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6 <br />I. Terms Applicable to All Commercial Deposit Accounts <br /> <br />Introduction <br />In this Commercial Account Agreement (“Agreement”), “Company” refers <br />to the owner or accountholder of a Wells Fargo bank commercial deposit <br />account (“Account”). “Bank” refers to the Wells Fargo bank at which <br />Company’s Account is maintained. This Agreement includes the following <br />disclosures applicable to Bank’s commercial deposit accounts and related <br />services (each, a “Service”), that Bank has separately provided to Company: <br />(i) the schedule of Bank’s fees and other account-related information (the <br />“fee and information schedule”), (ii) the collection schedule, (iii) the funds <br />availability policy, (iv) the privacy policy, (v) the rate sheets for interest- <br />bearing accounts, each as modified by Bank from time to time, and (vi) any <br />additional disclosures regarding Company’s Account that Bank may <br />provide to Company. Company is responsible for ensuring that each <br />Authorized Signer is familiar with this Agreement. Unless Company has <br />instructed Bank in writing to the contrary, Bank may consider <br />communications about Company’s Account from an Authorized Signer on <br />Company’s Account as communications from Company. Company agrees <br />to notify Bank immediately in writing if any Authorized Signer’s authority <br />has been terminated. This Agreement replaces all prior agreements with <br />Bank regarding Company’s Account other than agreements regarding <br />security interests in, or services utilizing, the Account. By signing Bank’s <br />signature card for Company’s Account or by using Company’s Account or a <br />Service, Company will be deemed to have agreed to this Agreement. <br />Company should retain a copy of this Agreement (and any information that <br />Bank provides Company regarding changes to this Agreement) for as long <br />as Company maintains its Account with Bank. <br /> <br />Defined Terms <br />In this Agreement, certain words have a special meaning and are therefore <br />defined. Certain terms and their definitions are found in this Section, and <br />others are found in the text of this Agreement. <br /> <br />Affiliate. <br />An “Affiliate” is a bank that is, directly or indirectly, a wholly or substantially <br />owned subsidiary of Wells Fargo & Company. <br /> <br />Authorized Signer. <br />An “Authorized Signer” is a person who has Company’s actual or apparent <br />authority to transact business on Company’s Account(s), whether or not <br />such person has signed the signature card or other documentation for <br />6.1.D. - Page 48