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YOUR WAIVER OF NOTICE.By signing the New Account Information form,you waive any notice of non-payment,dishonor or protest <br /> regarding any items credited to or charged against your deposit account.For example,if a check that you deposited is dishonored and returned to <br /> us,we are not required to notify you of the dishonor. <br /> NOTICE.You are responsible for notifying us of any change to the name,type or address of your entity or other information affecting your <br /> account.Notices must be in a form and manner acceptable to us with enough information to allow us to identify the account.Written notice sent <br /> by us to you is effective when mailed to the last address supplied. <br /> AMENDMENTS AND ALTERATIONS.You agree that the terms and conditions governing your account may be amended by us from time <br /> to time.We will notify you of amendments as required by applicable law.Your continued use of the account evidences your agreement to any <br /> amendments.Notices will be sent to the most recent address shown on the account records. <br /> EFFECTIVE APPLICABLE LAWS AND REGULATIONS.You understand that this Agreement is governed by the laws of California, <br /> except to the extent that federal law is controlling. Changes in these laws and regulations may modify the terms and conditions of your <br /> account(s).We do not have to notify you of these changes,unless required to do so by law.If any of the terms of this Agreement come into <br /> conflict with the applicable law and are declared to be invalid or unenforceable, those terms will be nullified to the extent that they are <br /> inconsistent with the law and the applicable law will govern.However,this shall not affect the validity of the remaining provisions. <br /> NOTICE OF POTENTIAL DISCLOSURE OF NEGATIVE INFORMATION TO CONSUMER REPORTING <br /> AGENCIES <br /> This notice is being furnished pursuant to the Fair Credit Reporting Act(15 U.S.C. 1681)as <br /> amended by the Fair and Accurate Credit Transactions Act of 2003(FACT Act). <br /> NOTICE <br /> We may report information about your account to credit bureaus. Late payments, missed payments, <br /> or other defaults on your account may be reflected in your credit report. <br /> 02001.2014 Compliance System Inc.52988c3d6a0785I.2014D15.636 <br /> ACM=Agreement-Money Market Account DD800I Page 5 of S www•contptInnceystemcmm <br />