DEMAND DEPOSIT ACCOUNT OPENING ... - Banco do BrasilY Notificação sobre transferências eletrônicas de fundos; YL V.Sa. e cada signatário autorizado deste documento, consentem

1. TYPE OF ACCOUNT

2. PRIMARY ACCOUNT HOLDER INFORMATION

Last Name ltimo Nome

Date of Birth Data de Nascimento (mm/dd/yyyy) Place of Birth Naturalidade Gender Sexo

CPF/SSN#/Tax ID Primary Citizenship Nacionalidade

Additional Citizenship Nacionalidade Adicional

Country ID Number Ex.: Passaporte/No.doc. Issue Date Data de Emissão (mm/dd/yyyy)

Father’s Full Name Nome Completo do Pai Mother’s Full Name Nome Completo da Mãe

2.1. MARITAL STATUS

2.2. ADDRESSES & TELEPHONES

Legal Address (no P.O. Box) Endereço Fiscal Permanente (exceto caixa postal) City Cidade

State Estado ZIP Code Código Postal - CEP Country País


2.3. BUSINESS INFORMATION

Self - Employed Autônomo

Employer Name Empregador

Occupation Profissão

Monthly Income USD Salário Mensal (USD Dolar) Month/Year Mês/Ano

Employer’s Address Endereço Comercial

City Cidade


Phone # Número de Telefone Fax # Número do Fax

Male Female

Solteiro(a) Casado(a) Separado(a) Viúvo(a) Outro(s)

DEMAND DEPOSIT ACCOUNT OPENING APPLICATION (DDA) Formulário de Solicitação de Abertura de Conta para Pessoas Físicas - BB MIAMI

Date of Hiring Data de Admissão (mm/dd/yyyy)

Other Income USD Outros Rendimentos (USD Dólar)

Individual

Endereços & Telefones

Informações do Primeiro Titular da Conta

Tipo de Conta

Dados Profissionais

. a 0Pag 0

Additional Citizenship Nacionalidade Adicional

City Cidade

First Name Primeiro Nome Middle Name Segundo Nome

Individual

Retired Aposentado

Unemployed Desempregado

StudentEstudante

Employed Empregado

Estado Civil

Joint with Rights of Survivorship Conjunta com direitos dos sobreviventes

Other Widow/er Divorced Married Single

Mailing Address (If different fom Legal Address, no P.O. Box) Endereço para Correspondência (se diferente do Endereço Fiscal Permanente - Exceto Caixa Postal)

1215 - Miami Branch

-

-

-

+ +

Issued by Emitido por

OtherOutro(s)

E-mail (Mandatory information required for your Internet Banking Access and Services) E-mail (Informação obrigatória e necessária para acesso ao Internet Banking e serviços.)

o on Telefone Residencial Fax # Número do Faxo Telefone Celular

Cód. País Número do Telefone Número do Telefone Número do Telefone Cód. País Cód. País

Número do Telefone Número do Telefone Cód. País Cód. País

2.4. CUSTOMER PROFILE

Address Endereço

Does the trustor hold an account with the Branch?O outorgante possui conta com esta agência?

I do not want to receive a Debit Card for this Account. Eu não quero receber um Cartão de Débito para essa conta.

Source of Funds: Fonte dos Recursos:

What is the Line of Business: Qual é o tipo de Negócio:

Yes/Sim

Please list the name of the Business that you own: Por favor listar o nome da empresa na qual você é proprietário:

Yes/Sim

No/Não

No/Não

Yes/Sim No/Não

Please send a Debit Card linked to my new account to my Mailling Address. Once activated, may be used to obtain cash or purchase goods or services. (For your convenience and security purpose, your Debit Card will be shipped via Courier Service to your current mailing address. Shipping costs apply according to Fee Schedule). Por favor, envie um cartão de débito vinculado à minha nova conta para o meu endereço de correspondência. Uma vez ativado, o mesmo poderá ser utilizado para sacar dinheiro, comprar bens ou serviços. (Para sua conveniência e segurança, o seu cartão de débito será enviado através do serviço de courrier para o seu endereço de correspondência e será cobrado tarifa de envio de acordo com a Tabela de Tarifas).

Cartão de Débito

Perfil do Cliente

What is the relationship between principals in the Account? Qual é o relacionamento entre os titulares da conta no BB Miami?

Pag 0 . a 0

City Cidade

Country País State Estado ZIP Code Código Postal - CEP

3. ACCOUNT INFORMATION

Purpose of Account Razão para abertura da conta

Informações da Conta

Do you have specific needs for cash from this account at some point in the near future? Pretende efetuar saques em dinheiro nessa conta no curto prazo?

Moderate Moderado Significant Significante Minimal Mínimo

Sim o Não

Do you own any Business ?

Você é proprietário de alguma empresa?

2.5. DEBIT CARD

1215 - Miami Branch

What's the highest degree or Level of School you have completed: Qual é o seu nível de escolaridade:

If the previous answer is Yes, choose one of the options below: Se a resposta anterior for sim, escolha uma das opções:

-

2.4.1

2.4.2

2.4.3 2.4.4

Additional Free Translation Accepted: Tradução ivre:

Does the t t hold an account with the Branch?O Administrador udicial possui conta com esta agência?

Yes/Sim No/Não

Account #Número da Conta

2.4.5 Trusteeship: Administração Fiduciária:

Nome

NomeAccount #Número da Conta

t ere a trusteeship involved? Há envolvimento do cliente com Administração Fiduciária?

4. ACKNOWLEDGEMENTS AND SIGNATURES

All Account Holders must sign on. Todos os titulares da Conta devem assinar.

By signing below, you confirm that you have received and agree to: i) the terms and conditions set forth in this Account Application; ii) the General Terms and Conditions for accounts; iii) Bank’s Current Fee Schedule; iv) the VISA Debit Card Terms and Conditions (including section 5.G, a waiver of the "parties" right to a trial by jury in the event of a dispute arising under the Debit Card Terms and Conditions); v) the Eletronic Funds Transfer Disclosure; vi) you and each Authorized person signing below consents to the taping or other recording by or on behalf of the Bank of any or all telephone communication that you or such Authorized person may have with the representatitives of the Bank and waives any notice other than this paragraph that such telephone conversations may be recorded at any time; vii) you authorize the Bank to send to you confirmations and other correspondence of any nature relating to any of your accounts via e-mail, or any other method permissible pursuant to the agreements you have entered into with the Bank.

Ao firmar abaixo, V.Sa.(s) confirma (m) ter recebido e concorda (m) com: os termos e condições estipulados neste Formulário de Solicitação de

abertura de Conta; os Termos e Condições Gerais para Contas; Tabela de Tarifas vigente do Banco; Termos e Condições de Uso do Cartão de Débito VISA (incluindo a seção 5.G renúncia de direitos das "partes" a um julgamento por júri no caso de contestação de valores conforme os Termos e Condições do Cartão de Débito.); Notificação sobre transferências eletrônicas de fundos; V.Sa. e cada signatário autorizado deste documento, consentem na gravação eletrônica ou em outros meios, que o Banco, ou alguém em nome dele, realize de toda e qualquer comunicação telefônica com representantes do Banco renunciando expressamente a qualquer outra notificação, que não este paragráfo, de que tais comunicações telefônicas possam ser gravadas a qualquer momento; V.Sa e cada signatário autorizado deste documento, autoriza o banco a enviar lhe informações e outras correspondências de qualquer natureza relacionada a qualquer de suas contas via e-mail, ou qualquer outro método permitido de acordo com os contratos firmados com o Banco.

DEPOSITS MAINTAINED WITH BANCO DO BRASIL S.A. - MIAMI BRANCH ARE NOT INSURED BY THE FDIC. If Banco do Brasil S.A. Miami Branch were to fail, neither the FDIC nor any other government agency in the United States will compensate you for any losses that you might sustain.

Depósitos mantidos no Banco do Brasil S.A. – Agência Miami não são garantidos pelo FDIC (Federal Deposit Insurance Corporation). Se o Banco do Brasil S.A. – Agência Miami entrar em processo de liquidação , nem o FDIC nem qualquer outro órgão governamental dos Estados Unidos irá compensá-lo por qualquer perda ocorrida.

Confirmações e Assinaturas

Initial Deposit (USD) Depósito Inicial (USD Dólar)

Wire transfer from Banco do Brasil S.A. Transferências do Banco do Brasil S.A.

By CheckVia check

Wire transfer from another bank Transferências de outros bancos

OtherOutros

Statement Mailing Instructions Envio de Extratos da Conta

Periodic online E-Statement of your account will be available to you through BB Internet Banking. O extrato on-line da sua conta estará disponível periodicamente através do BB Internet Banking.

Paper Statement - I specifically request o t t nt to by checking the appropriate box below Eu solicito o envio de extrato impresso, conforme opção abaixo.

Legal/Fiscal Address Endereço Fiscal Permanente

Business Address Endereço Comercial

Mailing Address Endereço de correspondência

Pag 0 . a 0

Expected Activity per Year: Movimentação esperada por ano:

Checks

Deposit

Withdrawals

Wire Transfers

Depósito

Saque

Transferência

Checks

Total Number of Transactions Número total de Transações

Total Value of Transactions (USD) Valor Total das Transações (USD Dólar)

3. ACCOUNT INFORMATION - CONTINUED Informações da Conta - Continuação

1215 - Miami Branch







Paperless - I will check my E-Statements online at BB Internet Banking (Menu> Accounts > Statement of Account) n aper tatement will not be mailed. Eu irei verificar meus extratos on-line no BB Internet Banking (Menu > Contas > Extrato de conta), extratos impressos não serão enviados.

Eu opto por não receber extrato impresso

INTERNAL REFERENCE ONLY

MCI

Customer Segment Segmentação do Cliente

Relationship Branch Agência de Relacionamento

Customer Background: Informações sobre o Cliente:

Duration of Relationship Tempo de Relacionamento

Customer Segment in Brazil Segmentação do cliente no Brasil

What services will be provided? Quais serviços serão oferecidos?

FOR BANK USE ONLY

ID and Signature verified by Identidade e Assinatura conferida por

Date (mm/dd/yyyy)

Data (mm/dd/yyyy)

Employee ID Matrícula do Funcionário

Para uso exclusivo do Banco do Brasil S.A.

Para uso Interno

Pag 04 . a 0

ACKNOWLEDGEMENTS AND SIGNATURES - CONTINUED:1. Signature Assinatura

Signature Assinatura

3. Additional Account Holder Titular Adicional da Conta Signature Assinatura

Signature Assinatura 4.

2. Additional Account Holder Titular Adicional da Conta

X

X

X

X

Confirmações e Assinaturas - Continuação:

Primary Account Holder Primeiro Titular da Conta

Private Office Escritório Private

Additional Account Holder Titular Adicional da Conta

Date Data (mm/dd/yyyy)




1215 - Miami Branch

DDA ACCT & Deposits Conta Corrente & Depósitos

Time Deposit & Wire Transfers Depósito a Prazo Fixo & Transferências

Credit Card Cartão de Crédito

Trade Finance Operações de Importação & Exportação

Lending and Structured Products Operações Estruturadas de Empréstimo

1- 2- 3- 4-

Additional Free Translation Accepted: Tradução ivre:

2. ADDITIONAL ACCOUNT HOLDER INFORMATION

Last Name ltimo Nome

Date of Birth Data de Nascimento (mm/dd/yyyy) Place of Birth Naturalidade Gender Sexo

CPF/SSN#/Tax ID Primary Citizenship Nacionalidade

Additional Citizenship Outra Nacionalidade

Country ID Number Ex.: Passaporte/No.doc. Issue Date Data de Emissão (mm/dd/yyyy) Issued by Emitido por

Father’s Full Name Nome Completo do Pai Mother’s Full Name Nome Completo da Mãe

2.1. MARITAL STATUS

2.2. ADDRESSES & TELEPHONESLegal Address (no P.O. Box) Endereço Fiscal Permanente (exceto caixa postal) City Cidade


State Estado Country País

2.3. BUSINESS INFORMATION

Self - Employed Autônomo

Employer Name Empregador

Occupation Profissão

Monthly Income USD Salário Mensal (USD Dolar) Month/Year Mês/Ano

Employer’s Address Endereço Comercial

City Cidade


Phone # Número de Telefone Fax # Número do Fax

Male Female

Solteiro(a) Casado(a) Separado(a) Viúvo(a) Outro(s)

DEMAND DEPOSIT ACCOUNT OPENING APPLICATION (DDA) Formulário de Solicitação de Abertura de Conta para Pessoas Físicas - BB MIAMI

Date of Hiring Data de Admissão (mm/dd/yyyy)

Other Income USD Outros Rendimentos (USD Dólar)

Endereços & Telefones

Informações do Titular Adicional da Conta

Dados Profissionais

. a 0Pag 0

Additional Citizenship Outra Nacionalidade

City Cidade

First Name Primeiro Nome Middle Name Segundo Nome

Retired Aposentado

Unemployed Desempregado

StudentEstudante

Employed Empregado

Estado Civil

Other Widow/er Divorced Married Single

1215 - Miami Branch

FOR ADDITIONAL ACCOUNT HOLDERS

-

-

+ +

-

ZIP Code Código Postal - CEP

Para Titular Adicional da Conta

OthersOutro(s)

Mailing Address (If different fom Legal Address, no P.O. Box) Endereço para Correspondência (se diferente do Endereço Fiscal Permanente - Exceto Caixa Postal)

Cód. País Número do Telefone

o on Telefone Residencial

Número do Telefone Cód. País Cód. País Número do Telefone

o Telefone Celular Fax # Número do Fax

E-mail (Mandatory information required for your Internet Banking Access and Services) E-mail (Informação obrigatória e necessária para acesso ao Internet Banking e serviços.)

Cód. País Número do Telefone Cód. País Número do Telefone

2.4. CUSTOMER PROFILE

Address Endereço

I do not want to receive a Debit Card for this Account. Eu não quero receber um Cartão de Débito para essa conta.

Source of Funds: Fonte dos Recursos:

What is the Line of Business: Qual é o tipo de Negócio:

Please list the name of the Business that you own: Por favor listar o nome da empresa na qual você é dono:

Yes/Sim No/Não

Please send a Debit Card linked to my new account to my Mailling Address. Once activated, may be used to obtain cash or purchase goods or services. (For your convenience and security purpose, your Debit Card will be shipped via Courier Service to your current mailing address. Shipping costs apply according to Fee Schedule). Por favor, envie um cartão de débito ligado à minha nova conta para o meu endereço de correspondência. Uma vez ativado, o mesmo poderá ser utilizado para sacar dinheiro, comprar bens ou serviços. ( Para sua conveniência e segurança, o seu cartão de débito será enviado através do serviço de courrier para o seu endereço de correspondência, será cobrado tarifa de envio de acordo com a Tabela de Tarifas).

Cartão de Débito

Perfil do Cliente

What is the relationship between principals in the Account? Qual é o relacionamento entre os titulares da conta no BB Miami?

Pag 0 . a 0

City Cidade

Country País State Estado ZIP Code Código Postal - CEP

Do you own any Business ?

Você possui algum tipo de Negócio?

2. DEBIT CARD

1215 - Miami Branch

What's the highest degree or Level of School you have completed: Qual é o seu nível de escolaridade:

-

2.4.1

2.4.2

2.4.3 2 4.4

**2. In case of an Additional Account Holder request for an existing account, all Account Holders must sign on the appropriate form. 2. No caso de uma solicitação de inclusão de Titular Adicional da Conta para uma conta existente, todos os titulares da conta deverão assinar a solicitação.

*1. Additional Account Holder must read and review item number 4 "Acknowledgements and Signatures" of the Individual Account Request Form, and sign on. 1. Titular Adicional da Conta deverá rever o item 4 "Confirmações e Assinaturas" do formulário de Solicitação de Abertura de Conta Pessoa Física, e não deixar de assinar o documento.

Does the trustor hold an account with the Branch?O Outorgante possui conta com esta agência?

Yes/Sim

Yes/Sim

No/Não

No/Não

Does the t t hold an account with the Branch?O Administrador udicial possui conta com esta agência?

Yes/Sim No/Não

Account #Número da Conta

2.4.5 Trusteeship: Administração Fiduciária:

s there a trusteeship involved? Há envolvimento do cliente com Administração Fiduciária?

Nome

NomeAccount #Número da Conta

Section 1. Type of Account (check one box)To open a joint account, please attach Additional Account Holders form. Each account holder must fill out a separated form.

For your account to be opened promptly and accurately, please provide the information requested on the form as outlined in the n t t on o o tPara que o processo de aberta de sua conta seja rápido e eficaz, preencha as informações solicitadas no formulário, conforme descrito nas instruções abaixo. Todos os campos devem ser preenchimentos

Section 2. Primary Account Holder InformationEnter your Primary Citizenship, if more than one, please provide additional Citizenships. Please inform the Country ID Number from the Primary Citizenship.

Section 2.2. Addresses and Telephones The legal address MUST be a street address. A post office box is not acceptable for a legal address. A legal address is the account holder’s permanent residence address or. For those accounts opened for nonresident aliens, the legal address must be the same as the permanent residence address listed on IRS Form - BEN.

t on n n o t onUse this section to provide information regarding your Occupation. A detailed Occupation list is available on page 2 for your reference.

t on to oPlease provide details of any business that you might own. A detailed list for ine of Business, Source of Funds and Degree or evel of School are

available below for your reference.

Please inform us if the Company is involved in a Trusteeship, if yes, also, please inform us the Trustor and the Trustee name and account number (if any) with BB Miami.

To help the government ght the funding of terrorism and money laundering activities, federal law requires all nancial organizations to obtain, verify, and record information that identi es each person who opens an account. hen you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. e may also ask you to provide a copy of your driver’s license or other identifying documents. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third-party vendors.

t on t Each account holder must check a box choosing one of the options for the Debit Card request.

t on o nt n o t onThe Purpose of Account information should be in English, yet Portuguese free translation may be added in the space provided.Item Expected Activity the information of Number of Transactions and Value of Transactions should be per year, i.e. inform how many deposits and total value are expected early.Check the appropriate box in the Statement Mailing Instruction to inform us how you would like to verify your account statement. Protecting your information is the most important part of going paperless.

o o ont o oPara abertura de uma conta conjunta, utilize o formulário Additional Account Holders . Cada titular da conta deve preencher um formulário separadamente.

o n o o t ontCaso possua mais de uma cidadania, favor informar nos campos cidadanias adicionais .Informar o número do Passporte da sua primeira nacionalidade.

o n o onO endereço fiscal permanente DEVER ser um endereço físico não será aceito Caixa Postal. O endereço fiscal permanente é o endereço de residência permanente do titular da conta. Para indivíduos não residentes nos Estados Unidos, o endereço deverá ser o mesmo endereço de residência listado no Formulário - BEN.

o o o onUse esta seção para nos informar sobre a sua profissão. Para sua referência, verificar lista detalhada de profissões na página 2.

o o ntFornecer detalhes de qualquer negócio que você possua. Para sua referência, a lista detalhada para os campos: Tipo de Negócio , Fonte dos Recursos e Nível de Escolaridade estão disponíveis nas paginas ,

4 e 5.

Caso você faça parte de uma Administração Fiduciária, informe-nos o nome e número de conta no BB Miami (caso tenha) do Outorgante e o Administrator udicial.

: Para ajudar o governo a combater o financiamento de atividades de terrorismo e lavagem de dinheiro, a lei federal exige que todas as organizações financeiras obtenham, verifiquem e registrem as informações que identifiquem cada indivíduo, por isso, no processo de abertura da conta, solicitaremos seu nome, endereço, data de nascimento e outras informações que nos permitam identificá-lo. Caso necessário, podemos ainda solicitar uma cópia da sua carteira de motorista e/ou outros documentos de identificação. Informamos que os dados fornecidos neste formulário podem ser usados para verificação de crédito e veracidade das informações usando processo internos e/ou empresas especializadas.

o t o toCada titular da conta deve, obrigatoriamente, escolher uma das opções disponíveis na seção de solicitação do Cartão de Débito.

o n o ontO campo Razão para a abertura da conta DEVER ser escrito em inglês, se nao for possível, escrever em português com tradução livre no espaço fornecido. Na seção Movimentação Esperada Por Ano as informações do Número e Valores das transações devem ser estimadas por ano. Por exemplo: informar a quantidade e o valor total dos depósitos esperados por ano.

Selecione uma das opções disponíveis no campo "Instruções de Envio de Extratos da Conta".

A proteção das suas informações é a preocupação mais importante quando utilizado a opção paperless .

Pag 0 . a 0

New Account Opening Application Instructions - Individuals Instruções para o Novo Formulário de Abertura de Contas para Pessoa Física

n n o t on t on t on t t o Use one of the options below to inform your occupation / Utilize uma das opções abaixo para informar sua profissão.

11 Commissioned Armed Forces Officers - Oficiais das Forças Armadas Comissionados242 Administration Professional – Administradores2 4 Authors, ournalists and inguists - Autores, ornalistas and inguistas

Building, Metal, Machinery and Trades orkers - Trabalhadores de Construção, Metais, Máquinas e Operadores4 Clerks and Secretaries - Auxiliares Administrativo e Secretárias512 Cooks and Bakers - Cozinheiros e Padeiros2 5 Creative and Performing Artists - Artistas252 Database and Network Professionals - Profissionais da Computação - Banco de Dados e Rede21 Enginneers, Architets and Specialized Professionals - Engenheiros, Arquitetos e Profissionais Especializados241 Finance Professionals - Profissionais da rea Financeira 514 Hairdressers, Beauticians and Related orkers - Cabeleleiros, Esteticistas e Profissionais Relacionados

Helpers, orkers and abourers - Ajudantes e Operários de Serviços Gerais2 1 egal Professionals - Serviços de Advocacia2 2 ibrarians, Archivists and Curators - Bibliotecários, Arquivistas e Curadores111 egislators and Senior Officials - egisladores e Oficiais de Governo do Alto Escalão12 Managers - Gerentes112 Managing Directors and Chief Executives - Diretores e Altos Executivos

Market-oriented Skilled Agricultural, Forestry and Fishery orkers - Profissionais Especializados em Agricultura, Silvicultura e Pesca 221 Medical Doctors - Médicos21 Non-commissioned Armed Forces Officers - Oficiais das Forças Armadas Não Comissionadas222 Nursing and Midwifery Professionals - Profissionais de Enfermagem e Obstetrícia22 Other Health Professionals - Outros Profissionais de Saúde224 Paramedical Practitioners - Profissionais Paramédicos

Plant & Machine Operators and Drivers - Operadores de Máquinas e Motoristas5 Sales, Child Care and Other Personal orkers - Vendas para Serviços Pessoais, Serviços de Cuidado Infantil24 Sales, Marketing and Public Relations Professionals - Profissionais de Vendas, Marketing e Relações Públicas2 Social and Religious Professionals - Profissionais Sociais e Religiosos251 Software and Applications Developers and Analysts - Desenvolvedores e Analistas de Software e Aplicativos2 Teachers - Professores

Technicians, Associate Professionals, Agents and Assistants - Técnicos, Profissionais Associados, Agentes e Assistentes22 Traditional and Complementary Medicine Professionals - Profissionais de Medicina Tradicional e Complementar511 Travel Attendants, Conductors and Guides - Assistentes de viagem, Condutores e Guias225 Veterinarians - Veterinários51 aiters and Bartenders - Garçons e Bartenders

Unemployed - Desempregado1 Retired - Aposentado

G4 1 Online vendors - Vendedores OnlineR 1 1 Professional athlets - Atletas ProfissionaisR 1 12 Managers of professional athletes - Gerentes de Atletas Profissionais

4 Private financial consultants - Consultores Financeiros Privados 2 All other - Outros

t on no nt n n tAll the owners of a joint account must review section 4 Acknowledgments and Signatures, sign and date the form on page 4.

nt n n n Please provide information of all the owners of a joint account. For Customer Background a brief and assertive information is required, except for Military and Diplomat. Information should be in English, yet Portuguese free translation may be added in the extra space provided. A detailed "Customer Segmentation list" is available on page 5 for your reference.

o on n tTodos os titulares (em caso de conta conjunta) deverão ler a seção 4 Confirmações e Assinaturas, assinar e datar o formulário na página 4.

n nt n Forneça informações de todos os titulares da conta. O campo Informações do Cliente é necessário, exceto para Militares e Diplomatas. As

informações devem ser objetivas e em inglês, se nao for possível, escrever em português com uma tradução livre no espaço extra fornecido.Para sua referência, verificar lista detalhada de "Segmentação do cliente" na página 5.

Caso necessário, ferramentas de tradução disponíveis na internet podem ser utilizadas.

Pag 0 . a 0


2.4 Customer Profile Section Line of Business List Lista de Tipo de Neg cioUse one of the options below to inform the line of Business of your Business / Utilize uma das opções abaixo para informar o tipo do seu negócio

5412 Accounting, Tax Preparation, Bookkeeping, and Payroll Services - Contabilidade, Preparação de Impostos e Serviços de Folha de Pagamento 522 Activities Related to Credit Intermediation - Atividades Relacionadas à Intermediação de Crédito5 1 Activities Related to Real Estate - Atividades Relacionadas à ocação e Venda de Imóveis2 Administration of Government Programs - Administração de Programas Governamentais

5 1 Administrative and Support Services - Serviços Administrativos e de Apoio541 Advertising, Public Relations, and Related Services - Publicidade, Relações Públicas e Serviços Relacionados5242 Agencies, Brokerages, and Other Insurance Related Activities - Agências, Corretoras de Seguro e Outras Atividades Relacionadas1 1 Amusement Parks and Arcades - Parques de Diversão

11 Animal Production, foresty, Fishing & Support Activities - Atividades de Produção Animal, Silvicultura, Pesca e Apoio541 Architectural, Engineering, and Related Services - Arquitetura, Engenharia e Serviços Relacionados441 Automobile and Other Dealers - Automóveis e Outras Concessionárias445 Beer, ine and iquor Stores - Revendedores de Cerveja, Vinho e Outras Bebidas aAcoólicas.12 Beverage and Tobacco Product Manufacturing - Fabricação de Produto de Bebidas e Tabaco

444 Building Material and Garden Equipment and Supplies Dealers - Revendedores de Material de Construção e Equipamentos de ardinagem e Suprimentos 1 Business, Professional, abor, Political, and Similar Organizations - Organizações Comerciais, Profissionais, Trabalhistas, Políticas e Similares 25 Chemical Manufacturing - Petroleum, Coal Plastics and Metal - Fabricação de Produtos Químicos - Petróleo, Plásticos, Carvão e Metal1 4 Civic and Social Organizations - Organizações Cívicas e Sociais

44 Clothing, Shoes, ewelry Stores - Revendedores de Roupas, Calçados e óias5415 Computer Systems Design and Related Services - Design de Sistemas de Informática e Serviços Relacionados2 Construction of Buildings - Construção de Edifícios2 Construction, Heavy Civil Engineering Construction - Construção, Engenharia Civil Pesada4 2 Couriers and Express Delivery and Messengers Services - Serviços de Entrega Expressa e Mensageiros51 Data Processing, Hosting and Related Services - Servicos de Processamento de Dados e Serviços Relacionados5221 Depository Credit Intermediation - Bancos, Intermediação de Crédito Depositário 454 Direct Selling Establishments - Estabelecimentos de Venda Direta11 Educational Services - Serviços Educacionais

4541 Electronic Shopping and Mail-Order Houses - Serviços de Compras Online ou por Correspondência/Catálogo44 Electronics and Appliance Stores - ojas de Eletrônicos e Eletrodomésticos522 2 Financial Transactions Processing, Reserve, and Clearinghouse Activities - Atividades de Processamento de Transações Financeiras, Reservas e Compensação 445 Food and Beverage Stores - Supermecados, oja de alimentos e bebidas11 Food Manufacturing - Fabricação de Alimentos221 Full Service Restaurants - Restaurantes

442 Furniture and Home Furnishings Stores - ojas de Móveis e Mobiliário1 2 Gambling Industries - Indústria de ogos

44 Gasoline Stations - Postos de Gasolina45 General Merchandise Stores & Misc Store Retailers - ojas de Mercadorias em Geral e Varejistas1 2 Grantmaking and Giving Services - Serviços de Bolsas e Subsídios

44 Health and Personal Care Stores - Revendedores de Produtos de Higiene Pessoal e Saúde22 Hospitals, Health Care Centers/Facilities & aboratories - Hospitais, Instalações/Centros de Saúde e aboratórios2 Hotel, Food Services and Drinking Places - Hotel, Serviços de Alimentação e Bares

5251 Insurance and Employee Benefit Funds - Seguros e Fundos de Benefícios de Funcionários5241 Insurance Carriers - Seguradoras2 12 International Affairs - Instituições de Assuntos Internacionais22 ustice, Public Order, and Safety Activities - Serviços de Ordem Pública, Atividades de Segurança e ustiça

2.4 Customer Profile Section Degree or Level of School List Lista de N vel de EscolaridadeUse one of the options below to inform your Degree or evel of School / Utilize uma das opções abaixo para informar o seu nível de escolaridade.

Doctorate Degree – DoutoradoMaster’s Degree – MestradoBachelor’s Degree - Curso Superior CompletoSome College Credit, no degree – Curso Superior IncompletoTechnical School – Curso TécnicoHigh School Graduate, Diploma or the Equivalent – Ensino Médio ou Equivalente Some High School, no diploma – Ensino Médio IncompletoNo Schooling Completed – Sem Formação Escolar

Pag 0 . a 0


42 4 ewelry, atch, Precious Stone, and Precious Metal Merchant holesalers - Atacadistas de óias, Relógios, Pedras Preciosas e Metais Preciosos5 2 easing and Rental Activities -Automotive, Consumer Goods - easing, Aluguel de Atividades - Automóveis, Bens de Consumo5411 egal Services - Serviços legais5 essors of Nonfinancial Intangible Assets (except Copyrighted) - Bônus de Ativos Intangíveis Não Financeiros (exceto Trabalhos com Direitos Autorais)

Machinery & Equipment Manufacturing(Electrical, Electronic & Appliances) - Fabricação de Máquinas e Equipamentos (Elétrica, Eletrônica e Eletrodomésticos) 551 Management of Companies and Enterprises - Gestão de Empresas e Empreendimentos541 Management, Scientific, and Technical Consulting Services - Serviços de Consultoria em Gestão Científica e Técnica42 Miscellaneous Durable & Non durable Goods Merchant holesalers - Atacadistas de Bens Duráveis e Não Duráveis45 Miscellaneous Store Retailers - Varejistas Diversos521 Monetary Authorities-Central Bank - Autoridades Monetárias - Banco Central51 Motion Picture,Sound Recording & Broadcasting Industries - Indústrias de Filmes, Gravação de Som e Radiodifusão12 Museums, Historical Sites, and Similar Institutions - Museus, ocais Históricos e Instituições Similares2 National Security and International Affairs - Segurança Nacional e Assuntos Internacionais (Embaixadas e Consulados)

5222 Nondepository Credit Intermediation - Intermediação de Crédito Não Depositário212 Offices of Dentists - Consultórios de Dentistas211 Offices of Physicians - Consultórios de Médicos

5 12 Offices of Real Estate Agents and Brokers - Escritórios de Agentes e Corretores de Imóveis21 Oil & Gas Extraction, Mining and Support Activities - Extração de Petróleo e Gás, Mineração e Atividades de Suporte1 Other Amusement and Recreation Industries - Outras Indústrias de Diversão e Recreação

52 Other Financial Investment Activities - Outras Atividades de Investimento Financeiro51 Other Information Services - Outros Serviços de Informação525 Other Investment Pools and Funds - Fundos de Investimento 11 Performing Arts, Spectator Sports, and Related Industries - Artes Cênicas, Esportes e Setores Relacionados12 Personal and aundry Services - avanderia

4 Pipeline Transportation of Crude Oil, Natural Gas & Other - Transporte de Oleodutos, Gás Natural e Outros4 1 Postal Service - Serviço Postal, Correios2 Printing and Related Support Activities - Atividades de Impressão e Suporte de Atividades Relacionadas14 Private Households - Casas de Aluguel

511 Publishing Industries (except Internet) - Indústrias de Publicação (exceto Internet)1 1 Religious Organizations - Organizações Religiosas11 Repair and Maintenance - Serviços de Consertos e Manutenção

541 Scientific Research and Development Services - Serviços de Pesquisa e Desenvolvimento Científico52 1 Securities and Commodity Contracts Intermediation and Brokerage - Intermediação de Contratos de Títulos , Commodity e Corretora52 2 Securities and Commodity Exchanges - ServiçosTítulos e Valores Monetários1 Social Advocacy Organizations - Organizações de Advocacia Social24 Social Assistance - Assistência Social

5414 Specialized Design Services - Serviços de Design Especializado2 Specialty Trade Contractors - Serviços de Proffisionais Especializados 51 Telecommunications Carriers, Satelite Telecom & Others - Serviços de Telecomunicações, Telecomunicações por Satélite e Outros 1 Textile Product Mills, Apparel, ood & Paper Manufacturing - Fabricação de Produtos têxteis, Fabricação de Roupa, Madeira e Papel

4 Transportation - Transportes221 Utilities - Serviços de Utilidade Pública4542 Vending Machine Operators - Operadores de Máquinas de Venda Automática4 arehousing and Storage - Servicos de Armazenamento e Depósito5 2 aste Management and Remediation Services - Gerencimento de Serviços de Remoção de ixo e Reciclagem425 holesale Electronic Markets and Agents and Brokers - Agentes, Corretores e Mercados Atacadistas de Eletrônicos42 holesalers Parts, Supplies, Furniture, Equipment & Goods - Mercados Atacadistas de Peças, Suprimentos, Móveis, Equipamentos e Mercadorias

Pag 04 . a 0


nt n n n t on t nt t t nt o o ntUse one of the options below to inform Customer Segment / Utilize uma das opções abaixo para informar a segmentação do cliente.

Retail - VarejoPrivate - PrivatePrivate Investment Company - Empresa de Investimentos PrivateBB Employee - Funcionário do Banco do BrasilSmall Capital Corporation - Empresa de Pequeno PorteMedium Capital Corporation - Empresa de Médio Portearge Capital Corporation - Empresa de Grande Porte

2. .4 Customer Profile Section Source of Funds List Lista Fonte de RecursosUse one of the options below to inform the Source of Funds. / Utilize uma das opções abaixo para informar a fonte dos recursos.

Salary and Savings - Salário e PoupançaRetirement and Savings - Aposentadoria e Poupança Investments, Dividends and Coporate Participation - Investimentos, Dividendos e Participacao AcionáriaInheritance - HerançaAlimony and Savings - Pensão e PoupançaNo Income - House ife - Sem Renda - Do larNo Income – Student - Sem Renda - EstudanteProfessional Services - Serviços ProfissionaisCommercial Goods or Services - Bens ou Serviços Comerciais Financial Services FI - Serviços Financeiros Bancários Financial Services Non-FI - Serviços Financeiros Não Bancários Charity - Organizações de CaridadeGovernment Entity - Entidade Governamental

Pag 0 . a 0


. a 0

1215 - Miami Branch

SIGNATURE

Title Cargo Name (Printed Name) Nome

SPECIAL SIGNATURE INSTRUCTIOONS:

ACCOUNT DATE ACCOUNT OPENED

INDIVIDUALIndividual

JOINT W/RIGHTS OF SURVIVORSHIPConjunta com direitos por sobrevivência

FOR BANK USE ONLY

Name and Signature verified by Identidade e Assinatura conferida por

Date (mm/dd/yyyy)

Data (mm/dd/yyyy)

Employee ID Matrícula do Funcionário

Para uso exclusivo do Banco do Brasil S.A.

n t / Assinatura

n t / Assinatura

n t / Assinatura

n t / Assinatura

n t / Assinatura

#

SIGNATURE CARD Cartão de Assinaturas - Conta Invidual

Depósitos com o Banco do Brasil não estão segurados pelo FDIC

(dd/mm/yyyy)

Número da Conta

FUNDS TRANSFER AGREEMENTContrato de Transferência de Fundos

ACKNOWLEDGEMENTDeclaraçãoThe undersigned (“Customer”) hereby acknowledges receiving, reading and agreeing to all the provisions and disclosures contained in the General Terms and Conditions governing Customer’s demand deposit account bearing the number specified above (the “Account”) and any other agreements governing the Account, which is maintained with Banco do Brasil (the “Bank”)’s Miami Branch or New York Branch. Customer also acknowledges and agrees that, effective the date of Customer’s signature below, this Funds Transfer Agreement (this “Agreement”) replaces any previous Funds Transfer Agreement or Funds Transfer Acknowledgement governing the Account.

O signatário (“Cliente”) declara que recebeu, leu e concorda com todos os dispositivos e revelações contidas nestes Termos e CondiçõesGerais que regulam a conta corrente do Cliente (a “Conta”), cujo número encontra-se especificado acima, e quaisquer outros contratosque regulem a Conta mantida nas agências do Banco do Brasil em Miami ou Nova Iorque (o “Banco”). O Cliente declara e concorda aindaque, a partir da data de sua assinatura neste documento, este Contrato de Transferência de Fundos (o “Contrato) passará a substituirqualquer outro Contrato de Transferência de Fundos ou Declaração de Transferência de Fundos anterior que regule esta Conta.

SECURITY PROCEDURESProcedimentos de SegurançaCustomer hereby agrees to use only the security procedure(s) selected hereunder to authenticate, or to requestcancellation of, any wire transfer instruction or payment order requested by Customer with regard to the Account (an“Order”). Customer hereby agrees that any Order purporting to be sent by Customer shall, when received by the Bank, beeffective as Customer’s Order, whether or not actually authorized by Customer and regardless of the actual identity of thetransmitter thereof, if such Order is accepted by the Bank in good faith and in accordance with the security procedure(s)selected hereunder.

O Cliente concorda em usar somente o(s) procedimento(s) de segurança aqui descrito(s) para autenticar, ou requisitar o cancelamento dequalquer instrução de transferência ou ordem de pagamento que o Cliente venha a requisitar em conexão com sua Conta (uma “Ordem”).O Cliente concorda que qualquer Ordem que aparente ter sido enviada pelo Cliente, ao ser recebida pelo Banco, seja consideradaefetivamente uma Ordem do Cliente, tendo sido ou não autorizada de fato pelo Cliente e independente da identidade real de quem a tiverenviado, se tal Ordem for aceita pelo Banco em boa fé e de acordo com o(s) procedimento(s) de segurança aqui selecionado(s).

THE FOLLOWING TYPES OF ORDERS ARE AUTHORIZED UNLESS YOU INDICATE THAT YOU DO NOT AUTHORIZESUCH ORDERS (Please utilize appropriate boxes):OS TIPOS DE ORDENS ABAIXO LISTADOS SÃO AUTORIZADOS, EXCETO SE VOCÊ INDICAR QUE NÃO AUTORIZA TAIS ORDENS(favor marcar as caixas apropriadas):

(1) Original Written Orders. Original written Orders shall be delivered to the Bank by hand or by mail, signed byyou. / Ordens Originais por Escrito. Ordens originais por escrito e assinadas por você deverão ser entregues em mãos noBanco, ou enviadas pelo correio.

Check here if you do not authorize such Orders/ Marque aqui se você não autoriza tais Ordens

(2) Facsimile Orders. Facsimile Orders shall be sent to the Bank by facsimile transmission, signed by you. / Ordenspor Fax: ordens por fax deverão ser enviadas ao Banco via fac-símile e assinadas por você.

Check here if you do not authorize such Orders/ Marque aqui se você não autoriza tais Ordens.(3) Electronic Funds Transfers. Such Orders shall be sent by you to the Bank by electronic transmission, utilizing

BB USA Internet Banking services, in accordance with the Electronic Banking Services Agreement. Any dailylimits (dollar limitations), and any special requirements regarding the registration of beneficiaries of suchOrders, will apply accordingly./ Transferências Eletrônicas de Fundos. Tais Ordens deverão ser enviadas por vocêeletronicamente ao Banco, utilizando os serviços BB USA Internet Banking, de acordo com o Contrato de Serviços deElectronic Banking. Quaisquer limites diários (em dólares) e requisitos especiais com relação ao registro de beneficiários detais Ordens serão aplicáveis, conforme apropriado.

Check here if you do not authorize such Orders/ Marque aqui se você não autoriza tais OrdensCALLBACK PROCEDUREPROCEDIMENTO DE CHAMADA DE CONFIRMAÇÃOCustomer understands and agrees that the Bank reserves the right to confirm each Order at its own discretion and inaccordance to Bank’s internal procedures, by telephone callback to you (at the telephone number informed by you availablein the Bank’s records) or to any authorized person identified below (at the telephone number specified forhim or her below). This callback procedure may not apply if (a) Customer is also the beneficiary of such Order or (b) thebeneficiary of such Order is a Registered Beneficiary pursuant to standing payment instructions that are duly recorded andaccepted by the Bank in accordance with the requirements of the BB USA Internet Banking services.O Cliente reconhece e concorda que o Banco tem o direito de confirmar cada ordem, conforme julgado necessário e de acordo com seusprocedimentos internos, através de chamada telefônica à você (para o número informado por você constante dos registros do Banco) ou aqualquer pessoa autorizada, identificada abaixo (através do número de telefone especificado pela pessoa abaixo autorizada). Esteprocedimento de chamada de confirmação não se aplicará caso (a) o Cliente for também o beneficiário de tal Ordem; ou (b) o beneficiário daOrdem for um Beneficiário Registrado, conforme as instruções de pagamento devidamente gravadas e aceitas pelo Banco, de acordo comas exigências dos serviços de Internet Banking do BB.

If you wish, you may use the space below to designate other persons authorized to receive such telephone callbacks:/ Casodesejar, você poderá utilizar o espaço abaixo para designar outras pessoas autorizadas a receber tais ligações telefônicas de confirmação:

Name/ Nome: Phone No./ Telefone: Signature of Authorized Person Assinatura da pessoa autorizada

BY SIGNING ABOVE, EACH SUCH PERSON AUTHORIZED TO RECEIVE TELEPHONE CALLBACKS (I) CONSENTS ONA CONTINUING BASIS TO THE BANK’S TAPE RECORDING OF SUCH CALLBACKS, AND (II) WAIVES ANY NOTICE(OTHER THAN THIS SENTENCE) THAT SUCH CALLBACKS SHALL OR MAY BE RECORDED.AO ASSINAR ACIMA, CADA PESSOA AUTORIZADA A RECEBER LIGAÇÕES TELEFÔNICAS DE CONFIRMAÇÃO DECLARA QUE (I) CONSENTEQUE O BANCO GRAVE, EM BASES REGULARES, TAIS LIGAÇÕES TELEFÔNICAS E (II) RENUNCIA AO DIREITO DE RECEBER NOTIFICAÇÃO(ALÉM DA CONTIDA NESTE PARÁGRAFO) DE QUE TAIS LIGAÇÕES DE CONFIRMAÇÃO SERÃO OU PODERÃO SER GRAVADAS.

Important Notes: In addition to the types of Orders mentioned above, on a case by case basis, the Bank may permitOrders initiated by Customer by telephone (confirmed by callbacks), and may permit tested Orderstransmitted utilizing test keys. Moreover, with regard to any telephonic Orders and with regard to allfacsimile Orders, the Bank will, if Customer so elects, confirm each Order by a callback and, as afurther security procedure, require that each such Order also contain a code word agreed upon byCustomer and the Bank. Customer must contact the Bank for details regarding requirements andnecessary arrangements for such services.

Notas Importantes: Além dos tipos de Ordens acima mencionados, dependendo do caso, o Banco poderá permitir Ordens iniciadas peloCliente através de ligação telefônica (confirmadas por ligação de confirmação), e poderá ainda permitir Ordenstestadas, transmitidas utilizando números chave. E ainda, com relação a qualquer Ordem telefônica e a todas asOrdens por fax, o Banco confirmará, caso o Cliente assim escolher, cada Ordem através de ligação telefônica e, comoprocedimento de segurança, exigirá que cada Ordem contenha ainda uma palavra-código aprovada pelo Cliente epelo Banco. Para obter maiores detalhes sobre os requisitos e arranjos necessários para o provimento de taisserviços, o Cliente deverá entrar em contato com o Banco.

LIMITATION OF BANK’S LIABILITY AND INDEMNIFICATIONCustomer understands and agrees that, in addition to any limitation of Bank’s liability, and any indemnification, set forth in theGeneral Terms and Conditions or in any other agreement, Customer specifically and unconditionally discharges the Bankfrom any and all responsibility for any consequences that may result from Orders or from any non-action or action on theBank’s part in connection therewith, including but not limited to any payment that the Bank may make pursuant to thisAgreement or any payment not made due to inadvertence or circumstances beyond the Bank’s control. Customer agrees topay fees for services hereunder, if the Bank elects to charge such fees; such fees may change from time to time. In addition,Customer agrees to indemnify the Bank for and to pay any and all charges and costs, direct or indirect and including withoutlimitation attorney’s fees, which the Bank may at any time or times incur in connection with the services provided by the Bankhereunder.LIMITAÇÃO DE RESPONSABILIDADE E INDENIZAÇÃO AO BANCOO Cliente reconhece e concorda que, além de qualquer limitação de responsabilidade do Banco, bem como qualquer indenização estabelecida nosTermos e Condições Gerais, ou em qualquer outro instrumento contratual, o Cliente libera específica e incondicionalmente o Banco de qualquerresponsabilidade pelas conseqüências que venham a resultar de Ordens, ou de qualquer ação ou omissão da parte do Banco em conexão a taisOrdens, inclusive, mas não limitado a, qualquer pagamento que o Banco venha a fazer, sob a égide deste Contrato, ou qualquer pagamento não feitodevido a desatenção ou a circunstâncias fora do controle do Banco. O Cliente concorda em pagar os encargos pelos serviços aqui descritos e que taisencargos possam vir a mudar de tempos em tempos. O Cliente concorda ainda em indenizar o Banco por, e pagar todo e qualquer encargo ou custo,direto ou indireto, incluindo, mas não limitado a, honorários advocatícios, os quais o Banco possa vir a incorrer, de tempos em tempos, em conexãocom os serviços prestados pelo Banco de acordo com este instrumento.

Agreed on/ De acordo: Data ____________________ _ (please insert date/ favor inserir a data) Signature/ Assinatura:

Account Holder Name:/ Nome do titular da conta Signature/ Assinatura::

For Bank Use Only / Para uso exclusive do Banco

Verification done by: / Verificação feita por: Date(DD/MM/YYYY):/Data(dia/mês/ano)

Approved by: / Aprovado por

(For joint accounts all holders should sign in this same agreement or in a separated funds transfer agreement / Para contas conjuntas todos os titulares devem assinar no mesmo acordo ou em acordo separado)

Form W-8BEN(Rev. July 2017)

Department of the Treasury Internal Revenue Service

Certificate of Foreign Status of Beneficial Owner for United States Tax Withholding and Reporting (Individuals)

For use by individuals. Entities must use Form W-8BEN-E. Go to www.irs.gov/FormW8BEN for instructions and the latest information.

Give this form to the withholding agent or payer. Do not send to the IRS.

OMB No. 1545-1621

Do NOT use this form if: Instead, use Form:

• You are NOT an individual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . W-8BEN-E

• You are a U.S. citizen or other U.S. person, including a resident alien individual . . . . . . . . . . . . . . . . . . . W-9

• You are a beneficial owner claiming that income is effectively connected with the conduct of trade or business within the U.S. (other than personal services) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . W-8ECI

• You are a beneficial owner who is receiving compensation for personal services performed in the United States . . . . . . . 8233 or W-4

• You are a person acting as an intermediary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . W-8IMY

Note: If you are resident in a FATCA partner jurisdiction (i.e., a Model 1 IGA jurisdiction with reciprocity), certain tax account information may be provided to your jurisdiction of residence.

Part I Identification of Beneficial Owner (see instructions) 1 Name of individual who is the beneficial owner 2 Country of citizenship

3 Permanent residence address (street, apt. or suite no., or rural route). Do not use a P.O. box or in-care-of address.

City or town, state or province. Include postal code where appropriate. Country

4 Mailing address (if different from above)

City or town, state or province. Include postal code where appropriate. Country

5 U.S. taxpayer identification number (SSN or ITIN), if required (see instructions) 6 Foreign tax identifying number (see instructions)

7 Reference number(s) (see instructions) 8 Date of birth (MM-DD-YYYY) (see instructions)

Part II Claim of Tax Treaty Benefits (for chapter 3 purposes only) (see instructions) 9 I certify that the beneficial owner is a resident of

% rate of withholding on (specify type of income):

within the meaning of the income tax treaty between the United States and that country.

10 Special rates and conditions (if applicable—see instructions): The beneficial owner is claiming the provisions of Article and paragraphof the treaty identified on line 9 above to claim a

.Explain the additional conditions in the Article and paragraph the beneficial owner meets to be eligible for the rate of withholding:

Part III Certification Under penalties of perjury, I declare that I have examined the information on this form and to the best of my knowledge and belief it is true, correct, and complete. I further certify under penalties of perjury that:

• I am the individual that is the beneficial owner (or am authorized to sign for the individual that is the beneficial owner) of all the income to which this form relates or am using this form to document myself for chapter 4 purposes,

• The person named on line 1 of this form is not a U.S. person,

• The income to which this form relates is:

(a) not effectively connected with the conduct of a trade or business in the United States,

(b) effectively connected but is not subject to tax under an applicable income tax treaty, or

(c) the partner’s share of a partnership's effectively connected income,

• The person named on line 1 of this form is a resident of the treaty country listed on line 9 of the form (if any) within the meaning of the income tax treaty between the United States and that country, and

• For broker transactions or barter exchanges, the beneficial owner is an exempt foreign person as defined in the instructions.

Furthermore, I authorize this form to be provided to any withholding agent that has control, receipt, or custody of the income of which I am the beneficial owner or any withholding agent that can disburse or make payments of the income of which I am the beneficial owner. I agree that I will submit a new form within 30 days if any certification made on this form becomes incorrect.

Sign Here

Signature of beneficial owner (or individual authorized to sign for beneficial owner) Date (MM-DD-YYYY)

Print name of signer Capacity in which acting (if form is not signed by beneficial owner)

For Paperwork Reduction Act Notice, see separate instructions. Cat. No. 25047Z Form W-8BEN (Rev. 7-2017)

Form W-9(Rev. November 2017)Department of the Treasury Internal Revenue Service

Request for Taxpayer Identification Number and Certification

Go to www.irs.gov/FormW9 for instructions and the latest information.

Give Form to the requester. Do not send to the IRS.

Pri

nt o

r ty

pe.

See

Spe

cific

Inst

ruct

ions

on

page

3.

1 Name (as shown on your income tax return). Name is required on this line; do not leave this line blank.

2 Business name/disregarded entity name, if different from above

3 Check appropriate box for federal tax classification of the person whose name is entered on line 1. Check only one of the following seven boxes.

Individual/sole proprietor or single-member LLC

C Corporation S Corporation Partnership Trust/estate

Limited liability company. Enter the tax classification (C=C corporation, S=S corporation, P=Partnership) Note: Check the appropriate box in the line above for the tax classification of the single-member owner. Do not check LLC if the LLC is classified as a single-member LLC that is disregarded from the owner unless the owner of the LLC is another LLC that is not disregarded from the owner for U.S. federal tax purposes. Otherwise, a single-member LLC that is disregarded from the owner should check the appropriate box for the tax classification of its owner.

Other (see instructions)

4 Exemptions (codes apply only to certain entities, not individuals; see instructions on page 3):

Exempt payee code (if any)

Exemption from FATCA reporting

code (if any)

(Applies to accounts maintained outside the U.S.)

5 Address (number, street, and apt. or suite no.) See instructions.

6 City, state, and ZIP code

Requester’s name and address (optional)

7 List account number(s) here (optional)

Part I Taxpayer Identification Number (TIN)Enter your TIN in the appropriate box. The TIN provided must match the name given on line 1 to avoid backup withholding. For individuals, this is generally your social security number (SSN). However, for a resident alien, sole proprietor, or disregarded entity, see the instructions for Part I, later. For other entities, it is your employer identification number (EIN). If you do not have a number, see How to get a TIN, later.Note: If the account is in more than one name, see the instructions for line 1. Also see What Name and Number To Give the Requester for guidelines on whose number to enter.

Social security number

– –

orEmployer identification number

–

Part II CertificationUnder penalties of perjury, I certify that:1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me); and2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue

Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding; and

3. I am a U.S. citizen or other U.S. person (defined below); and4. The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct.Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. See the instructions for Part II, later.

Sign Here

Signature of U.S. person Date

General InstructionsSection references are to the Internal Revenue Code unless otherwise noted.Future developments. For the latest information about developments related to Form W-9 and its instructions, such as legislation enacted after they were published, go to www.irs.gov/FormW9.

Purpose of FormAn individual or entity (Form W-9 requester) who is required to file an information return with the IRS must obtain your correct taxpayer identification number (TIN) which may be your social security number (SSN), individual taxpayer identification number (ITIN), adoption taxpayer identification number (ATIN), or employer identification number (EIN), to report on an information return the amount paid to you, or other amount reportable on an information return. Examples of information returns include, but are not limited to, the following.• Form 1099-INT (interest earned or paid)

• Form 1099-DIV (dividends, including those from stocks or mutual funds)

• Form 1099-MISC (various types of income, prizes, awards, or gross proceeds)• Form 1099-B (stock or mutual fund sales and certain other transactions by brokers)• Form 1099-S (proceeds from real estate transactions)• Form 1099-K (merchant card and third party network transactions)• Form 1098 (home mortgage interest), 1098-E (student loan interest), 1098-T (tuition)• Form 1099-C (canceled debt)• Form 1099-A (acquisition or abandonment of secured property)

Use Form W-9 only if you are a U.S. person (including a resident alien), to provide your correct TIN.

If you do not return Form W-9 to the requester with a TIN, you might be subject to backup withholding. See What is backup withholding, later.

Cat. No. 10231X Form W-9 (Rev. 11-2017)

Form W-9 (Rev. 11-2017) Page 2

By signing the filled-out form, you: 1. Certify that the TIN you are giving is correct (or you are waiting for a

number to be issued),2. Certify that you are not subject to backup withholding, or3. Claim exemption from backup withholding if you are a U.S. exempt

payee. If applicable, you are also certifying that as a U.S. person, your allocable share of any partnership income from a U.S. trade or business is not subject to the withholding tax on foreign partners' share of effectively connected income, and

4. Certify that FATCA code(s) entered on this form (if any) indicating that you are exempt from the FATCA reporting, is correct. See What is FATCA reporting, later, for further information.Note: If you are a U.S. person and a requester gives you a form other than Form W-9 to request your TIN, you must use the requester’s form if it is substantially similar to this Form W-9.Definition of a U.S. person. For federal tax purposes, you are considered a U.S. person if you are:• An individual who is a U.S. citizen or U.S. resident alien;• A partnership, corporation, company, or association created or organized in the United States or under the laws of the United States;• An estate (other than a foreign estate); or• A domestic trust (as defined in Regulations section 301.7701-7).Special rules for partnerships. Partnerships that conduct a trade or business in the United States are generally required to pay a withholding tax under section 1446 on any foreign partners’ share of effectively connected taxable income from such business. Further, in certain cases where a Form W-9 has not been received, the rules under section 1446 require a partnership to presume that a partner is a foreign person, and pay the section 1446 withholding tax. Therefore, if you are a U.S. person that is a partner in a partnership conducting a trade or business in the United States, provide Form W-9 to the partnership to establish your U.S. status and avoid section 1446 withholding on your share of partnership income.

In the cases below, the following person must give Form W-9 to the partnership for purposes of establishing its U.S. status and avoiding withholding on its allocable share of net income from the partnership conducting a trade or business in the United States.• In the case of a disregarded entity with a U.S. owner, the U.S. owner of the disregarded entity and not the entity;• In the case of a grantor trust with a U.S. grantor or other U.S. owner, generally, the U.S. grantor or other U.S. owner of the grantor trust and not the trust; and• In the case of a U.S. trust (other than a grantor trust), the U.S. trust (other than a grantor trust) and not the beneficiaries of the trust.Foreign person. If you are a foreign person or the U.S. branch of a foreign bank that has elected to be treated as a U.S. person, do not use Form W-9. Instead, use the appropriate Form W-8 or Form 8233 (see Pub. 515, Withholding of Tax on Nonresident Aliens and Foreign Entities).Nonresident alien who becomes a resident alien. Generally, only a nonresident alien individual may use the terms of a tax treaty to reduce or eliminate U.S. tax on certain types of income. However, most tax treaties contain a provision known as a “saving clause.” Exceptions specified in the saving clause may permit an exemption from tax to continue for certain types of income even after the payee has otherwise become a U.S. resident alien for tax purposes.

If you are a U.S. resident alien who is relying on an exception contained in the saving clause of a tax treaty to claim an exemption from U.S. tax on certain types of income, you must attach a statement to Form W-9 that specifies the following five items.

1. The treaty country. Generally, this must be the same treaty under which you claimed exemption from tax as a nonresident alien.

2. The treaty article addressing the income.3. The article number (or location) in the tax treaty that contains the

saving clause and its exceptions.4. The type and amount of income that qualifies for the exemption

from tax.5. Sufficient facts to justify the exemption from tax under the terms of

the treaty article.

Example. Article 20 of the U.S.-China income tax treaty allows an exemption from tax for scholarship income received by a Chinese student temporarily present in the United States. Under U.S. law, this student will become a resident alien for tax purposes if his or her stay in the United States exceeds 5 calendar years. However, paragraph 2 of the first Protocol to the U.S.-China treaty (dated April 30, 1984) allows the provisions of Article 20 to continue to apply even after the Chinese student becomes a resident alien of the United States. A Chinese student who qualifies for this exception (under paragraph 2 of the first protocol) and is relying on this exception to claim an exemption from tax on his or her scholarship or fellowship income would attach to Form W-9 a statement that includes the information described above to support that exemption.

If you are a nonresident alien or a foreign entity, give the requester the appropriate completed Form W-8 or Form 8233.

Backup WithholdingWhat is backup withholding? Persons making certain payments to you must under certain conditions withhold and pay to the IRS 28% of such payments. This is called “backup withholding.” Payments that may be subject to backup withholding include interest, tax-exempt interest, dividends, broker and barter exchange transactions, rents, royalties, nonemployee pay, payments made in settlement of payment card and third party network transactions, and certain payments from fishing boat operators. Real estate transactions are not subject to backup withholding.

You will not be subject to backup withholding on payments you receive if you give the requester your correct TIN, make the proper certifications, and report all your taxable interest and dividends on your tax return.Payments you receive will be subject to backup withholding if:

1. You do not furnish your TIN to the requester,2. You do not certify your TIN when required (see the instructions for

Part II for details),3. The IRS tells the requester that you furnished an incorrect TIN,4. The IRS tells you that you are subject to backup withholding

because you did not report all your interest and dividends on your tax return (for reportable interest and dividends only), or

5. You do not certify to the requester that you are not subject to backup withholding under 4 above (for reportable interest and dividend accounts opened after 1983 only).

Certain payees and payments are exempt from backup withholding. See Exempt payee code, later, and the separate Instructions for the Requester of Form W-9 for more information.

Also see Special rules for partnerships, earlier.

What is FATCA Reporting?The Foreign Account Tax Compliance Act (FATCA) requires a participating foreign financial institution to report all United States account holders that are specified United States persons. Certain payees are exempt from FATCA reporting. See Exemption from FATCA reporting code, later, and the Instructions for the Requester of Form W-9 for more information.

Updating Your InformationYou must provide updated information to any person to whom you claimed to be an exempt payee if you are no longer an exempt payee and anticipate receiving reportable payments in the future from this person. For example, you may need to provide updated information if you are a C corporation that elects to be an S corporation, or if you no longer are tax exempt. In addition, you must furnish a new Form W-9 if the name or TIN changes for the account; for example, if the grantor of a grantor trust dies.

PenaltiesFailure to furnish TIN. If you fail to furnish your correct TIN to a requester, you are subject to a penalty of $50 for each such failure unless your failure is due to reasonable cause and not to willful neglect.Civil penalty for false information with respect to withholding. If you make a false statement with no reasonable basis that results in no backup withholding, you are subject to a $500 penalty.


Criminal penalty for falsifying information. Willfully falsifying certifications or affirmations may subject you to criminal penalties including fines and/or imprisonment.Misuse of TINs. If the requester discloses or uses TINs in violation of federal law, the requester may be subject to civil and criminal penalties.

Specific InstructionsLine 1You must enter one of the following on this line; do not leave this line blank. The name should match the name on your tax return.

If this Form W-9 is for a joint account (other than an account maintained by a foreign financial institution (FFI)), list first, and then circle, the name of the person or entity whose number you entered in Part I of Form W-9. If you are providing Form W-9 to an FFI to document a joint account, each holder of the account that is a U.S. person must provide a Form W-9.

a. Individual. Generally, enter the name shown on your tax return. If you have changed your last name without informing the Social Security Administration (SSA) of the name change, enter your first name, the last name as shown on your social security card, and your new last name. Note: ITIN applicant: Enter your individual name as it was entered on your Form W-7 application, line 1a. This should also be the same as the name you entered on the Form 1040/1040A/1040EZ you filed with your application.

b. Sole proprietor or single-member LLC. Enter your individual name as shown on your 1040/1040A/1040EZ on line 1. You may enter your business, trade, or “doing business as” (DBA) name on line 2.

c. Partnership, LLC that is not a single-member LLC, C corporation, or S corporation. Enter the entity's name as shown on the entity's tax return on line 1 and any business, trade, or DBA name on line 2.

d. Other entities. Enter your name as shown on required U.S. federal tax documents on line 1. This name should match the name shown on the charter or other legal document creating the entity. You may enter any business, trade, or DBA name on line 2.

e. Disregarded entity. For U.S. federal tax purposes, an entity that is disregarded as an entity separate from its owner is treated as a “disregarded entity.” See Regulations section 301.7701-2(c)(2)(iii). Enter the owner's name on line 1. The name of the entity entered on line 1 should never be a disregarded entity. The name on line 1 should be the name shown on the income tax return on which the income should be reported. For example, if a foreign LLC that is treated as a disregarded entity for U.S. federal tax purposes has a single owner that is a U.S. person, the U.S. owner's name is required to be provided on line 1. If the direct owner of the entity is also a disregarded entity, enter the first owner that is not disregarded for federal tax purposes. Enter the disregarded entity's name on line 2, “Business name/disregarded entity name.” If the owner of the disregarded entity is a foreign person, the owner must complete an appropriate Form W-8 instead of a Form W-9. This is the case even if the foreign person has a U.S. TIN.

Line 2If you have a business name, trade name, DBA name, or disregarded entity name, you may enter it on line 2.

Line 3Check the appropriate box on line 3 for the U.S. federal tax classification of the person whose name is entered on line 1. Check only one box on line 3.

IF the entity/person on line 1 is a(n) . . .

THEN check the box for . . .

• Corporation Corporation• Individual • Sole proprietorship, or • Single-member limited liability company (LLC) owned by an individual and disregarded for U.S. federal tax purposes.

Individual/sole proprietor or single-member LLC

• LLC treated as a partnership for U.S. federal tax purposes, • LLC that has filed Form 8832 or 2553 to be taxed as a corporation, or • LLC that is disregarded as an entity separate from its owner but the owner is another LLC that is not disregarded for U.S. federal tax purposes.

Limited liability company and enter the appropriate tax classification. (P= Partnership; C= C corporation; or S= S corporation)

• Partnership Partnership• Trust/estate Trust/estate

Line 4, ExemptionsIf you are exempt from backup withholding and/or FATCA reporting, enter in the appropriate space on line 4 any code(s) that may apply to you.

Exempt payee code.• Generally, individuals (including sole proprietors) are not exempt from backup withholding.• Except as provided below, corporations are exempt from backup withholding for certain payments, including interest and dividends.• Corporations are not exempt from backup withholding for payments made in settlement of payment card or third party network transactions.• Corporations are not exempt from backup withholding with respect to attorneys’ fees or gross proceeds paid to attorneys, and corporations that provide medical or health care services are not exempt with respect to payments reportable on Form 1099-MISC.

The following codes identify payees that are exempt from backup withholding. Enter the appropriate code in the space in line 4.

1—An organization exempt from tax under section 501(a), any IRA, or a custodial account under section 403(b)(7) if the account satisfies the requirements of section 401(f)(2)

2—The United States or any of its agencies or instrumentalities3—A state, the District of Columbia, a U.S. commonwealth or

possession, or any of their political subdivisions or instrumentalities4—A foreign government or any of its political subdivisions, agencies,

or instrumentalities 5—A corporation6—A dealer in securities or commodities required to register in the

United States, the District of Columbia, or a U.S. commonwealth or possession

7—A futures commission merchant registered with the Commodity Futures Trading Commission

8—A real estate investment trust9—An entity registered at all times during the tax year under the

Investment Company Act of 194010—A common trust fund operated by a bank under section 584(a)11—A financial institution12—A middleman known in the investment community as a nominee or custodian13—A trust exempt from tax under section 664 or described in section 4947


The following chart shows types of payments that may be exempt from backup withholding. The chart applies to the exempt payees listed above, 1 through 13.

IF the payment is for . . . THEN the payment is exempt for . . .

Interest and dividend payments All exempt payees except for 7

Broker transactions Exempt payees 1 through 4 and 6 through 11 and all C corporations. S corporations must not enter an exempt payee code because they are exempt only for sales of noncovered securities acquired prior to 2012.

Barter exchange transactions and patronage dividends

Exempt payees 1 through 4

Payments over $600 required to be reported and direct sales over $5,0001

Generally, exempt payees 1 through 52

Payments made in settlement of payment card or third party network transactions

Exempt payees 1 through 4

1 See Form 1099-MISC, Miscellaneous Income, and its instructions.2 However, the following payments made to a corporation and reportable on Form 1099-MISC are not exempt from backup

withholding: medical and health care payments, attorneys’ fees, gross proceeds paid to an attorney reportable under section 6045(f), and payments for services paid by a federal executive agency.

Exemption from FATCA reporting code. The following codes identify payees that are exempt from reporting under FATCA. These codes apply to persons submitting this form for accounts maintained outside of the United States by certain foreign financial institutions. Therefore, if you are only submitting this form for an account you hold in the United States, you may leave this field blank. Consult with the person requesting this form if you are uncertain if the financial institution is subject to these requirements. A requester may indicate that a code is not required by providing you with a Form W-9 with “Not Applicable” (or any similar indication) written or printed on the line for a FATCA exemption code.

A—An organization exempt from tax under section 501(a) or any individual retirement plan as defined in section 7701(a)(37)

B—The United States or any of its agencies or instrumentalitiesC—A state, the District of Columbia, a U.S. commonwealth or

possession, or any of their political subdivisions or instrumentalitiesD—A corporation the stock of which is regularly traded on one or

more established securities markets, as described in Regulations section 1.1472-1(c)(1)(i)

E—A corporation that is a member of the same expanded affiliated group as a corporation described in Regulations section 1.1472-1(c)(1)(i)

F—A dealer in securities, commodities, or derivative financial instruments (including notional principal contracts, futures, forwards, and options) that is registered as such under the laws of the United States or any state

G—A real estate investment trustH—A regulated investment company as defined in section 851 or an

entity registered at all times during the tax year under the Investment Company Act of 1940

I—A common trust fund as defined in section 584(a)J—A bank as defined in section 581K—A brokerL—A trust exempt from tax under section 664 or described in section

4947(a)(1)

M—A tax exempt trust under a section 403(b) plan or section 457(g) planNote: You may wish to consult with the financial institution requesting this form to determine whether the FATCA code and/or exempt payee code should be completed.

Line 5Enter your address (number, street, and apartment or suite number). This is where the requester of this Form W-9 will mail your information returns. If this address differs from the one the requester already has on file, write NEW at the top. If a new address is provided, there is still a chance the old address will be used until the payor changes your address in their records.

Line 6Enter your city, state, and ZIP code.

Part I. Taxpayer Identification Number (TIN)Enter your TIN in the appropriate box. If you are a resident alien and you do not have and are not eligible to get an SSN, your TIN is your IRS individual taxpayer identification number (ITIN). Enter it in the social security number box. If you do not have an ITIN, see How to get a TIN below.

If you are a sole proprietor and you have an EIN, you may enter either your SSN or EIN.

If you are a single-member LLC that is disregarded as an entity separate from its owner, enter the owner’s SSN (or EIN, if the owner has one). Do not enter the disregarded entity’s EIN. If the LLC is classified as a corporation or partnership, enter the entity’s EIN.Note: See What Name and Number To Give the Requester, later, for further clarification of name and TIN combinations.How to get a TIN. If you do not have a TIN, apply for one immediately. To apply for an SSN, get Form SS-5, Application for a Social Security Card, from your local SSA office or get this form online at www.SSA.gov. You may also get this form by calling 1-800-772-1213. Use Form W-7, Application for IRS Individual Taxpayer Identification Number, to apply for an ITIN, or Form SS-4, Application for Employer Identification Number, to apply for an EIN. You can apply for an EIN online by accessing the IRS website at www.irs.gov/Businesses and clicking on Employer Identification Number (EIN) under Starting a Business. Go to www.irs.gov/Forms to view, download, or print Form W-7 and/or Form SS-4. Or, you can go to www.irs.gov/OrderForms to place an order and have Form W-7 and/or SS-4 mailed to you within 10 business days.

If you are asked to complete Form W-9 but do not have a TIN, apply for a TIN and write “Applied For” in the space for the TIN, sign and date the form, and give it to the requester. For interest and dividend payments, and certain payments made with respect to readily tradable instruments, generally you will have 60 days to get a TIN and give it to the requester before you are subject to backup withholding on payments. The 60-day rule does not apply to other types of payments. You will be subject to backup withholding on all such payments until you provide your TIN to the requester.Note: Entering “Applied For” means that you have already applied for a TIN or that you intend to apply for one soon.Caution: A disregarded U.S. entity that has a foreign owner must use the appropriate Form W-8.

Part II. CertificationTo establish to the withholding agent that you are a U.S. person, or resident alien, sign Form W-9. You may be requested to sign by the withholding agent even if item 1, 4, or 5 below indicates otherwise.

For a joint account, only the person whose TIN is shown in Part I should sign (when required). In the case of a disregarded entity, the person identified on line 1 must sign. Exempt payees, see Exempt payee code, earlier.Signature requirements. Complete the certification as indicated in items 1 through 5 below.

1

DateData

BANK REFERENCE REQUESTSolicitação de Referência Bancária

TO:Para:

Bank NameNome do Banco

AddressEndereço

ZipCep

CityCidade

StateEstado

CountryPais

Dear Sirs:The Person whose signature appears below has opened anaccount with us, and we have been referred to you for *accountinformation and verification of signatures(s). Your reply will betreated confidentially and is without on your part and/or ours.

Sincerely,

Banco do BrasilMiami Branch701 Brickell Avenue, #2610 Miami, Florida 33131

Prezados Senhores:A pessoa, cuja assinatura figura abaixo, abriu uma contaconosco e indicou que podíamos obter *informaçõessobre a conta que mantém consigo e a verificação desua(s) assinatura(s). Sua resposta será tratada comomatéria confidencial e não implicará em qualquerresponsabilidade de sua parte e/ou da nossa.

Atenciosamente,

Banco do BrasilMiami Branch701 Brickell Avenue, #2610 Miami, Florida 33131

Client Name:Nome do Cliente

Account #:Número de conta

Client Signature:Assinatura do cliente

For the use of the Replying Bank Only:Para uso exclusive do Banco em referência

Account Opening DateData da abertura da contaAverage BalanceSaldo MédioAccount closing date (if applicable)Data do encerramento da conta (se aplicável)

Client’s business relationship with us has been satisfactory and there is no fact of our own knowledge thatsuggests the client is not reliable. / O cliente tem um relacionamento conosco satisfatório não havendo nada que odesabone.

No, our experience indicates that the client is not reliable. / Não, nossa experiência com o cliente não foi satisfatória.

Other comments/ Outroscomentários

DateData

Authorized SignatureAssinatura

*account balance and account opening date*Saldo e data da abertura da conta

POWER OF ATTORNEYProcuração

Re: Account No.Referente à Conta No.:

(“Account”)(doravante denominada simplesmente de “Conta”)

I/We,Através do presente instrumento, eu/nós,

, hereby appointnomeio/ nomeamos

(the “Attorney”) to be(doravante referido como “o Procurador”)para ser

my/our true and lawful attorney-in-fact to conduct any and all business relating to the Account, pursuant to the terms and conditions of any agreementgoverning the Account, as fully and effectively in all respects as I/we could do if personally present. Without limitation, the Attorney shall be authorized andempowered, in my/our name and on my/our behalf, to: draw, sign and deliver checks, drafts, notes, bills of exchange, acceptances, or other orders for thepayment of money from, and endorse checks, drafts, notes, bills, certificates of deposit, or other instruments owned or held by me/us for deposit into, theAccount, or for collection or discount by Banco do Brasil, Miami Agency (“Bank”); accept drafts, acceptances, or other instruments payable at Bank; waivedemand, protest, and notice of protest and dishonor with respect to any check, note, bill, draft, or other instrument made, drawn, or endorsed by me/us, or onmy/our behalf: pledge any assets held in the Account; purchase and sell, or authorize and request the Bank to purchase or sell, for my/our account, foreignexchange, securities, commodities, derivatives, and other investment assets; deal, in any and all other respects, with any and all securities, commodities, andother property of any kind belonging to or held by me/us or in which I/we may have an interest: and pay to Bank or its representative any fees or costsassociated with the Account.I/we grant the Attorney full power and authority to do everything necessary to accomplish the foregoing purposes, in the same manner and to the same extentas I/we could do myself/ourselves, with full power of substitution and revocation, hereby ratifying and confirming all that the Attorney shall lawfully do or causeto be done by virtue of this Power of Attorney. If one or more other powers of attorney at any time executed appoint one or more additional individuals asattorney(s)-in-fact with respect to the Account, the Attorney and every such additional attorney-in-fact shall be authorized to exercise all his powers singly(without the need for the joinder or consent of any other attorney-in-fact).I/we also authorize Bank to transact all business relating to the Account with the Attorney, and to honor, receive, or pay any instrument of any kind drawn orendorsed to the order of the Attorney, or tendered by him/her for cash, or delivered or used in payment of any individual obligation of the Attorney, ordeposited by the Attorney in his/her personal account. Bank shall under no circumstances be required to investigate the circumstances of the issuance or useof any instrument signed by the Attorney, or the application or disposition of such instrument or of the proceeds thereof. If more than one account holderexecutes this Power of Attorney, The Attorney shall not be required to sign any document more than one in order to execute such document effectively onbehalf of all such account holders.I/we agree to indemnify, hold harmless, and defend Bank and all of its directors, officers, agents, and employees from any liability, loss, or damage, (includingreasonable attorney’s fees) that they may sustain relating to this Power of Attorney including any liability, loss or damage sustained by virtue of Bank’sreliance upon the apparent authority of the Attorney after termination of this Power of Attorney, by operation of law or otherwise, but before express writtennotice thereof is received by (and a reasonable period of time to act thereon is afforded to) the particular department, office, branch or correspondent of Bankconcerned.

meu/nosso bastante procurador legal, com plenos poderes para conduzir todo e qualquer negócio relacionado à Conta, desde que observados os termos e condiçõesde todos os acordos que regerem a Conta. O Procurador estará irrestritamente autorizado e com plenos poderes para agir em meu/nosso nome ou a meu/nosso favor,podendo para isso: sacar, assinar e entregar cheques, saques, notas, letras de câmbio, aceitações bancárias, ou emitir outras ordens de pagamento, endossarcheques, saques, notas, letras, certificados de depósito ou outros instrumentos de minha/nossa posse ou propriedade para depósito na Conta ou para cobrança oudesconto pelo Banco do Brasil, Agência de Miami, (doravante simplesmente referido como "o Banco"), aceitar saques, efetuar aceitações bancárias ou outrosinstrumentos que devem ser pagos em banco; dispensar demandas, protesto e notificação de protesto e descrédito em relação a qualquer cheque, nota, letra, saque ououtro instrumento emitido, sacado ou endossado por mim/nós ou em meu/nosso favor; caucionar quaisquer recursos depositados na Conta; comprar e vender ouautorizar e solicitar que o Banco compre ou venda para a minha/nossa conta, câmbio estrangeiro, valores mobiliários, commodities, derivativos e outros ativos deinvestimento; comercializar, em todo e qualquer âmbito, todos os tipos de valores mobiliários, commodities e outros bens de qualquer sorte que pertençam ou estejamem minha/nossa posse, ou onde eu/nós tenha/tenhamos interesse ou participação; e pagar ao Banco ou a seu representante quaisquer emolumentos ou custosrelativos à Conta.Eu/Nós cedemos ao Procurador plenos poderes e autoridade suficiente para realizar quaisquer atos necessários ao cumprimento dos supra citados fins, da mesmamaneira e na mesma extensão da minha/nossa pessoa física, como se eu/nós aí estivesse/estivéssemos presente(s), com livre arbítrio para substituir e revogar, tendo apresente procuração o cunho de confirmar e ratificar tudo que o Procurador venha legalmente a executar ou solicitar a execução por força dos poderes a ele concedidosatravés do presente instrumento de procuração. Se uma ou outra(s) procuração(ões) executada(s) em algum dado momento indicar(em) uma ou mais pessoas comobastante procurador(es) no que diz respeito à Conta, o Procurador e cada um dos bastante procuradores adicionais deverão estar autorizados a exercer todos os seuspoderes individualmente (ou seja, sem a necessidade da presença ou do consentimento de qualquer outro bastante procurador).Eu/Nós também autorizo/autorizamos o Banco a realizar transações relativas a todos os negócios da Conta com o Procurador e a honrar, receber ou pagar todo equalquer instrumento sacado ou endossado em favor do Procurador ou oferecido por ele(ela) em dinheiro, entregue ou usado em pagamento de qualquer obrigaçãoindividual do Procurador ou depositado por ele(ela) na sua conta pessoal. O Banco, sob nenhuma hipótese, deverá estar obrigado a investigar as circunstâncias deemissão ou uso de qualquer instrumento firmado pelo Procurador, ou a aplicação ou disposição de tal instrumento ou dos fundos a ele pertinentes. Se esta Procuraçãofor executada por mais de um titular da conta, o Procurador não estará obrigado a assinar qualquer documento mais deuma vez para executá-lo de forma efetiva e emnome de todos os titulares da conta.Eu/Nós concordamos em indenizar, isentar de responsabilidade e defender o Banco e todos os seus diretores, administradores, agentes e funcionários de qualquerobrigação, perda ou dano, (inclusive honorários advocatícios considerados razoáveis), que possam advir em decorrência do cumprimento desta Procuração, inclusivequalquer obrigação, perda ou dano incorrido em virtude do Banco ter respeitado a autoridade aparente do Procurador após o cancelamento da presente Procuração, porforça da lei ou por outro mecanismo qualquer, mas antes de receber uma notificação expressa e por escrito neste sentido (considerando-se, naturalmente, o transcursode tempo hábil para as devidas providências por parte do Banco) no departamento em particular,escritório, agência ou banco correspondente envolvido na matéria.

Expiration Date / Data de Expiração(Signature of First Account Holder) / Assinatura do 1o. Titularda Conta)

(Signature of Second Account Holder) / Assinatura do 2o.Titular da Conta)

(Signature of Third Account Holder) / Assinatura do 3o. Titularda Conta)

(Signature of Fourth Account Holder) / Assinatura do 4o.Titular da Conta)

0

POWER OF ATTORNEYProcuração

One the day ofEm (Dia/Mês/Ano)

before me personally camecompareceu(ram) ante mim

known or verified by me to be the individual(s) named and who executed the above Power of Attorney, and acknowledged thathe/she/they executed same.por mim conhecido(s) ou com identidade por mim verificada, a quem identifiquei como sendo a(s) pessoa(s) acima indicada(s), a(s) qual(quais)executou (taram) o presente instrumento de procuração e cuja execução, eu atesto e dou fé.

SSNo. de Registro

(Signature of Certifying Official) / (Assinatura do Oficial de Fé Pública/Tabelião)

(This form should be notarized, certified, and/or stamped in accordance with the requirements applicable in the jurisdiction where itis executed). / (Este formulário deve trazer reconhecimento de firmas e ser autenticado e/ou carimbado pelo oficial de fé pública, segundo asexigências aplicáveis na jurisdição onde for executado).

Attorney-in-Fact / Bastante Procurador Name / Nome Signature / Assinatura

Power of Attorney InformationInformações Sobre o Procurador da Conta

Name / Prenome Middle Name / Nomes Intermediários Last Name / Sobrenome

Single / Solteiro(a) Married / Casado(a) Widow/er / Viúvo(a) Other / Outro

Nacionality / Nacionalidade Passport/ID Number / No. do Passaporte ou da Identidade: Date of Birth / Data de Nascimento:

Home Address / Endereço Residêncial:

Zip / CEP City / Cidade State / Estado Country

Phone Number / No de Telefone Fax Cellular/ Celular E-mail

BY SIGNING THIS DOCUMENT, THE ATTORNEY-IN-FACT AGREES to the General Terms and Conditions issued by Bank doBrasil, Miami Agency, all of which he/she has read fully and understands, including, without limitation, the provisions thereinpermitting RECORDING OF TELEPHONE INSTRUCTIONS AND OF TELEPHONE CALLBACKS.

Verification of signature of Attorney-in-Fact and verification that Attorney-in-Fact has received the General Terms and Conditions.

AO ASSINAR ESTE DOCUMENTO, O(A) BASTANTE PROCURADOR(A) INDICA CONCORD NCIA com os Termos e Condições Gerais estipulados pelo Banco do Brasil, Agência de Miami, os quais foram por ele(ela) lidos na íntegra e devidamente entendidos, inclusive e sem limitar-se aos dispositivos aí contidos no que diz respeito à autorização expressa para GRAVAÇÃO DE INSTRUÇÕES TELEFÔNICAS E DE LIGAÇÕES DE RETORNO AO CLIENTE.Verificação da assinatura do(a) BASTANTE PROCURADOR(A) e constatação de que o(a) mesmo(a) recebeu os Termos e CondiçõesGerais do Banco.

(Signature of Bank Officer)(Assinatura do Executivo do Banco)

Date / Data

0

PAY-ON-DEATH / TRANSFER-ON-DEATH AGREEMENT

This Pay-On-Death/Transfer-On-Death Agreement ("Agreement") applies to the specific accounts listed in Paragraph 4 maintained by the undersigned Customer(s) (the "Account(s)") with Banco do Brasil S.A., Miami Branch (the "Branch") and is intended to amend and supplement any and all other account-opening and related documents, agreements, and terms and conditions regarding the Account(s) (all such account-opening and related documents and agreements, except this Agreement, being the "Other Agreements"). The undersigned hereby agree(s) with the Branch as follows:

1) Notwithstanding the manner in which theAccount(s) was/were initially opened (e.g., asan "in trust for" or "Totten trust" account), withrespect to all cash deposits in an Account withthe Branch, this Agreement constitutes a"contract of deposit" under Florida StatutesSection 655.82 (the "Account Statute").

2) This Agreement shall become effective on thedate it is accepted by the Branch (as suchdate is stated at the end of this Agreement).

3) Notwithstanding the manner in which theAccount(s) was/were initially opened (e.g., asan "in trust for" or "Totten trust" account), theAccount shall be a "pay-on-death account"under the Account Statute. Such status isintended to be retroactive to the time ofestablishment of each Account.

ACORDO DE PAGAMENTO POR MORTE/CESSÃO POR MORTE

O presente Acordo de Pagamento por Morte/Cessão por Morte (doravante denominado simplesmente de "Acordo") refere-se às contas específicas que se encontram listadas no Parágrafo 4 e que são mantidas pelo(s) Cliente(s) abaixo, (doravante denominadas de "Conta(s)") no Branco do Brasil S. A., Agência de Miami (doravante denominada simplesmente de "Agência") e tem por finalidade emendar e suplementar toda e qualquer outra documentação de abertura de conta e documentos conexos, assim como acordos e termos e condições no tocante à(s) Conta(s), constituindo toda esta documentação supramencionada, com exceção deste Acordo, os "Outros Acordos". Pelo presente instrumento, o(s) abaixo-assinado(s) concorda(m) com a Agência no seguinte:

1) Independente da forma em que a(s) Conta(s)tenha(m) sido inicialmente aberta(s) (ex.: contade fideicomisso em favor de outrem, ou decustódia total): no que diz respeito a todos osdepósitos em espécie na Conta junto àAgência, o presente acordo constitui-se em"contrato de depósito" segundo as leis daFlórida, Seção 655.82 (doravante denominada coletivamente de “Lei daConta”).

2) O presente deverá entrar em vigor na data em que for aceito pela Agência (na data que constar no final deste acordo).

3) Independente da forma em que a(s) Conta(s)tenha(m) sido inicialmente aberta(s) (ex.: contade fideicomisso em favor de outrem, ou decustódia total), tal Conta deverá ser uma"Conta de Pagamento por Morte", segundo aLei da Conta . Tal status deverá ser retroativoà data de estabelecimento de cada Conta.

ACCOUNT # Sole Owner Mu tiple Owners

Account Holder # 1:

MCI:Printed Name:

Signature:

Account Holder #

MCI:Printed Name:

Signature:

Account Holder # :

MCI:Printed Name:

Signature:

Account Holder #

MCI:Printed Name:

Signature:

Account Holder # :

MCI:Printed Name:

Signature:

4) select t pe of o nership

and add account number), and the O ner(s) of the Account (s) is (are)(name eachbelo ):

4) A titularidade da(s) Conta(s)estabelece-se conforme a seguir: (Favorselecionar uma das opções, e adicionaro número da conta):

5) Rights at death with respect to theAccount select the one consistent

ith the selection made in paragraph 4and initial same):

5) Os direitos por morte em relação às Contas são: (selecionar a opção que seja coerentecom aquela escolhida no parágrafo 4).

a Pa a g a a a

a g a a a a . a a a

a a a a a a

a . a a g

a a a ag a a a a .

a Pa a g a a a

a g a a a a . a a g a

a a a a a a

a . a a a a g

a a g g

. a a g a g a a

a ag a a a a g a

Conta com Único Titular, com designação de Pagamento por Morte e/ou designação de Cessão por Morte (conforme o caso). O Titular poderá, a qualquer momento, encerrar a Conta e/ou retirar, ativos nela depositados. Por morte do Titular, a titularidade passará para o(s) Beneficiário(s) sobrevivente(s) especificados no parágrafo 6, excluídos aqueles que constarem no espólio do Titular.

Conta com Múltiplos Titulares, com designação de Pagamento por morte e/ou designação de Cessão por morte (conforme o caso). Todos os titulares vivos poderão a qualquer momento encerrar a conta e/ou retirar ativos nela depositados. Por morte de qualquer dos Titulares (sem ser o último Títular sobrevivente), a participação de tal Titular falceido na conta passará para o(s) Titular(es) sobrevivente(s). Por morte do último Titular sobrevivente, a titularidade passará para o(s) Beneficiário(s) sobrevivente(s) especificado(s) no parágrafo 6, excluídos aqueles que constarem no espólio do último Titular sobrevivente.

) a a a a

a a a a a a a a

) O nome, endereço, número de telefone, datade nascimento, grau de parentesco ourelação com o(s), Titular(es), país decidadania e número de Contribuinte (sehouver) de cada Beneficiário da Conta sãoos seguintes:

Date of Birth:

Tax ID / CPF:

Printed Name:

Relationship to Owner (s):

Address:

Country: Te phone #: % of Distribution:

Beneficiary # 2:

Date of Birth:

Tax ID / CPF:

Printed Name:


Address:

Country: Te phone #:

Beneficiary # 3:

Date of Birth:

Tax ID / CPF:

Printed Name:


Address:


Beneficiary # 4:

Date of Birth:

Tax ID / CPF:

Printed Name:


Address:


Beneficiary # 5:

Date of Birth:

Tax ID / CPF:

Printed Name:


Address:


Beneficiary # :

% of Distribution:

% of Distribution:

% of Distribution:

% of Distribution:

a P ag a g a mportante: Se não informado, o percentual de distribuição será dividido igualmente.

) a a g a a a g

a a a g a a .

a a a a

g ag a a a g a g

a .

) a a g a a a. g a a a ag a

a a a a g a a Pa a aa g a a a .

) a a a a a aa a a g a a

a a a a a

a a. a a a

a a a a

a a a a a . a a a a a a

a a a a.

) Se houver dois ou mais Beneficiários sobreviventes por ocasião da morte do Titular (se for o caso), eles compartilharão a Conta na proporção acima designada. Se algum Beneficiário vier a falecer antes do último a sobreviver ao(s) Titular(es), a sua percentagem de participação na Conta deverá ser dividida igualmente entre todos os outros Beneficiários sobreviventes.

) Segundo aqui emendado e suplementado, os Outros Acordos deverão permanecer em pleno vigor e efeito. As designações feitas nos parágrafos 5, 6 e 7 só poderão ser canceladas ou alteradas por intermédio de um novo Acordo de Pagamento por Morte/Cessão por Morte, o qual deverá ser firmado pelo(s) Titular(es) da Conta e aceito pela Agência.

)

Todo e qualquer imposto sobre herança de competência federal ou estadual, assim como todos os outros encargos pertinentes poderão ser pagos pela Agência, à sua própria escolha, a partir do numerário ou bens mantidos na(s) Conta(s) antes de serem passados aos Beneficiários. Em caso de que todos os Beneficiários venham a falecer antes do Titular o direito de tais Beneficiários aos bens daConta automaticamente cessará. A Agência poderá pagar uma parcela dos ativos mantidos na Conta a qualquer Beneficiário sem o consentimento expresso de outro(s) Beneficiário(s)

1 ) ag a a

a a a a ag a a g

Paaga a a a a

a a a a a a g

a Pa

g a a a a a g a a a a a a

a a Paa g a a

a . Pa g a ag a a a a g a

g aa a a .

1 ) O(s) Titular(es) da(s) Conta(s), por meio do presente instrumento, concorda(m) em indenizar individual ou conjuntamente a Agência e suas afiliadas, agentes, executivos, diretores, funcionários e representantes (coletivamente aqui denominados de ¨Partes Indenizadas¨) por quaisquer demandas, perdas, obrigações e despesas de qualquer índole, protegendo-a e isentando-a de toda e qualquer responsabilidade, isolada e coletivamente, no que se relacionar a tais ocorrências, estando aí incluídos também honorários advocatícios sofridos e incorridos pelas Partes Indenizadas em virtude do presente Acordo, assim como quaisquer pagamentos efetuados pela Agência aos Beneficiários aqui discriminados, emolumentos relacionados ao registro da(s) Conta(s) em nome dos Beneficiários e/ou por quaisquer outras ações tomadas por qualquer das Partes Indenizadas no cumprimento deste Acordo e em consonância com a Lei da Conta e/ou com a Lei de Valores. Os direitos das Partes Indenizadas à luz do presente parágrafo são adicionais a todos os outros direitos e recursos jurídicos incluídos nos Outros Acordos e na legislação pertinente.

Account Holder: Account Holder:

Signature: Signature:

Date: Date:

Account Holder: Account Holder:

Signature: Signature:

Date: Date:

Banco do Brasil S.A.

a a

Account Holder:

Signature:

Date:

a

Reviewed 2017

FACTS

WHAT DOES BANCO DO BRASIL, AND ITS U.S. AFFILIATES DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share personal information. Federal law gives consumers the right to limit some but not all sharing. Federal laws also require us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include: � Your Name, Address, and Telephone Number � Social Security number and Income � Account Balances and Payment History � Credit History and Credit Scores

How? All financial companies need to share personal information to run their everyday

business. In the section below, we list the reasons financial companies can share their personal information; and whether you can limit this sharing.

Reasons we can share your personal information Does Banco do Brasil share?

Can you limit this Sharing?

For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

YES

NO

For our marketing purposes- to offer our products and services to you

YES NO

For joint marketing with other financial companies NO

Banco do Brasil does not share for this

purpose For our affiliates’ everyday business purposes- information about your transactions and experiences

YES NO

For our affiliates’ everyday business purposes - information about your creditworthiness YES YES

For our affiliates to market to you YES YES

For non-affiliates market to you NO

Banco do Brasil does not share for this

purpose To limit our sharing

� Call (407) 608 1800 (Miami Branch): our menu will prompt you through your choice(s) or email to: [email protected]

� Mail the Form below to: 8325 South Park Circle #140 – Orlando, FL – 32819

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit the sharing.

Questions? � Call (407) 608 1800 (Miami Branch): our menu will prompt you through

your choice(s) or email to: [email protected]

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Mail-in Form

If you have a joint account, your choice(s) will apply to everyone on your account.

Mark any/all you want to limit: ( ) Do not allow your affiliates to use my personal information to market to me.

( ) Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

Mail To:

8325 South Park Circle - Suite 140 Orlando, FL 32819

Name:

Address:

City, State:

Zip, Country:

Account Number:

mailto:[email protected]

mailto:[email protected]

Reviewed 2017

Who we are

Who is providing this notice? Banco do Brasil S.A. – U.S. Operations

What we do

How does Banco do Brasil protect personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We maintain physical, electronic and procedural safeguards that comply with federal standard to protect your nonpublic personal information.

How does Banco do Brasil collect personal information? We collect your personal information, for example, when you � Open an Account or Complete an Application � Apply for a Loan or Use our products/services � Use your Credit Card OR We also collect your personal information from others, such as credit bureaus, affiliates, or other companies

Why can’t I limit all sharing? Federal law gives you the right to limit only � sharing for affiliates’ everyday business purposes -

information about your creditworthiness � affiliates from using your information to market to you � sharing for nonaffiliated to market to you State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include, for example, but are not limited to, companies with a Banco do Brasil name.

Nonaffiliated

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint marketing A formal agreement between nonaffiliated financial products or services to you.

Other important information

x You do not need to contact us, unless you want to choose an election on the Opt out Form. x If you have responses to Privacy notice sent previously, you do not need to contact us, unless you change your Opt-Out

Election.

Revised – October 2 1

Acceptance of the Debit Card does not automatically qualify you for anOverdraft Line of Credit.All applications forOverdraft Lines of Credit must be submitted separately and are subject to creditapproval.I. No Return of Drafts. You agree that we do not need to return to you the original or a copy ofany sales draft or cash withdrawal draft originated by use of yourDebit Card.J. Protection of Your Debit Card and PIN. To use your Debit Card at ATMs, a PINmust be generated. Security in the use of the Debit Card is provided by the PIN , the CHIPon the front side of the card and the magnetically encoded strip on the Debit Card. Pleasekeep the Debit Card safe, and also protect the PIN. Use the Debit Card and the PIN onlyas instructed, and please notify us immediately of any mechanical or operating failure inconnection with the use of your Debit Card. Do not permit anyone else to use your DebitCard, and do not disclose your PIN or record it on or near the Debit Card. You areresponsible for all transactions in which you use your Debit Card, or in which your DebitCard is used by anyone else with your permission.K. Time of Transaction. All transactions made using your Debit Card are subject to our Bank’sprocessing schedules. Any transaction made on a holiday or after regular hours may not beprocessed by us until the next business day.L. Statements. Transactions made with your Debit Card will be shown on the regular periodicstatements that you receive with respect to your Checking Account or your other accounts. Youhave a duty to examine your account statements and to report to us any unauthorized debits to youraccounts in accordance with the account agreements and other documentation governing thoseaccounts and theBank’s general terms and conditions.M. Customer’s Right to Receive Documentation of Transfer. You can get a receipt at the timeyou make any transfer to or from your account using an ATM. You will also receive a receiptevery time you make a purchase using your Debit Card. All transactions conducted using yourDebit Card will also be reflected on the periodic account statements that we send to you withrespect to your accounts.N. Pre-Authorized Transfers. If you have used your Debit Card to schedule regular paymentsout of your account, you can stop any of these payments by calling or writing to us at any of theContact Numbers and Addresses set forth above in time for us to receive your request threebusiness days before the payment is scheduled to be made. If you call, we may also require you toput your request in writingwithin fourteen (14) days after your call. Youwill be charged as listed inour Debit Card Fee Schedule, for each stop payment order you give. If you order us to stop one ofthese payments three business days or more before the transfer is scheduled, and we do not do so,wewill be liable for your losses or damages.7.LIMITATION ON DEBIT CARD AND ATM TRANSACTIONSWhen you use your Debit Card at ATMs and for purchase transactions, we may apply two dailylimits to the amount you are authorized to withdraw from your deposit accounts during each day; acash limit and a purchase limit. We establish these limits for purposes of issuing authorizations toATMandmerchant processing systems. At our discretion, wemay issue authorizations, and permitwithdrawals and purchases, in excess of these limits. The limits are based on your relationship withus and the type of account you have with us. We may establish higher or lower limits. If we havenot established another limit for you, your limit is set in the Fee Schedule. Theremay be additionaltransaction limits imposed by the ATMoperator or network that may restrict your cash or purchaselimit.A. Cash Limit. The cash limit is the total amount you are authorized to withdraw each day fromyour deposit accounts at ATMs using your Debit Card. Please note that some ATMs may not beable to dispense the full amount of your cash limit in a single transaction, in which case you mayneed to performmore than one transaction in order to withdraw that full amount.B. Purchase Limit. The purchase limit is the total amount of goods or services you areauthorized to pay for each day from your deposit accounts by using your Debit Card. Cash backyoumay receive in connection with purchase transactions counts against your purchase limit. Cashback also includes: (a) purchases of money orders, cashier’s checks, or other similar instrumentsand other things of value, and (b) cash you obtain from a financial institution. Your purchase limitis generally in addition to your cash limit. For security purposes, wemay place other restrictions onthe purchase limit from time to time.C. Additional Limitation Applicable to Money Market or Savings Accounts. Total transfersfrom a money market account or savings account to another account or to third parties bypreauthorized, automatic or telephone transfer are limited to six per statement cycle with no morethan three by check, draft, debit card or similar order to third parties. Transfers made throughBanco do Brasil Internet Banking are included in thismaximum allowable limit.

8. FOREIGN TRANSACTIONSIf you effect a transaction with your Debit Card in a currency other than U.S. dollars or effect atransaction in U.S. dollars outside the United States, the amount involved in the transaction will beconverted into a U.S. dollar amount. A currency conversion will occur even if the transaction is madein U.S. dollars. The exchange rate between the transaction currency and the billing currency used forprocessing international transactions may be a rate selected by Visa® from the range of ratesavailable in wholesale currency markets, or a government mandated rate. In both cases, the rate mayvary from the rate Visa® itself receives andmay include adjustments determined by Banco do Brasil.Visa will use the currency conversion procedure, which is disclosed to institutions that issue suchCards. Currently the currency conversion rate used to determine the transaction amount in U.S.dollars for such transactions is generally either a governmental mandated rate or a wholesale ratedetermined by Visa® for the processing cycle in which the transaction is processed, and is furtherincreased by a percentage established from time to time by Visa® The currency conversion rate usedby Visa® on the processing date may differ from the rate that would have been used on thetransaction date or cardholder statement

After it is reported to us, we will disclose the converted transaction amount to you in U.S. dollars onthe next periodic statement we send to you relating to the account inwhich the transaction occurred.9. MISCELLANEOUSA. Severability. If any provision contained in this document is held by a court of competentjurisdiction to be invalid or unenforceable, such provision shall be ineffective to the extent of suchinvalidity or unenforceability only, without in any way affecting the remaining provisions of thisdocument.B.

Term

and

Termination. This document and the agreements embodied herein will remain in fullforce and effect until terminated by you or the Bank. You may terminate this document and theagreements embodied herein at any time by notifying Bank in writing that you wish to do so andreturning the Card to the Bank. You understand that termination of this document and the agreementsembodied herein applies only to your use of the Card and will not serve to terminate any of youraccounts with the Bank. The Bank may terminate this document and the agreements embodiedherein, and/or your use of theCard, at any time for any reason.C. Amendments. We reserve the right to amend the provisions contained in these Debit CardTerms and Conditions and the Debit Card Application to the extent permitted by law at any time.Unless the amendmentmust bemade immediately for security or legal reasons, wewill tell you aboutany amendment that increases your expense or limits the use of your Debit Card at least 21 daysbefore the amendment become effective by written notice to you at the last address we have for yourChecking Account. Your use of the Card after the effective date of any amendment to this documentwill constitute your agreement to such amendment.D. Governing Law; Choice of Forum. If your Card was issued by the Banco do BrasilMiami Branch, this document is governed by the laws of the State of Florida, and anyAction must be brought in a federal or state court sitting in Miami, Florida. You agree thatany Action may be heard and determined in the courts specified in the foregoing sentenceand, to the extent you may effectively do so, you hereby waive the defense of aninconvenient forum to the maintenance of any Action in any such court.E. No Assignment. You may not assign any of your rights or delegate any ofyour obligations under this documentwithout theBank’s priorwritten consent.F. Complete Agreement. This document contains the entire understanding and agreement betweenyou and us with respect to the Debit Card and supersedes any and all previous communicationsbetween you and us, whether verbal orwritten, concerning theDebitCard.G. WAIVER OF JURY TRIAL. YOU AND THE BANK HEREBY KNOWINGLY,VOLUNTARILY, AND INTENTIONALLY WAIVE THE RIGHT EITHER MAY HAVETOATRIAL BY JURY IN RESPECTOF ANY LITIGATION BASEDON, OR ARISINGOUT OF, UNDER, OR IN CONNECTION WITH, THIS AGREEMENT, ANY SERVICEPROVIDED OR TRANSACTION EFFECTED UNDER THIS AGREEMENT, OR ANYCOURSE OF CONDUCT, COURSE OF DEALING, STATEMENT (WHETHER ORALOR WRITTEN), OR ACTION OF EITHER PARTY RELATING TO THISAGREEMENT. YOU ACKNOWLEDGE THAT THIS PROVISION IS A MATERIALINDUCEMENTTOUSTOENTER INTOTHIS AGREEMENTANDTOPROVIDETHECARDTOYOU.

MIAMI BRANCH

VISA®DEBITCARDTERMSANDCONDITIONS

Revised – c r

DEBIT CARD TERMS &CONDITIONSThese Debit Card Terms and Conditions govern your use of the Banco do Brasil DebitCard (“Debit Card” or “Card”) issued to you by the Banco do Brasil M a Branch , andreplacements issued from time to time at our option. By signing a Debit Card Application orotherwise requesting or accepting a Debit Card, you agree to be bound by all the terms andconditions set forth in this document. In this document, the words “you” and “your” refer tothe customer(s) to whom we have issued a Debit Card. The words “we,” “us,” “our” and“Bank” mean only the Banco do Brasil Miami Branch “Checking Account” means yourpersonal checking account at the Bank that you have designated in your Debit CardApplication to be linked to your Debit Card, which will serve as your primary account forpurposes of automated teller machine (“ATM”) withdrawals and other transactions.

You may remove access to your Checking Account or any of your other accounts fromyour Debit Card at any time by notifying us in writing or completing a form available at theBank. However, if at any time there is no account designated for access through your DebitCard, your Debit Card will be deactivated.

This document amends and supplements the various account agreements and otherdocumentation governing your accounts with the Bank and the Bank’s general terms andconditions. If any of the provisions in such other agreements, documentation, and/or termsand conditions are inconsistent with the provisions of this document; this document willgovern to the extent of the inconsistency.

YOUR DEBIT CARD Your Debit Card is issued nac an n r a n a r r ar

may be used to obtain ca h r cha r r c an an r n c nran r r a h r na r n r a ran ac n

c n c n a N M r n a ran ac n ar n c n r aar ran ac n an ar rn h c r n c n ran r r n a r ah ar c r n c n ran r c r car a h c r n

r r h an r n an h Banc Bra h r c h arcar ac a n an N r na n ca n N r n ra n

ac a r ar an r n ra a N r na n ca n N r car n Bra r r h an h r

c n r c h r r n ac a r r c ar anh n r c n n h a a cn r r ac a r ar an r n ra a n N r na n ca nN r h n n r a n r r

r c ar n rh a r r r r n ca n N h ra B r h car h r n r can r a MM

hr c r n r r carra n a a a n r car MM

h n ac a r ar a r a n h r N n n rn a

SERVICES AVAILABLE WITH YOUR DEBIT CARDYou can use your Debit Card to do the following:A. Point-of-Sale Transactions (POS). a r ar rcha rr c a an rchan ca n ha acc a car n h c n hrcha ar ca n a ran ac n an rchan h acc a

car ar ca ar c a n rchan can a n a rcha nr ar h c a a n a h a anc n r h c n

cc n a a a a h h n a ran ac n h a a a a anc nr h c n cc n r r h c n an h a a a a anc n r

h c n cc n an a a a n an r ra r c n a ha hr h c n cc n h a n an an n n a ran ac n

r ar h h r ha ac a a h rcha r h ch h a h r a n an an h r h ac n r h c n cc n cann acc an

acc n h r han r h c n cc n r n a. Electronic Banking Services. You can use your Debit Card plus your Personal

Identification Number (PIN) at any electronic facility (i.e., automated teller machine,point-of-sale terminal or similar electronic device for the completion of financialtransactions) that accepts the Debit Card to perform any of the following transactions, butonly to the extent such transactions are supported by the particular electronic facility inquestion: purchases; cash withdrawals; balance inquiries; and such other transactions andfunctions as may be enabled from time to time. You acknowledge and agree that not allsuch functions will be available through all electronic facilities, and the Bank may changeor discontinue the availability of any such function at any time without notice. You alsounderstand that fees for performing any such functions may be charged by the Bank and/orby the party maintaining the electronic facility through which you conduct any transaction.

C. Over the Counter Withdrawals. You can use your Debit Card to make over the counterwithdrawals from your Checking Account at certain financial institutions that accept theDebit Card. You cannot withdraw funds over the counter from your other accounts by usingyour Debit Card.3. USE OF YOUR DEBIT CARDA. Sign Your Card(s). Since the Debit Card is a means to identify the accountholder andjoint accountholder(s) of the Card you agree to sign the back of the Card immediately uponreceipt. Your card will not be valid without your signature.

B. Point-of-Sale Transactions. For Point-of-Sale transactions, you authorize us todebit your Checking Account for the amount of the transaction, whether or not you sign anysales authorization slip. You acknowledge that all Point-of-Sale transactions will constitute asimultaneous withdrawal from your Checking Account, even though the transaction mightnot be paid from your Checking Account until a later date. Point-of-Sale transactionswill be debited to your Checking Account in a similar manner as checks drawn on yourChecking Account.Participatingmerchants may be required to obtain an authorization from us for certain Point-of-Saletransactions. We are under no obligation to authorize Point-of-Sale transactions for which there arenot sufficient funds available in your CheckingAccount.We have the right to return any check or other item drawn against your Checking Account whichwould overdraw the account due to the hold placed for a Point-of-Sale transactionmade or authorizedusing your Debit Card. We will not be liable for any failure to authorize later Point-of-Saletransactions or failure to pay checks or other items drawn on your Checking Account pendingcompletion of the processing of a previousPoint-of-Sale transaction.Wemay, but do not have to, allow Point-of-Sale transactions, which exceed the available balance inyour Checking Account. If we do, we will treat the amount of as an overdraft. If we authorize atransaction which results, in an overdraft, it does notmeanwewill do so in the future.You do not have the right to stop payment on any Point-of-Sale transaction or on any ATM transaction you perform or which is authorized by you.C. ATM TRANSACTIONS. To the extent enabled by the particular ATM you are using,you may use your Debit Card at an ATM to withdraw cash from your Checking Accountmake payments from your Checking Account up to the established daily limit. You authorizeus to charge any withdrawals by use of your Debit Card to your Checking Account , asapplicable, as though you had specifically signed a withdrawal authorization. If there areinsufficient funds in the account to cover such a withdrawal, you agree that we may treatthe amount of such withdrawal as an overdraft, which you will be obligated to pay us.

TYPES OF DEBIT CARD TRANSACTIONSYoumay use yourDebitCard to:Withdraw cash from your checkingVerify balances of accounts linked to yourDebit Card;Pay for purchases at places that have agreed to accept the card;

Your ability to perform the transactions or access your accounts depend on the location andATM you are using and the network on which the transaction is being performed. A

specific ATMor networkmaynot permit all of the above transactions.

FEESYou agree to pay us the appropriate fees for our products and services, as listed in the Fee Schedule,whichmay be amended at the Bank’s discretion. You authorize us to charge your Checking Account(or any of your other accounts, if there are not sufficient funds in your Checking Account) for any feesdue to us. You also acknowledge and agree that, if you execute a transaction using your Debit Cardthrough another financial institution or through an electronic facility maintained by another institution,suchother institutionmay impose fees in addition to those charged by us.When you use your card at an ATM, you may be charged fees as per our Debit Card Fee Schedule.Fees may be charged for balance inquiries and for transactions, even if the transactions are notcompleted.In addition, ATM operators or any network used, may charge additional fees, for transactions, suchas withdrawals, and balance inquiries. Fees may be charged for balance inquiries, even if you do notcomplete a funds transfer.. OTHER IMPORTANT INFORMATIONA. Termination, Suspension of Limitations of Services. We can terminate or suspend yourright to use the Card at any time with or without cause and without notice. We reserve theright not to replace a lost or stolen Card. If we cancel the Card or it expires, you agree todestroy it or return it to us immediately. If you are asked by a participating merchant orother institution that accepts the Card to surrender an expired or cancelled Card, you mustdo so. You may not use the Card after it has expired or been cancelled, but you will remainresponsible for all amounts owing to us under this document.

participating merchant or other institution that accepts the Card to surrender an expired orcancelled Card, you must do so. You may not use the Card after it has expired or beencancelled, but youwill remain responsible for all amounts owing to us under this document.

B. Who May Use Your Debit Card. You acknowledge that the Debit Card can only beissued to you and any joint accountholder(s) for your Checking Account, and that your otheraccountsmust be held by the same accountholder(s) in order to be accessed through yourDebitCard. You and the joint accountholder(s) (if any) are the only ones authorized to use the DebitCard(s) issued for your Checking Account. You agree that by disclosing your PIN to someone,you are authorizing them to use your Debit Card in the same manner that you can use yourDebit Card. If you have a checking account that is a joint account requiring two or moresignatures, it cannot be designated as your Checking Account for use with the Debit Card. Youunderstand that yourDebitCardmay not be used for any illegal transactions.C. Liability for Unauthorized Transactions.C.1. Unauthorized ATM or PIN Transactions. Please notify us immediately if

your Card is lost or stolen, or if there is, or you suspect there may be, any unauthorized use of your Debit Card or Personal Identification Number (PIN) or any error or improper activity shown on your statement for either your Checking Account or your other accounts. To notify us, contact your Account Officer or call us at on +0-800-729-2220 (from Brazil), +1- - 8 -4612 (from the USA) and +1 407-608-1800 (from other countries), or send an email message to [email protected], as soon as possible.Information regarding your liability for unauthorized Electronic Fund Transfers is contained inthe Electronic Fund Transfer Disclosure (the “EFT Disclosure”). By signing the Debit CardApplication, you acknowledge having received a copyof the EFTDisclosure.C.2. Unauthorized Transactions on the VISA Network. If you notify us about anunauthorized transaction involving yourDebit Card, which was processed on the Visa Networkinvolving your signature, Zero Liability will be imposed on you for the unauthorizedtransaction(s). The Visa’s Cardholder protection policy does not apply to PIN initiatedtransactions not processed by the Visa® Network. If we determine that you were grosslynegligent with your Debit Card, based on substantial evidence, we may increase your liabilityfor unauthorized transactions.We will provide you with provisional credit for unauthorized Visa®transactionswithin n business days from receipt of notification. We may require writtenconfirmation of the unauthorized Visa® transactions, the limit for liability may beincreased.D. Refusal of Debit Card: Terminal Failure. We have no responsibility for the failure ofany ATM machine, participating merchant, financial institution or other party to accept yourDebit Card. We will not be liable if an electronic terminal fails to function for any reason,whether or not this malfunction is known to us, nor will we be liable if your Debit Card hasbeen rejected or confiscated, either at an electronic terminal or through a merchant or financialinstitution, if previously reported lost or stolen and you attempt to use it.E. Disputes. You agree to use your best efforts to settle all disputes about purchases youmadeusing theDebit Card with themerchantwho honored theDebit Card.F. Debit Card Ownership. All Debit Cards are the property of the Bank. You must returntheDebitCard to uswhenwe askyou.G. Overdrafts. We reserve the r ght to refuse any transaction, which would drawupon insufficient funds, exceed an overdraft facility, lower an account below therequired balance or otherwise require us to increase our required reserve on theaccount. We may refuse to honor any transaction for which you do not have sufficientavailable verified funds. Transactions conducted on your Debit Card are limited to theavailable balance in your personal checking account. The Bank may not authorizetransaction(s) that exceed your account balance, to include: POS transactions; cashwithdrawals; checks or payment orders.Any transactions that exceed your available balance may be authorized solely at the Bank’sdiscretion, and the Bank will treat any negative balance as an overdraft on your account. Youraccount will be charged overdraft fees and services charges, as listed in our Fee Schedule,which are payable immediately upon demand. We may deduct the amount of any overdraft inyour account from any positive balance or other account you have with theBank.H. Overdraft Facility. If you have an overdraft line of credit attached to your account andyour Debit Card transactions exceed the amount available in your account, the Bank willautomatically deduct the amount necessary to cover the overdraft transaction(s), from yourexistent Overdraft Facility. Transactions from an established Overdraft Line of Credit aresubject to the terms and conditions contained in the Overdraft Line of Credit Agreement. Wemay but are not required to extend credit in excess of your Overdraft Line of Credit, and anyextension of credit does not obligate theBank to do so again in the future.

1

TERMS AND CONDITIONS OF YOUR ACCOUNT In consideration for opening or maintaining Account(s) at Banco do Brasil, S.A., Miami Branch (“Branch”), you (jointly and severally, if more than one), agree that your Account(s) with the Branch, shall be governed by the additional terms and conditions set forth in this document (the “Agreement”). DEPOSITS MAINTAINED BY YOU WITH THE BRANCH INCLUDING INITIAL AND FUTURE DEPOSITS, ARE NOT INSURED OR GUARANTEED BY THE BRANCH, THE BRANCH’S AFFILIATES, FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) OR ANY U.S. GOVERNMENT AGENCY. IF THE BRANCH OR BANCO DO BRASIL, S.A., WERE TO FAIL, NEITHER THE FDIC NOR ANY OTHER U.S. GOVERNMENT AGENCY WILL HAVE ANY OBLIGATION TO COMPENSATE YOU FOR ANY LOSSES YOU MAY SUSTAIN. 1. Definitions. When used throughout in this document, the following terms shall have the indicated meanings: A. “Account(s)” means any and all account(s) or deposit(s) maintained by Customer with the Branch. B. “Account Opening Application” means the application submitted by you to the Branch to open one or more Account(s) at the Branch. C. “Authorized Person(s)” means any individual whose signature appears on the signature card(s) of an Account. D. “Branch”, “we”, “us”, “our” or “ours” shall mean Banco do Brasil, S.A., Miami Branch. E. “Banking Day” means Monday through Friday. Sundays, Saturdays, holidays, and any other day not a Banking Day in Miami, Florida, U.S. are not Banking Days. F. “Banking Hours” means 9:00a.m. ET to 4:00 p.m. ET during a Banking Day. G. “Customer”, “you”, “your” and “yours”, shall mean the owner or joint owners of any of the Account(s) referred to herein. H. “Office” means the office of the Branch in Miami-Dade County, Florida, USA. I. “Parties” means the Branch and the Customer. J. “United States” or “U.S.” means the United States of America. 2. Information/Documentation on Identity, Source of Funds and Transactions: You shall promptly provide us with such information/documentation as the we may require, at our sole discretion and from time to time, on any of your Account(s) in order to establish and verify: (a) your identity and that of any authorized person on an Account; (b) the identity of any nominal or beneficial owner of an Account; (c) the source of any funds deposited in an Account; and (d) any transaction/activity passing through an Account. You shall promptly notify us of any changes to the information provided. Furthermore, you shall also promptly provide us with all information/documentation as we may require, at its sole discretion and from time to time, to satisfy customer due diligence requirements. 3. Authorized Signature(s) / Authorized Persons: You confirm that the specimen signature(s) appearing on the signature card(s) delivered to us on an Account is/are the genuine signature(s) of the person(s) indicated. Unless otherwise specified in the signature card(s) delivered to us, we are expressly authorized, without limitation, to recognize and rely upon the signature of any Authorized Person of an Account in connection with any payment or withdrawal of funds or the transaction of any other activity with respect to such Account, including without limitation, any changes in the title of the Account or changes of authorized signatures or any release, disclosure and/or production of information, documents and/or records relating to such Account. We are authorized, at our sole discretion, to honor any item drawn or endorsed by any Authorized Person even though the signature thereon does not correspond exactly with the Authorized Person’s specimen signature; however, we are not obligated to honor any item drawn or endorsed by an Authorized Person unless the signature corresponds exactly with the Authorized Person’s specimen signature. We are further authorized to honor as genuine the signature or purported facsimile signature of any Authorized Person. You may change an Authorized Person from time to time by giving us written notice thereof certified by you or, in the case of a corporation, by one of your officers (other than any person to be named Authorized Person in such notice) whose signature shall be verified in accordance with procedures established by us. Any such notice purporting to be certified by one of your officers whose signature is so verified shall be deemed to have been certified by such officer and to have been executed on your behalf and shall be binding upon you. You agree that for a period of no less than five (5) Banking Days after we receive written notification of any change or revocation of Authorized Persons, we shall continue to be authorized to honor any items or instruments bearing the signature of any previously named Authorized Persons on the Account. In any case, we shall not be obligated to accept changes in Authorized Persons on an Account until we shall first have received an appropriately executed resolution or other written document revoking or modifying authorizations as well as appropriate signature cards duly

completed and signed by all new Authorized Persons on the Account. We may, at our discretion, require the closing of an Account and the opening of a new Account in the event any Customer requests a change in the title of an Account or a change as to any Authorized Person. 4. Collection and Deposits: In receiving items for deposit or collection in an Account, we act only as your agent and assume no liability in connection therewith, except for gross negligence. Any item received for deposit or collection in an Account or cashed by any Customer on an Account, or cashed for others on the endorsement of any Customer, will be treated as an uncollected item and held against the Account until final payment is received on such item in cash or unconditional credit acceptable to us. We may, at any time, charge-back an Account any item as to which final payment is not received in cash or unconditional credit acceptable to us. We may refuse to effectuate any transfer or withdrawal from an account or to make payment on any item drawn on an Account against funds held for collection. Any item made payable to us may be deposited to an Account without our notice or endorsement. Deposits may be made in an Account only at our Office. We shall not be deemed to have received any items sent by mail or delivered to us or any of our affiliates or subsidiaries or duly selected correspondents outside of the United States, until we have actually received delivery of same at our Office, during a regular Banking Day and during Banking Hours. Deposits received during regular Banking Hours will not be posted to an Account until the end of the Banking Day. Items received on any Banking Day after 2:00 p.m. shall be deemed received on our next Banking Day. We may at our sole discretion refuse a deposit, limit the amount which may be deposited or return all or any part of a deposit. Items deposited to an Account either by paper check or by electronic image will receive credit and become available for withdrawal or for other use by the Customer in accordance with federal and state law and as outlined in our Funds Availability Policy, as established from time to time. Deposits received by us during non-Banking Hours will be considered to be made in the next full Banking Day. If we accept for deposit into a U.S. dollar denominated Account any funds in a currency other than U.S. dollars, we will convert such funds into U.S. dollars at the conversion rate we use on the date of the conversion. Items deposited in an Account may, at our sole and absolute discretion, be given provisional credit prior to the receipt of final payment. If such provisional credit is given, it may be withdrawn by us at any time before the receipt of final payment of the deposited item. Should we fail to receive final payment on an item for which provisional credit has been given, we shall have the immediate right to charge-back the Account for the amount of such item and to collect the amount thereof directly from you or from any of your other Accounts at the Branch and you shall pay us interest on such uncollected funds, as well as all costs and expenses of collection, including reasonable attorneys’ fees, all of which may be charged directly to any of your Accounts at the Branch. All items and their proceeds may be handled by us through any Federal Reserve Bank and through any correspondent or intermediary of the Branch, in accordance with applicable Federal Reserve rules and applicable law. We will not be liable for the loss of any item in transit unless such loss stems from our gross negligence. You agree to fully cooperate with us in any effort to collect on any lost or missing item. 5. Funds Availability and Substitute Checks Policy. Your Ability to Withdraw Funds Our policy is to make funds from your cash and check deposits available to you on the second business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. If you make a deposit before 2:00 pm on a Business Day, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 pm on any day or on a day that is not a Business Day, we will consider the deposit to be made on the next Business Day. Longer Delays May Apply Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,000 on any one (1) day; • You redeposit a check that has been returned unpaid; • You have overdrawn your Account repeatedly in the last six (6) months; or • There is an occurrence of a Force Majeure (as defined below). We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the fifth (5th) Business Day after the day of your deposit. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (30) days your Account is open. Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. Funds from deposits of

2

cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The remaining balance exceeding $5,000 will be available on the ninth (9th) Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second Business Day after the day of your deposit. Funds from all other check deposits will be available on the ninth (9th) Business Day after the day of your deposit. Substitute Checks and Your Rights What Is a Substitute Check? To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your Account. However, you have rights under other law with respect to those transactions. What Are My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your Account or that we withdrew money from your Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your Account is an interest-bearing Account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to (amount, not lower than $2,500) of your refund (plus interest if your account earns interest) within ten (10) Business Days after we received your claim and the remainder of your refund (plus interest if your account earns interest) no later than forty-five (45) calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your Account. How Do I Make a Claim for a Refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your Account, please contact your Account officer. You must contact us within sixty (60) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your Account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include— A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); An estimate of the amount of your loss; An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and A copy of the substitute check and/or the following identifying information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check. 6. Payment of Items: We may, at our discretion, refuse payment of, and return as unpaid, any item drawn on an Account if the balance of collected funds in the Account is insufficient to pay the total amount of such item, and a service fee will be charged against the Account for the processing and return of the item. We accept no responsibility for the payment of items which are presented the same Banking Day on which deposits are made to an Account, unless there is already a sufficient balance of collected and readily available funds in the Account to pay the total amount of such item. Payment of an item may be refused by us, at our sole discretion, if the item is written in pencil, illegible, improperly prepared, stale or post-dated, presented beyond the date of payment, contains a double endorsement or is not negotiable for any reason. 7. Endorsements: We may, at our discretion, accept any item endorsed for deposit to an Account and such endorsements may be made manually, with type, by stamp, or otherwise; and any such endorsement will be treated as genuine in all respects and as warranting and guaranteeing all prior endorsements thereon. The deposit of any item may, at our discretion, be refused if it is endorsed in pencil, if

improperly prepared, if illegible or if the item contains a double endorsement. Any item payable to a Customer may be deposited in and credited to an Account without being endorsed by the payee(s) if the Account title is in the same name as the payee. We shall have no liability to you in connection with delays or errors in the return of any item deposited to an Account when the error or lateness is caused by markings on the item made by or on behalf of Customer or a prior endorser in the area of the item reserved for the depository bank endorsement. 8. Substitute Checks: When you draw a check on an Account you may receive back from us a substitute check instead of the original check. Similarly, when you deposit a check in an Accounts, if the item is not paid you may receive from us a substitute check instead of the original. A substitute check is a paper copy of the front and back of the original check, which is slightly larger than a standard personal check so that it can contain a picture of your original check. A substitute check must be printed in accordance with very specific standards imposed by United States law. A substitute check is the legal equivalent of the original check if it accurately represents the information on the original check and includes the following statement: “This is a legal copy of your check. You can use it the same way you would use the original check.” Unless we specifically permit you to do so, at our sole discretion, you may not deposit in an Account any substitute check that has not been created or previously transferred/presented for payment by a bank (see Section 3(2) of Check 21 Act; 12 USC 5002(2)) in the U.S. check collection process. This means that, unless we enter into a specific agreement with you to do so, you cannot deposit in an Account, among others, a substitute check that is created by: (a) an individual; (b) a nonbank entity; or (c) a foreign bank outside the U.S. check collection process. 9. Internet Banking Services: Your access to and use of Internet Banking Services (“Internet Banking”) is granted to you upon your account opening and shall be governed by the terms and conditions of the separate Bank’s Electronic Banking Services Agreement and Disclosure Statement for Individual accounts and BB USA Internet Banking User Agreement for Business Account. If you do not have access to use of certain Internet Banking services offered by us, a request may be made to us by completing a written application form for internet banking services. 10. ACH Debits and Credits: From time to time, originators that Customer authorizes may send automated clearinghouse (ACH) credits or debits for Customer's Accounts. These ACH transactions may include transactions that Customer may initiate by check but which a merchant or other payee converts to an electronic debit whether the check is presented at the point of sale or mailed to a merchant or other payee. For each ACH transaction, Customer agrees that the transaction is subject to the National Automated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules then in effect. Customer agrees that we may rely on the representations and warranties contained in these operating rules and either credit or debit your Account, as instructed by the originator of the ACH transaction. Customer should avoid sharing Customer's Account number with third parties to help prevent unauthorized transactions on Customer's Accounts. Customer must notify us immediately of any unauthorized activity appearing in the Customer’s Account(s). 11. ACH Stop Payment Orders: From time to time, we may receive Automated Clearing House debits to Customer’s Account from senders Customer previously authorized to debit Customer’s Account. Customer may ask us to stop payment on a future ACH debit to Customer’s Account if the item has not already been paid (an “ACH Stop Payment”). Customer is responsible for notifying Customer's sender that Customer has revoked Customer's previous authorization for ACH debits. For an ACH Stop Payment order, we also need information such as: Customer's name and telephone number and the type of Account (demand deposit, money market, etc.). We may also need the date on which a prior ACH debit from this sender was posted to the Account so that we can obtain the sender name and sender identification number used by the Customer's sender and printed on Customer's statement. Otherwise, Customer must provide us with the company name and company identification number. A request for ACH Stop Payment will be effective for a maximum period of six (6) months, but a renewal may be requested in writing prior to the expiration of the six (6) month period. Renewals may be granted in our sole discretion. Each renewal is treated as a new ACH Stop Payment order. If Customer wants the ACH Stop Payment order to expire in less than six months, Customer must cancel the ACH Stop Payment order on or before the date Customer wants it to expire. Customer may cancel an ACH Stop Payment order by mail. Customer's request to cancel the ACH Stop Payment order is not effective until we have a reasonable opportunity to act on it. We will cancel the ACH Stop Payment order automatically when the Account on which the item is drawn is closed. No ACH Stop Payment request, nor the renewal or revocation thereof, shall be valid or effective unless it: (a) is in writing and is signed by Customer (or if more than one Customer, any one of them) or any Authorized Person on the particular Account, (b) specifies the Account number and the date and amount of the ACH debit (we may also require the name of the person who authorized the ACH debit

3

and the name of the party to whom the ACH debit was made payable), and (c) is delivered to the our Office on a Banking Day during regular Banking Hours with sufficient time to provide is with the opportunity to act. 12. Accounts and Account Limitations: We offer the following types of Accounts subject to the restrictions, limitations and applicable fees specified herein, which we reserve the right, at our discretion, to change from time to time: A. Demand Deposit Account (DDA Account): In order to establish a banking relationship with us you must first open a Demand Deposit Account with the Branch. • Definition of Account: This type of Account is a transactional account that has a minimum balance requirement and unlimited debit and check-writing privileges. DDA Accounts are generally non-interest bearing Accounts. Notwithstanding the foregoing, the Branch may, at its sole and absolute discretion, offer interest-bearing DDA Accounts to its Customers, on a case- by-case basis and from time to time on such terms and conditions acceptable to the Branch in its sole and absolute discretion. Funds in your DDA Account will be made available to you in accordance with our Funds Availability Policy. • Minimum Balance Requirements: We will require a minimum average daily balance to open and maintain a DDA Account, which minimum average daily balance may be changed by us from time to time. • Maintenance Fees: There will be a maintenance fee on a DDA Account, which will be debited in every calendar month, according to BB Miami Fee Schedule, that may be changed by us from time to time. • Interest-Bearing DDA Accounts: Most DDA Accounts do not earn interest. Notwithstanding the foregoing, the Branch may, at its sole and absolute discretion, offer interest-bearing DDA Accounts to its Customers, on a case-by-case basis and from time to time on such terms and conditions acceptable to the Branch in its sole and absolute discretion. For more information on interest rates and annual percentage yields for interest-bearing DDA Accounts, please refer to Paragraphs 12(E) and 13 of this Agreement and visit our website for terms and conditions or call your relationship manager. B. Money Market Accounts (MMA Accounts): • Definition of Account. This is an interest-bearing Account subject to specific transfer/withdrawal restrictions. You may make unlimited withdrawals in person from an MMA Account. However, under federal regulations, the number of withdrawals you may make from an MMA Account by check or pre-authorized or automatic transfer is limited to a combined total of no more than six (6) per month (whether resulting in the transfer of funds to a third party or to another Account belonging to you or to any of you), and of those six (6) withdrawals or transfers per month no more than three (3) may be made by check or draft. We reserve the right to impose a penalty for violations of these limitations, including (without limitation), nonpayment of interest in the MMA Account that month. Moreover, federal regulations may require us to revoke your check- writing privileges or to terminate your Money Market Account in the event that you continue to violate these limitations. If you repeatedly are in violation of this section, we may convert your MMA Account to a DDA Account. We reserve the right to require at least seven (7) days’ written notice prior to withdrawal of funds from an MMA Account. • Minimum Balance Requirements: We will require a minimum average daily balance to open and maintain a Money Market Account, which minimum average daily balance may be changed by us from time to time. If the average daily balance on an MMA Account falls below the minimum balance requirements during any calendar month we will not pay interest on the funds deposited in the MMA Account during that calendar month. Interest accrued on the balance of an MMA Account shall be credited to such Account on the last Business Day of each calendar month. C. Time Deposit Accounts: • General Information and Time Requirements: With a Time Deposit Account, you authorize us to debit your Demand Deposit Account (DDA), open a Time Deposit account and to keep your deposit with us for a specific period of time called the “term”. The last day of the term is the “maturity date.” The maturity date is the first day you may withdraw funds without paying an early withdrawal penalty. Whenever you establish a Time Deposit Account, a written confirmation of the amount of principal, opening date, maturity date and the rate of interest to be paid, will be reflected on the Statement of Account sent via mail and in the Internet Banking. We offer Time Deposit Accounts with interest paid at maturity. • Minimum Requirements: We will require a minimum deposit amount to open and maintain a Time Deposit Account, which minimum requirement and term may be changed by us from time to time. • Interest Calculation: The Time Deposit Account will earn simple interest based on an Interest Rate and Annual Percentage Yield (APY) calculated using the Daily Balance Method. Interest will be paid at maturity of the Time Deposit Account. Nevertheless, we reserve the right, at our sole discretion and from time to time, to change the interest rate and Annual Percentage Yield (APY). • Early Withdrawal Penalties: When you open a Time Deposit Account, you agree

to keep the principal on deposit with us for the term you have selected. We are not required to permit an early withdrawal from a time deposit, and if we do, we may impose a substantial penalty if you withdraw any principal before the maturity date. Notwithstanding the foregoing, if you cancel a Time Deposit or withdraw a portion of its principal within six (6) calendar days from the date of the establishment of the Time Deposit, we will allow such cancellation or withdrawal without payment of any accrued interest and without penalty. Any early withdrawal of principal at any time after the aforementioned sixth (6th) calendar day and before the “maturity date”, will be subject to an Administrative Fee as per BB Miami Fee Schedule and a penalty which shall be determined as follows: (a) if the original term of the Time Deposit is less than one (1) year, the penalty will be thirty (30) days’ interest on the principal withdrawn; or (b) if the original term is one (1) year or greater, the penalty will be sixty (60) days’ interest on the principal withdrawn. Notwithstanding the foregoing, we may, at our sole and absolute discretion, waive the withdrawal penalty if the Customer dies or is declared legally incompetent. • Automatic Renewal: There will be no Automatic Renewal unless renewal instructions were provided at the time of the original deposit term. If renewal instructions were given, the Time Deposit will be renewed automatically and successively for a period of its original term, under the condition that your Demand Deposit Account is active. In case you have not established renewal instructions and you wish to renew your Time Deposit, we must receive the instructions in writing via facsimile, telephone, e-mail or via Internet Banking at least three (3) Business Days prior to the maturity of the Time Deposit Account. The renewal will be at the rate of interest prevailing on the renewal date and for a period equal to the previous term of the Time Deposit Account. We reserve the right not to renew the Time Deposit, as we may deem appropriate under the circumstances at our sole discretion. You may deposit additional funds (in increments of not less than $5,000.00) in an existing Time Deposit Account, provided that such additional funds remain deposited for at least seven (7) days prior to the maturity date of the Time Deposit. The maturity interest will be added to the principal balance of the Time Deposit Account upon renewal. D. International Banking Facility (IBF) Time Deposits: If you are not a resident of the U.S. for tax purposes, you may establish an International Banking Facility (IBF) Account with the Branch. To establish a Time Deposit in the International Banking Facility, federal regulations require a minimum maturity, or required notice period prior to withdrawal, of two (2) Business Days. Additionally, federal regulations will not permit a deposit or withdrawal of less than US$100,000, except for a withdrawal of interest earned or to close the Account. It is policy of the Board of Governors of the Federal Reserve System that, with respect to non-bank customers, deposits received in an International Banking Facility may be used only to support the non-U.S. operations of a depositor (or its foreign affiliates), located outside of the United States and that extensions of credit from an International Banking Facility may be used only to finance the non-U.S. operations of a depositor (or its foreign affiliate) located outside of the U.S. We may permit you to withdraw all or a portion of an IBF Time Deposit prior to its maturity date. Any such early withdrawal will be subject to an early withdrawal penalty described in Paragraph 12(C), above. An IBF deposit must, however, remain on deposit with us for a minimum of two (2) Business Days, and we reserve the right to not permit any withdrawals prior to the passage of two (2) Business Days. E. Accounts, Products and Services: The Branch may offer new, discontinue and/or convert Accounts, products and services from time to time and in its sole and absolute discretion. The types of Accounts, products and services we offer may vary depending on the specific Customer, Account location or channel through which the Account, product or service is opened or maintained. In determining which Accounts, products or services we may offer to you from time to time, we may consider your relationship with us, whether you have other Accounts with us, your balances with us in your other Accounts and how you use services that we offer with your Accounts. We occasionally offer special promotions on specific Accounts, products and services and/or to specific Customers. These offers do not apply to all Accounts, products, services, Customers, or methods of Account opening. 13. Interest Information / Calculation: Your interest-bearing Account(s) will earn simple interest on the collected balance during any calendar month, except when the average daily balance of an MMA Account is below the required minimum. The Annual Percentage Yield (APY) calculation for interest on the funds in your interest-bearing Accounts will be computed on a 360-day basis, depending on the actual number of days the collected funds are on deposit. To determine the amount of interest to be paid to your Account, we use the Daily Balance Method. This method applies a daily periodic rate to the collected balance in the Account each day. Notwithstanding the foregoing, we reserve the right, at our sole discretion, to change the interest rates and Annual Percentage Yield (APY) on any interest-bearing Account. At our discretion, we may change the interest on your MMA Account daily. The interest rate and annual percentage yield we offer on the

4

same type of Account may be higher or lower based on the specific Customer, Account location or channel through which the Account is opened. We may also consider your relationship with us in setting interest rates on your Account, such as whether you have other Accounts with us, your balances with us in your other Accounts and how you use services that we offer with your Accounts. We occasionally offer special promotions on specific Accounts and/or to specific Customers. These offers do not apply to all Accounts, Customers, or methods of Account opening. For current interest rates and Annual Percentage Yields (APY), visit our website for terms and conditions or call your relationship manager. Interest is credited to your Account monthly. Interest begins to accrue when we receive credit for the funds deposited to the Account. We receive credit for cash, electronic payments and the deposit of our check on the same Banking Day the cash or check is deposited into the Account. We receive credit for checks drawn on other financial institutions based on the availability schedule established by the Federal Reserve Bank of Atlanta. The balance in an interest-bearing deposit Account for which we have received credit is called the collected balance. We may not pay interest on funds deposited by a check which is returned unpaid. Interest will not be paid if your Account is closed before accrued interest is credited to the Account. 14. Pay-on-Death and Transfer-on-Death Accounts: Unless the Branch agrees in writing to a different arrangement, if an Account is opened “in trust for”, or to be paid or transferred on death to, one or more beneficiaries (or is opened in substantially the same manner), it is considered to be a “pay-on-death account” under Section 655.82, Florida Statutes. With respect to any such pay-on-death account, the Customer (not the beneficiary(ies)), can withdraw money or other assets, or close the account, at any time. However, if any Customer dies (or, if there is more than one Customer, all of the Customers die), ownership of the cash in a pay-on-death account passes to the beneficiary(ies). The Branch may pay to the beneficiary(ies) any cash in a pay-on-death account at the time the Customer dies (or if there is more than one Customer, the last surviving Customer dies) after all conditions imposed by the Branch (at its sole discretion) to such payment, including without limitation those conditions relating to the payment of any federal and/or state inheritance, gift, or estate or other taxes, have been fully satisfied. If the beneficiary dies (or, if there is more than one beneficiary, if all of them die) before the death of the last surviving Customer, then the above- mentioned pay-on-death or transfer-on-death feature of a pay-on-death account automatically terminates. No beneficiary can claim a joint account unless all of the Customers have died. If more than one beneficiary is named, only those who remain alive after all of the Customers have died will have a claim to the Account. If more than one beneficiary outlives all of the Customers, each of such beneficiaries may be treated as owning or claiming an equal share of a pay-on-death account. The Branch may pay any such share to the beneficiary in question without any resulting responsibility or liability to the other beneficiaries. Any payment to be made to any beneficiary hereunder may be made, in the Branch’s sole discretion, to such beneficiary directly or to whomever the Branch believes to be his or her guardian or other appropriate legal representative; provided that any payment to be made to a beneficiary who has not reached eighteen (18) years of age shall (a) if all such payments to such beneficiary do not exceed US$15,000 (or such other amount as may hereafter be provided under Florida law), be made to whomever the Branch reasonably believes is the natural parent of such beneficiary having custody of him or her; or (b) if all such payments to such beneficiary do exceed US$15,000 (or such other amount), be made to whomever the Branch reasonably believes to be a guardian of such beneficiary duly appointed by a court of competent jurisdiction. The receipt or acquiescence of any Customer (or upon the death of all of the Customers, of any of the beneficiaries) to any payment made from the Account shall be a valid release to us and will discharge us of any responsibility to all Customers and/or beneficiaries relevant to such payment. The designations of beneficiaries made in the Account Opening Application may be canceled or changed only by means the execution and delivery to the Branch of a Pay on Death/ Transfer on-Death Agreement, executed by all of the owner(s) of the pay-on-death account and its acceptance by the Branch. The beneficiary(ies) shall provide the Branch with any documentation to evidence or establish the death or any Customer, the identity of the beneficiary and the payment of any taxes. Any federal and/or state inheritance taxes and any related charges or fees may be paid by the Branch, at its election, from the cash or non-cash assets held in the Accounts prior to the distribution of such assets to the beneficiary(ies). You hereby agree to jointly and severally indemnify the Branch and its affiliates, agents, officers, directors, employees, attorneys, successors and assigns (collectively, the "Indemnified Parties") against, and jointly and severally defend and hold them harmless from, any claims, losses, liabilities, and expenses of any kind, including attorney’s fees, suffered or incurred by the Indemnified Parties in connection with the provisions of this paragraph, any payments made by the Branch to any beneficiary(ies), and/or any other actions taken by any of the Indemnified Parties pursuant to this Agreement or in accordance with Section 655.82, Florida

Statutes. The Indemnified Parties' rights under this paragraph are in addition to all of their other rights and remedies under the applicable law. 15. Joint Account: If an Account is in the name of more than one individual, we shall treat the joint Account as a joint tenancy with right of survivorship and not as a tenancy in common (“Joint Account”). A Joint Account is an Account that is owned by two (2) or more individuals with right of survivorship. You agree that if your Account was opened by two (2) or more individuals it is a Joint Account, unless all Customers for such Account have given the Branch written instructions to the contrary. If yours is a Joint Account, you agree that (unless you elected, in the Account Opening Application, not to exercise signing authority when acting alone) any one of the Account owners may endorse, deposit, or cash checks which are payable to any or all of the Account owners and any of the Account owners is authorized to act for the others (and the Branch may accept instructions regarding the Account from any of them). Each of you will be liable to the Branch for all charges and overdrafts created in this Account. In effect (unless you elected, in the Account Opening Application, not to exercise signing authority when acting alone), any of the Account owners may control the Account as if it were owned by that Account owner individually. If a check is returned unpaid, each of you is liable to the Branch regardless of who deposited or cashed the check. Upon the death of any of you, the monies on deposit or other assets in the Account will belong to the survivor(s). The Branch may require the survivor(s) to produce legal documents before releasing the monies on deposit or other assets, however, and may condition any such release upon the full satisfaction of the requirements of Paragraph 17 of this Agreement. Each of you may approve statements of Account and obtain information regarding the Account, and may order payment stopped on any items drawn against the Account. Each of you (unless you elected, in the Account Opening Application, not to exercise signing authority when acting alone) may pledge, assign, or grant a security interest in the Account or any or all amounts therein (whether to secure indebtedness of the signatory or of one of more third parties), may otherwise deal with any securities and other property at any time or times held by the Branch and belonging to you, and may issue checks and drafts against the Account. Although the Branch shall have no obligation to notify any one or more of you regarding any change to or other action concerning the Account made or taken by another of you, the Branch may in its sole and absolute discretion, notwithstanding any other provision of this paragraph, require the signatures of all of you in order to pay any item or take any other action relating to the Account, if the Branch has received conflicting demands or instructions from any of you, has received an instruction seeking to change the title of (or restrict the payment or transfer of funds in) the Account, or has concluded for any other reason, in the Branch’s discretion, that signature of all of you is required for the Account. In the event of the death of all of you, the Bank is authorized to transfer or pay any monies in the Account to or to the order of any personal representative or executor of any of you (without regard to the original ownership of the monies deposited); provided, however, that the Branch may condition any such payment upon the full satisfaction of the requirements of Paragraph 17 of this Agreement. If a Joint Account is in the name of a husband and wife, we shall treat such Joint Account as a tenancy by the entireties rather than a Joint Account; however, such tenancy by the entireties will nevertheless be subject to the provisions for Joint Accounts set forth herein. 16. Security Procedures / Record of Telephone Communications: To provide better services and for your protection, the Branch may (but is not required to) record, electronically or otherwise, any telephonic communications between you or any Authorizer Person and the Branch, that relate to or affect your transactions and activities with the Branch. Customer gives his/her/its prior consent to these recordings, and it is the parties’ intent that this prior consent be the prior consent to such recording, if any, required under applicable state law. The Branch may retain these records for as long as it deems appropriate and may destroy them at any time in its sole discretion. We may disclose the contents of such records at such times, to such persons, and for such purposes as we deem appropriate in our sole discretion. The decision to record any telephonic communication shall be solely within the Branch’s sole discretion and the Branch has no liability whatsoever for failing to do so. 17. Customer Death: If any owner of an Account dies, we must be provided with a certified copy of the death certificate and any other document which in our sole discretion may be necessary to establish the ownership of the Account before we release the balance in the Account to any survivor or to the estate of the decedent or to any beneficiary of the Account. However, you agree that we shall have no obligation to release such balance or any part thereof or any other asset of the decedent, unless and until we are fully satisfied, in our sole judgment, that we will have no resulting liability or potential liability for any estate tax, gift tax, or similar tax under the federal law of the United States or under any other applicable law of any jurisdiction. 18. Certification of Foreign Status or Tax Identification Number: Every Authorized Person on an Account must: (i) independently certify his, her or, in the

5

case of a corporation, partnership, trust, or other entity not organized under the laws of the United States, its status as a non-resident alien for United States income tax purposes by providing a completed Internal Revenue Service Form W-8BEN or other appropriate Form W-8 series form; or (ii) certify the accuracy of his, her or, in the case of a corporation, partnership, trust, or other entity organized under the laws of the United States, its U.S. tax identification number by providing a completed Internal Revenue Service Form W-9. Alternatively, the above certifications may be provided on any substitute Form W-8BEN or substitute Form W-9, as the case may be. A Customer’s certification of non-resident alien status for United States income tax purposes must be renewed by the last day of the third calendar year following the year in which the certification is signed. If we do not have a current certification for each Customer in any interest-bearing Account, we will not pay interest on that Account until the properly completed certification is received by us. We reserve the right to close an Account or to refuse any transaction to or from the Account if the certification forms are not filed with us or are not timely renewed. If a Customer who has certified non-resident alien status for United States income tax purposes at the time of opening an Account with us later becomes a U.S. Citizen or resident for United States income tax purposes, written certification must be given to us within ten (10) days of the change in status, on a form to be obtained from us. We will report the interest earned on each Account owned by the Customer and will also backup withhold, unless the Customer provides us with the required certifications. You will indemnify us from any liability, loss or penalty that we may incur as a result of your failure to comply with these requirements. 19. Insufficient Funds/Overdrafts: We will generally not pay items such as ATM or one-time debit card transactions when the balance of collected funds in your Account is insufficient to pay such ATM or one-time debit card transaction(s). We will also not charge a service fee for processing and declining such item. In cases where we do pay ATM or one-time debit card transactions that would result in an overdraft of your Account, we will not assess an overdraft fee. With respect to items other than ATM or one-time debit card transactions, we are not required to pay these items when doing so would result in an overdraft on your Account and you agree to pay a service charge for the processing and return of such item(s). If we, at our sole discretion, agree to pay an item other than an ATM or one-time debit card transaction that would create an overdraft on your Account, we may charge and deduct a flat minimum overdraft fee (set forth from time to time in our Fee Schedule) from your Account, and you agree to pay the overdraft balance and the overdraft fee within five (5) calendar days from the date of the overdraft. While any of your Accounts remain in overdraft due to items other than ATM or one-time debit card transactions, we will charge you interest. Such interest will be charged on the amount of the overdrafts caused by items other than ATM or one-time debit card transactions. Such interest will be at the fluctuating per annum rate equal to two percent (2%) (subject to change at any time, but not to exceed four percent (4%)) above the rate which the Branch designates from time to time as its prime or reference rate of interest, in addition to the flat minimum overdraft fee set forth from time to time in our Fee Schedule. This rate will change each time a new prime or reference rate of interest is so designated by us. Such interest will be calculated on the basis of a 360-day year for the actual number of days elapsed, and will be charged to any of your Accounts on the last Business Day of each month. If you maintain more than one (1) account at the Branch, you agree that, in the event of an overdraft balance in an Account, the Branch shall have the right, at its sole discretion, to set-off against or charge to any Account you may have with us, the amount of the overdraft without the prior notice to or the consent of the Customer. For overdrafts caused by items other than ATM or one-time debit card transactions, the Branch shall also have the right, at its sole discretion, to set-off against or charge to any Account the amount of interest due on such overdraft and the minimum overdraft fee, without the prior notice to or the consent of the Customer. In order to provide funds with which to pay an item presented for payment on an Account or to cover an overdraft in an Account, we may, at our sole discretion, transfer funds from one Account of yours to another Account of yours, regardless of whether either Account is joint or single and/or a Demand Deposit, Money Market, or a Time Deposit Account; however, in the absence of a specific written agreement to the contrary with you, we shall be under no obligation to provide funds from another Account. If you maintain an overdraft credit facility with the Branch to secure the payment of any overdraft, any interest accruing thereon and any fee therefore, you hereby grant us the pledge and security interest set forth in Paragraph 37 of this Agreement. The term “prime rate” shall be the rate of interest per annum announced by the Branch from time to time as its prime interest rate. It is the intention of the parties hereto that the provisions herein and all agreements between the Customer and the Branch shall not provide directly or indirectly for the payment of a greater rate of interest or the retention of any other charge than is allowed by governing law. If, from any circumstances whatsoever, the fulfillment of any obligation hereunder, or of any other agreement between Customer and the Branch, at the time performance of such obligation shall be due, shall cause the effective rate of interest upon the

sums evidenced hereby to exceed the maximum rate of interest allowed by governing law, then the obligation to be fulfilled shall be automatically reduced to the extent necessary to prevent the effective rate of interest hereunder from exceeding the maximum rate allowable by governing law, and to the extent that the Branch shall receive any sum which would constitute excessive interest, such sum shall be applied to the reduction of the unpaid principal balance due hereunder and not the payment of interest or, if such excessive interest exceeds the unpaid balance of principal, the excess shall be refunded to the Customer and Customer agrees to accept such refund. This provision shall control every other provision of all agreements between the Customer and the Branch. 20. Prohibited Pledge or Encumbrance: You cannot pledge and/or encumber an Account or any interest therein without our prior written consent, which must be obtained after reasonable written notice has been given to us of such intended pledge or encumbrance. Any such pledge and/or encumbrance must be effectuated through a written instrument acceptable to us in form and substance. You cannot transfer legal or beneficial ownership of an Account without our prior written consent except as a result of death, bankruptcy, divorce, marriage, incompetency, or judicial attachments. No transfer or assignment of an Account shall be valid unless notice of the assignment has been given to us in written form satisfactory to us, and then only after the Branch has given written approval and has had reasonable time to record the transfer or assignment on its books and records. 21. Stop or Hold Payments: You may request in writing the stop payment of an item, or the conditional hold payment (until its date) of a “post-dated” item, if the item has not already been paid (hereinafter collectively a “Stop Payment”). No Stop Payment request, nor the renewal or revocation thereof, shall be valid or effective unless it: (A) is in writing and is signed by Customer (or if more than one Customer, then any one of them) or any Authorized Person on the particular Account, (B) specifies the Account number and the number, date, amount and payee of the check, and (c) is delivered to our Office on a Banking Day during Banking Hours with sufficient time to provide us with the opportunity to act. A Stop Payment received by us during Banking Hours will be posted to the Account after the close of our Banking Day. If the Stop Payment is received after 2:00 p.m. ET, the Stop Payment will be posted on the next Banking Day. A request for Stop Payment will be effective for a maximum period of six (6) months, but a renewal may be requested in writing prior to the expiration of the six (6) month period. Renewals may be granted at our sole discretion. Each renewal is treated as a new Stop Payment order. If Customer wants the Stop Payment order to expire in less than six months, Customer must cancel the order on or before the date Customer wants it to expire. Customer may cancel the Stop Payment order in writing. Customer's request to cancel the Stop Payment order is not effective until it is received by us and we have a reasonable opportunity to act on it. We will cancel the Stop Payment order automatically when the Account on which the item is drawn is closed. If the item is presented for payment after the Stop Payment request expires, we may pay the item. If we pay an item for which a valid and effective Stop Payment request was received, we will not be liable to you for any indirect or consequential damages. You agree not to hold us responsible if the item is paid because of misidentification so long as we have followed its usual procedures for handling a Stop Payment order. By requesting a Stop Payment, you agree to: (i) reimburse us for any loss that results from nonpayment of the check; (ii) cancel the Stop Payment promptly and in writing if the check is destroyed or otherwise taken out of circulation; (iii) notify us in writing before you issue a replacement for the check; and (iv) write on the face of the new check the word “Replacement” and a number and date different from that of the original check. 22. Stale-Dated, Post-Dated and other Checks: If a stale-dated check (that is, one which is more than six (6) months old) is presented for payment against an Account, we may pay the check or return it at our sole discretion. Furthermore, if a post-dated check is presented for payment against an Account or a check is presented which contains an expiration date, we may pay the check or return it at our sole discretion. This provision will apply to any check which contains an expiration date, including, a check which contains a legend on the face of the check stating: “Void after [any specified date or time period].” It is your duty to notify us in writing of your issuance of any post-dated check prior to its presentment for payment, giving a complete description of the item, including the payee, the date, the check number, and the amount of the check; in the absence of such written notice, we shall not be liable for paying any post-dated check before the date written on the check, or in the case of a check with an expiration date, after its expiration date. A charge may be made for each such item issued by the Customer. 23. Statements of Account: We are authorized and directed to mail for each Account, to your last known address and at the close of each calendar month for each Account (as determined by us from time to time), a statement pertaining to the Account activity for the preceding month (“Statement(s)”). We shall have no

6

liability for the safe delivery of Statements and accompanying items and documents mailed to you. If any Statement is returned to us because of an incorrect address, we may stop sending Statements to you until you have rectified the address. You agree to exercise reasonable care by promptly examining each Statement and the accompanying copies and documents upon receipt, and promptly reporting to us any problem, irregularity or error in the Statement or in the Account indicated in the Statement or evidenced by any of the accompanying copies or documents, and particularly, any problem, irregularity or error relating to any payment, transfer, withdrawal, debit or credit in the Account. Because you are in the best position to detect problems, irregularities or errors of Account, unauthorized signatures, endorsements or alterations of items, you shall be: (a) deemed to have agreed to the correctness of a Statement, (b) fully precluded from asserting any dispute or difference as to a Statement and (c) fully precluded from asserting any claim or cause of action against us for any payment, withdrawal, debit or transfer described in a Statement or evidenced by any of the accompanying copies or documentation if: (i) you fail to exercise reasonable care in delivering written notice to us at our Office of any alleged problem, irregularity or error within twenty (20) calendar days after the Statement, items or documentation shall have been mailed or made available to you, whichever is earlier, or (ii) the item was forged so cleverly (as by unauthorized use of facsimile machine or otherwise) that the forgery or alteration could not be detected by us. If you fail to provide such notice, you shall also be precluded from asserting against us any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the time period mentioned above lapsed, but before we receive notice. You shall not be relieved of this obligation by reason of the fact that the Statement and accompanying copies and documents have been placed on E-Statement arrangement; you being under an affirmative obligation to retrieve at our Office or access on-line such Statement and accompanying copies and documents on the date that the Statement and accompanying copies and documents are customarily sent or made available, to promptly review them and to deliver written notice to us of any alleged problem, irregularity or error within the twenty (20) calendar day period specified above. Similarly, you shall not be relieved of this duty by reason of the fact that any Statement and accompanying copies and documents were not received or made available to you, unless you shall notify us in writing of your non-receipt thereof within twenty (20) calendar days from the date they are customarily sent or made available. 24. E-Statements: When made available by the Bank, you may elect, in writing, to instruct us to make your monthly Statement and accompanying items and documents available to you exclusively in electronic form (collectively “E-Statement(s)”) via our internet services. You understand that by electing to receive E-Statements, you shall not receive any Statements or copies of checks, except as otherwise provided herein. Notwithstanding the foregoing, we shall have the right, at its sole discretion, should it deem it necessary or advisable in order to protect, maintain and/or assert any of our rights in regards to you, the Account(s) or any of your transactions with us, or for any other reason, to mail, send and/or deliver any Statements as well as checks, items, debit memos, and/or credit memos in printed form to you at your last known address appearing in our records. You expressly agree and acknowledge that by electing to utilize E-Statements you are not relieved of your obligation to carefully review and examine each E-Statement immediately upon receipt, and to promptly report to us any problem, irregularity or error in any E-Statement or in any items or documents accompanying same, and particularly any problem, irregularity or error relating to any payment, transfer, withdrawal, debit or credit in the Account(s), pursuant to Paragraph 23 of this Agreement. You agree and acknowledge that you are under an affirmative obligation to access and review the E-Statement on the date that an E-Statement is customarily made available to you via our internet service. You agree and acknowledge, as set forth in Paragraph 23 of this Agreement, that you shall be fully precluded from asserting any dispute or difference as to any E-Statement and from asserting any claim, demand or cause of action against us for the payment of any item listed or evidenced by any E-Statement, unless we receive written notice from you of the alleged problem, irregularity or error within twenty (20) days of the date that such E-Statement is made available to you. Customer shall not be relieved of the duty to examine any E-Statement by reason of the fact that such E-Statement was not made available to you via our internet service, unless Customer notifies us, in writing, of the non-availability of such E-Statement within twenty (20) days of the date the E-Statement is customarily made available. Except as otherwise required by law, we shall have no obligation whatsoever to notify you about the availability of any E-Statement posted by us hereunder. We may terminate the E-Statement arrangement at any time. 25. Power-of-Attorney: We may, at our sole discretion, accept or act upon your designation of an attorney-in-fact to operate or transact business through an Account. Any instrument or document purporting to constitute a grant by you of a power-of-attorney or other authorization to any other person or entity relating to an Account must be in the Power-of-Attorney form required by us. Without limiting

the generality of the foregoing, we, in our sole discretion, may or may not honor or accept a Power-of-Attorney sought to be used to open or close an Account or to deposit or withdraw funds from an Account or to supply endorsements on checks or any other items. If and to the extent that we determine to honor a Power-of-Attorney, we shall be entitled to rely thereon and shall not be liable to you by acting in reliance thereon, provided that any action taken by us occurs before we receive and have reasonable opportunity to act upon a written: (a) revocation of the Power-of-Attorney; (b) notice of your death; or (c) notice that you have been declared legally incompetent. 26. Forms & Checks: We will arrange for the printing of all checks, deposit slips, Stop Payment requests and other forms and documents necessary for the handling and operation of an Account (“Account Form(s)”). We shall not be required to accept any document or instrument other than an Account Form with reference to any transaction pertaining to an Account, unless we, at our sole discretion, have agreed in writing with you to accept such instrument or document. You shall maintain custody and control of all checks and checkbooks received from us relating to an Account in a safe and sound manner, so as to avoid any possibility of theft, loss or alteration. Furthermore, you shall immediately report to us in writing, by facsimile or rapid mail, the theft, loss or alteration of any check or checkbook. 27. Dormant Accounts: You agree to maintain your Account(s) active. Nevertheless, if no deposits have been made or no items have been drawn on an Account for a period of twelve (12) months, the Account shall be classified as a Dormant Account and shall be subject to monthly Dormant Account fees in addition to any applicable Account fees set forth herein. Dormant Account fees may be changed by us from time to time at our sole discretion. We reserve the right to withhold any payment, withdrawal or transfer from a Dormant Account until we, to our sole and complete satisfaction, are able to reestablish contact with you. Under applicable Florida law, we must turn over to the appropriate State of Florida authorities any funds deposited in an Account, if you have not done at least one of the following for at least five (5) years: • Deposited or withdrawn funds when you presented your Passbook or Certificate to have us record your interest. • Signed our active Account confirmation form • Written to us concerning the Account Prior to turning funds to the state authorities, we will mail a notice to your last known address according to Branch records. If you do not respond by the date set forth for response in the notice, we will forward the funds in the Dormant Account to the appropriate state authority. You can retrieve the funds by contacting the appropriate state authority at the address set forth in the notice. 28. Account Ownership/Control and Claims: The ownership of an Account (or any part thereof) may not be transferred and/or assigned without our prior written consent. You may request a change of ownership of your Account by submitting such a request and obtaining our written consent. In the event that the ownership and/or control of an Account or of any funds deposited therein, or any portion thereof, is the subject of a claim against us or otherwise becomes at issue, we may, at its sole discretion and without any liability to you whatsoever, place a hold on the Account or on the balance of funds deposited in the Account, or any portion thereof, and withhold any payment, withdrawal or transfer from such Account until the claims issue has been resolved to our sole and complete satisfaction. 29. Closing of Account: We reserve the right, at our sole discretion, to discontinue, limit or to decline to process any transactions in Account, to refuse to accept deposits or permit withdrawals in an Account or to close an Account at any time and for any reason, without any prior notice to Customer thereof. In the event we decide to close an Account, we will make written notice to you of such intention via the U.S. Mail and directed to you at your last known address in our records (“Notice of Closure”). After the expiration of five (5) Banking Days from the date of the mailing of the Notice of Closure, the Account shall be considered closed. We, at our sole discretion, may either (a) mail a check to you via the U.S. Mail to the aforementioned address; or (b) wire transfer to you the balance, if any, of funds in deposit in the Account. Upon mailing to you a Notice of Closure, we may thereafter refuse to accept deposits to such an Account, permit withdrawals, collect any item deposited therefore and/or transact any matter in relation to the Account. We shall not be liable for dishonoring any item drawn on an Account and/or for failing to act upon any funds transfer payment order submitted on an Account which is to be closed if the item is presented for payment or the payment order is submitted for execution after remittance of the Notice of Closure. Upon the closing of an Account, we shall thereafter be relieved of any further legal responsibility or liability related to such Account. Upon the closing of an Account, it shall be your responsibility to destroy any unused checks in your possession. 30. Fees and Charges: All Accounts shall be subject to those service and maintenance fees/charges heretofore adopted by us and now in effect, as reflected in our current Fee Schedule, and such fees and charges are subject to change from

7

time to time at our sole discretion without prior notice to you. You hereby acknowledge the receipt of the current Fee Schedule. We will notify you of new service and/or maintenance fees/charges (either by mailing it to you to your last known address, by posting it in a conspicuous place at our Office, or by posting it in our Web-page) at least fifteen (15) calendar days before such fees/charges become effective. We will also mail a notice to you at least fifteen (15) calendar days before we change an existing fee/charge if such change will adversely affect you. Fees and charges may be regularly debited from an Account without notifying you in advance. If there are insufficient funds in the Account to which charges and/or fees correspond, we may, at our sole discretion, debit another of your Accounts for such charge/fees. We shall not be liable for the dishonor of any item drawn on an Account or the failure to conduct any funds transfer ordered on an Account because of insufficient funds resulting from the deduction of fees/charges. In case there are no sufficient funds in the account to cover applicable fees, the fees shall accumulate and will be charged when account has sufficient funds. 31. Change of Address: You must notify us of any change in your address. Any notice of a change in your address must be in writing, signed by you, and delivered to us at our Office or via our Internet Services. Any mailings, including Account statements, which are returned to us as undeliverable, may result in the suspension of further mailings until a correct address is received by us. 32. Correspondents and Affiliates: We will not be liable to you for any act, omission, misconduct or negligence of any of our representative offices, correspondents, intermediaries, affiliates or subsidiaries and each correspondent, affiliate, intermediary, or subsidiary shall be liable for its own acts, omissions, misconduct and/or negligence. 33. Information/Sharing/Release of Information: You acknowledge receipt of our Privacy Policy. Our Privacy Notice describes personal information we may collect about you, including your name, address, telephone number, and other information we receive from you, information about your Account and transactions, and information we receive from credit reporting agencies and other sources. You authorize us to disclose this information to affiliates and nonaffiliated third parties as permitted by applicable law except as you or we limit those disclosures under the terms of our Privacy Notice. We provide a copy of our Privacy Notice with this Agreement and will provide it thereafter as required by applicable law. We are authorized to release any information and/or documentation relevant to you and/or any Account that is requested by a governmental authority (whether local, state or federal); or by any third party pursuant to any Process (hereafter defined). If authorized by you in writing, we shall have the right to report information about you and/or any Account to any consumer reporting agency, bank or financial institution, as well as to any person or entity to whom you give us as a reference. We are authorized to state to third parties purporting to have an item drawn on an Account whether such Account has a collected balance sufficient for payment of the item. 34. Collection of Checks. We, at our sole discretion, can choose the method of obtaining payment on your deposits and may use other banks in the process. We are not responsible for actions taken by other banks, or for the loss or destruction of any checks, drafts or other instruments in the possession of the other bank or in transit. We shall not be liable for any errors, negligence, default, misconduct or insolvency on the part of any agent selected by us, or any sub-agent selected by such agent, any such agent or sub-agent being deemed your agent. In collecting any check or similar items, we and any collecting agent may accept the drafts or credits of any bank, drawee, acceptor, or payor or in lieu of cash. If payment of any check or similar item would exceed the credit balance on any Account of yours or exceed any authorized overdraft limit, we may, in its sole discretion, make such payment only up to the amount of such credit balance or overdraft limit. We are under no obligation to honor any restrictive legend on any check signed, accepted, or endorsed by you. You shall at all times exercise due care to prevent checkbooks or blank checks of yours from coming into the possession of unauthorized persons and to prevent any instruction, check or similar item from being altered, lost, or forged. You shall immediately report to us in writing, by facsimile or rapid mail, the theft, loss, or alteration of any check or checkbook. 35. Legal Process/Proceeding: Should we be served or receive any process, subpoena, summons, complaint, order, injunction, execution, distraint, garnishment, levy, lien, pleading or other legal process and/or should we become involved in any judicial or administrative action or proceeding (hereinafter jointly or severally referred to as “Process”), relating (or appearing to relate) to you or an Account, or which we believe involves you or any Account, then we may, at our sole discretion: (a) comply with such Process; (b) freeze all or a portion of the funds deposited in any Account and withhold any payment, withdrawal or transfer from such Account until the Process is resolved to our sole and complete satisfaction, even if such action results in insufficient funds to pay checks you have written or transfers you have ordered; and (c) follow (and rely absolutely on) the advise of our legal counsel as to the appropriate response to such Process. We shall be under no

obligation to notify you of any Process nor to contest any Process on your behalf. You shall be liable to us for the payment of, and we may charge to any of your Accounts (whether or not it is the same Account with respect to which the Process relates) for any costs and expenses, including without limitation attorneys' fees incurred by us in addressing and/or responding to any Process. In addition, you agree that if we are not fully reimbursed for our record research, reproduction and handling costs by the party which served the Process, you shall be similarly liable to us. Any garnishment, attachment or other levy against your Account shall be subject to our right of setoff and security interest. You agree that we will not pay and you shall not be entitled to receive interest on any funds we hold or set aside in connection with or response to Process. Finally, you agree that we may accept and comply with legal process, irrespective of how and/or where it was received even if the law requires any particular method of service. In the event of any dispute relating to any of your Accounts (whether initiated or threatened by you, by us or by any third party), or in the event we receive conflicting instructions, claims, or demands relating to such Account, we may take any action which it or its legal counsel considers advisable, including without limitation “blocking,” “freezing,” or impounding any funds in such Account, placing such funds in a suspense Account, or interpleading such funds; and all resulting costs and expenses of ours, including without limitation any attorneys’ fees (and attorneys’ expenses) incurred at trial, on appeal, or without litigation, shall be reimbursed by you to us upon its demand (and you hereby authorize us to debit any of your Accounts for such amounts). 36. Pledge and Security Interest: In consideration of any extensions(s) of credit or other financial accommodations(s) now or hereafter given or continued by us, or any of its branches, agencies, offices, subsidiaries, or other affiliates (all of the foregoing, including us, being the “Secured Parties”) to you or any of you, and as security for the payment of all indebtedness, obligations and liabilities (whether direct or indirect, several or joint, matured or unmatured, liquidated or unliquidated, absolute or contingent, original or arising by purchase or assignment, and whether for principal, interest, attorney’s fees, other expenses, or any other amounts) which are now or hereafter owing to any of the Secured Parties by you or any of you (with or without other obligors) (all of such obligations and liabilities being the “Indebtedness”), you hereby assign transfer and pledge to the Secured Parties and grant the Secured Parties a security interest in all of the following, whether now or hereafter existing (the “Collateral”): (a) all Accounts (whether general or special, including without limitation deposits owned jointly or by the entireties), interest thereon, and balances and credits maintained with us or with any other Secured Party by you or any of you, (b) any and all other assets (including without limitation all notes, instruments, bonds, and securities) held at or in the possession and/or control of us or with any other Secured Party on behalf of you or any of you; (c) all obligations of us to you, whether now existing or hereinafter arising; and (d) any and all proceeds of any Collateral. Upon any default by you or any of you in the payment when due of any Indebtedness, we and all other Secured Parties are hereby authorized to set off and apply any Collateral constituting funds or the equivalent of funds against such Indebtedness, and to sell or otherwise realize upon any other Collateral and apply the proceeds thereof against such Indebtedness pursuant to any applicable provisions of Article 9 of the Uniform Commercial Code as adopted by the State of Florida (or in any other manner authorized by law), all at such time or times, to such extent and in such order as we and the other Secured Parties may in their discretion elect. The lien, pledge, security interest, and assignment made hereunder shall be and remain irrevocable until such time as all Indebtedness (including any and every contingent obligation) is paid or otherwise discharged in full and we and any other Secured Party are satisfied that no further Indebtedness shall thereafter arise. 37. Right of Set-Off: In addition to any general banker’s lien or right of setoff or similar right to which we may be entitled by law, we may at any time and without prior notice to you (such notice being hereby expressly waived by you) combine or consolidate: (a) all or any of the obligations and liabilities, including all Indemnified Liabilities as defined in Paragraph 41 below (whether direct or indirect, several or joint, original or arising by purchase or assignment, and whether for principal, interest, attorneys’ fees, other expenses, or any other amounts) which are at any time due and payable to us, or any of its branches, agencies, offices, subsidiaries, or other affiliates by you or any of you (with or without other obligors); together with (b) all or any of the Accounts, deposits (whether general or special, including without limitation deposits owned jointly or by the entireties), interest thereon, balances and credits maintained with us, or any of its branches, agencies, offices, subsidiaries, or other affiliates by you or any of you (and any obligations of any other types owing by us, or any of its branches, agencies, offices, subsidiaries, or other affiliates to you or any of you), thereby setting off and applying those assets of yours described in clause (b) above, in such order as we may elect, against those obligations and liabilities of yours described in clause (a) above. Our rights and that of any of our branches, agencies, offices, subsidiaries, or

8

other affiliates under the foregoing provision shall be in addition to, and not exclusive of, any similar rights, including any setoff rights, afforded us, or any of its branches, agencies, offices, subsidiaries, or other affiliates by law or other contract. 38. Funds Transfers: The following rules and conditions shall, at all times, govern all funds transfer transactions effectuated by you through any of your Accounts with us: A. Definitions. The funds transfers conducted by the Branch shall be governed by the terms used in this paragraph (in addition to the terms defined elsewhere in this Agreement), by the provisions of Article 4A of the Uniform Commercial Code as adopted by the State of Florida, and, if applicable, by Federal Reserve Board Regulation J, as amended from time to time. B. Disclaimers. NOTHING SET FORTH HEREIN SHALL OBLIGATE US TO ACCEPT AND EXECUTE A PAYMENT ORDER, OR THE CANCELLATION OR AMENDMNT THEREOF; AND WE SHALL ONLY BE DEEMED TO HAVE ACCEPTED A PAYMENT ORDER, OR THE CANCELLATION OR AMENDMENT THEREOF, UPON ITS EXECUTION THEREOF. WE SHALL HAVE NO OBLIGATION OR RESPONSIBILITY TO DETECT ERRORS CONTAINED IN A PAYMENT ORDER, AND CUSTOMER CONFIRMS THAT THE SECURITY PROCEDURE (HEREINAFTER DESCRIBED) IS NOT DESIGNED TO DETECT ERRORS. C. Payment Orders. Payment orders for funds transfer transactions, and the cancellation or amendment thereof (“Payment Order(s)”), shall be communicated to us only via such means as we specifically agree with you in writing. Payment Orders must be received at the Funds Transfer Department at our Office on a Banking Day and before such cut-off time(s) as we designates from time to time for Payment Orders. Payment Orders not received on a Banking Day or received after the designated cut-off time(s) shall not be processed by us until its next succeeding Banking Day. We reserve the right to process Payment Orders received by us from its various customers in such order as is determined by us, at its sole discretion. We further reserve the right to reject or delay its acceptance and/or execution of any Payment Order which we determine is unclear, incomplete or otherwise unsatisfactory to us. If a Payment Order does not specifically designate the Account which is to serve as the source of payment of the Payment Order, any of your Accounts at the Branch shall be an authorized Account for such Payment Order, if payment of the Payment Order from that Account is not inconsistent with any restrictions imposed by you on the use of that Account. We will use reasonable efforts to provide you with written notice of its rejection of any Payment Order on or prior to the execution date of the Payment Order, using the same means of communication used by you to transmit the Payment Order to us; provided, however, that we shall not be liable to you for interest compensation as a result of its failure to give such notice. You agree that this procedure constitutes a commercially reasonable means of notice. We may condition our acceptance and/or execution of a cancellation or amendment of the Payment Order by any one or all of the following: (a) receipt of adequate information reasonably identifying the original Payment Order, (b) an indemnity or bond holding us harmless from any and all liability arising from our execution of the amendment or cancellation, (c) our receipt of sufficient notice to provide it with a reasonable opportunity to act, and (d) compliance with the Security Procedure (hereafter described). D. Security Procedure and Verification. All Payment Orders issued by you to us on an Account shall be subject to verification by us prior to execution, in accordance with the Security Procedure described in the Account Opening Application or in the Designation of Security Procedure for Funds Transfer Transactions, to be delivered by us and completed by you, the terms of which are incorporated herein by reference (the “Security Procedure”). You hereby confirm that the Security Procedure is COMMERCIALLY REASONABLE in light of your circumstances and requirements, and the type and frequency of funds-transfer transactions contemplated by you through the Accounts. You further confirm that the Security Procedure was mutually agreed upon between us after consideration of several commercially reasonable security procedures offered by us. At our request, you will execute and deliver to us a receipt for the Security Procedure materials, in the form requested by us. The Security Procedure is strictly confidential and should not be disclosed by you or an Authorized Person (hereinafter defined) to anyone else. You hereby agree and covenant to establish and maintain adequate procedures to safeguard the Security Procedure. You further agree and covenant that, should you or an Authorized Person (hereinafter defined) have reason to believe that the Security Procedure has become known to any unauthorized person, you shall immediately notify us (via verified facsimile) of such disclosure. Upon verification of a Payment Order pursuant to the Security Procedure, we are authorized and directed to execute, pay, and/or act upon such Payment Order pursuant to its terms, without need of any further inquiry of you, and to debit the

Account from which the funds-transfer is to be effectuated. If a Payment Order is duly verified pursuant to the Security Procedure, except as otherwise provided by applicable law, such a Payment Order will be deemed effective as your Payment Order and you shall be obligated to pay us the amount of the Payment Order as provided therein, whether or not such Payment Order was in fact authorized by you or any of its Authorized Persons (hereinafter defined). Notwithstanding any provisions herein to the contrary, we may refrain from executing a Payment Order if we believe that it may not have been authorized by you or that there may be a security breach with respect to any Account(s) affected thereby. E. Authorized Persons. Any person having authorized signature on the Account from which the funds transfer is to be effectuated shall be an Authorized Person on such Account for a Payment Order (“Authorized Person”). F. Beneficiary and Intermediary. You shall be solely responsible for correctly identifying the beneficiary’s Account and beneficiary’s bank in each Payment Order. Furthermore, we may, at our discretion, require you to select and identify in a Payment Order, the intermediary bank(s) to be used in the funds-transfer. If you do not designate in a Payment Order the particular intermediary bank to be used by us in the funds transfer, we may choose in its sole discretion, the intermediary bank to be used. If the Payment order does not designate the beneficiary’s bank, we shall not be obligated to identify such bank, and we may seek further instructions from you identifying such bank. In executing or otherwise acting on Payment Orders, we shall rely upon identifying account or identification numbers of a beneficiary, beneficiary's bank or intermediary bank rather than names. Likewise, payment of a Payment Order may be made by a beneficiary’s bank on the basis of an identifying or bank account number even if it identifies a person different from the named beneficiary. We shall have no duty to detect any inconsistency between the name and number contained in a Payment Order. Accordingly, you are responsible for such inconsistencies and shall indemnify and hold us harmless from and against any loss, liability, expense or damage we may incur as a result of such inconsistency, including, without limitation, attorneys’ fees and disbursements and expenses of litigation. G. Funds Transfer System. We shall be authorized to use any funds- transfer system that we, in our sole discretion, deem appropriate. You acknowledge that each funds-transfer system is governed by its own operating rules and regulations and you agree that each Payment Order shall be subject to the rules and regulations of the funds-transfer system through which it is transmitted, including all interbank compensation rules governing the settlement of claims for compensation or adjustments of errors between member banks. You further agree that the funds-transfer system selected by us in executing a Payment Order shall be considered your agent. H. Restrictions. You confirm that you have not communicated to us, and will not communicate to us, any restrictions and/or limitations whatsoever relevant to Payment Orders, other than those specifically noted in each Payment Order. Notwithstanding the foregoing, no such restrictions and/or limitations shall be binding upon us unless we have previously agreed to them in writing. I. Recording of Telephonic or Other Instructions and Communications. (i) We may (but are not required to) record, electronically or otherwise, any communications, instructions, and other discussions between you and us that relate to the issue of past, present, or future funds transfers affecting your Account(s). You give your prior consent to these recordings, and it is the parties’ intent that this prior consent be the prior consent to such recording, if any, required under any applicable state law. (ii) We may retain these records for as long as it deems appropriate and may destroy them at any time in its sole discretion. We may disclose the contents of such records at such times, to such persons, and for such purposes as we deem appropriate in our sole discretion. (iii) The decision to record any telephone communication shall be solely within our discretion, and we have no liability whatsoever for failing to do so. J. Overdraft. You agree that each Payment Order shall not exceed the balance of readily available funds in the Account from which the funds-transfer is to be effectuated, and that we shall have no duty to execute any Payment Order if it exceeds the balance of readily available funds in such Account. If we, at our sole discretion, agree to execute a Payment Order, thereby creating an overdraft in an Account, you agree to promptly pay us any overdraft balance resulting in such Account (“Overdraft Charge”), and any interest accruing on such overdraft at the rate of two percent (2%) (subject to change at any time, not to exceed four (4%) above the floating prime rate, per annum (designated by the Branch, from time to time, as its prime rate. We make no representation that our prime rate is the lowest or best rate of interest offered by us for such overdrafts or for loans of any other kind. You agree that we may set-off the amount of any such overdrafts, any overdraft charge and any accrued interest on the overdraft against any of your Accounts with us. Each Customer is jointly and severally liable for paying any

9

overdrafts, overdraft charge and accrued interest resulting from a Payment Order effectuated by any Authorized Person. K. Limitation of Liability. To the maximum extent permitted by applicable law, we shall not be liable to you for any special, indirect or consequential damages resulting from our delayed or improper execution of a Payment Order or for its failure to execute a Payment Order, and you shall be limited exclusively to your expenses directly related to the transaction, incidental expenses and interest losses. L. Foreign Currency. Should we receive a Payment Order from you requiring us to effectuate a payment in a currency other than U.S. Dollars, we shall proceed to debit your Account for the U.S. Dollar equivalent of the amount of foreign currency to be paid, at our prevailing rate of exchange prior to the execution or payment of the Payment Order. You further agree that the execution of a Payment Order which requires payment in a currency other than U.S. Dollars may be reasonably delayed by us, as appropriate, in order to permit us to complete the conversion of currency. M. Correspondents, Agents and Transmissions. We may execute any Payment Order through the use of correspondents, agents, subagents, and funds transfer and communications systems, and you agree that we shall have no liability as a result of such selection (in the absence of our gross negligence or willful misconduct in making such selection). Such correspondents, agents, subagents and systems shall be deemed to be your agents and we shall not be liable for any errors, negligence, suspension or default of any of them or for any failure to identify the beneficiary or any mispayment by any of them, and we shall not be liable for any errors, mutilations, delay, misdelivery or failure of delivery in the transmission of any Payment Order or for any suspension of any means of communication or for any imposition of any censorship, exchange control or other restriction, all such risk being borne by you. N. Indemnification: Except as may be limited by applicable law, you agree to indemnify and to hold the Indemnified Parties harmless from and against each and all of the following (the “Liabilities”): (a) any costs and expenses incurred by us in its execution of a Payment Order or in its performance of the terms and conditions of this Agreement; (b) all liability to third parties arising out of, or in connection with, the terms and conditions of this Agreement and/or our execution of any Payment Order; (c) any and all claims, causes of action, lawsuits, proceedings, fines and/or penalties arising out of our execution of any Payment Order or otherwise performing any duties or obligations arising under the terms and conditions of this Agreement; and (d) any damages, losses, costs and expenses (including reasonable attorneys’ fees) suffered or incurred by us as a result of any of the foregoing or because of any breach of the terms and conditions by you. We are hereby authorized to set-off the amount of any of the Liabilities against any of your Accounts, and each Customer shall be jointly and severally liable for paying such set-off, whether or not the Customer participated in the Payment Order or benefited from its proceeds. O. We shall provide you with periodic statements or individual advice describing each Payment Order executed on your behalf. Such statements or advice shall be delivered on a monthly or more frequent basis as determined by us. Within twenty (20) Business Days of the date of such a statement or the next business day following the receipt of an individual advice, you shall notify us in writing of any discrepancies, unauthorized transactions or other errors in such statements or individual advice. To the fullest extent permitted by applicable law, we shall have no liability to you for any loss of interest or otherwise on any Payment Order described in a statement or individual advice if you fail to notify us of a discrepancy, unauthorized transaction or other error with respect to such Payment Order within the time limits described above. P. Information / Records: Upon request, you will provide us with any information necessary for us to handle inquiries and tracing, or otherwise to comply with applicable laws and regulations relating to Payment Orders and funds transfers, including but not limited to, Dollar amounts, Account(s) affected, dates and names of beneficiaries and third parties involved in the transfer. Our records relating to Payment Orders or to any funds transfer transaction occurring through your Accounts, kept by us in the regular course of its business, shall be presumed to adequately reflect the correct terms and conditions of any Payment Order received by us from you. Q. Fees: You agree that we may charge, and you shall promptly pay us, such fees as we may charge from time to time for the funds-transfer services. Such fees shall be posted in our Fee Schedules, and may be changed from time to time at our sole discretion. We will notify you of new or changes in fees when required by law. We may set-off such fees against any of your Accounts at the Branch. R. Notice/Funds Transfers: All notices directed to us relating to funds transfers shall be sent to our Office to the Attn: Operations Manager. All notices directed to you shall be directed to your last known address as reflected in our records. 39. Force Majeure: Without limiting the generality of other provisions of this Agreement, we shall not be liable to you for any failure, omission, delay, interruption or error in the performance of any of the terms, covenants and conditions of this Agreement or otherwise, due to causes beyond our control

including, without limitation, power, electronic or telecommunications failures, equipment malfunctions, electrical failures, suspension of payment by other financial institutions, bank moratoriums or holidays, labor disputes, currency/exchange restrictions, confiscations, nationalizations, trading suspensions, acts of God, public enemy or superior governmental authority, declared or undeclared conflicts or wars, civil commotion, legal compulsion, insolvency or the negligence of other financial institutions (collectively, “Force Majeure”). Furthermore, we shall have no responsibility or liability for any blockage or reduction in the availability of funds in an Account due to any restrictions imposed or actions taken by any governmental, supervisory or monetary authority or by any other third party. 40. Indemnification: In consideration for opening and maintaining your Account(s), as well as other financial accommodations and services we extend to you from time to time, you hereby agree to indemnify and hold the Indemnified Parties harmless from and against any and all claims, causes of action, liabilities, obligations, losses, damages, penalties, actions, judgments, suits, costs, expenses, fees, taxes and any other liabilities, including without limitation, reasonable attorney’s fees (and attorney’s fees incurred on appeal), and any other costs or disbursements of any kind or nature whatsoever, by whomsoever brought or caused, which may be imposed upon, incurred by, or asserted against us, in any way relating to, or arising out of: (a) this Agreement and our compliance with and/or performance of its duties and obligations hereunder; (b) any dispute or potential dispute arising under this Agreement, including but not limited to, disputes involving Account owners, beneficiaries, and representatives of owners and/or beneficiaries; (c) the presentation, payment or dishonor of any item drawn on an Account (including but not limited to wrongful dishonor claims made against us); (d) the acceptance of any item for deposit in an Account; (e) our execution of any funds transfer Payment Order (hereinafter defined) in accordance with its terms; (f) any action taken by us or which we refrain from taking with regard to any Property; (g) any Process involving or affecting an Account; (h) any transaction effectuated through an Account; (i) any issue as to the ownership of, or authority on, an Account; (j) our compliance with a Stop Payment request; and/or (k) any breach of the terms and conditions of this Agreement by you (collectively, the “Indemnified Liabilities”). 41. Source of Funds: You understand and acknowledge that we are required under applicable law and its own policies and procedures to take steps to combat the use of our products, services, and facilities in furtherance of money laundering, terrorism, and other illegal activities. You represent, warrant, and covenant that all funds now or hereafter deposited in any of your Accounts shall have a lawful source, and that you shall not conduct or initiate any transaction in or through an Account or the Branch that is unlawful under the laws of the United States, the State of Florida, or any other jurisdiction the laws of which are applicable to such transaction. In the event that we discover or receive information indicating that the source of funds in an Account or a transaction conducted by you in or through an Account or the Branch may be unlawful, we may, in our sole discretion, freeze the Account until the matter is clarified to our satisfaction and take any other action permitted by applicable law. 42. Limitation Of Liability: We and our affiliates, agents, officers, directors, employees, attorneys, successors and assigns (each of the foregoing, including the Branch, being an “Exculpated Party”) shall not at any time incur any liability to you (and you hereby expressly waive and release any and all claims and causes of action which you may at any time have against any Exculpated Party) in connection with any acts, omissions, or circumstances at any time or times arising out of or relating to this Agreement, or the presentation, payment, or dishonor of any item drawn on any Account of yours, or the acceptance of any item for deposit in any such Account, or any Process relating to (or appearing to relate to) any such Account, or any other matter or transaction contemplated by this Agreement (other than any such acts or omissions amounting to gross negligence or willful misconduct on the part of such Exculpated Party). In addition, each of the Indemnified Parties shall at all times be indemnified, reimbursed, and held harmless by you (and, at our request be defended by you) from and against any and all claims, demands, causes of action, liabilities, losses, damages, costs, and expenses (including without limitation any attorneys’ fees, whether incurred at trial, on appeal, or without litigation) which may at any time or times be imposed upon, incurred, or suffered by, or asserted against, such Indemnified Party in connection with any acts, omissions, or circumstances arising out of or relating to this Agreement, or any breach of this Agreement by you, or the presentation, payment, or dishonor of any item drawn on any Account of yours, or the acceptance of any item for deposit in any such Account, or any Process relating to (or appearing to relate to) any such Account, or any other matter or transaction contemplated by this Agreement (other than any such acts or omissions amounting to gross negligence or willful misconduct on the part of any such Indemnified Party). 43. Notices: All notices and other communications or writings sought to be given by us to you shall be deemed to have been delivered to all Customers or

10

Authorized Person on an Account when: (a) transmitted to any Customer on the Account via e-mail to such Customer’s last known e-mail address; or (b) deposited with the U.S. Mail, addressed to any Customer on the Account and directed to such Customer’s last known address. If you use the Bank’s Electronic Services as described in the Bank’s Electronic Banking Services Agreement for Individuals and the BB USA Internet Banking User Agreement for Business Account, all notices and other communications or writings sought to be given by us to you shall be deemed to have been delivered when posted on the System (as defined in the Electronic Banking Services Agreement and the BB USA Internet Banking User Agreement for Business Account). Notice from you to us will be considered effective when delivered in writing to our Office and received by a duly authorized officer of the Branch on a regular Banking Day during regular Banking Hours. You agree to notify us immediately if your address or e-mail address changes, and you release, indemnify and hold us harmless from and against any losses or other damages that may result from delay or non-receipt of any notice sent by us in accordance with this provision by reason of your failure to notify us of any such change or by reason of technical failures, unauthorized interception or otherwise. 44. Waivers: We waive demand, presentment, protest, notice of protest and notice of dishonor as to all items presented to or received by us for deposit, collection or payment with reference to any Account. 45. Corporate/Partnership Authority: If Customer is a corporation or partnership, Customer represents that it has complied with all necessary corporate/partnership formalities in relation to the execution and performance of this Agreement, including but not limited to obtaining or adopting all required authorizations, approvals, and resolutions of its board of directors, shareholders and/or partners, that the execution and performance of this Agreement by Customer does not and will not violate any provision of law or of Customer’s organizational documents and/or partnership agreement, and that this Agreement represents a valid, binding, and enforceable obligation of Customer. 46. Prohibition Against Internet Gambling Business: The Unlawful Internet Gambling Enforcement Act of 2006 (“Act”) prohibits any person engaged in the business of betting or wagering from knowingly accepting payments in connection with Unlawful Internet Gambling, including payments made through credit cards, electronic funds transfers and checks. The Act requires U.S. financial institutions, such as the Branch, to identify, block or otherwise prevent or prohibit such payments. To comply with the Act, the Branch will not open or maintain an Account for any person and/or entities engaged in Internet Gambling Business. At all times in which you maintain an Account with the Branch, you hereby warrant and represent to us that: (a) you do not engage in an Internet Gambling Business and you will notify us in writing prior to entering into any Internet Gambling Business; (b) you will not process transactions for any person or entity engaged in Internet Gambling Business through your Account(s) at the Branch; and/or (c) you will not transmit the payment of any wager or bet relating to Internet Gambling Business through your Account(s) at the Branch. For purposes of this Paragraph, the following terms shall have the following meaning: A. “Unlawful Internet Gambling” means the placing, receiving or otherwise knowingly transmitting of a bet or wager by any means which involve the use, at least in part, of the Internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made. B. “Internet Gambling Business” means the business of placing, receiving or otherwise knowingly transmitting a bet or wager by any means which involves the use, at least in part, of the Internet. 47. Miscellaneous: A. This Agreement and the transactions between us contemplated hereby shall be governed by, and construed in accordance with the laws of the State of Florida, United States, without giving effect to its conflicts of law principles. B. You hereby acknowledge and agree that any suit, action or proceeding brought by us with respect to this Agreement or any transaction between us or contemplated hereby, may be brought in any competent court of the State of Florida or United States District Court for the Southern District of Florida, in each case sitting in the county of Miami Dade, City of Miami, State of Florida, United States, and the appellate courts thereof, or the courts of Brazil, as we may elect in our sole and absolute discretion, and you hereby irrevocably and unconditionally submit to the non-exclusive jurisdiction of such courts in connection with any such suit, action or proceeding and hereby waive, to the extent permitted by law, any objection which you may now or hereafter have to the laying of venue thereof and any claim that any such suit, action or proceeding brought in any such court of Florida, United States, or Brazil has been brought in an inconvenient forum. If a suit, action or proceeding is brought in any such court, then, in such event only, you irrevocably waive any and all of your rights to have such suit, action or proceeding brought in Brazil, provided that if any suit, action or proceeding is brought in Brazil at the option of the Branch, you irrevocably submit to the jurisdiction of such court and

waive any rights you may now or hereafter have to remove such proceedings from such courts upon the principle of forum non convenient. You agree that a final judgment in any such suit, action or proceeding brought in any of the aforesaid courts shall be conclusive and binding upon you and may be enforced in any court to the jurisdiction of which you are subject by a suit upon such judgment. C. For purposes of facilitating the personal jurisdiction of the state or federal courts situated in the State of Florida over you, each Customer, jointly and severally, does hereby irrevocably appoint and constitute the Secretary of State of Florida, or his successors in that office (the “Agent”), The Capital, Tallahassee, Florida 32301, as the agent of Customer on whom all process in any action or proceeding may be served. You, jointly and severally, hereby covenant and agree that the Agent, or his/her successors in that office, shall continue to serve as Agents for service of process until the Indemnified Liabilities are paid in full, and, that service of process by us upon the Agent at the address shown above (or such other address as shall be employed by the office of the Secretary of the State of Florida) shall constitute good and effective service upon each Customer sufficient to grant the state and federal courts situated in the State of Florida full and complete personal jurisdiction over each Customer. D. We reserve the right to change any provision of this Agreement at any time at our sole discretion, including the right to add, change, or delete any provisions relating to your Account and to the nature, extent and enforcement of the rights and obligations you may have under this Agreement. If permitted by applicable law, the change may be applied to any Account balance outstanding on the effective date of the change. If required by law, we will give you fifteen (15) calendar day prior written notice (either by mailing it to you to your last known address, by posting in a conspicuous place at our Office, or by posting it our Web-page) that will explain what is being changed prior to the effective date of the change. Your continuing use of your Account(s) at the Branch after receiving notice of any change in this Agreement will constitute your acceptance and concurrence with such change(s). E. The inapplicability or unenforceability of any provision of this Agreement shall not limit or impair the operation or validity of any other provision herein. F. We reserve the right to waive the enforcement of any of the terms of this Agreement with respect to any transaction or series of transactions. Any such waiver will not affect our right to enforce any of its rights with respect to other customers, or to enforce any of our rights with respect to later transactions with you. The fact that we, on any given occasion, may enforce or waive its rights does not obligate us to enforce or waive similar rights in the future, nor will this be sufficient to modify the terms and conditions set forth in this Agreement. G. This Agreement contains the complete understanding and agreement between the parties hereto on the matters set forth herein and it supersedes all prior or contemporaneous agreements or understandings on such matters. H. The use of captions and/or headings in this Agreement are for convenience only and are not part of this Agreement. Accordingly, they shall not affect the meaning or interpretation of any of the provisions hereof. I. This Agreement shall remain in full force and effect, unless subsequently cancelled or amended by us in accordance with the provisions of this Agreement. J. Neither our signature nor that of any Customer shall be required on this Agreement to give force and/or effect thereto and your use of an Account constitutes your consent to be bound by the terms and conditions herein, as amended from time to time. K. This Agreement shall be binding upon your heirs, successors in interest and assigns. Notwithstanding the foregoing, your rights under this Agreement shall not be assignable without our prior written consent, and any assignment without such prior written consent shall be null and void. 48. WAIVER OF TRIAL BY JURY: YOU HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT YOU MAY HAVE TO A TRIAL BY JURY IN ANY SUIT, ACTION, PROCEEDING OR LITIGATION IN ANY COURT WITH RESPECT TO, IN CONNECTION WITH, ARISING OUT OF OR OTHERWISE RELATED TO, YOU, THIS AGREEMENT AND ITS SUBJECT MATTER, ANY OF YOUR ACCOUNTS AT THE BANK, OR ANY COURSE OF CONDUCT, COURSE OF DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF ANY PARTY HERETO OR RELEVANT TO THE TRANSACTION(S) CONTEMPLATED HEREBY. THIS PROVISION IS A MATERIAL INDUCEMENT FOR OPENING AND MAINTAINING ACCOUNTS AT THE BANK. Miami, Florida, USA – June, 2018.

Revised – August 2009

Banco do Brasil may impose additional limits on the frequency andamount of electronic fund transfers. For information regardingadditional limitations, please refer to the Disclosures orAgreements, for the specific product or service.

Service Fees

Your account will be billed for Fees, related to Electronic Funds TransferServices, as outlined in the general Fee Schedule or as otherwiseagreed upon.

An additional fee may be charged by an ATM Operator, wheninitiating a funds transfer, withdrawal or balance inquiry, even if thetransaction is not completed.

Pre-authorized Credits

If you have arranged to have direct deposits made to your account atleast once every 60 days from the same person or company, you cancontact us at any of the Contact Numbers and Addresses identifiedabove to find out whether or not the deposit has been made.

Pre-authorizedPayments

If you have told us in advance to make regular payments out of youraccount, you can stop any of these payments. Here’s how:

Call us at the telephone numbers or write us at the addresses indicatedabove, in time for us to receive your request 3 business days or morebefore the payment is scheduled to be made. If you call, we may alsorequire you to put your request in writing and get it to us within 14days after you call. We will charge you according to our FeeSchedule, for each stop-payment order that you give. If you order usto stop one of these payments 3 business days or more before thetransfer is scheduled, and we do not do so, we will be liable foryour losses or damages. A stop payment notice will apply only tothat particular payment. You understand and agree that you mustpromptly contact the third party to cancel or revoke the entirepreauthorized payment authorization you have made. You understandthat you are solely responsible for cancelling the authorizationwith the third party.

GoverningLaw

This Agreement shall be governed by all applicable federal laws and allapplicable substantive laws of the state, in which your account ismaintained. In addition, we are subject to certain federal and stateregulations and local clearing house rules governing electronic fundstransfers. Banco do Brasil S.A must comply with these laws,regulations, and rules. To the extent that any term in this Disclosuremay conflict with any applicable state or federal law, such law shallsupersede the conflicting term only to the extent required by law,and all other terms of this Disclosure shall remain in full force andeffect.We have the right to modify or amend our Electronics Funds Transferprocedures or to terminate Electronic Funds Transfer privileges atany time.

MIAMIAGENCYAND

NEWYORKBRANCH

ELECTRONIC FUNDTRANSFERSDISCLOSURE

Revised – August 2009

ELECTRONIC FUND TRANSFERS DISCLOSURE

The following disclosure sets forth the terms and conditions for ElectronicFunds Transfer Services, which are made available to customers maintainingpersonal accounts with the Miami Agency and New York Branch, of Banco doBrasil. Please read this information carefully as it defines your rights andresponsibilities, and those of Banco do Brasil with respect to any ElectronicFunds Transfer, and contains important information required by law.An electronic funds transfer is a transfer of funds that is initiated through anelectronic terminal, telephone or computer or magnetic tape for the purpose ofordering, instruction or authorizing a debit or credit to a personal account.Examples of transactions covered under this disclosure, are InternetBanking transfers, ACH transfers, Direct Deposits, and ATM transactions.For additional information regarding your rights and responsibilities regardingATM transactions initiated by your Debit Card, please refer to the Banco doBrasil Debit Card, Terms and Conditions.

BusinessDaysFor the purpose of this disclosure, the business days of the Banco do BrasilNew York Branch and the Banco do Brasil Miami Agency are all days other thanSaturday, Sunday, and federal holidays in theUnited States.

Periodic StatementYou will get a monthly account statement reflecting electronic funds transfersconducted in your account, unless there are no transfers in a particular month. Inany case, you will get a statement at least quarterly.

Security Access CodesOur security measures require that we identify transactions authorized by ourcustomers. To ensure the safety and security of your account, Banco do Brasilwill issue security access codes to enable customers to access certain productsand services. This access code may also be called a Personal IdentificationNumber (PIN), and may also be changed by the customer. Our securitymeasures require that these codes remain confidential, andwe strongly recommendthat you do not share your passwords or access codes with others. You mustcontact us immediately if you suspect your Security Access Code, PIN or DebitCard has been lost or stolen.

Telephone Numbers and Addresses to Contact in the Event of anUnauthorized TransferIf you believe your Security Access Code, PIN or Debit Card has been lost orstolen, or that someone has transferred or may transfer money from youraccount without your permission, call us or write to us at once at either of thefollowing telephone numbers or addresses: Banco do Brasil - Miami Agency701 Brickell Avenue – Suite 2610Miami, Florida 33131 - USAEmail:[email protected] Phone: 1 ( 407 ) 608-1800

Banco do Brasil - New YorkBranch600 Fifth Avenue – 3rd FloorNewYork,NewYork10020 -USAEmail: [email protected]: 1 (212) 626-7000

Depositor’s Liability for Unauthorized Transfer

Tell us AT ONCE if you believe your Banco do Brasil Debit Card (“Debit Card”) orpersonal identification number (“PIN”) has become lost or stolen, or if you believethat an electronic fund transfer has been made without your permission. Telephoningis the best way of keeping your possible losses down.

You could lose all the money in your account plus your maximum overdraft line ofcredit. If you tell us within two business days, you can lose no more than $50 ifsomeone used your Debit Card or PIN without your permission.

If you do NOT notify us within two business days after you learn of the loss ortheft of your Debit Card or PIN, and we can prove we could have stopped someonefrom using your Debit Card or PIN without your permission if you had told us,you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If youdo not tell us within 60 days after the statement was mailed to you, you may not getback any money you lost after the 60 days if we can prove that we could havestopped someone from taking the money if you had told us in time. If a goodreason (such as a long trip or a hospital stay) kept you from telling us, we mayextend the time period.

This disclosure applies to ATM transactions or PIN transactions not conducted overthe Visa® network – online or off. Please refer to the Banco do Brasil Debit CardTerms and Conditions, regarding the Liability Provisions for transactions processedover the Visa® network.

In Case of Errors or Questions About Your Electronic Transfers

If you think your statement or receipt is wrong or if you need more informationabout a transfer listed on the statement or receipt, call us or write to us as soon as youcan, at either of the Contact Numbers or Addresses indicated above. We must hearfrom you no later than 60 days after we sent the FIRST statement on which theproblem or error appeared.

• Tell us your name and account number.• Describe the error or the transfer you are unsure about, and explain as clearly asyou can why you believe it is an error or why you need more information.• Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send us your complaint or questionin writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hearfrom you and will correct any error promptly. If we need more time, however,we may take up to 45 days (90 days for foreign or point-of-sale transactions, ortransactions involving new accounts) to investigate your complaint or question. If wedecide to do this, we will credit your account within 10 business days (20 business daysfor new accounts) for the amount you think is in error, so that you will have use ofthe money during the time it takes us to complete our investigation. If we ask youto put your complaint or questions in writing and we do not receive the writingwithin 10 business days, we may not recredit your account.

We will tell you the results of our investigation within three business days aftercompleting the investigation. If we decide there was no error,

we will send you a written explanation. You may ask for copies of thedocuments used in our investigation.

Liability for Failure toMake Transfers

If we do not complete a transfer to or from your account on time or in thecorrect amount according to our agreement with you, we will be liablefor your losses or damages. However, we will not be liable if:

1. Through no fault of ours, you do not have enough money in your accountto make the transfer;

2. The transfer would go over the credit limit on your approved overdraftline of credit;

3. The terminal where you are making the transfer does not haveenough cash;

4. The terminal or system you accessed, was not working properly andyou knew about the breakdown;

5. Circumstances beyond our control (such as fire, flood or other acts ofnature) prevent the transfer, despite reasonable precautions we havetaken;

6. Your Debit Card or Security Access Code had deteriorated or ourequipment has been damaged so that it does not function properly;

7. Your Debit Card or any security code has been reported lost orstolen;

8. We have reason to believe that you or someone else is using yourcard, account, PIN or Security Access Code, for fraudulent or illegalpurposes.

Please refer to other Agreements or Disclosures for any additional liabilityexceptions, applicable to a specific product or service.

Disclosure of Account Information to Third Parties

We may disclose information to third parties about your account oraccount transactions you make:

1. Where it is necessary for completing transfers;2. In order to verify the existence and condition of your account for a thirdparty, such as a credit bureau or merchant;

3. In order to comply with government agency or court orders, or asotherwise required by law; or

4. If you give us written permission.

Please refer to our Privacy Policy Statement for further detailsconcerning how we handle your information.

Limitations on Transactions

Total transfers from a money market account or savings account to anotheraccount or to third parties by preauthorized, automatic or telephonetransfer are limited to six per statement cycle with no more than three bycheck, draft, debit card or similar order to third parties. Transfers madethrough Banco do Brasil Internet Banking (BB-Net) are included in thismaximum allowable limit.

Important Information About your Checking Account

Funds Availability and Check 21Disclosure

How Do I Make a Claim for a Refund?

If you believe that you have suffered a loss relatingto a substitute check that you received and that wasposted to your account, please contact your accountofficer. You must contact us within 60 calendar daysof the date that we mailed (or otherwise delivered bya means to which you agreed) the substitute checkin question or the account statement showing thatthe substitute check was posted to your account,whichever is later. We will extend this time period ifyou were not able to make a timely claim because ofextraordinary circumstances.

Your claim must include—• A description of why you have suffered a loss (for

example, you think the amount withdrawn wasincorrect);

• An estimate of the amount of your loss;• An explanation of why the substitute check you

received is insufficient to confirm that you suffereda loss; and

• A copy of the substitute check [and/or] thefollowing information to help us identify thesubstitute check: (identifying information, forexample the check number, the name of theperson to whom you wrote the check, the amountof the check).

This brochure is designed to help youdetermine when funds from your depositswill be available for withdrawal. Thisbrochure includes some general informationregarding the check clearing process and aschedule illustrating generally whendeposits will be available to you. Banco doBrasil’s Fund Availability and Check 21Policy is in conformity with Federal ReserveBank Regulation CC and state bankingregulations.

Effective: March 2016

If you have any questions, please contact yourBanco do Brasil office:

BB New York535 Madison Ave - 34th Floor

New York, NY 10022Tel: (646) 845-3752Fax: (407) 608-1855

email: [email protected]

BB Miami701 Brickell Avenue #2610

Miami, FL 33131Tel: (407) 608-1800Fax: (407) 608-1865

email: [email protected]

The EFA Act defines “Business Day” as any dayexcluding Saturdays, Sundays, and legal holidaysand the “Banking Day” as any day the bank is opento the public for carrying on substantially all of itsbanking functions.

Your Ability to Withdraw Funds

Our policy is to make funds from your cash depositavailable on the same day and check deposits onthe second business day after the day we receiveyour deposit. Electronic direct deposits will beavailable on the day we receive the deposit. Oncethey are available, you can withdraw the funds incash and we will use the funds to pay checks thatyou have written. Some types of deposit areavailable on the first business day.

For determining the availability of your deposits,every day is a business day, except Saturdays,Sundays, and federal holidays. If you make a depositbefore 2:00 pm on a business day that we are open,we will consider that day to be the day of yourdeposit. However, if you make a deposit after 2:00pm or on a day we are not open, we will considerthat the deposit was made on the next business daywe are open.

Longer Delays May Apply

Funds you deposit by check may be delayed for alonger period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on

any one day. • You redeposit a check that has been returned

unpaid. • You have overdrawn your account repeatedly in

the last six months. • There is an emergency, such as failure of

computer or communications equipment. We will notify you if we delay your ability to withdrawfunds for any of these reasons, and we will tell youwhen the funds will be available. They will generallybe available no later than the 5th business day afterthe day of your deposit.

Special Rules for New Accounts

If you are a new customer, the following special ruleswill apply during the first 30 days your account isopen. Funds from electronic direct deposits to youraccount will be available on the day we receive thedeposit. Funds from deposits of cash, wire transfers,and the first $5,000 of a day's total deposits ofcashier's, certified, teller's, traveler's, and federal,state and local government checks will be availableon the first business day after the day of your depositif the deposit meets certain conditions. For example,the checks must be payable to you (and you mayhave to use a special deposit slip). The excess over$5,000 will be available on the ninth business dayafter the day of your deposit. If your deposit of thesechecks (other than a U.S. Treasury check) is notmade in person to one of our employees, the first$5,000 will not be available until the second businessday after the day of your deposit. Funds from allother check deposits will be available on the ninthbusiness day after the day of your deposit.

Substitute Check Policy Disclosure Substitute Checks and Your Rights—

What Is a Substitute Check?

To make check processing faster, federal law permitsbanks to replace original checks with "substitutechecks." These checks are similar in size to originalchecks with a slightly reduced image of the front andback of the original check. The front of a substitutecheck states: "This is a legal copy of your check. Youcan use it the same way you would use the originalcheck." You may use a substitute check as proof ofpayment just like the original check.

Some or all of the checks that you receive back fromus may be substitute checks. This notice describesrights you have when you receive substitute checksfrom us. The rights in this notice do not apply tooriginal checks or to electronic debits to youraccount. However, you have rights under other lawwith respect to those transactions.

What Are My Rights Regarding SubstituteChecks?

In certain cases, federal law provides a specialprocedure that allows you to request a refund forlosses you suffer if a substitute check is posted toyour account (for example, if you think that wewithdrew the wrong amount from your account orthat we withdrew money from your account morethan once for the same check). The losses you mayattempt to recover under this procedure may includethe amount that was withdrawn from your accountand fees that were charged as a result of thewithdrawal (for example, bounced check fees).

The amount of your refund under this procedure islimited to the amount of your loss or the amount ofthe substitute check, whichever is less. You also areentitled to interest on the amount of your refund ifyour account is an interest-bearing account. If yourloss exceeds the amount of the substitute check,you may be able to recover additional amountsunder other law.

If you use this procedure, you may receive up to(amount, not lower than $2,500) of your refund (plusinterest if your account earns interest) within 10business days after we received your claim and theremainder of your refund (plus interest if youraccount earns interest) not later than 45 calendardays after we received your claim. We may reversethe refund (including any interest on the refund) ifwe later are able to demonstrate that the substitutecheck was correctly posted to your account.

Documents

DEMAND DEPOSIT ACCOUNT OPENING ... - Banco do BrasilY Notificação sobre transferências eletrônicas de fundos; YL V.Sa. e cada signatário autorizado deste documento, consentem