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Dormant and Unclaimed Accounts. <br /> Company's Account is dormant i�for one year for a checking account or <br /> three years for a Commercial savings or time account, there is no customer <br /> initiated activity (except where the laws governing this Agreement require <br /> otherwise). If Company's Account is dormant, Bank may hold a11 statements <br /> on Company's Account, but Bank's normal maintenance and other fees will <br /> continue to be assessed except where prohibited and ATM and Point-of-Sa1e <br /> ("POS")access may be blocked. If Company's Account remains dormant <br /> and is unclairned by Company for the period required under the laws <br /> governing this Agreement, Bank is required by those laws to"escheat"the <br /> funds; that is,to deliver the funds in Company's Account to the state whose <br /> laws govem Company's Account. Bank may charge a fee to Company's <br /> Account for mailing an escheat notice.When the funds in Company's <br /> Account are delivered to the state,Company's Account is closed, and no <br /> interest accrues. To recover funds delivered to the state,Company must file <br /> a claim with the state. <br /> Entire Agreement; Headings; No Third Party Beneficiary. <br /> This Agreement constitutes the entire agreement between Company and <br /> Bank regarding the subjects addressed in it and supersedes prior oral or <br /> written representations,conditions, warranties, understandings,proposals <br /> or agreements regarding Company's Account. Headings do not constitute a <br /> part of this Agreement. No person or entity will be deemed to be a third <br /> party beneficiary under this Agreement. <br /> Laws Governing this Agreement. <br /> The laws governing this Agreement include the laws and regulations of the <br /> United States and, to the extent applicable,the laws of the state in which the <br /> Bank office that maintains Company's Account is located (unless Bank has <br /> notified Company in writing that the laws of another state shall govern <br /> Company's Account), without regard to conflicts of laws principles. If <br /> Company's Account was not opened in person at a Bank office(for example, <br /> if Company opened its Account by phone,through the mail or over the <br /> Internet), this Agreement will be governed by the laws of the state in which <br /> 33 <br />