I (We) have read the Terms and Conditions controlling the use of the ATM and ChekCard and agree that my (our) use of the
ATM / ChekCard will be governed by those Terms and Conditions. It is further agreed that use of the ATM / ChekCard will be
governed by the Rules and Regulations of the card issuing institution, as amended from time to time, that are applicable to the
account indicated. I (We) acknowledge and agree that if I do not meet the eligibility requirements for a ChekCard, I (We) may
be eligible for, and if so, will receive an ATM Card.