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Table of Contents <br /> I.Terms Applicable to All Commercial Deposit Accounts ................................ 6 <br /> Introduction <br /> De�ned Terms <br /> Affiliate.......................................................................................................................................................................6 <br /> AirthorizsdSigner ............................................................................................................................................6 <br /> BusinessDay....................................................................................................................................................... 7 <br /> CollectedBalance ............................................................................................................................................ 7 <br /> Commercial Deposit Accotmt ...............................................................................................................7 <br /> DepositFloat ....................................................................................................................................................... 7 <br /> DepositedItem .................................................................................................................................................. 7 <br /> InvestableBalance .......................................................................................................................................... 7 <br /> Item ............................................................................................................................................................................ 7 <br /> LedgerBalance ....................................................................................................................................................8 <br /> Overdraft ...................................................................................................................................................................8 <br /> PaperItem................................................................................................................................................................8 <br /> Service .........................................................................................................................................................................8 <br /> Arbitration Agreement <br /> Agreementto Arbitrate ...................................................................................................................................8 <br /> GoverningRules ...................................................................................................................................................8 <br /> No Waiver of Self-Help or Provisional Remedies ......................................................................9 <br /> Arbitrator Qualifications and PowErs.................................................................................................9 <br /> Discovery .................................................................................................................................................................10 <br /> Class Acrions and Consolidations .....................................................................................................10 <br /> Payment of Arbitration Costs and Fees .........................................................................................10 <br /> Miscellaneous .......................................................................................................................................................11 <br /> Statements and Other Account-Related Information <br /> Mailing Statements and Other Account-Related <br /> Informationto Company ............................................................................................................................. 11 <br /> Company's Obligation to Review Statements and Other Account-Related <br /> Inforrnation and to Notify Bank ofErrors ..................................................................................... 11 <br /> Returned, Unclaimed Statements or Other <br /> Account-Related Information ................................................................................................................ 12 <br /> Address Changes for Statements for Company's Account and Other <br /> Account-Related Informatian ................................................................................................................ 12 <br /> Noticesand Other Mail .................................................................................................................................13 <br /> 2 <br />