpaid and all costs and expenses related to the collection of all or part of such amount from you. Funds deposited to your account, excluding any Time Deposit accounts,are available in accordance with the Disclosures. COLLECTION OF DEPOSITED ITEMS.In receiving items for deposit or collection,we act only as your agent and assume no responsibility beyond the exercise of ordinary care.All items are credited subject to final settlement in cash or credits.We shall have the right to forward items to correspondents including all Federal Reserve Banks,and we shall not be liable for default or neglect of said correspondents for loss in transit, nor shall any correspondent be liable except for its own negligence. You specifically authorize us or our correspondents to utilize Federal Reserve Banks to handle such items in accordance with provisions of Regulation J(12 CFR Part 210),as revised or amended from time to time by the Federal Reserve Board.In the event we are subject to local clearinghouse rules,you specifically authorize us to handle such items in accordance with the rules and regulations of the clearinghouse. If we permit you to withdraw funds from your account before final settlement has been made for any deposited item,and final settlement is not made,we have the right to charge your account or obtain a refund from you.In addition,we may charge back any deposited item at any time before final settlement for whatever reason.We shall not be liable for any damages resulting from the exercise of these rights.Except as may be attributable to our lack of good faith or failure to exercise ordinary care,we will not be liable for dishonor resulting from any reversal of credit, return of deposited items or for any damages resulting from any of those actions. REMOTELY CREATED CHECKS.A remotely created check,as defined in Regulation CC,means a check that is not created by the paying bank and that does not bear a signature applied,or purported to be applied,by the person on whose account the check is drawn.By having a deposit account with us,you certify that all remotely created checks deposited to your account(s)will be expressly and verifiably authorized by the payer.And we reserve the rights to refuse for deposit any such remotely created check if we have any reason to believe that the item is fraudulent in any manner and to obtain from you the payer's express,verifiable authorization for any such item. UNLAWFUL INTERNET GAMBLING. Restricted transactions are prohibited from being processed through your account with us as required by the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GO.A restricted transaction is a transaction or transmittal involving any credit,funds,instrument,or proceeds in connection with the participation of another person in unlawful Internet gambling. STATEMENTS.We will provide you with a periodic statement showing the account activity.The last address you supply us in writing will be deemed the proper address for mailing this statement to you.The account holder who receives this statement is the agent for his/her co-account holder(s)for purposes of receiving the statement and items. You must exercise reasonable care in reviewing your statement and reasonable promptness in notifying us of any discrepancies, such as alterations or forged or unauthorized signatures,even if by the same wrongdoer. Reasonable promptness will not exist if you fail to notify us within 14 days after we mail or otherwise make the statement available to you.If you fail to notify us of any discrepancies,with reasonable promptness,your right to assert such discrepancies will be barred or limited to the extent permitted by law. Additionally,you agree that we will not be liable for discrepancies reported to us after one year after we mail or otherwise make the statement or items available to you,even if we failed to exercise ordinary care.However,if the discrepancy is the result of an electronic fund transfer,the provisions of the Disclosures will control its resolution.If you do not receive a statement from us because you have failed to claim it or have supplied us with an incorrect address,we may stop sending your statements until you specifically make written request that we resume sending your statements and you supply us with a proper address. 02001.2014 Compliance Systems,ism 52965e3d 5007851-2014D1.0.636 Amami Apeeme t-Money MarketAmount DDS001 Pep 2ors wwersamptimmysmmemsm 111 111