Who We Are?	Customers Bank
Questions?	Call 866-476-2265 or go to www.customersbank.com
Why?	Regulation DD, also known as the Truth In Savings Act, requires Banks to disclose the terms of deposit accounts to consumers so that they can make informed decisions.
What?	This disclosure explains the terms of deposit accounts. What the annual percentage yield is on an account How we compound and credit the interest How we determine the rate on the account How often the rate can change The minimum opening deposit for the account The minimum balance to avoid being charged a fee	This information will include: What will happen to accrued interest when the account is closed How we calculate the balance on the account The minimum balance to earn the APY When interest begins to accrue Other applicable fees Any transaction limitations on the account

Small Business Checking
AVAILABILITY	In Branch Only
The interest rate on your account is	N/A
The annual percentage yield is	N/A
Can the interest rate and annual percentage yield change?	N/A
The interest rate is determined	N/A
We may change the interest rate on this account	N/A
Interest will be compounded	N/A
Interest will be credited to your account	N/A
If you close your account before interest is credited	N/A
To open this account, you must deposit a minimum of	$50.00
In order to avoid a fee, you must maintain	N/A
In order to earn the annual percentage yield, you must maintain at least	N/A
We calculate your balance by	N/A
Interest begins to accrue	N/A
Information regarding fees you may be charged	Is located in the Customers Bank Fee Schedule
Transactions on this account are limited to	No transaction limitations apply

Customers Bank Instant Token (CBIT) Business Checking Account

The Customers Bank Instant Token (CBIT) Business Checking account provides business customers with the ability
to deposit, hold, send and withdraw dollars, and not CBIT.

Payment of fees and expenses:

By using CBIT Business Checking Account business customers may pay for part or all of their banking fees using
Earnings Credit Allowance that is calculated on the average daily collected balances in the Account.

The Bank will directly debit your Account on the 15th of each month for Bank fees and other charges incurred in
connection with your Account during the previous month’s activity. If there are insufficient available funds in
your Account to cover checks and other debits, the Bank may, at its discretion, create an overdraft on your
Account. You agree to promptly repay any overdrawn amount.

Balance Assessment:

The Bank may impose a balance assessment fee on the average daily collected balance of your account each monthly
statement cycle.

Earnings Credit Allowance:

The CBIT Business Checking Account does not earn interest. However, you will receive an Earning Credit Allowance
each month that is used to offset certain monthly activity charges. If the Earning Credit Allowance is less than
the monthly activity charges, you will be assessed a service charge for the difference. If the Earning Credit
Allowance is greater than or equal to the monthly activity charges, no service charge will be assessed. The
Earning Credit Allowance is set by the bank each month based on market conditions. The Earning Credit Allowance
is based on the average daily collected balance; however, the Bank may apply a reserve holdback as
market/regulatory conditions permit or require. Any excess Earning Credit Allowance may not be carried over to
the following month.

Customers Bank Instant Token (CBIT) Business Checking Schedule of Fees

*The interest rate and annual percentage yield on Interest on Lawyers Trust Accounts (IOLTAs)
and similarly structured accounts (that are held in escrow and pay interest income to a designated trust or
charity) are governed by the Committee or bar foundation that oversees the regulations controlling these
accounts as applicable.

Customers Bank Business Analysis Checking Account

Payment of fees and expenses: By using the Business Analysis Checking Accounts business
customers may pay for part or all of their banking fees using Earnings Credit Allowance that is calculated on
the average daily collected balances in the Account. The Bank will directly debit your Account on the 15th of
each month for Bank fees and other charges incurred in connection with your Account during the previous month’s
activity. If there are insufficient available funds in your Account to cover checks and other debits, the Bank
may, at its discretion, create an overdraft on your Account. You agree to promptly repay any overdrawn amount.

Balance Assessment: The Bank may impose a balance assessment fee on the average daily collected
balance of your account each monthly statement cycle.

Earnings Credit Allowance: The Business Analysis Checking Account does not earn interest.
However, you will receive an Earning Credit Allowance each month that is used to offset certain monthly activity
charges. If the Earning Credit Allowance is less than the monthly activity charges, you will be assessed a
service charge for the difference. If the Earning Credit Allowance is greater than or equal to the monthly
activity charges, no service charge will be assessed. The Earning Credit Allowance is set by the bank each month
based on market conditions. The Earning Credit Allowance is based on the average daily collected balance;
however, the Bank may apply a reserve holdback as market/regulatory conditions permit or require. Any excess
Earning Credit Allowance may not be carried over to the following month.

Business Analysis Checking Schedule of Fees

Other fees for the other service will be provided by your Cash Management Sales officer or
Relationship Manager at account opening in your Pricing Proposal. Furthermore, we reserve the right to
impose additional or increase fees for banking service in the future. You will be notified of any
increases in fees in the manner and to the extent required by law. Your use of the Account after the
effective date of any fee changes shall constitute your approval of revised fees.

Earning Credit Allowance Calculation: The formula used to calculate the
Earning Credit Allowance is: Earning Credit Allowance is calculated by taking the Average Daily Collected
Balance for the month less the Reserve Requirement, multiplied by the Earnings Credit Allowance Rate,
divided by the days of the year and times the days in the month.

Money Markets

Savings Accounts

Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006 Effective June 1,
2010 The UIGEA, signed into law in 2006, prohibits any person engaged in the business of
betting or wagering (as defined by the Act) from knowingly accepting payments in connection with the
participation of another person in unlawful internet gambling. As defined in Regulation GG, unlawful
Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which
involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable
Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or
otherwise made.” As a customer of Customers Bank, theses restricted transactions are prohibited from being
processed through your account or banking relationship with us. If you do engage in an Internet gambling
business and open a new account with us, we will ask that you provide evidence of your legal capacity to do
so.

Certificates of Deposit (CDs) & Individual Retirement Accounts (IRAs)

Customers Bank Fee Schedule

Business Bank Account Agreement

This Account Agreement (“Agreement”) contains the services available to you as a Customers Bank customer. The
terms “we”, “us” and “our” refer to Customers Bank. The terms “you” and “your” refer to the business and anyone
with authority to conduct transactions on or exercise control over the account. In addition to this agreement,
your account is also governed by the signature card you signed and any other applicable disclosures provided to
you. If you opened a certificate of deposit, it will also describe certain terms and conditions regarding such
account. You should retain a copy of this Agreement, the disclosures, the Fee Schedule and all product
information and feel free to ask questions about them. You should substitute any later updated versions of the
documents when you receive them.

Scope of Agreement This Agreement covers all types of business deposit accounts that we offer,
now or in the future, including checking account type products, savings accounts (including money market account
products) and certificates
of deposit. The Agreement does not cover safe deposit boxes, trust services, credit cards and non-deposit
investment products.

Interest If you have an account that earns interest, unless otherwise required by law or
provided for in our policy, interest begins to accrue on the day of deposit.

Account Ownership and Signature Requirements

Business Account If your account is a business account, any individual designated as an
authorized signer on the most current signature card may conduct all transactions on your account unless
transaction authority is otherwise restricted by a document provided to us such as a corporate resolution. This
means that we may pay all or any part of the account balance to any one of you and pay checks signed by any one
of you. We may also honor withdrawals, orders or other requests from any one of you. Any one of you may place a
stop payment on any item. Each of you guarantees the signature of the other and authorizes the other to endorse
for deposit and/or cash any item. Either of you may appoint someone to act for you on the account (an agent or
attorney-in-fact), but we may require the consent of all of you to the appointment. If one of you dies, we may
continue to pay checks signed by, and honor withdrawals, orders or other requests by an authorized signer or any
one of you who survives. If we receive written notice from any one of you or any authorized signer on the
account not to permit withdrawals, or if we receive conflicting instructions from each of you, we may freeze
(refuse to permit withdrawals or transfers from) the account. The account may be frozen until we receive written
notice, signed by all of you (including all authorized signers), as to the disposition of the funds. Notice from
us to any one of you is notice to all of you.

Transfer of Ownership If you wish to add a signer to, remove a signer from, or otherwise change
authority on an account, we may require that the account be closed and a new account be opened with the names of
the new authorized signers. You may not transfer or assign your account without our prior written consent. We
must approve any assignment or pledge of your account as security for a debt you owe. Any assignment or pledge
of your account remains subject to our right of set-off and security interest. No pledge or assignment for
security purposes will become effective until we have recorded it in our files.

Facsimile Signatures If you use a stamp, computer technology, digital or other electronic
means, or another device to imprint a facsimile of your signature on a check, withdrawal slip, or other form,
you accept complete responsibility for maintaining security over any such signature device and are fully
responsible for the use of the signature device even if you are not negligent. You are also fully responsible
for the signature which appears on any item presented to us for payment regardless of who used the signature
device or how the facsimile signature came to be placed on the check, withdrawal slip or other form. Any check,
withdrawal slip or other form containing a facsimile signature will be effective as your signature or
endorsement, whether or not the person who used the signature device was properly authorized to use it. If you
use a signature device, you will deliver a sample to us before its first use.

Deposits and Collection of Items You may make deposits to your account in person at any Customers Bank Office or at automated teller machines (ATMs) that accept deposits to your account. You may also
make deposits by mail. We may make other methods of making deposits available to you for your convenience. We are not responsible for transactions by mail or outside our offices until we actually record them.

In receiving any item (such as a check, draft or Automated Clearing House (“ACH”) credit) for deposit or collection, we will process the item in order to collect payment of it. We do not, however, become the owner of the item and will not be responsible beyond the exercise of ordinary care.

If you receive any item payable to you with any endorsement missing, we may endorse it for you and deposit it in your account. We are not required to accept items that contain more than one endorsement. At our discretion, we may limit the amount that may be deposited or refuse or return any deposit. You agree to reimburse us for any loss we incur because an item was not endorsed exactly as it was made out.

If after we received final payment of an item a third party claims that the item was altered, bore a forged or unauthorized endorsement, was counterfeit, or was otherwise not properly payable, we may withhold the amount of the item from your account until a final determination has been made of the claim. We will not be liable to you for our actions.

We may adjust your account in our sole discretion to correct computation, transaction recording or other errors. We will not be liable for errors, mistakes or negligence by other banks that process any items. We will not be liable if the item is lost in transit or there is a delay in payment of the item.

Endorsement Standards If you cash or deposit a check, your endorsement must appear on the back
of the check within the first 1 ½ inches from the left side of the check when looking at it from the front. You
may not include any other information in the remaining area on the back of the check. We are not responsible for
any loss due to a delay in returning the checks caused by endorsements that do not comply with these standards.
We are also not responsible for any loss due to endorsements that are not legible because of material on the
back of the check (such as checks with carbon bands or strips) that prohibit us from placing our endorsement on
the back of the check or that causes our endorsement to be covered. You agree to reimburse us for any loss,
expense and cost we may incur because you did not comply with these standards.

Withdrawals

Current Balance – the balance in your account reflecting all deposits and withdrawals made.

Available Balance – the balance in your account which is currently available for withdrawal. This balance is the Current Balance less funds that have been placed on hold. These holds may include items deposited for collection, new account holds, or extended holds.

All items, including items drawn on us, may be withdrawn by you only after we have received payment for the item (final payment). We will not be liable to you for any late payment or failure to pay the item except as set forth in this Agreement. We are not obligated to cash any checks or other items drawn on your account that are payable to others.

We may refuse any request by you to withdraw or transfer funds from your account if your request is for an amount that is less than any minimum we require or exceeds any limit on the frequency of withdrawals of transfers that we established. We may also refuse any request by you to withdraw or transfer funds if such withdrawal or transfer is by a method not specifically permitted by us.

We reserve the right at any time to require that you give us at least seven (7) days notice before you withdraw funds from a savings or money market account. Although we usually pay withdrawals or checks without notice on these accounts, doing so does not mean that we give up that right. If you make a withdrawal from a certificate of deposit account prior to maturity, your withdrawal may be subject to a penalty as well as other restrictions we impose.

Overdraft Protection You may choose to use another Customers Bank account or your credit line (“overdraft account”) to provide overdraft protection to an account. When the current balance of your account is less than the amount necessary to cover outstanding checks and/or other debt items, funds will be transferred from the overdraft account to cover such checks or debt items and any applicable fees. The funds necessary to cover such checks and/or debit items plus related fees will be transferred to the account provided sufficient collected funds are maintained or are available in the overdraft account. These transfers may cause the overdraft account to fall below the minimum balance required to avoid service charges (See Fee Schedule). Any transfer of funds to cover an overdraft is not an extension of credit, unless it comes from your line of credit with us. If your overdraft account is a savings or money market account, there are limits on the number of transfers that may occur. The funds available in any of your overdraft account(s) will be used before any advances are made in accordance with our Overdraft Policy.

Credit Error If, for any reason, we credit your account in error or for an amount in excess of the amount to which you are entitled, you agree to pay us the amount of the credit or excess amount. We may deduct the amount of the credit or excess amount from your account or any of your accounts with us without notice to you. We may also use any other legal remedy to recover the credit or excess amount.

Stop Payment Order If you do not want us to pay a check you have written, you can request us to stop payment on it in person, by mail, by telephone, or by any other method we make available to you. (You may not notify us by e-mail because this would contain personal information.) Any person who can act on your account may also place a stop payment order on any check or item written on your account. Stop Payment Order If you do not want us to pay a check you have written, you can request us to stop payment on it in person, by mail, by telephone, or by any other method we make available to you. (You may not notify us by e-mail because this would contain personal information.) Any person who can act on your account may also place a stop payment order on any check or item written on your account. You should also tell us other information as required such as the date of the check, name of the payee and the information that is magnetically encoded on the bottom of the check. We may take up to twenty- four (24) hours to determine whether we can act on a stop payment request. If any of the information you provided is incomplete or incorrect, or you use a check that is not magnetically encoded to our specifications, or if we do not have a reasonable opportunity to act on it, we will not be liable if we fail to stop payment on the check or if our payment of the check causes other checks to be returned for insufficient funds. We will not be liable for mere clerical errors, inadvertence or a reasonable mistake of judgment if we pay the check over a stop payment order. In no event will we be liable if we pay the check on the same day we receive your stop payment request. If we pay a check over a valid stop payment and re-credit your account for the amount of the check, you agree to transfer to us all of your rights against the payee of the check or person holding your check. You also agree to assist us in any suit or action we may take against the payee or holder of the check. We will not honor stop payments on cashier’s checks or other bank official checks, certified checks or money orders. You may not place a stop payment on a check that has already been paid or otherwise accepted by us.

A stop payment will be valid for 180 days, but you may renew it before the 180 days expires. When the 180 days expires, we do not have to notify you before we pay the check. A stop payment may be revoked or released, in writing, but only by the person who placed the stop payment, regardless of the ownership of the account.

If you place a stop payment, you agree to pay our stop payment fee and to reimburse us for all costs and expenses we incur, including our attorneys’ fees, because of our refusal to pay the check.

You may stop a preauthorized ACH payment from your account by notifying us at least three (3) business days before the scheduled payment date.

An oral stop payment must be confirmed in writing within fourteen (14) calendar days; otherwise it will expire. Mail your confirmation to: Customers Bank, Customer Service, 40 General Warren Blvd. Suite 200, Malvern, PA 19355.

Postdated Checks You must not date a check later than the date you write it. If you do and the check is presented to us before its date we may, at our option, either pay the check or return it. We will not be liable to you if we pay the check before its date.

Stale Checks We may at our option pay a check that is more than six (6) months old, but we are not required to do so. We will make our decision without consulting you.

Check Legends We may disregard information on a check other than the signature of the person who wrote the check, the name of the bank on which it is drawn, the name of the payee, the amount of the check,
and any other information that appears on the MICR line at the bottom of the check. We are not required to comply with any notation on a check such as “paid in full”, “void after 60 days”. “not valid over $1,000”.
Unless we have agreed in writing to do so. You must reimburse us for any loss or expense we incur because you wrote or deposited a check containing extra information.

Waiver of Presentment, Dishonor, Nonpayment If another institution refuses to pay a check (called “dishonor” or “non-payment”) which you deposited or cashed, we may put the check through for collection
again. We will not always give you notice that the check was dishonored or not paid before we put the check through again for collection. This means that in this instance you are “waiving” your right to “notice of
dishonor” or “notice of non-payment”. You agree that we may delay putting a check through for collection that you have deposited to your account. This means that you are “waiving” your right to have us begin the process of
“presenting” the check by the next business day.

Payment to Unauthorized Persons We are not responsible for any withdrawals or other transactions made by someone impersonating you or claiming to act under your authority if we have not previously
received written notice of the loss or theft of your checks, passbook, and certificate of deposit or of your death.

Disputes Affecting the Account If we believe that there is a dispute among signers of any account, we may, in or at our sole discretion, place a hold on the funds in the account pending resolution of the dispute to our satisfaction. We may, instead, permit all signers to continue to use the account or we may deposit the account balance into a court for a court order determining who is authorized to withdrawal funds from the account. We will not be liable for taking any of these actions. You must reimburse us for all expenses and costs we incur, including reasonable attorney’s fees. We can deduct any of our losses, costs or expenses from any of your accounts without giving you any notice.

Adverse Claims If a person other than you makes a claim to your account, we may choose not to act on that claim until we receive a court order. We may, however, act on the claim if the person agrees in
writing to pay us for any losses, damages, costs and expenses we incur (this is called indemnification). We are not liable if we pay a check or withdrawal on your account, even if we act after we receive notice of the claim.

Your Death or Incapacity We may accept, pay, and collect checks and other items after death of an authorized signer or if a court finds an authorized signer unable to handle their affairs (they are
“adjudicated incapacitated”) until we know of their death or receive a court order of their incapacity and have a reasonable opportunity to act. Even if we have knowledge of their death, we may, for fourteen (14) calendar
days after the date of death, pay checks written before their death. We will not pay such checks, however, if we receive a stop payment from your legal representative, another authorized signer or other persons having a legal
interest in your account.

Periodic Statements If you have an account that receives a periodic statement, we will mail statements to the most recent address we have for you on our records unless you instruct us otherwise. We may
also make statements available via Online Banking. If any statement is returned to us because of an incorrect address, we may stop sending statements to you. If you request us to hold rather than mail your statement we may
honor or reject any such request. If we permit such a request, you must pick up your statement promptly. We will destroy statements held after ninety (90) days. Even if we agree to hold your statement, you must provide us
with an actual mailing address that we can use to mail official correspondence to you. You must exercise the same care in reviewing statements we hold for you or make available to you via Online Banking as if they were
mailed.

Notification of Errors forElectronic Transactions You should look over your statements carefully and balance your account promptly. You should look for unauthorized electronic payments, ATM, point of
sale, check card transactions, and other mistakes or irregularities. If you find any of these or any other errors on your statement, you must notify us immediately. We will consider the statement correct with respect to
these types of electronic transactions unless you notify us in writing, at the address indicated on the statement within sixty (60) calendar days from when the statement is FIRST mailed or made available to you.

Notification of Errors, Checks with Unauthorized Signatures, Forgeries, Alterations You should examine your statements and the itemized transactions carefully and reconcile the account promptly. We will
consider the statement correct with respect to unauthorized signatures, forgeries, alterations and similar unauthorized checking transactions unless you notify us within 14 calendar days from the date the statement is
FIRST sent or made available to you. This 14 calendar day limitation applies regardless of whether we used ordinary care.

Lost and/or Stolen Checks, ATM and/or Debit Cards or Other Account Access Means An authorized
signer must notify us within twenty-four (24) hours after you become aware that any of your checks, ATM and/or
Debit Cards have been lost, stolen, destroyed or leave your possession without your authorization. You must also
notify us within twenty-four (24) hours after you become aware that your Personal Identification Number (PIN) or
other information, equipment or electronic record that could enable unauthorized access to your account(s)
leaves your possession or control without your authorization. All oral notice must be confirmed in writing
within seven (7) calendar days; addressed to: Customers Bank, Customer Service, 40 General Warren Blvd. Suite
200, Malvern, PA 19355. We may require proof of loss, indemnification, security, a waiting period, or other
documents before we issue a new certificate or allow any withdrawals from the account. As long as we act with
ordinary care, any payments to persons presenting your certificate will be valid payments for which we are not
liable. You also agree to reimburse us for any loss or expense we incur. We may charge a fee to replace your ATM
or Debit Card (See Fee Schedule).

De-Activation of Debit Cards
To improve the security and safety of your checking account, we require that debit cards which are not actively
in use be deactivated. Any debit card that has not been used for a financial transaction for a period of 12
months will be deactivated. If you wish to keep your card active, please complete at least one financial
transaction annually. In the event your debit card is deactivated due to inactivity, you will be required to
apply for and obtain a new debit card.

Lost/Stolen Certificates If your certificate of deposit is lost, stolen, destroyed or leaves
your possession without your authorization, you must call us immediately. All oral notice must be confirmed in
writing within seven (7) calendar days; addressed to: Customers Bank, Customer Service, 40 General Warren Blvd.
Suite 200, Malvern, PA 19355. We may require proof of loss, indemnification, security, a waiting period, or
other documents before we issue a new certificate or allow any withdrawals from the account. As long as we act
with ordinary care, any payments to persons presenting your certificate will be valid payments for which we are
not liable. You also agree to reimburse us for any loss or expense we incur.

Business Day Each day is a business day except Saturdays, Sundays, and bank holidays. Thus, a
deposit is considered made only on a banking day, i.e., a day the bank is open to the public for carrying on
substantially all of its banking functions.

After-Hours Deposits Any deposit which is made by you on a Saturday, Sunday, bank holiday or
after branch closing on any business day may be considered by us to have been made on the next business day.

Wire Transfers Wire Transfers will be governed by any wire transfer agreement or other
agreement you sign covering such transfers. They will also be subject to Article 4A (Funds Transfer) of the
Uniform Commercial Code (UCC) of the state of Pennsylvania. Any payments made to you, or originated by you, are
provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as
provided by Article 4A of the UCC. We are not required to give you notice of any payment order or credit to your
account by wire or ACH.

UCC Article 4A Disclosure DISCLOSURES REGARDING ELECTRONIC “WHOLESALE CREDIT” TRANSACTIONS
SUBJECT TO UNIFORM COMMERCIAL CODE ARTICLE 4A PROVISIONAL PAYMENT:Credit given by us to you with respect to an
automated clearing house credit entry is provisional until we receive final settlement for such entry through a
Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are
entitled to a refund of the amount credited to you in connection with such entry, and the party making payment
to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of
such entry. NOTICE OF RECEIPT OF ENTRY: Under the operating rules of the National Automated Clearing House
Association, which are applicable to ACH transactions involving your account, we are not required to give next
day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of
the receipt of payments in the periodic statement we provide to you.

CHOICE OF LAW: We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (“ACH”) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Pennsylvania, unless it has otherwise specified in a separate agreement that the law of some other state shall govern.

Instant Payments Terms to Supplement Consumer and Commercial Account Terms

As of [June 2024], Customers Bank is a “receive only” participant in the FedNow® Service operated by the Federal Reserve Banks and the RTP® network operated by The Clearing House. These networks facilitate instant payments 24 hours a day, 7 days a week, 365 days a year (“Instant Payments Networks”). Through these Instant Payments Networks, you may receive inbound payments credited to your eligible deposit accounts maintained at Customers Bank. Currently, you may not send or otherwise initiate any outbound payments from your deposit accounts maintained at Customers Bank via the Instant Payments Networks. Funds received via Instant Payments Networks will be available to you immediately and will be reflected in your daily closing balance for the same day if received prior to 10:00 pm ET and if received thereafter will be reflected in your daily closing balance for the next day. You may not receive any payment through an Instant Payments Network on behalf of someone who is not a resident of the U.S. or otherwise domiciled in the U.S. Transfers using Instant Payments Networks may be made only in U.S. Dollars. Customers Bank may at any time block or decline to effect any fund transfers, including those using Instant Payments Networks, that we believe may violate the Bank Secrecy Act, OFAC regulations, or other applicable laws, regulations, or terms governing your accounts. By opening and maintaining an account with Customers Bank, you consent to the use and disclosure of your account information by Customers Bank, the operators of the Instant Payments Networks, and the other financial institutions participating in the Instant Payments Networks and their service providers as necessary to effect, administer, or enforce the instant payments, and as otherwise described in the rules and regulations governing the Instant Payments Networks and in Customers Bank’s privacy policies and notices.

Attachment or Garnishment and Levy Any attachment, garnishment or levy against your account is
subject to our right of set-off and security interest. If we receive an attachment, garnishment, or levy,
against you or any part of your account, we may refuse to allow any authorized signer to make any withdrawals
from the account until the attachment, garnishment or levy is satisfied. We may pay the amount demanded to the
sheriff, tax authority, or court without notifying any signer of the account. We will, to the extent required by
law, send notification to the address of record in writing whenever we receive an attachment, garnishment, or
levy affecting your account. We are not liable to you for our actions even if our holding or paying the money
leaves insufficient funds to cover outstanding checks or other items presented for payment. You are responsible
for any expenses we incur as a result of an attachment, garnishment, or levy and we may off-set such expenses
from any accounts you have with us. We may also deduct from any of your accounts any fee charged by us as a
result of the attachment, garnishment, or levy (See Fee Schedule).

Set-Off and Security Interest If you ever owe us money, we can, to the extent allowed by law
and without notice to you, use the money from any or all of your accounts (as allowed by law) to pay the debt
(set-off). We can do this no matter what kind of debt it is or how the debt arose. In addition to our right of
set-off you, grant us a consensual security interest in your accounts. Your opening of an account with us will
be considered to be your consent to set-off against your accounts if any present or future law or regulation
requires such consent. We will not be liable for any checks which are not paid because we set-off or otherwise
use funds from your account to pay a debt or obligation you owe us. We may use your accounts to pay the debt or
obligation even if it results in an interest penalty or return of subsequent checks. You agree to hold us
harmless from any claim arising as a result of our set-off. If Federal benefits or other payments (such as
Social Security benefits) are deposited to your account after you are not eligible for such benefits, we may
set-off against your accounts to recover any funds we are obligated to return to the payor because of your
ineligibility.

Dormant Accounts If you have not made a deposit to or withdrawal from (including a check) your
account for one year, and we have not received anything from you in writing concerning your account during that
time, we may consider the account dormant. Your dormant account may be turned over (escheated) to the
appropriate government entity pursuant to law if there has been no activity or contact from you for a period of
five (5) years. If your account earned interest, we may continue to pay interest on the account after it becomes
dormant at a variable interest rate determined by us in our sole discretion. We may change the rate without
limit and without notice to you.

Refusal of Deposit, Termination of Account, Termination of Type of Account At our discretion,
we may refuse to accept a deposit, limit the amount of a deposit, or return a deposit. We may also refuse to pay
an item, or limit or discontinue permitting withdrawals from your account. We also reserve the right at any time
and in our sole discretion to refuse to open any account, close any account, modify the type of service offered
on our accounts, or discontinue, or withdraw offering any particular type account.

Deposit Reclassification of Checking Account (effective October 16, 2018) Business
Checking Accounts consist of a checking sub account and a savings sub account. The Bank may periodically
transfer funds between these two sub accounts. On a sixth transfer during a calendar month, any funds in the
savings sub account will be transferred back to the checking sub account. If your Account is a Plan on which
interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be
non-interest bearing. The savings sub account will be governed by the rules governing our other savings
accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance
protection, or your monthly statement.

Closing the Account We may close your account at any time and for any reason without notice to
you. We will mail or deliver to you notice of the closing of your account along with a check to the address in
our records. We may close the account on the same day we mail or deliver the notice. You can close your account
by giving us fourteen (14) calendar days written notice and by no longer using your account. We will pay you the
balance in your closed account, less any applicable debit items, premature withdrawal penalties, fees, set-offs
and other amounts you owe us. If an interest-bearing account is closed before interest is credited, we will pay
you the interest unless we have stated that we will not do so as part of the document you signed to agree to the
account. Further, for security reasons, we may require you to close your account and to open a new account if
(a) there is a change in authorized signers, (b) there has been a forgery or fraud reported or committed
involving your account, (c) any account checks are lost or stolen, (d) you have too many transfers (see
Limitations on Preauthorized Transfers) from your account, (e) any other provision of our Agreement with you is
violated. After the account is closed, we have no obligation to accept deposits or pay any outstanding checks.
You will still be responsible for any fees or obligations which arose before your account was closed.

Schedule of Service Charges Your account may be subject to service charges, minimum balance
requirements, and other fees and charges. These are listed in the Fee Schedule and are subject to change. You
agree to pay these fees and charges. You agree to pay additional reasonable charges for any services you request
which are not covered in the Fee Schedule. We may charge any of your accounts for these charges without prior
notice to you.

Verification of Identity and Information We may from time to time establish requirements for
identification that you will need to provide to us when you open new accounts, cash checks or conduct certain
other business with us. We may, at our discretion and at any time, obtain credit reports and otherwise verify
information supplied by you when you applied for an account with us or applied for any service we offer. We may
obtain credit reports on you at any time for any legitimate business purpose.

Privacy of Account Your account and its benefits are for your proper use only. No third party
or other beneficiary shall have any rights in any account except with your prior written consent. You must not
give your account number to any unauthorized person. You agree to take all reasonable steps to keep any
unauthorized person from learning your account number or other means of accessing your accounts. This includes
but is not limited to making your account number, ATM or Debit Card number, PIN or password accessible to others
using a computer or other electronic means or using means that are not secure to transmit such information. If
you let an unauthorized person learn your account number or other information necessary to access your account,
we will not be liable for any of your losses or damages which result from withdrawals or other uses of your
account. If you provide your account number to someone, you authorize us to pay any resulting items presented to
us.

Responsibility for Loss Provided that we act in accordance with the terms of this Agreement and
other documents governing your account, you agree that you or your legal representatives will not hold us
responsible for any losses, damages, liabilities, costs, and expenses, including reasonable legal fees that
arise from the use of your account. You and your legal representatives also agree to reimburse us for all our
losses, damages, liabilities, costs, and expenses, including reasonable legal fees, which arise from the use of
your account.

Liability You agree to be liable for all obligations arising out of the ownership and
maintenance of your account, including liability for any account shortage, overdrafts and negative balances.
This means that each of you is fully and personally obligated under this Agreement whether the obligation is
caused by you or another with access to your account. This liability is due immediately, and we can deduct it
directly from the balance of any account you have with us. You are liable regardless of whether you signed an
item, knew about it, or benefited from a charge or overdraft. Your liability includes our cost of collecting any
amount you owe us and, to the extent permitted by law, our reasonable attorney’s fees.

Bank’s Duty of Care and Limitation on Liability Our responsibility is limited to our exercise
of reasonable and ordinary care. We use automated systems to process checks and other transactions. You agree
that if these systems are consistent with general banking practice, our use of them constitutes ordinary care
and we may not be liable to you for forgeries or alterations or other errors not detected by these systems. We
may rely only on information that is magnetically encoded on checks or other items even if this information is
different from other information on the check or item. We will not be liable to you or any other person for any
loss caused by an event that is beyond our control, such as fire, natural disasters, war, national emergencies,
riots, strikes, computer failure, or loss of power, communication or transportation facilities. In no event will
we be liable for any indirect, special or consequential damages of any kind or punitive damage even if we were
advised that such damages were possible. This limitation on our liability will apply regardless of the form of
any suit or action; for example, regardless of whether the claim is based on contract or tort (negligence). Our
obligations and your rights as set forth in this Agreement are the only rights and obligations which govern, and
no other warranties are expressed or implied.

Amendment We can change this Agreement and other documents or agreements that are made as part
of this Agreement at any time. We may also change the terms described in any of our disclosures. If the change
is not in your favor, we will give you notice at least thirty (30) calendar days before the change will take
effect. We will give you notice in writing or by any other method permitted by law. For other changes, we will
give you reasonable notice in writing or by any other method permitted by law. This Agreement may not be changed
orally.

Waiver of Terms We may waive enforcing any of the terms of this Agreement on any occasion. Any
waiver will not affect our right to enforce any terms with respect to other customers or on other occasions with
you. Any waiver will not modify this Agreement.

Interpretation When you open an account with us you agree that our interpretation of this
Agreement, any rules adopted by us from time to time, the terms of your signature card, the terms of the Fee
Schedule, other documents which are a part of this Agreement and any of our disclosures is final and binding.

Back-Up Withholding Imposition of Back-Up Withholding At the time you open your account, you
will provide us with a tax identification number (TIN), which you certify as correct under penalty of perjury.
In accordance with prevailing law, we will use that number to report any interest earned on your account to the
Internal Revenue Service (IRS). If you fail to provide us with a TIN, you do not provide the correct TIN, or you
fail to certify the TIN, you may be subject to back-up withholding if the IRS notifies us that the furnished TIN
is incorrect, you are notified by the IRS that you are subject to back-up withholding for failing to report all
interest and dividend payments on your tax return, or your failed to certify to us that you are not subject to
back-up withholding, we are required to withhold and pay to the IRS a percentage of any payment of interest on
your account. If we do back-up withhold and later you are no longer subject to back-up withholding, you may have
to contact the IRS to obtain a refund of the money withheld.

Notification of Incorrect TIN We will send you a notice if we are notified by the IRS that your
TIN is incorrect. You will then have a period of time as provided by law to provide your current surname and TIN
to us. If you do not provide this information within the appropriate time period, we must begin back-up
withholding as required bylaw.

Applicable Law Your account is subject to both state and Federal laws; including the provisions
of the Pennsylvania Uniform Commercial Code, the rules and regulations of the Federal Reserve Board and
operating circulars of the Federal Reserve Banks, the regulations of Federal Deposit Insurance Corporation, the
regulations of state and Federal bank supervisory authorities, and all other applicable state and Federal laws
and regulations. Except as is otherwise required by law, your account will be governed by the law of either (a)
the state in which your account is maintained or (b) if you opened your account by mail, the Commonwealth of
Pennsylvania, regardless of the state of your residence. Your account is also subject to our Articles of
Incorporation and by-laws. If any provision of this Agreement is found to be unenforceable, all remaining
provisions will continue in full force and effect. All internet transactions are considered to be performed in
the Commonwealth of Pennsylvania.

Internet Banking You agree to be bound by the terms and conditions provided in the Customers
Bank Online and Mobile Banking Access Agreement, or any other agreement governing your account or an account
related service which occurs over the Internet. You agree that electronic pages, such as the pages of the
Customers Bank Web Site and Net, used with your Login ID and Password, are the legal equivalent of hard copy
written documents. You agree that your “clicking” on any “buttons” stating “I agree”, “Accept”, or “buttons”
with similar intent, shall have the same legal effect as if you had placed your signature by hand on hard copy
versions of such electronic pages. By clicking on such buttons you agree to be legally bound with us to the
content on any such pages. You are encouraged to download or print for your future reference copies of all
relevant electronic pages from the Customers Bank Web Site.

Telephone Banking You may access your deposit accounts by using a separate personal
identification number (PIN) assigned to you and your account number in our audio response system. At the present
time you may use the system to:

• Transfer funds between your deposit accounts.
• Obtain balance information on your deposit accounts.
• Verify the last date and amount of your payroll deposit.
• Determine if a particular check has cleared your account.

Bill Pay You may access Bill Pay services web site by logging onto Customers Bank Online
Banking site, clicking the Bill Pay button and accepting the bill pay agreement presented which is required to
use this service. At the present time you may use the service to:

• Pay bills from a qualified Customers Bank account.
• Manage your payments (current, future and reoccurring)
• Set up bill reminders
• Request e-bill delivery

Unlawful Internet Gambling Enforcement Act The UIGEA, signed into law in 2006, prohibits any
person engaged in the business of betting or wagering (as defined by the Act) from knowingly accepting payments
in connection with the participation of another person in unlawful internet gambling. As defined in Regulation
GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any
means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any
applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or
otherwise made.” As a customer of Customers Bank, theses restricted transactions are prohibited from being
processed through your account or banking relationship with us. If you do engage in an Internet gambling
business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.

Cash Management Agreements As part of some cash management agreements, a proposal with terms
and conditions for one or more of your accounts may have been provided and agreed to by you. The terms contained
within any such proposal are in addition to the terms of this agreement. If any term of the proposal is
inconsistent with any term of this agreement, the terms of the proposal shall control with respect to matters
relating to any accounts referenced in the proposal.

Specific Product Terms This section covers specific types of business deposit accounts that we
offer. The terms contained within each section are in addition to the terms listed above. If any term of this
section is inconsistent with any term of the Bank Account Agreement above, the terms of this section shall
control with respect to matters relating to the Account.

Escrow Accounts

Common Features and Terms of Escrow Accounts An Escrow Account is an account that you
establish to hold funds in custody for a third party who is the beneficial owner of the funds. Customers Bank
offers two types of escrow accounts.

• The Escrow Standalone Account holds funds for a single client.
• The Escrow Master/Sub Relationship is designed for an escrow agent with multiple clients. Individual
  savings sub-accounts are opened and linked to a single master account.

Bank as Depository Our responsibility with respect to the Escrow Account is solely that
of a depository institution and not that of an escrow agent, trustee or other fiduciary, and you acknowledge
that we may, without inquiry, permit any or all funds deposited into the Escrow Account, together with interest
payable thereon, if any, to be withdrawn by you, the Escrow Agent.

Taxpayer Identification Numbers and Reporting of Interest Earned You are solely
responsible for the proper and accurate reporting of any interest earned on the Escrow Account, including any
sub-accounts, to the Internal Revenue Service (“IRS”). You acknowledge that the IRS requires us to obtain the
Taxpayer Identification Number (TIN) for the Escrow Agent at the time the Escrow Account is established and for
each Escrowee at the timea Sub-account is opened. You agree to provide these TINs by furnishing the Bank with an
IRS form W-9 signed by the Escrow Agent, with respect to the Escrow Agent’s TIN, and by each Escrowee, with
respect to that Escrowee’s TIN or the appropriate form W-8 if the Escrowee is not a U.S. person as defined by
IRS regulations. You acknowledge that the only person who may legally sign the Form W-9 or W-8 is the beneficial
owner of the escrowed funds, and you represent and warrant to us that you shall not cause it to be signed by any
person other than the beneficial owner. You shall also provide us, promptly upon our request, with any and all
information and documentation that we in our sole judgment deem necessary in order to verify the escrow
relationship, your identity, and the identity of each beneficial owner. You agree that all interest earned on
the Escrow Account will be accrued for the benefit of and paid to the beneficial owner as required by applicable
law, except for deductions that you may lawfully be permitted to make.

Compliance with Law You acknowledge that you are not permitted to, and you represent and
warrant to us that you shall not, commingle your own funds or the operating funds of your business with the
funds of the beneficial owner, at any time during the term of this Agreement, even temporarily. You further
agree to transfer funds into and out of the Escrow Account, and conduct all other transactions relating to the
Escrow Account, only in strict and full compliance with applicable law. You acknowledge and agree that it is
your responsibility to fully inform yourself about applicable law and any changes thereto, including, without
limitation, applicable IRS laws and regulations.

IRS Form 1099-INT We will prepare for you the IRS Form 1099-INT, as required by
applicable law, for the interest earned by each beneficial owner, and we will mail the Form 1099-INT to the
address that you have specified for that purpose in our records. If you are furnishing the Form 1099-INT to the
beneficial owner, you agree that it shall be your sole responsibility to do so by the required IRS due date. If
any Form 1099-INT is returned to us for incorrect address or any other reason, it shall be your responsibility
to reconcile and appropriately resend or forward the Form 1099-INT to the beneficial owner.

Disputed Funds You agree that you will not deposit any disputed funds into the Escrow
Account, and that if any funds in the Escrow Account become disputed, we may restrict or release any or all of
such disputed funds, as we in our sole and absolute discretion deem appropriate.

Escrow Agent’s Warranties and Assumption of Liability The Escrow Agent represents and
warrants to the Bank that it has the authority to deposit and withdraw funds on behalf of each Escrowee to and
from the Escrow Account and assumes all responsibility and liability for ensuring that each Escrowee’s funds in
the Escrow Account are only transferred to an Account or Sub-account in the name of that Escrowee or disbursed
for the benefit of or on behalf of that Escrowee.

Reporting To The Lawyer’s Fund (IOLTA/IOLA) For Client Protection If the Escrow Agent is
an attorney or law firm and any check drawn on the Escrow Account is not paid by the Bank because of
insufficient available funds or because of any other reason required by applicable rules, then the Bank shall,
without notice to the Escrow Agent, report such dishonor to the Lawyers’ Fund for Client Protection and/or any
other organization or committee having the responsibility for disciplining lawyers in accordance with their
rules and provide the Fund, organization and/or committee additional information concerning the Escrow Account.
The Escrow Agent consents to the above, releases the Bank from any liability and agrees to indemnify the Bank
against any and all claims that a client of the Escrow Agent or anyone else may have as a result of such
notification and the providing of such information to the Fund, organization and/or committee. You are
responsible for keeping records of all client funds in the IOLTA/IOLA Account and for providing participation,
registration, and/or enrollment forms to us and to the appropriate State Board, in accordance with applicable
state law. Any interest earned on IOLTA/IOLA Accounts is tax-exempt, and therefore neither you nor the client
will be named as a recipient on any IRS Form 1099, and you are not required to prepare or file Form 1099.

Indemnification of Bank In addition to any indemnification of the Bank contained
elsewhere in this Agreement, the Escrow Agent agrees to indemnify, defend and hold harmless the Bank and its
agents from, and against, any and all claims, actions, lawsuits and other proceedings, and liabilities, losses,
costs, damages, penalties and expenses of any kind and nature which are incurred or sustained by the Bank as a
result of (i) the Escrow Agent depositing funds into the Escrow Account (ii) allocating Escrowee funds between
the Sub-accounts and Master Sub-account or withdrawing those Escrowee funds from the Master Account, (iii) the
Bank paying and reporting interest earned on the Sub-account or Standalone Escrow Account in the manner
requested by the Escrow Agent, and reporting that interest to the IRS as interest earned in the calendar year in
which the interest was credited to that Account, (iv) any Escrowee’s property exchange failing to qualify for
favorable tax treatment under U.S. federal or state tax law as a Deferred Exchange, (v) the Escrow Agent failing
to obtain a W-8, W-9 or substitute W-9 signed by the Escrowee, an incorrect or improperly signed W-8, W-9 or
substitute W-9 or the Bank paying and reporting interest earned on the Standalone Escrow Account or Sub-accounts
or (vi) the Escrow Agent or any System User failing to comply with this Agreement. This indemnification shall
survive the termination of this Agreement.

BUSINESS VISA CHECK CARD AND ATM CARD AGREEMENT

In this Agreement, the “Bank” means Customers Bank. “You” or “your” means the corporation, partnership, limited
liability company, limited liability partnership, unincorporated association, sole proprietorship, organization
or entity that obtains the Business Visa Check Card or the ATM card (the “Card”). By using your Card or by
permitting your employee, agent, representative or any other person to use it, you agree to the following: 1.
You represent and warrant to the Bank that the Card will be used only for business, commercial or agricultural
purposes and not for personal, family or household purposes. You agree that you are not a “consumer” within the
meaning of the Federal Electronic Fund Transfer Act (the “Act”) and Federal Reserve Regulation E (“Regulation
E”) and that the Act and Regulation E do not apply to any dispute arising between you and the Bank. 2. You will
only permit authorized persons to use the Card. You will exercise reasonable care in safeguarding the Card and
its Personal Identification Number (“PIN”). Under no circumstances will you either (a) permit the Card and/or
its PIN to be accessible to your employees or others who are not authorized to use the Card and PIN; (b) write
or affix the PIN on the Card or on any other document or material accessible to employees or others who are not
authorized to use the Card, or (c) make the PIN known to any Bank employee. All withdrawals and purchases made
by the use of the Card are conclusively deemed to be authorized by you. You hereby assume the entire risk of
loss resulting from unauthorized transactions or the unauthorized use of the Card. 3.You may use your Card at
ATMs bearing the NYCE® or PLUS® logos to: (i) withdraw cash from your accounts; (ii) make deposits to your
accounts, (iii) transfer funds between your accounts; (iv) determine the available balance in your accounts; (v)
pay for purchases at places that have agreed to accept the Card, and (vi) perform any additional services
offered by the ATM. Some of these services may not be available at all ATMs or terminals. For security reasons,
there are limits on the number and dollar amount of withdrawals and transfers you can make. 4. The Bank’s
current fees are listed in its Fee Schedule. You may also be charged a withdrawal fee (sometimes called a
“surcharge”) for cash withdrawals or other transactions at some ATMs. This fee or surcharge is imposed by the
ATM owner or operator and is beyond the Bank’s control. This charge will be in addition to any fees the Bank may
impose. 5. All deposits and payments placed in an ATM will be verified against the amount keyed in at the ATM.
If the amount entered is different from the contents found, the Bank will adjust the deposit or payment amount
to agree with the amount of cash and/or checks actually found in the ATM. Recent deposits may not be available
or appear available in response to a balance inquiry. 6. The Bank is not liable if an ATM fails to work or if a
merchant fails to process a transaction request. 7. You will notify the Bank promptly after the discovery that
either (a) unauthorized transactions have or may have been made through the use of the Card, (b) the Card and/or
PIN is missing or otherwise unaccounted for, or (c) the confidentiality of the PIN has been compromised. Notice
will be given by telephoning 1-866-476-2265 or by writing to Customers Bank, 40 General Warren Blvd. Suite 200,
Malvern, PA 19355. Notice will be deemed given when it is actually received by the Bank. 8. The Card is the
property of the Bank, is not transferable, may be revoked at any time and must be surrendered to the Bank upon
demand. 9. The Bank may amend this Agreement, effective 21 days after notice of the amendment is sent to you.
10.In the event of any inconsistency between this Agreement and the terms of the deposit account agreement
between you and the Bank, then the terms of this Agreement shall control. 11.This Card is issued in
Pennsylvania. All transactions and other matters concerning this Card are governed by Pennsylvania law without
giving effect to its principles of conflicts of law.

Automated Teller Machine (ATM) Services You understand that you may use your VISA Debit Card
(“Card(s)”) at an ATM to (1) withdraw cash from your account(s), (2) effect transfers between your account(s),
(3) make cash or check deposits at Customers Bank ATMs (4)receive information regarding the balance of your
account(s) (5) perform actions as we may expressly authorize. You may use ATMs throughout the United States
bearing the NYCE or PLUS system logos and in certain foreign countries which bear the NYCE or PLUS system logos
to (1) make withdrawals from, (2) effect transfers to or from, or (3) receive information regarding the balance
in your checking or savings account(s) linked to your Card designated as the primary account of such type on
your application form. There may be some limitations on transactions available at ATMs in foreign countries.

Fees and Charges for ATM Transactions For ATM transactions conducted at an ATM owned or
operated outside of the U.S., an International Service Assessment (ISA) fee will be assessed to your account,
equal to either .80% or 1.0% of the ATM transaction amount settled in U.S. Dollars.

ATM Fees When you use an ATM not owned by us, you may be charged a fee by the ATM operator
(“Surcharge fee”), and you may be charged a fee for a balance inquiry even if you do not complete a fund
transfer. Please note that if you use an ATM in a foreign country, there may be a difference in the withdrawal
amount from the amount deducted from your account based on the conversion rate used when conducting your
transaction and an International Service Assessment (ISA) fee may also apply.

Our VISA Debit Services In addition to the ATM Services described above, you may use the Visa
Debit Card to purchase goods and services (“Purchases”) at any retail, online, virtual, etc., establishment
(“Merchant”) where such Merchant accepts such Cards and participates in the Visa or NYCE payment networks, or
request a Cash Advance at a participating financial institution. If you use the Card(s) to make a Purchase or
Cash Advance, you shall be requesting us to withdraw funds in the amount of such Purchase or Cash Advance from
the account designated as the primary checking account linked to your Card and ordering us to pay such funds to
the Merchant and/or financial institution. See Holds section for additional information. You may or may not be
required to use your Personal Identification Number (“PIN”) for these transactions. For Purchase or Cash Advance
transactions conducted at any Merchant or Financial Institution owned or operated outside of the U.S., an
International Service Assessment (ISA) fee maybe assessed to your account, equal to .80% or 1.0% of the Purchase
or Cash Advance amount settled in U.S. Dollars.

Holds Regardless of the Card or Account used, we may place a hold on the funds available in the
account used for the transaction and any available overdraft protection account that may be necessary to cover
the transaction. The hold will be in the amount of the transaction request that has been submitted by the
payment network. These funds will not be available for withdrawal from your account in cash, for payment of
checks that you have written on your checking account, or for any other use during the period that the hold is
in effect. For most transactions, it can take up to five (5) calendar days after the transaction is conducted to
settle the transaction through the payment network and post the transaction to your account, however, a longer
period may be required.

Record of Transaction You may receive a printed receipt from each ATM location or Merchant at
the time of the transaction. You will receive a monthly statement showing the transactions made during the past
month and any charges that were imposed for such services or transactions.

Terminal Transfers You can get a receipt at the time you make a transfer to or from your
account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the
amount of the transfer is $15 or less.

Foreign Transaction-Currency Conversion When you use your Visa-branded debit card at a merchant
that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The
currency conversion rate used to determine the transaction amount in US dollars is either: A rate selected by
Visa from the range of rates available in wholesale currency markets for the applicable central processing date,
which rate may vary from the rate Visa itself receives; or The government-mandated rate in effect for the
applicable central processing date in each instance, plus 1%. The conversion rate in effect on the processing
date may differ from the rate in effect on the transaction date or processing date. This 1% adjustment is made
for all international transactions regardless of whether there is a currency conversion associated with the
transaction.

Visa® Account Updater (VAU) Program – Effective August 1, 2020 Customers Bank Personal and
Business Debit Card customers who use their Debit Card for monthly or periodic payments are automatically
enrolled in a program offered through Visa named, Visa Account Updater (VAU). Visa will automatically and
securely send your updated card number and expiration date to participating VAU merchants that you have a
relationship with when your debit card is renewed or reissued and activated. The service reduces the chance of
service disruptions on recurring debit card transactions when cards on file with a merchant expire or are
reissued. If you wish to opt out of this service, please contact your branch or call 866-476-2265 to speak to a
Customers Bank representative.

Limitations on the Uses of Consumer VISA Debit and ATM Card All limits expressed in this
section are daily limits. The day for purposes of applying these limits starts at 12:00 am and ends at 11:59 pm
EST each calendar day.

Funds Availability Disclosure

We provide you with timely access to your funds that you deposit in your checking account in accordance with the
Expedited Funds Availability Act (“EFA”), which is implemented by the Federal Reserve Board to establish maximum
check clearing guidelines.

Determining the Availability of a Deposit The length of the delay in availability is counted in
business days from the day of your deposit. Every day is a business day except Saturdays, Sundays and bank
holidays. If you make a deposit during regular branch hours on any business day, we will consider that day to be
the day of your deposit. However, if you make a deposit after regular branch hours or on a day we are not open,
we will consider that the deposit was made on the next business day we are open. The length of the delay varies
depending on the type of deposit as explained below. Our funds availability policy complies with Federal Reserve
Board Regulation CC, which shall apply in the event of any dispute or inconsistency.

Same-Day Availability Funds from the following sources are available on the same business day
as the day we receive your deposit:

• Cash
• Electronic direct deposits (ACH)
• Wire transfers
• Checks drawn on Customers Bank

Next-Day Availability If you make a deposit in person and present it to one of our employees,
funds from the following sources are available on the next business day after the day we receive your deposit:

• Cashier’s, certified and teller’s checks payable to you
• Government checks payable to you
• Other check deposits that are payable to you

If your deposit is not made in person to one of our employees (for example, if you mail the deposit or remotely deposit checks payable to you), funds from these deposits will usually be available no later than the next business day after the business day on which the deposit is received, but remotely deposited checks may take longer to validate and process.

ATM Funds Availability If you make a deposit at an ATM before 7:00 p.m. on a business day that
we are open, we will consider that day to be the day of deposit and the funds will be available for withdrawal
on the first business day thereafter. However, if you make a deposit at a Customers Bank ATM after 7:00 p.m. or
on a day we are not open, we will consider that the deposit was made on the next business day we are open and
the funds will be available for withdrawal on the first business day after that. Note: Transactions conducted on
non-business days are considered to have been made on the following business day. For instance, 12:00 a.m.
Saturday through 11:59 p.m. Monday is considered to be a single business day and any transactions conducted
during that time are considered to have been done on Monday’s date.

Longer Delays May Apply We may delay your ability to withdraw funds deposited by check into
your account an additional number of days for these reasons:

• You deposit checks totaling more than $5,525 on any one day
• You redeposit a check that has been returned unpaid
• You have overdrawn your account repeatedly in the last six months
• We believe a check you deposit will not be paid
• There is an emergency, such as failure of computer or communications equipment

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you
when the funds will be available. They will generally be available no later than the seventh business day after
the day of your deposit.

Special Rules for New Accounts If you are a new customer, the following special rules will
apply during the first 30 days your account is open:

• Funds from electronic direct deposits to your account will be available on the day we receive the
  deposit.
• Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of
  cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be
  available on the first business day after the day of your deposit, if it meets certain conditions. For
  example, the checks must be payable to you. The excess over $5,525 will be available on the second
  business day after the day of your deposit.
• If your deposit of these checks (other than U.S. Treasury check) is not made in person to one of our
  employees, the first $5,525 will not be available until the second business day after the day of your
  deposit.
• Funds from deposits of checks drawn on Customers Bank will be available on the same business day as the
  day of your deposit.
• Other check deposits not covered in the above categories will be available on the seventh business day
  after the business day of deposit.

Substitute Checks and Your Rights To make check processing faster, federal law permits banks to
replace original checks with “substitute checks.” These checks are similar in size to original checks with a
slightly reduced image of the front and back of the original check. The front of a substitute check states:
“This is a legal copy of your check. You can use it the same way you would use the original check.” You may use
a substitute check as proof of payment just like the original check. Some or all of the checks that you receive
back from us may be substitute checks. This notice describes rights you have when you receive substitute checks
from us. The rights in this notice do not apply to original checks or to electronic debits to your account.
However, you have rights under other law with respect to those transactions. In certain cases, federal law
provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is
posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we
withdrew money from your account more than once for the same check). The losses you may attempt to recover under
this procedure may include the amount that was withdrawn from your account and fees that were charged as a
result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is
limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are
entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss
exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If
you use this procedure, you may receive up to $2,500 of your refund plus interest if your account earns interest
within 10 business days after we received your claim and the remainder of your refund plus interest if your
account earns interest not later than 45 calendar days after we received your claim. We may reverse the refund
including any interest on the refund if we later are able to demonstrate that the substitute check was correctly
posted to your account. If you believe that you have suffered a loss relating to a substitute check that you
received and that was posted to your account, please contact us at Customers Bank, Customer Service, 40 General
Warren Blvd. Suite 200, Malvern, PA 19355 or call 866-476-2265, Monday through Friday from 8:00 am to 5:00 pm
EST. You must contact us within 40 calendar days of the date that we mailed or otherwise delivered by a means to
which you agreed the substitute check in question or the account statement showing that the substitute check was
posted to your account, whichever is later. We will extend this time period if you were not able to make a
timely claim because of extraordinary circumstances. Your claim must include —

• A description of why you have suffered a loss (for example, you think the amount withdrawn was
  incorrect);
• An estimate of the amount of your loss;
• An explanation of why the substitute check you received is insufficient to confirm that you suffered
  loss; and
• A copy of the substitute check [and/or] the following information to help us identify the substitute
  check: (identifying information, for example the check number, the name of the person to whom you wrote
  the check, the amount of the check).