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<br />documents or Items. The Customer hereby waives any objection to the use of such records in lieu of their paper equivalents for any
<br />purpose and in any forum, venue or jurisdiction, including, without limitation, objections arising from the Bank's role or acquiescence in
<br />the destruction of the originals.
<br />'16.t2All intellectual property rights in or relating to a Service, including any trademarks, service marks, logos, and trade names used in
<br />conjunction with a Service are the property of the Bank or its licensors and are protected by applicable copyright, patent, trademark and
<br />other intellectual property law. Except as provided herein, the Customer shall not reproduce, transmFt, sell, display, distribute, establish
<br />any hyperlink to, provide access to, modify, or commercially exploit in whole or in part any part of a Service, without the prior written
<br />consent of the Bank.
<br />'16.'13To assist in the fight against the funding of terrorism and money laundering activities, applicable law or regulations may require financial
<br />institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for the
<br />Customer: When the Customer opens an account, the Bank may ask for the Customer's name, address, date of birth (for individuals),
<br />and /or other information and documents that will allow the Bank to identify the Customer. The Customer agrees that the Bank also may
<br />request and obtain certain information from third parties regarding the Customer. For purposes of this provision, the Customer, to the
<br />extent required by law or regulation, shall include any signatory on an Account. If the Customer fails to provide or consent to the
<br />provision of any such information, the Bank may close any Account or discontinue providing any service without further notice.
<br />t 6.'14The Customer agrees that the Bank may deliver, make available and /or make accessible terms and conditions applicable to Accounts
<br />and Services to the Customer via electronic means and channels (including but not limited to by posting such terms on a Bank website).
<br />The Bank may request that the Customer "click" its approval of such terms. Subject to applicable law and regulations, the Customer
<br />agrees that the act of "clicking" its approval (or any similar act which has the same effect) with respect to any such terms will be
<br />evidence of Customer's acceptance of the applicable terms and conditions, to the same extent, and with the same force and effect, as if
<br />Customer had manually executed a written version of such terms and conditions.
<br />The Yo/ /owing section �7. �5 app /ies to Accounts /n the United States, and to Services provided in connection with such Accounts_
<br />'16.'151f the Customer is a foreign bank or financial institution, R shall not permit its customers to conduct banking transactions in the United
<br />States through the Customer's Account, and shall not provide its customers with check stock, drafts, wire transfer capabilities or any
<br />other means by which its customers is able to draw on the Customer's Account. These types of arrangements are typically called
<br />"payable through accounts' and are prohibited under these Account Terns. The Customer acknowledges that the sale of U.S. dollar
<br />checks or drafts to third parties is explicitly prohibited without the express written approval of the Bank.
<br />� 7. Disputes over Account Funds.
<br />The Bank may refuse to pay out any money from an Account until any dispute over the deposits or funds (including, without limitation,
<br />any dispute over what persons are authorized to represent or act for the Customer) has been resolved by a court, or by agreement of
<br />the parties that is documented to the Bank's satisfaction. The Bank may file an action in interpleader with respect to any money where
<br />the Bank has been notrFed of disputed claims to that money. If any person asserts that a dispute exists, the Bank is not required to
<br />determine whether that dispute has merit in order to refuse to pay funds or interplead the funds.
<br />� 8. Provisional Recredit.
<br />In connection with any dispute regarding an Account, the Bank may choose to credit the Account pending completion of the Bank's
<br />investigation of the dispute. If the Bank determines that the Customer is not entitled to such credit, then, the Bank may reverse the
<br />provisional recredit to the Account, even if that reversal results in an overdraft.
<br />The io/ /owing section20 app /ies fo Accounts in the United States, and to Services provided in connection with such Accounts.
<br />� 9. Abandoned or Inactive Accounts.
<br />In the event the Bank is required to remit funds to any state as abandoned property, the Account may be charged for fees in remitting
<br />funds to that state. In addition, the Bank may charge fees in connection with its handling of dormant funds and accounts. These
<br />charges are not refundable. If an Account has no activity other than charges assessed or interest credited by the Bank for a period of at
<br />least six (6) months, the Bank is not required to provide an Account statement until the Account has additional activity. If an Account has
<br />no activity other than charges assessed or interest credited by the Bank for a period of at least twelve (12) months, the Customer may
<br />be unable to access the Account until appropriate contact is made between the Customer and the Bank.
<br />PN• 350914 DOC ID: 2 Page 77 of SI
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