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THANKS FOR

CHOOSING ALLY
008693-01-11

January 5, 2022

BANK!
008693/1240982//8693/0000/000000/018877 000 01 000000
LARRY S SHELTON
411 WEST RD APT 811
HOUSTON TX 77038-2649

YOUR NEW ACCOUNTS

Dear Trustee(s):
Account Name: Interest Checking
Account Number: 1099178574
Thanks for choosing Ally Bank! We're thrilled for the chance to be your The Courtney Gibson Estate Trust
financial ally. Opening accounts with us gives you access to a great rate, Grantor(s):
24/7 customer care, security you can trust, and a smart, simple online Courtney Gibson
Trustee(s):
banking experience on all your devices. Larry S Shelton

Make your deposit Account Name: Online Savings Account


If you haven't put money in your accounts, log in at ally.com or on the Ally Account Number: 2199178589
The Courtney Gibson Estate Trust
Mobile app to transfer money or make an Ally eCheck Deposit(SM). You Grantor(s):
can also mail us a check using the deposit slip and envelope provided. Courtney Gibson
We don't accept cash deposits. Trustee(s):
Larry S Shelton
Certify your Taxpayer Identification number (TIN) Account Name: Money Market Savings Account
The Internal Revenue Service (IRS) requires us to have a certified TIN on Account Number: 2199178563
file for tax purposes. To certify: The Courtney Gibson Estate Trust
• Trust TIN - Verify the trust TIN on the enclosed signature card, sign Grantor(s):
Courtney Gibson
the card, and return it to us in the envelope provided. Trustee(s):
◊Heads up: If you don't certify the trust TIN, the IRS may Larry S Shelton
require us to withhold a portion of the interest earned on
the accounts.
• Personal TIN - Log in at ally.com and look for the "Please certify your
TIN" message.

Account Statements
We'll mail statements for these accounts to the address on file for the
trust. Trustees can also access trust statements online by enrolling at
ally.com or on the Ally Mobile app.

Questions about your Ally Bank accounts?


You can log in at ally.com or on the Ally Mobile app to get help, or call us
at 1-877-247-2559. Our award-winning customer care is available 24/7 to
help with whatever you need.

Enclosure(s)

Ally Bank, Member FDIC


008693/1240982//8693/0000/000000/018877 000 01 000000 NEWACCT101
KIT # 10
Rev. 01/2021

WHAT DOES ALLY DO


FACTS WITH YOUR PERSONAL INFORMATION?
008693-02-11

Why? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires 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 products or services you
have with us. This information can include:
ƒ Social Security number and income
ƒ Account balances and payment history
ƒ Credit history and transaction history

How? All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customers’ personal information; the reasons Ally chooses to share; and whether you can limit
this sharing.

Does Ally Can you limit this


Reasons we can share your personal information
share? sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond YES NO
to court orders and legal investigation, or report to credit bureaus
For our marketing purposes –
YES NO
to offer our products and services to you
For joint marketing with other financial companies YES NO
For our affiliates’ everyday business purposes –
YES NO
information about your transactions and experiences
For our affiliates’ everyday business purposes –
YES YES
information about your credit worthiness
For our affiliates to market to you – information about your YES YES
transactions, experiences, and credit worthiness
For nonaffiliates to market to you NO We don’t share

To limit our ƒ Visit us online at www.ally.com/privacy, click on the “Manage My Privacy Preferences” link,
sharing and enter your account information; or
ƒ Call us at 1.800.204.2197, and have your full account number available.

Please Note: If you are a new customer, we can begin sharing your information 45 days from the
date we send 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 sharing.

Questions? Go to: www.ally.com/privacy.

Ally U.S. Consumer Privacy Notice – Share

008693/1240982//8693/0000/000000/018878 000 02
Page 2
Who are we
Who is providing this Entities in the Ally family of companies, including American Suzuki Financial Services
notice? (ASFS), Ally Central Originating Lease Trust, Ally Financial Lease Trust, Ally Bank
Lease Trust, National Auto Finance Company LLC, and Nuvell Credit Company LLC.
What we do
008693-03-11

How does Ally protect my To protect your personal information from unauthorized access and use, we use
personal information? security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
How does Ally collect my We collect your personal information, for example, when you:
personal information? ƒ open an account or deposit money
ƒ apply for financing or provide account information
ƒ pay your bills
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:
ƒ sharing for affiliates’ everyday business purposes – information about your
creditworthiness
ƒ affiliates from using your information to market to you
ƒ sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
[See below for more on your rights under state law.]
What happens when I limit Your choices will apply to everyone on your account.
sharing for an account I hold
jointly with someone else?
Definitions
Affiliates Companies related by common ownership or control. They can be financial and
nonfinancial companies.
ƒ Ally’s affiliates include financial companies such as Ally Bank, Ally Financial Inc.,
Ally Financial Lease Trust, Ally Bank Lease Trust, Ally Invest Securities LLC, Ally
Invest Advisors Inc., and Ally Invest Forex LLC. Ally’s affiliates also include
nonfinancial companies such as MIC Property and Casualty Insurance Corporation.
Nonaffiliates Companies not related by common ownership or control. They can be financial and
nonfinancial companies.
ƒ Ally does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
ƒ Ally’s joint marketing partners can include automobile dealerships, insurance
companies, and brokers.
Other important information
California Residents. We will not share information we collect about you with non-affiliated third parties, except as
permitted by law, such as to process your transactions or to maintain your account. We also send California residents a
California notice for additional choices.
Vermont Residents. We will not share information we collect about you with non-affiliated third parties, except as
permitted by law, such as to process your transactions or maintain your account. We may share your information with
our affiliates, so they may market to you. However, we will not share information about your credit worthiness with
affiliates. Additional information concerning Ally’s privacy policies can be found at www.ally.com/privacy or by calling
1.800.204.2197.
Nevada Residents. Nevada law allows us to make marketing calls to our existing customers listed on the National Do
Not Call Registry. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call list
by going to www.ally.com/privacy and choosing Manage My Privacy Preferences. For more information, please contact
us at: 1.888.925.2559 (Ally Auto); 1.877.247.2559 (Ally Bank); 1.855.880.2559 (Ally Invest). You may also contact the
Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E.
Washington Street, Suite 3900, Las Vegas, NV 89101; phone: 702.486.3132; email: aginfo@ag.nv.gov.
North Dakota Residents. We will not share information we collect about you with non-affiliated third parties, except as
permitted by law, such as to process your transactions or to maintain your account.

Ally U.S. Consumer Privacy Notice – Share

008693/1240982//8693/0000/000000/018879 000 03
DEPOSITING MONEY INTO YOUR ACCOUNT
There are several ways to deposit money into your Ally Bank Account(s):
008693-04-11

Electronic Transfer:
For fast, convenient transfers, simply call the Ally Bank Customer Care Department at 877-247-ALLY
(2559). You will need to provide the Customer Care Associate with the routing number and your account
number from the bank from where you will be transferring funds. Once your account is verified, your
funds will be transferred immediately! As an added bonus, you can use this service for a one time transfer
or set it up for recurring payments at intervals of your choice. Once your deposit is complete, all you have
to do is return your completed signature card in the enclosed postage paid envelope.

Wire Transfer:
To wire money into your account, provide the institution from which you will be transferring funds with the
Ally Bank routing number (124003116) and your Ally Bank account number listed on your Welcome Letter.
Wired funds are available immediately.

Send in your Deposit:


Below you will find a deposit ticket preprinted with your name and account number. Simply follow the
steps below to send in your deposit:
1. Fill out the deposit ticket with the date and amount of your deposit.
2. Remove the deposit ticket at the perforated edge.
3. Place the deposit ticket, endorsed check, and completed signature card in the postage paid
envelope provided to you in your Welcome Kit.

Please do not send cash or foreign currency deposits. If your account includes checks, you will
receive additional deposit tickets in the checkbook that will be mailed to you once this account is funded.

DEPOSIT RECEIPT

Account # 1099178574 Check # Amount Date

008693/1240982//8693/0000/000000/018880 000 04

Cut Here

DEPOSIT TICKET List Checks Individually. Do not send cash.


SUBJECT TO THE PROVISIONS OF THE UNIFORM COMMERCIAL

> , .
CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT

LARRY S SHELTON
CODE OR ANY APPLICABLE COLLECTION AGREEMENT

411 WEST RD APT 811


HOUSTON TX 77038-2649
> , .
> , .
> , .
Date DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL > , .
> , .
Signature > , .
> , .
SUB TOTAL > , .
Ally Bank TOTAL
DEPOSIT $ , .
PO Box 13625
Philadelphia, PA 19101-3625 Please be sure each item is endorsed properly on
the back with signature, account number, and
"For Deposit Only"

A124003116A 1099178574C 22
DEPOSITING MONEY INTO YOUR ACCOUNT
There are several ways to deposit money into your Ally Bank Account(s):
008693-05-11

Electronic Transfer:
For fast, convenient transfers, simply call the Ally Bank Customer Care Department at 877-247-ALLY
(2559). You will need to provide the Customer Care Associate with the routing number and your account
number from the bank from where you will be transferring funds. Once your account is verified, your
funds will be transferred immediately! As an added bonus, you can use this service for a one time transfer
or set it up for recurring payments at intervals of your choice. Once your deposit is complete, all you have
to do is return your completed signature card in the enclosed postage paid envelope.

Wire Transfer:
To wire money into your account, provide the institution from which you will be transferring funds with the
Ally Bank routing number (124003116) and your Ally Bank account number listed on your Welcome Letter.
Wired funds are available immediately.

Send in your Deposit:


Below you will find a deposit ticket preprinted with your name and account number. Simply follow the
steps below to send in your deposit:
1. Fill out the deposit ticket with the date and amount of your deposit.
2. Remove the deposit ticket at the perforated edge.
3. Place the deposit ticket, endorsed check, and completed signature card in the postage paid
envelope provided to you in your Welcome Kit.

Please do not send cash or foreign currency deposits. If your account includes checks, you will
receive additional deposit tickets in the checkbook that will be mailed to you once this account is funded.

DEPOSIT RECEIPT

Account # 2199178589 Check # Amount Date

008693/1240982//8693/0000/000000/018881 000 05

Cut Here

DEPOSIT TICKET List Checks Individually. Do not send cash.


SUBJECT TO THE PROVISIONS OF THE UNIFORM COMMERCIAL

> , .
CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT

LARRY S SHELTON
CODE OR ANY APPLICABLE COLLECTION AGREEMENT

411 WEST RD APT 811


HOUSTON TX 77038-2649
> , .
> , .
> , .
Date DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL > , .
> , .
Signature > , .
> , .
SUB TOTAL > , .
Ally Bank TOTAL
DEPOSIT $ , .
PO Box 13625
Philadelphia, PA 19101-3625 Please be sure each item is endorsed properly on
the back with signature, account number, and
"For Deposit Only"

A124003116A 2199178589C 22
DEPOSITING MONEY INTO YOUR ACCOUNT
There are several ways to deposit money into your Ally Bank Account(s):
008693-06-11

Electronic Transfer:
For fast, convenient transfers, simply call the Ally Bank Customer Care Department at 877-247-ALLY
(2559). You will need to provide the Customer Care Associate with the routing number and your account
number from the bank from where you will be transferring funds. Once your account is verified, your
funds will be transferred immediately! As an added bonus, you can use this service for a one time transfer
or set it up for recurring payments at intervals of your choice. Once your deposit is complete, all you have
to do is return your completed signature card in the enclosed postage paid envelope.

Wire Transfer:
To wire money into your account, provide the institution from which you will be transferring funds with the
Ally Bank routing number (124003116) and your Ally Bank account number listed on your Welcome Letter.
Wired funds are available immediately.

Send in your Deposit:


Below you will find a deposit ticket preprinted with your name and account number. Simply follow the
steps below to send in your deposit:
1. Fill out the deposit ticket with the date and amount of your deposit.
2. Remove the deposit ticket at the perforated edge.
3. Place the deposit ticket, endorsed check, and completed signature card in the postage paid
envelope provided to you in your Welcome Kit.

Please do not send cash or foreign currency deposits. If your account includes checks, you will
receive additional deposit tickets in the checkbook that will be mailed to you once this account is funded.

DEPOSIT RECEIPT

Account # 2199178563 Check # Amount Date

008693/1240982//8693/0000/000000/018882 000 06

Cut Here

DEPOSIT TICKET List Checks Individually. Do not send cash.


SUBJECT TO THE PROVISIONS OF THE UNIFORM COMMERCIAL

> , .
CHECKS AND OTHER ITEMS ARE RECEIVED FOR DEPOSIT

LARRY S SHELTON
CODE OR ANY APPLICABLE COLLECTION AGREEMENT

411 WEST RD APT 811


HOUSTON TX 77038-2649
> , .
> , .
> , .
Date DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL > , .
> , .
Signature > , .
> , .
SUB TOTAL > , .
Ally Bank TOTAL
DEPOSIT $ , .
PO Box 13625
Philadelphia, PA 19101-3625 Please be sure each item is endorsed properly on
the back with signature, account number, and
"For Deposit Only"

A124003116A 2199178563C 22
Signature Card and Certification of Taxpayer Identification Number (TIN)
008693-07-11

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires
all financial institutions to obtain, verify, and record information that identifies each person who opens an
account. When you open an account, we will ask for your name, address, date of birth, and other
information that will allow us to identify you. We may also ask to see your driver's license or other
identifying documents.

ACCOUNT AGREEMENT

By signing below or by using my account, I

(a) acknowledge receipt of and agree to the terms of the Ally Bank Deposit Agreement;

(b) agree that I can verbally or electronically authorize Ally Bank to open other accounts in my name (or in my
name and the names of others) and that the terms of the then-current Ally Bank Deposit Agreement will
govern these other accounts; and

(c) authorize Ally Bank to obtain periodic consumer reports on me and to access databases and inquire of others
to ascertain my creditworthiness and verify the information I have provided concerning my identity.

IMPORTANT TAX INFORMATION - READ BEFORE COMPLETING THE FORM BELOW

Only complete the Internal Revenue Service (IRS) substitute W-9 Form below if you are a U.S. citizen or a
resident alien.

COMPLETE CERTIFICATION OF TIN BELOW, DETACH AND RETURN


TO: Ally Bank, P.O. Box 13625, Philadelphia, PA 19101

Cut Here

FORM W9 TAXPAYER IDENTIFICATION NUMBER (TIN) CERTIFICATION (Not applicable for Non-Resident Aliens) :
For individuals the TIN is your Social Security Number or Individual Tax Identification Number (ITIN) which should match the first name listed on the account
and will be used for tax reporting purposes. For other entities, it is your Employer Identification Number.
A. Social Security Number or Employer Identification Number: 6 3 4 1 2 5 5 8 2
B. Certification - Under 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), and
2. 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 (including a U.S. resident alien), and
4. I am exempt from Foreign Account Tax Compliance Act reporting.
Backup Withholding Instructions
You must check off the box to the right 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.

The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid
backup withholding.
Customer Signature Date
SIGN
HERE
Customer Number
(Internal Use Only) Z0000004504798X5582Z
Print Name Larry S Shelton

Member FDIC © 2009 – 2016 Ally Bank (062016-1) Ally and Ally Bank are registered service marks of Ally Financial Inc. 008693/1240982//8693/0000/000000/018883 000 07
ALLY BANK RATE SHEET
Rates Effective at the end of day on 09/24/2021.

Interest Rate (Rate)/Annual Percentage Yield (APY)


Certificates of Deposit (CDs) Minimum Deposit Amount
($0.00 - 4,999.99) ($5,000.00 - 24,999.99) ($25,000.00+)
008693-08-11

Raise Your Rate Certificates of Deposit 1,2,3,4,5 Rate % APY % Rate % APY % Rate % APY %
Raise Your Rate 2-Year CD 0.55% 0.55% 0.55% 0.55% 0.55% 0.55%
Raise Your Rate 4-Year CD 0.55% 0.55% 0.55% 0.55% 0.55% 0.55%
No Penalty Certificates of Deposit 2,3,5 Rate % APY % Rate % APY % Rate % APY %
No Penalty 11-Month CD 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
High Yield Certificates of Deposit 2,3,4,5 Rate % APY % Rate % APY % Rate % APY %
High Yield 3-Month CD 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
High Yield 6-Month CD 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
High Yield 9-Month CD 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
High Yield 12-Month CD 0.55% 0.55% 0.55% 0.55% 0.55% 0.55%
High Yield 18-Month CD 0.60% 0.60% 0.60% 0.60% 0.60% 0.60%
High Yield 3-Year CD 0.65% 0.65% 0.65% 0.65% 0.65% 0.65%
High Yield 5-Year CD 0.80% 0.80% 0.80% 0.80% 0.80% 0.80%
1 If you have a Raise Your Rate 2-Year or 4-Year CD, you have the ability to increase your rate. If you notice that
our current rate has gone up for your CD's balance tier and term, you can call us or go online at ally.com to get
the higher rate. You will receive the highest rate offered on the day of your rate increase request and it will
become effective the following day.
• Raise Your Rate 2-Year CD holders may raise your rate once, anytime during your term.
• Raise Your Rate 4-Year CD holders may raise your rate twice, anytime during your term.
2 The Ally Ten Day Best Rate Guarantee gives you the highest rate we offer for your CD's balance tier and term
during the ten days, starting with the day your account is opened. All you have to do is make a deposit within
that time. If you fund your CD after the ten (10) day period, your interest rate will be the rate available on the
date and time the funds are deposited to your account.
3 The CD term will begin on the date your deposit is received by Ally Bank.
4 There is an interest penalty for early withdrawals on Raise Your Rate and High Yield CDs.
5 Interest is compounded on a daily basis.

Interest Rate (Rate)/Annual Percentage Yield (APY)


Checking and Savings Accounts Minimum Deposit Amount
($0.00 - 14,999.99) ($15,000.00+)
Interest Checking Rate % APY % Rate % APY %
Interest Checking 0.10% 0.10% 0.24% 0.25%
($0.00 - 4,999.99) ($5,000.00 - 24,999.99) ($25,000.00+)
Savings Accounts Rate % APY % Rate % APY % Rate % APY %
Online Savings Account 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
Money Market Account 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
• The Interest Rate and Annual Percentage Yield are variable and may vary based on market or business
conditions.
• Fees could reduce earnings on your account.
• Interest is compounded on a daily basis.

You may visit ally.com to view our most current interest rates, or call 877-247-ALLY (2559) if you have questions.

Please review your Deposit Agreement at ally.com by logging on to Online Banking for more information about your
account.

Updated 6/2019 Ally Bank, Member FDIC


Page 1 of 2 008693/1240982//8693/0000/000000/018884 000 08
ALLY BANK RATE SHEET
Rates Effective at the end of day on 09/24/2021.

Interest Rate (Rate)/Annual Percentage Yield (APY)


IRA Certificates of Deposit (CDs) Minimum Deposit Amount
($0.00 - 4,999.99) ($5,000.00 - 24,999.99) ($25,000.00+)
008693-09-11

IRA Raise Your Rate Certificates of Deposit 1,2,3,4 Rate % APY % Rate % APY % Rate % APY %
IRA Raise Your Rate 2-Year CD 0.55% 0.55% 0.55% 0.55% 0.55% 0.55%
IRA Raise Your Rate 4-Year CD 0.55% 0.55% 0.55% 0.55% 0.55% 0.55%
IRA High Yield Certificates of Deposit 2,3,4 Rate % APY % Rate % APY % Rate % APY %
IRA High Yield 3-Month CD 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
IRA High Yield 6-Month CD 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
IRA High Yield 9-Month CD 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
IRA High Yield 12-Month CD 0.55% 0.55% 0.55% 0.55% 0.55% 0.55%
IRA High Yield 18-Month CD 0.60% 0.60% 0.60% 0.60% 0.60% 0.60%
IRA High Yield 3-Year CD 0.65% 0.65% 0.65% 0.65% 0.65% 0.65%
IRA High Yield 5-Year CD 0.80% 0.80% 0.80% 0.80% 0.80% 0.80%
1 If you have an IRA Raise Your Rate 2-Year or 4-Year CD, you have the ability to increase your rate. If you notice
that our current rate has gone up for your IRA CD's balance tier and term, you can call us or go online at
ally.com to get the higher rate. You will receive the highest rate offered on the day of your rate increase request
and it will become effective the following day.

• IRA Raise Your Rate 2-Year CD holders may raise your rate once, anytime during your term.
• IRA Raise Your Rate 4-Year CD holders may raise your rate twice, anytime during your term.

2 At account opening, you will receive the highest rate offered for your balance tier and term on the day you open
your account or on the day you fund your account.
3 The IRA CD term will begin on the date your initial deposit is received by Ally Bank.
4 There is an interest penalty for early withdrawals. Please see below for more information.

Interest Rate (Rate)/Annual Percentage Yield (APY)


IRA Savings Accounts Minimum Deposit Amount
($0.00 - 4,999.99) ($5,000.00 - 24,999.99) ($25,000.00+)
IRA Savings Accounts Rate % APY % Rate % APY % Rate % APY %
IRA Online Savings Account 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
• The Interest Rate and Annual Percentage Yield are variable and may vary based on market or business
conditions.
• Fees could reduce earnings on your account.

The following applies to all IRAs:

• Interest is compounded on a daily basis.


• Contribution limits apply to IRAs.
• IRA's may be subject to IRS penalties for distributions.
• Please consult your tax professional for advice.

You may visit ally.com to view our most current interest rates, or call 877-247-ALLY (2559) if you have questions.

Please review your Deposit Agreement at ally.com and the Custodial Account Agreement and Disclosure Statement by
logging on to Online Banking for more information about your account.

Updated 6/2019 Ally Bank, Member FDIC


Page 2 of 2 008693/1240982//8693/0000/000000/018885 000 09
CHANGES TO THE ALLY BANK DEPOSIT AGREEMENT DATED JANUARY 7, 2017
008693-10-11

Here are a f ew changes to our Deposit Agreement that we want you to be aware of.

Elimination of Overdraft Fees – Effective July 27, 2021

As we announced on June 2nd, Ally Bank is eliminating overdraft fees on all of our Bank products.

With this change, we’ve updated certain sections of the Ally Bank Deposit Agreement dated January 7, 2017. Here
are the relevant sections of the Deposit Agreement that have been updated:

Section I.C.11a Overpayments and Reversals


Previously, the Deposit Agreement stated: “If there are not enough funds in your account at that time, your account
could become overdrawn and we may charge an overdraft fee.”

It will now read: “If there aren’t enough funds in your account at that time, your account could become overdrawn. We
won’t ever charge an overdraft fee when that happens – you’re only responsible for paying back the overdraft
amount.”

Section I.C.12 Processing and Posting


We have removed the following sentence: “The order in which we post your transactions may affect whether you
incur fees for insufficient or unavailable funds.”

Section I.C.13 Overdraft Transactions


We have replaced the content in this section entirely.

This section will now read: “We pay overdrafts at our discretion, which means we do not guarantee that we will
always authorize and pay any type of transaction. Should your account become overdrawn at any point, we won’t
charge an overdraft fee.”

Section I.D.4.c Sufficient Funds


Previously, the Deposit Agreement stated: “If we do elect to initiate the transfer, it may overdraw your account, in
which case you will be liable for the outstanding amount plus any Overdraft Fees.”

It will now read: “If we do initiate the transfer, but there aren’t enough funds in your account at that time, you could
overdraft your account. We won’t ever charge an overdraft fee when that happens – you’re only responsible for
paying back the overdraft amount.”

Section IV.B What are my rights regarding substitute checks?


We have replaced “(for example, overdraft fees)” with “(for example, excessive transaction fees)” in the following
paragraph: 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 we withdrew the wrong amount
from your account or that we withdrew money 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, overdraft fees).

Section V Service Fee Chart


Previously, the fee amount for the Fee for Overdraft Item Paid and Overdraft Item Returned stated: “$25.00/1 fee
maximum/day; If on the same day you would be subject to a Fee for Overdraft Item Paid and a Fee for Overdraft Item
Returned, only one $25.00 fee would be applicable.”

It will now read: “No Charge.”

Ally Bank, Member FDIC

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Changes to Our Funds Availability Policy - Effective July 1, 2020

We’re changing the amount of funds available to you on the next business day after the day of deposit for certain
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check deposits. We’re raising the amount from $200 to $300, effective July 1. With this change, section III.E. (Other
Check Deposits) of the Ally Bank Deposit Agreement dated January 7, 2017, will read as follows:

For all other checks payable to you, including checks drawn on any U.S. financial institution other than Ally Bank,
state or local government checks, cashier’s, certified, teller’s or traveler’s checks, Federal Reserve Bank checks,
Federal Home Loan Bank checks and U.S. Postal Service money orders, up to $300 is available for each check on
the first business day after the day of your deposit and the remaining funds on the second business day after the day
of your deposit. The $300 availability applies to each check in the deposit (includes deposits via eCheck).

See our full Funds Availability policy, starting on page 24 of the Deposit Agreement, for more information.

FDIC Recordkeeping for Accounts with Beneficial Owners – Effective April 1, 2020

We’ve added a new section to our Deposit Agreement called FDIC Recordkeeping for
Accounts with Beneficial Owners:

If we open an account on your behalf as an agent, trustee, nominee, guardian, executor, custodian, or other
individual or entity who holds funds in the account for the benefit of others, such “beneficial owners” (for whose
benefit the funds are held) may be eligible for pass-through insurance from the FDIC. This means the account could
qualify for more than the standard maximum deposit insurance amount (currently $250,000 per depositor in the same
ownership right and capacity). If the account is a checking or money market account (which have transactional
features as defined in the FDIC Rules and Regulations), you’re required to provide a record of the interests of the
beneficial owners in accordance with the FDIC’s requirements within 24 hours of a bank failure. Following these
procedures may help minimize the delay you and the beneficial owners may face when accessing FDIC-insured
funds should Ally Bank fail. As part of our compliance effort, we’ll ask for identifying information and other information
on beneficial owners.

Ally Bank, Member FDIC

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