unidos somos mÁs fuertes. · unidos somos mÁs fuertes. 2 3 ff a partir del lunes 10 de diciembre...

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UNIDOS SOMOS MÁS FUERTES.

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WWW.VANTAGE.BANK

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A PARTIR DEL LUNES 10 DE DICIEMBRE DEL 2018

A PARTIR DE ESTE MOMENTO HASTA EL VIERNES 7 DE DICIEMBRE

Estimado cliente,

A nombre de los propietarios, “Collins Family Trusts”, y los cerca de 500 empleados de Vantage Bank Texas e Inter National Bank, nos complace anunciar que nuestros bancos han sido fusionados.

Existen muchas razones por las que hemos buscado esta integración. Siendo ya una sola institución, confiamos que nuestros clientes recibirán una mejor experiencia bancaria, en gran parte gracias al personal que ambos bancos aportan a esta fusión. Esto se logrará a través de la expansión de nuestros productos y servicios que se expandirán hasta San Antonio, El Paso, a lo largo de la l ínea fronteriza, o cual nos permitirá continuar sivierndo a nuestros clientes internacionales. Por otro lado, a través de esta fusión, el l ímite de créditos máximo establecido por los reguladores bancarios que nuestra institución puede otorgar, ha aumentado, permitiéndonos cubrir de mejor manera las necesidades de nuestra clientela empresarial.

Durante las siguientes semanas trabajaremos arduamente para integrar las operaciones de ambos bancos, de manera que nuestros clientes tengan una experiencia placentera durante esta transición. A partir de este momento y hasta el 8 de diciembre del 2018, Inter National Bank y Vantage Bank continuarán operando como dos bancos independientes. Sin embargo, a partir del 10 de diciembre las dos instituciones estarán 100% integradas. Las sucursales de Inter National Bank cambiarán de nombre y nuestra nueva institución será Vantage Bank Texas. La decisión de adoptar el nombre de Vantage Bank Texas no fue una tarea fácil, pero consideramos que este nombre conecta de mejor manera a nuestra estrategia actual de convertirnos en la institución financiera predilecta del centro y sur de Texas, para así expandirnos a otros mercados a lo largo del Estado. Este cambio no pone a un lado nuestro compromiso por la comunidad internacional que atendemos. De hecho, esta integración nos permitirá extender nuestros servicios internacionales a un mayor número de clientes que viven y trabajan en ambos lados de la frontera.

Hemos creado este folleto para mantenerlo informado durante el proceso. También hemos incluido información sobre su cobertura del seguro de la FDIC, así como la Política de Privacidad actualizada del banco fusionado.

Siéntase con la l ibertad de contactar a su ejecutivo de confianza si tiene cualquier duda acerca de la integración. También puede enviarnos un correo a [email protected] para dejarnos saber cómo podemos mejorar su experiencia en torno a esta fusión. Le agradecemos infinitamente ser cliente de Inter National Bank y Vantage Bank Texas.

Atentamente,

Samuel J. Munafo Guy BodinePresidente Presidente del ConsejoInter National Bank Vantage Bank Texas

Mensaje de Bienvenida de Nuestros Presidentes

Atención al Cliente: 956-664-8401

L-V 8:00 a.m. – 6:00 p.m. CSTSAB. 9:00 a.m. – 1:30 p.m. CST

Banca Vía Telefónica las 24 Horas: Sin cargo 884-664-8406 or 956-664-8406

[email protected]

www.inbweb.com

Para Atención al Cliente, Banca Telefónica, para Activar una Tarjeta de Débito o para Reportar Una Tarjeta Extraviada o Robada: 866-580-7262

L-V 8:00 a.m. – 6:00 p.m. CSTSAB. 9:00 a.m. – 1:30 p.m. CST

[email protected]

www.vantage.bank

VANTAGE BANK TEXAS | 2018

Inter National Bank seguirá a su disposición, pero ahora bajo el nombre de VANTAGE BANK TEXAS.

Nos enorgullece tenerle como cliente durante esta importante transición.

El 10 de diciembre del 2018 abriremos nuestras puertas bajo el nombre de Vantage Bank Texas, lo cual quiere decir que a partir de ese día cualquier servicio y comunicación proveniente del banco mostrarán el logotipo de Vantage Bank Texas.

Nuestro objetivo es hacer la transición lo más sencil la y efectiva posible. Esta guía le ofrece fechas importantes, información sobre el acceso a nuestros servicios y otros avisos importantes, por lo cual le pedimos que repase esta información.

Si l legará a tener cualquier duda o comentario, favor de visitar una de nuestras oficinas bancarias para hablar con uno de nuestros representantes, o contacte a nuestro Departamento de Atención al Cliente:

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WWW.VANTAGE.BANKVANTAGE BANK TEXAS | 2018

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NUESTRA NUEVA IMAGEN 6

LISTADO CON UBICACIONES DE CENTROS BANCARIOS 8

MAPA CON UBICACIONES DE CENTROS BANCARIOS 10

FECHAS IMPORTANTES - MARQUE CALENDARIO 12

INFORMACIÓN VITAL 14

ACCESO BANCARIO A DISTANCIA 18

AVISOS, TÉRMINOS Y CONDICIONES ADICIONALES 20

TU COBERTURA DEL SEGURO DE LA FDIC 20

POLITICA DE PRIVACIDA 21

LISTADO DE CARGOS POR SERVICIOS BANCARIOS 24

ACCOUNT TERMS AND CONDITIONS 25

FUNDS AVAILABILITY POLICY 35

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NUESTRA NUEVA IMAGEN

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5/205/20

A partir del 10 de diciembre, 2018, cuando Vantage

Bank Texas e Inter National Bank se hayan fusionado,

comenzará a ver el nombre de Vantage Bank Texas

a través de todos nuestros puntos de contacto y

canales de distribución.

A continuación, le mostramos algunos de elementos

con la nueva imagen.

Esperamos sean de su agrado!

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CENTROS BANCARIOS

45 NE Loop 410, Suite 500San Antonio, TX 78216Phone: (210) 408-5700

ALL HOURS EFFECTIVEDECEMBER 10, 2018

EL PASOEl Paso Downtown 175 E. Arizona St. El Paso, Texas 79902Phone: (915) 594-3400LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

El Paso East 2828 North Lee Trevino, Suite C El Paso, Texas 79936Phone: (915) 594-3435LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm

El Paso West 125 Shadow Mountain Dr. El Paso, Texas 79912Phone: (915) 594-3425LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pmDRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

HONDOHondo1401 19th St.Hondo, TX 78861Phone: (830) 426-3041LOBBY HOURS Mon.– Thurs. 9 am–5 pm Fri. 9 am – 6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

LAREDOWest Village216 W Village Blvd, #101Laredo, TX 78041.Phone: (956) 242-0915LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

I-35I-35 4819 San Dario Ave. Laredo, Texas 78041Phone: (956) 721-7150LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pmSat. 9 am–1 pm

McPherson7219 McPherson Rd. Laredo, Texas 78041Phone: (956) 721-7100LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

REFUGIO111 East Plasuela St.Refugio, TX 78377Phone: (361) 526-2361LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

SAN ANTONIOCentre Plaza45 NE Loop 410, Suite 190San Antonio, TX 78216Phone: (210) 408-5700LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

Stone Oak18730 Tuscany Stone #2102San Antonio, TX 78258Phone: (210) 408-5700LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

VALLE DEL RÍO GRANDEBrownsville1785 E Ruben M Torres Sr Blvd. Brownsville, Texas 78521.Phone: (956) 574-8500LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

Edinburg1502 South Sugar Rd. Edinburg, Texas 78539Phone: (956) 387-0200LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

MCALLENMcAllen Main 1801 S. 2nd St. McAllen, Texas 78503Phone: (956) 664-8400

LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

McAllen North 10th St.901 S. 10th St., Bldg. No. 400McAllen, TX 78501Phone: (956) 467-0321LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

McAllen South 10th St. 1700 S 10th St. McAllen, Texas 78501Phone: (956) 631-2678

LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm Sun. 12 pm–4 pmDRIVE-UP HOURS Mon.–Fri. 9 am–6 pm Sat. 9 am–1 pm Sun. 12 pm–4 pm

McAllen 23rd St 1705 N. 23rd St. McAllen, Texas 78503Phone: (956) 682-4374LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm

McAllen McColl Rd 1524 N. McColl Rd. McAllen, Texas 78501Phone: (956) 631-6094LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

McAllen Nolana Rd 730 Nolana Ave. McAllen, Texas 78504Phone: (956) 682-3243LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

McAllen Trenton Rd. 2228 Trenton Rd., Suite 100 McAllen, Texas 78504Phone: (956) 683-8032LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am-1 pmDRIVE-UP HOURS

Mon.–Fri. 9 am–6 pmSat. 9 am-1 pm

MISSIONMission713 E. Tom Landry St. Mission, Texas 78572Phone: (956) 581-2107LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

Sharyland Express 2401 E. Expy 83, Suite I00 Mission, Texas 78572Phone: (956) 519-8157LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pmSat. 9 am–1 pm

Sharyland Plantation3605 Plantation Grove Blvd. Mission, Texas 78572Phone: (956) 583-8345LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

Sharyland 1926 E. Griffin Pkwy. Mission, Texas 78572Phone: (956) 581-1397LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pm

PHARRI Rd. Express 1200 E. Expressway 83 Pharr, Texas 78577Phone: (956) 283-0437LOBBY HOURSMon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm Sat. 9 am–1 pm DRIVE-UP HOURS

Mon.–Fri. 9 am–6 pmSat. 9 am–1 pmWESLACOWeslaco Branch400 N. Texas Blvd. Weslaco, Texas 78596Phone: (956) 968-1511LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pmSat. 9 am–1 pm DRIVE-UP HOURS Mon.–Fri. 9 am–6 pmSat. 9 am–1 pm

Weslaco South Motor Bank 501 S. Kansas Ave. Weslaco, Texas 78596Phone: (956) 968-1511

LOBBY HOURS Mon.–Thurs. 9 am–5 pm Fri. 9 am–6 pm DRIVE-UP HOURSMon.–Fri. 9 am–6 pm

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VANTAGE BANK TEXAS | 2018 WWW.VANTAGE.BANK

Para más información sobre nuestros horarios de servicio, visite las páginas 8-9.

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FECHAS IMPORTANTES

MARQUE SU CALENDARIO


FECHA DESCRIPCIÓN

6 de diembre Cuando trate de ingresar a la aplicación móvil del INB a partir del 6 de diciembre, recibirá una notificación informándole que existe una actualización. Una vez que la actualización haya sido realizada, la aplicación móvil reflejará el nombre de Vantage Bank Texas.

8 de diciembre Nuestra sucursal de McAllen ubicada al sur de la calle 10th extenderá sus horarios de servicio para atenderle de 9:00 am a 3:00 pm.

9 de diciembre Nuestra sucursal de McAllen ubicada al sur de la calle 10th estará cerrada.

10 de diciembreLos clientes de banca de negocios pudieran experimentar tiempos de inactividad en su servicio de Bill Pay (pago de facturas). El servicio pudiera restablecerse a las 2:00 pm.

A partir de esta fecha puede visitar cualquiera de nuestras sucursales.(Favor de visitar el listado de Centros Bancarios)

Todas las sucursales, sitio de internet, banca telefónica, banca en línea y otros puntos de contacto de INB portarán el nuevo nombre de Vantage Bank Texas.

Lo invitamos a que forme parte de nuestras ceremonias de debelación en McAllen, Laredo y El Paso. Favor de visitar nuestra página 17 para más detalles.

Cuando visite el sitio www.inbweb.com, será dirigido a www.vantage.bank.

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Información Importante


SERVICIOS DE ATENCIÓN AL CLIENTE

Desde este momento y hasta el 8 de diciembre del 2018, usted puede contactar a nuestro Departamento de Atención al Cliente llamando al 956-664-8401 o por correo electrónico a [email protected].

A partir del lunes 10 de diciembre del 2018, usted puede contactar a nuestro Departamento de Atención al Cliente llamando al 866-580-7262 o por correo electrónico a [email protected]. Recuerde que nuestro Departamento de Atención al Cliente esta disponible de lunes a viernes de 8:00 a.m. a 6:00 p.m., y los sábados de 9:00 am a 1:30 pm. Nuestros clientes también pueden contactar a Atención al Cliente por “chat”, disponible a través de www.vantage.bank.

Atención a Clientes para Banca en Línea Empresarial y Gestión de Tesorería:

A partir del lunes 10 de diciembre del 2018, nuestra información de contacto será la siguiente:Teléfono: 877-627-9099 Correo Electrónico: [email protected] Horarios de Servicio: De lunes a viernes de 8:00 am a 5:00 pm.

UBICACIONES DE LA SUCURSALES Y HORARIOS DE ATENCIÓN

Nuestros clientes continuarán conduciendo sus transacciones exclusivamente en las sucursales de Inter National Bank hasta el día 8 de diciembre del 2018.

A partir del 10 de diciembre del 2018, usted podrá visitar cualquier sucursal de Vantage Bank Texas o Inter National Bank.

Favor de visitar las páginas 8 y 9 para ver un listado completo de todas las sucursales que estarán a su disposición a partir del 10 de diciembre, con sus respectivas direcciones, teléfonos y horarios de servicio.

Durante los días 8 y 9 de diciembre nuestra sucursal de McAllen ubicada al sur de la Calle 10 y Expressway operará bajo los siguientes horarios:Sábado 9:00am-3:00pmDomingo CERRADO

SITIO DE INTERNET A partir del 10 diciembre del 2018, cuando visite nuestro sitio de internet www.inbweb.com usted será automáticamente dirigido a www.Vantage.Bank.

Tome en consideración que nuestro sitio de internet está cambiando sus dominios de .com a .bank.

Cuando visite nuestro sitio usted verá una nueva identidad.

Los clientes podrán interactuar con nuestro personal de Atención a Clientes a través de “chat” al hacer clic en el botón de “chat” que se despliega de forma prominente en el sitio.

BANCA A TRAVÉS DE DISPOSITIVOS MÓVILES

A partir del 6 de diciembre, los usuarios existentes de la aplicación Móvil de INB recibirán una notificación cuando abran su aplicación alertándoles que una nueva versión está disponible.

Cuando se haya llevando a cabo la actualización, la aplicación para clientes y negocios mostrará la identidad de Vantage Bank Texas.

BANCA VÍA TELEFÓNICA AUTOMATIZADA

A partir del 10 de diciembre del 2018, usted podrá acceder nuestro sistema de banca telefónica automatizada al marcar 866-580-7262 y seleccionando la opción número 1.

DEPOSIT ACCOUNT - STATEMENTS, FEES, AND INTEREST

E-mail: [email protected].

Remember, you may contact our Customer Service Department Monday - Friday from 8:00 a.m. – 6:00 p.m., and Saturdays from 9:00 am to 1:30 pm.

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ESTADOS DE CUENTA Y COMUNICACIONES POR PARTE DEL BANCO

A partir del 10 de diciembre del 2018, sus estados de cuenta y cualquier otra comunicación del banco reflejará el logotipo e identidad de Vantage Bank Texas.

CUENTAS DEPOSITARIAS A pesar de que algunos de los nombres de las cuentas depositarias de Inter National Bank cambiarán a partir del 10 de diciembre del 2018, todas las cuentas mantendrán todas sus características.

CHEQUES Usted puede continuar usando sus cheques existentes de Inter National Bank después del 10 de diciembre. Cuando solicite una nueva orden de cheques a través de nuestro proveedor, Deluxe, los nuevos cheques portarán el nuevo nombre del banco, Vantage Bank Texas.

Para ordenar más cheques, usted puede pedir nuevos cheques visitando cualquiera de nuestras sucursales.

REEMPLAZO DE TARJETA DE DÉBITO

Los tarjectahabientes del INB recibirán una tarjeta de débito nueva con el logotipo de Vantage Bank Texas immediátamente después del cambio. Usted puede continuar utilizando su tarjeta de Inter National Bank. Antes que su tarjeta expire, recibirá una tarjeta de reemplazo con el nombre del nuevo banco por correo.

CAJAS DE SEGURIDAD Usted puede continuar teniendo acceso a su Caja de Seguridad durante horarios de recepción. Los términos de su contrato no cambiarán. En el momento de la facturación anual, el pago de su renta anual se retirará automáticamente a su cuenta de Vantage Bank Texas el 10 de enero del 2019.

TRANSFERENCIAS BANCARIAS

Transferencias EntrantesA partir del 10 de diciembre del 2018, favor de compartir la siguiente información a quienes le envían transferencias:

• Nuevo Número de Ruta (Routing Number): 114915272• Nuevo Nombre del Banco: Vantage Bank Texas• Su Nombre Como Aparece en Su Cuenta• Su Número de Cuenta

Transferencias SalientesA partir del 10 de enero del 2018, cualquier transferencia que no sea efectuada en persona o a través de nuestro sistema de la Banca el Línea Empresarial debe ser efectuada mandando un correo a [email protected]. Al recibir su correo, un representante lo contactará para confirmar la transacción antes de que esta sea procesada.

CRÉDITOS E HIPOTECAS Los términos de su crédito no cambiarán. Su número de crédito tampoco cambiará. Sus pagos automáticos seguirán efectuándose sin interrupciones. Si aún conserva fichas de pago con la información del INB, puede continuar usándolas. Su estado de cuenta se le hará llegar por correo. Usted puede continuar realizando sus pagos en cualquiera de nuestras sucursales bancarias o a través de nuestros servicios de banca en línea.

El número de su hipoteca y los términos no cambiarán. Usted seguirá recibiendo sus estados de cuenta mensuales. Sus pagos automáticos seguirán efectuándose sin interrupciones. Usted puede continuar realizando sus pagos en cualquiera de nuestras sucursales bancarias o a través de nuestros servicios de banca en línea. A partir del 10 de diciembre del 2018, todos los pagos hipotecarios deben ser endosados a Vantage Bank Texas y enviados a Vantage Bank Texas, P.O. Box 1700, McAllen, Texas 78505-1700.

COBERTURA DEL SEGURO DE LA FDIC

El monto estándar máximo asegurado por la FDIC es de $250,000 por cuentahabiente por cada institución financiera asegurada. Si usted tiene depósitos en ambas instituciones, Vantage Bank Texas e Inter National Bank, favor de leer “Su Cobertura Del Seguro De la FDIC” en la página 20 de este documento.

NOTIFICACIÓN DE RESOLUCIÓN DE ERRORES

A partir del 10 de diciembre del 2018, la dirección designada para reportar transferencias electrónicas no autorizadas será: Vantage Bank Texas, PO Box 1700, McAllen, Texas 78505-1700. Para realizar su reporte por teléfono, puede llamar al 866-580-7262.

DISPONIBILIDAD DE FONDOS CORRECCIÓN AL DOCUMENTO “DISPONIBILIDAD DE FONDOS”Se le comunica que hemos corregido un error en la Política de Disponibilidad de Fondos bajo la sección titulada, Longer Delays May Apply (título en inglés).Después de depositar un cheque, podrían presentarse circunstancias especiales en donde el banco no libere los fondos disponibles de forma inmediata. Si esto llegará a ocurrir, sus fondos estarán disponibles a más tardar en 7 días hábiles después del día del depósito, a diferencia del día hábil número 11 como previamente se había indicado. Sin importar el caso, se le notificará si hay un retraso en su habilidad de retirar fondos por cualquiera de estas razones y le indicaremos cuando los fondos estarán disponibles.

INTUIT QUICKEN Y/O QUICKBOOKS:

A partir del 10 de diciembre del 2018, cuando intente enlazar su cuenta bancaria al servicio de Intuit Quicken o QuickBooks, asegúrese de seleccionar Vantage Bank Texas como su institución bancaria.

CEREMONIAS DE DEVELACIÓN Lo invitamos cordialmente a formar parte de nuestras ceremonias de develación que tomarán lugar en las siguientes tres sucursales el lunes 10 de diciembre del 2018 a las 9:00 am (hora local de cada sucursal):

McAllen1801 S 2nd St.McAllen TX 78503

Laredo7219 McPherson Rd.Laredo, Texas 78041

El Paso175 E. Arizona St.El Paso, Texas 79902

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SERVICIOS BANCARIOS FUERA DE LA SUCURSAL

Vantage Bank Texas le brinda alternativas para que pueda disfrutar de nuestros servicios y mantener control de sus finanzas independientemente de dónde se encuentre. Aunque tenemos una amplia gama de servicios, aquí le presentamos algunas formas que Vantage Bank Texas hace su experiencia bancaria más placentera fuera de nuestras sucursales:

APLICACIÓN MÓVIL Y PARA TABLETAS

Con la aplicación móvil de Vantage Bank Texas para cuentas personales, usted puede depositar cheques, administrar el uso de su tarjeta de débito, hacer pagos directos a otras personas, implementar alertas para la cuenta, acceder a la aplicación fácilmente con Touch ID y mucho más.

DEPÓSITO DE CHEQUES A TRAVÉS DE DISPOSITIVOS

MÓVILES

Deposite cheques en su cuenta usando la aplicación móvil de Vantage Bank Texas con sólo tomar una fotografía del cheque desde su celular.

CARDVALET®

Administre la forma en que usa, o delimita el uso de su tarjeta de débito desde su aplicación móvil de Vantage Bank Texas con CardValet®.

POPMONEY

Sólo proporcione un número de teléfono celular o un correo electrónico para enviar y recibir dinero de cualquier persona en los EE.UU. en tan sólo minutos.

ALERTAS Y NOTIFICACIONES

Elija entre múltiples alertas de actividad y reciba notificaciones a través de su celular, correo electrónico, mensaje de texto o banca en línea para todas sus cuentas personales.

CARTERA DIGITAL

Con Digital Wallet, usted puede efectuar compras directamente desde su celular, tableta o reloj inteligente en cualquier comercio, aplicación móvil o a través del internet.

Nuestros clientes de negocios también pueden disfrutar de varios servicios y soluciones creadas para brindarles la flexibilidad y conveniencia que ellos necesitan:

APLICACIÓN MÓVIL PARA

NEGOCIOS

Con la aplicación móvil de Vantage

Bank Texas para cuentas de negocios,

usted puede programar pagos

de cuentas; configurar alertas y

notificaciones, someter, repasar y

aprobar instrucciones de pago ACH y

de transferencias domésticas; aprobar

transacciones programadas desde su

banca en línea, y mucho más.

SERVICIOS DE GESTIÓN DE

TESORERÍA

Incremente la efectividad de su negocio

y reduzca gastos de operación al

automatizar sus cuentas por cobrar,

pagos de nómina y otros tipos de

tramites.

PAGO DE CUENTAS PARA

PEQUEÑAS EMPRESAS

Envíe pagos, ya sea de una ocasión

o recurrentes; incluya información

de facturación para sus pagos,

implemente notificaciones sobre las

facturas por pagar.

BANCA EN LÍNEA PARA NEGOCIOS

Administre de forma segura las finanzas

de su negocio a través del sistema

de banca en línea de Vantage Bank

Texas. Disfrute de nuestro fácil sistema

de navegación, acceso a información

completa en tiempo real y la habilidad

de controlar el flujo de efectivo diario de

su negocio y el saldo de sus cuentas de

forma rápida y eficiente.

“CHAT” EN LÍNEA

Tenga una conversación a través de “chat” con uno de nuestros representantes de Atención al Cliente desde nuestro sitio web.

BANCA TELEFÓNICA AUTOMATIZADA

Obtenga información sobre su cuenta y transfiera fondos a través de cualquier teléfono al marcar al 866-580-7262.

DEPÓSITOS DESDE CAJEROS AUTOMÁTICOS

Deposite efectivo y cheques en la mayoría de nuestros cajeros automáticos, las 24 horas del día.


BANCA EN LÍNEA

Consulte el saldo de su cuenta, haga transferencias bancarias, revise el historial de sus transacciones y regístrese para recibir alertas. Todo esto y más al ingresar a su cuenta de Vantage Bank Texas.

PAGO DE RECIBOS EN LÍNEA

Pague todos sus recibos en línea o a través de su aplicación móvil en un par de simples pasos.

20 21

INFORMACIÓN IMPORTANTE REFERENTE A LA COBERTUR A DE TU SEGURO FDIC

AVISOS, TÉRMINOS Y CONDICIONES ADICIONALES

Para aquellos clientes que actualmente tienen cuentas de depósito en ambos bancos, Vantage Bank Texas e Inter National Bank, sus depósitos continuarán siendo asegurados por el Federal Deposit Insurance Corporation (FDIC). El seguro de depósito de la FDIC cubre todas las cuentas de depósito, incluyendo cuentas de cheques y ahorro, cuentas de depósito de mercado de dinero y certificados de depósito. El monto asegurado estándar es de $250,000 dólares para cada depositante, por banco asegurado de cada categoría de propiedad de cuenta. Vantage Bank Texas e Inter National Bank será considerada una sola identidad para el seguro de depósito FDIC. Sin embargo, siguiendo la fusión bancaria, los seguros de depósito de cada uno de los bancos continuarán separados por un periodo no menor a 6 meses después de la fusión. La prórroga que se le dio al periodo de cobertura del seguro de depósito está diseñada para permitir que los clientes tengan más tiempo para reestructurar sus cuentas y la titularidad de las mismas para así permitir que los seguros de depósito continúen después de la fusión. Para cuentas de depósito de cheques, ahorros y mercado de dinero, la cobertura separada del seguro de depósitos continuará por los seis meses siguientes a la fusión. Para certificados de depósito o depósitos a plazo que requieren más de seis meses después de la fusión, la cobertura del seguro continuará por separado hasta la etapa temprana de la fecha de maduración requerida, después de la vigencia del periodo de seis meses siguientes a la fusión.

La consolidación de los límites del seguro FDIC no impactará a nuestros clientes que mantienen cuentas de depósito en solo banco, Vantage Bank Texas o Inter National Bank. Como quiera, la cobertura máxima de seguro de depósito disponible para clientes que mantienen cuentas de depósito en ambos bancos previamente mencionados, podrían ser afectados. Si piensa que podría ser afectado por el límite de seguro de depósito actualizado, visite su sucursal más cercana. Para hablar con un representante de servicio al cliente por favor llame a: En el Valle del Rio Grande 956-664-8401 / El Paso 915-594-3400 / Laredo 956-721-7100. Desde México: 001-800-514-1549.

Rev. 06/2018 WHAT DOES VANTAGE BANK TEXAS (VBT) DO WITH YOUR PERSONAL INFORMATION?

4

Reasons we can share your personal information Does VBT Share? Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes – to offer our products and service to you

Yes No

For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes – information about your transactions and experiences

Yes No

For our affiliates’ everyday business purposes – information about your creditworthiness

Yes Yes

For our affiliates to market to you Yes Yes

For our nonaffiliates to market to you No We don’t share

-------------------------------------------------------------------------------------------------------------------------------------------- Mail-in Form Leave Blank OR If you have a joint account, your choice(s) will apply to everyone on your account unless you mark below.

Apply my choices only to me

Mark any/all you want to limit:

Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

Do not allow your affiliates to use my personal information to market to me. Do not share my personal information with nonaffiliates to market their products and services to me.

Name Mail to:

Vantage Bank Texas Attn: Call Center PO Box 1700 McAllen, TX 78505

Address

City, State, Zip

Account(s) #

FACTS

Why?

What?

How?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. The information can include: ▪ Social Security number and income ▪ Account balances and payment history ▪ Credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Vantage Bank Texas chooses to share; and whether you can limit this sharing.

Questions? Call (956) 664-8401 or 1-866-580-7262

To limit our sharing

▪ Mail the form below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

22 23

THIS PAGE WAS INTENTIONALLY LEFT BLANK

Rev. 06/2018

What we do How does VBT protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does VBT collect my personal information?

We collect your personal information, for example, when you

▪ Open an account or deposit money ▪ Pay your bills or apply for a loan ▪ Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

▪ Sharing for affiliates’ everyday business purposes – information about your creditworthiness

▪ Affiliates from using your information to market to you ▪ Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choice will apply to everyone on your account – unless you tell us otherwise.

Definitions Affiliates Companies related by common ownership or control. They can be financial and

nonfinancial companies. ▪ Our affiliates include companies with a common ownership such as

Edwards Abstract & Title, LLC.

Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. ▪ VBT does not share with nonaffiliates so they can market to you.

Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ▪ Our joint marketing partners include a marketing agency and credit card

company.

Other Important Information

Texas Residents Important Notice: Vantage Bank Texas is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Vantage Bank Texas should contact the Texas Department of Banking through one of the means indicated below: In Person or U.S. mail: Texas Department of Banking, 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No: 877-276-5554 (Toll Free), Fax: 512-475-1313, Email: [email protected], Website: www.dob.texas.gov. CA & VT Residents: We will not share your information with nonaffiliates without your consent except for our everyday business purposes and as required or permitted by law. NV Residents: For more information on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number 702-486-3132; Email [email protected].

Page 2

24 25

Banking Service Fees

ATM Service FeesATM transactions: VBT network ATMs*...............................................no charge Out-of-network ATMs (each transaction)**...........$3.00 Non-customer balance inquiry...................................$3.00 Non-customer transfer...................................................$3.00 Lost/replacement card (each).....................................$7.00

* Transactions at Vantage Bank Texas ATMs, plus all ATM locations displaying the Allpoint logo have no charge for VBT customers (conversion and cross border fees may apply). ** Transactions include withdrawals, balance inquiries and transfers. The ATM owner may charge an additional transaction fee.

Teller Service FeesCashier’s checks: Customers.................................................................$10.00 Non-customers.......................................................$12.00Cashed check for non-customers..................................$7.00Collection items (incoming and outgoing): Domestic.................................................................$20.00 International.......................................................cost + $20.00 Title drafts.......................................................................$25.00Counter slips (deposits/debits): 6 per statement cycle.........................................no charge 7 and above (each).........................................................$1.00Currency & coin services: Commercial deposit (per thousand)........................$0.25 Currency per strap .........................................................$0.30 Coin per roll.......................................................................$0.10 Coin per bag.................................................................. 1.50%

(of the total amount counted)Verification of coin deposit: Same denomination per bag......................................1.50%

(of the total amount counted)

Mixed denomination per bag......................................1.50%(of the total amount counted)

General Service Fees

Account activity printout (per printout).........................$5.00Account balancing assistance (per hour).................$25.00 (1-hour minimum and $1 per copy)Account closed before 90 days.....................................$25.00Account closed by mail.......................................................$5.00 Inactive account................................................................$10.00Account research (per hour)............................................$35.00 (1-hour minimum and $1 per copy)Amortization schedule......................................................$10.00Balance inquiry Direct Access & online...........................................no charge Staff-assisted..................................................................$3.00Check printing......................(varies with style and quantity)Copies Image copy........................................................................$5.00 Photo copies (per page)................................................$2.00Credit inquiry/account verification.............................$25.00Deposit correction................................................................$7.00Document services: Document executions..................................................$25.00 Garnishments/levies/freezes...........................$125.00 Indemnity bond.............................................................$25.00Endorsement stamps............................................................costNon-sufficient funds item (paid or returned)..........................................................$35.00Overdraft fee (per item) (paid or returned)..........................................................$35.00 (imposed on overdrafts created by checks, in-person withdrawals, ATM withdrawals, or other electronic means)

Re-deposited items.............................................................$7.00Returned deposit item..................................................... $12.00Rush replacement debit card (each)..........................$25.00Signature card revision...................................................$12.00Statements: Hold statements (per month).....................................$10.00 Printouts (each)................................................................$5.00 Returned mail..................................................................$15.00 Special statement cycle / cutoff.............................. $20.00 CD-ROM statement (each)........................................$10.00 Paper statements (per month).....................................$3.00Stop payment (per item).................................................$35.00Transfer of funds between VBT accounts Direct Access & online..........................................no charge Staff - assisted................................................................. $6.00Automatic sweep transfers (insufficient funds).......$12.00Automatic internal sweep transfers (Zero & Peg Bal.)

Master account (per month)......................................$20.00 Subsidiary accounts (per month)..................$5.00(each)Wire transfers - customers only Incoming domestic........................................................$15.00 Incoming international................................................$23.00Incoming return fee (based on wire amount) up to...............$20.00Outgoing domestic...........................................................$35.00Outgoing international....................................................$70.00Wires to and from Banorte............................................$20.00Mailed confirmation............................................................$3.00Electronic confirmation............................................no charge

Business Online banking Service Fees (Fees are applied upon service activation and/or use)

Security token for each online user...............................$25.00 (first token free)Small business bill pay Monthly maintenance.....................................................$5.95 Per transaction (first 10 items N/A)..............................$1.00Security token lost or stolen replacement................$25.00Stop payment.....................................................................$35.00Internal transfer between VBT accounts............no chargeWire Transfers Monthly maintenance....................................................$5.00 Outgoing domestic (US Funds).................................$28.00 Outgoing international (US Funds)..........................$63.00 Wires to Banorte............................................................$20.00

Treasury Management Service Fees(See separate schedule)

Business Service FeesInterest on overdraft (per month)....................................1.50%Night deposit services:

Lock bag..........................................................................$25.00 Refundable key deposit...............................................$10.00 Zipper bag.........................................................................$5.00VISA/MasterCard merchant services: Imprinter.........................................................................cost Point-of-sale terminal......................................................cost Chargebacks...........................................................$15.00 Correction notice...........................................................$10.00 Minimum monthly discount rate.............................$20.00 Supplies..........................................................................cost

WWW.VANTAGEBANK.COMTelephone 866-580-7262

Safe Deposit Box Fees(Boxes subject to availability. Contact your localbranch for information.)

Annual rental fees 3” X 5”...............................................................................$20.00 5” X 5”...............................................................................$25.00 3” X 10”.............................................................................$30.00 4” X 10”.............................................................................$35.00 5” X 10”.............................................................................$50.00 7” X 10”.............................................................................$75.00 10” X 10”............................................................................$75.00 10” X 15”..........................................................................$100.00 11” X 17”..........................................................................$135.00Key replacement (per key)............................................$25.00Drilling fees (lost key)..........................................................cost

Effective 12/10/18


















Safe Deposit Box Fees(Boxes subject to availability. Contact your local branch for information. Contents inside safe deposit boxes are not FDIC insured.)

Annual rental fees 3” X 5”...............................................................................$30.00 4” X 10”.............................................................................$35.00 3” X 10”.............................................................................$45.00 5” X 5”...............................................................................$50.00 5” X 10”.............................................................................$60.00 7” X 10”.............................................................................$75.00 10” X 10”.............................................................................$95.00 10” X 15”...........................................................................$100.00 11” X 17”............................................................................$135.00Key replacement (per key)............................................$25.00Drilling fees (lost key)..........................................................cost

Effective 12/10/18


















Safe Deposit Box Fees(Boxes subject to availability. Contact your localbranch for information.)

Annual rental fees 3” X 5”...............................................................................$20.00 5” X 5”...............................................................................$25.00 3” X 10”.............................................................................$30.00 4” X 10”.............................................................................$35.00 5” X 10”.............................................................................$50.00 7” X 10”.............................................................................$75.00 10” X 10”............................................................................$75.00 10” X 15”..........................................................................$100.00 11” X 17”..........................................................................$135.00Key replacement (per key)............................................$25.00Drilling fees (lost key)..........................................................cost

Effective 12/10/18


W W W.VA N TA G E . B A N K

Terms and Conditions of Your Account

,* VMP

- 2016

TC-TX 1/1/2018

Wolters Kluwer Financial Services

Terms and Conditions-TXBankers Systems

Page 1 of 10

Contents:Important Information about Procedures forOpening a New Account Agreement Liability Deposits Withdrawals Uniform Single-Party or Multiple-PartyAccount Selection Form Notice Business, Organization, and AssociationAccounts Stop Payments Telephone Transfers Amendments and Termination

Notices Statements Direct Deposits Temporary Account Agreement Setoff Check Processing Check Cashing Truncation, Substitute Checks, and OtherCheck Images Remotely Created Checks Unlawful Internet Gambling Notice ACH and Wire Transfers Facsimile Signatures Restrictive Legends or Indorsements Account Transfer Indorsements Death or Incompetence Fiduciary Accounts Credit Verification Legal Actions Affecting Your Account Security Telephonic Instructions Monitoring and Recording Telephone Calls andConsent to Receive Communications Claim of Loss Early Withdrawal Penalties Address or Name Changes Resolving Account Disputes Waiver of Notices Additional Terms

Your Duty to Report UnauthorizedSignatures, Alterations, and Forgeries Your Duty to Report Other Errors Errors Relating to Electronic Fund Transfersor Substitute Checks

(11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27) (28) (29) (30) (31) (32) (33) (34) (35) (36) (37) (38)

This agreement is subject to applicable federal laws, the lawsof the state of Texas and other applicable rules such as theoperating letters of the Federal Reserve Banks and paymentprocessing system rules (except to the extent that thisagreement can and does vary such rules or laws). The bodyof state and federal law that governs our relationship withyou, however, is too large and complex to be reproducedhere. The purpose of this document is to:

1.

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

What this means for you: When you open an account, wewill ask for your name, address, date of birth, and otherinformation that will allow us to identify you. We may alsoask to see your driver' s license or other identifyingdocuments.

(1) Important Information about Procedures forOpening a New Account. To help the government fightthe funding of terrorism and money laundering activities,federal law requires all financial institutions to obtain,verify, and record information that identifies each personwho opens an account.

to use the account, you agree to these rules. You willreceive a separate schedule of rates, qualifying balances, andfees if they are not included in this document. If you haveany questions, please call us.

summarize some laws that apply to commontransactions;

2. establish rules to cover transactions or events which thelaw does not regulate;

(2) Agreement. This document, along with any otherdocuments we give you pertaining to your account(s), is acontract that establishes rules which control your account(s)with us. Please read this carefully and retain it for futurereference. If you sign the signature card or open or continue

Generally Postdated Checks Checks and Withdrawal Rules A Temporary Debit Authorization HoldAffects Your Account Balance Overdrafts Multiple Signatures, Electronic CheckConversion, and Similar Transactions Notice of Withdrawal Single-Party Account Without "P.O.D."(Payable on Death) Designation Single-Party Account With "P.O.D."(Payable on Death) DesignationMultiple-Party Account Without Right ofSurvivorship Multiple-Party Account With Right ofSurvivorship Multiple-Party Account w ith Right ofSurvivorship and "P.O.D." (Payable onDeath) Designation Convenience Account Trust Account

(1801).00

26 27

an interest in your account. This also includes any actionthat you or a third party takes regarding the account thatcauses us, in good faith, to seek the advice of an attorney,whether or not we become involved in the dispute. All costsand attorneys' fees can be deducted from your account whenthey are incurred, without notice to you.

(4) Deposits. We will give only provisional credit untilcollection is final for any items, other than cash, we acceptfor deposit (including items drawn "on us"). Beforesettlement of any item becomes final, we act only as youragent, regardless of the form of indorsement or lack ofindorsement on the item and even though we provide youprovisional credit for the item. We may reverse anyprovisional credit for items that are lost, stolen, or returned.Unless prohibited by law, we also reserve the right to chargeback to your account the amount of any item deposited toyour account or cashed for you which was initially paid bythe payor bank and which is later returned to us due to anallegedly forged, unauthorized or missing indorsement,claim of alteration, encoding error or other problem whichin our judgment justifies reversal of credit. You authorize usto attempt to collect previously returned items without givingyou notice, and in attempting to collect we may permit thepayor bank to hold an item beyond the midnight deadline.Actual credit for deposits of, or payable in, foreign currencywill be at the exchange rate in effect on final collection inU.S. dollars. We are not responsible for transactions by mailor outside depository until we actually record them. We willtreat and record all transactions received after our "dailycutoff time" on a business day we are open, or received on aday we are not open for business, as if initiated on the nextbusiness day that we are open. At our option, we may takean item for collection rather than for deposit. If we accept athird-party check for deposit, we may require anythird-party indorsers to verify or guarantee theirindorsements, or indorse in our presence.

(5) Withdrawals.

Generally. Unless clearly indicated otherwise on theaccount records, any of you, acting alone, who signs toopen the account or has authority to make withdrawalsmay withdraw or transfer all or any part of the accountbalance at any time. Each of you (until we receive writtennotice to the contrary) authorizes each other person whosigns or has authority to make withdrawals to indorse anyitem payable to you or your order for deposit to thisaccount or any other transaction with us.

Postdated Checks. A postdated check is one whichbears a date later than the date on which the check iswritten. We may properly pay and charge your accountfor a postdated check even though payment was madebefore the date of the check, unless we have receivedwritten notice of the postdating in time to have areasonable opportunity to act. Because we process checksmechanically, your notice will not be effective and wewill not be liable for failing to honor your notice unless it

4. give you disclosures of some of our policies to whichyou may be entitled or in which you may be interested.

establish rules for certain transactions or events whichthe law regulates but permits variation by agreement;and

3.

"Party" means a person who, by the terms of an account,has a present right, subject to request, to payment from theaccount other than as a beneficiary or agent.

You will be liable for our costs as well as for our reasonableattorneys' fees, to the extent permitted by law, whetherincurred as a result of collection or in any other disputeinvolving your account. This includes, but is not limited to,disputes between you and another joint owner; you and anauthorized signer or similar party; or a third party claiming

(3) Liability. You agree, for yourself (and the person orentity you represent if you sign as a representative ofanother) to the terms of this account and the schedule ofcharges. You authorize us to deduct these charges, withoutnotice to you, directly from the account balance as accrued.You will pay any additional reasonable charges for servicesyou request which are not covered by this agreement.

As used in this document the words "we," "our," and "us"mean the financial institution and the words "you" and"your" mean the account holder(s) and anyone else with theauthority to deposit, withdraw, or exercise control over thefunds in the account. However, this agreement does notintend, and the terms "you" and "your" should not beinterpreted, to expand an individual' s responsibility for anorganization' s liability. If this account is owned by acorporation, partnership or other organization, individualliability is determined by the laws generally applicable tothat type of organization. The headings in this document arefor convenience or reference only and will not govern theinterpretation of the provisions. Unless it would beinconsistent to do so, words and phrases used in thisdocument should be construed so the singular includes theplural and the plural includes the singular.

If any provision of this document is found to beunenforceable according to its terms, all remainingprovisions will continue in full force and effect. We maypermit some variations from our standard agreement, but wemust agree to any variation in writing either on the signaturecard for your account or in some other document. Nothingin this document is intended to vary our duty to act in goodfaith and with ordinary care when required by law.

Each of you also agrees to be jointly and severally(individually) liable for any account shortage resulting fromcharges or overdrafts, whether caused by you or anotherwith access to this account. This liability is due immediately,and can be deducted directly from the account balancewhenever sufficient funds are available. You have no rightto defer payment of this liability, and you are liableregardless of whether you signed the item or benefited fromthe charge or overdraft.

,* VMP

- 2016

TC-TX 1/1/2018



Page 2 of 10(1801).00

You have $120 in your account. You swipe your card atthe card reader on a gasoline pump. Since it is unclearwhat the final bill will be, the gas station' s processingsystem immediately requests a hold on your account in aspecified amount, for example, $80. Our processingsystem authorizes a temporary hold on your account inthe amount of $80, and the gas station' s processingsystem authorizes you to begin pumping gas. You fillyour tank and the amount of gasoline you purchased isonly $50. Our processing system shows that you have$40 in your account available for other transactions ($120- $80 = $40) even though you would have $70 in youraccount available for other transactions if the amount ofthe temporary hold was equal to the amount of yourpurchase ($120 - $50 = $70). Later, another transactionyou have authorized is presented for payment from youraccount in the amount of $60 (this could be a check youhave written, another debit card transaction, an ACHdebit or any other kind of payment request). This othertransaction is presented before the amount of thetemporary hold is adjusted to the amount of yourpurchase (remember, it may take up to three days for theadjustment to be made). Because the amount of this othertransaction is greater than the amount our processingsystem shows is available in your account, our paymentof this transaction will result in an overdraft transaction.Because the transaction overdraws your account by $20,your account will be assessed the overdraft fee of $35according to our overdraft fee policy. You will becharged this $35 fee according to our policy even thoughyou would have had enough money in your account tocover the $60 transaction if your account had only beendebited the amount of your purchase rather than theamount of the temporary hold or if the temporary holdhad already been adjusted to the actual amount of yourpurchase.

Even if we honor a nonconforming request, we are notrequired to do so later. If you violate the statedtransaction limitations (if any), in our discretion we mayclose your account or reclassify it as a transactionaccount. If we reclassify your account, your account willbe subject to the fees and earnings rules of the newaccount classification.

If we are presented with an item drawn against youraccount that would be a "substitute check," as defined bylaw, but for an error or defect in the item introduced inthe substitute check creation process, you agree that wemay pay such item.

See the funds availability policy disclosure forinformation about when you can withdraw funds youdeposit. For those accounts to which our fundsavailability policy disclosure does not apply, you can askus when you make a deposit when those funds will beavailable for withdrawal. An item may be returned afterthe funds from the deposit of that item are made availablefor withdrawal. In that case, we will reverse the credit ofthe item. We may determine the amount of availablefunds in your account for the purpose of deciding whetherto return an item for insufficient funds at any timebetween the time we receive the item and when we returnthe item or send a notice in lieu of return. We need onlymake one determination, but if we choose to make asubsequent determination, the account balance at thesubsequent time will determine whether there areinsufficient available funds.

precisely identifies the number, date, amount and payeeof the item.

Here is an example of how this can occur - assume forthis example the following: (1) you have opted-in to ouroverdraft services for the payment of overdrafts on ATMand everyday debit card transactions, (2) we pay theoverdraft, and (3) our overdraft fee is $35 per overdraft,but we do not charge the overdraft fee if the transactionoverdraws the account by less than $10.

A Temporary Debit Authorization Hold AffectsYour Account Balance. On debit card purchases,merchants may request a temporary hold on your accountfor a specified sum of money, which may be more thanthe actual amount of your purchase. When this happens,our processing system cannot determine that the amountof the hold exceeds the actual amount of your purchase.This temporary hold, and the amount charged to youraccount, will eventually be adjusted to the actual amountof your purchase, but it may be up to three days beforethe adjustment is made. Until the adjustment is made, theamount of funds in your account available for other

Checks and Withdrawal Rules. If you do not purchaseyour check blanks from us, you must be certain that weapprove the check blanks you purchase. We may refuseany withdrawal or transfer request which you attempt onforms not approved by us or by any method we do notspecifically permit. We may refuse any withdrawal ortransfer request which is greater in number than thefrequency permitted, or which is for an amount greater orless than any withdrawal limitations. We will use the datethe transaction is completed by us (as opposed to the dateyou initiate it) to apply the frequency limitations. Inaddition, we may place limitations on the account untilyour identity is verified.

Overdrafts. You understand that we may, at ourdiscretion, honor withdrawal requests that overdraw youraccount. However, the fact that we may honor withdrawalrequests that overdraw the account balance does not

transactions will be reduced by the amount of thetemporary hold. If another transaction is presented forpayment in an amount greater than the funds left after thededuction of the temporary hold amount, that transactionwill be a nonsufficient funds (NSF) transaction if we donot pay it or an overdraft transaction if we do pay it. Youwill be charged an NSF or overdraft fee according to ourNSF or overdraft fee policy. You will be charged the feeeven if you would have had sufficient funds in youraccount if the amount of the hold had been equal to theamount of your purchase.

,* VMP

- 2016

TC-TX 1/1/2018



Page 3 of 10(1801).00

28 29

Multiple Signatures, Electronic Check Conversion,and Similar Transactions. An electronic checkconversion transaction is a transaction where a check orsimilar item is converted into an electronic fund transferas defined in the Electronic Fund Transfers regulation. Inthese types of transactions the check or similar item iseither removed from circulation (truncated) or given backto you. As a result, we have no opportunity to review thecheck to examine the signatures on the item. You agreethat, as to these or any items as to which we have noopportunity to examine the signatures, you waive anyrequirement of multiple signatures.

Multiple-Party Account Without Right ofSurvivorship. The parties to the account own the accountin proportion to the parties' net contributions to theaccount. The financial institution may pay any sum in theaccount to a party at any time. On the death of a party,the party' s ownership of the account passes as a part ofthe party' s estate under the party' s will or by intestacy.

Multiple-Party Account With Right of Survivorshipand "P.O.D." (Payable on Death) Designation. Theparties to the account own the account in proportion to theparties' net contributions to the account. The financialinstitution may pay any sum in the account to a party atany time. On the death of the last surviving party, theownership of the account passes to the P.O.D.beneficiaries.

Convenience Account. The parties to the account ownthe account. One or more convenience signers to theaccount may make account transactions for a party. Aconvenience signer does not own the account. On thedeath of the last surviving party, ownership of theaccount passes as a part of the last surviving party' s estateunder the last surviving party' s will or by intestacy. Thefinancial institution may pay funds in the account to aconvenience signer before the financial institutionreceives notice of the death of the last surviving party.The payment to a convenience signer does not affect theparties' ownership of the account.

(7) Business, Organization, and AssociationAccounts. Earnings in the form of interest, dividends, orcredits will be paid only on collected funds, unless otherwiseprovided by law or our policy. You represent that you havethe authority to open and conduct business on this accounton behalf of the entity. We may require the governing

obligate us to do so later. So you can NOT rely on us topay overdrafts on your account regardless of howfrequently or under what circumstances we have paidoverdrafts on your account in the past. We can changeour practice of paying overdrafts on your account withoutnotice to you. You can ask us if we have other accountservices that might be available to you where we committo paying overdrafts under certain circumstances, such asan overdraft protection line-of-credit or a plan to sweepfunds from another account you have with us. You agreethat we may charge fees for overdrafts. For consumeraccounts, we will not charge fees for overdrafts caused byATM withdrawals or one-time debit card transactions ifyou have not opted-in to that service. We may usesubsequent deposits, including direct deposits of socialsecurity or other government benefits, to cover suchoverdrafts and overdraft fees.

Single-Party Account With "P.O.D." (Payable onDeath) Designation. The party to the account owns theaccount. On the death of the party, ownership of theaccount passes to the P.O.D. beneficiaries of the account.The account is not a part of the party' s estate.

Notice of Withdrawal. We reserve the right to requirenot less than 7 days' notice in writing before eachwithdrawal from an interest-bearing account other than atime deposit or demand deposit, or from any othersavings account as defined by Regulation D. (The lawrequires us to reserve this right, but it is not our generalpolicy to use it.) Withdrawals from a time account priorto maturity or prior to any notice period may be restrictedand may be subject to penalty. See your notice of penaltyfor early withdrawal.

(6) Uniform Single-Party or Multiple-Party AccountSelection Form Notice. The type of account you selectmay determine how property passes on your death. Yourwill may not control the disposition of funds held in some ofthe following accounts. You may choose to designate one ormore convenience signers on an account, even if the accountis not a convenience account. A designated conveniencesigner may make transactions on your behalf during yourlifetime, but does not own the account during your lifetime.The designated convenience signer owns the account on yourdeath only if the convenience signer is also designated as aP.O.D. payee or trust account beneficiary.

Single-Party Account Without "P.O.D." (Payableon Death) Designation. The party to the account ownsthe account. On the death of the party, ownership of theaccount passes as a part of the party' s estate under theparty' s will or by intestacy.

Trust Account. The parties named as trustees to theaccount own the account in proportion to the parties' netcontributions to the account. A trustee may withdrawfunds from the account. A beneficiary may not withdrawfunds from the account before all trustees are deceased.On the death of the last surviving trustee, the ownershipof the account passes to the beneficiary. The trust accountis not a part of a trustee' s estate and does not pass underthe trustee' s will or by intestacy, unless the trusteesurvives all of the beneficiaries and all other trustees.

Multiple-Party Account With Right of Survivorship.The parties to the account own the account in proportionto the parties' net contributions to the account. Thefinancial institution may pay any sum in the account to aparty at any time. On the death of a party, the party' sownership of the account passes to the surviving parties.

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We may accept an order to stop payment on any item fromany one of you. You must make any stop-payment order inthe manner required by law; it must be made in a dated,authenticated record that describes the item with certainty.(Generally, a "record" is information that is stored in such away that it can be retrieved and can be heard or read andunderstood - you can ask us what type of stop paymentrecords you can give us). We must receive it in time to giveus a reasonable opportunity to act on it before ourstop-payment cutoff time. Because stop-payment orders arehandled by computers, to be effective, your stop-paymentorder must precisely identify the number, date, and amountof the item, and the payee.

Our stop-payment cutoff time is one hour after the openingof the next banking day after the banking day on which wereceive the item. Additional limitations on our obligation tostop payment are provided by law (e.g., we paid the item incash or we certified the item).

(9) Telephone Transfers. A telephone transfer of fundsfrom this account to another account with us, if otherwisearranged for or permitted, may be made by the same personsand under the same conditions generally applicable towithdrawals made in writing. Unless a different limitation isdisclosed in writing, we restrict the number of transfersfrom a savings account to another account or to thirdparties, to a maximum of six per month (less the number of

(8) Stop Payments. Unless otherwise provided, the rulesin this section cover stopping payment of items such aschecks and drafts. Rules for stopping payment of other typesof transfers of funds, such as consumer electronic fundtransfers, may be established by law or our policy. If wehave not disclosed these rules to you elsewhere, you mayask us about those rules.

(10) Amendments and Termination. We may changeany term of this agreement. Rules governing changes ininterest rates are provided separately in the Truth-in-Savingsdisclosure or in another document. For other changes, wewill give you reasonable notice in writing or by any othermethod permitted by law. We may also close this account atany time upon reasonable notice to you and tender of theaccount balance personally or by mail. Items presented forpayment after the account is closed may be dishonored.When you close your account, you are responsible forleaving enough money in the account to cover anyoutstanding items to be paid from the account. Reasonablenotice depends on the circumstances, and in some cases suchas when we cannot verify your identity or we suspect fraud,it might be reasonable for us to give you notice after thechange or account closure becomes effective. For instance,if we suspect fraudulent activity with respect to youraccount, we might immediately freeze or close your accountand then give you notice. If we have notified you of achange in any term of your account and you continue tohave your account after the effective date of the change, youhave agreed to the new term(s).

Your Duty to Report Unauthorized Signatures,Alterations, and Forgeries. You must examine yourstatement of account with "reasonable promptness." Ifyou discover (or reasonably should have discovered) anyunauthorized signatures or alterations, you must promptlynotify us of the relevant facts. As between you and us, ifyou fail to do either of these duties, you will have toeither share the loss with us, or bear the loss entirelyyourself (depending on whether we used ordinary careand, if not, whether we contributed to the loss). The losscould be not only with respect to items on the statementbut other items with unauthorized signatures or alterationsby the same wrongdoer.

You agree that the time you have to examine yourstatement and report to us will depend on thecircumstances, but will not, in any circumstance, exceeda total of 30 days from when the statement is first sent ormade available to you.

(11) Notices. Any written notice you give us is effectivewhen we actually receive it, and it must be given to usaccording to the specific delivery instructions providedelsewhere, if any. We must receive it in time to have areasonable opportunity to act on it. If the notice is regardinga check or other item, you must give us sufficientinformation to be able to identify the check or item,including the precise check or item number, amount, dateand payee. Written notice we give you is effective when it isdeposited in the United States Mail with proper postage andaddressed to your mailing address we have on file. Notice toany of you is notice to all of you.

(12) Statements.

"preauthorized transfers" during the month). Other accounttransfer restrictions may be described elsewhere.

You may stop payment on any item drawn on your accountwhether you sign the item or not. Your stop-payment orderis effective for six months. Your order will lapse after thattime if you do not renew the order in writing before the endof the six-month period. We are not obligated to notify youwhen a stop-payment order expires. A release of thestop-payment request may be made only by the person whoinitiated the stop-payment order.

If you stop payment on an item and we incur any damagesor expenses because of the stop payment, you agree toindemnify us for those damages or expenses, includingattorneys' fees. You assign to us all rights against the payeeor any other holder of the item. You agree to cooperate withus in any legal actions that we may take against suchpersons. You should be aware that anyone holding the itemmay be entitled to enforce payment against you despite thestop-payment order.

body of the entity opening the account to give us a separateauthorization telling us who is authorized to act on itsbehalf. We will honor the authorization until we actuallyreceive written notice of a change from the governing bodyof the entity.

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(14) Temporary Account Agreement. If the accountdocumentation indicates that this is a temporary accountagreement, each person who signs to open the account orhas authority to make withdrawals (except as indicated to thecontrary) may transact business on this account. However,we may at some time in the future restrict or prohibit furtheruse of this account if you fail to comply with therequirements we have imposed within a reasonable time.

(15) Setoff. We may (without prior notice and whenpermitted by law) set off the funds in this account againstany due and payable debt any of you owe us now or in the

(16) Check Processing. We process items mechanicallyby relying solely on the information encoded in magnetic inkalong the bottom of the items. This means that we do notindividually examine all of your items to determine if theitem is properly completed, signed and indorsed or todetermine if it contains any information other than what isencoded in magnetic ink. You agree that we have exercisedordinary care if our automated processing is consistent withgeneral banking practice, even though we do not inspecteach item. Because we do not inspect each item, if you writea check to multiple payees, we can properly pay the checkregardless of the number of indorsements unless you notifyus in writing that the check requires multiple indorsements.We must receive the notice in time for us to have areasonable opportunity to act on it, and you must tell us theprecise date of the check, amount, check number and payee.We are not responsible for any unauthorized signature oralteration that would not be identified by a reasonableinspection of the item. Using an automated process helps uskeep costs down for you and all account holders.

You further agree that if you fail to report anyunauthorized signatures, alterations or forgeries in youraccount within 60 days of when we first send or make thestatement available, you cannot assert a claim against uson any items in that statement, and as between you and usthe loss will be entirely yours. This 60-day limitation iswithout regard to whether we used ordinary care. Thelimitation in this paragraph is in addition to that containedin the first paragraph of this section.

(17) Check Cashing. We may charge a fee for anyone thatdoes not have an account with us who is cashing a check,draft or other instrument written on your account. We mayalso require reasonable identification to cash such a check,draft or other instrument. We can decide what identificationis reasonable under the circumstances and such identificationmay be documentary or physical and may include collectinga thumbprint or fingerprint.

(18) Truncation, Substitute Checks, and Other CheckImages. If you truncate an original check and create asubstitute check, or other paper or electronic image of the

Your Duty to Report Other Errors. In addition to yourduty to review your statements for unauthorizedsignatures, alterations and forgeries, you agree toexamine your statement with reasonable promptness forany other error - such as an encoding error. In addition,if you receive or we make available either your items orimages of your items, you must examine them for anyunauthorized or missing indorsements or any otherproblems. You agree that the time you have to examineyour statement and items and report to us will depend onthe circumstances. However, this time period shall notexceed 60 days. Failure to examine your statement anditems and report any errors to us within 60 days of whenwe first send or make the statement available precludesyou from asserting a claim against us for any errors onitems identified in that statement and as between you andus the loss will be entirely yours.

(13) Direct Deposits. If we are required for any reason toreimburse the federal government for all or any portion of abenefit payment that was directly deposited into youraccount, you authorize us to deduct the amount of ourliability to the federal government from the account or fromany other account you have with us, without prior notice andat any time, except as prohibited by law. We may also useany other legal remedy to recover the amount of ourliability.

future. If this account is owned by one or more of you asindividuals, we may set off any funds in the account againsta due and payable debt a partnership owes us now or in thefuture, to the extent of your liability as a partner for thepartnership debt. If your debt arises from a promissory note,then the amount of the due and payable debt will be the fullamount we have demanded, as entitled under the terms ofthe note, and this amount may include any portion of thebalance for which we have properly accelerated the due date.

This right of setoff does not apply to this account ifprohibited by law. For example, the right of setoff does notapply to this account if: (a) it is an Individual RetirementAccount or similar tax-deferred account, or (b) the debt iscreated by a consumer credit transaction under a credit cardplan (but this does not affect our rights under any consensualsecurity interest), or (c) the debtor' s right of withdrawalonly arises in a representative capacity, or (d) the debt iscreated by a home equity loan, or (e) setoff is prohibited bythe Military Lending Act or its implementing regulations.We will not be liable for the dishonor of any check when thedishonor occurs because we set off a debt against thisaccount. You agree to hold us harmless from any claimarising as a result of our exercise of our right of setoff.

Errors Relating to Electronic Fund Transfers orSubstitute Checks (For consumer accounts only). Forinformation on errors relating to electronic fund transfers(e.g., computer, debit card or ATM transactions) refer toyour Electronic Fund Transfers disclosure and thesections on consumer liability and error resolution. Forinformation on errors relating to a substitute check youreceived, refer to your disclosure entitled SubstituteChecks and Your Rights.

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(20) Unlawful Internet Gambling Notice. Restrictedtransactions as defined in Federal Reserve Regulation GGare prohibited from being processed through this account orrelationship. Restricted transactions generally include, butare not limited to, those in which credit, electronic fundtransfers, checks, or drafts are knowingly accepted bygambling businesses in connection with the participation byothers in unlawful Internet gambling.

(23) Restrictive Legends or Indorsements. Theautomated processing of the large volume of checks wereceive prevents us from inspecting or looking for restrictivelegends, restrictive indorsements or other special instructionson every check. Examples of restrictive legends placed onchecks are "must be presented within 90 days" or "not validfor more than $1,000.00." The payee' s signatureaccompanied by the words "for deposit only" is an exampleof a restrictive indorsement. For this reason, we are notrequired to honor any restrictive legend or indorsement orother special instruction placed on checks you write unlesswe have agreed in writing to the restriction or instruction.Unless we have agreed in writing, we are not responsible forany losses, claims, damages, or expenses that result fromyour placement of these restrictions or instructions on yourchecks.

(22) Facsimile Signatures. Unless you make advancearrangements with us, we have no obligation to honorfacsimile signatures on your checks or other orders. If we doagree to honor items containing facsimile signatures, youauthorize us, at any time, to charge you for all checks,drafts, or other orders, for the payment of money, that aredrawn on us. You give us this authority regardless of bywhom or by what means the facsimile signature(s) may havebeen affixed so long as they resemble the facsimile signaturespecimen filed with us, and contain the required number ofsignatures for this purpose. You must notify us at once ifyou suspect that your facsimile signature is being or hasbeen misused.

(21) ACH and Wire Transfers. This agreement is subjectto Article 4A of the Uniform Commercial Code - FundTransfers as adopted in the state in which you have youraccount with us. If you originate a fund transfer and youidentify by name and number a beneficiary financialinstitution, an intermediary financial institution or abeneficiary, we and every receiving or beneficiary financialinstitution may rely on the identifying number to makepayment. We may rely on the number even if it identifies a

(24) Account Transfer. This account may not betransferred or assigned without our prior written consent.

(25) Indorsements. We may accept for deposit any itempayable to you or your order, even if they are not indorsedby you. We may give cash back to any one of you. We maysupply any missing indorsement(s) for any item we acceptfor deposit or collection, and you warrant that allindorsements are genuine.

You warrant and agree to the following for every remotelycreated check we receive from you for deposit or collection:(1) you have received express and verifiable authorization tocreate the check in the amount and to the payee that appearson the check; (2) you will maintain proof of theauthorization for at least 2 years from the date of theauthorization, and supply us the proof if we ask; and (3) if acheck is returned you owe us the amount of the check,regardless of when the check is returned. We may takefunds from your account to pay the amount you owe us, andif there are insufficient funds in your account, you still oweus the remaining balance.

To ensure that your check or share draft is processedwithout delay, you must indorse it (sign it on the back) in aspecific area. Your entire indorsement (whether a signature

original check, you warrant that no one will be asked tomake payment on the original check, a substitute check orany other electronic or paper image, if the paymentobligation relating to the original check has already beenpaid. You also warrant that any substitute check you createconforms to the legal requirements and generally acceptedspecifications for substitute checks. You agree to retain theoriginal check in conformance with our internal policy forretaining original checks. You agree to indemnify us for anyloss we may incur as a result of any truncated checktransaction you initiate. We can refuse to accept substitutechecks that have not previously been warranted by a bank orother financial institution in conformance with the Check 21Act. Unless specifically stated in a separate agreementbetween you and us, we do not have to accept any otherelectronic or paper image of an original check.

(19) Remotely Created Checks. Like any standard checkor draft, a remotely created check (sometimes called atelecheck, preauthorized draft or demand draft) is a check ordraft that can be used to withdraw money from an account.Unlike a typical check or draft, however, a remotely createdcheck is not issued by the paying bank and does not containthe signature of the account owner (or a signature purportedto be the signature of the account owner). In place of asignature, the check usually has a statement that the ownerauthorized the check or has the owner' s name typed orprinted on the signature line.

financial institution, person or account other than the onenamed. You agree to be bound by automated clearing houseassociation rules. These rules provide, among other things,that payments made to you, or originated by you, areprovisional until final settlement is made through a FederalReserve Bank or payment is otherwise made as provided inArticle 4A-403(a) of the Uniform Commercial Code. If wedo not receive such payment, we are entitled to a refundfrom you in the amount credited to your account and theparty originating such payment will not be considered tohave paid the amount so credited. Credit entries may bemade by ACH. If we receive a payment order to credit anaccount you have with us by wire or ACH, we are notrequired to give you any notice of the payment order orcredit.

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(28) Credit Verification. You agree that we may verifycredit and employment history by any necessary means,including preparation of a credit report by a credit reportingagency.

(29) Legal Actions Affecting Your Account. If we areserved with a subpoena, restraining order, writ ofattachment or execution, levy, garnishment, search warrant,or similar order relating to your account (termed "legalaction" in this section), we will comply with that legalaction. Or, in our discretion, we may freeze the assets in theaccount and not allow any payments out of the account untila final court determination regarding the legal action. Wemay do these things even if the legal action involves lessthan all of you. In these cases, we will not have any liabilityto you if there are insufficient funds to pay your itemsbecause we have withdrawn funds from your account or inany way restricted access to your funds in accordance withthe legal action. Any fees or expenses we incur inresponding to any legal action (including, without limitation,attorneys' fees and our internal expenses) may be chargedagainst your account. The list of fees applicable to youraccount(s) provided elsewhere may specify additional feesthat we may charge for certain legal actions.

(27) Fiduciary Accounts. Accounts may be opened by aperson acting in a fiduciary capacity. A fiduciary is someone

(26) Death or Incompetence. You agree to notify uspromptly if any person with a right to withdraw funds fromyour account(s) dies or is adjudicated (determined by theappropriate official) incompetent. We may continue to honoryour checks, items, and instructions until: (a) we know ofyour death or adjudication of incompetence, and (b) we havehad a reasonable opportunity to act on that knowledge. Youagree that we may pay or certify checks drawn on or beforethe date of death or adjudication of incompetence for up toten (10) days after your death or adjudication ofincompetence unless ordered to stop payment by someoneclaiming an interest in the account.

It is important that you confine the indorsement informationto this area since the remaining blank space will be used byothers in the processing of the check to place additionalneeded indorsements and information. You agree that youwill indemnify, defend, and hold us harmless for any loss,liability, damage or expense that occurs because yourindorsement, another indorsement, or information you haveprinted on the back of the check obscures our indorsement.These indorsement guidelines apply to both personal andbusiness checks.

(30) Security. It is your responsibility to protect theaccount numbers and electronic access devices (e.g., anATM card) we provide you for your account(s). Do notdiscuss, compare, or share information about your accountnumber(s) with anyone unless you are willing to give themfull use of your money. An account number can be used bythieves to issue an electronic debit or to encode your numberon a false demand draft which looks like and functions likean authorized check. If you furnish your access device andgrant actual authority to make transfers to another person (afamily member or coworker, for example) who then exceedsthat authority, you are liable for the transfers unless we havebeen notified that transfers by that person are no longerauthorized. Your account number can also be used toelectronically remove money from your account, andpayment can be made from your account even though youdid not contact us directly and order the payment. You mustalso take precaution in safeguarding your blank checks.Notify us at once if you believe your checks have been lostor stolen. As between you and us, if you are negligent insafeguarding your checks, you must bear the loss entirelyyourself or share the loss with us (we may have to share

or a stamp) along with any other indorsement information(e.g., additional indorsements, ID information, driver' slicense number, etc.) must fall within 1 1/2" of the "trailingedge" of a check. Indorsements must be made in blue orblack ink, so that they are readable by automated checkprocessing equipment.

As you look at the front of a check, the "trailing edge" is theleft edge. When you flip the check over, be sure to keep allindorsement information within 1 1/2" of that edge.

who is appointed to act on behalf of and for the benefit ofanother. We are not responsible for the actions of afiduciary, including the misuse of funds. This account maybe opened and maintained by a person or persons named asa trustee under a written trust agreement, or as executors,administrators, or conservators under court orders. Youunderstand that by merely opening such an account, we arenot acting in the capacity of a trustee in connection with thetrust nor do we undertake any obligation to monitor orenforce the terms of the trust or letters.

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(34) Early Withdrawal Penalties (and involuntarywithdrawals). We may impose early withdrawal penalties ona withdrawal from a time account even if you don' t initiatethe withdrawal. For instance, the early withdrawal penaltymay be imposed if the withdrawal is caused by our setoffagainst funds in the account or as a result of an attachmentor other legal process. We may close your account andimpose the early withdrawal penalty on the entire accountbalance in the event of a partial early withdrawal. See yournotice of penalty for early withdrawals for additionalinformation.

Your consent does not authorize us to contact you fortelemarketing purposes (unless you otherwise agreedelsewhere).

(35) Address or Name Changes. You are responsible fornotifying us of any change in your address or your name.Unless we agree otherwise, change of address or name mustbe made in writing by at least one of the account holders.Informing us of your address or name change on a checkreorder form is not sufficient. We will attempt tocommunicate with you only by use of the most recentaddress you have provided to us. If provided elsewhere, wemay impose a service fee if we attempt to locate you.

(36) Resolving Account Disputes. We may place anadministrative hold on the funds in your account (refusepayment or withdrawal of the funds) if it becomes subject toa claim adverse to (1) your own interest; (2) others claimingan interest as survivors or beneficiaries of your account; or(3) a claim arising by operation of law. The hold may beplaced for such period of time as we believe reasonably

If necessary, you may change or remove any of thetelephone numbers or email addresses at any time using anyreasonable means to notify us.

}

Your consent is limited to your account, and asauthorized by applicable law and regulations.

}

To provide you with the best possible service in our ongoingbusiness relationship for your account we may need tocontact you about your account from time to time bytelephone, text messaging or email. However, we must firstobtain your consent to contact you about your accountbecause we must comply with the consumer protectionprovisions in the federal Telephone Consumer ProtectionAct of 1991 (TCPA), CAN-SPAM Act and their relatedfederal regulations and orders issued by the FederalCommunications Commission (FCC).

This consent is regardless of whether the number we use tocontact you is assigned to a landline, a paging service, acellular wireless service, a specialized mobile radio service,other radio common carrier service or any other service forwhich you may be charged for the call. You further

authorize us to contact you through the use of voice, voicemail and text messaging, including the use of pre-recordedor artificial voice messages and an automated dialing device.

(32) Monitoring and Recording Telephone Calls andConsent to Receive Communications. Subject to federaland state law, we may monitor or record phone calls forsecurity reasons, to maintain a record and to ensure that youreceive courteous and efficient service. You consent inadvance to any such recording.

(31) Telephonic Instructions. Unless required by law orwe have agreed otherwise in writing, we are not required toact upon instructions you give us via facsimile transmissionor leave by voice mail or on a telephone answering machine.

(33) Claim of Loss. If you claim a credit or refundbecause of a forgery, alteration, or any other unauthorizedwithdrawal, you agree to cooperate with us in theinvestigation of the loss, including giving us an affidavitcontaining whatever reasonable information we requireconcerning your account, the transaction, and thecircumstances surrounding the loss. You will notify lawenforcement authorities of any criminal act related to theclaim of lost, missing, or stolen checks or unauthorizedwithdrawals. We will have a reasonable period of time toinvestigate the facts and circumstances surrounding anyclaim of loss. Unless we have acted in bad faith, we will notbe liable for special or consequential damages, includingloss of profits or opportunity, or for attorneys' fees incurredby you. You agree that you will not waive any rights youhave to recover your loss against anyone who is obligated torepay, insure, or otherwise reimburse you for your loss.You will pursue your rights or, at our option, assign them tous so that we may pursue them. Our liability will be reducedby the amount you recover or are entitled to recover fromthese other sources.

Except for consumer electronic funds transfers subject toRegulation E, you agree that if we offer you servicesappropriate for your account to help identify and limit fraudor other unauthorized transactions against your account,such as positive pay or commercially reasonable securityprocedures, and you reject those services, you will beresponsible for any fraudulent or unauthorized transactionswhich could have been prevented by the services we offered,unless we acted in bad faith or to the extent our negligencecontributed to the loss. If we offered you a commerciallyreasonable security procedure which you reject, you agreethat you are responsible for any payment order, whetherauthorized or not, that we accept in compliance with analternative security procedure that you have selected.

some of the loss if we failed to use ordinary care and if wesubstantially contributed to the loss).

With the above understandings, you authorize us to contactyou regarding your account throughout its existence usingany telephone numbers or email addresses that you havepreviously provided to us or that you may subsequentlyprovide to us.

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(38) Additional Terms.

necessary to allow a legal proceeding to determine the meritsof the claim or until we receive evidence satisfactory to usthat the dispute has been resolved. We will not be liable forany items that are dishonored as a consequence of placing ahold on funds in your account for these reasons.

(37) Waiver of Notices. To the extent permitted by law,you waive any notice of non-payment, dishonor or protestregarding any items credited to or charged against youraccount. For example, if you deposit a check and it isreturned unpaid or we receive a notice of nonpayment, wedo not have to notify you unless required by federalRegulation CC or other law.

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ADDITIONAL TERMS ANDCONDITIONS

Member FDIC

Account Number: Portfolio Number:

Account Owner(s) Name(s):

FUNDS AVAILABILITY POLICY

YOUR ABILITY TO WITHDRAW FUNDS

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit.Electronic direct deposits will be available on the day we receive your deposit. Once they are available, you can withdraw the funds in cash and we willuse the funds to pay checks that you have written. For determining the availability of your deposit, every day is a business day, except Saturdays,Sundays, and federal holidays. If you make a deposit before 5:00 PM on a business day that we are open, we will consider that day to be the day ofyour deposit. However, if you make a deposit after 5:00 PM or on a day we are not open, we will consider that the deposit was made on the nextbusiness day we are open.

LONGER DELAYS MAY APPLY

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new customer, the following rules will apply during the first thirty (30) days your account is opened. Funds from electronic direct depositsinto your account will be available on the day we receive your deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of the day'stotal deposits of cashier's, certified, teller's, and federal, state and local government checks will be available on the first business day after the day ofyour deposit if the deposit meets certain conditions. For example, the deposit must be made in person and be payable to the account holder. Theexcess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S.Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second day after the day of your deposit.Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

DEBIT CLEARING POLICY

Vantage Bank Texas reserves the right granted by law to process items in any order. If there are insufficient funds in your account to pay all itemspresented, the order in which transactions are processed can affect the total amount of NSF fees incurred and the number of items returned unpaid. Toassist you in managing your account, we are providing the following information on how we generally process items each business day. Vantage BankTexas first adds credits and deposits to your account balance before paying debits. Debits such as withdrawals, teller transactions, transfers, wiretransfers, ATM and debit card transactions are paid based on the time presented. We then process ACH debits received by largest to smallest amount,followed by remaining checks which are paid in order by check number on the day they are processed.

If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at thetime you make your deposit. We will also tell you when the funds will be available. However, if your deposit is not made directly to one of ouremployees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. Ifyou will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, availability of funds you deposit bycheck(s) may be delayed for a longer period under the following circumstances:

- We believe a check you deposited will not be paid.

- You deposit checks totaling more than $5000 on any one day.

- You redeposit a check that has been returned unpaid.

- You have overdrawn your account repeatedly in the last six months.

- There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They willgenerally be available no later than the seventh business day after the day of your deposit.

In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit.Depending on the type of check(s) that you deposit, funds may not be available until the second business day after the day of your deposit. However,the first $200 of your deposits will be available on the first business day after we receive your deposit.

CASH WITHDRAWALS

With regard to our banking locations, we may, in our sole and absolute discretion, for security reasons, limit cash withdrawals, whether one or more,from your account (a) to no more than $50,000 (in the aggregate) on any one banking day, (b) and to no more than $100,000 (in the aggregate) duringany five (5) consecutive calendar day period. All additional available collected funds may be withdrawn or transferred by any noncash means includingCashier's Check, bank teller's check, or wire transfer in accordance with our policies and procedures. We may consider a request for a cash withdrawalin excess of the specified limitations set forth herein, however, said request must be in writing, signed by you, and delivered to your Account Officer atleast five (5) calendar days prior to the requested withdrawal date.

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