Common use of Agreement to Membership, Products and Services Clause in Contracts

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ords, create the Member Service Agreement with us. We refer to our Member Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about you, the owner- ship and survivorship features of accounts, and the products and services you have requested. This information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer system. The forms, documents and information in our computer system are retained in our records and used to start, maintain and manage the prod- ucts and services you have with us. They are the first part of our Member Service Agreement – the “Part 1.” We refer to this document as the “Part 2” of our Member Service Agreement. The Part 2 explains the terms of membership, prod- ucts and services with us. It also includes “Our Electronic Funds Transfer Terms” disclosure, “Funds Availability of Deposits” dis- closure, “Our Rates & Service Charges” disclosure and “Our Pri- vacy Notice” disclosure. Most of these disclosures are found at the end of this Part 2, and are also accessible separately from the Part 2 on our website or on request from us (please see Provision

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Service Agreement with us. We refer to our Member Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about you, the owner- ship ownership and survivorship survi- vorship features of accounts, and the products and services you have requested. This information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer system. The forms, documents and information in our computer system in- formation are retained in our records and are used to start, maintain main- tain and manage the prod- ucts products and services you have with us. They are the first part of our Member Service Agreement – - the “Part 1.” We refer to this document as the “Part 2” of our Member Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes “Our Electronic Funds Transfer Trans- fer Terms,” disclosure, “Funds Availability of Deposits,” dis- closure, “Our Rates & Service Charges” disclosure and “Our Pri- vacy Privacy Notice.” disclosure. Most of these disclosures are found at the end of this Part 2, and are also accessible separately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Member Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Member Service Agreement, which we refer to as the “MSA.” The MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see Provisionthe word “action” in Provision 1.e.). The MSA applies when you take actions, conduct transac- tions on or use our products and services. It also addresses how we manage and communicate with you about our products and services. The terms of the MSA apply to all products and services unless those terms are superseded (controlled) by specific provi- sions in the contracts for those products and services. The MSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concern- ing the business of our Credit Union. You consent to the terms of the MSA when you apply for membership, share your information with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do, or do, business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the information you provide to us is complete and true, and any document has been completed and the information has been entered accurately in a document or our computer system and according to your in- structions, as reflected in our records. You agree we may rely ex- clusively on the terms of the MSA and have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electronically managed copy of your information or document in our records, the current version of this Part 2, and all disclosures or other contracts, any time we are open for busi- ness. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xx-xxxxx.xxx.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ords, create the Member Service Agreement with us. We refer to our Member Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about you, the owner- ship and survivorship features of accounts, and the products and services you have requested. This information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer system. The forms, documents and information in our computer system are retained in our records and used to start, maintain and manage the prod- ucts and services you have with us. They are the first part of our Member Service Agreement – the “Part 1.” We refer to this document as the “Part 2” of our Member Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes the “Our Electronic Funds Transfer TermsDisclosure,” disclosure, “Funds Availability of DepositsDisclosure,” dis- closure, “Our Rates & Service ChargesRate and Fee Disclo- sure” disclosure and “Our Pri- vacy Privacy Notice” disclosure. Most of these disclosures are found at the end of this Part 2, and are also accessible separately from the Part 2 on our website or on request from us (please see ProvisionProvision 2.b. for the organization of this Part 2). The Part 2 is the second part of our Member Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Member Service Agreement, which we refer to as the “MSA.” The MSA addresses how membership, products and services are started, confirmed, maintained, re- viewed, changed, added or terminated (please see the word “ac- tion” in Provision 1.d.). The MSA applies when you take actions, conduct transactions on or use our products and services. It also addresses how we manage and communicate with you about products and services. The terms of the MSA apply to all products and services unless those terms are superseded (controlled) by specific provisions in the contracts for those products and ser- vices. The MSA also applies to any person or organization that wants to take action, conduct a transaction or request us to act on any matter concerning the business of the Credit Union. You con- sent to the terms of the MSA when you apply for membership, share your information with us, sign or authorize a document, use a product or service, receive or have access to a periodic state- ment, or request to do business with us by any method we allow. When you perform any of the preceding activities, you also affirm that all the information you provide to us is complete and true, and that any document has been completed and the information has been entered accurately and according to your instructions as reflected in our records. You agree that we may rely exclusively on the terms of the MSA, and that we have no obligation to rely on any non-Credit Union documentation unless otherwise re- quired by law. You understand you may contact us and request to review or access a paper or electronically-managed copy of your information or document in our records, the current version of this Part 2, all disclosures or other contract, anytime we are open for business. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xxxxx.xxx.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Business Service Agreement with us. We refer to our Member Business Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about youthe business or organization, the owner- ship and survivorship features of accounts, you and the products and services you have requested. This information infor- mation is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer systemsys- tem. The forms, documents and information in our computer system are retained in our records rec- ords and are used to start, maintain and manage the prod- ucts products and services you have with us. They are the first part of our Member Business Service Agreement – Agreement-- the “Part 1.” We refer to this document as the “Part 2” of our Member Business Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes “Our Electronic Funds Transfer Trans- fer Terms,” disclosure, “Funds Availability of Deposits” dis- closure, and “Our Rates & Service Ser- vice Charges.” disclosure and “Our Pri- vacy Notice” disclosure. Most of these disclosures are found at the end of this Part 2, 2 and are also accessible separately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Business Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Business Service Agreement, which we refer to as the “BSA.” The BSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see Provisionthe word “action” in Pro- vision 1.e.). The BSA applies when you take actions, conduct transactions on or use our products and services. It also addresses how we manage and communicate with you about our products and services. The terms of the BSA apply to all products and ser- vices unless those terms are superseded (controlled) by specific provisions in the contracts for those products and services. The BSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concerning the business of our Credit Union. You consent to the terms of the BSA when you apply for membership, share your in- formation with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do, or do, business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the infor- mation you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately in a document or our computer system and according to your instructions, as reflected in our records. You agree we may rely exclusively on the terms of the BSA and have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electronically managed copy of your infor- mation or document in our records, the current version of this Part 2, and all disclosures or other contracts, any time we are open for business. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xxxxxx.xxx. logically, starting with important information, definitions and manage- ment matters you should know about the BSA. The Part 2 then ad- dresses membership and starting new products and services. The Part 2 thereafter explains how you may conduct transactions on and use our products and services, and how we maintain and manage them. It also describes how you or we may make changes and addi- tions to products, services and the contracts that govern them. Fi- xxxxx, the Part 2 addresses product and service termination issues. The Part 2 concludes with three (3) important disclosures that also affect our accounts, products and services: “Our Electronic Funds Transfer Terms,” “Funds Availability of Deposits” and “Our Rates & Service Charges.” You may see the general organization of the Part 2 by reviewing the left side of the Table of Contents, which contains the twenty-six (26) Provisions, and then the right side of the Table of Contents, which contains the disclosures. You may access any Pro- vision or disclosure by page number, or by clicking on the title of the Provision or disclosure in the PDF of the Part 2. You may return to the Table of Contents in the PDF of the Part 2 by clicking on the acronym “TOC” located in the right lower corner of the PDF. Should you have questions about the organization of the Part 2, please con- tact us during business hours and we will be happy to assist you.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Service Agreement with us. We refer to our Member Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about you, the owner- ship ownership and survivorship survi- vorship features of accounts, and the products and services you have requested. This information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer system. The forms, documents and information in our computer system in- formation are retained in our records and are used to start, maintain main- tain and manage the prod- ucts products and services you have with us. They are the first part of our Member Service Agreement – - the “Part 1.” We refer to this document as the “Part 2” of our Member Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes the “Our Electronic Funds Transfer Terms” disclosure, “Funds Availability of Deposits” dis- closuredisclo- sure, “Our Rates & Service Charges” disclosure and “Our Pri- vacy Privacy Notice” disclosure. Most of these disclosures are found at the end of this Part 2, and are also accessible separately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Member Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Member Service Agreement, which we refer to as the “MSA.” The MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see Provisionthe word “action” in Provision 1.e.). The MSA applies when you take actions, conduct transac- tions on or use our products and services. It also addresses how we manage and communicate with you about our products and services. The terms of the MSA apply to all products and services unless those terms are superseded (controlled) by specific provi- sions in the contracts for those products and services. The MSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concern- ing the business of the Credit Union. You consent to the terms of the MSA when you apply for membership, share your information with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the information you provide to us is complete and true, and any document has been completed and the information has been entered accurately in a document or our computer system and according to your instruc- tions, as reflected in our records. You agree we may rely exclu- sively on the terms of the MSA, and we have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electronically-managed copy of your infor- mation or document in our records, the current version of this Part 2, and all disclosures or other contracts, anytime we are open for business. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xxxx.xxx. ~

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Service Agreement with us. We refer to our Member Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about you, the owner- ship ownership and survivorship survi- vorship features of accounts, and the products and services you have requested. This information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer system. The forms, documents and information in- formation in our computer system are retained in our records and used to start, maintain and manage the prod- ucts products and services you have with us. They are the first part of our Member Service Agreement Agree- ment – the “Part 1.” We refer to this document as the “Part 2” of our Member Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes “Our Electronic Funds Transfer Trans- fer Terms” disclosure, “Funds Availability of Deposits” dis- closuredisclosure, “Our Rates & Service Charges” disclosure and “Our Pri- vacy NoticePrivacy No- xxxx” disclosure. Most of these disclosures are found at the end of this Part 2, and are also accessible separately from the Part 2 on our website or on request from us (please see ProvisionProvision 2.b. for the organization of this Part 2). The Part 2 is the second part of our Member Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Member Service Agreement, which we refer to as the “MSA.” The MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see the word “action” in Provision 1.d.). The MSA applies when you take actions, conduct transac- tions on or use our products and services. It also addresses how we manage and communicate with you about products and ser- vices. The terms of the MSA apply to all products and services un- less those terms are superseded (controlled) by specific provisions in the contracts for those products and services. The MSA also ap- plies to any person or organization that wants to take action, con- duct a transaction or request us to act on any matter concerning the business of the Credit Union. You consent to the terms of the MSA when you apply for membership, share your information with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do business with us by any method we allow. When you perform any of the pre- ceding activities, you also affirm that all the information you provide to us is complete and true, and that any document has been com- pleted and the information has been entered accurately and ac- cording to your instructions as reflected in our records. You agree that we may rely exclusively on the terms of the MSA, and that we have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electronically-man- aged copy of your information or document in our records, the cur- rent version of this Part 2, all disclosures or other contract, anytime we are open for business. You may also access a current version of this Part 2 and all disclosures on our website at www.hawaii- xxxxxxxx.xxx.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Business Service Agreement with us. We refer to our Member Business Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about youthe business or organization, the owner- ship and survivorship features of accounts, you and the products and services you have requested. This information infor- mation is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer systemsys- tem. The forms, documents and information in our computer system are retained in our records rec- ords and are used to start, maintain and manage the prod- ucts products and services you have with us. They are the first part of our Member Business Service Agreement – Agreement-- the “Part 1.” We refer to this document as the “Part 2” of our Member Business Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes “Our Electronic Funds Transfer Trans- fer Terms,” disclosure, “Funds Availability of Deposits” dis- closure, and “Our Rates & Service Ser- vice Charges.” disclosure and “Our Pri- vacy Notice” disclosure. Most of these disclosures are found at the end of this Part 2, 2 and are also accessible separately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Business Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Business Service Agreement, which we refer to as the “BSA.” The BSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see Provisionthe word “action” in Pro- vision 1.e.). The BSA applies when you take actions, conduct transactions on or use our products and services. It also addresses how we manage and communicate with you about our products and services. The terms of the BSA apply to all products and ser- vices unless those terms are superseded (controlled) by specific provisions in the contracts for those products and services. The BSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concerning the business of our Credit Union. You consent to the terms of the BSA when you apply for membership, share your in- formation with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do, or do, business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the infor- mation you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately in a document or our computer system and according to your instructions, as reflected in our records. You agree we may rely exclusively on the terms of the BSA and have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electronically managed copy of your infor- mation or document in our records, the current version of this Part 2, and all disclosures or other contracts, any time we are open for business. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xx-xxxxx.xxx. logically, starting with important information, definitions and manage- ment matters you should know about the BSA. The Part 2 then ad- dresses membership and starting new products and services. The Part 2 thereafter explains how you may conduct transactions on and use our products and services, and how we maintain and manage them. It also describes how you or we may make changes and addi- tions to products, services and the contracts that govern them. Fi- xxxxx, the Part 2 addresses product and service termination issues. The Part 2 concludes with three (3) important disclosures that also affect our accounts, products and services: “Our Electronic Funds Transfer Terms,” “Funds Availability of Deposits” and “Our Rates & Service Charges.” You may see the general organization of the Part 2 by reviewing the left side of the Table of Contents, which contains the twenty-six (26) Provisions , and then the right side of the Table of Contents, which contains the disclosures. You may access any Provision or disclosure by page number, or by clicking on the title of the Provision or disclosure in the PDF of the Part 2. You may return to the Table of Contents in the PDF of the Part 2 by clicking on the acronym “TOC” located in the right lower corner of the PDF. Should you have questions about the organization of the Part 2, please con- tact us during business hours and we will be happy to assist you.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Service Agreement with us. We refer to our Member Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about you, the owner- ship ownership and survivorship features of accounts, and the products and services you have requested. This information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer system. The forms, documents and information in our computer system are retained in our records and are used to start, maintain and manage the prod- ucts products and services you have with us. They are the first part of our Member Service Agreement – - the “Part 1.” We refer to this document as the “Part 2” of our Member Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes in- cludes the “Our Electronic Funds Transfer Terms” disclosure, “Funds Availability of Deposits” dis- closuredisclosure, “Our Rates & Service Charges” disclosure and “Our Pri- vacy Privacy Notice” disclosure. Most of these disclosures are found at the end of this Part 2, and are also accessible separately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Member Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Member Service Agreement, which we refer to as the “MSA.” The MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see Provisionthe word “action” in Provision 1.e.). The MSA applies when you take actions, conduct transactions on or use our products and services. It also ad- dresses how we manage and communicate with you about our products and services. The terms of the MSA apply to all products and services unless those terms are super- seded (controlled) by specific provisions in the contracts for those products and ser- vices. The MSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concerning the business of the Credit Union. You consent to the terms of the MSA when you apply for member- ship, share your information with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the information you provide to us is complete and true, and any document has been completed and the information has been entered accurately in a document or our computer system and according to your instructions, as reflected in our records. You agree we may rely exclusively on the terms of the MSA, and we have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electroni- cally-managed copy of your information or document in our records, the current version of this Part 2, and all disclosures or other contracts, anytime we are open for business. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xxxxx.xx.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Business Service Agreement with us. We refer to our Member Business Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about youthe business or organization, the owner- ship and survivorship features of accounts, you and the products and services you have requested. This information infor- mation is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer systemsys- tem. The forms, documents and information in our computer system are retained in our records rec- ords and are used to start, maintain and manage the prod- ucts products and services you have with us. They are the first part of our Member Business Service Agreement – Agreement-- the “Part 1.” We refer to this document as the “Part 2” of our Member Business Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes the “Our Electronic Funds Transfer Terms” disclosure, Trans- fer Disclosure," the “Funds Availability of DepositsDisclosure" and the “Rate and Fee Disclosure.” dis- closure, “Our Rates & Service Charges” disclosure and “Our Pri- vacy Notice” disclosure. Most of these disclosures are found at the end of this Part 2, 2 and are also accessible separately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Business Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Business Service Agreement, which we refer to as the “BSA.” The BSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see Provisionthe word “action” in Pro- vision 1.e.). The BSA applies when you take actions, conduct transactions on or use our products and services. It also addresses how we manage and communicate with you about our products and services. The terms of the BSA apply to all products and ser- vices unless those terms are superseded (controlled) by specific provisions in the contracts for those products and services. The BSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concerning the business of our Credit Union. You consent to the terms of the BSA when you apply for membership, share your in- formation with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do, or do, business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the infor- mation you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately in a document or our computer system and according to your instructions, as reflected in our records. You agree we may rely exclusively on the terms of the BSA and have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electronically managed copy of your infor- mation or document in our records, the current version of this Part 2, and all disclosures or other contracts, any time we are open for business. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xxxxxxxxxx.xxx. logically, starting with important information, definitions and manage- ment matters you should know about the BSA. The Part 2 then ad- dresses membership and starting new products and services. The Part 2 thereafter explains how you may conduct transactions on and use our products and services, and how we maintain and manage them. It also describes how you or we may make changes and addi- tions to products, services and the contracts that govern them. Fi- xxxxx, the Part 2 addresses product and service termination issues. The Part 2 concludes with three (3) important disclosures that also affect our accounts, products and services: the “Electronic Funds Transfer Disclosure," the “Funds Availability Disclosure" and the “Rate and Fee Disclosure.” You may see the general organization of the Part 2 by reviewing the left side of the Table of Contents, which contains the twenty-six (26) Provisions, and then the right side of the Table of Contents, which contains the disclosures. You may access any Provision or disclosure by page number, or by clicking on the title of the Provision or disclosure in the PDF of the Part 2. You may return to the Table of Contents in the PDF of the Part 2 by clicking on the acronym “TOC” located in the right lower corner of the PDF. Should you have questions about the organization of the Part 2, please contact us during business hours and we will be happy to assist you.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products prod- ucts and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents docu- ments in our rec- ordsrecords, create the Member Business Service Agreement with us. We refer to our Member Business Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about youthe business or organization, the owner- ship and survivorship features of accounts, you and the products and services you have requestedre- quested. This information is entered in our documents or computer comput- er system. In fact, the service form may consist entirely of information infor- mation in our computer system. The forms, documents and information in our computer system are retained in our records and are used to start, maintain and manage the prod- ucts products and services you have with us. They are the first part of our Member Business Service Agreement – Agreement-- the “Part 1.” We refer to this document as the “Part 2” of our Member Business Service Agreement. The Part 2 explains the terms of membership, prod- ucts and services with us. It also includes the “Our Electronic Funds Transfer Terms” disclosure, “Funds Availability of DepositsDepos- its” dis- closure, disclosure and “Our Rates & Service Charges” disclosure and “Our Pri- vacy Notice” disclosure. Most of these disclosures are found at the end of this Part 2, 2 and are also accessible separately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Business Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Business Service Agreement, which we refer to as the “BSA.” The BSA addresses how membership, products and services are started, confirmed, maintained, re- viewed, changed, added or terminated (please see Provisionthe word “ac- tion” in Provision 1.e.). The BSA applies when you take actions, conduct transactions on or use our products and services. It also addresses how we manage and communicate with you about our products and services. The terms of the BSA apply to all products and services unless those terms are superseded (controlled) by specific provisions in the contracts for those products and ser- vices. The BSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concerning the business of the Credit Union. You consent to the terms of the BSA when you apply for membership, share your information with us, sign or authorize a document, use a product or service, receive or have access to a periodic state- ment, or request to do business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the information you provide to us is complete and true, and any document has been completed and the information has been en- tered accurately in a document or our computer system and ac- cording to your instructions, as reflected in our records. You agree we may rely exclusively on the terms of the BSA, and we have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may con- tact us and request to review or access a paper or electronically- managed copy of your information or document in our records, the current version of this Part 2, and all disclosures or other con- tracts, anytime we are open for business. You may also access a current version of this Part 2 and all disclosures on our website at xxXXXXX.xxx.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Service Agreement with us. We refer to our Member Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about you, the owner- ship ownership and survivorship survi- vorship features of accounts, and the products and services you have requested. This information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer system. The forms, documents and information in our computer system in- formation are retained in our records and are used to start, maintain main- tain and manage the prod- ucts products and services you have with us. They are the first part of our Member Service Agreement – - the “Part 1.” We refer to this document as the “Part 2” of our Member Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes “Our Electronic Funds Transfer Trans- fer Terms,” disclosure, “Funds Availability of Deposits,” dis- closure, “Our Rates & Service Charges” disclosure and “Our Pri- vacy Privacy Notice.” disclosure. Most of these disclosures are found at the end of this Part 2, and are also accessible separately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Member Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Member Service Agreement, which we refer to as the “MSA.” The MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see Provisionthe word “action” in Provision 1.e.). The MSA applies when you take actions, conduct transac- tions on or use our products and services. It also addresses how we manage and communicate with you about our products and services. The terms of the MSA apply to all products and services unless those terms are superseded (controlled) by specific provi- sions in the contracts for those products and services. The MSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concern- ing the business of our Credit Union. You consent to the terms of the MSA when you apply for membership, share your information with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do, or do, business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the information you provide to us is complete and true, and any document has been completed and the information has been entered accurately in a document or our computer system and according to your in- structions, as reflected in our records. You agree we may rely ex- clusively on the terms of the MSA and have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electronically managed copy of your information or document in our records, the current version of this Part 2, and all disclosures or other contracts, any time we are open for busi- ness. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xxxxxx.xxx.

Agreement to Membership, Products and Services. When you join our Credit Union and start accounts, loans, products and services with us, you may sign a Part 1 service form, and will be provided or be able to access this Part 2 document. The Parts 1 and 2, along with the related information and documents in our rec- ordsrecords, create the Member Service Agreement with us. We refer to our Member Service Agreement form as a “Part 1 form” or “service form.” We (or you) may complete the form, which you review and sign or authorize to use our products and services. The form may include information about you, the owner- ship ownership and survivorship survi- vorship features of accounts, and the products and services you have requested. This information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer system. The forms, documents and information in our computer system in- formation are retained in our records and are used to start, maintain main- tain and manage the prod- ucts products and services you have with us. They are the first part of our Member Service Agreement – - the “Part 1.” We refer to this document as the “Part 2” of our Member Service Agreement. The Part 2 explains the terms of membership, prod- ucts products and services with us. It also includes the “Our Electronic Funds Transfer TermsTrans- fer Disclosure,” disclosure, the “Funds Availability of DepositsDisclosure,” dis- closure, the “Our Rates & Service ChargesRate and Fee Disclosure” disclosure and the “Our Pri- vacy Privacy Notice.” disclosure. Most of these disclosures are found at the end of this Part 2, and are also accessible separately sepa- rately from the Part 2 on our website or on request from us us. The Part 2 is the second part of our Member Service Agreement. You understand that Parts 1 and 2, along with the information and documents in our records, create a legally binding contract with us. This contract is the Member Service Agreement, which we refer to as the “MSA.” The MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see Provisionthe word “action” in Provision 1.e.). The MSA applies when you take actions, conduct transac- tions on or use our products and services. It also addresses how we manage and communicate with you about our products and services. The terms of the MSA apply to all products and services unless those terms are superseded (controlled) by specific provi- sions in the contracts for those products and services. The MSA also applies to any person or organization that wants to take action, conduct a transaction or requests us to act on any matter concern- ing the business of our Credit Union. You consent to the terms of the MSA when you apply for membership, share your information with us, sign or authorize a document, use a product or service, receive or have access to a periodic statement, or request to do, or do, business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the information you provide to us is complete and true, and any document has been completed and the information has been entered accurately in a document or our computer system and according to your in- structions, as reflected in our records. You agree we may rely ex- clusively on the terms of the MSA and have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact us and request to review or access a paper or electronically managed copy of your information or document in our records, the current version of this Part 2, and all disclosures or other contracts, any time we are open for busi- ness. You may also access a current version of this Part 2 and all disclosures on our website at xxx.xxxxxxxxxx.xxx.