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 records, create the Business Service Agreement with us. We refer to our 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 the business or organization, you and the products and services you have requested. This infor- mation is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- tem. The forms, documents and information are retained in our rec- ords and are used to start, maintain and manage the products and services you have with us. They are the first part of our Business Service Agreement-- the “Part 1.” We refer to this document as the “Part 2” of our Business Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes “Our Electronic Funds Trans- fer Terms,” “Funds Availability of Deposits” and “Our Rates & Ser- vice Charges.” 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. 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 the 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 The terms of the BSA apply to all products and ser- vices unless those terms are superseded (controlled) by specific provisions in the contracts for those products and services.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 records, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationownership and survi- vorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information in- formation are retained in our rec- ords records and are used to start, maintain main- tain and manage the products and services you have with us. They are the first part of our Business Member Service Agreement-- Agreement - the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes the “Our Electronic Funds Trans- fer Transfer Terms,” disclosure, “Funds Availability of Deposits” and disclo- sure, “Our Rates & Ser- vice Service Charges.” disclosure and “Our Privacy 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. The Part 2 is the second part of our Business 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 Business Member Service Agreement, which we refer to as the “BSAMSA.” The BSA MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see the word “action” in Pro- vision Provision 1.e.). The BSA MSA applies when you take actions, conduct transactions 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 BSA MSA apply to all products and ser- vices services unless those terms are superseded (controlled) by specific provisions provi- sions in the contracts for those products and services. The BSA 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 concern- ing the business of our the Credit Union. You consent to the terms of the BSA MSA when you apply for membership, share your in- formation 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, do business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the infor- mation information you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately accurately in a document or our computer system and according to your instructionsinstruc- tions, as reflected in our records. You agree we may rely exclusively exclu- sively on the terms of the BSA 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 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 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.xx-xxxxx.xxxxxx.xxxx.xxx. logically, starting with important information, definitions ~ 1) Please Assure every Account meets Your Planning Needs. Please make sure the ownership 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 survivorship features of the Part 2 by reviewing the left side of the Table of Contents, which contains the twenty-six (26account(s) Provisions , you have with us match your financial and then the right side of the Table of Contents, which contains the disclosuresestate planning needs. You may access any Provision or disclosure by page numberThis is particularly important if you have requested to have more than one account with us, or by clicking have designated a benefi- ciary/POD payee or beneficiaries/POD payees on the title of account(s) with us (please see Provision 4.). Your affirmation that 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 account(s) you have questions about with us match your financial and estate planning needs assists us in providing you with excellent service and assuring we manage the organization of the Part 2, please con- tact us during business hours and we will be happy account(s) according to assist youyour wishes.

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 recordsrec- ords, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationowner- ship and survivorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information in our computer system are retained in our rec- ords records and are used to start, maintain and manage the products prod- ucts and services you have with us. They are the first part of our Business Member Service Agreement-- Agreement – the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes the “Our Electronic Funds Trans- fer TermsTransfer Disclosure,” “Funds Availability of DepositsDisclosure,” “Rate and Fee Disclo- sure” and “Our Rates & Ser- vice Charges.Privacy 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 usus (please see Provision 2.b. for the organization of this Part 2). The Part 2 is the second part of our Business 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 Business Member Service Agreement, which we refer to as the “BSAMSA.” The BSA MSA addresses how membership, products and services are started, confirmed, maintained, reviewedre- viewed, changed, added or terminated (please see the word “actionac- tion” in Pro- vision 1.eProvision 1.d.). The BSA 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 our products and services. The terms of the BSA MSA apply to all products and ser- vices services unless those terms are superseded (controlled) by specific provisions in the contracts for those products and servicesser- vices. The BSA MSA also applies to any person or organization that wants to take action, conduct a transaction or requests request us to act on any matter concerning the business of our the Credit Union. You consent con- sent to the terms of the BSA MSA when you apply for membership, share your in- formation information with us, sign or authorize a document, use a product or service, receive or have access to a periodic statementstate- ment, or request to do, or do, do business with us by any method we allow. When you perform any of the preceding activities, you also affirm that all the infor- mation information you provide to us is complete and true, and that any document has been completed and the information has been entered accu- rately in a document or our computer system accurately and according to your instructions, instructions as reflected in our records. You agree that we may rely exclusively on the terms of the BSA MSA, and that we have no obligation to rely on any non-Credit Union documentation unless otherwise required re- quired by law. You understand you may contact us and request to review or access a paper or electronically electronically-managed copy of your infor- mation information or document in our records, the current version of this Part 2, and all disclosures or other contractscontract, any time 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.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 Chargesxxx.xxxxx.xxx.” 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 records, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationownership and survivorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information are retained in our rec- ords records and are used to start, maintain and manage the products and services you have with us. They are the first part of our Business Member Service Agreement-- Agreement - the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes in- cludes the “Our Electronic Funds Trans- fer Transfer Terms,” disclosure, “Funds Availability of Deposits” and disclosure, “Our Rates & Ser- vice Service Charges.” disclosure and “Our Privacy 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. The Part 2 is the second part of our Business 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 Business Member Service Agreement, which we refer to as the “BSAMSA.” The BSA MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see the word “action” in Pro- vision Provision 1.e.). The BSA MSA applies when you take actions, conduct transactions on or use our products and services. It also addresses ad- dresses how we manage and communicate with you about our products and services. The terms of the BSA MSA apply to all products and ser- vices services unless those terms are superseded super- seded (controlled) by specific provisions in the contracts for those products and servicesser- vices. The BSA 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 our the Credit Union. You consent to the terms of the BSA MSA when you apply for membershipmember- ship, share your in- formation 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, do business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the infor- mation information you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately 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 BSA 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 electroni- cally-managed copy of your infor- mation information or document in our records, the current version of this Part 2, and all disclosures or other contracts, any time 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.xx-xxxxx.xxxxxx.xxxxx.xx. 1) Please Assure every Account meets Your Planning Needs. logically, starting with important information, definitions Please make sure the ownership 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 survivorship features of the Part 2 by reviewing the left side of the Table of Contents, which contains the twenty-six (26account(s) Provisions , you have with us match your financial and then the right side of the Table of Contents, which contains the disclosuresestate planning needs. You may access any Provision or disclosure by page numberThis is particularly important if you have requested to have more than one account with us, or by clicking have designated a beneficiary/POD payee or beneficiaries/POD payees on the title of account(s) with us (please see Provision 4.). Your affirmation that 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 account(s) you have questions about with us match your financial and estate plan- ning needs assists us in providing you with excellent service and assuring we manage the organization of the Part 2, please con- tact us during business hours and we will be happy account(s) according to assist youyour wishes.

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 records, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationownership and survi- vorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information in- formation are retained in our rec- ords records and are used to start, maintain main- tain and manage the products and services you have with us. They are the first part of our Business Member Service Agreement-- Agreement - the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes “Our Electronic Funds Trans- fer Terms,” “Funds Availability of Deposits,” “Our Rates & Service Charges” and “Our Rates & Ser- vice ChargesPrivacy Notice.” 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. The Part 2 is the second part of our Business 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 Business Member Service Agreement, which we refer to as the “BSAMSA.” The BSA MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see the word “action” in Pro- vision Provision 1.e.). The BSA MSA applies when you take actions, conduct transactions 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 BSA MSA apply to all products and ser- vices services unless those terms are superseded (controlled) by specific provisions provi- sions in the contracts for those products and services. The BSA 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 concern- ing the business of our Credit Union. You consent to the terms of the BSA MSA when you apply for membership, share your in- formation 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 infor- mation information you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately accurately in a document or our computer system and according to your instructionsin- structions, as reflected in our records. You agree we may rely exclusively ex- clusively on the terms of the BSA 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 infor- mation 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 businessbusi- ness. 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 Chargesxxx.xxxx.xxx.” 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 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 records, create the Business Service Agreement with us. We refer to our 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 the business or organization, you and the products and services you have requestedre- quested. This infor- mation 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 sys- temsystem. The forms, documents and information are retained in our rec- ords records and are used to start, maintain and manage the products and services you have with us. They are the first part of our Business Service Agreement-- the “Part 1.” We refer to this document as the “Part 2” of our Business Service Agreement. The Part 2 explains the terms of membership, products prod- ucts and services with us. It also includes the “Our Electronic Funds Trans- fer Transfer Terms,” disclosure, “Funds Availability of DepositsDepos- its” disclosure and “Our Rates & Ser- vice Service Charges.” 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. 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, reviewedre- viewed, changed, added or terminated (please see the word “actionac- tion” in Pro- vision 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 ser- vices services unless those terms are superseded (controlled) by specific provisions in the contracts for those products and servicesser- 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 our the Credit Union. You consent to the terms of the BSA when you apply for membership, share your in- formation information with us, sign or authorize a document, use a product or service, receive or have access to a periodic statementstate- ment, or request to do, or do, do business with us by any method we allow. When you perform any of the preceding activities, you also affirm all the infor- mation information you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately en- tered accurately in a document or our computer system and according ac- cording to your instructions, as reflected in our records. You agree we may rely exclusively on the terms of the BSA BSA, and we have no obligation to rely on any non-Credit Union documentation unless otherwise required by law. You understand you may contact con- tact us and request to review or access a paper or electronically electronically- managed copy of your infor- mation information or document in our records, the current version of this Part 2, and all disclosures or other contractscon- tracts, any time 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.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 ChargesxxXXXXX.xxx.” 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 records, create the Business Service Agreement with us. We refer to our 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 the business or organization, you and the products and services you have requested. This infor- mation is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- tem. The forms, documents and information are retained in our rec- ords and are used to start, maintain and manage the products and services you have with us. They are the first part of our Business Service Agreement-- the “Part 1.” We refer to this document as the “Part 2” of our Business Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes “Our Electronic Funds Trans- fer Terms,” “Funds Availability of Deposits” and “Our Rates & Ser- vice Charges.” 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. 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 the 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.xxxxxx.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 Provisions, and then the right side of the Table of Contents, which contains the disclosures. You may access any Provision 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 records, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationownership and survi- vorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information in- formation in our computer system are retained in our rec- ords records and are used to start, maintain and manage the products and services you have with us. They are the first part of our Business Member Service Agreement-- Agree- ment – the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes “Our Electronic Funds Trans- fer Terms,” disclosure, “Funds Availability of Deposits” and disclosure, “Our Rates & Ser- vice Service Charges.” disclosure and “Our Privacy No- xxxx” 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 usus (please see Provision 2.b. for the organization of this Part 2). The Part 2 is the second part of our Business 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 Business Member Service Agreement, which we refer to as the “BSAMSA.” The BSA MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see the word “action” in Pro- vision 1.eProvision 1.d.). The BSA MSA applies when you take actions, conduct transactions transac- tions on or use our products and services. It also addresses how we manage and communicate with you about our products and servicesser- vices. The terms of the BSA MSA apply to all products and ser- vices unless services un- less those terms are superseded (controlled) by specific provisions in the contracts for those products and services. The BSA MSA also applies ap- plies to any person or organization that wants to take action, conduct con- duct a transaction or requests request us to act on any matter concerning the business of our the Credit Union. You consent to the terms of the BSA MSA when you apply for membership, share your in- formation 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, do business with us by any method we allow. When you perform any of the preceding pre- ceding activities, you also affirm that all the infor- mation information you provide to us is complete and true, and that any document has been completed com- pleted and the information has been entered accu- rately in a document or our computer system accurately and according ac- cording to your instructions, instructions as reflected in our records. You agree that we may rely exclusively on the terms of the BSA 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 managed electronically-man- aged copy of your infor- mation information or document in our records, the current cur- rent version of this Part 2, and all disclosures or other contractscontract, any time 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.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 Chargeswww.hawaii- xxxxxxxx.xxx.” 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 records, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationownership and survi- vorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information in- formation are retained in our rec- ords records and are used to start, maintain main- tain and manage the products and services you have with us. They are the first part of our Business Member Service Agreement-- Agreement - the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes “Our Electronic Funds Trans- fer Terms,” “Funds Availability of Deposits,” “Our Rates & Service Charges” and “Our Rates & Ser- vice ChargesPrivacy Notice.” 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. The Part 2 is the second part of our Business 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 Business Member Service Agreement, which we refer to as the “BSAMSA.” The BSA MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see the word “action” in Pro- vision Provision 1.e.). The BSA MSA applies when you take actions, conduct transactions 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 BSA MSA apply to all products and ser- vices services unless those terms are superseded (controlled) by specific provisions provi- sions in the contracts for those products and services. The BSA 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 concern- ing the business of our Credit Union. You consent to the terms of the BSA MSA when you apply for membership, share your in- formation 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 infor- mation information you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately accurately in a document or our computer system and according to your instructionsin- structions, as reflected in our records. You agree we may rely exclusively ex- clusively on the terms of the BSA 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 infor- mation 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 businessbusi- ness. 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 records, create the Business Service Agreement with us. We refer to our 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 the business or organization, you and the products and services you have requested. This infor- mation is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- tem. The forms, documents and information are retained in our rec- ords and are used to start, maintain and manage the products and services you have with us. They are the first part of our Business Service Agreement-- the “Part 1.” We refer to this document as the “Part 2” of our Business Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes the “Our Electronic Funds Trans- fer TermsDisclosure,” " the “Funds Availability of Deposits” Disclosure" and the “Our Rates & Ser- vice ChargesRate and Fee 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. 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 the 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.xxxxxx.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 “Our Electronic Funds Transfer TermsDisclosure,” " the “Funds Availability of Deposits” Disclosure" and the “Our Rates & Service ChargesRate 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 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 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 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 records, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationownership and survi- vorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information in- formation are retained in our rec- ords records and are used to start, maintain main- tain and manage the products and services you have with us. They are the first part of our Business Member Service Agreement-- Agreement - the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes “Our Electronic Funds Trans- fer Terms,” “Funds Availability of Deposits,” “Our Rates & Service Charges” and “Our Rates & Ser- vice ChargesPrivacy Notice.” 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. The Part 2 is the second part of our Business 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 Business Member Service Agreement, which we refer to as the “BSAMSA.” The BSA MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see the word “action” in Pro- vision Provision 1.e.). The BSA MSA applies when you take actions, conduct transactions 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 BSA MSA apply to all products and ser- vices services unless those terms are superseded (controlled) by specific provisions provi- sions in the contracts for those products and services. The BSA 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 concern- ing the business of our Credit Union. You consent to the terms of the BSA MSA when you apply for membership, share your in- formation 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 infor- mation information you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately accurately in a document or our computer system and according to your instructionsin- structions, as reflected in our records. You agree we may rely exclusively ex- clusively on the terms of the BSA 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 infor- mation 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 businessbusi- ness. 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 Chargesxxx.xxxxxx.xxx.” 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 recordsrec- ords, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationowner- ship and survivorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information in our computer system are retained in our rec- ords records and are used to start, maintain and manage the products prod- ucts and services you have with us. They are the first part of our Business Member Service Agreement-- Agreement – the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products prod- ucts and services with us. It also includes “Our Electronic Funds Trans- fer Transfer Terms,” disclosure, “Funds Availability of Deposits” and dis- closure, “Our Rates & Ser- vice 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. 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 us (please see the 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.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 records, create the Business Member Service Agreement with us. We refer to our Business 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 business or organizationownership and survi- vorship features of accounts, you and the products and services you have requested. This infor- mation information is entered in our documents or computer system. In fact, the service form may consist entirely of information in our computer sys- temsystem. The forms, documents and information in- formation are retained in our rec- ords records and are used to start, maintain main- tain and manage the products and services you have with us. They are the first part of our Business Member Service Agreement-- Agreement - the “Part 1.” We refer to this document as the “Part 2” of our Business Member Service Agreement. The Part 2 explains the terms of membership, products and services with us. It also includes the “Our Electronic Funds Trans- fer TermsDisclosure,” the “Funds Availability of DepositsDisclosure,” the “Rate and Fee Disclosure” and the “Our Rates & Ser- vice ChargesPrivacy Notice.” Most of these disclosures are found at the end of this Part 2 2, and are also accessible separately sepa- rately from the Part 2 on our website or on request from us. The Part 2 is the second part of our Business 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 Business Member Service Agreement, which we refer to as the “BSAMSA.” The BSA MSA addresses how membership, products and services are started, confirmed, maintained, reviewed, changed, added or terminated (please see the word “action” in Pro- vision Provision 1.e.). The BSA MSA applies when you take actions, conduct transactions 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 BSA MSA apply to all products and ser- vices services unless those terms are superseded (controlled) by specific provisions provi- sions in the contracts for those products and services. The BSA 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 concern- ing the business of our Credit Union. You consent to the terms of the BSA MSA when you apply for membership, share your in- formation 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 infor- mation information you provide to us is complete and true, and any document has been completed and the information has been entered accu- rately accurately in a document or our computer system and according to your instructionsin- structions, as reflected in our records. You agree we may rely exclusively ex- clusively on the terms of the BSA 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 infor- mation 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 businessbusi- ness. 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 Chargesxxx.xxxxxxxxxx.xxx.” 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.