WELCOME TO THE FAMILY

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1 WELCOME TO THE FAMILY YOU ARE IN THE PROCESS OF OPENING THE FOLLOWING ACCOUNT(S): Power Checking Savings Account ENCLOSED ARE SEVERAL PAGES OF IMPORTANT INFORMATION REGARDING YOUR NEW ACCOUNT TO INCLUDE: A Clear and Concise Guide to the Power Checking Account A Clear and Concise Guide to the Savings Account Power Checking Account Disclosure Savings Account Disclosure Banking Services/Fee Schedule Deposit Agreement Electronic Services and Electronic Funds Transfer Disclosure AccountTRANSFER Overdraft Protection Plan Funds Availability Policy Privacy Disclosure Multi-Party/Payable on Death Election Form TTY BENEFITS OF BANKING WITH FNBT/FCB 7-Day Banking with Extended Hours at our In-Store Locations For a complete listing of branch hours, visit our website. Direct Deposit Pays You $9.99 Earn $9.99 in your new account when your first Direct Deposit arrives to your account. Ask us for details. Online Banking Manage your account online. One login accesses all of our Online and Mobile Banking Services. With Online Banking, you can bank anytime, anywhere. Mobile Banking Receive up-to-date information about your account balance and recent transactions directly to your mobile device via SMS/text message or by using the downloadable application. E-Statements Go green and help save the environment by signing up for FREE E-Statements. E-Statements are a safe and secure way to keep track of your account, and you can access up to seven years of statements online. Bill Pay Bill pay is a great feature that helps you pay your bills on time! With Bill Pay, you can schedule payments to any person, company or financial institution in the United States. 24-Hour Personal Account Line (PAL) Our 24-Hour Personal Account Line provides you access to your account with 17 FREE calls per month, $0.50 per call thereafter. IMPORTANT INFORMATION TO REMEMBER ABOUT YOUR PERSONAL ACCOUNT: It is important to provide the Bank with your most current mailing and address to ensure your statements and notifications are delivered on time. If mail is returned to us, there is a Returned Mail Processing Fee of $10 per month. If you decide to close your Account within ninety (90) days of the opening date, a $25 fee will be assessed. Your Debit MasterCard has a daily limit of $600 (ATM) and $1,500 in purchases per day. Use our ATMs Free of charge. If you use a Non-Gold Key (Foreign) ATM, a $2 per transaction fee will be assessed (including balance inquiries). We charge an Overdraft fee of $34 per item we pay even though you do not have enough money in your account. We charge a Non-Sufficient Funds (NSF) fee of $34 per item we return unpaid because you do not have enough money in your account to cover the item. We charge a $34 Negative Balance Fee if your account is overdrawn for six (6) consecutive banking days. We will waive the fee if on the sixth (6 th ) day your account is overdrawn less than $3. We offer an AccountTRANSFER Overdraft Protection Plan. AccountTRANSFER Overdraft Protection allows you to use the money you put aside in a separate designated transfer from account as protection against overdrafts in other accounts. AccountTRANSFER Overdraft Protection transfers are made for the exact amount required to cover the overdraft plus the applicable transfer fee. If your designated transfer from account does not have enough available funds to cover the necessary amount, we will not make a transfer. We will make one (1) transfer per day and one (1) AccountTRANSFER Overdraft Protection fee of $10 will be assessed. If the exact amount is not available in the designated transfer from account to cover the overdraft plus the transfer fee, then no transfer will take place and our normal $34 per item NSF/OD fee and Negative Balance Fees apply. We appreciate your business and look forward to serving your financial needs. 8/26/15

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3 A Clear and Concise Guide 1 to the POWER CHECKING ACCOUNT Account Opening and Usage BASIC TERMS AND CONDITIONS Minimum Deposit Needed to Open Account $20 Monthly Maintenance Fee $12 (no fee if you are 55 or older) Requirements to Waive Monthly Maintenance Fee (No monthly maintenance fee if you do one of the following each statement cycle) Maintain a balance of $100 or more each day, or Have a monthly recurring direct deposit of $100 or more reflect on your monthly statement (Internal transfers from other FNBT / FCB accounts and Internet Banking transfers do not qualify as direct deposits for waiving the monthly fee), or Complete at least eight (8) debit card purchases that reflect on your monthly statement. (ATM transactions do not count towards the eight (8) debit card purchases) Gold Key ATMs (ATMs we own) Free For transactions using Gold Key ATMs. Non-Gold Key ATMs (ATMs we do not own) $2 Non-Sufficient Funds (NSF) Fee $34 Overdraft Fee $34 Other Service Fees For each withdrawal, inquiry or transfer, plus any fee charged by the ATM s owner/operator. Per item we return because you do not have enough money in your account. Per item we pay even though you do not have enough money in your account. Please consult the Banking Services/Fee Schedule for a list of additional service fees. AccountTRANSFER OVERDRAFT PROTECTION PLAN AccountTRANSFER Overdraft Protection allows you to use the money you put aside in a separate designated transfer from account as protection against overdrafts in other accounts. AccountTRANSFER Overdraft Protection (you must request this additional service) $10 AccountTRANSFER Overdraft Protection transfers are made for the exact amount required to cover the overdraft plus the applicable transfer fee. If your designated transfer from account does not have enough available funds to cover the necessary amount, we will not make a transfer. We will make one (1) transfer per day and one (1) fee of $10 will be assessed. If the exact amount is not available in the designated transfer from account to cover the overdraft plus the transfer fee, then no transfer will take place and our normal per item NSF/OD fee and Negative Balance Fees apply. Overdraft Fees and Overdraft Options WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. If you choose not to opt into any kind of overdraft privilege, then all transactions that will cause an overdraft will be declined or No Overdraft Privilege Service returned. However, even if you choose not to opt into any kind of overdraft privilege, your account may still become overdrawn. Option A: You will be charged an NSF fee for each check and ACH transaction No Overdraft that is returned because you do not have enough money in your Non-Sufficient Funds (NSF) Fee $34 Privilege (you account. We will not charge this fee if the item we return is less must request than $1. this option) If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. Negative Balance Fee $34 We will waive this fee if on the sixth (6 th ) day your account is overdrawn less than $3. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. 7/1/15

4 Overdraft Fees and Overdraft Options WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES Option B: Partial Overdraft Privilege (This is the standard overdraft service that comes with the account) Option C: Full Overdraft Privilege (you must request this option) Partial Overdraft Privilege Service Overdraft Fee/Non- Sufficient Funds (NSF) Fee $34 Maximum Number of Overdraft Fees per Day 4 Negative Balance Fee $34 Full Overdraft Privilege Service Overdraft Fee/Non- Sufficient Funds (NSF) Fee $34 Maximum Number of Overdraft Fees per Day 4 Negative Balance Fee $34 We may, at our discretion, authorize and pay overdrafts for checks, ACH transactions and automated bill payments. If we choose not to pay these types of items for you, you will be charged an NSF fee for each item we return. If we choose to pay these types of items for you, you will be charged an overdraft fee for each item we pay. We will not charge you a fee: For each item of less than $1, or Any time after we ve paid an item, including fees, if your resulting account balance is less than $3 overdrawn. If we choose to pay more than four (4) overdraft items for you in one day, we will limit the number of per item overdraft fees we charge you to four (4) per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. We will waive this fee if on the sixth (6 th ) day your account is overdrawn less than $3. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. We may, at our discretion, authorize and pay overdrafts for all types of transactions: ATM, everyday debit card transactions, recurring debit card transactions, checks, ACH transactions and automated bill payments. If we choose not to pay these types of items for you, you will be charged an NSF fee for each item we return. If we choose to pay these types of items for you, you will be charged an overdraft fee for each item we pay. We will not charge you a fee: For each item of less than $1, or Any time after we ve paid an item, including fees, if your resulting account balance is less than $3 overdrawn. If we choose to pay more than four (4) overdraft items for you in one day, we will limit the number of per item overdraft fees we charge you to four (4) per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. We will waive this fee if on the sixth (6 th ) day your account is overdrawn less than $3. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. 7/1/15

5 Processing Policies WHAT YOU NEED TO KNOW ABOUT OUR PROCESSING POLICIES Posting Order The order in which withdrawals and deposits are processed Deposit Hold Policy When funds deposited to your account are available We start with the account balance in your account at the beginning of the banking day, subtract holds from your account balance and make any adjustments from prior days. Next, we add credits and then subtract debits from your account balance. The following is a summary of how we generally post items and examples of some of our categories and the more common transactions we assign to each category. First, your deposits and credits are added to your account balance. Then, withdrawals made at our teller windows, transfers made with our 24- Hour Personal Account Line, online and mobile banking systems, online and mobile banking bill payments and outgoing wire transfers are subtracted from your account balance in lowest to highest dollar amount. Then, card transactions and ATM transactions are subtracted from your account balance in date and time order. Then, ACH debits without a check number are subtracted from your account balance before other checks you wrote with a check number, in highest to lowest dollar amount. When we receive a check number, checks will be subtracted from your account balance in sequential check number order. Finally, most fees and service charges in lowest to highest dollar amount. Keep in mind that we may process transactions in a different order than you made them. This may impact the total amount of fees you incur per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. Electronic direct deposit o Typically the same day we receive your deposit. In some instances, we may receive your direct deposit in advance of the release/settlement date authorized by the sender. In such cases, the direct deposit will be made available no later than the release/settlement date. Cash deposit with teller o Same banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. Check deposit with teller o Usually the next banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. In some situations, after your deposit is made, we may notify you that your funds will not be available for up to seven (7) business days after the business day of your deposit. The first $200 of that deposit may be made available the next business day after the business day of your deposit depending on the type of hold placed. o If you are a new customer, within the first thirty (30) days after your account is opened, we may notify you after your deposit is made that your funds will not be available for up to nine (9) business days after the business day of your deposit. A business day is a non-holiday weekday generally ending at 5:00 p.m. local time. 1 This guide highlights some of the terms of the Power Checking Account we offer. It is not the governing terms and conditions of the Power Checking Account. For the governing terms and conditions of the Power Checking Account, please see the Deposit Agreement and Account Disclosure. For more information about our overdraft fees and options, and other services we offer, please see the What You Need to Know about Overdrafts and Overdraft Fees disclosure and the Banking Services/Fee Schedule. For more information about our deposit hold policy, please see the Funds Availability Policy. 7/1/15

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7 Account Opening and Usage A Clear and Concise Guide 1 to the SAVINGS ACCOUNT BASIC TERMS AND CONDITIONS Minimum Deposit Needed to Open Account $20 Monthly Maintenance Fee $5 How to Avoid the Monthly Maintenance Fee (do one of the following each month) Per Item Withdrawal Fee $3.50 How to Avoid the Per Item Withdrawal Fee Non-Gold Key ATMs (ATMs we do not own) $2 AccountTRANSFER Overdraft Protection Plan Fee $10 Non-Sufficient Funds (NSF) Fee $34 Overdraft Fee $34 Other Service Fees Maintain a balance of $100 or more each day, or Have a monthly recurring direct deposit of $100 or more post and clear the account. (Internal transfers from other FNBT / FCB accounts and Internet Banking transfers do not qualify as direct deposits for waiving the monthly fee) A per item withdrawal fee will be charged on the last business day of the month. We will not assess this fee on your first debit transaction. Normal ATM owner/operator charges always apply. Maintain more than $2,000 in your Savings Account each day. For each withdrawal, inquiry or transfer, plus any fee charged by the ATM s owner/operator. If you are enrolled in this plan then the AccountTRANSFER fee will always apply. See AccountTRANSFER Overdraft Protection Plan below for more information. Per item we return because you do not have enough money in your account. Per item we pay even though you do not have enough money in your account. Please consult the Banking Services/Fee Schedule for a list of additional service fees. AccountTRANSFER OVERDRAFT PROTECTION PLAN AccountTRANSFER Overdraft Protection allows you to use the money you put aside in a separate designated transfer from account as protection against overdrafts in other accounts. AccountTRANSFER Overdraft Protection (you must request this additional service) $10 AccountTRANSFER Overdraft Protection transfers are made for the exact amount required to cover the overdraft plus the applicable transfer fee. If your designated transfer from account does not have enough available funds to cover the necessary amount, we will not make a transfer. We will make one (1) transfer per day and one (1) fee of $10 will be assessed. If the exact amount is not available in the designated transfer from account to cover the overdraft plus the transfer fee, then no transfer will take place and our normal per item NSF/OD fee and Negative Balance Fees apply. Overdraft Fees and Overdraft Options WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. If you choose not to opt into any kind of overdraft privilege, then all transactions that will cause an overdraft will be declined or No Overdraft Privilege Service returned. However, even if you choose not to opt into any kind of overdraft privilege, your account may still become overdrawn. Option A: You will be charged an NSF fee for each check and ACH transaction No Overdraft that is returned because you do not have enough money in your Non-Sufficient Funds (NSF) Fee $34 Privilege (you account. We will not charge this fee if the item we return is less must request than $1. this option) If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. Negative Balance Fee $34 We will waive this fee if on the sixth (6 th ) day your account is overdrawn less than $3. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. 7/1/15

8 Overdraft Fees and Overdraft Options WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES Option B: Partial Overdraft Privilege (This is the standard overdraft service that comes with the account) Option C: Full Overdraft Privilege (you must request this option) Partial Overdraft Privilege Service Overdraft Fee/Non- Sufficient Funds (NSF) Fee $34 Maximum Number of Overdraft Fees per Day 4 Negative Balance Fee $34 Full Overdraft Privilege Service Overdraft Fee/Non- Sufficient Funds (NSF) Fee $34 Maximum Number of Overdraft Fees per Day 4 Negative Balance Fee $34 We may, at our discretion, authorize and pay overdrafts for checks, ACH transactions and automated bill payments. If we choose not to pay these types of items for you, you will be charged an NSF fee for each item we return. If we choose to pay these types of items for you, you will be charged an overdraft fee for each item we pay. We will not charge you a fee: For each item of less than $1, or Any time after we ve paid an item, including fees, if your resulting account balance is less than $3 overdrawn. If we choose to pay more than four (4) overdraft items for you in one day, we will limit the number of per item overdraft fees we charge you to four (4) per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. We will waive this fee if on the sixth (6 th ) day your account is overdrawn less than $3. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. We may, at our discretion, authorize and pay overdrafts for all types of transactions: ATM, everyday debit card transactions, recurring debit card transactions, checks, ACH transactions and automated bill payments. If we choose not to pay these types of items for you, you will be charged an NSF fee for each item we return. If we choose to pay these types of items for you, you will be charged an overdraft fee for each item we pay. We will not charge you a fee: For each item of less than $1, or Any time after we ve paid an item, including fees, if your resulting account balance is less than $3 overdrawn. If we choose to pay more than four (4) overdraft items for you in one day, we will limit the number of per item overdraft fees we charge you to four (4) per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. If your account is overdrawn for six (6) consecutive banking days, we will charge you this additional fee on the sixth (6 th ) banking day. We will waive this fee if on the sixth (6 th ) day your account is overdrawn less than $3. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. 7/1/15

9 Processing Policies Transaction Limitations WHAT YOU NEED TO KNOW ABOUT OUR PROCESSING POLICIES Posting Order The order in which withdrawals and deposits are processed Deposit Hold Policy When funds deposited to your account are available We start with the account balance in your account at the beginning of the banking day, subtract holds from your account balance and make any adjustments from prior days. Next, we add credits and then subtract debits from your account balance. The following is a summary of how we generally post items and examples of some of our categories and the more common transactions we assign to each category. First, your deposits and credits are added to your account balance. Then, withdrawals made at our teller windows, transfers made with our 24- Hour Personal Account Line, online and mobile banking systems, online and mobile banking bill payments and outgoing wire transfers are subtracted from your account balance in lowest to highest dollar amount. Then, card transactions and ATM transactions are subtracted from your account balance in date and time order. Then, ACH debits without a check number are subtracted from your account balance before other checks you wrote with a check number, in highest to lowest dollar amount. When we receive a check number, checks will be subtracted from your account balance in sequential check number order. Finally, most fees and service charges in lowest to highest dollar amount. Keep in mind that we may process transactions in a different order than you made them. This may impact the total amount of fees you incur per banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. Electronic direct deposit o Typically the same day we receive your deposit. In some instances, we may receive your direct deposit in advance of the release/settlement date authorized by the sender. In such cases, the direct deposit will be made available no later than the release/settlement date. Cash deposit with teller o Same banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. Check deposit with teller o Usually the next banking day. A banking day is every day except Easter Sunday, Thanksgiving Day and Christmas Day. In some situations, after your deposit is made, we may notify you that your funds will not be available for up to seven (7) business days after the business day of your deposit. The first $200 of that deposit may be made available the next business day after the business day of your deposit depending on the type of hold placed. o If you are a new customer, within the first thirty (30) days after your account is opened, we may notify you after your deposit is made that your funds will not be available for up to nine (9) business days after the business day of your deposit. A business day is a non-holiday weekday generally ending at 5:00 p.m. local time. WHAT YOU NEED TO KNOW ABOUT TRANSACTION LIMITATIONS Regulation D limits certain types of transactions you can make out of your Savings Account to a maximum combined total of six (6) per month. Transfers via Internet Banking (including Bill Pay) Transfers via the telephone The types of transactions that are limited to a Pre-authorized transfers out of your account combined total of six (6) per month include: Automatic transfers to cover an overdraft in another account Debit card purchases The types of transactions that are not limited include: Transactions done in person By messenger By mail At an ATM Transfers between accounts to pay loans at the same bank If you exceed the transaction limitations more than twice within a twelve (12) month period, your Savings Account will be closed. Any remaining balance will be transferred to a non-interest bearing checking account and will be subject to the terms and conditions of that account. 7/1/15

10 Rate Information WHAT YOU NEED TO KNOW ABOUT OUR RATE INFORMATION The interest rate and Annual Percentage Yield (APY) on this account are subject to change at any time, without notice. Minimum Daily Balance to Receive the APY Determining the Interest Rate Frequency of Interest Rate Changes Compounding and Crediting Balance Computational Method When Interest Begins to Accrue Tiered Rate See the Personal Banking Rate Sheet for the current APY and interest rate for this account. Any change to the interest rate for your account is at our discretion. We may, at any time, change the basis of payment for interest or the rate of interest. Interest is compounded daily and credited monthly. Interest earned but not credited will be paid upon closeout of the account. We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit cash or non-cash items (for example, checks). 1 This guide highlights some of the terms of the Savings Account we offer. It is not the governing terms and conditions of the Savings Account. For the governing terms and conditions of the Savings Account, please see the Deposit Agreement and Account Disclosure. For more information about our overdraft fees and options, and other services we offer, please see the What You Need to Know about Overdrafts and Overdraft Fees disclosure and the Banking Services/Fee Schedule. For more information about our deposit hold policy, please see the Funds Availability Policy. For more information about our APY and interest rate, please see the Personal Banking Rate Sheet. 7/1/15

11 Minimum Required to Open the Account: $20 ACCOUNT DISCLOSURE POWER CHECKING Minimum Balance to Avoid a Monthly Maintenance Fee: $100 Daily Balance Account Fees: A monthly maintenance fee of $12 will be assessed, unless one (1) of the following qualifiers is met each statement cycle: o Maintain a balance of $100 or more each day. o Have at least eight (8) debit card purchases reflect on the monthly statement. ATM transactions do not count towards the eight (8) debit card purchases. o Have a monthly recurring Direct Deposit transaction of $100 or more reflect on the monthly statement. Internal transfers from other FNBT/FCB accounts and Online Banking transfers do not qualify as Direct Deposits for waiving the monthly maintenance fee. o Have at least one (1) account holder age 55 or older. Non-Sufficient Funds (NSF) and Overdraft fees of $34.00 per item apply. Avoid NSF/OD fees with AccountTRANSFER. See a personal banker for details. See the Banking Services/Fee Schedule for other fees applicable to this account. 3/31/15

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13 Minimum Required to Open the Account: $20 ACCOUNT DISCLOSURE SAVINGS ACCOUNT Minimum Balance to Avoid a Monthly Maintenance Fee: $100 Daily Balance Rate Information: See the Personal Banking Rate Sheet for the annual percentage yield (APY) and interest rate for this account. This is a tiered rate account. The daily account balance will determine the interest rate. We may, at any time, change the basis of payment for interest or the rate of interest. Interest is compounded daily and credited monthly. Interest earned but not credited will be paid upon closeout of the account. Interest begins to accrue on the business day you deposit cash and non-cash items (for example, checks). We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Account Fees: A $5.00 monthly maintenance fee will be assessed if one (1) of the following qualifiers is not met each month: o Maintain a balance of $100 or more each day. o Have a monthly recurring Direct Deposit transaction of $100 or more post and clear the account. Internal transfers from other FNBT/FCB accounts and Online Banking transfers do not qualify as Direct Deposits for waiving the monthly maintenance fee. Non-Sufficient Funds (NSF) and Overdraft fees of $34.00 per item apply. Avoid NSF/OD fees with AccountTRANSFER. See a personal banker for details. Each AccountTRANSFER Overdraft Protection transfer is subject to a $10.00 fee. Your Savings Account provides one (1) FREE, non-accounttransfer, debit per calendar month. Except for AccountTRANSFER, beginning with the second (2 nd ) debit, a $3.50 per item withdrawal fee will be charged on the last business day of the month. Normal ATM transaction and AccountTRANSFER Overdraft Protection fees will apply. Normal ATM charges also apply. If your account balance remains above $2,000 each day of the month, you will not be subject to the $3.50 per item withdrawal fee. Normal ATM transaction and AccountTRANSFER Overdraft Protection fees will apply. Normal ATM charges also apply. See the Banking Services/Fee Schedule for other fees applicable to this account. Limitations on the Number of Transactions: Federal Regulation D limits Savings Accounts to a maximum combined total of six (6) transfers per month unless the transfers are done at an FNBT/FCB location, at an ATM or made between accounts to pay loans at the same bank. The types of transfers that are limited in total to six (6) are Online Banking transfers between accounts (including mobile and text), AccountTRANSFER Overdraft Protection transfers, telephone transfers (including automated and assisted) and debit card purchases. If the limit of six (6) allowable transfers per month is exceeded more than twice within a twelve (12) month period, your Savings Account will be closed and the remaining balance will be transferred to a checking account subject to the terms and conditions of that account. The Bank s Right to Require Notice The bank has the right to require a minimum of seven (7) days prior written notice of withdrawal from any account that is a Savings Account. 3/31/15