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CAFOLA
Bank

Deposit Account
Agreement

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By opening a deposit account with Cafola Bank, you agree to the following terms and conditions:

1. You can deposit and withdraw funds as you wish.

2. We pay a variable interest rate determined by us.

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3. You may demand payment of your account balance at any time.

4. We may change the interest rate and policy at any time.

5. Before implementing any new fee policies, we will provide you with notice and an

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opportunity to withdraw funds from your account before you incur any fees or charges.

6. This agreement is governed by the laws of our jurisdiction.