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I/We agree to the terms and conditions of the Account Agreement, Truth-in-Savings Disclosure, Funds availability
Policy Disclosure, if applicable, and to any amendment the Bank makes from time to time which are incorporated
herein. I/We acknowledge receipt of a copy of the agreements and disclosures applicable to the accounts and services
requested herein. If an access card or EFT service is requested and provided, I/we agree to the terms of and acknowledge
receipt of the Electronic Fund Transfers Agreement and Disclosure. The Internal Revenue Service does not require your
consent to any provision of this document other than the certifications required to avoid backup withholding.