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Subject of Agreement - Deposit Products

The Bank offers a great variety of financial services to meet your needs. It provides many different types of deposit accounts. Except for the special accounts listed below, this Agreement covers all types of deposit accounts offered by the Bank, now or in the future, including demand deposit accounts, money market deposit accounts, and savings accounts. These deposit products are described in detail in separate brochures available at the Bank. This Agreement does not cover products such as loans, safe-deposit boxes, Visa, and discount brokerage. In addition, some deposit accounts involve special rules that are not set forth in this Agreement; these accounts include IRAs, and certificates of deposit. While this Agreement is generally applicable to these accounts, these accounts are also subject to additional rules designed to take their unique characteristics into account. Further information is available at the Bank on any of these special financial services.