Account Agreement

Date:---=0...,_7.._/-=l..._7.._/-=2..0.-=.1.1. _

image

Institution Name & A dd re s.,s

FIRST FLORIDA INTEGRITY BANK PINE RIDGE OFFICE

3580 PINE RIDGE ROAD

NAPLES, FL 34109-0000


Owner/Signer Information

Name

JOSEPH J BRISTER

Relationship

AUTHORIZED SIGNER

Address

1210 NEW MARKET RD W

I OKALEE F 34142

Moiling Address

!if different)

Gov't Issued Photo ID

!type , number. state, issue date, exp. dateJ

DL# B623490660500

F Is 12

Other ID (description, details)

Employer

BRISTER FUNERAL HOME


(For consumer accounts, select and initial.)

D Single-Party Account D Multiple-Party Account _

D Multiple-Party Account - Tenancy by the Entireties _

D Sole Proprietorship or Single Member LLC D Partnership

D LLC-enter tax classification (D C Corp D S Corp D Partnership)

D C Corporation D S Corporation PUBLIC FUNDS

D Trust-Separate Agreement Dated:-------------

D

Institution Name & A dd re s.,s

FIRST FLORIDA INTEGRITY BANK PINE RIDGE OFFICE

3580 PINE RIDGE ROAD

NAPLES, FL 34109-0000


Owner/Signer Information

Name

JOSEPH J BRISTER

Relationship

AUTHORIZED SIGNER

Address

1210 NEW MARKET RD W

I OKALEE F 34142

Moiling Address

!if different)

Gov't Issued Photo ID

!type , number. state, issue date, exp. dateJ

DL# B623490660500

F Is 12

Other ID (description, details)

Employer

BRISTER FUNERAL HOME


(For consumer accounts, select and initial.)

D Single-Party Account D Multiple-Party Account _

D Multiple-Party Account - Tenancy by the Entireties _

D Sole Proprietorship or Single Member LLC D Partnership

D LLC-enter tax classification (D C Corp D S Corp D Partnership)

D C Corporation D S Corporation PUBLIC FUNDS

D Trust-Separate Agreement Dated:-------------

D

.------------------------------,


IMMOKALEE WATER AND SEWER DISTRICT 1020 SANITATION RD

IMMOKALEE,FL 34142


Enter Non-Individual Owner Information on page 2. There is additional

Owner/Signer Information space on page 2.

D If checked, this is a temporary account agreement.

Number of signatures required for withdrawa l: .2.,,....

s ; nautr(Sj

The undersigned authorize the financial institution to investigate credit and employment history and obtain reports from consumer reporting agency(ies) on them as individuals. Except as otherwise provided by law or other documents, each of the undersigned is authorized to make

image withdrawals from the account(s), provided the required number of signatures indicated above is satisfied. The undersigned personally and as, or on behalf of, the account owner(s) agree to the terms of, and acknow ledge receipt of copy(ies] of, this document and the following:

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IX! Terms & Conditions D

Electronic Fund Transfers


Truth in Savings

Privacy


IXI Funds Availability Substitute Checks

D Common Features IXI Fee Schedule


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0 Convenience Account Agent (See Owner/Signer Information for Convenience Account Agent designation(s).J


The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.



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Beneficiary Des;gnatio1,,

(Check appropriate ownership above - select and initial below.)

D Single-Party Account

D Single-Party Account with Pay-On-Death (POD)

D Multiple-Party Account with Right of Survivorship

(1 ): [x ]

JOSEPH J BRISTER

I.D. # 52 -.12-241B D.O.B. 02/10/1266

image image

[2): [x ]

PATRICIA ANNE GOODNIGHT

D Multiple-Party Account with Right of Survivorship and POD _

D Multiple-Party Account without Right of Survivorship

0

Beneficiary Name{s), Address{es), and SSN(4J

(Check appropriate beneficiary designation above.)


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Signature Card-FL

Bankers Sys1ems TM VMP ®

Wolters Kluwer Financial Services ©2015


(3):


(4):

I.D. # 267-76-lJl,2 D.O.B. ;!,l/06/1244

image image

[x ]

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BONNIE SKEEN

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I.D. # 266-80-2994 0.0.B. 02/.14/1947


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[x ]

FRED N THOMAS JR

I.D. # 089 -30 -3949 D.O.B. 10/12/1939


MPMP-LAZ-FL 3/15/2016

Page 1 of 2

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- - - - - -

Owner/Signer liiformlition 2

Name

Relationship Address

Nan-h,dlvidm-JI Owner l11fo11rwtio11

f'..:ame IMM KALEE WATER AND SEWER DI TRIC

State,'Country &. Date of Organization


Mailing Address (if different!


Gov't Issued Photo ID 11ype, number, state. issue date, exp. date)

Other ID

!description, details!

IMMOKALEE FL 34142


DL# G352681449060

FL Is 10 1 2012 Ex ll 06 2020


UNEMPLOYED

Nature of Business


Address


Mailing Address N different)

WATER & SEWER

1020 SANITATIO N RD IMMOKALEE FL 34142



Name

Relationship Address


Mailing Address M different)


Gov't Issued Photo ID (type, number, state, issue date, exp. da1ej

Other ID (description, details!


BONNIE SKEEN AUTHORIZED SIGNER 15 21 W ROBERTS AVE Ill'!MOKALEE FL 34142


DL#K500077475540

FL Is 12 10 2 12 Ex 02 14 2021

CDA

CD 48 59 MONTH >


SerVtces Requested

255117

$515.925,31

  1. Cash :J Check

    XI TRANSFER - CH

    $ ----------

  2. Cash D Check

[]

$ ----------

0 Cash LJ Check

[]

ELF EMPLOYED INDEPENDENT

D 0 ATM 0 Debit/Check Cards (No. Requested:------­

D C

[J D

Backup Withholding Certific11tions

Ill not a "U.S. Person", certify foreign status separately)

tIZlhe

By signing signature field Ill on this document, I certify under penalties of perjury that statements made in this section are true and that I am a U.S. citizen or other U.S. person las


Relationship Address


Maili�g Address lif different!


Gov't Issued Photo ID ltype, number, state, issue da1e, exp, date)

Other ID (description, details�


Work Phone Horr.e Phone:


1020 SANITATION RD

IMMOKALEE FL 34142


DL# T520254393 720

FL Is 08 16 2006 Ex 10 12 2018


IMMOKALEE WATER SEWER DISTRICT


239

defined in the instructions).

!Xinot

!Xinot

Taxpayer Identification Number(TIN) shown my correct taxpayer

Taxpayer Identification Number(TIN) shown my correct taxpayer

T:XIhe Taxpayer I.D. Number -TIN: ""5""9c...is-�l..,2:c0><..0,.__,.4...,,4_,.3'---ide-nti-fica-tion -num-ber-. ­

Backup Withholding. I am not subject to backup withholding either because I have been notified that 1 am subject to backup withholding as a result of a failure to report all

interest or dividends, or the Internal Revenue Service has notified me that I am no longer subject to backup withholding.

= Exempt Recipients. I am an exempt recipient under the Internal Revenue Service Regulations. Exempt payee code (ii any)

FATCA Code. The FATCA code entered on this form Iii any] indicating that I am exempt from FATCA reporting is correct.

_Other Terms.llnform,1lion_


I concur with the Ownership of Account

as indicated on page 1

Birth Date: 10 12 1 39 SSN/TIN: 0 8 9 - 3 0 - 3 94 9

Important Account Opening Information. Federal law requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms of identification to fulfill this requirement . In some instances we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.


Signature Card-FL

Bankers Systems TM VMPill:

Wol�ers Kl1..1we1 Financial Services © 201 5

I concur with the Beneficiary

Designation as indicated on page 1


MPMP-LAZ-FL 3/15.'2015

Page 2 of 2

Corporate Authorization Resolution

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FIRST FLORIDA INTEGRITY BANK

PINE RIDGE OFFICE 3580 PINE RIDGE ROAD NAPLES, FL 34109-0000

By:IMMOKALEE WATER AND SEWER DISTRICT 1020 SANITATION RD

IMMOKALEE,FL 34142


Referred to in this document as "Financial Institution" Referred to in this document as "Corporation"

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I, BONNIE KEEN , certify that I am Secretary (clerk) of the above named corporation organized under the laws of FLORIDA , Federal Employer I.D. Number 59 -1200443 , engaged in business under the trade name of IMMOKALEE WATER AND SEWER DISTRICT

, and that the resolutions on this document are a correct copy of the resolutions adopted at a meeting of the Board of Directors of the Corporation duly and properly called and held on JULY 1 7 , 2011 (date). These resolutions appear in the minutes of this meeting and have not been rescinded or modified.

Agents. Any Agent listed below, subject to any written limitations, is authorized to exercise the powers granted as indicated below:

Name and Title or Position


image

image

JOSEPH J BRISTER

Signature Facsimile Signature

(if used)

  1. CHAIRMAN

    image

    PATRICIA ANNE GOODNIGHT

    image

  2. VICE CHAIR

BONNIE SKEEN

x __ x __

x _


x _

image

image

SECRETARY

image

C.

FRED N THOMAS JR

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D. TREASURER

x ____ x __


image

image

image

x __


F. __ x __ x __


image


Corpora t ion Authorization

Bankers Systems TM VMP ®

Welters Kluwer Flnanclel Services <C> 20 H!


VMPCl58 (06121 CA-1 J/1/2016

Pao,, 1 cf 4

Powers Granted. (Attach one or more Agents to each power by placing the letter corresponding to their name in the area before each power. Following each power indicate the number of Agent signatures required to exercise the power.)

Indicate ,A

B, C, Description of Powe;

Indicate number

D, E, and/or F

of signatures required

-------- (1) Exercise all of the powers listed in this resolution.

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A, B, c.D (2) Open any deposit or share account(s) in the name of the Corporation. 02

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A, B, c,p (3) Endorse checks and orders for the payment of money or otherwise 02

withdraw or transfer funds on deposit with this Financial Institution.

-------- (4) Borrow money on behalf and in the name of the Corporation, sign, execute and deliver promissory notes or other evidences of

indebtedness.

-------- (5) Endorse, assign, transfer, mortgage or pledge bills receivable, warehouse receipts, bills of lading, stocks, bonds, real estate or other

property now owned or hereafter owned or acquired by the Corporation as security for sums borrowed, and to discount the same, unconditionally guarantee payment of all bills received, negotiated or discounted and to waive demand, presentment, protest, notice of protest and notice of non-payment.

..A..-'-\-1,.3..".'. c ,_p

(6)Enter into a written lease for the purpose of renting, maintaining, accessing and terminating a Safe Deposit Box in this Financial

Institution.

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- - - - - - - (7) Other:


Llmlt aiti ons on Powers. The following are the Corporation's express limitations on the powers granted under this resolution.


image

'T.he C r poi' 1folr.l. :raameqf e n ilifa resoiutio m r oi;res ih.f.lt 9

  1. The Fmancial !nstitution is designated as a depository for the funds of the Corporation and to provide other financial a,.;commodations indicated in this resolution.

  2. This resolution shall conf.nue to have effect until express written notice of its rescission or modification has been received and recorded by the Financial Institution. Any and all prior resolutions adopted by the Board of Directors of the Corporation and certified to the Financial Institution as governing the operation of this corporation's account(s), are in fuil force and effect, until the Financial Institution receives and acknowledges an express written notice of its revocation, modification or replacement. Any revocation, modification or replacement of a resolution must be accompanied by documentation, satisfactory to the Financial Institution, establishing the authority for the changes.

  3. The signature of an Agent on this resolution is conclusive evidence of their authority to act on behalf of the Corporation. Any Agent, so long as they act in a representative capacity as an Agent of the Corporation, is authorized to make any and all other contracts, agreements, stipulations and orders which they may deem advisable for the effective exercise of the powers indicated on page one, from time to time with the Financial Institution, subject to any restrictions on this resolution or otherwise agreed to in writing.


    image


    COfporation Authorization

    Bankers SystemsTM VMP®

    Wolters Kluwer FinancialServices © 2016

    VMPC166 10612) CA·1 3/1/2016

    Page 2 of 4

  4. All transactions, if any, with respect to any deposits, withdrawals, rediscounts and borrowings by or on behalf of the Corporation with the Financial Institution prior to the adoption of this resolution are hereby ratified, approved and confirmed.

  5. The Corporation agrees to the terms and conditions of any account agreement, properly opened by any Agent of the Corporation. The Corporation authorizes the Financial Institution, at any time, to charge the Corporation for all checks, drafts, or other orders, for the payment of money, that are drawn on the Financial Institution, so long as they contain the required number of signatures for this purpose.

  6. The Corporation acknowledges and agrees that the Financial Institution may furnish at its discretion automated access devices to Agents of the Corporation to facilitate those powers authorized by this resolution or other resolutions in effect at the time of issuance. The term "automated access device" includes, but is not limited to, credit cards, automated teller machines (ATM), and debit cards.

  7. The Corporation acknowledges and agrees that the Financial Institution may rely on alternative signature and verification codes issued to or obtained from the Agent named on this resolution. The term "alternative signature and verification codes" includes, but is not limited to, facsimile signatures on file with the Financial Institution, personal identification numbers (PIN), and digital signatures. If a facsimile signature specimen has been provided on this resolution, (or that are filed separately by the Corporation with the Financial Institution from time to time) the Financial Institution is authorized to treat the facsimile signature as the signature of the Agent(s) regardless of by whom or by what means the facsimile signature may have been affixed so long as it resembles the facsimile signature specimen on file. The Corporation authorizes each Agent to have custody of the Corporation's private key used to create a digital signature and to request issuance of a certificate listing the corresponding public key. The Financial Institution shall have no responsibility or liability for unauthorized use of alternative signature and verification codes unless otherwise agreed in writing.

Pennsylvania. The designation of an Agent does not create a power of attorney; therefore, Agents are not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 56; Decedents, Estates and Fiduciaries Code) unless the agency was created by a separate power of attorney. Any provision that assigns Financial Institution rights to act on behalf of any person or entity is not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 56; Decedents, Estates and Fiduciaries Code).



image


Corpotalion Authorization

Bankers Systems TM VMP ®

Wolters Klt.1wer Financial Se rvices © 2016


VMPC158 (0612) CA-1 3/1 /201 6

Page 3 of 4

Effect on Previous Resolutions. This resolution supersedes resolution dated completed, all resolutions remain in effect.

Certification of Authority

. If not

image

I further certify that the Board of Directors of the Corporation has, and at the time of adoption of this resolution had, full power and lawful authority to adopt the resolutions stated above and to confer the powers granted above to the persons named who have full power and lawful authority to exercise the same. (Apply seal below where appropriate.)

::::J If checked, the Corporation is a non-profit corporation.

In Witness Whereof, I have subscribed my name to this document and affixed the seal of the Corporation on

fr.Jlf 17 ; J-o I 7 (date).


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image image

Secretary Attest by One Other Officer


For Financial Institution Use Only

(date) by

TOONMIHE

For Financial Institution Use Only

(date) by

TOONMIHE

This resolution is superseded by resolution dated

Comments: 255117-T 07/17/2017

This resolution is superseded by resolution dated

Comments: 255117-T 07/17/2017


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image

Acknowledged and received on

Acknowledged and received on

07/17/2017

07/17/2017

(initials)

(initials)

Corporation Authorization

Bankers Systems , VMP®

Wolters K1uwer Financial Services 2016


VMPC158 106121 CA-1 311/2016

Page 4 of 4


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Certificate of Deposit Receipt

This receipt is issued to: Account Number: =2=5!..=5!...,!l,..a!lw7 -----­

.....

1 I MMOKALEE WATER AND SEWER DISTRICT

IRA Number:

1020 SANITATION RD

IMMOKALEE,FL 34142


;,....


....J

Amount Date Opened Term

Maturity Date Interest Rate

$ 515.925,31

07/17/2017

48Month(sl

07/17(2021

1.510000 %


FIRST FLORIDA INTEGRITY BANK PINE RIDGE OFFICE

3580 PINE RIDGE ROAD NAPLES,FL 34109

Annual Percentage Yield

1.52%

The account evidenced by this receipt is subject to and further explained in the terms and conditions contained in the account agreement and account disclosures. The account is Not Negotiable and Not Transferable. Only the items checked apply.


IX! Fixed Interest Rate

D Additions Permitted

IXl Automatically Renewable


Interest will be:

D mailed to the owner(s).

D Variable Interest Rate


D Single Maturity (not automatically renewable) D Callable D Notice Account

IXI added to principal (compounded).

D paid to account No.--------

IX! paid every 12 Month(s)



image


Certificate of Deposit Receipt

Bankers SystemsTM

Wolters Kluwer FinancialServices © 1994. 2008


CDREC-BK-LAZ 3/11/2008

Page 1 of I

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FIRST FLORIDA INTEGRITY BANK

PINE RIDGE OFFICE 3580 PINE RIDGE ROAD NAPLES,FL 34109


TRUTH IN SAVINGS DISCLOSURE

FOR TIME ACCOUNTS

Terms follow ing a O apply only if checked. Acct : CD 48 - 59 MONTH :> $250, 000 Acct #: 255117

0 The interest rete will not be less than %

or more than %.

0 The interest rate will not _ _ _ _ _ _ _ _ _ _ _ _ _

Date: 0 7 L.1...2...(...2...,0..,1=7'---------

IZI The interest rate and annual percentage yield stated below are accurate as of the date printed above . If you would like more current rate and yield information please call us at ( 87 7}

763-0244

This disclosure contains the rules which govern your deposit account. Unles s it would be inconsistent to do so, words and phrases used in this disclos ure should be construed so that the singular includes the plural and the plural includes the singular.

IX! FIXED RATE:

IXI The interest rate for your account is 1. 5100 % with an annual percentage yield of 1. 52 %. We will pay this rate until first maturity

0 The interest rate and annual percentage yield for your account depend upon the applicable rate tier. We will pay

thesera tes --------------------


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0 VARIABLE RATE:

0 The interest rate for your account is------- % with an annual percentage yield of %. Your interest rate and annual percentage yield may change.

0 The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and ennual percentege yield for these tiers may change. Determination of Rt1te:

0 At our discretion, we may change the interest rate on

your account .

0 The interest rate for your eccount---------

the interes t rate initially disclosed to you.

COMPOUNDING ANO CREDITING:

00 Frequency - lnterest ,w"'-1=·... "'1"------------be

compounded-=d,.a,,..1,.·==l Y----------------­

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lnterest will be added back to principal every

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12 Month<sl

!XI Withdl'llwal of lnr-•t Before Maturity. The annual

percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interes t will reduce earnings.

0 Required Interest Distribution. This account requires the

distribution of interest and does not allow interest to remain in the account.

IX! Effect on Closing an Account. If you close your account

before interest is credited, you wi 11 not receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS:

!XI To Open the Account. You must deposit at least

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$ 1• 0 0 0 . 00 to open this account.

!XI To Obtain the Annual Percentage Yield Disclosed.

IXI You must maintain a minimum balance of

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$ 01 in the account each day to obtain the disclosed annual percentage yield.

0 You must maintain a minimum average daily balance of

$ to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for eech day of the period and dividing that figure by the number of days in the period.

The period we use is

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BALANCE COMPUTATION METHOD:

00

Daily Balance Metho d. We use the daily balance method to

0 The fixed initial rate is not determined by this rule.

0 The initial interest rate on your account -------

calculate the interest on your account. This method applies a

daily periodic rate to the principal in the account each day.

0 Average Daily Balance Method. We use the average daily

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balance method to calculate interest on your acco unt. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Subsequent rates-----------------

The period we use is---------------­

ACCRUAL OF INTEREST ON NONCASH DEPOSITS:

0 Interest begins to accrue no later than the business day we

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recei ve credit for the deposit of noncash items (for exampl,e checks).

Frequency of Rate Chan!/fl:

0 We may change the interest rate on your account _

!XI Interest begins to accrue on the business day we receive your deposit


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0 Yo ur initial interest rate will not change _

you deposit noncash items (for example, checks).

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We may change the interest rate on your account at that time and thereafter .

Limitations on Rate Changes:

0 The interest rate for your account will not by more than each- - - - - - - -

Ex(5iiiie.• 1992 Bankers Systems, Inc., St. Cloud, MN Form TSO-TIME 6/17/2006

MATURITY DATE:

IXI You r account will mature on 07/17/2021 IX! Your acc ount will mature in48 Mont h(sl

0 We may accelerate the maturity or call this account, at our option, ___

(page 1 of 2)

Your account has no definite maturity date . To withdraw any or part of this deposit without penalty, we must receive at lea st

- - - - - - - - - - - - - - - - - - writt e n notice from you of your inte ntion to make a withdrawal. The notice must specify the exact amount and date of the intended withdrawal.

Interest will no longer ac crue after the withdrawal date specified in your notice on the amount specified in your notice. We may terminate this account by mailing a notice to you of our intentio n

2 You may make unlimited deposits into your account.

iX! You may not make any deposits into your account until maturity.

u The minimum amo unt you can deposit is $ _

C The maximum amoun t you can deposit is $ _

CJ

to terminate at least ten days before the termination date. The date of intended withdrawal of the last funds in the account, or

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the termination date, is considered to be the maturity date.

TIME DEPOSIT WITHDRAWAL LIMITATIONS:

2 Prine/psi:--------------------

RENEWAL POLICY:

::J Singh, Maturity: This account will not renew automatically at

maturity. If you do not renew the account, ---------


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0Interes:t - - - - - - - - - - - - - - - - - - - - -


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:J Interest Timing: You can withdraw inte res t-------

'.X Automatic Renewal: This acco unt will automatically renew at maturity.

:X You will have days

after the maturity date to withdraw funds without penalty.

Excaptions to Automatic RBflfJw al: This account will not renew if you withdraw the funds on the matu rity date or if we receive written notice from you on or before the maturity date of

your intention not to renew .

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GJ There ·is no grace period following the maturity of this account to withdraw funds without penalty .


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EARLY WITHDRAWAL PENALTY:

A penalty :X may C: will be imposed for withdrawals before mat urity. The penalty will be an amount equal to:

C Seven days' interest on the amount withdrawn if the

withdrawal is made within the first six days after the deposit.

;XI 180 days' interest on the amount withdrawn

0 90 days' interest on the amount withdrawn

C 30 days' interest on the amount withdrawn

RENEWAL TERMS:

X Same Term As Original: Eac h renewal term will be the same as the original ter m, beginning on the maturity date.

C Diffarent Term: Each renewal term will be-- - - - - - ­

---------,beginning on the maturity date.

RENEWAL INTEREST CALCULATION :

lX S11me lntarest Calculation: Inter est will be calculated on the same basis as during the original term .

G Different Interest Calculation: The interest rat e will _


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!X The interest rate we will use to calculate the interest forfeitur e will be: the interest rate on the CD

BONUSES:

u You will---------------------


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We will charge the penalty first against any interest then in the account, and any excess will be deducted from the


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aasbonus ___

0 You must mainta in a minimum _

amount you withdraw.

C If you withdraw some of your funds before maturity, the

to obtain the bonus.

-----of $ -----------

interest rate for the rema ining fu nds in your account will be

CJ To earn the bonus,-----------------

---------- % with an annual percentage yield of

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---------- %.

;::] Minimum &,Jane• Accounts. We re s e rve the right to treat any withdrawal which would reduce the balance remaining in the account below the re quired minimum initial deposit or minimum balance as a withdrawal of the entire account balance and calculate the amou nt of the penalty accordingly.

In certain circumst ances/ such as the death or incompetence of an account owner, the aw permits , or in some cases requ ires , the waiver of the early wit hdrawal penalty. Other exceptions may als o apply, for example, if thi s ts part of an IRA or other tax-deferred savings plan.

ADDITIONS TO ACCOUNT:

;J You may make no more than-------- deposits intoy our account each _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

0 Yo u may only make deposits into your account------


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Ef:iiiret © 1992 Baoke,s Systems. Inc., St. Cloud, MN Form TSO-TIME 6/ 17/2005

0 PRE-MATURITY NOTICE: Yo ur account will mat ure on

------------- .If the account rene ws, the new maturity date will be

r The int eres t rate for the rene wed account will be

---------% with an annual percentage yield of

--------- %.

yet been determined. They will be availab le on _ _ _ _ _ _


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Please call ( 877 ) 7 6 3 - 0244 to learn the interes t rate and annual percentag e yield for your new account.

0 ADDITIONAL TERMS:


(page 2 of 2 )