Direct Services Agreement

Personal accounts — Terms & Conditions

This agreement (the “Agreement”) outlines the terms and conditions governing the Depositor's use of Direct Services (defined below). The Financial Institution does not offer Direct Services other than in accordance with these terms and conditions. By requesting and using Direct Services, the Depositor acknowledges their acceptance of these terms and conditions.

In consideration of the Financial Institution providing access to any of the Depositor's Accounts using Direct Services, the Depositor agrees as follows:

Direct Services Agreement

Personal Accounts — PFM schedule for consent and diclosure for PFM service ("PFM Special Terms")

Schedule 1 — Mandatory provisions for customer agreement

Personal Membership Agreement