Last Updated: February 9, 2026

These Time Deposit Terms of Service (this “Agreement”) are an agreement between you and Natixis, a banking corporation organized under the laws of France (“Bank”), acting through its New York Branch (“Branch”), and contains the terms and conditions governing the Time Deposit offered by Natixis. By entering into a Time Deposit or continuing to have your Time Deposit with us, you agree to the terms and conditions in this Agreement.

THE DEPOSITS DESCRIBED AND REFERENCED HEREUNDER ARE NOT INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) OR ANY U.S. GOVERNMENT AGENCY. IF THE BRANCH OR THE BANK 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.

The following definitions apply to this Agreement:

“Business Day” means generally Monday through Friday, excluding days on which banking institutions in the City of New York, New York are authorized or required to be closed.

“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, but does not include the performance of the customary activities of a financial transaction provider, or any interactive computer service or telecommunications service.

“Party(ies)” means you and the Branch.

“Sanctions” means any economic or financial sanctions or trade embargoes implemented, administered or enforced by the United States, the European Union, France and/or the government authority of any other country with jurisdiction over you or us.

“Time Deposit” means a deposit of funds at the Branch in which you agree to keep the funds for a fixed period of time and that has a maturity of at least seven days from the date of deposit. You do not have a right and are not permitted to make early withdrawals unless the Branch permits it at its sole discretion. If the Branch permits you to make an early withdrawal, the deposit will be subject to an early withdrawal penalty, as described in Section 6 of this Agreement.

“Unlawful Internet Gambling” means to place, receive, or otherwise knowingly transmit a bet or wager by any means which involves 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.

“We,” “us,” and “our” mean the Bank (including the Branch) and its successors, affiliates, subsidiaries, and assignees.

“You” or “your” means the Time Deposit owner.

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 enters into a Time Deposit.

What this means for you: You must promptly provide the Branch with such information or documentation as the Branch may require, at the Branch’s sole discretion and from time to time, relating to your Time Deposit(s) in order to establish and verify:

• Your identity for a Time Deposit;
   
• The identity of any nominal or beneficial owner of a Time Deposit;
   
• The source of any funds deposited in Time Deposit; and
   
• Any transaction/activity with respect to a Time Deposit.

You must promptly notify the Branch in writing of any changes to the information provided. You must promptly provide the Branch with all information or documentation as the Branch may require, in its sole discretion and from time to time, to satisfy customer due diligence requirements.

You understand and acknowledge that the Branch is required under applicable law and its own policies and procedures to take steps to combat the use of the Branch’s 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 Time Deposits have a lawful source, and that you will not conduct or initiate any transaction through a Time Deposit or the Branch that is unlawful under the laws of the United States, the State of New York, or any other jurisdiction the laws of which are applicable to such transaction.

Without limiting the foregoing, you represent, warrant, and covenant that none of the funds deposited in your Time Deposit(s) will be derived from activities that are the subject of Sanctions. In the event that the Branch discovers or receives information indicating that the source of funds in a Time Deposit or a transaction conducted by you through a Time Deposit or the Branch may be unlawful, the Branch may, in its sole discretion, take such action permitted by applicable law, including withholding any payment, withdrawal or transfer of such Time Deposit until the matter is clarified to the Branch’s satisfaction.

You represent, warrant, and covenant that you are not:

• the subject of Sanctions;
   
• located, organized or resident in a country or territory that is the subject of Sanctions;
   
• engaged or will be engaged in any activity that could result in the imposition of Sanctions; or
   
• engaged or will be engaged in any activity during the term of this Agreement that violates Sanctions or causes us to be in violation of Sanctions.

Minimum Initial Deposit and Balance Requirements

The Branch may require that the initial deposit to enter into any Time Deposit be at least $250,000 or such other amount that the Branch determines in its sole discretion.

Fees and Charges

All Time Deposits are subject to those service and maintenance fees/charges now in effect pursuant to a separate agreement between you and the Branch. The Branch in its sole discretion may change the service and maintenance fees/charges from time to time upon written notice to you. Fees and charges may be regularly debited from a Time Deposit without notifying you in advance. If there are insufficient funds in the Time Deposit to which fees and/or charges correspond, the Branch may, at its sole discretion, debit any of your other accounts held at the Branch for such fees/charges.

Deposits in Foreign Currency

You acknowledge and agree that, in the event any foreign exchange transaction is involved in any deposit, the Time Deposit may not be credited until settlement of such foreign exchange transaction has been completed.

Activity Reports

Unless otherwise agreed to between you and the Branch, the Branch is authorized and directed for each Time Deposit at the close of each calendar month for each Time Deposit (as determined by the Branch from time to time), to send by email an activity report pertaining to the Time Deposit activity for the preceding month (each, an “Activity Report”). The Branch is not liable for the delivery of Activity Reports if sent to your last known email address in the Branch’s records.

You agree to exercise reasonable care by promptly examining each Activity Report and any accompanying copies and documents upon receipt, and promptly reporting to the Branch any problem, irregularity or error in the Activity Report or in the Time Deposit indicated in the Activity Report 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 with respect to the Time Deposit.

You will be: (i) deemed to have agreed to the correctness of an Activity Report; (ii) fully precluded from asserting any dispute or difference as to an Activity Report; and (iii) fully precluded from asserting any claim or cause of action against the Branch for any payment, withdrawal, debit or transfer described in an Activity Report or evidenced by any of the accompanying copies or documentation if you fail to exercise reasonable care in delivering written notice to the Branch of any alleged problem, irregularity or error within twenty (20) calendar days after the Activity Report is made available to you. If you fail to provide such notice, you will also be precluded from asserting against the Branch any unauthorized signatures or alterations by the same wrongdoer on funds paid by the Branch after the time period mentioned above has lapsed, but before the Branch receives notice. You will not be relieved of this duty by reason of the fact that any Activity Report was not received or made available to you, unless you notify the Branch in writing of your non-receipt thereof within twenty (20) calendar days from the date Activity Reports are customarily made available.

Legal Process/Proceeding

Should the Branch be served or receive any process, subpoena, summons, complaint, order, injunction, execution, distraint, garnishment, levy, lien, pleading or other legal process and/or should the Branch 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 a Time Deposit, or which the Branch believes involves you or any Time Deposit, then the Branch may, in its sole discretion: (i) comply with such Process; (ii) freeze all or a portion of the funds deposited in any account maintained by you at the Branch, including other Time Deposit(s) or any demand deposit account(s), and withhold any payment, withdrawal or transfer from such Time Deposit until the Process is resolved to the Branch’s sole and complete satisfaction, even if such action results in insufficient funds to pay transfers that you have ordered; and (iii) follow (and rely absolutely on) the advice of legal counsel as to the appropriate response to such Process. The Branch shall be under no obligation to notify you of any Process or to contest any Process on your behalf.

You are liable to the Branch for the payment of, and the Branch may charge to any account maintained by you at the Branch, including other Time Deposit(s) or any demand deposit account(s) (whether or not it is the same account with respect to which the Process relates), any costs and expenses, including without limitation attorneys’ fees incurred by the Branch in addressing and/or responding to any Process. In addition, you agree that if the Branch is not fully reimbursed for record research, reproduction and handling costs by the party which served the Process, you are similarly liable to the Branch. Any garnishment, attachment or other levy against your Time Deposit shall be subject to the Branch’s right of setoff and security interest described herein, to the extent permitted by applicable law.

You agree that the Branch will not pay and you will not be entitled to receive interest on any funds the Branch holds or sets aside in connection with, or in response to, any Process. You agree that the Branch 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 your Time Deposit(s) (whether initiated or threatened by you, by the Branch or by any third party), or in the event the Branch receives conflicting instructions, claims, or demands relating to such Time Deposit, the Branch may take any action which it or its legal counsel considers advisable, including without limitation blocking, freezing, or impounding any funds in such Time Deposit, placing such funds in a suspense account, or interpleading such funds; and all resulting costs and expenses incurred by the Branch, including without limitation any reasonable attorneys’ fees (and attorneys’ expenses) incurred at trial, on appeal, or without litigation, shall be reimbursed by you upon its demand (and you hereby authorize the Branch to debit any of your Time Deposit(s) for such amounts).

Lien and Right of Set-off

We have a continuing lien upon any and all of your monies, deposits, securities and other property (and the proceeds thereof) now or hereafter actually or constructively held or received by us for the amount of any and all of your liabilities and obligations to us, whether now existing or hereafter incurred, whether contracted by you alone or jointly and/or severally with another or others, absolute or contingent, matured or unmatured (all of such liabilities and obligations, collectively, the “Obligations”).

We also have a right of setoff for the amount of the Obligations and we may, at any time or times and without notice or demand for payment (except as otherwise required by applicable laws), apply your deposits (general or special) or credits with, or claims against, us, or any parts thereof, to such Obligations in such amounts as we may elect regardless of whether said Obligations are due.

Indemnification

In consideration for entering into and maintaining the Time Deposit(s), as well as other financial accommodations and services the Branch extends to you from time to time, you hereby agree to indemnify and hold us and the Branch (“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 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 the Branch, in any way relating to, or arising out of: (a) this Agreement and the Branch’s 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 Time Deposit owners, beneficiaries, and representatives of owners and/or beneficiaries; (c) the acceptance of any funds for deposit in a Time Deposit; (d) the Branch’s execution of any funds transfer Payment Order (hereinafter defined) in accordance with its terms; (e) any action taken by the Branch or which the Branch refrains from taking with regard to any property; (f) any Process involving or affecting a Time Deposit; (g) any issue as to the ownership of, or authority on, a Time Deposit; and/or (h) any breach, by you, of the terms and conditions of this Agreement (collectively, the “Indemnified Liabilities”); except to the extent such Indemnified Liabilities amount to gross negligence or willful misconduct on the part of any such Indemnified Party.

Limitation of Liability

The legal relationship created by any Time Deposit(s) and this Agreement is exclusively that of a debtor and creditor. The Branch does not owe you any fiduciary or other special duty. The Bank and its 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 acceptance of any funds for deposit in any such Time Deposit, or any Process relating to (or appearing to relate to) any such Time Deposit, 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).

Taxes

No Time Deposit may be entered into without a valid IRS Form W-8 or W-9. If the form expires or otherwise becomes invalid, the Branch will place a debit hold on all Time Deposits maintained for you until the Branch receives a valid form. All Time Deposits will be subject to backup withholding to the extent required by law.

Prohibition Against Unlawful Internet Gambling Business

The Unlawful Internet Gambling Enforcement Act of 2006 (the “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 the Branch, to identify, block or otherwise prevent or prohibit such payments. To comply with the Act, the Branch will not enter into or maintain a Time Deposit for any person and/or entities engaged in unlawful Internet Gambling Business.

At all times in which you maintain a Time Deposit with the Branch, you hereby warrant and represent to the Branch that you:

• do not engage in an unlawful Internet Gambling Business and you will notify the Branch in writing prior to entering into any unlawful Internet Gambling Business;
   
• will not process transactions for any person or entity engaged in unlawful Internet Gambling Business through your Time Deposit(s) at the Branch; and/or
   
• will not transmit the payment of any wager or bet relating to unlawful Internet Gambling Business through your Time Deposit(s) at the Branch.

Screening; Information Requests

The Branch reserves the right to take all reasonable steps to complete screening of transactions to ensure compliance with U.S. and other applicable sanctions laws, and to reject any transaction or block any funds transfer if required to do so by applicable law. You must cooperate in a timely manner with regard to, and provide accurate and complete information in response to, all Branch information requests related to Time Deposit transactions. You agree not to use the Time Deposit in a manner that would cause the Branch to be in violation of applicable laws, including all U.S. and E.U. economic sanctions and anti-corruption restrictions.

Time Deposit

Interest shall accrue on the daily outstanding balance of funds held in a Time Deposit at a rate and on the basis separately agreed between you and the Branch.

The Branch will deliver to you all interest earned with respect to the outstanding balance of such Time Deposit on the terms separately agreed between you and the Branch. The Branch will repay the amount of a Time Deposit, together with all accrued and unpaid interest thereon, by wire transfer to you on a date separately agreed upon by you and the Branch, which date will not be less than seven days after the date of making such Time Deposit (“Final Repayment Date”).

If any date for the delivery or repayment of funds pursuant to this Agreement is not a Business Day, such delivery or repayment shall be made according to the Branch’s standard operational procedures, as may be separately advised in confirmations or by other means.

Interest on funds held in a Time Deposit will be computed on the basis of a year of 360 days and paid for the actual number of days that funds held in a Time Deposit remain on deposit in such Time Deposit.

Upon entering into a Time Deposit, you agree to keep the principal on deposit with the Branch for the term selected. You may request to withdraw funds on deposit before the Final Repayment Date, but it is at the Branch’s sole discretion whether or not to grant the request. If the Branch permits you to cancel a Time Deposit or withdraw a portion of its principal within six (6) calendar days after the Time Deposit was entered into, you will be charged a penalty of at least seven days’ simple interest on amounts withdrawn or such other amount as specified in Regulation D of the Board of Governors of the Federal Reserve System (“Regulation D”). If the Branch permits you to make a partial early withdrawal, you will be subject to additional early withdrawal penalties of at least seven days’ simple interest on amounts withdrawn within six (6) calendar days after each partial withdrawal as specified in Regulation D. Notwithstanding the foregoing, if the Branch permits you to cancel a Time Deposit or withdraw a portion 7 of its principal seven (7) calendar days after the Time Deposit was entered into and before the Final Repayment Date, the Branch may, at its sole discretion, allow such cancellation or withdrawal without payment of any accrued interest and may impose a penalty.

If you are permitted by the Branch to terminate a Time Deposit prior to the Final Repayment Date, you must reimburse the Branch for any losses or expenses incurred by it as a result of such early termination, including any breakage costs with respect to the early termination of any hedging agreements entered into by the Branch.

The Time Deposit is not transferable and non-negotiable.

REPRESENTATIONS AND WARRANTIES

You represent and warrant to the Branch that, while a Time Deposit is maintained hereunder, your acceptance of this Agreement and the performance of your obligations hereunder do not and will not constitute or result in a default under, a breach or violation of, or the creation of any lien or encumbrance on any of your property under, your charter or by-laws, or any agreement, instrument, judgment, injunction or order applicable to you or any of your property

Notices

Any notices or other communications to be given pursuant to this Agreement shall be given in writing by e-mail to: USCIBTreasuryOps@natixis.com. Notice to the Branch will be deemed given only upon actual receipt thereof by the Branch. A Party may change the address to which notices are to be sent at any time by delivery of ten (10) Business Days’ prior notice of such change to the other Party pursuant hereto.

Acceptance of Instructions

You authorize the Branch to accept any instruction, order or other information (each, an “Instruction”) that it receives from you. Standard Settlement Instructions (“SSIs”) are set up at the time of onboarding and all Time Deposits at maturity shall be returned in accordance with those SSIs. If you wish to change the SSIs after onboarding, you must complete the same process undertaken at onboarding to make any updates. The provisions of this Section 7 shall apply to all such Instructions relating to this Agreement and given by you or on your behalf in your name or any code name, without waiting for receipt of any written confirmation and without such confirmation being necessary.

Recording of Telephone Conversations

You understand and agree that the Branch reserves the right to record all telephone conversations between you and the Branch and to retain electronic versions or other forms of the recording of such conversations for such periods of time as the Branch deems advisable from time to time. 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 applicable state law. The Branch may disclose the contents of such records at such times, to such persons, and for such purposes, as the Branch deems appropriate in its 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.

Change of Address

You must notify the Branch of any change in address. Any notice of a change in your address must be in writing and delivered to the Branch.

Confidentiality and Consent to Transfer

The Branch will treat information relating to you as confidential. Unless prohibited by applicable law, however, you consent to the Branch’s disclosure of any information relating to you to any of our branches or affiliates. You also consent to our transfer and disclosure of any information relating to you to third parties selected by us for confidential use, including any use for the provision of any service, or for data processing, statistical, and risk analysis purposes.

Transfer and Retention of Your Information

Unless prohibited by applicable law, you agree that we may transfer or disclose any information relating to you to our auditors, lawyers or regulatory agencies, or as may be required by, or in order to ensure compliance with, any law, court, regulatory or governmental authority or legal process.

We may retain information relating to you after the closing of any Time Deposit for as long as permitted for legal, regulatory, fraud prevention or other legitimate business purposes.

The Branch will not be liable to you for any act, omission, misconduct or negligence of any of our correspondents, intermediaries and affiliates, and each correspondent, intermediary, or affiliate shall be liable for its own acts, omissions, misconduct and/or negligence.

This Agreement, and the obligations arising out of this Agreement, cannot be assigned by you or the Branch without the prior written consent of the other; provided, however, that the Branch may transfer and assign this Agreement and any obligations hereunder to any of our branches or affiliates without your prior written consent.

This Agreement will be governed by and construed in accordance with the laws of the State of New York without giving effect to principles of conflict of laws thereunder. ANY LEGAL PROCEEDING INVOLVING THE ENFORCEMENT OR INTERPRETATION OF THIS AGREEMENT WILL BE BROUGHT ONLY IN A U.S. FEDERAL OR STATE COURT LOCATED IN THE BOROUGH OF MANHATTAN, NEW YORK, NEW YORK. YOU IRREVOCABLY CONSENT TO THE PERSONAL JURISDICTION OF THESE COURTS, AND FULLY WAIVE THE RIGHT TO OBJECT TO THE LEGAL RIGHT OF ANY SUCH COURT TO HEAR OR DECIDE THE PROCEEDING, OR ENFORCE ANY ORDER OR JUDGMENT OF THE PROCEEDING. YOU WAIVES ANY RIGHT YOU MAY HAVE TO IMMUNITY FROM LEGAL PROCEEDINGS OR EXECUTION.

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 9 ANY COURT WITH RESPECT TO, IN CONNECTION WITH, ARISING OUT OF OR OTHERWISE RELATED TO, YOU, THIS AGREEMENT AND THE SUBJECT MATTER HEREOF, ANY OF YOUR TIME DEPOSITS AT THE BRANCH, 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 ENTERING INTO AND MAINTAINING TIME DEPOSITS AT THE BRANCH

You acknowledge that any liability of the Bank, acting through the Branch, hereunder, may be subject to the exercise of any write-down or conversion powers (“Bail-in Powers”) by the relevant resolution authority to which the Bank, acting through the Branch, is subject as a credit institution and agree to be bound by the effect of the exercise of such Bail-in Powers. This may include write-down or conversion of this deposit to equity or other instruments in case of the resolution, and to suspend or restrict rights and obligations under it pursuant to articles L. 613-56-2-II, L. 613-56-4, L. 613-56-5, L. 613-56-8, L. 613-56- 9, L. 613-45-1 or L. 613-50-4 of the French Monetary and Financial Code (Code Monétaire et Financier) (“CMF”), as amended from time to time.

Without limiting the generality of other provisions of this Agreement, the Branch will 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 the Branch’s 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, pandemics or epidemics, legal compulsion, insolvency or the negligence of other financial institutions. Furthermore, the Branch will have no responsibility or liability for any blockage or reduction in the availability of funds in a Time Deposit due to any restrictions imposed or actions taken by any governmental, supervisory or monetary authority or by any other third party.

The Branch reserves the right to amend this Agreement at any time.

This Agreement and the Time Deposit Confirmation1 between you and us constitutes the entire agreement between the Parties relating to the subject matter hereof and supersedes all oral statements and prior writings with respect thereto.

If any provision of this Agreement is or becomes illegal, invalid or unenforceable under any law, the remaining provisions of this Agreement will remain in full force and effect.

This Agreement will remain in full force and effect, unless subsequently terminated by the Branch in accordance with the provisions of this Agreement (but subject to any legal requirement as to notice).

The provisions set forth in Sections 3, 4, 8, 9 and 10 will survive the termination of this Agreement.

If the Branch waives any of its rights under this Agreement, it does not mean the Branch will waive that right again in the future.

The section and paragraph headings in this Agreement are for convenience of reference only and shall not affect the meaning or construction of any provision of this Agreement.

The use of the singular shall be deemed to refer to the plural, and the use of the plural shall be deemed to refer to the singular whenever the context so requires.

1 Time Deposit Confirmations include Confirmations of Deposit or, for SWIFT confirmations via SWIFT MT320 messages, Fixed Loan Deposit Confirmations.