Terms and Conditions Agreements

PERSONAL
BUSINESS


	Personal Terms and Disclosures Introduction General Terms for All Personal Deposit Account and Services Specific Account Terms: Truth-in-Savings Checking Account FreeNet^® Checking Account Basic Checking Account Yield Pledge^SM Money Market Account Certificates of Deposit Insured Advantage^SM CD Yield Pledge CD World Market Accounts WorldCurrency^® Access Deposit Account - Money Market WorldCurrency Certificate of Deposit WorldCurrency Index Certificate of Deposit WorldCurrency Access Deposit Account - Transaction Non-FDIC insured Metals Select Terms and Conditions Credit Card Term and Disclosures EverCard^® Visa^® Platinum Rewards Program MarketSafe^® Certificate of Deposit Terms and Conditions (including Cash Account) Product Term Sheets Related Disclosures and Other Agreements Electronic Funds Transfer Funds Availability Overdraft Protection Wire Transfer Web Banking Service Account Fee Schedule Providing Security and Protecting You from Fraud External Transfers and Aggregation Agreement Addendum World Markets IRA Fee Schedule Foreign Currency Deposit Account Disclosure


	Business and Non-Personal Terms and Disclosures Introduction General Terms for All Business and Non-Personal Deposit Accounts and Services Specific Account Terms Checking Accounts Attorney Trust Checking Account Business Analysis Checking Account Business Checking Account Business Interest Checking Account Non-Profit Checking Account Money Market Account Certificates of Deposit Business Certificate of Deposit Business Insured Advantage^SM Certificate of Deposit World Market Accounts WorldCurrency^® Access Deposit Account - Money Market WorldCurrency Certificate of Deposit WorldCurrency Index Certificate of Deposit WorldCurrency Access Deposit Account - Transaction Non-FDIC insured Metals Select Terms and Conditions Credit Card Terms and Disclosures EverCard^® Visa^® Platinum Rewards Program MarketSafe^® Certificate of Deposit Terms and Conditions (including Cash Account) Product Term Sheets Related Disclosures and Other Agreements Funds Availability Overdraft Protection Wire Transfer Automated Clearing House (ACH) Web Banking Service Account Fee Schedule Providing Security and Protecting You from Fraud Foreign Currency Deposit Account Disclosure

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Option 2: World Markets and EverTrade Direct Brokerage
Option 4: Customer Assistance
Option 6: Home Financing

ADDITIONAL INFORMATION

Retired Products Truth-in-Savings Disclosure Addendum

BANK WITH CONFIDENCE

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Terms and Conditions Agreements

Personal Terms and Disclosures

Specific Account Terms: Truth-in-Savings

Credit Card Term and Disclosures

MarketSafe® Certificate of Deposit

Related Disclosures and Other Agreements

Business and Non-Personal Terms and Disclosures

Specific Account Terms