This account will be opened as a: SINGLE-PARTY ACCOUNT WITHOUT "P.O.D."

(PAYABLE ON DEATH) DESIGNATION. The party to the account owns the account. On the

death of the party, ownership of the account passes as a part of the party's estate under

the party's will or by intestacy.

By continuing, you acknowledge that the type of account may determine how property

passes on your death.

Account Information 

Consumer Demand Deposit Account 

Account Title and Address 

Name of the individual confirming acceptance of account agreement. 

Address verified during KYC approval. 

Account Open Date 

Date of account confirmation. 

Account Number 

Account number provided after account confirmation.  

Ownership Type 

Single-party account without P.O.D. (Payable on Death) Designation. 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law  requires financial institutions to obtain, verify, and record information that identifies each person  who opens an account. 

What this means for you: When you open an account, we will ask for your name, address, date of  birth, and other information that will allow us to identify you. We may also ask to see your driver’s  license or other identifying documents. 

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Acknowledgement: By accepting this document, you acknowledge that you have opened the type of  account designated above.  

Your acceptance acknowledges the receipt of the applicable Account Agreement for the type of  account designated above and that you agree to be bound by said Agreement. You also acknowledge  that you have received the following disclosures/notices: 

• E-Signature Agreement 

• Modak Privacy Policy  

• Modak Terms and Conditions 

• Single-Party Account 

• Truth-in-Savings Disclosure 

• Fee Schedule 

• Demand Deposit Account Agreement 

• Legend Bank Privacy Statement 

• Modak Electronic Communications Agreement 

• U.S. Patriot Act Notice 

Taxpayer Identification Number Certification (TIN Certification) 

Under penalty of perjury, I certify that:  

1. The taxpayer identification number provided and verified during KYC is my correct taxpayer  identification number (or I am waiting for a number to be issued to me), and 

2. I am not subject to backup withholding because: (A) I am exempt from backup withholding,  or (B) I have not been notified by the Internal Revenue Service (IRS) that I am subject to  backup withholding as a result of a failure to report all interest or dividends, or (C) the IRS has  notified me that I am no longer subject to backup withholding, and 

3. I am a U.S. citizen or other U.S. person (defined in the instructions for the IRS Form W-9), and 

4. The FATCA code(s) entered on this form (if any) indicating that I am exempt from FACTA  reporting is correct.  

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The IRS does not require your consent to any provision of this document other than the certifications  required to avoid backup withholding.

Rate Information, Compounding and Crediting, Balance Computation Method, Balance  Computation Method and Accrual of Interest on Noncash Deposits

This account is a non-interest bearing account. No interest will be earned or compounded.  

Minimum Balance Requirements 

To Open the Account: No minimum balance is required to open or obtain the account.  To Avoid Impositions of Fees: This account has no fees.  

To Obtain the Annual Percentage Yield: This account is a non-interest bearing account.  

Fees  

The following fees may be assessed against your account: See included fee schedule.  

Transaction Limitations 

The minimum amount you may deposit is $ 0.00  

The minimum amount you may withdraw is $ 0.00  

Bonuses

This account does not earn a bonus at account opening.  

Additional Account Terms 

There are no additional account terms.