Common use of Holding Funds in Your Account Clause in Contracts

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We have a right of setoff 4 We comply with a court order or other legal process 4 We have been notified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We in good faith believe we have a claim against you or the funds in your account 4Something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue to rely on the account signature forms and other account documents in our possession 4 Pay the funds to an appropriate court of law or equity for resolution 4 Honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU harmless from and against all claims, actions, costs and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where we do business. LGFCU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account or any joint owner. Legal process against your account is subject to LGFCU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges and Transfers LGFCU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Holiday Cash Club or Salary Advance Cash Account) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 Ø We have a right of setoff 4 or may enforce our lien Ø We comply with a court order or other legal process 4 Ø We have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 Ø We in good faith believe we have a claim against you or the funds in your account 4Something Ø Something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified of, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Ø Continue to rely on the account signature forms and other account documents in our possession 4 Ø Pay the funds to an appropriate court of law or equity for resolution 4 Ø Honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Ø Close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU harmless from and against all claims, actions, costs and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where we do business. LGFCU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account or any joint owner. Legal process against your account is subject to LGFCU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges and Transfers LGFCU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Holiday Cash Club or Salary Advance Cash Account) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4  We have a right of setoff 4 or may enforce our lien  We comply with a court order or other legal process 4  We have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4  We in good faith believe we have a claim against you or the funds in your account 4Something  Something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified of, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4  Continue to rely on the account signature forms and other account documents in our possession 4  Pay the funds to an appropriate court of law or equity for resolution 4  Honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4  Close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU harmless from and against all claims, actions, costs and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where we do business. LGFCU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account or any joint owner. Legal process against your account is subject to LGFCU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges and Transfers LGFCU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Holiday Cash Club or Salary Advance Cash Account) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We have a right of setoff or may enforce our lien 4 We comply with a court order or other legal process 4 We have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We in good faith believe we have a claim against you or the funds in your account 4Something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified of, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue to rely on the account signature forms and other account documents in our possession 4 Pay the funds to an appropriate court of law or equity for resolution 4 Honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU harmless from and against all claims, actions, costs and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where we do business. LGFCU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account or any joint owner. Legal process against your account is subject to LGFCU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges and Transfers LGFCU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Holiday Cash Club or Salary Advance Cash Account) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We • we have a right of setoff 4 We or may enforce our lien • we comply with a court order or other legal process 4 We • we have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We • we in good faith believe we have a claim against you or the funds in your account 4Something • something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified of, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue • continue to rely on the account signature forms and other account documents in our possession 4 Pay • pay the funds to an appropriate court of law or equity for resolution 4 Honor • honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close • close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU GKCU harmless from and against all claims, actions, costs and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where we do business. LGFCU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account or any joint owner. Legal process against your account is subject to LGFCU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges and Transfers LGFCU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Holiday Cash Club or Salary Advance Cash Account) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We • we have a right of setoff 4 We or may enforce our lien • we comply with a court order or other legal process 4 We • we have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We • we in good faith believe we have a claim against you or the funds in your account 4Something • something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified of, or we reasonably believebelieve there exists, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue • continue to rely on the account signature forms and other account documents in our possession 4 Pay • pay the funds to an appropriate court of law or equity for resolution 4 Honor • honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close • close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU GKCU harmless from and against all claims, actions, costs and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where we do business. LGFCU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account or any joint owner. Legal process against your account is subject to LGFCU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges and Transfers LGFCU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Holiday Cash Club or Salary Advance Cash Account) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We • we have a right of setoff 4 We or may enforce our lien • we comply with a court order or other legal process 4 We • we have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We • we in good faith believe we have a claim against you or the funds in your account 4Something • something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notified, or we reasonably believebelieve there exists, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue • continue to rely on the account signature forms and other account documents in our possession 4 Pay • pay the funds to an appropriate court of law or equity for resolution 4 Honor • honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close • close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU NCPAFCU harmless from and against all claims, actions, costs costs, and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust trust, or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be validLimitation of Liability/Indemnification NCPAFCU serves only as a depository for the funds in your account, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where do not owe you a fiduciary duty with respect to your account unless we do businessexplicitly agree otherwise in writing. LGFCU is not liable Our responsibility to you for releasing information or remitting funds in compliance with legal process, including but not and to your account is limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your accountthe exercise of ordinary care as established by the reasonable commercial standards for financial institutions. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required claim, loss, cost, or damage caused by events or circumstances beyond our reasonable control, even if they were foreseeable, including extreme weather, natural disasters, fire, floods, pandemics, measures of any government authority, civil disorder, labor strikes, and terrorism or threats of terrorism, as well as loss of electrical power, the breakdown or failure of any private or common carrier communication or transmission facilities, or suspensions of payments by another financial institution. In particular, NCPAFCU is not liable to hold you if such an event or pay because of legal process against circumstances prevent us from, or delay us in, performing our obligations for a service, including acting on a payment order, crediting a fund transfer to your account, even if holding processing a transaction or paying funds from your account leaves insufficient funds to pay checks or other items from crediting your account. All funds held in a joint account can Our liability to you for any act or failure to act shall not exceed any direct resulting loss, if any, which you incur, and payment of any dividends. In any case, we will not be used to satisfy liable for any legal process against youspecial, your account incidental, exemplary, punitive or consequential losses or damages of any joint owner. Legal process against your account is subject to LGFCU’s lien and right kind, regardless of setoff in accordance with applicable whether you informed us of the possibility of such damages, unless required by law. AssignmentsYou agree to reimburse NCPAFCU for all claims, Pledges costs, losses, and Transfers LGFCU will not recognize any assignmentdamages we may incur, pledgeincluding reasonable attorneys’ fees, transfer or grant of in connection with your account, except to the extent caused by our failure to exercise ordinary care. Your liability will be joint and several. We may charge any of your accounts with us for any such losses, liabilities or any interest expenses without prior notice to you. With respect to your act, omission, negligence or fault, and specifically in it connection with overdrafts or returned deposits to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notificationyou agree to reimburse NCPAFCU for all claims, if you breach costs, losses and damages, including fees paid for collection. Nothing in this agreement shall be construed to limit any terms of this agreement, your account (other than a CPG, Holiday Cash Club rights or Salary Advance Cash Account) has a zero balancedefenses available to us, or weany warranty, at our sole discretionindemnity or liability imposed on you, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for under applicable state or federal laws or regulations or any other reason not prohibited by separate agreements applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreementaccounts.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We • we have a right of setoff 4 We or may enforce our lien • we comply with a court order or other legal process 4 We • we have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We • we in good faith believe we have a claim against you or the funds in your account 4Something • something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified of, or we reasonably believebelieve there exists, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue • continue to rely on the account signature forms and other account documents in our possession 4 Pay • pay the funds to an appropriate court of law or equity for resolution 4 Honor • honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close • close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU SECU harmless from and against all claims, actions, costs costs, and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust trust, or any other instrument. Limitation of Liability/Indemnification SECU serves only as a depository for the funds in your account, and we do not owe you a fiduciary duty with respect to your account unless we explicitly agree otherwise in writing. Our responsibility to you and to your account is limited to the exercise of ordinary care as established by the reasonable commercial standards for financial institutions. We will not be liable to you for any claim, loss, cost, or damage caused by events or circumstances beyond our reasonable control, even if they were foreseeable, including extreme weather, natural disasters, fire, floods, pandemics, measures of any governmental authority, civil disorder, labor strikes, and terrorism or threats of terrorism, as well as loss of electrical power, the breakdown or failure of any private or common carrier communication or transmission facilities, or suspensions of payments by another financial institution. In particular, SECU is not liable to you if such an event or circumstances prevent us from, or delay us in, performing our obligations for a service, including acting on a payment order, crediting a fund transfer to your account, processing a transaction or crediting your account. Our liability to you for any act or failure to act shall not exceed any direct resulting loss, if any, which you incur, and payment of any interest or dividends. In any case, we will not be liable for any special, incidental, exemplary, punitive or consequential losses or damages of any kind, regardless of whether you informed us of the possibility of such damages, unless required by law. You agree to reimburse SECU for all claims, costs, losses, and damages we may incur, including reasonable attorneys’ fees, in connection with your account, except to the extent caused by our failure to exercise ordinary care. Your liability will be joint and several. We may charge any of your accounts with us for any such losses, liabilities or expenses without prior notice to you. With respect to your act, omission, negligence or fault, and specifically in connection with overdrafts or returned deposits to your account, you agree to reimburse SECU for all claims, costs, losses and damages, including fees paid for collection. Nothing in this agreement shall be construed to limit any rights or defenses available to us, or any warranty, indemnity or liability imposed on you, under applicable state or federal laws or regulations or any separate agreements applicable to your accounts. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile facsimile, or any other means at any location where we do business. LGFCU SECU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions injunctions, or warrants. In addition, you agree that LGFCU SECU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU SECU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account account, or any joint owner. Legal process against your account is subject to LGFCUSECU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges Pledges, and Transfers LGFCU SECU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it it, to anyone other than LGFCUSECU. Closing an Account LGFCU SECU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Summer Cash, Holiday Cash Club Club, or Salary Advance Cash Accountaccount) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU SECU to risk of financial loss. We may also refuse services if you cause LGFCU SECU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit deposit, or redirect the deposit into another account owned by you. A member may be expelled from LGFCU SECU only in the manner provided by law. Expulsion or withdrawal from LGFCU SECU shall not operate to relieve a member of any liability to LGFCUSECU. All amounts paid on shares, deposits deposits, or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCUSECU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/dividend/ interest payments) are made in a given month. Inactive accounts will may not produce produce, or be included on, a statement. Member Privacy At LGFCUArbitration YOU HAVE THE RIGHT TO OPT OUT OF (NOT BE BOUND BY) THIS ARBITRATION PROVISION AS DESCRIBED IN THE “OPT-OUT” SUBSECTION BELOW. If you do not opt out and a Claim, as defined in the “Disputes Subject to Arbitration” subsection below is arbitrated, neither you nor we keep information about our members secure and confidential. Information about your accounts will have the right to: (1) have a court or any transactions between you and LGFCU will not be disclosed a jury decide the Claim; (2) engage in information- gathering (discovery) to third parties except the same extent as in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.court;

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We • we have a right of setoff 4 We • we comply with a court order or other legal process 4 We • we have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We • we in good faith believe we have a claim against you or the funds in your account 4Something • something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue • continue to rely on the account signature forms and other account documents in our possession 4 Pay • pay the funds to an appropriate court of law or equity for resolution 4 Honor • honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close • close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU SECU harmless from and against all claims, actions, costs costs, and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust trust, or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile facsimile, or any other means at any location where we do business. LGFCU SECU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions injunctions, or warrants. In addition, you agree that LGFCU SECU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU SECU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account account, or any joint owner. Legal process against your account is subject to LGFCUSECU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges Pledges, and Transfers LGFCU SECU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCUSECU. Closing an Account LGFCU SECU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Summer Cash, Holiday Cash Club Club, or Salary Advance Cash Accountaccount) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU SECU to risk of financial loss. We may also refuse services if you cause LGFCU SECU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit deposit, or redirect the deposit into another account owned by you. A member may be expelled from LGFCU SECU only in the manner provided by law. Expulsion or withdrawal from LGFCU SECU shall not operate to relieve a member of any liability to LGFCUSECU. All amounts paid on shares, deposits deposits, or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCUSECU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will may not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We have a right of setoff 4 or may enforce our lien We comply with a court order or other legal process 4 We have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We in good faith believe we have a claim against you or the funds in your account 4Something Something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified of, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue to rely on the account signature forms and other account documents in our possession 4 Pay the funds to an appropriate court of law or equity for resolution 4 Honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU harmless from and against all claims, actions, costs and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where we do business. LGFCU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account or any joint owner. Legal process against your account is subject to LGFCU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges and Transfers LGFCU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notification, if you breach any terms of this agreement, your account (other than a CPG, Holiday Cash Club or Salary Advance Cash Account) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We • we have a right of setoff 4 We or may enforce our lien • we comply with a court order or other legal process 4 We • we have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We account‌ • we in good faith believe we have a claim against you or the funds in your account 4Something • something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified of, or we reasonably believebelieve there exists, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue • continue to rely on the account signature forms and other account documents in our possession 4 Pay • pay the funds to an appropriate court of law or equity for resolution 4 Honor • honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close • close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU SECU harmless from and against all claims, actions, costs costs, and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting designations of the funds in your account by will, revocable living trust trust, or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be validLimitation of Liability/Indemnification SECU serves only as a depository for the funds in your account, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where do not owe you a fiduciary duty with respect to your account unless we do businessexplicitly agree otherwise in writing. LGFCU is not liable Our responsibility to you for releasing information or remitting funds in compliance with legal process, including but not and to your account is limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your accountthe exercise of ordinary care as established by the reasonable commercial standards for financial institutions. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required claim, loss, cost, or damage caused by events or circumstances beyond our reasonable control, even if they were foreseeable, including extreme weather, natural disasters, fire, floods, pandemics, measures of any governmental authority, civil disorder, labor strikes, and terrorism or threats of terrorism, as well as loss of electrical power, the breakdown or failure of any private or common carrier communication or transmission facilities, or suspensions of payments by another financial institution. In particular, SECU is not liable to hold you if such an event or pay because of legal process against circumstances prevent us from, or delay us in, performing our obligations for a service, including acting on a payment order, crediting a fund transfer to your account, even if holding processing a transaction or paying funds from your account leaves insufficient funds to pay checks or other items from crediting your account. All funds held in a joint account can Our liability to you for any act or failure to act shall not exceed any direct resulting loss, if any, which you incur, and payment of any interest or dividends. In any case, we will not be used to satisfy liable for any legal process against youspecial, your account incidental, exemplary, punitive or consequential losses or damages of any joint owner. Legal process against your account is subject to LGFCU’s lien and right kind, regardless of setoff in accordance with applicable whether you informed us of the possibility of such damages, unless required by law. AssignmentsYou agree to reimburse SECU for all claims, Pledges costs, losses, and Transfers LGFCU will not recognize any assignmentdamages we may incur, pledgeincluding reasonable attorneys’ fees, transfer or grant of in connection with your account, except to the extent caused by our failure to exercise ordinary care. Your liability will be joint and several. We may charge any of your accounts with us for any such losses, liabilities or any interest expenses without prior notice to you. With respect to your act, omission, negligence or fault, and specifically in it connection with overdrafts or returned deposits to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notificationyou agree to reimburse SECU for all claims, if you breach costs, losses and damages, including fees paid for collection. Nothing in this agreement shall be construed to limit any terms of this agreement, your account (other than a CPG, Holiday Cash Club rights or Salary Advance Cash Account) has a zero balancedefenses available to us, or weany warranty, at our sole discretionindemnity or liability imposed on you, determine continued maintenance of the account exposes LGFCU to risk of financial loss. We may also refuse services if you cause LGFCU a financial loss. We, at our sole discretion, with reasonable notice, may close an account for under applicable state or federal laws or regulations or any other reason not prohibited by separate agreements applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreementaccounts.

Holding Funds in Your Account. We reserve the right to place a hold on funds in your account and/or to prevent any deposits from being made to your account, for a reasonable period of time, at our discretion, when: 4 We have a right of setoff 4 We comply with a court order or other legal process 4 We have been notified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account 4 We in good faith believe we have a claim against you or the funds in your account 4Something has occurred or is reasonably expected to occur that may result in our having a claim against you or the funds in your account Disputes Involving Your Account If we have been notifiednotified, or we reasonably believe, there exists a legitimate dispute among any parties who have or claim an interest in your account, we may, at our discretion: 4 Continue to rely on the account signature forms and other account documents in our possession 4 Pay the funds to an appropriate court of law or equity for resolution 4 Honor the competing claim upon receipt of evidence we deem satisfactory to justify such claim 4 Close the account and pay the proceeds to all who have or claim an interest in the account or the account owner(s) as indicated in our records You, your estate, and your successors-in-interest agree to indemnify and hold LGFCU harmless from and against all claims, actions, costs and liabilities arising out of or relating to actions taken in opening and maintaining your account, making distributions upon notice of the death of the last surviving account holder pursuant to the terms of this agreement and any conflicting conflicting designations of the funds in your account by will, revocable living trust or any other instrument. Legal Process Against Your Account We may comply with any legal process we believe to be valid, and we may, at our discretion, accept legal process by mail, electronic mail, facsimile or any other means at any location where we do business. LGFCU is not liable to you for releasing information or remitting funds in compliance with legal process, including but not limited to subpoenas, attachments, executions, garnishments, levies, restraining orders, injunctions or warrants. In addition, you agree that LGFCU is under no obligation to object to or otherwise contest on your behalf any legal process brought against your account. We are not required to send you notice of the legal process. LGFCU will not be liable to you for any sums we may be required to hold or pay because of legal process against your account, even if holding or paying funds from your account leaves insufficient insufficient funds to pay checks or other items from your account. All funds held in a joint account can be used to satisfy any legal process against you, your account or any joint owner. Legal process against your account is subject to LGFCU’s lien and right of setoff in accordance with applicable law. Assignments, Pledges and Transfers LGFCU will not recognize any assignment, pledge, transfer or grant of your account, or any interest in it to anyone other than LGFCU. Closing an Account LGFCU may close your account, without prior notificationnotification, if you breach any terms of this agreement, your account (other than a CPG, Holiday Cash Club or Salary Advance Cash Account) has a zero balance, or we, at our sole discretion, determine continued maintenance of the account exposes LGFCU to risk of financial financial loss. We may also refuse services if you cause LGFCU a financial financial loss. We, at our sole discretion, with reasonable notice, may close an account for any other reason not prohibited by applicable law. This agreement will continue to govern matters related to your account after it is closed. You will remain liable for checks and other transactions in process and for the payment of any accrued fees if we close your account. If we receive a deposit for credit to your account after it has been closed, we may, at our sole discretion, return the deposit, reopen your account and accept the deposit or redirect the deposit into another account owned by you. A member may be expelled from LGFCU only in the manner provided by law. Expulsion or withdrawal from LGFCU shall not operate to relieve a member of any liability to LGFCU. All amounts paid on shares, deposits or other accounts held by expelled or withdrawing members, prior to their expulsion or withdrawal, shall be paid in the order of their expulsion or withdrawal, but only as funds become available and only after deducting any amount due from such member to LGFCU. Inactive Accounts We may consider your account inactive if no transactions (including fees and dividend/interest payments) are made in a given month. Inactive accounts will not produce a statement. Member Privacy At LGFCU, we keep information about our members secure and confidentialconfidential. Information about your accounts or any transactions between you and LGFCU will not be disclosed to third parties except in strict accordance with the law, and LGFCU will continue to protect your information even if you terminate your membership with us. LGFCU will never sell your information to anyone for any reason. Please see LGFCU’s Privacy Notice included towards the end of this agreement.