General Summary of Recent Changes

The Deposit Account Agreement (the "Agreement") was recently updated. The changes were intended to clarify certain provisions in the Agreement, to combine like paragraphs, and to confirm the use of consistent terminology throughout. Some updates reflect changes in bank policies and procedures since the last complete review of the Agreement. Part of the review also included verifying conformity with model language for regulatory disclosures as applicable. Please review the Agreement. In particular, please note the following paragraphs that were revised and/or added: