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<br />terminate an Account or a Service upon wriffert notice to the other party in the event of n) a breach of the Account Terms or Service
<br />Terms by the other party; (it) the other party's inability to meet its debts as they become due, receivership, administration, liquidation, or
<br />voiuntary or invohuntary bankruptcy; or the institution of any proceeding therefor, any assignment for the benefit of the other party's
<br />creditors or anything analogous to the foregoing in any applicable jurisdiction, or a determination in good faith by the terminating party
<br />that the financial or business condition of the other party has become firnpaired; hill) a determination by the terminating party, in its scue
<br />opinion, that termination is necessary or required by law or regulation Of a$ 0 result of a court ar regulatory agency order or proceerfirI
<br />or (IV) a good faith bei by the terminating, party that the other party is engaged in activities that are inconsistent wrib the terminating
<br />party's policies. The Bank shall have a reasonable opportunity to act upon, any termination request The Bank may ibut shall not be
<br />obliged to) complete all requests and instructions received by it prior to receipt of the ternmation request, in addition to any request or
<br />instruction accepted on the day liumination * to become effective. Nolvinthstanding anything to the cointrary in any Service Terms, upon
<br />the closing of an Account, all Services linked to such Account are sirnuflarteousitv terminated (unless otherwise specifically agreed' to by
<br />tile pradves) and the Bank's obligations in respect of such Accerunt or Services will terminate However, any such closing or termination
<br />shail not affect the Customer's liabilities to the Bank ariving prior to, or on, such closing or termination, all of which shall continue in full
<br />force arid effect. In the absence of instructions from the Customer, the Bank may transfer balances to an unclaimed moneys account,
<br />or issue a casiffer's check, sending it to the address of the Customer on the books and records of the Bank
<br />I I Account Disclosures.
<br />14 1 The Bank may return refuse to accept all or any purt ofu deposit orcredit bep^ Account, at say time, and will net bw liable mthe
<br />Customer for doing so, even if such action causes outstanding Items to be dishonored arid returned, or payment orders to be rejected
<br />Refused deposits will be returned to the Customer.
<br />1v2 The Bank may refuse w allow a withdrawal from any Amount m certain cases including, but not xmord to, cases whi if) deama
<br />dispute about the Account (unless a court of other competent authority has ordered the Bank to allow the withdrawaili dr) a legal
<br />garnishment or attachment is served, including, but not limited to, a levy, restraining notice or court orvkv" (m) the Account is being used
<br />ov collateral to secure m debt, <i"} Account Documentation ties not been p/wnmn/ed�o/(x) the Customer fails /n pay o Bank loan o/other
<br />debt or obligation to the Earink art time
<br />14 14 3 Any amount standing mthe credit of any Account with life Bank is payable exclusively at tire branch at which the Account is beli
<br />however, payment may be suspended from time to time in order to comply with any law, regulation, governmental decree or similar
<br />order, in any jurisdiction, for the fine being affecting the Bank, Its officers, employees, affiliates, agents or correspondents The
<br />Customer acknowledges that deposits held in a branch of the Bank located outside the United Staaos� in are not insured by the Federal
<br />Deposit Insurance Corporation or aniy other United States governmential agency� in are subject to cross-border rrskrs� and (dh have a
<br />lesser preference as compared to deposits held In the United $fares in the event of a liquidation of the Bank.
<br />The following provisions in this section y$ apply m Accounts for the United States, arid mServices provided in connection with such
<br />144U S. federal numbero/ pre-authorized mautomatic transfers or withdrawals ortewpx*n|0*leq,^ic|osto*tiino*
<br />(including check, draft, debit card or similar order payable to third parties) that can be made from a, savings account (including
<br />noame,doponi, account) toa total nf six (6) per calendar month v/ statement cycle */wimi|n.Wd*d The Comomn/ agrees tv comply m,
<br />aonmes with umhresvictions Exceeding these withdrawal limits may msuuin the Bank converting the savings account into anv»
<br />interest bearing demand deposit acno"on, with any *,w"amni changes inp,o|"gand account terms and cu^ditionsFonmmr. the Bank .o
<br />required h'U 8 law to, and hereby does reserve the right to require o,least seven <7) days notice prior ton withdrawal from asavings
<br />account The Bank does not presently exercise this right
<br />14 5 The Customer, if eligible, may open an interest bearing checking account I''NOW Account"). The Bank is required by U,$. law wand
<br />hereby does reserve the right to require at least seven <7) days nefee prior to a withdrawal from a NOW Account. The Bank does hot
<br />presently exercise flis right,
<br />1*6 The Bank bmuW`dzedfor regulatory reporting and internal amounting purposes, to drvide an Account: (i in the case of a demand
<br />deposit chei Account, into a non-interest bearing demand deposit sub-account and a non-interest bearing savings sub-accounn; (n)
<br />in the case of a NOW Account, into an interest bearing NOW sub-account avid an interest bearing savings sub-acaount,, and, in both
<br />cases, to transfer funds between these subaccmnts in accordance with U 8 law at no cost to the Customer The Bank will record the
<br />sub-amounts and any transfers between them on the Bank's books and records onty The sub-accounts and any transfers between
<br />them will not affect the Account number, balance requirement or use of the Account
<br />14 7 The Bank, for !its administrative purposes may designate a branch of the Bank as the branch of record of an Account which may be
<br />m0emnhnmmebmxcha|*hxm^hexccnunmnpevea This designation requires noacion the part o/ the Customer and will not
<br />change the Bank's operations, Services ur customer support,
<br />15 Governing Law.
<br />15 1 The Account Terms, the relevant Account Documentation and the rights and irelfgations of the Cu5bime( and the Bank in respect of
<br />each Account shalk be governed by and construed in accordance wrPit the laws of are country in which the branch holding the relevant
<br />Account is located With respect to Accounts maintained in, the United States, the Account Terms, the Account Docomemation and the
<br />rights and obligations of the Customer and: this Bank in respect of each Account also shall be governed by and construed in accordance
<br />with the taws of the $lrne of Califorma, United States (without regard to its conflicts of law rules). Unless otherwise specified in the
<br />8*wiceTomi the rights arid obligations o, the C ���W� der any saw�v7wmmsxW/heAovwmedoy and cnno�ood
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