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13. Regulatory Audits. Customer shall make its facilities, systems, personnel, and records, related to its performance <br />under this Agreement available for audit when required by applicable law or by state or federal bank regulatory <br />authorities with jurisdiction over Bank. <br />14. Survival. The provisions of this Exhibit that by their operation or effect apply after the expiration or termination <br />of this Agreement will apply after such expiration or termination, including but not limited to Sections 4, 7, 8, 10, 13, <br />14 and 15. <br />15. Governing Law. The Bank is chartered and located in the State of Utah and as such, the HSAs are governed by <br />Utah laws and regulations. Accordingly, this HSA Exhibit shall be governed by laws of the state of Utah without <br />giving effect to its conflicts of law provisions. <br />By signing below, each party agrees to the terms of this Exhibit. <br />City of San Marcos <br />630 E Hopkins Street <br />San Marcos, TX 78666 <br />By <br />Print Name <br />Print Title <br />Date <br />Authorized Signature <br />United HealthCare Services, Inc. <br />185 Asylum Street <br />Hartford, CT 06103 -3408 <br />By <br />Print Name <br />Print Title <br />Date <br />48 <br />Authorized Signature <br />