Unless otherwise specified, the times indicated in these terms are Pacific Time. Our “business days” are Monday through Friday, excluding federal holidays. In this booklet, the terms “customer”, “you” and “your” refer to the party in whose name an account is maintained, each authorized signer on an account, all account owners and beneficiaries, and any person opening or authorized to control the account or any aspect of the account the terms “we,” “us” and “Bank” refer to River City Bank. Please carefully read the “Dispute Resolution” section for details. Note: If a dispute arises between us, this Agreement may require the dispute to be resolved through arbitration or judicial reference, rather than by jury trial. By signing our signature card, requesting an account, or maintaining an account, you acknowledge that you have reviewed, understand and agree to be governed by the Agreement, as amended by us from time to time. This Deposit Agreement and Disclosure, your signature card, consumer privacy notice, schedule of miscellaneous fees and service charges, product information and disclosure (if any), and the other information we provide to you when you open your account, represent our agreement with you (this “Agreement”) and contain important information about your account.
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