Pioneer Bank Terms-And-Conditions

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TABLE OF CONTENTS TERMS AND CONDITIONS

TERMS AND CONDITIONS OF YOUR ACCOUNT ........................................................1 OF YOUR ACCOUNT
Important Account Opening Information ...........................................................................1 IMPORTANT ACCOUNT OPENING INFORMATION - Federal law requires us to obtain
sufficient information to verify your identity. You may be asked several questions and to
Agreement ........................................................................................................................1 provide one or more forms of identification to fulfill this requirement. In some instances
Liability..............................................................................................................................1 we may use outside sources to confirm the information. The information you provide is
protected by our privacy policy and federal law.
Deposits............................................................................................................................1
AGREEMENT - This document, along with any other documents we give you pertaining
Withdrawals ......................................................................................................................1 to your account(s), is a contract that establishes rules which control your account(s) with
Understanding and Avoiding Overdraft us. Please read this carefully and retain it for future reference. If you sign the signature
and Nonsufficient Funds (NSF) Fees .........................................................................2 card or open or continue to use the account, you agree to these rules. You will receive a
separate schedule of rates, qualifying balances, and fees if they are not included in this
Ownership of Account and Beneficiary Designation.........................................................2 document. If you have any questions, please call us.
Business, Organization and Association Accounts...........................................................3 This agreement is subject to applicable federal laws, the laws of the state of New
Mexico and other applicable rules such as the operating letters of the Federal Reserve
Stop Payments .................................................................................................................3 Banks and payment processing system rules (except to the extent that this agreement
Telephone Transfers.........................................................................................................3 can and does vary such rules or laws). The body of state and federal law that governs
our relationship with you, however, is too large and complex to be reproduced here. The
Amendments and Termination..........................................................................................3 purpose of this document is to:
Notices..............................................................................................................................3 (1) summarize some laws that apply to common transactions;
(2) establish rules to cover transactions or events which the law does not regulate;
Statements........................................................................................................................3
(3) establish rules for certain transactions or events which the law regulates but permits
Account Transfer ..............................................................................................................3 variation by agreement; and
Direct Deposits .................................................................................................................3 (4) give you disclosures of some of our policies to which you may be entitled or in which
you may be interested.
Temporary Account Agreement........................................................................................3 If any provision of this document is found to be unenforceable according to its terms, all
Setoff ................................................................................................................................3 remaining provisions will continue in full force and effect. We may permit some
variations from our standard agreement, but we must agree to any variation in writing
Agency (Power of Attorney) Designation..........................................................................3 either on the signature card for your account or in some other document. Nothing in this
Restrictive Legends or Indorsements ...............................................................................3 document is intended to vary our duty to act in good faith and with ordinary care when
required by law.
Facsimile Signatures ........................................................................................................3
As used in this document the words “we,” “our,” and “us” mean the financial institution
Check Processing.............................................................................................................3 and the words “you” and “your” mean the account holder(s) and anyone else with the
Check Cashing .................................................................................................................3 authority to deposit, withdraw, or exercise control over the funds in the account.
However, this agreement does not intend, and the terms “you” and “your” should not be
Indorsements ....................................................................................................................3 interpreted, to expand an individual’s responsibility for an organization’s liability. If this
Death or Incompetence ....................................................................................................4 account is owned by a corporation, partnership or other organization, individual liability
is determined by the laws generally applicable to that type of organization. The headings
Fiduciary Accounts ...........................................................................................................4 in this document are for convenience or reference only and will not govern the
Credit Verification .............................................................................................................4 interpretation of the provisions. Unless it would be inconsistent to do so, words and
phrases used in this document should be construed so the singular includes the plural
Legal Actions Affecting Your Account...............................................................................4 and the plural includes the singular.
Account Security...............................................................................................................4 LIABILITY - You agree, for yourself (and the person or entity you represent if you sign
as a representative of another) to the terms of this account and the schedule of charges.
Telephonic Instructions.....................................................................................................4 You authorize us to deduct these charges, without notice to you, directly from the
Monitoring and Recording Telephone Calls account balance as accrued. You will pay any additional reasonable charges for
and Consent to Receive Communications .................................................................4 services you request which are not covered by this agreement.
Each of you also agrees to be jointly and severally (individually) liable for any account
Claim of Loss ....................................................................................................................4 shortage resulting from charges or overdrafts, whether caused by you or another with
Early Withdrawal Penalties ...............................................................................................4 access to this account. This liability is due immediately, and we can deduct any amounts
deposited into the account and apply those amounts to the shortage. You have no right
Address or Name Changes ..............................................................................................4 to defer payment of this liability, and you are liable regardless of whether you signed the
Resolving Account Disputes .............................................................................................4 item or benefited from the charge or overdraft.
You will be liable for our costs as well as for our reasonable attorneys’ fees, to the
Waiver of Notices..............................................................................................................4 extent permitted by law, whether incurred as a result of collection or in any other dispute
ACH and Wire Transfers...................................................................................................4 involving your account. This includes, but is not limited to, disputes between you and
another joint owner; you and an authorized signer or similar party; or a third party
ELECTRONIC FUND TRANSFERS claiming an interest in your account. This also includes any action that you or a third
YOUR RIGHTS AND RESPONSIBILITIES ...............................................................5 party takes regarding the account that causes us, in good faith, to seek the advice of an
YOUR ABILITY TO WITHDRAW FUNDS........................................................................7 attorney, whether or not we become involved in the dispute. All costs and attorneys’
fees can be deducted from your account when they are incurred, without notice to you.
TRUTH-IN-SAVINGS DISCLOSURE...............................................................................7
DEPOSITS - We will give only provisional credit until collection is final for any items,
Completely Free Checking Account .................................................................................7 other than cash, we accept for deposit (including items drawn “on us”). Before
Benefits Checking Account...............................................................................................7 settlement of any item becomes final, we act only as your agent, regardless of the
form of indorsement or lack of indorsement on the item and even though we provide
VIP Free Interest Checking Account.................................................................................7 you provisional credit for the item. We may reverse any provisional credit for items
High Interest Checking Account .......................................................................................7 that are lost, stolen, or returned. Unless prohibited by law, we also reserve the right to
charge back to your account the amount of any item deposited to your account or
Pioneer Savings Account..................................................................................................7 cashed for you which was initially paid by the payor bank and which is later returned to
Money Market Deposit Account........................................................................................8 us due to an allegedly forged, unauthorized or missing indorsement, claim of
alteration, encoding error, counterfeit cashier’s check or other problem which in our
Common Features ............................................................................................................8 judgment justifies reversal of credit. You authorize us to attempt to collect previously
returned items without giving you notice, and in attempting to collect we may permit
the payor bank to hold an item beyond the midnight deadline. Actual credit for
deposits of, or payable in, foreign currency will be at the exchange rate in effect on
final collection in U.S. dollars. We are not responsible for transactions by mail or
outside depository until we actually record them. If you deliver a deposit to us and you
will not be present when the deposit is counted, you must provide us an itemized list of
the deposit (deposit slip). To process the deposit, we will verify and record the deposit,
and credit the deposit to the account. If there are any discrepancies between the
amounts shown on the itemized list of the deposit and the amount we determine to be
the actual deposit, we will notify you of the discrepancy. You will be entitled to credit
only for the actual deposit as determined by us, regardless of what is stated on the
itemized deposit slip. We will treat and record all transactions received after our “daily
cutoff time” on a business day we are open, or received on a day we are not open for
business, as if initiated on the next business day that we are open. At our option, we
may take an item for collection rather than for deposit. If we accept a third-party check
or draft for deposit, we may require any third-party indorsers to verify or guarantee
their indorsements, or indorse in our presence.
Mobile Deposits - IMPORTANT: To avoid rejected deposits, your check must be
endorsed properly as FOR MOBILE DEPOSIT ONLY with YOUR SIGNATURE. Funds
are normally received within two business days. Please keep your paper check until the
funds are posted to your account.
WITHDRAWALS -
Generally - Unless clearly indicated otherwise on the account records, any of you,
acting alone, who signs to open the account or has authority to make withdrawals may
© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

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withdraw or transfer all or any part of the account balance at any time. Each of you (until pay the item or transaction, you agree that we can charge you an NSF fee for returning
we receive written notice to the contrary) authorizes each other person who signs or has the payment. Be aware that such an item or payment may be presented multiple times
authority to make withdrawals to indorse any item payable to you or your order for and that we do not monitor or control the number of times a transaction is presented for
deposit to this account or any other transaction with us. payment. You agree that we may charge you an NSF fee each time a payment is
Postdated checks - A postdated check is one which bears a date later than the date on presented if the amount of money in your account is not sufficient to cover the payment,
which the check is written. We may properly pay and charge your account for a regardless of the number of times the payment is presented.
postdated check even though payment was made before the date of the check, unless Payment types - Some, but not necessarily all, of the ways you can access the funds in
we have received written notice of the postdating in time to have a reasonable your account include debit card transactions, automated clearing house (ACH)
opportunity to act. Because we process checks mechanically, your notice will not be transactions, and check transactions. A debit card transaction might be authorized by
effective and we will not be liable for failing to honor your notice unless it precisely use of a PIN, a signature, chip, "contactless". An example of an ACH transaction is a
identifies the number, date, amount and payee of the item. preauthorized payment you have set up on a recurring basis. All these payment types
Checks and withdrawal rules - If you do not purchase your check blanks from us, you can use different processing systems and some may take more or less time to post.
must be certain that we approve the check blanks you purchase. We may refuse any This information is important for a number of reasons. For example, keeping track of the
withdrawal or transfer request which you attempt on forms not approved by us or by any checks you write and the timing of the preauthorized payments you set up will help you
method we do not specifically permit. We may refuse any withdrawal or transfer request to know what other transactions might still post against your account. For information
which is greater in number than the frequency permitted by our policy, or which is for an about how and when we process these different payment types, see the “Payment order
amount greater or less than any withdrawal limitations. We will use the date the of items” subsection below.
transaction is completed by us (as opposed to the date you initiate it) to apply any Balance information - Keeping track of your balance is important. You can review your
frequency limitations. In addition, we may place limitations on the account until your balance in a number of ways including reviewing your periodic statement, reviewing
identity is verified. your balance online, accessing your account information by phone, or coming into one
Even if we honor a nonconforming request, we are not required to do so later. If you of our branches.
violate the stated transaction limitations (if any), in our discretion we may close your Funds availability - Knowing when funds you deposit will be made available for
account or reclassify your account as another type of account. If we reclassify your withdrawal is another important concept that can help you avoid being assessed fees or
account, your account will be subject to the fees and earnings rules of the new account charges. Please see our funds availability disclosure for information on when different
classification. types of deposits will be made available for withdrawal. For those accounts to which our
If we are presented with an item drawn against your account that would be a “substitute funds availability policy disclosure does not apply, you can ask us when you make a
check,” as defined by law, but for an error or defect in the item introduced in the deposit when those funds will be available for withdrawal. An item may be returned after
substitute check creation process, you agree that we may pay such item. A fee may be the funds from the deposit of that item are made available for withdrawal. In that case,
imposed with overdrafts by check, in-person withdrawals, ATM withdrawals or other we will reverse the credit of the item. We may determine the amount of available funds
electronic means. in your account for the purpose of deciding whether to return an item for insufficient
Cash withdrawals - We recommend you take care when making large cash funds at any time between the times we receive the item and when we return the item or
withdrawals because carrying large amounts of cash may pose a danger to your send a notice in lieu of return. We need only make one determination, but if we choose
personal safety. As an alternative to making a large cash withdrawal, you may want to to make a subsequent determination, the account balance at the subsequent time will
consider a cashier's check or similar instrument. You assume full responsibility of any determine whether there are insufficient available funds.
loss in the event the cash you withdraw is lost, stolen, or destroyed. You agree to hold A temporary debit authorization hold affects your account balance - On debit card
us harmless from any loss you incur as a result of your decision to withdraw funds in the purchases, merchants may request a temporary hold on your account for a specified
form of cash. sum of money when the merchant does not know the exact amount of the purchase at
Multiple signatures, electronic check conversion, and similar transactions - An the time the card is authorized. The amount of the temporary hold may be more than the
electronic check conversion transaction is a transaction where a check or similar item is actual amount of your purchase. Some common transactions where this occurs involve
converted into an electronic fund transfer as defined in the Electronic Fund Transfers purchases of gasoline, hotel rooms, or meals at restaurants. When this happens, our
regulation. In these types of transactions the check or similar item is either removed processing system cannot determine that the amount of the hold exceeds the actual
from circulation (truncated) or given back to you. As a result, we have no opportunity to amount of your purchase. This temporary hold, and the amount charged to your
review the signatures or otherwise examine the original check or item. You agree that, account, will eventually be adjusted to the actual amount of your purchase, but it could
as to these or any items as to which we have no opportunity to examine the signatures, be three calendar days, or even longer in some cases, before the adjustment is made.
you waive any requirement of multiple signatures. Until the adjustment is made, the amount of funds in your account available for other
Notice of withdrawal - We reserve the right to require not less than 7 days’ notice in transactions will be reduced by the amount of the temporary hold. If another transaction
writing before each withdrawal from an interest-bearing account, other than a time is presented for payment in an amount greater than the funds left after the deduction of
deposit or demand deposit, or from any other savings deposit as defined by Regulation the temporary hold amount, you will be charged an NSF or overdraft fee according to
D. (The law requires us to reserve this right, but it is not our general policy to use it.) our NSF or overdraft fee policy. You will be charged the fee even if you would have had
Withdrawals from a time account prior to maturity or prior to any notice period may be sufficient funds in your account if the amount of the hold had been equal to the amount
restricted and may be subject to penalty. See your notice of penalty for early withdrawal. of your purchase.
UNDERSTANDING AND AVOIDING OVERDRAFT AND NONSUFFICIENT FUNDS Payment order of items - The order in which items are paid is important if there is not
(NSF) FEES - enough money in your account to pay all of the items that are presented. The payment
order can affect the number of items overdrawn or returned unpaid and the amount of
Generally - The information in this section is being provided to help you understand the fees you may have to pay. To assist you in managing your account, we are
what happens if your account is overdrawn. Understanding the concepts of overdrafts providing you with the following information regarding how we process those items.
and nonsufficient funds (NSF) is important and can help you avoid being assessed fees
or charges. This section also provides contractual terms relating to overdrafts and NSF Our policy is to process Debit Card transactions, ACH which includes bill payment items
transactions. sent ACH and pre-authorized transfers, ATM transactions, Online or Telephone
Banking, Wire Transfers, On-Us Checks, Checks or similar items, to include BillPay
An overdrawn account will typically result in you being charged an overdraft fee or an items sent, and all deposits on the day they are processed. During overnight processing,
NSF fee. Generally, an overdraft occurs when there is not enough money in your all deposits are posted before any debit items.
account to pay for a transaction, but we pay (or cover) the transaction anyway. An NSF
transaction is slightly different. In an NSF transaction, we do not cover the transaction. If a check, item or transaction is presented without sufficient funds in your account to
Instead, the transaction is rejected and the item or requested payment is returned. In pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item
either situation, we can charge you a fee. for insufficient funds (NSF). We will not charge you a fee for paying an overdraft of an
ATM or everyday debit card transaction if this is a consumer account and you have not
Determining your available balance - We use the “available balance” method to opted-in to that service. The amounts of the overdraft and NSF fees are disclosed
determine whether your account is overdrawn, that is, whether there is enough money in elsewhere, as are your rights to opt in to overdraft services for ATM and everyday debit
your account to pay for a transaction. Importantly, your “available” balance may not be card transactions, if applicable. We encourage you to make careful records and practice
the same as your account’s “actual” balance. good account management. This will help you to avoid creating items without sufficient
Your account’s actual balance (sometimes called the ledger balance) only includes funds and potentially incurring the resulting fees.
transactions that have settled up to that point in time, that is, transactions (deposits and OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply
payments) that have posted to your account. The actual balance does not include to this account depending on the form of ownership and beneficiary designation, if any,
outstanding transactions (such as checks that have not yet cleared and electronic specified on the account records. We make no representations as to the
transactions that have been authorized but which are still pending). The balance on your appropriateness or effect of the ownership and beneficiary designations, except as they
periodic statement is the ledger balance for your account as of the statement date. determine to whom we pay the account funds.
As the name implies, your available balance is calculated based on the money Single-Party Account - Such an account is owned by one party.
“available” in your account to make payments. In other words, the available balance
takes transactions that have been authorized, but not yet settled, and subtracts them Multiple-Party Account - Parties own account in proportion to net contributions unless
from the actual balance. In addition, when calculating your available balance, any there is clear and convincing evidence of a different intent.
“holds” placed on deposits that have not yet cleared are also subtracted from the actual RIGHTS AT DEATH - Single-Party Account - At the death of a party, ownership
balance. For more information on how holds placed on funds in your account can impact passes as part of the party’s estate.
your available balance, read the subsection titled “A temporary debit authorization hold Multiple-Party Account With Right of Survivorship - At death of party, ownership
affects your account balance.” passes to surviving parties. If two or more parties survive and one is the surviving
Overdrafts - You understand that we may, at our discretion, honor withdrawal requests spouse of the deceased party, the amount to which the deceased party, immediately
that overdraw your account. However, the fact that we may honor withdrawal requests before death, was beneficially entitled by law belongs to the surviving spouse. If two or
that overdraw the account balance does not obligate us to do so later. So you can NOT more parties survive and none is the spouse of the decedent, the amount to which the
rely on us to pay overdrafts on your account regardless of how frequently or under what deceased party, immediately before death, was beneficially entitled by law belongs to
circumstances we have paid overdrafts on your account in the past. We can change our the surviving parties in equal shares, and augments the proportion to which each
practice of paying, or not paying, discretionary overdrafts on your account without notice surviving party, immediately before the deceased party’s death, was beneficially entitled
to you. You can ask us if we have other account services that might be available to you under law, and the right of survivorship continues between the surviving parties.
where we commit to paying overdrafts under certain circumstances, such as an Single-Party Account With Pay-on-Death Designation - At death of the party,
overdraft protection line-of-credit or a plan to sweep funds from another account you ownership passes to the designated pay-on-death beneficiaries and is not part of the
have with us. You agree that we may charge fees for overdrafts. For consumer party’s estate.
accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time Multiple-Party Account With Right of Survivorship and Pay-on-Death Designation
debit card transactions if you have not opted-in to that service. We may use subsequent - At death of last surviving party, ownership passes to the designated pay-on-death
deposits, including direct deposits of social security or other government benefits, to beneficiaries and is not part of the last surviving party’s estate.
cover such overdrafts and overdraft fees. Minor Accounts - If an account has a minor (under the age of 18) as a recipient or
Nonsufficient funds (NSF) fees - If an item drafted by you (such as a check) or a benefactor of the account, the Bank does not assume or authorize the minor to take
transaction you set up (such as a preauthorized transfer) is presented for payment in an ownership of said account upon reaching the age of eighteen.
amount that is more than the amount of money in your account, and we decide not to

BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form consumer liability and error resolution. For information on errors relating to a substitute
of interest, dividends, or credits will be paid only on collected funds, unless otherwise check you received, refer to your disclosure entitled Substitute Checks and Your Rights.
provided by law or our policy. You represent that you have the authority to open and Duty to notify if statement not received - You agree to immediately notify us if you do
conduct business on this account on behalf of the entity. We may require the governing not receive your statement by the date you normally expect to receive it. Not receiving
body of the entity opening the account to give us a separate authorization telling us who your statement in a timely manner is a sign that there may be an issue with your
is authorized to act on its behalf. We will honor the authorization until we actually account, such as possible fraud or identity theft.
receive written notice of a change from the governing body of the entity. ACCOUNT TRANSFER - This account may not be transferred or assigned without our
STOP PAYMENTS - The rules in this section cover stopping payment of items such as prior written consent.
checks and drafts. Rules for stopping payment of other types of transfers of funds, such DIRECT DEPOSITS - If we are required for any reason to reimburse the federal
as consumer electronic fund transfers, may be established by law or our policy. If we government for all or any portion of a benefit payment that was directly deposited into
have not disclosed these rules to you elsewhere, you may ask us about those rules. your account, you authorize us to deduct the amount of our liability to the federal
We may accept an order to stop payment on any item from any one of you. You must government from the account or from any other account you have with us, without prior
make any stop-payment order in the manner required by law and we must receive it in notice and at any time, except as prohibited by law. We may also use any other legal
time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. remedy to recover the amount of our liability.
Because stop-payment orders are handled by computers, to be effective, your stop- TEMPORARY ACCOUNT AGREEMENT - If the account documentation indicates that
payment order must precisely identify the number, date, and amount of the item, and the this is a temporary account agreement, each person who signs to open the account or
payee. You may stop payment on any item drawn on your account whether you sign the has authority to make withdrawals (except as indicated to the contrary) may transact
item or not. Your stop payment order is effective for six months if it is given to us in business on this account. However, we may at some time in the future restrict or prohibit
writing or by another type of record (Generally, a “record” is information that is stored in further use of this account if you fail to comply with the requirements we have imposed
such a way that it can be retrieved and can be heard or read and understood – you can within a reasonable time.
ask us what type of stop payment records you can give us). Your order will lapse after SETOFF - We may (without prior notice and when permitted by law) set off the funds in
that time if you do not renew the order in writing before the end of the six-month period. this account against any due and payable debt any of you owe us now or in the future. If
If the original stop-payment order was oral your stop-payment order will lapse after 14 this account is owned by one or more of you as individuals, we may set off any funds in
calendar days if it is not confirmed in writing or by another type of record within that time the account against a due and payable debt a partnership owes us now or in the future,
period. We are not obligated to notify you when a stop-payment order expires. to the extent of your liability as a partner for the partnership debt. If your debt arises
If you stop payment on an item and we incur any damages or expenses because of the from a promissory note, then the amount of the due and payable debt will be the full
stop payment, you agree to indemnify us for those damages or expenses, including amount we have demanded, as entitled under the terms of the note, and this amount
attorneys’ fees. You assign to us all rights against the payee or any other holder of the may include any portion of the balance for which we have properly accelerated the due
item. You agree to cooperate with us in any legal actions that we may take against such date.
persons. You should be aware that anyone holding the item may be entitled to enforce This right of setoff does not apply to this account if prohibited by law. For example, the
payment against you despite the stop-payment order. right of setoff does not apply to this account if: (a) it is an Individual Retirement Account
Our stop-payment cutoff time is one hour after the opening of the next banking day after or similar tax-deferred account, or (b) the debt is created by a consumer credit
the banking day on which we receive the item. Additional limitations on our obligation to transaction under a credit card plan (but this does not affect our rights under any
stop payment are provided by law (e.g., we paid the item in cash or we certified the consensual security interest), or (c) the debtor’s right of withdrawal only arises in a
item). representative capacity. We will not be liable for the dishonor of any check when the
TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another dishonor occurs because we set off a debt against this account. You agree to hold us
account with us, if otherwise arranged for or permitted, may be made by the same harmless from any claim arising as a result of our exercise of our right of setoff.
persons and under the same conditions generally applicable to withdrawals made in AGENCY (Power of Attorney) DESIGNATION (Single-Party Accounts only) - A
writing. Limitations on the number of telephonic transfers from a savings account, if any, single individual is the owner. The agent is merely designated to conduct transactions
are described elsewhere. Telephone transfers are permitted between Pioneer Bank on the owner’s behalf. The owner does not give up any rights to act on the account, and
accounts when the sending and receiving party is a valid signor on both the sending and the agent may not in any manner affect the rights of the owner or beneficiaries, if any,
receiving accounts. Any exception must be approved with written permission from both other than by withdrawing funds from the account. The owner is responsible for any
the sending and receiving customers. transactions of the agent. We undertake no obligation to monitor transactions to
AMENDMENTS AND TERMINATION - We may change any term of this agreement. determine that they are on the owner’s behalf.
Rules governing changes in interest rates are provided separately in the Truth-in- The owner may terminate the agency at any time, and the agency is automatically
Savings disclosure or in another document. For other changes, we will give you terminated by the death of the owner. However, we may continue to honor the
reasonable notice in writing or by any other method permitted by law. We may also transactions of the agent until: (a) we have received written notice or have actual
close this account at any time upon reasonable notice to you and tender of the account knowledge of the termination of the agency, and (b) we have a reasonable opportunity
balance personally or by mail. Items presented for payment after the account is closed to act on that notice or knowledge. We may refuse to accept the designation of an
may be dishonored. When you close your account, you are responsible for leaving agent.
enough money in the account to cover any outstanding items to be paid from the RESTRICTIVE LEGENDS OR INDORSEMENTS - The automated processing of the
account. Reasonable notice depends on the circumstances, and in some cases such as large volume of checks we receive prevents us from inspecting or looking for restrictive
when we cannot verify your identity or we suspect fraud, it might be reasonable for us to legends, restrictive indorsements or other special instructions on every check. For this
give you notice after the change or account closure becomes effective. For instance, if reason, we are not required to honor any restrictive legend or indorsement or other
we suspect fraudulent activity with respect to your account, we might immediately freeze special instruction placed on checks you write unless we have agreed in writing to the
or close your account and then give you notice. If we have notified you of a change in restriction or instruction. Unless we have agreed in writing, we are not responsible for
any term of your account and you continue to have your account after the effective date any losses, claims, damages, or expenses that result from your placement of these
of the change, you have agreed to the new term(s). restrictions or instructions on your checks. Examples of restrictive legends placed on
NOTICES - Any written notice you give us is effective when we actually receive it, and it checks are “must be presented within 90 days” or “not valid for more than $1,000.00.”
must be given to us according to the specific delivery instructions provided elsewhere, if The payee’s signature accompanied by the words “for deposit only” is an example of a
any. We must receive it in time to have a reasonable opportunity to act on it. If the notice restrictive indorsement.
is regarding a check or other item, you must give us sufficient information to be able to FACSIMILE SIGNATURES - Unless you make advance arrangements with us, we have
identify the check or item, including the precise check or item number, amount, date and no obligation to honor facsimile signatures on your checks or other orders. If we do
payee. Written notice we give you is effective when it is deposited in the United States agree to honor items containing facsimile signatures, you authorize us, at any time, to
Mail with proper postage and addressed to your mailing address we have on file. Notice charge you for all checks, drafts, or other orders, for the payment of money, that are
to any of you is notice to all of you. drawn on us. You give us this authority regardless of by whom or by what means the
STATEMENTS - Your duty to report unauthorized signatures, alterations and facsimile signature(s) may have been affixed so long as they resemble the facsimile
forgeries - You must examine your statement of account with “reasonable promptness.” signature specimen filed with us, and contain the required number of signatures for this
If you discover (or reasonably should have discovered) any unauthorized signatures or purpose. You must notify us at once if you suspect that your facsimile signature is being
alterations, you must promptly notify us of the relevant facts. As between you and us, if or has been misused.
you fail to do either of these duties, you will have to either share the loss with us, or bear CHECK PROCESSING - We process items mechanically by relying solely on the
the loss entirely yourself (depending on whether we used ordinary care and, if not, information encoded in magnetic ink along the bottom of the items. This means that we
whether we substantially contributed to the loss). The loss could be not only with respect do not individually examine all of your items to determine if the item is properly
to items on the statement but other items with unauthorized signatures or alterations by completed, signed and indorsed or to determine if it contains any information other than
the same wrongdoer. what is encoded in magnetic ink. You agree that we have exercised ordinary care if our
You agree that the time you have to examine your statement and report to us will automated processing is consistent with general banking practice, even though we do
depend on the circumstances, but will not, in any circumstance, exceed a total of 30 not inspect each item. Because we do not inspect each item, if you write a check to
days from when the statement is first sent or made available to you. multiple payees, we can properly pay the check regardless of the number of
You further agree that if you fail to report any unauthorized signatures, alterations or indorsements unless you notify us in writing that the check requires multiple
forgeries in your account within 60 days of when we first send or make the statement indorsements. We must receive the notice in time for us to have a reasonable
available, you cannot assert a claim against us on any items in that statement, and as opportunity to act on it, and you must tell us the precise date of the check, amount,
between you and us the loss will be entirely yours. This 60-day limitation is without check number and payee. We are not responsible for any unauthorized signature or
regard to whether we used ordinary care. The limitation in this paragraph is in addition alteration that would not be identified by a reasonable inspection of the item. Using an
to that contained in the first paragraph of this section. automated process helps us keep costs down for you and all account holders.
Your duty to report other errors or problems - In addition to your duty to review your CHECK CASHING - We may charge a fee for anyone that does not have an account
statements for unauthorized signatures, alterations and forgeries, you agree to examine with us who is cashing a check, draft or other instrument written on your account. We
your statement with reasonable promptness for any other error or problem - such as an may also require reasonable identification to cash such a check, draft or other
encoding error or an unexpected deposit amount. Also, if you receive or we make instrument. We can decide what identification is reasonable under the circumstances and
available either your items or images of your items, you must examine them for any such identification may be documentary or physical and may include collecting a
unauthorized or missing indorsements or any other problems. You agree that the time thumbprint or fingerprint.
you have to examine your statement and items and report to us will depend on the INDORSEMENTS - We may accept for deposit any item payable to you or your order,
circumstances. However, this time period shall not exceed 60 days. Failure to examine even if they are not indorsed by you. We may give cash back to any one of you. We
your statement and items and report any errors to us within 60 days of when we first may supply any missing indorsement(s) for any item we accept for deposit or collection,
send or make the statement available precludes you from asserting a claim against us and you warrant that all indorsements are genuine.
for any errors on items identified in that statement and as between you and us the loss To ensure that your check or share draft is processed without delay, you must indorse it
will be entirely yours. (sign it on the back) in a specific area. Your entire indorsement (whether a signature or
Errors relating to electronic fund transfers or substitute checks - For information a stamp) along with any other indorsement information (e.g. additional indorsements, ID
on errors relating to electronic fund transfers (e.g., on-line, mobile, debit card or ATM information, driver’s license number, etc.) must fall within 11/2” of the “trailing edge” of a
transactions) refer to your Electronic Fund Transfers disclosure and the sections on

check. Indorsements must be made in blue or black ink, so that they are readable by pay service can help detect and prevent check fraud and is appropriate for account
automated check processing equipment. holders that issue: a high volume of checks, a lot of checks to the general public, or
As you look at the front of a check, the “trailing edge” is the left edge. When you flip the checks for large dollar amounts.
check over, be sure to keep all indorsement information within 11/2” of that edge. TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed otherwise
in writing, we are not required to act upon instructions you give us via facsimile
7654 transmission or leave by voice mail or on a telephone answering machine.
Name
Address, City, State 20 MONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO
Pay to the RECEIVE COMMUNICATIONS - Subject to federal and state law, we may monitor or
order of $ record phone calls for security reasons, to maintain a record and to ensure that you
dollars receive courteous and efficient service. You consent in advance to any such recording.
Bank Name To provide you with the best possible service in our ongoing business relationship for
and Location your account we may need to contact you about your account from time to time by
Memo
telephone, text messaging or email. However, we first obtain your consent to contact
you about your account in compliance with applicable consumer protection provisions in
123456789 7654 the federal Telephone Consumer Protection Act of 1991 (TCPA), CAN-SPAM Act and
TRAILING EDGE FRONT OF CHECK their related federal regulations and orders issued by the Federal Communications
Commission (FCC).
• Your consent is limited to your account, and as authorized by applicable law and
regulations.
• Your consent is voluntary and not conditioned on the purchase of any product or
service from us.
1 1/2" Keep your indorsement With the above understandings, you authorize us to contact you regarding your account
out of this area. throughout its existence using any telephone numbers or email addresses that you have
YOUR INDORSEMENT MUST previously provided to us by virtue of an existing business relationship or that you may
BE WITHIN THIS AREA subsequently provide to us.
This consent is regardless of whether the number we use to contact you is assigned to a
landline, a paging service, a cellular wireless service, a specialized mobile radio service,
BACK OF CHECK
other radio common carrier service or any other service for which you may be charged
for the call. You further authorize us to contact you through the use of voice, voice mail
It is important that you confine the indorsement information to this area since the and text messaging, including the use of pre-recorded or artificial voice messages and
remaining blank space will be used by others in the processing of the check to place an automated dialing device.
additional needed indorsements and information. You agree that you will indemnify, If necessary, you may change or remove any of the telephone numbers or email
defend, and hold us harmless for any loss, liability, damage or expense that occurs addresses at any time using any reasonable means to notify us.
because your indorsement, another indorsement or information you have printed on the CLAIM OF LOSS - The following rules do not apply to a transaction or claim related to a
back of the check obscures our indorsement. consumer electronic fund transfer governed by Regulation E (e.g., an everyday
These indorsement guidelines apply to both personal and business checks. consumer debit card or ATM transaction). The error resolution procedures for consumer
DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with a electronic fund transfers can be found in our initial Regulation E disclosure titled,
right to withdraw funds from your account(s) dies or is adjudicated (determined by the “Electronic Fund Transfers.” For other transactions or claims, if you claim a credit or
appropriate official) incompetent. We may continue to honor your checks, items, and refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree
instructions until: (a) we know of your death or adjudication of incompetence, and (b) we to cooperate with us in the investigation of the loss, including giving us an affidavit
have had a reasonable opportunity to act on that knowledge. You agree that we may containing whatever reasonable information we require concerning your account, the
pay or certify checks drawn on or before the date of death or adjudication of transaction, and the circumstances surrounding the loss. You will notify law enforcement
incompetence for up to ten (10) days after your death or adjudication of incompetence authorities of any criminal act related to the claim of lost, missing, or stolen checks or
unless ordered to stop payment by someone claiming an interest in the account. unauthorized withdrawals. We will have a reasonable period of time to investigate the
FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary facts and circumstances surrounding any claim of loss. Unless we have acted in bad
capacity. A fiduciary is someone who is appointed to act on behalf of and for the benefit faith, we will not be liable for special or consequential damages, including loss of profits
of another. We are not responsible for the actions of a fiduciary, including the misuse of or opportunity, or for attorneys’ fees incurred by you.
funds. This account may be opened and maintained by a person or persons named as a You agree that you will not waive any rights you have to recover your loss against
trustee under a written trust agreement, or as executors, administrators, or conservators anyone who is obligated to repay, insure, or otherwise reimburse you for your loss. You
under court orders. You understand that by merely opening such an account, we are not will pursue your rights or, at our option, assign them to us so that we may pursue them.
acting in the capacity of a trustee in connection with the trust nor do we undertake any Our liability will be reduced by the amount you recover or are entitled to recover from
obligation to monitor or enforce the terms of the trust or letters. these other sources.
CREDIT VERIFICATION - You agree that we may verify credit and employment history EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We may impose
by any necessary means, including preparation of a credit report by a credit reporting early withdrawal penalties on a withdrawal from a time account even if you don’t initiate
agency. the withdrawal. For instance, the early withdrawal penalty may be imposed if the
LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, withdrawal is caused by our setoff against funds in the account or as a result of an
restraining order, writ of attachment or execution, levy, garnishment, search warrant, or attachment or other legal process. We may close your account and impose the early
similar order relating to your account (termed “legal action” in this section), we will withdrawal penalty on the entire account balance in the event of a partial early
comply with that legal action. Or, in our discretion, we may freeze the assets in the withdrawal. See your notice of penalty for early withdrawals for additional information.
account and not allow any payments out of the account until a final court determination ADDRESS OR NAME CHANGES - You are responsible for notifying us of any change
regarding the legal action. We may do these things even if the legal action involves less in your address or your name. Unless we agree otherwise, change of address or name
than all of you. In these cases, we will not have any liability to you if there are insufficient must be made in writing by at least one of the account holders. Informing us of your
funds to pay your items because we have withdrawn funds from your account or in any address or name change on a check reorder form is not sufficient. We will attempt to
way restricted access to your funds in accordance with the legal action. Any fees or communicate with you only by use of the most recent address you have provided to us.
expenses we incur in responding to any legal action (including, without limitation, If provided elsewhere, we may impose a service fee if we attempt to locate you.
attorneys’ fees and our internal expenses) may be charged against your account. The RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on the
list of fees applicable to your account(s) provided elsewhere may specify additional fees funds in your account (refuse payment or withdrawal of the funds) if it becomes subject
that we may charge for certain legal actions. to a claim adverse to (1) your own interest; (2) others claiming an interest as survivors
ACCOUNT SECURITY - or beneficiaries of your account; or (3) a claim arising by operation of law. The hold may
Duty to protect account information and methods of access - It is your be placed for such period of time as we believe reasonably necessary to allow a legal
responsibility to protect the account numbers and electronic access devices (e.g., an proceeding to determine the merits of the claim or until we receive evidence satisfactory
ATM card) we provide you for your account(s). Do not discuss, compare, or share to us that the dispute has been resolved. We will not be liable for any items that are
information about your account number(s) with anyone unless you are willing to give dishonored as a consequence of placing a hold on funds in your account for these
them full use of your money. An account number can be used by thieves to issue an reasons.
electronic debit or to encode your number on a false demand draft which looks like and WAIVER OF NOTICES - To the extent permitted by law, you waive any notice of non-
functions like an authorized check. If you furnish your access device and grant actual payment, dishonor or protest regarding any items credited to or charged against your
authority to make transfers to another person (a family member or coworker, for account. For example, if you deposit an item and it is returned unpaid or we receive a
example) who then exceeds that authority, you are liable for the transfers unless we notice of nonpayment, we do not have to notify you unless required by federal
have been notified that transfers by that person are no longer authorized. Regulation CC or other law.
Your account number can also be used to electronically remove money from your ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform
account, and payment can be made from your account even though you did not contact Commercial Code - Fund Transfers as adopted in the state in which you have your
us directly and order the payment. account with us. If you originate a fund transfer and you identify by name and number a
You must also take precaution in safeguarding your blank checks. Notify us at once if beneficiary financial institution, an intermediary financial institution or a beneficiary, we
you believe your checks have been lost or stolen. As between you and us, if you are and every receiving or beneficiary financial institution may rely on the identifying number
negligent in safeguarding your checks, you must bear the loss entirely yourself or share to make payment. We may rely on the number even if it identifies a financial institution,
the loss with us (we may have to share some of the loss if we failed to use ordinary care person or account other than the one named. You agree to be bound by automated
and if we substantially contributed to the loss). clearing house association rules. These rules provide, among other things, that
Positive pay and other fraud prevention services - Except for consumer electronic payments made to you, or originated by you, are provisional until final settlement is
fund transfers subject to Regulation E, you agree that if we offer you services made through a Federal Reserve Bank or payment is otherwise made as provided in
appropriate for your account to help identify and limit fraud or other unauthorized Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment,
transactions against your account, and you reject those services, you will be responsible we are entitled to a refund from you in the amount credited to your account and the
for any fraudulent or unauthorized transactions which could have been prevented by the party originating such payment will not be considered to have paid the amount so
services we offered. You will not be responsible for such transactions if we acted in bad credited. Credit entries may be made by ACH. If we receive a payment order to credit an
faith or to the extent our negligence contributed to the loss. Such services include account you have with us by wire or ACH, we are not required to give you any notice of
positive pay or commercially reasonable security procedures. If we offered you a the payment order or credit.
commercially reasonable security procedure which you reject, you agree that you are
responsible for any payment order, whether authorized or not, that we accept in
—————————————
compliance with an alternative security procedure that you have selected. The positive

international transaction fee on to you. An international transaction is a transaction
ELECTRONIC FUND TRANSFERS where the country of the merchant is outside the USA.
YOUR RIGHTS AND RESPONSIBILITIES Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or
other illegal purpose. Display of a payment card logo by, for example, an online
This Electronic Fund Transfer disclosure does not apply to any accounts other than
merchant does not necessarily mean that transactions are lawful in all jurisdictions in
consumer accounts, as defined by Regulation E.
which the cardholder may be located.
Indicated below are types of Electronic Fund Transfers we are capable of handling,
Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction
some of which may not apply to your account. Please read this disclosure carefully
processing. This means you may use your Visa-branded debit card on a PIN-Debit
because it tells you your rights and obligations for the transactions listed. You should
Network* (a non-Visa network) without using a PIN.
keep this notice for future reference.
The provisions of your agreement with us relating only to Visa transactions are not
Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party
applicable to non-Visa transactions. For example, the additional limits on liability
to initiate electronic fund transfers between your account and the third party’s account.
(sometimes referred to as Visa's zero-liability program) and the streamlined error
These transfers to make or receive payment may be one-time occurrences or may recur
resolution procedures offered on Visa debit card transactions are not applicable to
as directed by you. These transfers may use the Automated Clearing House (ACH) or
transactions processed on a PIN-Debit Network.
other payments network. Your authorization to the third party to make these transfers
can occur in a number of ways. For example, your authorization to convert a check to an *Visa Rules generally define PIN-Debit Network as a non-Visa debit network that
electronic fund transfer or to electronically pay a returned check charge can occur when typically authenticates transactions by use of a personal identification number (PIN) but
a merchant provides you with notice and you go forward with the transaction (typically, that is not generally known for having a card program.
at the point of purchase, a merchant will post a sign and print the notice on a receipt). In Visa Account Updater Notice of Right to Opt Out. Your Visa Debit Card will be
all cases, these third party transfers will require you to provide the third party with your automatically enrolled in the free Visa® Account Updater (VAU) service. VAU helps
account number and bank information. This information can be found on your check as participating merchants who receive recurring payments from your card have access to
well as on a deposit or withdrawal slip. Thus, you should only provide your bank and current card account information on file. For instance, participating merchants will have
account information (whether over the phone, the Internet, or via some other method) to access to information about card expiration, or if you report that your card has been lost
trusted third parties whom you have authorized to initiate these electronic fund transfers. or stolen. You are entitled to opt out of this service. You may opt out at any time.
Examples of these transfers include, but are not limited to: If you want to opt out, phone us at (800) 624-5200 or mail us notice of your intention to
• Preauthorized credits. You may make arrangements for certain direct deposits opt out at Pioneer Bank, EFT Department, P.O. Box 130, Roswell, NM 88202-0130.
to be accepted into your checking or savings account(s). You must include your name, address, card number, last four digits of your card
• Preauthorized payments. You may make arrangements to pay certain recurring number and signature. If you opt out, you cannot opt back in at a later time.
bills from your checking or savings account(s). Internet Banking Computer Transfers - types of transfers - You may access your
• Electronic check conversion. You may authorize a merchant or other payee to account(s) by computer at www.pioneerbnk.com using your log-in ID and password, to:
make a one-time electronic payment from your checking account using • transfer funds from checking to checking
information from your check to pay for purchases or pay bills. • transfer funds from checking to savings
• Electronic returned check charge. You may authorize a merchant or other • transfer funds from savings to checking
payee to initiate an electronic funds transfer to collect a charge in the event a • transfer funds from savings to savings
check is returned for insufficient funds. • get information about:
24 Hour Banking Service Line Telephone Transfers - types of transfers - You may - the account balance of checking account(s)
access your account by telephone 24 hours a day. Please refer to the 24-hour phone - the account balance of savings account(s)
banking brochure for the phone banking number near you, using your personal
- one month previous statement transactions
identification number or the last four digits of your social security number (for initial
access only), to perform the following functions: - current statement transactions
• transfer funds from checking to checking If you make a transfer after 6 P.M. M.S.T. we will consider that transfer was made on
the next business day.
• transfer funds from checking to savings
Limitations on frequency of transfers - In addition to those limitations on transfers
• transfer funds from savings to checking
elsewhere described, if any, the following limitations apply:
• transfer funds from savings to savings
• For security reasons, there are other limits on the number of transfers you can
• get information about: make by ATM.
- the account balance of checking accounts FEES
- the account balance of savings accounts • We do not charge for direct deposits to any type of account.
- interest information • Please refer to our separate fee schedule for additional information about
- most recent deposits charges.
- most recent withdrawals • We reserve the right to change fees with prior notification.
- last five (5) checks to clear your checking or money market account Except as indicated elsewhere, we do not charge for these electronic fund transfers.
- maturity information on your certificate of deposit or IRA ATM Operator/Network Fees. When you use an ATM not owned by us, you may be
ATM Transfers - types of transfers and dollar limitations - You may access your charged a fee by the ATM operator or any network used (and you may be charged a fee
account(s) by ATM using your Pioneer Bank ATM/debit card and personal identification for a balance inquiry even if you do not complete a fund transfer).
number (PIN), to: DOCUMENTATION
• get cash withdrawals from checking account(s) with an ATM/debit card • Terminal transfers. You can get a receipt at the time you make any transfer to or
- you may withdraw no more than $500.00 per day from your account using one of our automated teller machines or debit card
• get cash withdrawals from savings account(s) with an ATM/debit card terminals.
- you may withdraw no more than $500.00 per day • Preauthorized credits. If you have arranged to have direct deposits made to
• transfer funds from savings to checking account(s) at any Pioneer ATM with an your account at least once every 60 days from the same person or company, you
ATM/debit card can call us at (800) 624-5200 to find out whether or not the deposit has been
- you may transfer no more than $500.00 per day made.
• transfer funds from checking to savings account(s) at any Pioneer ATM with an • Periodic statements.
ATM/debit card You will get a monthly account statement from us for your checking and
- you may transfer no more than $500.00 per day money market accounts.
• get information about: You will get a monthly account statement from us for your savings accounts,
unless there are no transfers in a particular month. In any case, you will get a
- the account balance of your checking accounts with an ATM/debit card
statement at least quarterly.
- the account balance of your savings accounts with an ATM/debit card
PREAUTHORIZED PAYMENTS
Some of these services may not be available at all terminals.
• Right to stop payment and procedure for doing so. If you have told us in
Please also see Limitations on frequency of transfers section regarding limitations advance to make regular payments out of your account, you can stop any of
that apply to ATM/debit card transfers. these payments. Here is how:
Types of ATM Card Point-of-Sale (PIN-based) Transactions - You may access your Call or write us at the telephone number or address listed in this disclosure in
checking account to purchase goods (in person), pay for services (in person). time for us to receive your request 3 business days or more before the payment is
Point-of-Sale Transactions - dollar limitations - Using your card: scheduled to be made. If you call, we may also require you to put your request in
• you may not exceed $1,000.00 in transactions per day (including ATM writing and get it to us within 14 days after you call.
transactions) Please refer to our separate fee schedule for the amount we will charge you
Some of these services may not be available at all terminals. for each stop payment order you give.
Types of Debit Card Point-of-Sale (Signature-based) Transactions - You may • Notice of varying amounts. If these regular payments may vary in amount, the
access your checking account(s) to purchase goods (in person, online, or by phone), person or company you are going to pay will tell you, 10 days before each
pay for services (in person, online, or by phone), get cash from a merchant, if the payment, when it will be made and how much it will be. (You may choose instead
merchant permits, or from a participating financial institution, and do anything that a to get this notice only when the payment would differ by more than a certain
participating merchant will accept. amount from the previous payment, or when the amount would fall outside certain
Point-of-Sale Transactions - dollar limitations - Using your card: limits that you set.)
• you may not exceed $1,000.00 in transactions per day • Liability for failure to stop payment of preauthorized transfer. If you order us
Currency Conversion and International Transactions. When you use your Visa® to stop one of these payments 3 business days or more before the transfer is
debit card at a merchant that settles in currency other than US dollars, the charge will be scheduled, and we do not do so, we will be liable for your losses or damages.
converted into the US dollar amount. The currency conversion rate used to determine FINANCIAL INSTITUTION’S LIABILITY
the transaction amount in US dollars is either a rate selected by Visa from the range of Liability for failure to make transfers. If we do not complete a transfer to or from
rates available in wholesale currency markets for the applicable central processing date, your account on time or in the correct amount according to our agreement with you, we
which rate may vary from the rate Visa itself receives, or the government-mandated rate will be liable for your losses or damages. However, there are some exceptions. We will
in effect for the applicable central processing date. The conversion rate in effect on the not be liable, for instance:
processing date may differ from the rate in effect on the transaction date or posting date. (1) If, through no fault of ours, you do not have enough money in your account to
Visa USA charges us a 1% International Service Assessment on all international make the transfer.
transactions regardless of whether there is a currency conversion. We pass this (2) If you have an overdraft line and the transfer would go over the credit limit.

(3) If the automated teller machine where you are making the transfer does not holds on funds; fees, set-offs and stop payment orders; and authorizations,
have enough cash. unauthorized instruments, forgeries, alterations and error (hereafter referred to as the
(4) If the terminal or system was not working properly and you knew about the “Claims”). If that cannot be done, then you agree that any and all Claims that are
breakdown when you started the transfer. threatened, made, filed or initiated after the Effective Date (defined below) of this
(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, Arbitration and Waiver of Class Action provision (“Arbitration Agreement”), even if the
despite reasonable precautions that we have taken. Claims arise out of, affect or relate to conduct that occurred prior to the Effective Date,
(6) There may be other exceptions stated in our agreement with you. shall, at the election of either you or us, be resolved by binding arbitration administered
by the American Arbitration Association (“AAA”) in accordance with its applicable rules
CONFIDENTIALITY and procedures for consumer disputes (“Rules”), whether such Claims are in contract,
We will disclose information to third parties about your account or the transfers you tort, statute, or otherwise. The Rules can be obtained on the AAA website free of charge
make: at www.adr.org; or, a copy of the Rules can be mailed to you upon written request.
(1) where it is necessary for completing transfers; or Either you or we may elect to resolve a particular Claim through arbitration, even if
(2) in order to verify the existence and condition of your account for a third party, one of us has already initiated litigation in court related to the Claim by: (a) making
such as a credit bureau or merchant; or written demand for arbitration upon the other party, (b) initiating arbitration against the
(3) in order to comply with government agency or court orders; or other party, or (c) filing a motion to compel arbitration in court.
(4) as explained in the separate Privacy Disclosure. AS A RESULT, IF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR
UNAUTHORIZED TRANSFERS CLAIM THROUGH ARBITRATION, YOU WILL GIVE UP YOUR RIGHT TO GO TO
(a) Consumer liability. COURT TO ASSERT OR DEFEND YOUR RIGHTS UNDER THIS AGREEMENT
• Generally. Tell us AT ONCE if you believe your card and/or code has been lost or (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN MAGISTRATE CLAIMS
stolen, or if you believe that an electronic fund transfer has been made without your COURT JURISDICTION, SO LONG AS THE CLAIM REMAINS IN MAGISTRATE
permission using information from your check. Telephoning is the best way of keeping COURT).
your possible losses down. Contact your branch immediately or call 800-472-3272 (24 This Arbitration Agreement shall be interpreted and enforced in accordance with the
hours/365 days) to report your card lost or stolen. You could lose all the money in your Federal Arbitration Act set forth in Title 9 of the U.S. Code to the fullest extent possible,
account (plus your maximum overdraft line of credit). If you tell us within 2 business notwithstanding any state law to the contrary, regardless of the origin or nature of the
days after you learn of the loss or theft of your card and/or code, you can lose no more Claims at issue. This Arbitration Agreement does not prevent you from submitting any
than $50 if someone used your card and/or code without your permission. issue relating to your accounts for review or consideration by a federal, state, or local
If you do NOT tell us within 2 business days after you learn of the loss or theft of governmental agency or entity, nor does it prevent such agency or entity from seeking
your card and/or code, and we can prove we could have stopped someone from using relief on your behalf.
your card and/or code without your permission if you had told us, you could lose as Selection of Arbitrator
much as $500. The Claims shall be resolved by a single arbitrator. The arbitrator shall be selected in
Also, if your statement shows transfers that you did not make, including those made accordance with the Rules and must have experience in the types of financial
by card, code or other means, tell us at once. If you do not tell us within 60 days after transactions at issue in the Claims. In the event of a conflict between the Rules and this
the statement was mailed to you, you may not get back any money you lost after the 60 Arbitration Agreement, this Arbitration Agreement shall supersede the conflicting Rules
days if we can prove that we could have stopped someone from taking the money if you only to the extent of the inconsistency. If AAA is unavailable to resolve the Claims, and if
had told us in time. you and we do not agree on a substitute forum, then you can select the forum for the
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we resolution of the Claims.
will extend the time periods. Effective Date
• Additional Limit on Liability for Visa® debit card. Unless you have been negligent This Arbitration Agreement is effective upon the 61st day after we provide it to you
or have engaged in fraud, you will not be liable for any unauthorized transactions using (“Effective Date”), unless you opt-out in accordance with the requirements of the RIGHT
your lost or stolen Visa® debit card. This additional limit on liability does not apply to TO OPT-OUT provision below.
ATM transactions outside of the U.S. or to transactions using your Personal Claims Arising Prior to Effective Date
Identification Number. Visa is a registered trademark of Visa International Service THIS ARBITRATION AGREEMENT APPLIES TO ALL CLAIMS THAT ARE FILED
Association. OR INITIATED AFTER THE EFFECTIVE DATE, EVEN IF THE CLAIM ARISES OUT
(b) Contact in event of unauthorized transfer. If you believe your card and/or OF, AFFECTS, OR RELATES TO CONDUCT THAT OCCURRED PRIOR TO THE
code has been lost or stolen, call or write us at the telephone number or address listed EFFECTIVE DATE.
in this disclosure. You should also call the number or write to the address listed in this If a Claim is filed or initiated prior to the Effective Date, this Arbitration Agreement
disclosure if you believe a transfer has been made using the information from your will not apply to such Claim.
check without your permission. Arbitration Proceedings
ERROR RESOLUTION NOTICE The arbitration shall be conducted within 50 miles of your residence at the time the
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at arbitration is commenced, unless you reside outside of New Mexico, then the arbitration
the telephone number or address listed in this disclosure, as soon as you can, if you will occur at mutually decided locations. Any claims and defenses that can be asserted
think your statement or receipt is wrong or if you need more information about a transfer in court can be asserted through arbitration. The arbitrator shall be entitled to award the
listed on the statement or receipt. We must hear from you no later than 60 days after we same remedies that a court can award. Discovery shall be available for non-privileged
sent the FIRST statement on which the problem or error appeared. information to the fullest extent permitted under the Rules. The Arbitrator’s award can be
(1) Tell us your name and account number (if any). entered as a judgment in court. Except as provided in applicable statutes, the
(2) Describe the error or the transfer you are unsure about, and explain as clearly arbitrator’s award is not subject to review by the court and it cannot be appealed.
as you can why you believe it is an error or why you need more information. Pioneer Bank shall pay for any filing, administration, and arbitrator fees imposed on you
(3) Tell us the dollar amount of the suspected error. by the AAA. However, you will be responsible for your own attorney’s fees, unless you
prevail on your Claim in the arbitration, in which case, we will pay your reasonable
If you tell us orally, we may require that you send us your complaint or question in attorney’s fees. However, if Pioneer Bank prevails, then you will not be required to pay
writing within 10 business days. our attorneys’ fees and cost. Any determination as to whether this Arbitration Agreement
We will determine whether an error occurred within 10 business days (5 business is valid or enforceable in part or in its entirety will be made solely by the arbitrator,
days for Visa® debit card point-of-sale transactions processed by Visa and 20 business including without limitation any issues relating to whether a Claim is subject to
days if the transfer involved a new account) after we hear from you and will correct any arbitration; provided, however, the enforceability of the Class Action Waiver set forth
error promptly. If we need more time, however, we may take up to 45 days (90 days if below shall be determined by the Court.
the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated Class Action Waiver
transfer) to investigate your complaint or question. If we decide to do this, we will credit
your account within 10 business days (5 business days for Visa® debit card point-of- ANY ARBITRATION OF A CLAIM WILL BE ON AN INDIVIDUAL BASIS. YOU
sale transactions processed by Visa and 20 business days if the transfer involved a new UNDERSTAND AND AGREE THAT YOU ARE WAIVING THE RIGHT TO
account) for the amount you think is in error, so that you will have the use of the money PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS
during the time it takes us to complete our investigation. If we ask you to put your ACTION LAWSUIT.
complaint or question in writing and we do not receive it within 10 business days, we Severability
may not credit your account. Your account is considered a new account for the first 30 In the event that the Class Action Waiver in this Arbitration Agreement is found to be
days after the first deposit is made, unless each of you already has an established unenforceable for any reason, the remainder of this Arbitration Agreement shall also be
account with us before this account is opened. unenforceable. If any provision in this Arbitration Agreement, other than the Class Action
We will tell you the results within three business days after completing our Waiver, is found to be unenforceable, the remaining provisions will remain fully
investigation. If we decide that there was no error, we will send you a written enforceable.
explanation. Survival
You may ask for copies of the documents that we used in our investigation. This Arbitration Agreement will survive termination of the Agreement.
PIONEER BANK Right to Opt-Out
EFT DEPARTMENT You have the right to opt-out of this Arbitration Agreement, provided you notify
P.O. BOX 130 Pioneer Bank of your intent to do so within sixty (60) days after it is provided to you.
ROSWELL, NEW MEXICO 88202 Your opt-out is only effective if you notify Pioneer Bank in writing at Pioneer Bank,
Business Days: Monday through Friday Attention: Legal Department, P.O. Box 130 Roswell, NM 88202 or electronically to
Excluding Federal Holidays [email protected] within such sixty (60) day time period. If you fail to opt-out
Phone: (800) 624-5200 within this sixty (60) day time, you will be deemed to have consented to the resolution
To respond to a call from Pioneer Bank Fraud Department: 866-750-9107 of your Claims through binding arbitration. In the event you opt-out, it shall not affect
other terms and conditions of your Agreement or your relationship with Pioneer Bank.
To report a lost/stolen debit card: 800-417-8715
Amendment/Termination of this Arbitration Agreement
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
Notwithstanding anything in this Agreement to the contrary, we will not amend or
ARBITRATION AND WAIVER OF CLASS ACTION terminate this Arbitration Agreement unless we provide you with sixty (60) days prior
You and Pioneer Bank agree that we shall attempt to informally settle any and all written notice of such amendment or termination and an opportunity to opt-out of the
disputes arising out of, affecting, or relating to your accounts or the products or services amendment or termination during that time period. Further, any amendment or
that Pioneer Bank has provided, will provide or has offered to provide to you, and/or any termination of this Arbitration Agreement shall not apply to Claims arising from conduct
aspect of your transactional, checking, savings or time accounts with Pioneer Bank, all that occurred prior to the date of amendment/termination.
actions taken with regard to such accounts and all related documents, agreements and Inapplicable to “Covered” Borrowers under the Military Lending Act
services, including but not limited to the following: signature cards, account agreements,
terms and conditions; deposits, withdrawals, transfers of any kind, bill payments, This Arbitration Agreement will not apply to any Claims involving a consumer loan
overdraft lines of credit, overdraft protection, courtesy pay; check or draft payments, we provide you, to the extent you and/or a co-borrower are “covered borrowers” under
presentment, collection, honor, dishonor, return and processing; funds availability and the Military Lending Act. FOR MORE DETAILS or if you have questions, you may call us

or visit pioneerbnk.com. If you have questions about American Arbitration Association CyberScout Identity Theft.
(AAA) procedures, you should check AAA’s website, www.adr.org, OR call AAA at (800) Roadside Assistance.
778-7879. $10,000 Accident Insurance.
————————————— Shopping, Travel, Entertainment, and Dining Discounts.
No per check charge.
YOUR ABILITY TO WITHDRAW FUNDS Unlimited check writing.
Free debit card. Free on-line banking and bill pay.*
This policy statement applies to all deposit accounts.
Free check images with eStatements.
Our policy is to make funds from your check deposits available to you on the second
business day after the day we receive your deposit, with the first $225 available on the All other banking fees apply.**
first business day after the day of your deposit. Electronic direct deposits will be *Monthly fee. Service may be terminated after three months of inactivity.
available on the day we receive the deposit. Cash, wire transfers, and some specified **Other fees such as NSF, overdraft, sustained overdraft fees, etc. may apply. See fee
check deposits will also be available before the second business day, as detailed below. schedule for details.
Once the funds are available, you can withdraw them in cash and we will use the funds VIP FREE INTEREST CHECKING ACCOUNT
to pay checks that you have written. Rate Information - Your interest rate and annual percentage yield may change.
Please remember that even after we have made funds available to you, and you Frequency of rate changes - We may change the interest rate on your account at any
have withdrawn the funds, you are still responsible for checks you deposit that are time.
returned to us unpaid and for any other problems involving your deposit. Determination of rate - At our discretion, we may change the interest rate on your
For determining the availability of your deposits, every day is a business day, except account.
Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a Compounding and crediting frequency - Interest will be compounded every month.
business day that we are open, we will consider that day to be the day of your deposit. Interest will be credited to your account every month.
However, if you make a deposit after closing or on a day we are not open, we will Minimum balance to open the account - Only $50.00.
consider that the deposit was made on the next business day we are open. Contact your
Additional features:
local branch for further information.
Competitive interest.
Same-Day Availability
No minimum balance requirement.
Funds from wire transfer, cash and electronic direct deposits to your account will be
available on the day we receive the deposit. No monthly service charge.
Next-Day Availability No per check charge.
Funds from the following deposits are available on the first business day after the Unlimited check writing.
day of your deposit: Free debit card.
U.S. Treasury checks that are payable to you. Free online banking and bill pay.*
Checks drawn on Pioneer Bank. Free check images with eStatements.
If you make the deposit in person to one of our employees, funds from the following All other banking fees apply.**
deposits are also available on the first business day after the day of your deposit: Daily balance computation method - We use the daily balance method to calculate
State and local government checks that are payable to you. the interest on your account. This method applies a daily periodic rate to the principal in
Cashier’s, certified, and teller’s checks that are payable to you. the account each day.
Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money Accrual of interest on noncash deposits - Interest begins to accrue no later than the
orders, if these items are payable to you. business day we receive credit for the deposit of noncash items (for example, checks).
If you do not make your deposit in person to one of our employees (for example, if *No base monthly fee. Service may be terminated after three months of inactivity.
you mail the deposit), funds from these deposits will be available on the second **Other fees such as NSF, overdraft, sustained overdraft fees, etc. may apply. See fee
business day after the day we receive your deposit. schedule for details.
Other Check Deposits Subject to Second-Day Availability HIGH INTEREST CHECKING ACCOUNT
The first $225 from a deposit of other checks will be available on the first business Rate Information - Your interest rate and annual percentage yield may change.
day after the day of your deposit. The remaining funds will be available on the second Frequency of rate changes - We may change the interest rate on your account at any
business day after the day of your deposit. time.
For example, if you deposit a check of $700 on a Monday, $225 of the deposit is Determination of rate - At our discretion, we may change the interest rate on your
available on Tuesday. The remaining $475 is available on Wednesday. account.
LONGER DELAYS MAY APPLY Compounding and crediting frequency - Interest will be compounded every month.
Funds you deposit by check may be delayed for a longer period under the following Interest will be credited to your account every month.
circumstances: Minimum balance to open the account - Only $50.00.
We believe a check you deposit will not be paid. Additional features:
You deposit checks totaling more than $5,525 on any one day. Higher interest rate with a balance of $1,500.00 or more.
You redeposit a check that has been returned unpaid. Competitive interest if balance falls below $1,500.00.
You have overdrawn your account repeatedly in the last six months. Free personalized checks (excluding shipping cost).
There is an emergency, such as failure of computer or communications equipment. No per check charge.
We will notify you if we delay your ability to withdraw funds for any of these reasons, Unlimited check writing.
and we will tell you when the funds will be available. They will generally be available no Free debit card.
later than the seventh business day after the day of your deposit. Free online banking and bill pay.*
SPECIAL RULES FOR NEW ACCOUNTS Free check images with eStatements.
If you are a new customer, the following special rules will apply during the first 30 All other banking fees apply.**
days your account is open. Daily balance computation method - We use the daily balance method to calculate
Funds from electronic direct deposits into your account will be available on the day the interest on your account. This method applies a daily periodic rate to the principal in
we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 the account each day.
of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and Accrual of interest on noncash deposits - Interest begins to accrue no later than the
local government checks will be available on the first business day after the day of your business day we receive credit for the deposit of noncash items (for example, checks).
deposit if the deposit meets certain conditions. For example, the checks must be payable Minimum balance to avoid imposition of fees - If your balance falls below $1,500.00
to you. The excess over $5,525 will be available on the ninth business day after the day on any day in the monthly statement cycle we will impose a monthly service charge fee
of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not once per statement cycle. This fee will not be imposed if you maintain a daily balance of
made in person to one of our employees, the first $5,525 will not be available until the $1,500.00 or more.
second business day after the day of your deposit.
Fees:
Funds from all other check deposits will be available on the ninth business day after
A monthly service charge fee will be charged if your daily balance falls below $1,500.00.
the day of your deposit.
Please refer to our separate fee schedule.
————————————— *No base monthly fee. Service may be terminated after three months of inactivity.
**Other fees such as NSF, overdraft, sustained overdraft fees, etc. may apply. See fee
TRUTH-IN-SAVINGS DISCLOSURE schedule for details.
COMPLETELY FREE CHECKING ACCOUNT PIONEER SAVINGS ACCOUNT
Minimum balance to open the account - Only $50.00 to open this account. Rate Information - Your interest rate and annual percentage yield may change.
Additional features: Frequency of rate changes - We may change the interest rate on your account at any
time.
No monthly service charge.
Determination of rate - At our discretion, we may change the interest rate on your
No per check charge. account.
Unlimited check writing. Compounding and crediting frequency - Interest will be compounded every quarter.
Free debit card. Interest will be credited to your account every quarter.
Free online banking and bill pay.* Minimum balance to open the account - Only $50.00.
Free check images with eStatements. Minimum balance to avoid imposition of fees - A service charge fee will be imposed
All other banking fees apply.** every statement cycle if the balance in the account falls below $100.00 any day of the
*No base monthly fee. Service may be terminated after three months of inactivity. cycle. Please refer to our separate fee schedule.
**Other fees such as NSF, overdraft, sustained overdraft fees, etc. may apply. See fee Minimum balance to obtain the annual percentage yield disclosed - In order to
schedule for details. obtain the disclosed annual percentage yield a minimum balance of $100.00 is needed.
BENEFITS CHECKING ACCOUNT Daily balance computation method - We use the daily balance method to calculate
Minimum balance to open the account - Only $50.00. the interest on your account. This method applies a daily periodic rate to the principal in
Additional features: the account each day.
Cell Phone Protection Accrual of interest on noncash deposits - Interest begins to accrue on the business
No minimum balance requirement. day you deposit noncash items (for example, checks).

Transaction limitations: YOUR ACCOUNT
Transfers from a Pioneer Savings account to another account or to third parties by These are the accounts you have opened or inquired about. Further details about
preauthorized, automatic, telephone, computer, or automatic overdraft transfer are these accounts are inside this disclosure. If the figures are not filled in, please
limited to six per month with no transfers by check, draft, debit card, or similar order to see the insert that is with this disclosure or your periodic statement.
third parties.
Fees:
□ COMPLETELY FREE CHECKING ACCOUNT
An excess withdrawal fee will be charged for each debit transaction (withdrawal, □ BENEFITS CHECKING ACCOUNT
automatic transfer, or payment out of this account) in excess of six during a month.
Please refer to our separate fee schedule. □ VIP FREE INTEREST CHECKING ACCOUNT
MONEY MARKET DEPOSIT ACCOUNT
(Check images not returned with statement) The interest rate for your account is —————%
Rate Information - Your interest rate and annual percentage yield may change. with an annual percentage yield of —————%.
Frequency of rate changes - We may change the interest rate on your account at any
time. □ HIGH INTEREST CHECKING ACCOUNT
Determination of rate - At our discretion, we may change the interest rate on your
account. Rate Information:
Compounding and crediting frequency - Interest will be compounded every month. • Tier 1 - If your daily balance is $1,500.00 or more, the interest rate paid on the
Interest will be credited to your account every month.
Minimum balance to open the account - Only $50.00. entire balance in your account will be —————% with an annual percentage yield
Minimum balance to avoid imposition of fees - No fee will be imposed if you maintain of —————%.
a daily balance of $750 or more. A monthly service charge fee is assessed if the balance
falls below $750. This charge is tiered and determined by the minimum balance held in • Tier 2 - If your daily balance is $1,499.99 or less, the interest rate paid on the entire
the account on any given day in the monthly statement cycle. We will impose a monthly
fee once per statement cycle if the balance ever falls below $250, $500, or $750 balance in your account will be —————% with an annual percentage yield of
respectively. One fee is assessed per statement cycle, and the fee is determined by the
lowest balance held in the account during the statement cycle. Please refer to our —————%.
separate fee schedule for the charges that may be assessed. □ PIONEER SAVINGS ACCOUNT
All other banking fees apply.**
Daily balance computation method - We use the daily balance method to calculate The interest rate for your account is —————%
the interest on your account. This method applies a daily periodic rate to the principal in
the account each day. with an annual percentage yield of —————%.
Accrual of interest on noncash deposits - Interest begins to accrue on the first □ MONEY MARKET DEPOSIT ACCOUNT
business day after the banking day you deposit noncash items (for example, checks).
Transaction limitations: Rate Information:
Transfers from a Money Market Deposit account to another account or to third parties by
• Tier 1 - If your daily balance is $2,499.99 or less, the interest rate paid on the entire
preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card,
or similar order to third parties are limited to six per statement cycle. balance in your account will be —————% with an annual percentage yield of
Fees:
An excess per item charge fee will be charged for each check to third party, draft, debit —————%.
card transaction, or similar payment order in excess of three during a statement cycle. • Tier 2 - If your daily balance is more than $2,499.99, but less than $10,000.00, the
Please refer to our separate fee schedule.
**Other fees such as NSF, overdraft, sustained overdraft fees, etc. may apply. See fee interest rate paid on the entire balance in your account will be —————% with an
schedule for details. annual percentage yield of —————%.
COMMON FEATURES
Please refer to a separate disclosure for additional information about charges. • Tier 3 - If your daily balance is more than $9,999.99, but less than $25,000.00, the
We reserve the right to require not less than 7 days’ notice in writing before each interest rate paid on the entire balance in your account will be —————% with an
withdrawal from an interest-bearing account, other than a time deposit or demand
deposit, or from any other savings deposit as defined by Regulation D. (The law annual percentage yield of —————%.
requires us to reserve this right, but it is not our general policy to use it.) Withdrawals
from a time account prior to maturity or prior to any notice period may be restricted and • Tier 4 - If your daily balance is more than $24,999.99, but less than $100,000.00,
may be subject to penalty. See your notice of penalty for early withdrawal.
the interest rate paid on the entire balance in your account will be —————% with
Additional Notice to Non-Interest Bearing Checking Account Customers
Pioneer Bank reserves the right to require you to give the Bank at least seven (7) days an annual percentage yield of —————%.
notice prior to the withdrawal or transfer of funds from the savings subaccount.
• Tier 5 - If your daily balance is $100,000.00 or more, the interest rate paid on the
If Pioneer Bank does require your written notice, Pioneer Bank shall have the right to
return unpaid any item(s) (including checks and drafts) or refuse any withdrawals or entire balance in your account will be —————% with an annual percentage yield
transfers, including without limitation, pre-authorized transfers for which notice has not
been given. In returning any such unpaid item(s), Pioneer Bank shall not incur any of —————%.
liability.
—————————————
Member FDIC
UPDATED 04/21 PBR0401


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TABLE OF CONTENTS TERMS AND CONDITIONS

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

UPDATED 04/21 PBR0401

© 2019 Wolters Kluwer Financial Services, Inc. All rights reserved.

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