PASSPORT ACCOUNT AGREEMENT

1.1. Your Consent to Electronic Communications and Electronic Signatures

To the fullest extent permitted by law, this Agreement, any application, privacy policies, account statements, notices, legal and rate disclosures for your Passport Account, including, but not limited to, those made pursuant to the Electronic Fund Transfer Act/Regulation E or the Truth in Savings Act/Regulation DD, updates and changes to this Agreement, end-of-year tax forms, other service agreements, and other communications (collectively, "Communications") from us to you regarding your Passport Account and related services provided by us may be provided to you electronically.

1.2. Methods of Providing Communications

Unless otherwise required by applicable law, or Priority otherwise agrees, Priority may provide Communications to you by:

• (a) posting them on the Passport Website;
• (b) notifying you through your statements;
• (c) sending a text message to the mobile phone number listed in your Account profile;
• (d) sending an email to the email address in our record; or
• (e) delivering them in another electronic format.

1.3. Electronic Signatures

Priority may execute Communications electronically. If Priority requests, you will execute Communications electronically. You also agree that Communications you or Priority sign electronically will have the same legal effect as a signed physical document.

1.4. Hardware and Software Requirements

In order to access, view, sign and retain electronic Communications that Priority provides to you, you must have:

• An up-to-date device (e.g., computer, tablet, or mobile phone) which has internet access;
• A current, compatible web browser;
• A valid email account;
• An operating system capable of receiving, accessing and displaying Communications in electronic form;
• If you wish to store or print any Communications, a device capable of storing and printing Communications.

1.5-1.10. Additional Terms

The complete agreement includes terms regarding accessibility, withdrawing consent, requesting paper copies, updating contact information, U.S. federal law compliance, and statements. For the full text of these sections, please contact us at the information below.

2.1. Eligibility

The Commercial Accounts are available to legal entities with an Employer Identification Number and individuals who are at least 18 years old (or older if residing in a state where the majority age is older), have a Social Security Number or Individual Taxpayer Identification Number and have a street address in the U.S., the U.S. Territories, or U.S. Jurisdictions.

All deposits and withdrawals must be in U.S. dollars only. You must agree to accept electronic, rather than paper, statements as provided in Section 1 above.

2.2. Joint Accounts

For Consumer Accounts, the Account can be a "Joint Account," which is owned by two or more people (up to four people per account). Each Account Owner has access to the Joint Account and may take any action or initiate any transaction.

2.3. Authorized Signers

Commercial Accounts may have "Authorized Signers," who are persons with authority to act on your behalf.

2.4. Important information about procedures for opening a new Passport Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

Your Liability

Tell us AT ONCE if you believe your access credentials have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. The best way to keep your possible losses down is to contact us immediately.

Error Resolution

Contact us as soon as possible if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

6.1. Account Fees

Fees applicable to your Account are set forth in the Rate Sheet provided to you when you open your Account.

6.2. Account Closure

We may close your Account at any time, with or without cause, by giving you notice. You may also close your Account at any time by contacting us.

6.3-6.11. Additional Terms

The complete agreement includes terms regarding transaction limits, disputes, amendments, applicable law, waiver, severability, assignment, privacy, and customer service contact information.