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Chase Bank Account Rules and Regulations 12-31-08

Rules and regulations for checking, savings, debit accounts along with overdraft protection and privacy policies.

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100% found this document useful (1 vote)
3K views34 pages

Chase Bank Account Rules and Regulations 12-31-08

Rules and regulations for checking, savings, debit accounts along with overdraft protection and privacy policies.

Uploaded by

wps013
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
You are on page 1/ 34

,lur,

114( ACCOUNT RULES


AND REGULATIONS

I
I YOUR GUIDE TO:
CHECKING
:I:

L ,
TATES OF DEPOSIT
OVERDRAFT PROTECTION
PRIVACY POLICY
Welcome to Chase
Thank you for opening your new account. We want to make it easy for you to bank with us, whenever and wher-
ever you choose. Our 3,000-plus Chase branches in 17 states and over 14,000 Chase and WaMu ATMs nation-
wide, combined with online banking, bill payment, Chase Mobile S M and account alerts on Chase.com , help
make sure you're never far from your money.

About this guide


This guide contains the following three sections. Please review this information and keep 'rt with your records.

1. Helpful Information for Managing Your Account


In this section you'll find information about our banking options, as well as steps you can take to help pre-
vent fees and get the most out of your account.

2. Deposit Account Agreement


The second section is your Deposit Account Agreement, or contract, with us.

The Deposit Account Agreement also includes the following disclosures (which are separate documents
we provided to you) that apply to our personal and business accounts:
• Rates for interest bearing accounts
• Personal accounts:
Additional Banking Services and Fees
Funds Availability Policy for Personal Accounts
Personal account products
• Business accounts:
Additional Banking Services and Fees
Business account products
Business Deposit Express Fees and Agreement
Funds Availability Policy for Business Accounts
• Any additional disclosures such as amendments or agreements that we will provide to you, either when
you open your account or if we change the terms and conditions of your account

3. Chase Privacy Policy


The Chase Privacy Policy explains what we do to keep information about you private and secure.
Table of Contents
Section I: Helpful Information for Managing Your Account
Important Customer Responsibilities 2
• Manage Your Account
• Update Your Personal Information
• Review Your Statement
• Safeguard Your Information
Your Banking Options 3
• Branches
• ATMs
• Chase Online'
• Chase by Phone
• Chase Mobiles"
• Chase by Mail
Deposits 3
• Direct Deposits
• Funds Availability
Withdrawals from Your Checking or Savings Account 4
• Writing a Check
• Posting Order
• Insufficient Funds
• Overdraft Protection
• Stop Payments
• Withdrawal Limitations on Your Savings Account
Debit Cards 5
Important Information About ATM Safety 6
Certificates of Deposit and Retirement Certificates of Deposit 7
• Automatically Renewable CD
• Single Maturity CD
• Term
• Maturity Date
• Grace Period
• Interest Rate
• CD Special Interest Rate
Personal Information at Account Opening 7
Inactive and Unclaimed Accounts 7
Spanish Language Preference 7

Section II: Deposit Account Agreement


General Account Terms and Conditions 8
Check 21— Substitute Checks and Your Rights 20
Endorsement Standards 21
Electronic Funds Transfer Services 22
Alerts and Chase Mobile s' Services 26
Overdraft Protection Services 27

Section III: Chase Privacy Policy 28

Index 31

1
address, phone number, Social Security number
SECTION I: or resident/citizenship status.
• If you have a change or addition, call us, stop by
Helpful Information for any of our branches, visit Chase.com or write to us.
Managing Your Account You'll find a list of our telephone numbers and
our address on the back cover of this booklet.

Important Customer • Note: We may change your address if the U.S.


Postal Service tells us that you have a new
Responsibilities address. If this happens, we'll send you a letter
1. Manage Your Account: We think it's better to help about the change.
you avoid fees than watch you make costly mistakes. 3. Review Your Statement: It's important to always
So follow these rules every day, and you'll manage take a few minutes to review each statement for
your checking account smoothly foryears to come. accuracy:
• Make sure deposits are available before you • It's your responsibility to promptly notify us of any
spend — When money goes into your checking unauthorized transactions or other discrepan-
account as a direct deposit, the whole amount is des, generally within 30 days of the statement
available to spend that day. But deposits you date. However, some notification timeframes
make with a paper check can take several days for personal accounts like the ones below could
to become available. So review your available be longer:
balance to be sure the money is available for use • Electronic transactions, such as debit card
before you spend it. purchases: See the "In Case of Errors or
• Record every transaction on the spot — Don't Questions About Your Electronic Funds
assume you'll remember to do it when you get Transfers" section for details.
home. That's how innocent mistakes happen. If • Substitute Checks: See the "Check 21 -
anyone on your account writes a check, uses an Substitute Checks and Your Rights" section
ATM or makes any transaction at all, record it for details.
right away. • Call us as soon as possible to report concerns. If
• In doubt? Get your available balance you don't contact us within the timeframes out-
in seconds — Enroll in Chase MobileSM at lined in the Deposit Account Agreement, we
Chase.com/Mobile and then text BAL to CHASE may not be able to help you clear up the issue:
(24273) at any time. You can also get your • Calling us is the fastest way to let us know
balance at any Chase ATM, on Chase.com or by there's a problem. Please note that if you call
telephone at one of the numbers on the back us, we may ask you to follow up in writing.
cover of this booklet. Any time you review your • Your statement has information about how
available balance, the amount may not include to report unauthorized transactions, other
recent checks you've written or purchases discrepancies and errors. For more details,
you've made, because they can take time to reach see your Deposit Account Agreement.
us. So record every transaction in your register.
• Your statement also includes other important
• Leave yourself a cushion and never spend information for your review:
below it—Pick a specific amount (such as $50 • Changes to your Deposit Account Agreement
or $100) and treat it as your personal no
• Helpful service messages
spend" zone. That way, a small mistake won't
leave you overdrawn. • Debit card rewards information

• Realize you just spent more than you have? • Contact information
Don't let the account stay overdrawn- Make Note: You may be paying account fees that you
a deposit as soon as possible to cover the over- can avoid. Please stop by any of our branches
draft and any fees. and well help you figure out if there's a way we
2. Update Your Personal Information: Please make can reduce or eliminate certain fees.
sure we have your most current information 4. Safeguard Your Information: We have state - of-
because it will affect how we reach you, where we the-art tools in place to keep your information
mail your statements and how we provide tax secure. We also need you to do your part by always
reporting to the Internal Revenue Service. protecting your:
• Always alert us when you change or add personal • account statements
information, such as your name, address, e-mail • IDs and passwords
• debit cards and PINs Deposits
• checks (blank or paid)
1. Direct Deposits: Your employer or a government
• signature stamps agency can deposit funds electronically into your
• any other bank-related documents — paper or account so you'll have access to your money the
electronic—that may have information same day we receive it. Here are more details:
about you or your account • Direct deposit signup forms are available at any
Keep your confidential information private to of our branches or on Chase.com .
help avoid fraud or identity theft. If you don't take • If you want to confirm a direct deposit, go to
reasonable precautions to protect your personal Chase.com or call us. Or, you can set up voice or
information, we may not accept liability if your e-mail alerts on Chase.com and well notify you
information becomes compromised. when we receive your deposit
And, don't forget to frequently update your
2. Funds Availability: There are differences between
computer's security software to help protect it
when you make a deposit, when we consider your
from online criminals and viruses.
deposit received and when the funds become avail-
able for your use. It's important to understand
Your Banking Options these differences because if you -try to use funds
We offer many ways for you to bank when and where that aren't available, it may result in returned
it's most convenient for you, including: checks and fees.
• Branches: We have more than 3,000 branches We've summarized a few key points about our
in 17 states. Visit Chase.com or call us to find a Funds Availability Policy below. We know this is a
complicated topic, so please don't hesitate to ask
- branch near you.
us if you have any questions. In addition, please
• ATMs: There are more than 9,000 Chase ATMs
read the entire Funds Availability Policy that you
in branches and many other convenient loca-
received at account opening.
tions where you can make deposits, withdrawals
• When Your Deposit Is Received: We consider
or transfers. If you need help finding an ATM,
your deposit received on the day you make your
visit Chase.com or call us. If you use other
deposit if it's made on a business day before the
banks' ATMs, you may pay fees from them, as
cutoff time displayed at the branch or ATM. If
well as from us. The best way to avoid fees?
you make your deposit on a weekend or a legal
Always use a Chase ATM.
holiday or after the cutoff time on a business
• Chase OnlineSM: When you register on Chase day, well consider the deposit received on the
Online, you can check balances, pay bilk, transfer following business day.
money, sign up for account alerts and more —
For example: You make your deposit on
any time and anywhere you have Internet Friday at 610 p.m. and the cutoff is at 6 p.m.
access. Visit Ghase.com for details and a demo. We consider the deposit received on the next
• Chase by Phone: Our automated service is avail- business day, which is Monday. However, if
able 24/7 so you can check balances, transfer Monday is a holiday, we consider the deposit
money and more. We also offer banker assist- received on Tuesday.
ance by telephone during extended business • When Your Deposit Is Available: Generally, we
hours. If you prefer to speak with a banker, just give you next day availability on your deposit, except
call Chase by Phone and enter your debit card when you deposit a check that isn't drawn on a
number and PIN. See the back cover of this Chase account. Refer to your Funds Availability
booklet for our phone numbers. Policy about non-Chase checks. In addition, this
• Chase MobileSM: Text your account and it texts means:
you back. After you sign up on Chase.com , you'll • We'll use the funds from your deposit to pay
have 24/7 access anywhere your cell phone has items (including checks, online payments and
service to view balances and transaction history. debit card purchases) on the day we receive
• Chase by Mail: You can mail deposits to: your deposit.
Chase by Mail • Your funds aren't available for cash with-
P.O. Box 36520 drawals until the next business day.
Louisville, KY 40233-6520 • Cash deposits made with a banker, wire
transfers and electronic direct deposit of your
paycheck or government benefit -payment
are available for a cash withdrawal on the • We may pay any check drawn on your account,
same day we receive them. even if it's over six months old. However, a
• Holds: If we hold your funds beyond the time- check more than six months old may not be
frame in your Funds Availability Policy, it will paid if you give it to one of our bankers to
be noted on your receipt after you make your deposit.
deposit with a banker. However, if your • If the person cashing your check doesn't have a
deposit isn't made with a banker (e.g., at an Chase deposit or loan account, we may not cash
ATM) or we add a hold after you leave the the check. Or, we may cash the check and
branch, we'll send you a notice to let you charge the person a fee.
know when your funds will be available.
• An important note: Because of industry
• Holds for Court Orders: We may be asked by a changes, some checks are now processed elec-
legal entity such as a court or government tronically, so the original check may not be
agency to place a hold on your account, available to us. As a result, even if you've asked
which could limit your transactions. We'll for your paid checks to be returned with your
send you a letter if this happens. statement, you won't get these checks back.
• New Accounts: New accounts may have more You also won't be able to see these checks on
restrictions on the availability of funds. See your statements or view them on Chase Online.
your Funds Availability Policy for details. You will be able to see some check details in the
• Returned Deposits: Even after we've made your "Checks Paid" or "Transaction Detail" section of
funds available for withdrawal, it doesn't your statement.
necessarily mean the items have been paid 2. Posting Order: Generally, deposits will be credited
by the bank they were drawn on. It can take to your account first and then we'll pay your items
weeks, even months, for counterfeits or other (e.g. checks, debit card transactions, ATM transac-
issues to be discovered. If an item is returned tions and other debits to your account) from highest
by another bank or not paid, we'll subtract to lowest dollar amount each business day. Certain
the amount of the item and the Deposited transactions such as wire transfers may post before
Item Returned fee from your account balance oth ers.
and let you know. When your balance is
3. Insufficient Funds: If you don't have enough funds
reduced as a result of a returned or unpaid
available in your account to cover your checks or
item, your account could become overdrawn.
any other withdrawals, one of these two things wilt
happen depending on your specific account:
Withdrawals from Your Checking
• We pay the check or other withdrawal and
or Savings Account charge an Insufficient Funds fee to the account.
1. Writing a Check • We return the check or withdrawal unpaid and
• When you write a check, please make sure it's charge a Returned Item fee to the account.
complete and fitted out property. Otherwise, we Note: Some payees (the person or company to
may not honor the check. Always remember to: whom you've written the check) also may
• Write in the current date (not a future date). charge you a fee for having the item returned to
them.
• Write who the check is payabte to (the payee).
• Write the same amount in U.S dollars and in Note: if either situation occurs, we'll send you a
words. If they don't match, we may use notice.
either amount to pay the check, which coutd Don't allow your account to remain overdrawn.
result in a discrepancy in your account. It may cost you more and could result in your
• Sign the check. account being closed which may affect your abitity
There are a few important things to keep in to open another checking account in the future.
mind about how your checks are paid: Catl us promptly if you overdraw your account so
we can hetp.
• You should have available funds in your
account before you write a check, because it To help prevent Insufficient Funds and Returned
could clear your account as soon as the day Item fees, tatk to a banker to sign up for Overdraft
you write it. So, know your batance at all Protection. And don't forget that you can keep
times and don't count on a delay of a day or track of your balance using Alerts and mobile or
more before we deduct the funds from your online banking. If you don't have enough money in
account. your checking account to write a check or if you
make a withdrawal or a purchase, you can always Please note: This federal regulation does not
use one of our banking options to transfer money apply to savings account deposits — only with-
from another account you have with us. drawals. Here is some additional information to
help you:
4. Overdraft Protection
• Each monthly statement period, you can make
Overdraft Protection helps you avoid Insuffi- unlimited withdrawals from or transfers between
cient Funds and Returned Item fees and the trouble your Chase accounts if you complete them in one
that results from overdrawing your checking of these ways:
account. Overdraft Protection Transfer 'fees may
In person at any of our branches
apply and will be deducted from your checking
account. There is no annual fee for this service so At any of our ATMs
you will only pay a fee when you use it. • By mail
If you overdraw an account that has Overdraft • Each monthly statement period, you can make
Protection, we can automatically transfer funds six withdrawals or transfers from your Chase
from your linked savings, credit card or line of credit savings or money market savings account if you
account to cover the amount that is overdrawn. complete them in one of these ways:
Remember that you must have available funds in • By check—Only three of the six can be by check
your linked account to cover the amount of the
• Overdraft Protection advances
overdraft, plus the transfer fee, or Overdraft Pro-
tection won't work. • Any online payments (Bill Pay) and online
Talk to a banker about signing up. See the transfers, including those on Chase.com
"Overdraft Protection" section in the Deposit • Preauthorized payments to any third party
Account Agreement for details. • Telephone transfers
5. Stop Payments • Wires or funds transfers

After you write a check or make a payment from • There is a Savings Withdrawal Limit Fee for each
your account, you can request a stop payment. item over these limits. Note: This is not the
When you ask us to stop payment, it means you same as the Additional Withdrawal Fee that is
don't want us to pay your check or complete your charged on certain savings accounts.
payment, or you think your check has been lost or • If you repeatedly exceed the Regulation D sav-
stolen. There may be a fee for placing a stop payment. ings withdrawal limits, federal law requires that
we change your account to a checking account
• Checks:
that offers unlimited check writing and transfers.
• We'll ask you for the check number and the
• We'll send you *a letter if you exceed the above
amount when you contact us.
limitations and if we change your savings
• If you contact us to stop payment on lost or
account to a checking account.
stolen checks, then you later find the checks
This topic is complicated, so please ask us if you
and want to use them, let us know.
have questions about these withdrawal limits or
• Electronic items: Please call us if you need to
see the "Withdrawal Procedures and Limitations"
place a stop on electronic items, debit card
section in the Deposit Account Agreement. If you
transactions and online bill payments. See the
need an account that allows you to make unlimit-
"Stop Payments" and "Stop Payment for ed withdrawals and transfers, ask a banker about
Preauthorized Transfers" sections for specific
our checking account options.
terms.
• Extensions: For personal accounts, stop pay-
Debit Cards
ments are effective for 180 days (terms vary for
business accounts; contact us for details). You Debit cards, sometimes called check cards or banking
can place an additional stop payment by con- cards, are a convenient way to access your money.
tacting us. An additional fee wilt apply. These cards are accepted at millions of locations
worldwide and are safer than using cash.
6. Withdrawal Limitations on Your Savings Account Your card can be used for everyday purchases
The Federal Reserve Board limits the number of including gas, groceries, dining out, shopping online and
checks, transfers and withdrawals made from any paying bills. Your card can be used at ATMs to withdraw
savings account (Regulation D), and federal regula- cash or check your account balances. And, at select
tions require us to monitor these savings account Chase ATMs you can make deposits and transfer funds
transactions for all of our customers. between accounts that are linked with your debit card.
How we protect your card: • Daily limits: For added protection there are
• Zero Liability: We'll reimburse you for any daily dollar limits for ATM withdrawals and pur-
unauthorized card transactions made at chases. Your daily limits were provided when
stores, ATMs, on the phone or online when you received your card. If you don't know your
you report the transactions promptly. limits or would like to change these limits,
please call us.
• Fraud Monitoring: We use sophisticated
Fraud Monitoring tools to review how and
where your card is being used. These tools Important Information About
enable us to contact you if we detect
abnormal patterns and to block potentially
ATM Safety and Safeguarding
fraudulent transactions. Your Account Information
• Security Alerts: You can set up free e-mail or Play it safe at ATMs — Overall, use common sense
phone alerts on your account for card activity and be aware of your surroundings before, during
exceeding an amount you specify.
and after you use an ATM. Here are some additional
Important tips: Debit or credit? A merchant tips:
may ask you if your purchase is debit or credit.
• Choose an ATM that is well-lit.
You have two choices. In both instances your
• If an ATM looks unusual or altered, don't use it.
purchase will be subtracted from your checking
account. If you suspect the ATM isn't working properly,
cancel the transaction and find another
• If you choose debit: Select the Debit or ATM
machine.
button and enter your PIN. Use this option if
you would like cash back with your purchase. • At a walk-up ATM, minimize transaction time by
You won't earn points or miles for this pur- having your card ready to use. At a drive-up
chase. ATM, keep your car engine running and lock
your doors.
• If you choose credit: Press the credit button
and sign the receipt. For some small dollar • Stand between the ATM and anyone waiting to
purchases and when you pay at the gas use the machine so others can't see your PIN or
pump, you may not need to provide a signa- the transaction amount.
ture. If your card earns points or miles, you • As soon as your transaction is complete, re-
must select Credit to earn rewards. member to remove your card from the ATM, and
Like writing a check, using your debit card can then put away your money, receipt and card.
generate Overdraft fees. You should have money in • Contact the police or a security officer if you see
your account before you make a purchase and record any suspicious activity at the ATM. If you think
it in your register right away regardless of when the you're being followed from an ATM, go to a busy
purchase is actually subtracted from your account. area and immediately contact police.
Here is some helpful information about how debit
Keep your debit or ATM card PIN confidential —
cards work:
Never give your PIN to anyone, don't write it any-
• Authorizations: Most merchants ask us to where and avoid carrying it with you. In addition,
authorize your purchase. As with checks, we to keep your card information safe:
may authorize the transaction even if you don't
• Change your PIN from time to time and choose
have available funds in your account; however,
a PIN that others can't easily figure out. For
we are not obligated to do so.
example, don't use your birthday or telephone
• Holds: When we give authorization to a merch-
number.
ant, we will reserve or place a hold on funds in
• To change your PIN (or if you forget your PIN),
your account to pay for your purchase. There are
visit any branch.
times—for example, at restaurants or for gas
purchases, car rentals or hotels —that merchants • A Chase employee will never ask you for your
won't know the exact amount of your purchase PIN or the numbers from the back of your card.
when they request the authorization. This Protect your card as you would a credit card or
means the authorization could be for an amount cash.
higher or lower than your actual purchase Report a lost or stolen card immediately — The
amount. Keep this in mind, because it could sooner you report a problem, the sooner we can
temporarily affect your available balance if your take precautions to ensure your card isn't misused.
hold amount is different than your actual
purchase amount.
• When you open a business account, we will ask
Certificates of Deposit,(CDs) for your business name, tax identification number
and Retirement Certificates and business address, which will allow us to
of Deposit (Retirement CDs) verify your business. We will also ask for your
name, residential address, date of birth and social
If you're able to set your money aside for a specif- security number, which will allow us to verify
ic period of time, consider CDs, which provide a fixed,
your identity.
predictable rate of return and the security of FDIC
insurance.
Inactive and
Here are a few things you should know about CDs:
• Automatically Renewable CD: An automatically
Unclaimed Accounts:
renewable CD will automatically renew on the • Each state has laws that govern when accounts
maturity date for the same term. The interest are considered "abandoned," and when we're
rate in effect at the time the CD renews into the required to send a customer's funds to the state.
new term will be applied to the account. See the
• We encourage you to make sure your accounts
"Specific Terms for Certificates of Deposit,
- remain active so you receive regular statements,
Maturity Conditions" section for more details.
have the full use of your accounts, and avoid the
• Single Maturity CD: A single maturity CD will potential of having your account assets trans-
not automatically renew on the maturity date
ferred to the state as "abandoned property".
and won't earn or be paid interest after that
• We'll send you a letter if it's possible that your
date. See the "Specific Terms for Certificates of
account assets may be transferred to the state.
Deposit, Maturity Conditions' section for more
details.
Spanish Language Preference
• Term: The term is the length of time you agree
to leave your money in the account. Some of our documents are also available in
• Maturity Date: The maturity date is the first day Spanish. Please ask a banker if you are interested in
you can change the term, rate or balance of your this option. If there is a discrepancy in the English and
CD without paying an early withdrawal penalty. Spanish version of any of our documents, the English
See the "Specific Terms for Certificates of Deposit, version will apply to the account.
Early Withdrawal Penalties" section for details.
• Grace Period: The grace period is the 10 days
after your maturity date that you can make
changes to your CD's term, rate or balance be
SECTION II:
fore it automatically renews for the same term.
• Interest Rate: The interest rate is the rate
Deposit Account
applied to your CD for its term. Agreement
• CD Special Interest Rate: A CD Special interest
This agreement governs personal and business
rate applies only to the initial CD-term. If your
deposit accounts identified in this Deposit Account
CD has a CD Special interest rate, at the time of
Agreement at JPMorgan Chase Bank, N.A. (the
renewal your CD will automatically renew for
"Agreement"). By signing a services application,
the same term at the standard (non-special)
deposit account signature card, or by otherwise open-
interest rate, in effect on the renewal date or for
ing or maintaining a checking, savings or certificate of
the Relationship interest rate if you qualify.
deposit (including retirement certificates of deposit)
account with us, you accept and agree to be bound by
Personal Information at - the terms and conditions of this Agreement. However,
Account Opening • if your account is maintained with a business unit
of the Bank that provides you a different deposit
Federal law requires all financial institutions to agreement, or if you contract for services that require
obtain, verify, and record information that identifies your consent to a different deposit agreement, your
each person or business that opens an account. account will be governed by that agreement.
• When you open a personal account we will ask As used in this Agreement, "we," "us," "our" and
for your name, residential address, date of birth the "Bank" mean JPMorgan Chase Bank, N.A. Your
and social security number, which will allow us to "Account" means each deposit account you have with
verify your identity. us that is governed by this Agreement. "You" or "your"
means each person or entity in whose name the
Account at the Bank is maintained or who exercises of such claim has been made. We have no duty to
an ownership interest therein, as well as any assignee return a check that has been charged back to an
or successor in interest to the Account. Your "State" Account if that Account has become overdrawn. We
means the U.S. state where you opened your are not required to give you next-day notice if a
account, or the state where you reside if you opened deposited or cashed item is dishonored.
your Account by mail, internet, or other remote means Any check deposited to your Account that lacks an
and you reside in a state where we have branch offices. endorsement may be, or may be deemed to be,
However, if you opened your Account by remote means endorsed by us on your behalf. With respect to any
and you do not reside in a U.S. state where we have such check, our rights and your liabilities shall be deter-
branch offices, your "State" shall be the State of Ohio, mined as though you actually endorsed and deposited
where we are headquartered. the item. Further, any check deposited to your Account
This Agreement includes the following disclosures that bears your stamped or facsimile endorsement shall
applicable to the Bank's personal and business deposit be deemed to bear your actual endorsement whether
accounts that the Bank has provided to you: (1) ac- such endorsement was affixed by you or by someone
count features, (2) Additional Banking Services and having no authority to supply your endorsement. You
Fees, (3) Funds Availability Policy, (4) the rate sheets agree to assume responsibility for and to indemnify us
for interest bearing accounts, and (5) any additional
for any loss we may incur as a result of your failure to
disclosures regarding your Account that the Bank will
comply with the endorsement standards set forth in
provide to you. Fees mentioned throughout this
our Endorsement Standards section of this Agreement.
agreement can be found in the product disclosures
If you deposit a remotely created check, you
and Additional Banking Services and Fees disclosures
guarantee that the check was authorized by the
referenced above.
account holder for payment in the amount shown.
Remotely created checks are created when an account
General Account Terms holder authorizes a payee to draw a check on the
account, but instead of the account holder's actual
and Conditions signature, the check identifies that the account holder
authorized the check.
Deposits or Cashed Items:
We may rely on the account number on any deposit
Checks, drafts and other negotiable instruments,
record received, even if the record identifies a party
including substitute checks (see the section of this
different from the entity identified by name in the
booklet entitled Check 21—Substitute Check and Your
record, and we have no duty to detect any such incon-
Rights) (collectively "checks") deposited to your
sistency in identification.
Account or cashed, automated clearinghouse ("ACH")
We may return or refuse to accept all or any part of
entries and all other types of external and book-entry
a deposit or credit to your Account at any time and
funds transfers (checks and funds transfers collectively
will not be liable to you for doing so even if such
referred to herein as "items"), may be charged back
action causes outstanding items to be dishonored and
against the Account (or an Account for split deposits)
or any other Account of yours -at the Bank if we are returned. Returned or refused deposits (or the legal
informed that the item is being or has been returned equivalent of the deposited item) will be returned to
unpaid (or, for checks drawn on other accounts with us, you. In addition, you will be solely responsible for any
the check is dishonored by us for any reason), without loss or liability we sustain in connection with the deposit
regard to whether such return or dishonor is timely. of substitute checks.
When a deposited or cashed item is returned, you will We will not give you next day notice of receipt of
be charged a Deposited Item Returned fee. We may an electronic deposit to your Account but will provide
charge your. Account whether or not the check is such notice to you on your next periodic Account
returned to us, and whether or not we can return the statement. You may call us to confirm an ACH or wire
item or a copy to you. Even if we verify a deposited or transfer deposit.
cashed check and tell you that the check has been paid,
that will not release your liability as an endorser. This
Credits for Deposits:
A receipt may be provided or made available upon
right shall extend to any check or other item deposited
into your Account or cashed, that is finally paid and request for all deposits to your Account (except for
then is returned because a claim is made that the check remote deposits, e.g., lockbox, night depository services
or other item was altered, forged, unauthorized, has a and certain funds transfers). However, the amount On
missing signature or should not have been paid for any your deposit receipt is based solely on your deposit
reason. In lieu of charging your Account we may with- ticket. Funds from your deposits to your Account may
hold an amount equal to such check or other item from not be made immediately available. We shall not be
your Account,until a final determination of the validity construed to have received for deposit checks sent by
mail or placed in the night depository until we have You agree to use reasonable care to assist us in
either received actual delivery from the U.S. Postal locating or obtaining replacements of items lost while
Service or have removed the checks from the deposi- in our possession. We may agree with other banks and
tory. Checks placed in such depository will be removed clearing houses to vary procedures regarding the col-
not later than the next business day. All deposits lection or return of items, and deadlines to the extent
made by mail and addressed to a Bank location without permitted by applicable law.
using a specific branch name and street address will
be considered received by the Bank's National Bank-
Withdrawal Procedures and Limitations:
By-Mail facility in Louisville, KY as of the date such In accordance with the features of your Account,
deposit is received by such facility. For• checking you agree that we may charge your Account for any
accounts, funds will be made available according to withdrawal or transfer that you make or authorize
Federal Reserve Regulation CC and our Funds Avail- another to make. We may, as a condition of withdrawal,
ability Policy. Credits for all deposits are subject to final require you to provide us with identification or infor-
verification and, after review, we may make adjust- mation acceptable to us and/or your signature on
ments to your Account for any errors, including any certain withdrawal documents signed in the presence
errors appearing on your deposit ticket, but have no of our personnel. If you request to withdraw large
obligation to do so for discrepancies under ten dollars. amounts in cash, we may place reasonable restric-
In addition, the availability of funds for withdrawal tions on the time and method of your withdrawal and
does not mean that the deposited check or other item may require that you sign a document releasing us
is "good," has "cleared" or has been paid by the paying from any liability in case you are robbed or assaulted.
bank, or that the item will not be returned unpaid and We may refuse the withdrawal if you do not agree
your Account subsequently debited, notwithstanding with these conditions.
the passage of any period of time or any representation Federal regulations impose [imitations on transfers
or belief to the contrary, We may accept credits to from savings accounts and we are required to monitor
your compliance with them. You may make no more
your Account that have been originated by third
than six (6) preauthorized withdrawals (including, but
parties (e.g., ACH credits, wire transfers). However, we
not limited to, withdrawals made by ACH, telephone,
may reverse any credit to your account that the
Internet, or wire) monthLy, no more than three (3) of
originator of such deposit has informed us was in
which may be by check o 1 order payable to a
error, or was intended for another account, without
third party, from your savings account. These limita-
investigating whether such credit was not properly
tions do not apply to withdrawals made through
payable to you.
Automated Teller Machines, over-the-counter, mail or
We need not accept for deposit items drawn on a
messenger. We will impose a Savings Withdrawal Limit
non-U.S. bank or items payable in a foreign currency
Fee for each transfer that exceeds these limits. In
and may instead accept such items on a collection
addition this transfer may also invoke an Additional
basis, even after we have taken physical possession of
Withdrawal fee for Chase Savings accounts for having
such items. If accepted on a collection basis, we will not
exceeded applicable withdrawal limits. If you continue
be obligated to credit your account for such items until
to exceed any transfer limits on your Account after we
we have received final payment. The actual credit for
have notified you of any such transfer violation, we
items payable in a foreign currency will be at the
will close your Account and transfer the funds to
exchange rate in effect at the time of final collection another deposit account type selected by us for which
in U.S: dollars. Regardless of whether such items are you are eligible or eliminate your Account's transfer and
accepted for deposit or on a collection basis, our check privileges.
Funds Availability Policy will not apply. For ail savings accounts, interest bearing checking
accounts and holding sub-accounts, we reserve the
Collection of Deposits:
right to require seven (7) days prior written notice of
You agree that we act only as your collecting agent
withdrawal. In addition, any personal checking account
in receiving items for deposit or collection and assume
for which a one time promotional payment to or for the
no responsibility beyond reasonable care. We will use
account is made by us as a premium or other consider-
reasonable care in the selection of collecting agents but
ation upon account opening will cause such account to
will not be liable in case of their failure or negligence
be considered an interest bearing checking account for
or for losses in transit this Agreement (and, for statutory purposes, a NOW
You agree that we, and each of our correspondents, account) and subject to the potential seven-day with-
may send checks subject to collection, directly or drawal notice requirement, even though such account
indirectly, to any bank, depository, maker or drawee in may not accrue interest on a periodic basis.
accordance with our usual custom and may accept
checks, drafts or credits as conditional payment.
Payment and Deposit of Checks: and the time of return of the check, and no more than
You agree not to issue incomplete, postdate or condi- one such determination need be made. If the Bank
tional checks or present them for deposit to your Ac- dishonors any check, we shall treat any subsequent
count. Also, we have no duty to discover, comply with representment the same as the original presentment
or have any Liability for accepting any incomplete, in all respects (including imposing an additional
postdated, conditionat checks or checks more than six Insufficient Funds or Returned Item Fee if applicabte),
months old, even if you have provided us with notice and shatt have no duty to take any steps to prevent
describing this check. We may charge a person who represent ments of such checks.
cashes your check a fee, or refuse to cash your check, if
that person is not a deposit or loan customer of ours. Check and Forms Specifications/
We have no duty to honor and we may disregard any Protection of Documents:
information on a check other than the identification ALL checks, withdrawal forms, deposit slips and transfer
of the paying bank and payee, the amount (we may rely instructions used in connection with your Account
upon either the numeric amount or the amount in must be on forms obtained through or approved by us.
words if contradictory) and any MICR encoded infor- You agree to maintain adequate safeguards to ensure
mation, and specifically have no duty to visualty inspect the authorized use of the forms you retain, and agree
signatures. We may construe as "or" any symbol, mark to notify us immediately if you become aware that any
or word (other than the word "and") used as a connec- checks or other forms are Lost or stolen. We are not
tive, or may imply an "or" in the absence of any con- responsible for Losses you may suffer due to improper
nective, on the payee Line of any check containing printing on forms not obtained through or approved by
multiple payees. In addition, for both personal and us, your failure to maintain adequate safeguards
business Accounts, we may debit an Account based on against unauthorized use, or your failure to issue checks
a single signature, and a multiple-signature require-
in a manner so as to prevent unauthorized completion,
ment is for the customer's internal use only, notwith-
alteration or addition. You agree that we may refuse
standing any communication to us to the contrary.
to accept for deposit or to process any check or other
You agree that if you utilize an automatic check
item that is presented to it in a form that cannot be
writing service which operates through the use of a per-
processed or photographed using equipment that we
sonal computer, employ the use of a facsimile signature
regularly use in our normal operations.
or do not otherwise provide your personal signature on
a check, you agree that you shall have the sole respon- Insufficient Funds:
sibility for maintaining security of any such computer,
We have no obligation to pay or honor any item or
stamp or device by which your signature is affixed and
withdrawal request unless it is drawn or requested
that you shall bear the entire risk of unauthorized use
against available funds credited to your Account at the
of any such device or of any facsimile signature that
opening of business on the day the item is presented
reasonably resembles the signature you use, whether
for payment or the request is received, even if we paid
or not you are negligent. You also agree that the treat-
an item or honored a withdrawal request drawn or
ment of each check presented against your Account
requested against insufficient funds in the past. If we
through the use of such a service and our rights and
pay an item or honor your request that overdraws your
obligations with regard to such check will be the same
Account, a deposited item has been returned unpaid,
as if the check was signed or initiated personally by you.
or for any other reason your Account has become over-
You further agree to indemnify and hold us harmless
drawn, you agree to pay the amount of the overdraft
from and against any and all Loss, cost, damage, Liabil-
together with any fee and accrued interest identified
ity or expense (including attorney's fees) we may suffer
in this Agreement immediately, whether or not you
or incur as a result of the unlawful use, unauthorized
signed or requested the withdrawal or participated in
use or misuse by any person of any such device or of
the transaction creating the overdraft.
any facsimite signature that reasonably resembles the
You hereby authorize us to appty any subsequent
signature you use.
deposit to the Account against the amount of any
Your Account may be debited on the day a check is
overdraft and resulting fees or charges, including any
presented by electronic or other means, or at an earlier
federat or state benefit payments that you choose to
time based on notification received by us that such
deposit in any Account (including direct deposit of
check drawn on your Account has been deposited for
Social Security). You understand and agree that if you
collection at the Bank or at another financial institu-
do not want your benefits applied in this way, you may
tion. A determination of your Account balance for
change your direct deposit instructions to the benefits
purposes of making a decision to dishonor a check for payor at any time.
insufficiency of available funds may be made at any Items will be posted to your Account in highest to
time between the receipt of such presentment or notice Lowest dollar amount each business day (Monday

10
through Friday, federal holidays not included). However, earn interest after the maturity date. For single
certain transactions like wire transfers may be posted maturity CDs, your CD will not automatically renew
before others. We reserve the right to change this on the maturity date. No interest is earned or paid
posting order without notice. We may assess a fee for after the maturity date.
any item or withdrawal request, such as a check, in CD Special Interest Rates. If your CD has a CD
person withdrawal, ATM withdrawal, or other electronic Special interest rate, that rate applies only to the
means, when there are insufficient funds in your initial CD term. At the time of renewal, your CD wilt
Account based upon the posting method identified automatically renew for the same term at the standard
above, whether or not the item is paid or the request (non-special) interest rate in effect on the renewal
honored, or whether or not an overdraft to your account date or for the Relationship interest rate if you qualify.
has occurred. We may assess an Extended Overdraft fee Early Withdrawal Penalties. There is a penalty
for overdraft balances that are not promptly repaid for withdrawing funds prior to the maturity
and/or charge interest for any overdraft on your date. If the term of the CD is less than 365 days, the
Account. You agree to pay all costs and expenses, includ- early withdrawal penalty is equal to $25.00 plus 1%
ing attorney's fees, incurred by us in the collection of of the amount withdrawn. For terms of one year or
any overdraft. more, the early withdrawal penalty is equal to $25.00
plus 3% of the amount withdrawn. If the withdrawal
Returned Item and Insufficient Funds Fees:
occurs within seven (7) days after the date of deposit,
Insufficient Funds and Returned Item Fees will be
the amount of the early withdrawal penalty shall be
assessed based on the number of "Occurrences" in the
calculated as above, but in no event shall it be less
previous twelve (12) months plus the current month.
than the accrued interest. Early withdrawal penalties
An Occurrence happens any business day that at least
may require a reduction in the principal amount if the
one item is presented or withdrawal request is made
amount of accrued and unpaid interest on the deposit
against an account with insufficient funds, whether or
is less than the penalty. Early withdrawal penalties
not we honor any or all of the items or withdrawal
will be waived under the following circumstances:
requests. In general, the more Occurrences you have
• Withdrawal of accrued or paid interest;
on your account, higher fees will be charged on each
item. For example, on your second Occurrence you • Withdrawal due to the death of a CD owner
may pay a higher per item fee than you paid on the (including Totten Trust) or a grantor of a revocable
first Occurrence. family/living trust;
It is your responsibility to manage your account to • Withdrawal due to the disability of a CD (excluding
avoid having insufficient funds. See a banker to learn Retirement CD) owner*;
about overdraft protection options available to you, • Withdrawal due to the disability of 'a Retirement
or see the Overdraft Protection Services for specific CD owner;
information about this service. We also offer Person- • Withdrawal due to the judicial determination of legal
alized Alerts to keep you informed about the balance incompetence of a CD owner;
and transactions in your account.
• Re-titling of a CD (excluding Retirement CD) to
Specific Terms for Certificates of Deposit: transfer ownership of funds into a living trust with-
out moving funds from the Bank and where no
The standard minimum deposit amount to open a
change in term or rate occurs;
Certificate of Deposit ("CD," which term shall include
Retirement CDs unless otherwise identified below) is • Re-titling of a Retirement CD in a Coverdell
$1,000. Subsequent deposits are not permitted except Education Savings Account to change beneficial
during the ten-day grace period. By opening your CD, owner without moving the funds from the Bank
you have agreed to keep the funds on deposit for the and where no change in term or rate occurs;
agreed upon stated term. • Withdrawal by a Retirement CD owner who is 59 1h
Maturity Conditions. For automatically renewable or older where the funds are taken as a distribution
CDs, your CD will automatically renew for the same by the Retirement CD owner via cash, check, deposit
time period as the initial term, and thereafter for suc- or transfer to a non retirement account. Excludes
cessive like periods of time, with an interest rate then transfers to another financial institution. (The with-
in effect on the renewal date for like term CD to be drawal will be reported to the IRS as a retirement
applicable during such time period. This will not apply distribution.);
if you withdraw your funds during the ten-day grace • Withdrawal by a Retirement CD owner who is under
period following the maturity date. Withdrawals made age 591h for these reasons as defined by section 72
during the grace period are not subject to early with- (q), (t) or (v) of the Internal Revenue Code:
drawal penalties described below. If your CD is — Payment of health insurance premiums after
redeemed during the ten-day grace period, it will not separation from employment*;

11
— Payment of medical expenses in excess of 7.5% For personal Accounts, an oral or written stop pay-
of the retirement owner's adjusted gross income*; ment order is effective for 180 days, and may not be
— Payment of qualified education expenses*, extended. However, you may place an additional stop
payment order at any time, in which case such order
— Payment of first-time home purchase expenses*;
shall replace the prior instruction, and shall be effec-
— Payment of retirement funds directly to the IRS
tive for 180 days from the day such additional order
due to IRS levy*,
was placed. An additional stop payment fee will be
— Substantially equal periodic payments*; charged. We will not send a confirmation of your stop
• Withdrawal by a Retirement CD owner who is revok- payment order. For business Accounts, an oral or writ-
ing their Traditional or Roth IRA within seven days of ten stop payment may be placed for two lengths of
plan establishment (must forfeit accrued interest); time. You may place a stop payment order to be
• Withdrawal from a Retirement CD of an excess effective for 180 calendar days or you may place a
annual retirement contribution and any attributable stop payment order to be effective for one year and
earnings*; then renewable annually, at your choice, for six addi-
• Withdrawal by a Retirement CD owner converting tional years. We may send you a written confirmation
a Traditional IRA contribution to a Roth IRA contri- of your stop payment order. If any of the informa-
bution without moving funds from the Bank and tion on the confirmation is incorrect, you must notify
where no change in term or rate occurs; us within the time period stated on the confirmation.
• Withdrawal by a Retirement CD owner recharacter- If you do not do so, the information will be presumed
izing (changing) a Traditional IRA contribution to a to be correct. You will receive a 60 to 90 day advance
Roth IRA contribution or vice versa without moving notification of stop payments scheduled for renewal on
funds from the Bank and where no change in terms your business Account statement. You may request at
or rate occurs; that time to discontinue the renewal of a stop pay-
• Withdrawal of a Retirement CD in a Money Purchase ment by indicating the stop payment you wish to
Pension Plan or Profit Sharing Plan by a Retirement revoke and returning the notice portion of the state-
ment, with an authorized signature, to the address
CD owner for the purpose of a Direct Rollover to a
provided. For personal and business Accounts, when
Traditional IRA without moving funds from the Bank
the effective period of the stop payment order
and where no change in terms or rate occurs.
expires, we have no duty or obligation to notify you
*Except during the first seven days following account
before we pay the item.
opening or for withdrawals made within six days of
If you stop payment on a check drawn on your
a previous withdrawal, in which case the penalty
Account, you may still be obligated to pay such item
must always be applied.
to any party entitled to enforce it pursuant to appli-
cable state law.
Stop Payments:
You may stop payment on a check drawn on your Statements:
Account if we have not accepted, certified, made final (for Retirement CDs and Retirement Money
payment on or otherwise become accountable for the Market Accounts refer to your IRA/CESA or
item. Any joint owner may order us to stop payment QRP plan document)
on any check drawn on your Account. A Stop Payment We will maintain appropriate records of your
fee will apply. To stop payment on a check, please call Account. An Account statement for checking and sav-
us at the phone number listed in the address and ings accounts will be sent to you at your current
telephone numbers section. address listed on our records on a monthly basis,
You must provide us with the precise Account and unless there have been no deposits or withdrawals
check number/amount to allow us to identify the check made to your accounts within a 30 month (12 months
based upon our computer retrieval system standards. in Texas) period, in which case annual statements will
A stop payment order shall become effective not later be sent, unless otherwise specifically indicated in the
than one full business day after we have received such personal accounts or business accounts sections of
information, which you agree is a reasonable time. If a this Agreement. Statements will be sent via ordinary
cashier's check, teller's check (official check") or certified
U.S. mail, unless you and the Bank agree otherwise.
check is Lost, destroyed or stolen, you may assert a
We will send only one statement per Account, even if
claim to the amount of the check if you give us a dec-
that Account has more than one owner. You agree that
laration of toss statement in a form acceptable to us
sending the Account statement as described qualifies
and the check has not been presented for payment for
as sending the Account statement to all owners of the
90 days from the issue date or in the case of
Account, even if all owners do not have access to the
certified checks, from the date of acceptance.
mailing address of record for the Account.

12
We may change your postal address of record if we account election is Image Statement, then other check-
receive an address change notice from the U.S. Postal ing accounts will default to Image Statement, unless
Service or if we receive information from another Check Safekeeping is elected or required by the terms
party in the business of providing correct address of that account. If the first checking account has Check
information that the address in our records no longer Safekeeping, then all other identified checking accounts
corresponds to your address. will require Check Safekeeping as welt.
As used in this Agreement, the monthly statement
period means the time period covered by your Account Notification of Errors, Forgeries and
statement. This time period may or may not corre- Unauthorized Signatures:
spond to a calendar month but in most cases will not (for Retirement CDs and Retirement Money
exceed 32 days or be less than 28 days. The specific Market Accounts refer to your IRA/CESA or
dates covered by your Account statement will be set Q RP plan document)
forth in the statement.
You agree to reconcile your statement promptly
upon receipt. If we honor a check or other item drawn
Check Enclosure Options:
on or posted to your Account that is altered in any way
If, at your election or your Account features so
or was not drawn or otherwise authorized by you
require, we retain your cancelled checks and do not
("unauthorized item") or if your Account statement
return them with your Account statement, you
contains any errors, you agree to notify us in writing of
acknowledge that the original cancelled checks may
such unauthorized item or error within 30 days of the
be destroyed after a reasonable period of time as
date on which the unauthorized item, or the Account
determined by us. You agree that by maintaining the
statement that contained a description of the unauth-
original check or a copy thereof on your behalf, we
orized item or error, was mailed, transmitted or other-
have otherwise made the check available to you in a
wise made available to you. You must notify the Bank
reasonable manner. You may request a copy of any
in writing of any unauthorized, improper, or missing
cancelled check and a service charge may be imposed
endorsements within six (6) months after the Account
for each copy provided. If for any reason we cannot
statement is mailed, transmitted or made available to
return a copy of your check or satisfy your needs
you. You agree to provide us with all information neces-
through other means, you agree that we will not be
sary for us to investigate the alleged error or unauth-
liable for more than the face amount of the check.
orized item, associated police reports, supporting
If available, when we retain your cancelled checks,
affidavits, and testimony we reasonably request. Failure
you may request that we include images of the front of
to report an unauthorized item or error, or that you
your cancelled checks with your statement ("Image did not receive your scheduled statement, within the
Statement"). However, you may elect to neither have 30-day time frame set forth above, or to abide by the
your cancelled checks nor images thereof included conditions set forth herein, shall be deemed conclusive
with your statement ("Check Safekeeping") and unless proof that you failed to exercise reasonable care and
the terms of your Account require Check Safekeeping, promptness in examining the items and statements of
you may elect to have your checks returned with your the affected Account and in notifying us of the unauth-
Account statement ("Check Enclosure") rather than orized item or error. You agree that such items and
receiving images thereof. errors shall therefore be fully enforceable against you
Some merchants, utilities and other bitters may elect and you shall have no claim against us for same and
to convert your check into an electronic funds transfer. shall be barred from bringing any action against us that
Since we do not receive your check, neither a can- is in any way related to the unauthorized item or errors.
celled check nor its image is available from us. Notwithstanding the foregoing, the Electronic Funds
Additionally, we may elect to receive electronic Transfer Services section of this Agreement governs the
images from other banks or financial institutions in lieu reporting of errors on consumer electronic funds trans-
of original checks. If we receive an electronic image for fers governed by Federal Reserve Board Regulation E.
payment, this image will appear with other cancelled You also have those rights afforded to you under federal
checks on your Image Statement, however the can- Law for substitute checks. Please see the Check 21 sec-
celled check is not available from us. tion of this Agreement for more information.
If you have elected to have your checks returned in
your statement for the first checking account listed on Sub Accounts:
-

your statement, then all other checking accounts listed For accounting purposes, all checking accounts con-
in your statement will require Check Safekeeping (for sist of two sub-accounts: a transaction sub-account to
business accounts, you may elect Check Enclosure which all financial transactions are posted, and a hold-
option for all checking accounts). If the first checking ing sub-account into which available balances above a

13
preset level are transferred daily. Funds will be retrans- an interest rate for the Account until such time as you
ferred to your transaction sub-account to meet your have requested the Account to begin earning interest.
transactional needs; however, all balances in the hold- Interest begins to accrue no later than the business
ing sub-account will be transferred to the transaction day we receive credit for the deposit of non-cash items.
sub-account with the sixth transfer in any calendar For purposes of accruing interest, we use the daily bal-
month or monthly statement period. ance method. This method applies a daily periodic rate
Both sub-accounts are treated as a single account to the principal balance in your Account each day,
for purposes of your deposits and withdrawals, access which may be based either on collected or ledger bal-
and information, tax reporting, fees, etc. ances as set forth in the product features for your
Account. The collected balance is the balance of all
Linked Accounts: deposits in your Account on which we have received
For checking and savings accounts, you may elect credit for the deposited funds (determined by the
to have these accounts appear on a single statement. availability schedule of our Federal Reserve Bank for
Since accounts with at least one common owner can non-cash items). The ledger balance is the balance in
be included on an account statement, you agree that your Account without regard to credit or availability.
information regarding your Account may be made Interest for Chase Retirement Money Market Accounts
available to any other owner on any of the accounts with interest distributions will not compound and will
that are identified on that combined statement. credit on the distribution date. For all other interest
Many checking accounts permit you to link other bearing Accounts, interest is credited and compounded
accounts you may have with us or our affiliates to monthly. On personal Accounts, interest is computed on
help waive the monthly Service Fee for that checking a 365-day basis. We reserve the right not to pay inter-
account based upon the balances you keep in those est on any deposited item that is returned to us unpaid.
other accounts. These other accounts need not be The interest rate and annual percentage yield
included on your statement for those pricing benefits applicable to your Account on the date your Account
to apply, and accounts that appear on your combined is opened will be set forth on a separate "rate sheet"
statement are not automatically linked for purposes or other interest rate disclosure provided to you when
of pricing. If you have multiple checking accounts list- your Account is opened. That interest rate disclosure
ed on your statement, pricing benefits may only apply is considered a part of this Agreement.
for the first checking account listed. In addition, bal-
Certificates of Deposit
ances held in any particular account may only be used
for pricing benefits applied for one checking account. We use the daily balance method to calculate inter-
Linking accounts is always at our discretion. If you est on your CD. This method applies a periodic rate each
choose to link your personal accounts to other day to the principal balance. Interest begins to accrue
accounts for which you serve as trustee or custodian on the business day you deposit cash or non-cash items.
(fiduciary), your personal account may receive a Interest for CDs is calculated on a 365-day basis,
financial benefit. Under fiduciary law, any financial although some business CDs may calculate interest
benefit you receive is considered a violation of on a 360 day basis. The APY disclosed on the face of
fiduciary duties. We bear no responsibility for your your Deposit Receipt, which is considered part of this
decision to link fiduciary and personal accounts. You Agreement and, if applicable, on the maturity notice,
should carefully consider this decision, and consult assumes interest will remain on deposit until matur-
with your legal advisor if necessary. ity. On maturities of more than one year, interest will
Note: we will not automatically place accounts on be paid and reported to the IRS at least annually
one combined statement or link accounts for pricing; (excludes Retirement CDs). A withdrawal will reduce
you must take authoritative action to do so. earnings.

Interest: Record Retention:


We shall abide by federal and applicable state record
Checking and Savings Accounts
retention laws and may dispose of any records that have
Your Account, if designated as interest bearing, will
been retained or preserved for the period set forth in
be a variable rate account on which we may change the
these laws. Any action by or against us based on, or the
interest rate and annual percentage yield from time to
determination of which would depend on, the contents
time at our discretion without notice to you. We do
of records for which a period of retention or preser-
not impose a limit on the amount the interest rate and
annual percentage yield on your Account may change. vation is set forth in these laws shall be brought within
If you have requested your Account not to accrue inter- the time for which the record must be retained or
est on a periodic basis, we will not establish or maintain preserved, unless applicable law provides a shorter

14
limitation period. Any action against us on an the owners as joint tenants with rights of survivorship.
automatically renewable CD must be brought within For any joint account where a joint owner has died, we
the retention period applicable to that CD based on the reserve the right not to release funds in the account
stated maturity date in the most recent record evidenc- until all legal documents are delivered to us. You agree
ing the existence and term of the CD. to notify us of the death of any joint owner and to
reimburse us for any tax we may be required to pay by
Fees and Service Charges: reason of our payment or release of funds in the
You agree to pay the monthly service fee, transac- account to you.
tion fees, fees or interest charges for insufficient funds Any joint owner may close the account. We may, at
and stop payments, and all other applicable service our sole discretion, act upon such other instructions
charges or fees identified herein as applicable to your of any joint owner, including withdrawing funds or
Account, or which may be otherwise mutually agreed adding or removing any signatory or other joint owner
upon by you and the Bank. You authorize us to charge to or from the account, without the signature of the
your Account for these fees and service charges at any other joint owner(s). However, we are under no obliga-
time whether or not such fees or charges will result in tion to observe such instruction, and may do so or
an overdraft of your Account or, where there are not refuse to do so without liability. We may also pay all
sufficient funds in your Account to cover your fees and or any part of the funds in the account to any of the
service charges, to bill you separately. You acknowledge joint owners upon request of that joint owner or to a
and agree that the funds in your Account used to pay court or governmental agency upon receipt of a garn-
such fees and service charges may include any federal ishment order, tax levy or similar legal process identi-
or state benefit payments that you choose to deposit fying any one of the joint owners.
in any Account (including direct deposit of Social All joint owners will be jointly and severally liable
Security). You understand and agree that if you do not for all overdrawn accounts, whether or not that par-
want your benefits applied in this way, you may change ticular owner initiated a withdrawal request or other
transaction drawn against insufficient funds which we
your direct deposit instructions to the benefits payor
honored, withdrew funds credited to an account which
at any time.
were made available based upon a deposited item
Form of Account Ownership: which was subsequently returned unpaid, or whether
such owner received benefit from a transaction which
Personal Accounts
resulted, directly or indirectly, in such overdraft.
Where only one individual is designated or appears
We may refuse to accept items for deposit or to pay
on a signature card as the owner of such account, then
withdrawals on the signature of any one of several joint
we may treat the Account as a solely owned account.
account owners if we receive a written request not to
In the event of your death or adjudication of incompe-
do so from any joint account owner. After we receive
tence or interdiction, you agree that we have the right
such written request, we may refuse to honor any
to honor checks or other items drawn against your
check, draft or demand upon the account by any of
Account until ten days after we receive actual written
the joint account owners, including the one providing
notice of your death, incompetence or interdiction. We
the request to us, unless all of the joint account owners
may restrict access to your account upon notice of your
concur in the withdrawal of funds from the account. In
death or adjudication of incompetence or interdiction the event we receive such a written request, we shall
until the appropriate documentation reasonably be relieved of any and all liability to every joint account
requested by us, including a death certificate, is pro- owner for failure or refusal to honor any check, draft or
vided by your executor, administrator or other repre- other demand for payment or withdrawal unless all of
sentative of your estate or person. To the extent and the joint account owners join in the drawing or other
under the circumstances permitted by the laws of request. This shall not affect transactions previously
your State, upon receipt of actual written notice and completed. Each joint owner appoints each of the
proof of your death, the balance in your Account will others as his/her agent and attorney in fact with power
be paid to the person or entity you designate to "pay to endorse and deposit items payable to him/her in the
on death" (POD) or you designate as a POD payee or joint account. If you establish a joint account without
beneficiary on your Account's signature card or on a the signature of the other joint owner, you agree to hold
form provided by us. us harmless for our reliance upon your designation of
Unless your signature card or account opening doc- the other as a joint owner.
uments so designate, where two or more individuals If you have opened the account as a Representative
are designated or appear on a signature card as owners Payee for receipt of certain federal benefits on behalf
of such Account, then as between them, we will treat of a beneficiary, you agree that you will cause to be

15
deposited into the Account only those benefits pay- signature card as the owner of such account, then the
able to the beneficiary. The Bank is neither obligated to account is payable only to or on the order of the busi-
ensure that only those eligible federal benefits are ness, and not to any individual director, shareholder,
deposited into the Account, nor does it have a duty to member or partner thereof except as they may be a
determine whether any withdrawals or transfers from payee on a check or other item drawn on your Account.
the Account are for the benefit of the beneficiary. If the You further represent and agree that the business has
beneficiary dies, you agree to (a) promptly notify the taken all action necessary to open and maintain bank-
Bank, (b) no longer permit further deposits to the ing accounts at the Bank and that all resolutions and/or
Account, (c) promptly notify the Bank if any such other documentation delivered to us in connection with
deposits are made, and (d) maintain sufficient avail- the account are true, accurate, complete, and will be
able balances in the Account from which any benefit kept up to date and may be conclusively relied upon by
payments may be reclaimed by the applicable U.S. us. You agree to notify us in advance of any change in
Government agency. If the Bank is unable to debit the your form of ownership. You also agree that we are not
Account or if there are insufficient available funds in obligated to cash checks payable to you or to accept
the Account from which to debit the full amount of any "less cash" deposits. Notwithstanding anything to the
reclamation by the government, you authorize the Bank contrary, the relationship between you and the Bank is
to offset any account owned by you or the beneficiary one of debtor/creditor, not fiduciary, even if the account
for any amounts reclaimed by the applicable U.S. is titled as a "fiduciary" account with that role being
Government agency. played by you.
If the account is opened as an estate account, trust You agree that each eligible signer is authorized to
account, guardianship or conservatorship account, or endorse for collection, deposit, or negotiation any and
other similar type of account, we reserve the right to all checks, drafts, notes, bills of exchange, certificates
require such documents or authorizations as we may of deposit, and orders for the payment or transfer of
reasonably deem necessary or appropriate to satisfy us money between accounts at the Bank and other banks,
that the person requesting or directing the withdrawal either belonging to or coming into the possession of the
of funds held in the account has the authority to with- business. Endorsements for deposit" may be written
draw such funds. We shall be held harmless for refusing or stamped. We may accept any instrument for
to pay or release funds in the account where such deposit to any depository account of the business with-
refusal is based on the failure of the person requesting out endorsement or may supply the endorsement of
or directing the withdrawal to provide documents or the business. The person(s) so designated is authorized
authorizations requested by us. If you establish your to sign any and all checks, drafts and orders drawn
account as "in trust for" ("ITF") or as trustee for a third against any designated account(s) of the business at
person without presenting formal trust documents, the Bank. We are authorized to honor and pay all
then we may treat the account as a Totten Trust checks, drafts and orders when so signed or endorsed
account or as otherwise required by the laws of your without inquiry as to the circumstances of issue or
State. If you have opened an account as custodian for disposition of the proceeds even if doing so causes an
a minor beneficiary under a state's Uniform Transfers/ overdraft or increases an overdraft and regardless of
Gifts to Minors Act, you will not be allowed to pledge to whom such instruments are payable or endorsed,
the account as collateral for a personal loan to you or including those drawn or endorsed to the individual
cash checks against the account, except as otherwise order of any such person so listed.
permitted by law. Notwithstanding anything to the In addition, each eligible signer is authorized to act
contrary, the relationship between you and the Bank for and on behalf of the business in any matter involving
is one of debtor/creditor, not fiduciary, even if the any Account of the business, including the authority
account is titled as a "fiduciary" account with that to instruct us to close the Account, and is further
role being played by you. authorized to sign and implement for and in the name
You agree that if your Account is identified as one on behalf of the business, as they, or any of them see
offered only to individuals or unincorporated non- fit, the terms of all agreements, instruments, drafts,
business associations, it shall not be used for a busi- certificates, or other documents relating to any
ness purpose. depository accounts or other business including, but
not limited to, night depository agreements, funds
Business Accounts transfer agreements or safe deposit agreements.
Where a corporation, unincorporated association
or limited liability company, partnership, including a Telephone Requests:
limited partnership, limited liability partnership, or joint You agree that funds in any of your Accounts with
venture, government entity or sole proprietor (collec- us can be transferred, upon the telephone request of
tively, the "business") is designated or appears on a any signer on the Account, to another account with us

16
or to any other financial institution. We shall not be Legal Proceedings /Other Restrictions:
responsible for any toss incurred as a result of our acting We may restrict the use of your Account if the
upon or executing any request, order or instruction we Account is involved in any legat or administrative
believe to be genuine. Furthermore, we may refuse to proceeding, whether or not we're a party to the pro-
execute any telephone request or order. ceeding. All expenses incurred by us as a result of a
proceeding affecting your Account, may be charged
Telephone Communication:
For our mutual protection, and to enable us to pro- against your Account or billed to you separately.
vide better service to you, we may monitor and/or These fees may inctude, but are not timited to, court
tape-record any of our telephone conversations. costs and attorney fees.
If you provide us with your cell phone number as a We may also restrict the use of your Account when
contact number for your Account, you agree that we we reasonably consider such action necessary to
may call that number with service messages, includ- avoid a loss. This may occur if we suspect that irregu-
ing calls via an autodialer or prerecorded calls, lar, unauthorized, or unlawfut activities may be
notwithstanding any state or federal law or regulation involved with your Account, whether or not we sus-
that would otherwise prevent us from engaging in this pect that you are directly or indirectty aware of these
activity without your consent. activities. Such restrictions shall be placed pending an
investigation of these activities.
Electronic Communication:
Any communication contemplated by this Agree- Set-Off:
ment may be delivered by electronic means if you You agree that we may, without prior notice or
have agreed to electronic notices rather than via US demand, apply or set off the funds in your Account at
mail or other means to the extent permitted by law. any time to pay off any debt, whether direct or indirect,
you have with us or any of our affiliates and/or any fees
Powers of Attorney: or service charges owed to us, and you grant us a secu-
If you wish to designate an attorney-in-fact, you rity interest in each Account to secure such debt, as it
must do so in a form acceptable to us. Subject to the
may arise. You expressly agree that such rights extend to
taws of your State, we reserve the right to refuse to
any Federal or state benefit payments (including without
honor any Power of Attorney presented to us, as well
limitation Social Security benefits) electronically
as to refuse to recognize a successor attorney-in-fact
deposited into your Account. You understand and agree
at any time, whether or not the successor attorney-in-
that i f you do not want your benefits applied in this way,
fact is specifically identified in the Power of Attorney.
you may change your direct deposit instructions to the
In addition, we reserve the right to refuse to follow
benefits payor at any time. If your Account is a joint
the instruction of an attorney-in-fact to designate the
account and one or more joint owners are indebted to
attorney-in-fact as a joint account holder, ITF benefi-
us in any manner, we may use the funds in the joint
ciary, or POD beneficiary to the Account. You agree
account to pay the debt without prior notice to you.
that we are authorized, but not required, to honor a
This right of set-off does not apply if the debt is cre-
Power of Attorney until we receive written notice (1)
ated under a consumer credit card plan or your right
that you have revoked the Power of Attorney or (2)
to withdraw funds from the Account arises onty in a
that the Power of Attorney has been revoked as a
representative capacity. You also acknowledge and agree
matter of state law, and that we have had a reason-
that any federal benefits or other payments deposited
able opportunity to act on that written notice.
to your Account after a date of ineligibility must be
returned to the Federal Government or other payor, as
Adverse Claims:
applicable, and we may set-off against any of your
Upon receipt of oral or written notice from any party
Accounts in order to recover any ineligible benefits or
of a claim regarding the Account, we may place a hold
payments you may have received if we are obligated to
on your Account and shatl be relieved of any and all
return funds to the payor. If we make a set-off against
liability for our failure or refusal to honor any item drawn
your Account, you agree to release and indemnify us
on your Account or any other withdrawal instruction.
from all liability for our actions.
We may fire an action in interpleader with respect to
If you or any joint owner draws a check or otherwise
any Account where we have been notified of disputed
authorizes withdrawals not presented for payment until
claims to that Account. If any person asserts that a
after the drawer's death, or if any joint owner is
dispute exists, we are not required to determine
indebted to us at the time of his or her death, we are
whether that dispute has merit in order to refuse to
authorized to pay such checks and withdrawals and
honor the item or withdrawal instruction, or to inter-
exercise our right of set-off against the Account after
plead any funds in the Account.
such joint owner's death, notwithstanding any rights

17
that a surviving joint owner, a POD payee or a bene- Notwithstanding any other provision herein, this
ficiary of an IIF or "trustee for" account may have to Agreement or any section of this Agreement may be
funds in the Account. changed or terminated without notice to the extent
necessary to comply with any law or regulation of any
No Waiver:
appropriate federal or state authority.
No failure by us to exercise any right will be taken
If a conflict exists between any provision of this
as a waiver of that right or any other right, and we may
Agreement and any statements made by any employee
still enforce all of our rights in the future.
of ours or our affiliates, this Agreement and the appli-
Closing Your Account: cable sections will control.
Either you or the Bank may close your Account at
Liability:
any time with or without cause. If you close your
You agree that we shall be relieved of any arid all
Account, you may be charged an Account Closing fee.
liability for acting upon your instructions or failing to act
We may automatically dose your Account if it
on your instructions when we reasonably believe that
reaches a zero balance. Any closed account may be
automatically reopened if we receive a deposit to the to do so would cause us to be exposed to civil or criminal
Account. If we dose your Account, we may send you Liability, or conflict with customary banking practices.
written notice that the Account is closed on the date YOU AGREE THAT WE SHALL NOT BE LIABLE
we close your Account. We will return the balance in FOR INDIRECT, SPECIAL OR CONSEQUENTIAL
your Account less any fees or service charges, claims, DAMAGES REGARDLESS OF THE FORM OF
setoffs or other amounts you owe us, if such net ACTION AND EVEN IF WE HAVE BEEN ADVISED
amount exceeds one dollar. Please allow four weeks OF THE POSSIBILITY OF SUCH DAMAGES.
to receive such funds from us. After your Account is IF WE FAIL TO STOP PAYMENT ON AN ITEM, OR
closed, we have no obligation to accept deposits or PAY AN ITEM BEARING AN UNAUTHORIZED SIG-
pay any outstanding checks. You agree that we shall NATURE, FORGED DRAWER'S SIGNATURE OR
be relieved of any and all liability for refusing to honor FORGED ENDORSEMENT OR ALTERATION, OUR
any check drawn on a closed Account. We have the LIABILITY, IF ANY, SHALL BE LIMITED TO THE FACE
right to advise consumer reporting agencies and other AMOUNT OF THE ITEM.•
third party reporting agencies of accounts closed for
misuse. Research and Legal Process:
If any legal process, including without limitation
Change in Account Agreement: any subpoena, writ of garnishment, execution or any
We may change the terms of this Agreement, levy, is served on us relating to you or your account,
including any fees or features of your Account, upon we are authorized to comply with the legal process,
notice sent to you via ordinary U.S. mail at least 30 and are not required to determine whether the court
calendar days prior to the effective date of the change; issuing the legal process had jurisdiction over you or
provided however, for automatically renewable CDs, over the account or otherwise had the authority to
no such change shall be effective prior to the renewal issue the Legal process. To the extent not prohibited
date, and such notice may be provided with ten days by applicable taw, you will be charged for research,
written notice prior to the renewal date. You agree reproduction and production of documents for our
that such notice may be provided to any joint account compliance with legal process and any other expenses
owner. By maintaining your Account after the effective
incurred by us in connection with our compliance,
date of any change, you agree to be bound by the
including but not limited to attorneys' fees.
changes. No notice is required for changes in the inter-
If any action, including administrative proceedings,
est rate and corresponding changes in the annual
garnishment, tax levies, restraining orders or other
percentage yield for variable rate accounts or in fees for
action is brought against you or your account, you agree
document printing.
to indemnify, defend and hold us harmless from all
Rules Governing Your Account: actions, 'claims, liabilities, tosses, costs and damages
Your Account is governed by all rules and regula- (including attorneys' fees) associated with our compli-
tions of applicable federal law and the laws of your ance with any legal process.
State (to the extent they are not considered to have
been preempted by federal law), including those that
Location of All Legal Proceedings:
may modify the terms of this Agreement. AR deposits, If you file any lawsuit or other legal proceeding
items transmitted for collection, and any other trans- against us that is connected in any way to your
actions concerning your Account are subject to appli- Accounts or services, you must do so in an appropriate
cable clearinghouse rules and Federal Reserve rules court in the state and county where you opened the
and regulations. account. If you relocate your Account to another

18
branch, you must file any lawsuit or proceeding in the BELOW, THOSE RIGHTS ARE WAIVED. OTHER RIGHTS
state and county where that branch is located. In THAT YOU WOULD HAVE IF YOU WENT TO COURT,
addition, if we file any lawsuit or legal proceeding that is SUCH AS THE RIGHT TO APPEAL AND TO CERTAIN
connected in any way to your Accounts or services, you TYPES OF DISCOVERY, MAY BE MORE LIMITED OR
consent to jurisdiction and venue in an appropriate MAY ALSO BE WAIVED.
court in the location described in this paragraph. If Either you or the Bank may, without the other's con-
either party chooses to have disputes determined under sent, elect mandatory, binding arbitration of any claim,
the section entitled Arbitration, that section rather than dispute or controversy raised by either you or the Bank
this section governs the process and location of the against the other, or against the employees, parents,
arbitration proceedings. subsidiaries, affiliates, beneficiaries, heirs, agents or
If you reside in a U.S. state where we have branch assigns of the other, arising from or relating in any way
offices, any account you open by mail, internet, or other to this Agreement, any prior account agreement
remote means will be assigned to a branch in the state between you and the Bank, or the advertising, the
where you reside, and for purposes of this section your application for, or the approval of your Account (the
account will be considered to be opened at that branch. "Claim" or "Claims"). All Claims originating from or
If you do not reside in a U.S. state where we have branch relating to this Agreement are subject to arbitration,
no matter what theory they are based on or what
offices, any account you open by mail, internet, or other
remedy they seek, whether legal or equitable. This
remote means will be considered to be opened in
includes Claims based on contract, tort (including
Franklin County, Ohio.
intentional tort), fraud, agency, negligence, statutory
Waiver of Immunity: or regulatory provisions, or any other sources of law,
To the extent that you have or hereafter may or any request for equitable relief.
acquire any immunity from jurisdiction of any court Claims subject to arbitration include Claims that are
or from any legal process (whether through service or made as counterclaims, cross claims, third party claims,
notice, attachment prior to judgment, attachment in interpleaders or otherwise, and any party to a proceed-
aid of execution, or otherwise) with respect to itself or ing in court may elect arbitration with respect to any
its property, you hereby irrevocably waive such immu- Claims advanced in the lawsuit by any party or parties.
nity in respect of your obligations hereunder to the As an exception to this arbitration provision, you
extent permitted by applicable law. Without limiting retain the right to pursue in a small claims court, any
the generality of the foregoing, you agree that such Claim that is within that court's jurisdiction and pro-
waivers shall have the fullest extent permitted under ceed on an individual basis.
the Foreign Sovereign Immunities Act of 1976 of the If you or the Bank elects to arbitrate a Claim, the
United States and are intended to be irrevocable for arbitration will be conducted as an individual action.
purpose of such act. Neither you nor the Bank consents or agrees to any
arbitration on a class or representative basis, and the
Arbitration: arbitrator shall have no authority to proceed with any
PLEASE READ THIS PROVISION CAREFULLY. IT arbitration on a class or representative basis. This arbi-
PROVIDES, WITH THE SPECIFIC EXCEPTION STATED tration provision applies to and includes any Claims
BELOW, THAT ANY DISPUTE MUST BE RESOLVED BY made and remedies sought as part of any class action,
BINDING ARBITRATION. ARBITRATION REPLACES THE private attorney general or other representative action,
RIGHT TO GO TO COURT. YOU WILL NOT BE ABLE TO which Claims hereby are made subject to arbitration
BRING A CLASS ACTION OR OTHER REPRESENTATIVE on an individual (non-class, non-representative) basis.
ACTION IN COURT, NOR WILL YOU BE ABLE TO This means that even if a class action lawsuit or other
BRING ANY CLAIM IN ARBITRATION AS A CLASS representative action, such as that in the form of a
ACTION OR OTHER REPRESENTATIVE ACTION. YOU private attorney general action, is filed, any Claim
WILL NOT BE ABLE TO BE PART OF ANY CLASS between you and the Bank related to this Agreement
ACTION OR OTHER REPRESENTATIVE ACTION raised in such lawsuits will be subject to an individual
BROUGHT BY ANYONE ELSE, OR TO BE REPRESENTED arbitration Claim if either you or the Bank so elects.
IN A CLASS ACTION OR OTHER REPRESENTATIVE The party filing a Claim in arbitration must select
ACTION. IN THE ABSENCE OF THIS ARBITRATION either one of two national arbitration administrators:
AGREEMENT, YOU AND THE BANK MIGHT OTHER- the National Arbitration Forum ("NAF") or the American
WISE HAVE HAD A RIGHT OR OPPORTUNITY TO Arbitration Association ("AAA"). The arbitration organi-
BRING CLAIMS IN A COURT, BEFORE A JUDGE OR zation that is selected will apply its code or procedures
JURY, AND/OR TO PARTICIPATE OR BE REPRESENTED in effect at the time the arbitration claim is filed,
IN A CASE FILED IN COURT BY OTHERS (INCLUDING unless any portion of that code or those procedures is
CLASS ACTIONS). EXCEPT AS OTHERWISE PROVIDED inconsistent with any specific terms of this arbitration

19
provision and/or this Agreement, in which case this wish to appear will take place at a location within the
arbitration provision and this Agreement shall prevail. federal judicial district that includes your address at the
The arbitration will be conducted before a single arbi- time the Claim is filed.
trator. The arbitrator will apply applicable substantive This arbitration provision is part of and constitutes
law, including but not limited to the applicable Uniform a transaction involving interstate commerce, and shall
Commercial Code, consistent with the Federal be governed by the FAA.
Arbitration Act, 9 U.S.C. §§ 1-16 ("FAA") and the appli- This arbitration provision applies to all Claims relat-
cable statute of limitations or condition precedent to ing to your Account that arose in the past, which may
suit, and will honor claims of privilege recognized at presently be in existence, or which may arise in the
law. The arbitrator will have the power to award to a future. This arbitration provision shall survive termina-
party any damages or other relief provided for under tion of your Account as well as voluntary payment of
applicable law, and will not have the power to award any outstanding indebtedness in full by you, or any
relief to, against or for the benefit of any person who bankruptcy by you. If we assign your Account to any
is not a party to the proceeding. The arbitrator's unaffiliated third party, this arbitration provision will
authority is limited solely to the Claim(s) between apply to any Claim between you and that third party if
you and the Bank alone. The arbitration may not be you or that third party chooses arbitration, or to any
consolidated with any other arbitration proceeding. Claim between you and the Bank which occurred prior
You and the Bank do not agree to any arbitration on to such assignment or arises from such assignment.
any basis to which any party other than you and the
Bank, the related parties enumerated above such as Successors and Assignments:
heirs, successors and assigns, or any other person This Agreement shall be binding on your personal
obligated on the Account, is involved. representative, executors, administrators, and succes-
Any decision rendered in such arbitration proceeding sors. The benefits and responsibilities of this Agreement
will be final and binding on the parties, unless a party shall also transfer to and be binding upon our succes-
appeals in writing to the arbitration organization within sors and assigns.
30 days of issuance of the award. The appeal must You may not transfer, assign or grant a security inter-
request a new arbitration before a panel of three neutral est in (collectively, "assign") your Account without our
arbitrators designated by the same arbitration organ- written consent, and no assignment will be valid, nor
ization. The panel will reconsider all factual and legal will we be deemed to have knowledge of or be bound
issues anew, follow the same rules and laws that apply by such assignment, until we have noted that fact in its
to a proceeding using a single arbitrator, and make deci- records. However, by noting the assignment, we do not
sions based on the vote of the majority. An award in attest to or have any responsibility for the validity of
arbitration will be enforceable as provided by the FAA the assignment. You understand that any assignment
or other applicable law by any court having jurisdiction. of your Account is subject to our right of set-off.
We will reimburse you for the initial arbitration filing
fee paid by you up to the amount of $500. If there is Authorization to Share Information:
a hearing, we will pay any fees of the arbitrator and You authorize us to share information about you
arbitration administrator for the first two days of that and your Account with affiliates and third parties, as
hearing. All other fees will be allocated in keeping with permitted by applicable federal and state laws.
the rules of the arbitration administrator and applica-
ble law. If you prevail in the arbitration of any Claim
against us, we will reimburse you for any fees you paid Check 21 - Substitute
to the arbitration organization in connection with the
arbitration. All other fees, including attorneys' fees,
Checks and Your Rights
will be allocated in keeping with the rules of the arbi- What is a substitute check?
tration administrator. Any decision rendered in such To make check processing faster, federal law permits
arbitration proceedings will be final and binding on banks to replace original checks with "substitute
the parties, and judgment may be entered in a court checks." These checks are similar in size to original
checks with a slightly reduced image of the front and
of competent jurisdiction. Rules and forms may be back of the original check. The front of a substitute
obtained from, and Claims may be filed with, either of check states: "This is a legal copy of your check. You can
the two organizations, as follows: the NAF at P.O.,Box use it the same way you would use the original check."
50191, Minneapolis, Minnesota 55405, web site at You may use a substitute check as proof of payment
www.arb-forum.com; or the AAA at 335 Madison just like the original check.
Avenue, Floor 10, New York, New York 10017, web site Some or all of the checks that you receive back from
at www.adr.org. Any arbitration hearing at which you us may be substitute checks. This notice describes rights

20
you have when you receive substitute checks from
Your claim must include -
us. The rights in this notice do not apply to original
• A description of why you have suffered a loss (for
checks or to electronic debits to your account. How-
example, you think the amount withdrawn was
ever, you have rights under other law with respect to
incorrect);
those transactions.
• An estimate of the amount of your toss;
What are your rights as a CONSUMER • An explanation of why the substitute check you
regarding substitute checks? received is insufficient to confirm that you suffered
In certain cases, federal law provides a special pro- a toss; and
cedure that allows you to request a refund for losses • The following information to help us identify the
you suffer if a substitute check is posted to your substitute check; the check number, the name of
account (for example, if you think that we withdrew the person to whom you wrote the check, and the
the wrong amount from your account or that we amount of the check.
withdrew money from your account more than once
for the same check). The losses you may attempt to
recover under this procedure may include the amount
that was withdrawn from your account and fees that
Important Endorsement
were charged as a result of the withdrawal (for example,
bounced check fees).
Standards for Personal
The amount of your refund under this procedure is and Business Accounts
limited to the amount of your loss or the amount of
the substitute check, whichever is less. You also are Your compliance with the Bank's endorsement stan-
entitled to interest on the amount of your refund if your dards is necessary to help assure that the checks you
account is an interest-bearing account. If your loss deposit will be cleared on a timely basis. The Bank's
exceeds the amount of the substitute check, you may endorsement standards are:
be able to recover additional amounts under other law.
• Customer endorsements must be placed in the
If you use this procedure, you may receive up to
1 14 inch area starting at the left side of the check;
$2,500 of your refund (plus interest if your account
earns interest) within 10 business days after we received • The remaining area of the check cannot contain
your claim and the remainder of your refund (plus any pre-printed stamped or handwritten cus-
interest if your account earns interest) not later than tomer information. The diagram below illustrates
45 calendar days after we received your claim. where the endorsements must appear to comply
We may reverse the refund (including any interest on with these endorsement standards; and
the refund) if we later are able to demonstrate that the • The check is viewed from the front as though it
substitute check was correctly posted to your account. is transparent.
How do you make a claim for a refund? Area used for payee
If you believe that you have suffered a loss relating endorsement.

to a substitute check that you received and that was 1

posted to your account, please contact us at: 1 0


1 % '8
46,...... n. 2
By Phone: English 1-800-935-9935 Reserved for
Bank Use
Spanish 1-877-312-4273 . -'`'::' ' i
/ 0,.. , . 2 s'
Hearing Impaired 1-800-242-7383 I
1 r„
1
You must contact us within 40 calendar days of the *--- 3 Inches --- Ir I.- VA Inches —>
date that we mailed (or otherwise delivered by a means 1

to which you agreed) the substitute check in question Area used for Area used for bank
subsequent collecting of first deposit. •
or the account statement showing that the substitute bank endorsement.

check was posted to your account, whichever is later.


We will extend this time period if you were not able
to make a timely claim because of extraordinary
circumstances.

21
6. For merchant purchases, we have the right to
Electronic Funds place a temporary hold on your Account, which
may affect available balances for purposes of
Transfer Services paying or honoring other items posting to your
We provide a variety of electronic funds transfer Account, in an amount equal to the authoriza-
(EFT) deposit account services. These include all trans- tion amount received through the payment au-
fers resulting from debit cards, ATM Cards, electronic thorization system. Occasionally, the merchant
payments, credits and transfers, telephone transfers does not provide sufficient information with
and on-tine banking transactions. In conjunction with the transaction to allow us to match the final
the use of these EFT services, we may issue to you an amount to the authorized amount. In these
access device, which may be a card, code or other cases the temporary hold will remain on your
means of accessing your Account to initiate EFTs. Account for three business days.
For Personal Accounts, EFT deposit account services 7. We have the right to refuse a transaction on
exclude wire transfer and other same day settlement yourAccount when your Card has been reported
funds transfer services and all other transactions which lost or stolen or when we reasonably believe
are not covered by Federal Reserve Regulation E. These there is unusual activity on your Account.
will be governed by a separate agreement. For Business
8. If you use your Card to access an Account that
Accounts, wire transfer and all other funds transfer or
is no longer available to complete a transaction,
other treasury services not identified in this section will
we may, at our sole discretion, charge or credit
be governed by a separate agreement.
the transaction to another Account.
Business Days—Everyday is a business day, except
Saturdays, Sundays, and State and Federal holidays. 9. If you use your Card to access an Account that
does not have sufficient funds to complete a
TYPES OF EFT SERVICES: transaction or that would exceed the daily
A. Access Cards. As a condition of opening your authorization limit attached to your Card, we
personal checking account, you understand and may, at our sole discretion, authorize the
agree that you will be issued a new Chase Debit transaction. If we authorize a transaction that
Card if you do not select a debit card or specialty overdraws your Account, we may assess a fee
debit card at the time of account opening. You and/or charge interest for any overdraft against
may use this debit card to access your new check-
your Account.
ing account. This feature may not be waived.
10. The exchange rate applied by Visa® or
When you open your new checking account at
the branch, if you do not select a Personal MasterCard® to Card transactions that oc-
Identification Number (PIN) for your new debit curred initially in a different currency will be
card, a randomly selected four-digit PIN will be (i) a rate selected by Visa or MasterCard from
sent to you. Activating your new debit card is not the range of rates available in wholesale
a condition of maintainingyour checking account. currency markets for the applicable central
When you activate your new debit card, any processing date, which rate may vary from the
temporary ATM Card that may have been issued rate Visa or MasterCard itself receives, or (ii) the
to you at the branch will be deactivated. Not government-mandated rate in effect for the
applicable for Chase Premier Platinum Checking' applicable central processing date. The rate in
and High School Checking. effect on the applicable processing date may
By using your ATM Card or debit card (the differ from the rate on the date you used your
"Card"), you agree that: Card. For purchases, ATM and non-ATM cash
1. Your Card remains our property and will be transactions, we will add three percent to the
surrendered immediately to us upon request. amount provided to us by Visa and MasterCard.
2. We may cancel your Card at any time without 11. You shall not use your Card to initiate a trans-
notice. action involving Internet gambling or illegal
3. You shall abide by our rules and regulations activities, regardless of the jurisdiction in which
relating to the use of your Card. you are located, including locations within the
4. You shalt notify us promptly by telephone or United States, and we have the right to reffise
in writing of the loss of your Card. a transaction which we reasonably believe
5. You shall not reveal your Card or access code involves Internet gambling or illegal activities.
associated with your Card (personal identifi-
cation number or "PIN") to any person not Uses of Your Card:
authorized by you to use your Card and to not (1) You can use your Card (except for deposit
write your PIN number on your Card or on any
only Business ATM Cards) to perform the fol-
item kept with your Card.
lowing services at:
22
a. Chase branded ATMs to: account number or expiration date has been
• Withdraw cash from your designated check- changed or your Account has been dosed.
ing and savings accounts. • If you request Emergency Services, you agree
• Transfer funds between your designated to the release of personal data to Visa U.S.A.
checking and savings accounts. Inc., MasterCard and its member financial insti-
• Find out your designated checking and sav- tution and/or their respective contractors for the
ings account balances. purposes of providing the Emergency Services.

• Make deposits to your designated checking • If you provide authorization to a merchant to


and savings accounts. bill charges on a recurring basis to your Card,
• Make payments to qualifying Chase Credit and if a replacement Card has been issued to
Card, auto, home, business and personal you, you must provide that merchant with your
loan products. new card number and/or expiration date in order
to bill the recurring charges to your Card. We
• Obtain a statement at participating ATMs
will make an effort to make available to the mer-
where available.
chant through Visa/MasterCard your account
b. Non-Chase ATMs to:
number, and/or expiration date in order to
Use your Card at participating networks. Use
permit the merchant to continue to bill the
of your Card may vary depending on the location
recurring changes to your Card until you notify
and type of ATM you are using and the EFT net-
the merchant and us that you have withdrawn
work through which the transaction is being
your authorization.
performed. A specific ATM or EFT network may
not perform or permit all the above transac- (4) Point-of-Sale Terminal Transactions:
You may use your Card (except for the Business
tions. Transactions at non-Chase ATMs may be
ATM Card (deposit only)) to access your primary
subject to a surcharge assessed by the terminal
checking account to:
owner. In addition, a specific ATM or EFT net-
work may not provide you with access to all of • Purchase goods and services from merchants
your Accounts based on the policies of the and ATMs who have agreed to accept your
ATM-owning institution. Withdrawals from Card as a means of payment.
ATMs outside the United States generally do • Withdraw cash in conjunction with a purchase of
not allow savings or money market access. If goods or services if permitted by the merchant.
you have questions regarding whether a certain • Perform balance inquiries on your primary
ATM or EFT network will process a transaction, checking account if permitted by the merchant.
call or write us.
(2) Business ATM Card (deposit only): Limitations on Transfers, Amounts, and
You may use your Business ATM Card (deposit only) Frequency of Transactions:
to make deposits to your designated checking and
(1) You may make only 6 preauthorized withdrawals
savings accounts at full service Chase branded ATMs.
(including, but not limited to, withdrawals made
(3) In addition to the services listed above, you by ACH, telephone, Internet or wire) from your
may use your Card: regular savings account or 6 preauthorized with-
• At any financial institution that honors your Card drawals (no more than 3 of which may be by check
to obtain non-ATM cash, which may not exceed or similar order payable to a third party) from your
your daily authorization limit and will be charged money market deposit savings account monthly
to your primary checking account. Transactions for purposes of making a payment to a third party.
exceeding this limit may require the financial We are not considered a third party for purposes
institution to phone the Bank for approval. of this limitation where the transfers are for pur-
poses of re-paying loans and associated expenses.
• To purchase goods and services from merchants
who accept your Card as a means of payment. (2) You may make cash withdrawals, not to exceed
Purchases may not exceed your daily authori- your daily authorization limit, at any ATMs
zation limit and are charged against your described above.
primary checking account. If you have arranged (3) You may make Point-of-Sale transactions in
with your merchant to pay for your purchases amounts not to exceed your daily authorization
via periodic payments, this is an agreement limit.
between you and the merchant and you agree (4) If your Account is not in an active status, purchases
that you must notify the merchant if your made with your Card and ATM transactions will be
23 suspended.
(5) A Privileges Debit Card or Business Associate Debit D. Telephone Banking. You may use our auto-
Card may be issued at your request to allow mated customer service system or speak directly to
authorized non-signers to access your designated a Telephone Banker to request us to make periodic
checking or savings accounts. The maximum daily transfers from your Account to another checking or
dollar limit for ATM cash withdrawals and Point- savings account held by us. You may also make
of-Sale transactions will be selected by you at the periodic transfers from your Account to pay certain
time you request the card. For Privileges Debit loans, lines of credit, or credit cards you have with
Cards, these dollar limits will be monthly instead us or with our affiliates. To use the automated sys-
of daily. tern you must have a checking, savings, money
market, CD, loan account or a Debit Card and a
Your Right to Receive Documentation or valid password or PIN. Business account holders
Notice of Transactions: may also use a valid TIN. You agree not to reveal
your account number, Debit Card number, pass-
You will receive a receipt or have the option to
word, PIN or TIN to any person not authorized by
receive a receipt at our ATMs and the other ATMs that
you to use the automated system. To use the serv-
accept your Card each time you make a transaction.
ice, enter your account number or Debit Card
The receipt will indicate the location of the ATM (by number and password, PIN or TIN as directed. Then
code in some cases), the transaction date and type,
follow the options.
the amount, and the last four digits of your Card
account number. Overdraft Protection Transfers. To obtain
You will receive an account statement each month Overdraft Protection you must have a checking
for your accounts that are accessible by electronic account with us. You must also have a savings
funds transfers if such transfers occur during the account, qualifying credit card, or qualifying home
month, but at least quarterly if no such transfers occur. equity, Prestige or business line of credit ("Funding
If you have arranged to have direct deposits made Account"). We are able to transfer funds from a
to your account at least once every 60 days from the Funding Account to your checking account to help
same person, company or governmental agency, you prevent overdrafts from occurring.
can call us to find out whether or not the deposit has
been made. When calling us, please provide us with IN CASE OF ERRORS OR QUESTIONS
your account number and the amount and date of the ABOUT YOUR ELECTRONIC FUNDS
last deposit. TRANSFERS:
B. Payments, Credits and Transfers. We are For Personal Accounts Only:
able to electronically transfer funds between your Telephone or write us at the telephone number or
Accounts, or from your Account to other parties address set forth in the address and telephone num-
and to receive funds electronically from other parties bers section if you think your statement or receipt is
for deposit to your Account. We may do this by wrong, or if you need more information about a trans-
"ACH" (as a member of a local or national Auto- action listed on the statement or receipt. We must hear
mated Clearing House Association) and other EFT from you NO LATER than 60 days after we sent you
networks. You may authorize a merchant or other the FIRST statement on which the problem or error
payee to make a one-time electronic payment from appeared. In your communication to us, be prepared
your checking account using information from your to provide us with the following information:
check to pay for purchases or pay . bills.
1. Your name and account number.
C. Online Bill Payment and Transfer Services. 2. A description of the error or the transfer you
You may use the Internet to electronically direct us are unsure about, why you believe it is an error
to make payments from your checking account to or why you need more information.
third parties ("payees") whom you have selected in
3. The dollar amount of the suspected error.
advance to receive payment by means of the online
bill payment service. You must have a checking If you initially provide this information to us via the
account with us to use this service. If you have mul- telephone, we may require that you send your com-
tiple accounts with us, you may also direct us to plaint or question in writing within 10 business days.
make transfers between your accounts by means of We will advise you of the results of our investigation
the online transfer service. To gain access to these within 10 business days (or 20 business days if your
online services, go to our websites and enroll with Account was opened less than 30 days prior to the date
your eligible Bank accounts. Additional disclosures of the suspected error) after we hear from you and, if
and specific terms and conditions for using the we have made an error, we will correct it promptly. If it
online services will be provided when you enroll. takes us longer than 10 business days (or 20 business
24
days if your Account was opened less than 30 days prior using your personal computer to cancel the
to the date of the suspected error) to research your transaction, you may stop a bill payment that is
complaint or problem, we must provisionally recredit "Pending" at any time prior to four business days
your Account within such time for the amount you before the Payment Due Date. To stop bill pay-
think is in error so that you will have the use of the ments that are "In Process" please call the
money during the time it takes us to conclude our Customer Service Department at 1-877-CHASE
investigation. If we ask you to put your question or PC (1-877-24Z-7372). See your Online Bill
complaint in writing, and do not receive it within 10 Payment Agreement for information concerning
business days, we may not recredit your Account. "Pending" and "In Process" transactions.)
At the conclusion of our investigation, we will inform 2. If you call, we may require you to put your
you of our results within three (3) business days. If we request in writing so that it reaches us within
determine that there was no error, we will send you a 14 days after your call.
written explanation. You may ask for copies of the doc-
3. You may be charged the current stop payment
uments that we used in our investigation. In all cases,
fee for each stop payment order you give us.
our investigation will be completed within 45 days (or
If these regular payments vary in amount, the per-
90 days if your Account was opened less than 30 days
son you are going to pay will tell you, 10 days before
prior to the date of the suspected error or occurred at a
each payment, when it will be made and how much it
point-of-sale location or outside the United States).
will be. You may choose instead to get this notice only
THE BANK'S LIABILITY FOR FAILURE TO when the payment would differ by more than a certain
amount from the previous payment, or when the
COMPLETE TRANSACTIONS:
amount would fall outside certain limits that you set.
If we do not complete a transaction from your If you order us to stop one of these payments three
account on time or in a correct amount, according to business days or more before the transfer is scheduled,
our Agreement with you, we will be liable for your and it does not do so, we will be liable for your losses
Losses or damages. or damages.
However, there are some exceptions. For instance,
we will not be liable if: DISCLOSURE OF ACCOUNT
1. Through no fault of ours, you do not have
INFORMATION TO THIRD PARTIES:
We may disclose information to third parties about
enough available funds in your account to make
your account or the transfers you made:
the transaction.
As necessary to complete transactions.
2. The ATM where you are making the transfer does
not have enough cash. 2. In connection with the investigation of any claim
you initiate.
3. The ATM was not working properly and you
3. To comply with government agency or court
knew about the breakdown when you started
orders.
the transaction.
4. In accordance with your written permission.
4. Circumstances beyond our control (such as fire
or flood) prevent the transaction, despite rea- 5. As otherwise permitted by the terms of the
sonable precautions that we have taken. Bank's Privacy Policy.
Our Privacy Policy is also available on Chase.com.
5. In the case of preauthorized credits, the data
from the third party is not received, is incom-
NOTICE OF YOUR RIGHTS AND
plete or erroneous, or if the recipient is deceased.
LIABILITIES:
6. Your Account is not in an active status.
For Personal Accounts Only:
STOP PAYMENT FOR Tell us AT ONCE if you believe your Carr:, PIN or
code has been lost or stolen. Telephoning us is the
PREAUTHORIZED TRANSFERS:
best and fastest way of keeping your possible tosses to
If you have arranged, in advance, to make regular a minimum.
periodic payments out of your Account, you can stop If you tell us within two business days, you cen lose
any of those payments by following these procedures: no more than $50.00 if someone used your Card, PIN
1. Call or write us at the telephone number or or code without your permission. If you do NOT tell us
address set forth in the address and telephone within two business days after you learn of the toss or
numbers section, in time for us to receive your theft of your Card, PIN or code and we can prove we
request three or more business days before the could have stopped the unauthorized transactions if
payment is scheduled to be made. (Note: By you had told us, you could lose as much as $500.00.

25
If your statement shows electronic funds transfers • You will provide a valid telephone number,
that you did not make, tell us at once. If you do not tell e-mail address or other delivery Location for
us within 60 days after the statement was mailed to these services so we can send you certain infor-
you, you may be Liable for transactions posting after mation- about your account.
the 60 days if we can prove that we could have pre- • We may send Alerts or Chase Mobile messages
vented the transactions if you had told us in time. through your communication service provider,
If a good reason (such as a long trip or a hospital who will act as your agent and deliver them to
stay) kept you from telling us, let us know. We will you. Messages may be delayed or affected by your
extend the time periods. communication service provider(s) or others.
• We will not charge a fee for the Alerts or Chase
For Business Accounts Only: Mobile text services, but you are responsible for
A. You agree to assist us in the investigation and any and all charges, including, but not Limited to,
prosecution of claims for unauthorized transactions fees associated with text messaging imposed by
by completing the appropriate statements and your communication service provider. Standard
reports reasonably requested by us. messaging charges apply. Such charges include
B. You agree to notify us promptly in writing of any those from your communication service
user of a Card who is no longer employed by you provider. Message frequency depends on user
or authorized to conduct business on your behalf. preferences. To cancel the Chase Mobile text
messaging services, send STOP to 24273 at
C. You agree that by allowing anyone to use your
any time. For help or information on the Chase
Card, you will be responsible for all authorized and
Mobile text messaging services, send HELP to
unauthorized transactions made through the use
24273. For additional assistance with these services,
of your Card.
contact customer service at 1-877-242-7372.
D. Liability for unauthorized transactions, including • Alerts and Chase Mobile are provided for your
electronic funds transfers, shall be governed by convenience and do not replace your monthly
Section II of this Agreement, entitled "Deposit account statement(s), which are the official
Account Agreement.' records of your accounts.
. , • You understand we may not encrypt information
Special Provisions for Card Transactions:
• when it is sent to you through these services.
If in the event your Card or Card number is lost, This information may include personal or confi-
stolen, or used without authorization, you are not Liable dential information about you, such as account
for any unauthorized transactions including transac- activity or the status of your account, and for
tions made at merchants, over the telephone, at ATMs, phone Alerts, may be delivered to voicemail or
or online when you notify the Bank promptly. answering machines if someone doesn't answer
However, these Special Provisions do not apply the number you provide.
and are not covered by our Zero Liability policy (in You understand we are not Liable for losses or
which case the Bank may impose greater liability on damages from any disclosure of account information
the cardholder) when they include transactions where to third parties, non-delivery, delayed delivery,
you were grossly negligent or fraudulent in the handling misdirected delivery or mishandling of, or inaccurate
of the account or Card, where you have given someone content in, the Alerts or the account information sent
else your Card, Card number or PIN, or where you delay thru Chase Mobile. The Chase Mobile text messaging
in reporting unauthorized transactions for more than service may only be activated by customers with
sixty days. eligible accounts. While you have to have an eligible
account to use the Chase Mobile text messaging
service, once you activate the service, if you -have
Alerts and Chase Mobile s other types of accounts with us, you may have access
to those other accounts as well.
Services You agree to indemnify us for all claims, losses,
liability, costs and expenses (including reasonable
If you receive or otherwise use the Alerts service or
attorneys' fees) that arise if you provide an incorrect
Chase Mobile service, you agree to the following
telephone number, e-mail address or other delivery
terms. If you are enrolled in Chase Online, the terms
Location or if you violate applicable federal, state
of the Online Service Agreement control the terms of
or local Laws, regulations or ordinances. You under-
these services instead.
stand this section will survive even if this Agreement
is terminated.

26
member Agreement for personal or your Business
Overdraft Protection Credit Card Cardmember Agreement for business
Services customers. If the Funding Account is a Line of
Credit Account or Overdraft Line of Credit Account,
You must separately sign up for Overdraft Protec- Transfers will be charged to the Line of Credit
tion as it does not automatically apply to new Account or Overdraft Line of Credit Account, under
accounts. the terms disclosed in your Home Equity or
1. Definitions: As used in this Overdraft Protection Prestige agreement, or Business Line of Credit or
Business Overdraft Line of Credit loan documents.
Services section, the following terms shall have
Transfers will appear on the periodic statements
the following meanings:
for the applicable Checking Account and the Funding
"You" or "your" means the person(s) or entity who
Account. We have no obligation to inform the
has requested Overdraft Protection or Business
checking account owner if the status of the Fund-
Overdraft Protection ("Request"). "Overdraft
ing Account or actions of the Funding Account
Protection" means the automated funds transfer
owner results in the Overdraft Protection being
service established pursuant to the Request and this unavailable.
section. "Funding Account" means the account
4. Maximum Overdraft Protection Amount: The
from which Overdraft Protection transfers are
maximum amount of a Transfer ("Maximum
made. "Checking Account(s)" means one or more
Transfer") will be the available balance in the Sav-
personal checking accounts for which Overdraft
ings Account, the available credit under the Credit
Protection is requested or one or more Business
Card Account or the available credit under the
checking accounts for which Business Overdraft
Line of Credit Account at the time of a Request
Protection is requested, as designated on the
Request for Overdraft Protection. as applicable. In no event shall a Transfer exceed
the Maximum Transfer. If the amount of the
2. Overdraft Protection Request: The Request must
Transfer calculated in paragraph three above
specify the Checking Account(s) and a single
exceeds the Maximum Transfer, then notwith-
Funding Account. For personal accounts, the Funding
standing the provisions of paragraph three, the
Account may be a personal savings account at the Transfer will be an amount equal to cover the
Bank ("Savings Account"), a qualifying credit card amount overdrawn (which includes the Transfer
account at Chase Bank USA, N.A. ("Credit Card
Fee) for those checks or other customer initiated
Account"), a Home Equity Line of Credit at the transactions paid as a result of the Transfer.
Bank ("Line of Credit Account"), or a Prestige Line
5. Fees: For each day on which a Transfer occurs,
of Credit at the Bank ("Line of Credit Account").
an Overdraft Protection Transfer fee will be
For business accounts, the Funding Account may
charged to each Checking Account that receives
be a Business savings account at the Bank ("Savings
a Transfer.
Account"), a credit card at Chase Bank USA, N.A.
("Credit Card") or a Business Line of Credit at the 6. Limits On Savings Account Transfers: If the
Bank ("Line of Credit Account") or Business Funding Account is a Savings Account, Transfers
Overdraft Line of Credit at the Bank ("Overdraft from the Savings Account are considered "pre-
Line of Credit Account"). Overdraft Protection will authorized transfers." The number of such Transfers
become effective after the Bank has received your that may be made during each month or each
Request and had a reasonable time to act upon it. statement cycle is limited in accordance with
federal regulations and our Account Agreement
3. Activation: Whenever checks or other customer
for deposit accounts. See the Withdrawal
initiated transactions are drawn on a Checking
Procedures and Limitations section for more detail.
Account which, if paid, would cause the Checking
Account to become overdrawn, such event will Termination Of Overdraft Protection By The
constitute a transfer request and we will initiate a Bank: We may terminate Overdraft Protection for
transfer ("Transfer") from the Funding Account to a Checking Account at any time upon sending
the Checking Account in multiples of $50.00 written notice to the last address for the Checking
(which includes the Transfer Fee) sufficient to pay Account shown on our records. If the Funding
those checks or other customer initiated transac- Account is closed or blocked for usage, Overdraft
tions drawn on the Checking Account. If the Protection will not be availabte. If a Checking
Funding Account is a Credit Card Account, Transfers Account is closed or blocked for usage, Overdraft
will be charged to the Credit Card Account under Protection for that Checking Account will not be
the terms disclosed in your credit card Card- available.

27
8. Termination Of Card Privileges: We may termi- • We keep information under physical, electronic
nate or block the use of a Card with access to or procedural controls that comply with or
a Checking Account when, at our discretion, we exceed governmental standards.
reasonably believe that there is unusual Overdraft • We authorize our employees, agents and con-
Protection activity for that Checking Account. tractors to get information about you only
9. Termination Of Overdraft Protection By when they need it to do their work for us.
Customers: The owner of a Checking Account or • We require companies working for us to protect
a Funding Account may cancel Overdraft information. They agree to use it only to provide
Protection for that Checking Account by request- the services we ask them to perform for us.
ing the cancellation in person at a branch or by
delivering to us written notice of cancellation. Any ="Ear"—
e wi .1 your
cancellation under this paragraph nine will be family of companies?
effective after we have received notice of such can- A. Yes. We may share information about you
cellation and had a reasonable time to act upon it. within our family as required or permitted by
10. Transfer Requests For Multiple Checking law. This helps us to offer you financial products and
Accounts: If transfer requests occur with respect services, such as loans, deposits, investments, credit
to more than one of the Checking Account(s) on cards and insurance.
the same day, we shall have sole discretion in deter-
Q. Is in ormation a . out me s are. wit serv-
mining the order in which such transfer requests
ice providers and financial companies outside
are processed.
your family of companies?
A. Yes, as permitted by law. We may share informa-
tion about you with outside companies that work for
us. These may include firms that assist in marketing
SECTION III: our products. We may also share information about
you with outside financial companies that have joint

Chase Privacy Polk marketing agreements with us. These arrangements


give you the opportunity to receive additional prod-
This Policy explains what Chase does to keep infor- ucts or services.
mation about you private and secure. We want you
to know how we manage that information to serve Q. Is in ormation a .out me s are. wit non-
you and that you have choices about how it is shared. financial companies outside your family of
This Policy covers our family of companies, a partial companies?
List of which is contained at the end of this Policy. A. Yes. We may share information about you with
Please read this Policy carefully. companies outside of our family as permitted by law,
including retailers, auto dealers, auto makers, direct
Q. What information do you have about me? marketers, membership clubs and publishers.
A. To provide services and to help meet your needs,
we collect information about you from various
-117;n717
ir 17;3;7:
ways?
sources.
We get information from your requests for our A. Yes. We may also share information about you in
products or services. One example is income other ways, as required or permitted bylaw. Here are
on loan applications. some examples of ways that we share information.

We get information about your transactions • To protect against fraud.


with us and with others. For example, we have • To respond to a subpoena.
your account balance information. • To service your account.
We get information, such as your credit history, • To report to a credit bureau.
from credit bureaus. • With your consent.

irri3;-a7Fu"117;5117r1A7Gati;;;rniroTii
me?

A. We take a number of steps to protect the privacy of


information about you. Here are some examples:

28
(7:7-
kf FaCEOG;1;71-77;111:71ATR;1137; Q. How do I tell you about my privacy choices?'
chnvh•Ber nnel
.1144 .4 Bs UM BY mac .
A. You may contact us by:
A. We offer you the following two choices about • Calling us toll-free at 1-888-868-8618, or
sharing information that identifies you: • For hearing impaired assistance, dialing 7-1-1,
Choice #1. Third party sharing: You may tell then 1-888-868-8618 and wait for operator
us not to share information about you with assistance, or
non-financial companies outside of our family • Writing us at P.O. Box 260177, Baton Rouge,
of companies. Even if you do tell us not to LA 70826-0177
share, we may do so as required or permitted
by law. Also if you have authorized us to share You do not need to contact us unless you want to
information in connection with a particular make one of the privacy choices listed above
product or service, we will continue to share
information about you in connection with
that product or service. For example, you Q. What about joint accounts?
might have a credit card with one of our air- A. Each person may separately make privacy choice
line, retail or university partners that offers and joint account holders may make privacy choices
rewards programs. for each other. If only one joint account holder makes
and a privacy choice, information about the other joint
Choice #2. Affiliate sharing: You may tell us account holder may be shared.
not to share the following information about
Q. How do you teU me about your Policy?
you within our family of companies:
A. We send our Policy to you when you open a new
• Information from your applications to be
account. We also send it to current customers yearly.
used to determine your eligibility, such as
We may change our Policy. We will send you a new
your income.
policy if we broaden our information sharing prac-
• Information from consumer credit reports, tices about you. Our Policy is available at
such as your credit history. www.Chase.com/privacy.
• Information from sources used to verify in-
formation you provide us, such as out- Special Notice for Vermont Residents.
standing loans or employment history. In order to comply with Vermont taw, we will auto-
Even if you do tell us not to share, we may matically treat accounts with Vermont mailing
share other types of information within our addresses as if you have made the privacy choices
family. For example, we may share name and listed above. In addition, if we disclose information
address, information about transactions or about you to other financial institutions with which
balances with us, as well as survey results. we have joint marketing agreements, we will only
and disclose your name, contact information and infor-
Choice #3. Affiliate marketing: You may tell us mation about your transactions.
to limit our family of companies, such as our
credit card and securities affiliates, from Special Notice for California Residents.
marketing their products and services to you In order to comply with California taw, the following
if you do not have an account or business applies if your account has a California mailing
relationship with them. These marketing offers address.
are based on your personal information that
Even if you do not make privacy choice #1 listed
our affiliate receives from another Chase
above, we will not share information that we
company; this information includes your
have about you with non-financial companies
income, your account history with us and your
outside our family of companies, unless other-
credit history with us. Your choice to limit these
marketing offers will apply for five years from wise permitted bylaw.
when you tell us your choice. After five years, We will not share information about you with-
you will receive a renewal notice from us that in, or with financial companies outside, our
will allow you to continue to limit our affiliate family of companies unless we first provide you
marketing. with further privacy choices or unless otherwise
permitted by taw.

29
Q. Who is covered by this Policy?

A. This Policy covers the JPMorgan Chase & Co.


family of companies. The following is a partial list of
its U.S. consumer financial services companies.
• JPMorgan Chase Bank, N.A.
• JPMorgan Insurance Agency, Inc.
• J.P. Morgan Securities Inc.
• Chase Bank USA, NA.
• Chase Auto Finance Corp.
• Chase Home Finance LLC
• Chase Investment Services Corp.
• Chase Insurance Agency, Inc.
• Banc One Acceptance Corp.
• Bank One Education Finance Corporation
• Chase Student Loan Services, Inc.
• CSL Servicing LLC
• Chase Paymentech Solutions, LLC
• Chase Bankcard Services, Inc.
• WaMu Insurance Services, Inc.
• WaMu Investments, Inc.
• WMFS Insurance Services, Inc.

This Policy applies to current and former consumer


customers including Chase accounts acquired from
Washington Mutual. Separate policies may apply to
customers of certain businesses, such as J.P. Morgan's
Private Bank or J.P. Morgan's Private Wealth
Management. In addition, customers in certain
states may also receive policies that apply to them.
The privacy' policies posted on our websites apply
when you use those sites. In addition, our
online consumer information practices are at
www.Chase.com/privacy.

30
Index
Alerts and Chase Mobile' Services 26
ATM Safety 6
Business Checking and Savings Accounts — Features Separate Handout
CDs and Retirement CDs Separate Handout, 7, 11
Checks Converted to Images — Check 21 20
Check Endorsements 21
Checks 4, 8, 10, 12
Debit Cards 5, 22
Deposits 3, 8, 9
Electronic Funds Transfer Services (EFT) 22
Errors, Forgeries and Unauthorized Signatures 2, 13, 21, 24

Fee Schedule — Miscellaneous Separate Handout


Forms of Account Ownership 15
Funds Availability Separate Handout

Inactive and Unclaimed Accounts 7


Insufficient Funds Separate Handout, 4, 10
Interest 14
Interest Rates Separate Handout
Legal Proceedings and Expenses 17
Overdraft Protection 5, 27
Personal Checking and Savings Accounts — Feature Separate Handout
Posting Order 4,10
Powers of Attorney 17
Privacy Policy 28
Returned Item Separate Handout, 4, 11
Right to Apply Funds (set off) for Outstanding Debt 17
Right to Ask for Personal Information at Account Opening (Patriot Act) 7

Right to Place a Hold for Adverse Claims 17


Right to Resolve Disputes by Arbitration 19
Safeguarding Your Account 2, 6
Spanish Language Preference 7
Statements 2, 12, 13
Stop Payments 5, 12, 25
Withdrawal Limits on Savings Accounts (Regulation D) 5, 9, 23

31
How to contact us:
Personal Accounts: Addresses:
Main Phone number: 1-800-935-9935 JPMorgan Chase Bank, NA.
Spanish: 1-877-31CHASE P.O. Box 260180
(1-877-312-4273) Baton Rouge, LA 70826-0180

Business Accounts: If you believe your debit card has been lost or
Main Phone number: 1-800-CHASE38 stolen, or for information about purchase and
(1-800-242-7338) ATM transactions, call us at the telephone
Spanish: 1-888-622-4273 numbers listed here or write:

Hearing Impaired: 1-800-CHASE TD Chase


(1-800-242-7383) Regulation E, TX1-2551
Card and ATM Operations
International Calls: 1-713-262-1679 P.O. Box 620002
Dallas, TX 75262-9802
Web Site: Chase.com
In case of errors or questions about your electronic
funds transfers (EFT), call 1-866-564-2262.

CHASE 0

CATALOG #RR123108ENG
(Effective 12/31/2008)
EQUAL HOUS1NG
© 2008 JPMorgan Chase Bank, NA., Member FDIC

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