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This Account consists of a transaction subaccount and a savings subaccount. Funds not routinely needed to pay debits may be transferred to a savings subaccount. Upon the death of the last account owner if there is more than one 1 surviving beneficiary/payee the account is owned jointly by such beneficiaries/payees without rights of survivorship. Any POD or trust beneficiary/payee designation shall not apply to Individual Retirement Accounts IRAs. This rule does not apply at ATMs that we own...
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