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<br /> DEFINITIONS: "We," "our," and "us" mean the issuer of this account P.O.D. Account With . itiple Parties - This account is owned by the
<br /> and "you" and "your" mean the depositor(s). "Account" means the named parties. Upon the death of any of them, ownership passes to the
<br /> original certificate of deposit as well as the deposit it evidences. survivor(s). Upon the death of all of them, ownership passes to the named
<br /> pay-on-death payee(s). Whether the P.O.D. Account is with single party
<br /> TRANSFER: 'Transfer" means any change in ownership, withdrawal or multiple parties, if ownership passes to more than one beneficiary, any
<br /> .rights, or survivorship rights, including (but not limited to) any pledge or such beneficiary may withdraw all or any part of the account balance.
<br /> assignment of this account as collateral. You cannot transfer this account Totten Trust Account - (subject to this form) - If two or more of you
<br /> without our written consent. create this account, you own the account jointly with survivorship.
<br /> Beneficiaries acquire the right to withdraw only if(1) all persons creating
<br /> PRIMARY AGREEMENT: You agree to keep your funds with us in this the account die, and (2) the beneficiary is then living. If two or more
<br /> account until the maturity date. (An automatically renewable account beneficiaries are named and survive the death of all persons creating the
<br /> matures at regular intervals.) You may not transfer this account without account, such beneficiaries will own this account in equal shares, without
<br /> first obtaining our written consent. You must present this certificate when right of survivorship. Any such beneficiary may withdraw all or any part
<br /> you request a withdrawal or a transfer, of the account balance. The person(s) creating either of these account
<br /> This account is void if the deposit is made by any method requiring types reserves the right to: (1) change beneficiaries; (2) change account
<br /> collection(such as a check) and the deposit is not immediately collected in types; and(3)withdraw all or part of the deposit at any time.
<br /> full. If the deposit is made or payable in a foreign currency, the amount of Trust Account Subject to Separate Agreement - We will abide by
<br /> the deposit will be adjusted to reflect final exchange into U.S. dollars. the terms of any separate agreement which clearly pertains to this account
<br /> We may change any term of this agreement. Rules governing changes and which you file with us. Any additional consistent terms stated on this
<br /> in interest rates have been provided. For other changes we will give you form will also apply.
<br /> reasonable notice in writing or by any other method permitted by law.
<br /> If any notice is necessary, you all agree that the notice will be SET-OFF: You each agree that we may (without prior notice and when
<br /> sufficient if we mail it to the address listed on page one of this form. You permitted by law) set off the funds in this account against any due and
<br /> must notify us of any change. payable debt owed to us now or in the future, by any of you having the
<br /> right of withdrawal, to the extent of such person's or legal entity's right to
<br /> WITHDRAWALS AND TRANSFERS: Only those of you who sign the withdraw. The amount of the set-off may be further limited by applicable
<br /> permanent signature card may withdraw funds from this account. (In law. If the debt arises from a note, "any due and payable debt" includes
<br /> appropriate cases, a court appointed representative, a beneficiary of a the total amount of which we are entitled to demand payment under the
<br /> trust or pay-on-death account whose right of withdrawal has matured, or a terms of the note at the time we set off, including any balance the due date
<br /> newly appointed and authorized representative of a legal entity may also for which we properly accelerate under the note. This right of set-off does
<br /> withdraw from this account.) The specific number of you who must agree not apply to this account if: (a) it is an Individual Retirement Account or
<br /> to any withdrawal is written on page one in the section bearing the title other tax-deferred retirement account, or (b) the debt is created by a
<br /> NUMBER OF ENDORSEMENTS. This means, for example, that if two consumer credit transaction under a credit card plan, or (c) the debtor's
<br /> of you sign the signature card but only one endorsement is necessary for right of withdrawal arises only in a representative capacity. You agree to
<br /> withdrawal then either of you may request withdrawal of the entire hold us harmless from any claim arising as a result of our exercise of our
<br /> account at any time. Unless otherwise specified in writing, only one right of set-off.
<br /> endorsement is required to withdraw funds from this account.
<br /> These same rules apply to define the names and the number of you BALANCE COMPUTATION METHOD: We use the daily balance
<br /> who can request our consent to a transfer. method to calculate the interest on this account. This method applies a
<br /> daily periodic rate to the principal in the account each day.
<br /> PLEDGES: Any pledge of this account (to which we have agreed), must
<br /> first be satisfied before the rights of any joint account survivor, TRANSACTION LIMITATIONS: You cannot make additional deposits
<br /> pay-on-death beneficiary or trust account beneficiary become effective. to this account during a term (other than credited interest). You cannot
<br /> For example, if one joint tenant pledges the account for payment of a debt withdraw principal from this account without our consent except on or
<br /> and then dies, the surviving joint tenant's rights in this account are subject after maturity. (For accounts that automatically renew, there is a grace
<br /> first to the payment of the debt. period after each renewal date during which withdrawals are permitted
<br /> without penalty.)
<br /> OWNERSHIP OF ACCOUNT AND BENEFICIARY In certain circumstances, such as the death or incompetence of an
<br /> DESIGNATION: You intend these rules to apply to this account account owner, the law permits, or in some cases requires, the waiver of
<br /> depending on the form of ownership and beneficiary designation, if any, the early withdrawal penalty. Other exceptions may also apply, for
<br /> specified on page 1. We make no representations as to the appropriateness example, if this is part of an IRA or other tax-deferred savings plan.
<br /> or effect of the ownership and beneficiary designations, except as they
<br /> determine to whom we pay the account funds. FOR ACCOUNTS THAT AUTOMATICALLY RENEW: Each
<br /> Individual Account - This account is issued to one person who does renewal term will be the same as original term , beginning on
<br /> not intend (merely by opening this account) to create any survivorship the maturity date(unless we notify you, in writing, before a maturity date,
<br /> rights in any other person. Joint Account -This account is owned by the of a different term for renewal).
<br /> named parties. Upon the death of any of them, ownership passes to the
<br /> survivor(s). Joint Account - of Husband and Wife With Right of You must notify us in writing before, or within a 10 (ten) day grace
<br /> Survivorship - This account is owned by the named parties, who are period after, the maturity date if you do not want this account to
<br /> husband and wife, and is presumed to be their community property. Upon automatically renew.
<br /> the death of either of them, ownership passes to the survivor. Community Interest earned during one term that is not withdrawn during or
<br /> Property Account of Husband and Wife - This account is the immediately after that term is added to principal for the renewal term.
<br /> community property of the named parties who are husband and wife. The The rate for each renewal term will be determined by us on or just
<br /> ownership during lifetime and after the death of a spouse is determined by before the renewal date. You may call us on or shortly before the maturity
<br /> the law applicable to community property generally and may be affected date and we can tell you what the interest rate will be for the next renewal
<br /> by a will. Tenancy in Common Account - This account is owned by the term. On accounts with terms of longer than one month we will remind
<br /> named parties as tenants in common. Upon the death of any party, the you in advance of the renewal and tell you when the rate will be known
<br /> ownership interest of that party passes to the named pay-on-death payee(s) for the renewal period.
<br /> of that party, or, if none, to the estate of that party. P.O.D. Account with
<br /> Single Party -This account is owned by the named party. Upon the death
<br /> of that party. ownership passes to the named pay-on-death payee(s). See your plan disclosure if this account is part of an IRA or Keogh.
<br /> (page 2 of 2)
<br /> E�k � (.,1993 Bankers Systems, Inc.,St.Cloud.MN Form CDAA-LAZ-CA 6/11/2005
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