The Deposit Agreement and Disclosure has been renamed Consumer Membership and Account Agreement and now includes the following disclosures:

• Electronic Funds Transfer Services Disclosure and Agreement (Regulation E)
• Funds Availability Schedule (Regulation CC)
• Funds Transfer Agreement and Notice (Regulations J)
• Privacy Policy
• Online Access Agreement and Disclosure.

The disclosures now included in the Consumer Membership and Account Agreement are no longer available as individual disclosures.

Please also review the Consumer Fee Schedule