MA940101 OtegsgoriM3 CONFIDENTIAL SDNY_GM_00038481 CONFIDENTIAL — PURSUANT TO FED R CRIM. P. 6(e) DB-SDNY-0001305 EFTA_00149090 EFTA01282886 ATM/Debit ServiCe YOu agree Thal the retention or use. of the ATM/Debit card constitutes acceptance of the terms and conditions of the' CardhOlder Agreement containe

s Or deliveries. 2 CONFIDENTIAL SDNY_GM_00038583 CONFIDENTIAL — PURSUANT TO FED R. CRIM. P. 6(e) DB-SDNY-0001407 EFFA_00149192 EFTA01282972 ATM/Debit ServiCe YOu agree that the retention or use. of the ATM/Debit card constitutes acceptance of the terms and conditions of the' CardhOlder Agreement containe