Common use of Credit Union’s Right to Investigate Clause in Contracts

Credit Union’s Right to Investigate. To protect the Credit Union and its members, the Credit Union has full rights to investigate all transactions, methods and means of making transactions to protect its members and the Credit Union. Membership-Account Eligibility, Credit Report, Other Credit Union Services and Social Media - To join the Credit Union, you must meet the membership requirements, including purchase and maintenance of the minimum required share(s) “membership share” as set forth in the Credit Union’s Bylaws. Continued eligibility for membership, any account(s), service(s), or loan products; increases or decreases in services and/or credit limits, now and in the future; or as needed to comply with any applicable law, regulation or governmental agency requirements including but not limited to escheatment/abandoned property, privacy, or other issues that may affect your rights, you authorize us to make inquiry to determine your employment history and to obtain information concerning any accounts with other institutions and your credit history, including consumer credit reports. You agree that this authority applies to any account, account-related service, loans or other financial products you request or which we may offer or make available to you. We may also report information concerning your account(s) and credit to others. You also understand that you may elect from time to time to use the Credit Union or other parties’ social media tools and sources; that there is no claim of privacy or privilege regarding information shared or discernible from such use or sharing; and the use of such information by us does not violate your privacy or other rights. Individual Accounts - An individual account is an account owned by one (1) member (individual, trust, or other organization) qualified for Credit Union membership. If the account owner dies, the interest passes, subject to applicable law, to the account owner’s estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner’s agent prior to notice of an owner’s death, and to any security interest or pledge granted by the account owner, and subject to our statutory lien rights. Joint Accounts - A joint account is an account owned by two (2) or more persons with rights of survivorship.

Credit Union’s Right to Investigate. To protect It is agreed that it is critical to the Credit Union and its members, members that the Credit Union has have full rights to investigate all transactions, methods and means of making transactions to protect its members and the Credit Union. Membership-Therefore, it is agreed that upon notification of any claim of error, unauthorized transaction(s) or other notification related to or arising from any transaction(s), methods or means of making transactions the Credit Union shall have full rights of investigation to extend to all persons, means and methods of making transactions. It is expressly agreed that this shall specifically include the right to inspect and scan a member’s or user’s access device(s); including but not limited to computers, tablets and smartphones; and to report the Credit Union’s findings of such investigation to all owners and/or users. Credit Reports, Account Eligibility, Credit Report, Other Credit Union Services and Social Media - To join open or maintain any account(s) or service(s) with us, you must qualify for membership and deposit and maintain the par value of the required shares as provided by the Credit Union, you must meet the membership requirements, including purchase 's Bylaws and maintenance of the minimum required share(s) “membership share” as set forth in the Credit Union’s Bylawsother applicable laws. Continued To verify your eligibility or continued eligibility for membership, any account(s), service(s), or loan products; increases or decreases in services and/or credit limits, now and in the future; or as needed to comply with any applicable law, regulation or governmental agency requirements including but not limited to escheatment/abandoned property, privacy, or other issues that may affect your rights, or pursuant to any reasonable actions we take to ensure our compliance with such laws regulations or governmental agency requirements (all of which are deemed permissible purposes by you and us) you authorize us to make inquiry to determine your employment history and to obtain information concerning any accounts with other institutions and your credit history, including consumer credit reports. You agree that this authority applies to any account, account-related service, loans or other financial products you request or which we may offer or make available to you. We may also report information concerning your account(s) and credit to others. You also understand that you may elect from time to time to use the Credit Union or other parties’ social media tools and sources; that there is no claim of privacy or privilege regarding information shared or discernible from such use or sharing; and the use of such information by us does not violate your privacy or other rights. Individual Accounts - An individual account If you have consented to communicating with us via social media we may use any social media addresses you may establish from time to time. Deposits to Your Account(s) and Instruments Paid/Cashed Funds may be deposited to any account, in any manner that is an account owned acceptable to us. Deposits may be made by one (1) member (individualmail, trustin person at any of our offices having facilities to accept deposits, by direct deposit or other organizationelectronic funds transfer allowed by us including Remote Deposit Capture or Mobile Deposit Capture if approved for these service(s). Should we accept a deposit from you by any electronically created item (example includes, but is not limited to, remotely deposited check) qualified you will indemnify us for Credit Union membership. If any claim by any subsequent third party for claim of loss for a subsequent deposit of the account owner diessame item, the interest passes, subject to applicable law, to the account owner’s estate whether such action was authorized by you or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner’s agent prior to notice of an owner’s death, and to any security interest or pledge granted by the account owner, and subject to our statutory lien rights. Joint Accounts - A joint account is an account owned by two (2) or more persons with rights of survivorshipnot.

Credit Union’s Right to Investigate. To protect It is agreed that it is critical to the Credit Union and its members, members that the Credit Union has have full rights to investigate all transactions, methods methods, and means of making transactions to protect its members and the Credit Union. Therefore, it is agreed that upon notification of any claim of error, unauthorized transaction(s) or other notification related to or arising from any transaction(s), methods, or means of making transactions the Credit Union shall have full rights of investigation to extend to all persons, means, and methods of making transactions. It is expressly agreed that this shall specifically include the right to inspect and scan a member’s or users access device(s) including but not limited to computers, tablets and smartphone’s; and to report the Credit Union’s findings of such investigation to all owners and/or users. Credit Reports, Membership-Account Eligibility, Credit Report, Other Credit Union Services and Social Media - Media: To join the Credit Union, you must meet the membership requirements, including purchase and maintenance of the minimum required share(s) “membership share” as set forth in the Credit Union’s Bylaws. Continued verify your eligibility or continued eligibility for membership, any account(s), service(s), or loan products; increases or decreases in services and/or credit limits, now and in the future; or as needed to comply with any applicable law, regulation or governmental agency requirements including but not limited to escheatment/escheatment and/or abandoned property, privacy, or other issues that may affect your rights, or pursuant to any reasonable actions we take to ensure our compliance with such laws, regulations or governmental agency requirements (all of which are deemed permissible purposes by you and us) you authorize us to make inquiry to determine your employment history and to obtain information concerning any accounts with other institutions and your credit history, including consumer credit reports. You agree that this authority applies to any account, account-account- related service, loans or other financial products you request or which we may offer or make available to you. We may also report information concerning your account(s) and credit to others. You also understand that you may elect from time to time to use the Credit Union or other parties’ social media tools and sources; that there is no claim of privacy or privilege regarding information shared or discernible from such use or sharing; and the use of such information by us does not violate your privacy or other rights. Individual Accounts - An individual account is an account owned by one (1) member (individualIf you have consented to communicating with us via social media, trust, or other organization) qualified for Credit Union membership. If the account owner dies, the interest passes, subject we may use any social media addresses you may establish from time to applicable law, to the account owner’s estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner’s agent prior to notice of an owner’s death, and to any security interest or pledge granted by the account owner, and subject to our statutory lien rights. Joint Accounts - A joint account is an account owned by two (2) or more persons with rights of survivorshiptime.

Credit Union’s Right to Investigate. To protect It is agreed that it is critical to the Credit Union and its members, members that the Credit Union has have full rights to investigate all transactions, methods and means of making transactions to protect its members and the Credit Union. Membership-Therefore, it is agreed that upon notification of any claim of error, unauthorized transaction(s) or other notification related to or arising from any transaction(s), methods or means of making transactions the Credit Union shall have full rights of investigation to extend to all persons, means and methods of making transactions. It is expressly agreed that this shall specifically include the right to inspect and scan a member’s or user’s access device(s); including but not limited to computers, tablets and smartphones; and to report the Credit Union’s findings of such investigation to all owners and/or users. Credit Reports, Account Eligibility, Credit Report, Other Credit Union Services and Social Media - To join open or maintain any account(s) or service(s) with us, you must qualify for membership and deposit and maintain the par value of the required shares as provided by the Credit Union, you must meet the membership requirements, including purchase 's Bylaws and maintenance of the minimum required share(s) “membership share” as set forth in the Credit Union’s Bylawsother applicable laws. Continued To verify your eligibility or continued eligibility for membership, any account(s), service(s), or loan products; increases or decreases in services and/or credit limits, now and in the future; or as needed to comply with any applicable law, regulation or governmental agency requirements including but not limited to escheatment/abandoned property, privacy, or other issues that may affect your rights, or pursuant to any reasonable actions we take to ensure our compliance with such laws regulations or governmental agency requirements (all of which are deemed permissible purposes by you and us) you authorize us to make inquiry to determine your employment history and to obtain information concerning any accounts with other institutions and your credit history, including consumer credit reports. You agree that this authority applies to any account, account-related service, loans or other financial products you request or which we may offer or make available to you. We may also report information concerning your account(s) and credit to others. You also understand that you may elect from time to time to use the Credit Union or other parties’ social media tools and sources; that there is no claim of privacy or privilege regarding information shared or discernible from such use or sharing; and the use of such information by us does not violate your privacy or other rights. Individual Accounts - An individual account is an account owned by one (1) member (individual, trust, or other organization) qualified for Credit Union membership. If the account owner dies, the interest passes, subject you have consented to applicable law, communicating with us via social media we may use any social media addresses you may establish from time to the account owner’s estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner’s agent prior to notice of an owner’s death, and to any security interest or pledge granted by the account owner, and subject to our statutory lien rights. Joint Accounts - A joint account is an account owned by two (2) or more persons with rights of survivorshiptime.