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It is unlawful for any person, firm, or corporation to draw, make, utter, issue, or deliver to another any check, draft, or other written order on any bank or depository, or to use a debit card, for the payment of money or its equivalent, knowing at the time of the drawing, making, uttering, issuing, or delivering such check or draft, or at the time of using such debit card, that the maker or drawer thereof has not sufficient funds on deposit in or credit with such bank or depository with which to pay the same on presentation; except that this section does not apply to any check when the payee or holder knows or has been expressly notified prior to the drawing or uttering of the check, or has reason to believe, that the drawer did not have on deposit or to the drawer’s credit with the drawee sufficient funds to ensure payment as aforesaid, nor does this section apply to any postdated check. It is unlawful for any person, firm, or corporation to obtain any services, goods, wares, or other things of value by means of a check, draft, or other written order upon any bank, person, firm, or corporation, knowing at the time of the making, drawing, uttering, issuing, or delivering of such check or draft that the maker thereof has not sufficient funds on deposit in or credit with such bank or depository with which to pay the same upon presentation. A violation of the provisions of this subsection constitutes a misdemeanor of the first degree, punishable as provided in s. 775.083, unless the check, draft, debit card order, or other written order drawn, made, uttered, issued, or delivered is in the amount of 0, or its equivalent, or more and the payee or a subsequent holder thereof receives something of value therefor. However, no crime may be charged in respect to the giving of any such check or draft or other written order when the payee knows, has been expressly notified, or has reason to believe that the drawer did not have on deposit or to the drawer’s credit with the drawee sufficient funds to ensure payment thereof. As used in this section, the term “debit card” means a card, code, or other device, other than a check, draft, or similar paper instrument, by the use of which a person may order, instruct, or authorize a financial institution to debit a demand deposit, savings deposit, or other asset account.

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IF A DISPUTE ARISES BETWEEN US, YOU OR WE MAY REQUIRE THAT IT BE RESOLVED THROUGH ARBITRATION, RATHER THAN THROUGH JURY TRIAL Unless otherwise expressly agreed in writing, our relationship with you will be that of debtor and creditor.By opening your account, by conducting any transaction involving your account, or by maintaining your account after receipt of this Agreement, you agree to the terms in this Agreement.This Agreement includes not only this document but also your signature card, the Consumer Products Terms and Conditions Booklet, your Relationship Summary Form and the Miscellaneous Fees and Charges Disclosure.The dividend rate and annual percentage yield will be the same we offer on new time accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original certificate account.You will have a grace period of seven calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.If an account is added to the Accounts of Your Household, any impact on Household Calculations may not take effect until the following quarter. The Cash Features Program permits you to earn income while you decide how those funds should be invested longer term.