Deposits

Deposit Account Agreement and Disclosure

Shelter Financial Bank
1817 West Broadway
Columbia, Missouri 65218
800-251-7115

General Information

Introduction: This agreement and disclosure document will refer to each of the deposit account holder(s) as "you and your", and will refer to Shelter Financial Bank as "we, our, or us". This agreement and disclosure contains the terms and conditions governing your deposit accounts with us. In this document, the term "agreement" means this document as well as the Truth in Savings Disclosure and other documents supplied to you when this account is opened. Each of you are owners or signers for a deposit account, and anyone renewing a Certificate of Deposit, or anyone continuing to maintain a Money Market Account after receiving this notice, acknowledges receipt of this agreement and agrees to the terms and conditions set forth herein, or as amended from time to time. You also agree that we may waive, in our sole discretion, any fee, charge, term or condition in this agreement on a one time basis or for a limited period of time without changing the terms of the agreement or your obligation to be bound by the agreement, that we are not obligated to provide any similar waivers thereafter, and that we do not waive our rights to enforce the terms of this agreement.

Information Gathered to Open an Account: To help the government fight terrorist and money laundering activities, Federal Law requires that we obtain, verify, and record information on the identity of each person opening an account. We will ask for your name, address, date of birth, driver's license or other government issued picture identification card, and other information.

Deposit Rules: Deposits are only accepted by mail, electronic submission via our website, wire transfer or walk-ins at the bank's physical location on West Broadway in Columbia, Missouri. We have not authorized any person, agent, or entity to accept or receive deposits on our behalf. We are not responsible for transactions by mail or any other means until they are actually received at our office in Columbia, Missouri and recorded. We will open your account when we have received all of the forms from our web application, verified your identity, approved your application, and received the funds for the account. We will begin to pay interest on your account the day the funds arrive for your account. We will treat and record all transactions received after our daily "cutoff time" on a day we are open, or received on a day we are not open, as if initiated on the next following business day that we are open. We will give only provisional credit until collection is final for any items, other than cash, that we accept for deposit (including items drawn on us). We do not accept deposits or payments in foreign currency. We accept deposits and payments only in U.S Dollars or U.S. Dollar denominated instruments. All checks and other items deposited to your account should be endorsed payable to the order of us for deposit only, followed by your signature and account number. All endorsements must appear on the back of the check or other deposit item within the first 1.5 inches from the left side of the item when viewing the item from the front. While we may accept non-conforming endorsements, you will be responsible for any loss incurred by us due to a delay in processing or returning the item for payment. If you elect to have automatic, direct, or pre-authorized deposits of government benefits or automatic transfers from your other accounts with us, you must notify us at least 30 days prior to the next scheduled direct deposit or pre-authorized transfer if you wish to cancel this service.

Power of Attorney: The person executing a power of attorney is referred to as "principal", and the person acting for the principal is referred to as "agent". We may refuse to comply with a power of attorney for reasonable causes, or until we receive an affidavit from the agent stating that the power of attorney presented is a true copy and that, to the best of the agent's knowledge, the principal is alive and the relevant powers of the agent have not been altered or terminated.

Assignability: Any account established under this agreement is not assignable or transferable except with our written consent. We must approve any pledge of the account in writing and any such pledge remains subject to any right we have under the agreement and applicable state and federal law.

Shelter Financial Bank Liability: You agree that if we do not properly complete a transaction according to the agreement, we will not be liable in any event for losses or damages in excess of the amount of the transaction, and we will not be liable if circumstances beyond our control prevent the transaction, or the funds in your account are or may be subject to legal process or other claim. In no event will we be liable for consequential damages. In receiving items from you for withdrawal or deposit, we act only as your agent. You are responsible for the condition of a check or item when you issue it. If a check or item is returned or payment is delayed as a result of any writing or marking that you or a prior endorser placed on the check or item, you are responsible for any costs or liabilities associated with return or delay. We reserve the right to refuse any item for deposit or to reverse credit for any deposited items or to charge your account for items should they be lost in the collection process.

Right of Setoff: Subject to applicable law, we may exercise our right to setoff or security interest against any and all of your accounts (except IRA and trust accounts) without notice, for any liability or debt of any of you, whether joint or individual, whether direct or contingent, whether now or hereafter existing, and whether arising from overdrafts, endorsements, guarantees, loans, attachments, garnishments, levies, attorney's fees, or other obligations of any sort. If the account is a joint or multiple party account, each joint or multiple party account holder authorizes us to exercise our right of setoff against any and all accounts of each account holder.

Account Statements: You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Your periodic statement will be considered correct for all purposes and we will not be liable for any payment made and charged to your account unless you notify us in writing within the time limits noted herein after your statement is made available to you. We will not be liable for any check that is altered or any signature that is forged unless you notify us within 30 days after the statement is made available. Also, we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within 10 days after the statement is made available. Except for transactions covered by the Electronic Funds Transfer Act, you must also report any other account problems within 30 days or lose your right to assert the problem against us. Your original checks will not be returned to you. You agree that our retention of checks does not alter or waive your responsibility to examine your statements, nor does it change the time limits for notifying us of any errors.

Wire Transfers and ACH Transactions: With respect to wire transfers or other transfers of funds not governed by the Electronic Funds Transfer Act, you agree to enter into and comply with our wire transfer policies. We advise you that any receiving financial institution (including us) is entitled to rely on any account or savings bank number you have provided even though that account or savings bank number may identify a party different than the party you have described by name in any transfer order. Credit given by us to you with respect to an ACH credit or wholesale wire transfer is provisional until we receive final settlement for such transaction through a Federal Reserve Bank. If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to your account, and the party making payment to you via the transaction shall not be deemed to have paid you the amount of the transaction. We will notify you of the receipt of payments in your periodic account statement. You acknowledge that we will not give next day notice to you of an ACH or wire transfer.

Bank Notice of Amendment or Account Changes: You agree that we may amend the terms and conditions of this agreement, including without limitation, all rates, fees, and charges, at our sole discretion, from time to time. We will notify you of amendments as required by applicable law. Your continued use of the account evidences your agreement to any amendment. Notices will be sent to the most recent address shown on your account records. Only one notice will be given in the case of joint account holders.

Customer Notice of Account Changes: Any account holder or person authorized to sign on an account is required to notify us in writing if any account holder or other person authorized to sign on an account dies or is declared incompetent. It is your responsibility to notify us of any change in your name or address. We are required to honor items drawn only on the listed account name. Further, we are required to attempt to communicate with you only at the most recent address provided to us.

Account Closing: Authorized signers and we agree that either of us may close your account and terminate this agreement at any time with or without cause. We will provide you written notice if we decide to terminate your account relationship for any reason other than abuse of the account relationship or to prevent a loss. In either circumstance, you agree that notice from us will be reasonable if it is mailed to your statement mailing address immediately upon account closure. Authorized signers may close any of your accounts by notifying us in writing. When a Money Market Account is closed, there may be accrued interest that has not yet been credited to your account. In this case, you will not be paid the accrued but unposted interest. After the account is closed, we have no obligation to accept deposits or pay any outstanding checks. You agree to hold us harmless for refusing to honor any check drawn on a closed account. In the event that we close your account, we may mail you a check for the applicable remaining balance. The termination of this agreement and the closing of an account will not release you from any fees or other obligations incurred prior to the date upon which this agreement is terminated and an account closed, any fees assessed by us in the closing process, or from your responsibility to maintain sufficient funds in an account.

Governing Law: This agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of Missouri in which we are located and where your account was opened. You agree that if there is any inconsistency between the terms of the agreement and any applicable law, regulation, or rule, the terms of the agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement.

Credit Verification: You authorize us to request and obtain one or more credit reports about you from one or more credit reporting agencies for the purposes of considering your application for the account, reviewing or collecting any account opened by you, or for any other legitimate business purpose. You authorize us to disclose information about your account to a credit reporting agency if your account is closed because you abused it.

Miscellaneous Provisions: You agree not to use the account in any illegal activity. We shall be entitled to act upon any legal process served upon us that we reasonably believe to be binding, with no liability to you for doing so. If you ask us to follow instructions that we believe might expose us to any claim, liability, or damages, we may refuse to follow your instructions or may require a bond or other protection, including your agreement to indemnify us. You agree to be liable to us, to the extent permitted by law, for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding involving your account. You authorize us to deduct any such loss, cost, or expense from your account without prior notice to you, or to bill you separately. Any action by us for reimbursement from you for any costs or expenses may also be made against your estate, heirs, and legal representatives, who shall be liable for any claims made against and expenses incurred by us. If a court finds any provision of this agreement to be invalid or unenforceable, such finding shall not make the rest of the agreement invalid or unenforceable. If feasible, any such offending provision shall be modified to be within the limits of enforceability or validity; however, if the offending provision cannot be modified, it shall be stricken and all other provisions of the agreement in all other respects shall remain valid and enforceable.

Account Ownership and Beneficiary Designation: We make no representations as to the appropriateness or effect of ownership and beneficiary designations, except as they determine to whom we pay the account funds. You should consult an attorney if you do not understand the implications of the account ownership you select. We accept the following types of accounts:

An individual account is an account in the name of one person.
Joint account with survivorship is an account in the name of two or more persons. Each person intends that when they die the balance in the account (subject to previous pledges) will belong to the remaining person(s) on the account. If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Revocable Trust or Payable on Death Account (not subject to the Nonprobate Transfer Law of Missouri) - If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless all persons creating the account die, and, the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own the account in equal shares, without right of survivorship. The person(s) creating either of these account types reserves the right to change beneficiaries, change account types, and withdraw all or part of the account funds at any time.

Money Market Accounts

Interest Rates: Your initial interest rate is the rate disclosed to you in a separate Truth in Savings Disclosure. We will change the rates on your Money Market Account from time to time, at our sole discretion. Your rate can also be affected by fluctuations in your account balance. Larger account balances typically earn higher interest rates. The specific interest rates for each tier are published on our web site (www.shelterbank.com).

Interest Calculations and Payments: We will pay interest on your account at the annual rate specified on our rate sheets published on our web site (www.shelterbank.com) from time to time. Interest on your account will be calculated using the daily balance and the actual / actual simple interest method. Interest will be compounded daily and credited to your account monthly.

Minimum Balance Requirements: You will earn interest on any day that you have an ending ledger balance of $500.00 or greater. If your account balance falls below $500.00 at any time during a month, you will be assessed a monthly service charge of $5.00.

Withdrawal Rules: You agree that any of the authorized signers, acting alone, may withdraw or transfer all or any part of the account balance at any time. Each of you authorizes each other signer to endorse any item payable to you or your order for deposit to this account or to any other transaction with us. Federal regulations require that we retain the right to require you to give at least (7) days notice in writing prior to any intended withdrawal from a Money Market Account. Although we usually pay withdrawals or checks without notice on these accounts, doing so does not mean that we give up this right. We may refuse to accept any check other than standard checks we provide. We do not have to allow you to make a withdrawal from your account or honor a check presented against your account if you do not have sufficient funds available in the account to cover the full amount of the withdrawal or check. You agree that if there are funds available to cover some, but not all, of the withdrawals, checks presented, or other charges to your account at any given time, then we may post those withdrawals, checks, or other debits for which there are sufficient available funds in any order we choose at our sole discretion. A service charge may be assessed on any item that will overdraw the available account balance, regardless of whether we pay or return the item. You agree to immediately, upon notice, deposit funds sufficient to cover any overdraft and service charges, if required. We will not be liable for the dishonor of any item when the dishonor occurs because we setoff a debt against your account.

Maximum Withdrawals Per Month: Authorized signers may make no more than 6 withdrawals or transfer transactions (withdrawals) of any type from your account during any month. If you exceed 6 withdrawals per month, your account may be subject to closure by us, or we may take away or limit your capability to make withdrawals. If you exceed the maximum number of withdrawals in any given month, you will also be charged $25.00 per excess transaction.

Post-Dated Items: You agree not to write checks bearing a future date. If you do, and the check is presented for payment prior to the date on the check, we may pay it or return it unpaid. You agree that if we pay the check, the check will be posted to your account on the day we pay the check, even though the posting date is prior to the date of the check. You further agree that we are not responsible for any loss to you in doing so.

Preauthorized Drafts: If you voluntarily give information about your account (such as the routing number, or account number) to a party that is seeking to sell you goods or services, and you do not physically deliver a check to the party, then you agree that any debit to your account initiated by the party is deemed authorized by you.

Electronic Check Conversion: Authorized signers may authorize a merchant to use your check as a source of account information to initiate an electronic withdrawal from your account. The merchant uses the check information, along with the transaction amount, to initiate an ACH debit transaction. The transaction is electronically transferred through the ACH system and the funds will be debited directly from your account and deposited into the merchant(s) account. After the information is gathered from the check, the merchant should mark the check void and return it to you. You should sign and receive a receipt documenting the transaction. This type of transaction will generally result in funds being removed from your account faster than a normal check transaction. A description of the transaction will appear on your account statement from us.

Check Legends: We may disregard information on any check or item other than the signature of the drawer, the identification of the drawee financial institution and payee, the amount, the endorsements, and any other information that appears on the MICR line. In addition, we are not responsible to take action on, or for failure to notify you of restrictive language placed on checks or other items, including but not limited to term such as "void after 90 days", "Paid in full", "Two signatures required", "void over $100", or similar statements.

Re-presented Checks: Checks electronically re-presented by a merchant due to insufficient or uncollected funds are not covered by the Electronic Funds Transfer Act. These checks will not be included in your account statement.

Stale checks: We reserve the right to pay or not pay a check that is 6 months old without prior notice to you.

Signatures: You recognize that we have adopted automated collection and payment procedures so that we may process the greatest volume of items at the lowest possible costs to our customers. You agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for the sight examination of items with a face amount below an amount specified by us from time to time. You authorize us to store and use signature card information in any reasonable form we deem necessary, including any digitized signature capture process. If you use a facsimile signature or other form of mechanically reproduced signature (such as, but not limited to, desktop publishing, digitized, or computer software generated signature), you agree that you shall have the sole responsibility for maintaining security of the facsimile or mechanically reproduced signature and the device by which the facsimile or mechanically reproduced signature is affixed and you shall bear the entire risk for unauthorized use thereof whether or not you are negligent. You agree that no facsimile or mechanically reproduced signature we have been authorized to honor may be considered a forgery or an unauthorized signature, but that such facsimile or mechanically reproduced signature shall be effective as your signature or endorsement whether or not you have been negligent. You further agree to indemnify and hold us harmless from and against any and all loss, costs, damage, liability, or exposure (including reasonable attorney's fees) we or you may suffer or incur as a result of the unlawful use, unauthorized use, or misuse by any person of any such facsimile or mechanically reproduced signature or device by which it is affixed. If you use any form of facsimile or mechanically reproduced signature device, you agree to deliver a sample to us if we request.

Stop Payment Orders: Subject to certain limitations, authorized signers may order us to stop payment on any check or other item payable from your account, whether drawn by you or any other account holder. The stop payment request will be effective if we receive the order at such time and in such a manner as to afford us a reasonable opportunity to act upon the order. All stop payment orders are effective for 14 days if received orally, and may be extended to 6 months if confirmed in writing prior to the end of the 14 day period. We require you to provide us with the date, amount, number of the item, and the name of the payee. If you give us incorrect information, we will not be liable for failing to stop payment on the item. Our acceptance of a stop payment order will not constitute a representation that the item has not already been paid or that we have a reasonable opportunity to act upon the order. You may not stop payment on an item after acceptance of the item by us. You may not stop payment on an official, certified, cashier's, or teller's check issued by us.

Overdrafts, Fees and Charges: Each of the deposit accounts we offer is subject to the terms and conditions detailed in this agreement. Each of you agree to be subject to the fees and charges associated with this account at opening, or as we may change them from time to time at our sole discretion. We will notify you of any changes, to the extent required by law. Each of you will be jointly and severally liable to us for debit balances in each account, including without limitation overdrafts and account fees and charges. Whether or not we pay an item that could result in an overdraft, you will be service charged according to our fee schedule. Each of you jointly and severally promise to pay such overdrafts, charges, or fees upon demand, as well as our reasonable attorney's fees and expenses of collection, including but not limited to any incurred at trial and on any appeal, and authorize us to charge your account for their payment whether or not each charges results in an overdraft of your account.

Certificates of Deposit

Interest Rates and Renewals: We will pay interest on your Certificate of Deposit, during its initial term, at the rate disclosed to you in a separate Truth in Savings Disclosure. At maturity, your Certificate of Deposit will automatically renew for another term equal to the original term, unless you either withdraw your funds or instruct us otherwise. The rate on your Certificate of Deposit will change upon renewal to our then current rate for the maturity offered. Our deposit rates can be obtained from our web site at www.shelterbank.com, or by calling us at 1-800-251-7115. You have 10 calendar days from the maturity date to withdraw funds without penalty. Interest will be paid during this 10 day period at the then current rate only for certificates that renew.

Interest Calculations and Payments: We will calculate interest on your Certificate of Deposit using the daily balance and the actual / actual simple interest method. Interest will be compounded daily and credited to your account monthly unless you request a different crediting frequency. Depending upon the specific type of Certificate of Deposit you own, we may allow you to have your monthly interest sent to you via check, credited to another account with Shelter Financial Bank, or sent electronically via ACH to an account at another financial institution. The "Annual Percentage Yield", in accordance with government regulations, assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Deposit Rules: After your Certificate of Deposit is opened, you may not make additional deposits into the certificate, unless that certificate specifically allows. At maturity, you or we may close the account without advance notice.

Early withdrawal Penalties:
We can offer you high rates on your Certificates of Deposits because you have agreed to keep the full amount with us until maturity.

We do not let you withdraw money from your account before maturity without a penalty. This includes cases where any or all of the account holders die or are determined legally incompetent by a court or other administrative body of competent jurisdiction. However, if you make a partial withdrawal from your certificate of deposit, we will only charge an early withdrawal penalty on the amount withdrawn.

On accounts with terms of less than 24 months	90 days interest
On accounts with terms of 24 months to less than 36 months	180 days interest
On accounts with terms of 36 months to less than 48 months	270 days interest
On accounts with terms of 48 months to less than 60 months	365 days interest
On accounts with terms of 60 months or greater	730 days interest

Service Charge and Fee Schedule

Money Market Accounts

Service Charge - $5 during statement cycle if the balance falls below $500
Excessive Transaction Fee - $25 per each debit transaction in excess of 6 per statement cycle
Insufficient Funds Fee - $25 per item
Stop Payment Fee - $25 per item

Certificates of Deposit

If you withdraw monies from your Certificate prior to the maturity date, an early withdrawal penalty will be accessed based on the term of the CD.

All Deposit Accounts

Return Item Fee (charged if a check you give us as a deposit is returned - $5
Wire Transfer Fees (outgoing) - $25
Account research fee - $15 per hour
Garnishment Fee - $25 per occurrence
Overnight Mail Fee - $15

Electronic Funds Transfers Disclosure

This agreement and disclosure is made in compliance with federal laws regulating electronic funds transfer (EFT) services. We are capable of handling the EFT's listed below. Please read this Disclosure carefully, as it tells you your rights and responsibilities for these transactions. Please keep this notice for future reference.

Prearranged Transfers: Authorized signers may make arrangements for certain direct deposits to be made into your Money Market Account. Authorized signers may make arrangements to pay certain recurring bills from your Money Market Account (subject to 6 transactions per month limit).

Electronic Check Conversion: Authorized signers may authorize a merchant to use your check as a source of information to initiate an EFT from your account. Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through posted signs.

Electronic Fund Transfers Initiated by Third Parties: Authorized signers may authorize a third party to initiate electronic fund transfers between your Money Market Account and the third party's account (subject to monthly transaction limits). These transfers to make or receive payments may be one-time occurrences or may recur as directed by you. These transactions may use the Automated Clearinghouse (ACH) or other payments network. The authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and financial institution information. This information can typically be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information to trusted third parties whom you have authorized to initiate electronic funds transfers.

Preauthorized Credits: If an authorized signer arranges to have direct deposits made to your Money Market Account at least every 60 days from the same person or company, you may call us at the telephone number listed above to find out whether or not the deposit has been made. In addition you will get a monthly account statement from us detailing all monthly transactions, including electronic transfers.

Re-Presented Check Transaction Fees: Authorized signers may authorize a merchant to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient funds. The resulting fee transaction, if debited as an EFT from a consumer account, is covered by the Electronic Funds Transfer Act and this disclosure. When such a re-presentment occurs, the return of the check itself is not coved by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your account statement.

Business Days: For the purposes of this EFT disclosure, our business days are Monday through Fridays, Holidays excluded.

Periodic Statements: You will get a monthly account statement from us if you have a Money Market Account.

Unauthorized Transfers: Tell us at once if you believe that your critical financial institution information or account information has been stolen, or if you suspect that anyone has made an unauthorized transfer. Telephoning is the best way of controlling your possible losses.

Our Liability for Failure to Make Transfers: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable:

If you do not have enough money in your account to make the transfer.
If the money in your account is subject to legal process or other claim restricting transfer.
If circumstances beyond our control (such as fire or flood) prevent the transaction.

In Case of Errors or Questions about your EFT's: Telephone us at 800-251-7115, or write us at Shelter Financial Bank, 1817 West Broadway, Columbia MO 65218 as soon as you can if you think that your statement is wrong or if you have questions about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which a problem or error appeared.

Tell us your name and account number, describe the error or transfer in question including the amount of the suspected error, and explain clearly why you believe it to be an error or why you need additional information. If you tell us orally, we may require you to send us your complaint or question in writing within 10 business days.

We will determine if an error has occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to take this additional time, we will credit your account within 10 business days for the amount you think is an error, so that you will have use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

If a notice of error involves an EFT that occurred within 30 days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, or foreign initiated accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is an error.

We will tell you the results within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

Confidentiality: We will disclose information to third parties about your account or the transfers you make:

To complete the transfers as necessary
To verify the existence and condition of your account upon the request of the third party, such as a credit bureau or merchant
To comply with government agency or court orders
If you give us your written permission

Notices: All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or address specified in this agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least 21 days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

Enforcement: In the event that either party brings a legal action to enforce this agreement or to collect amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorney's fees and costs, including fees on any appeal, subject to any limits under applicable law.

Other Provisions: There may be a delay between the time a deposit is made and when it will be available for withdrawal. We reserve the right to refuse any transaction that will draw upon insufficient funds or require us to increase our required reserve on the account.

Transactions

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