Common use of Inactive Accounts Clause in Contracts

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mail, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period you do not:

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in our rate sheet(s) the Truth-in-Savings Disclosure or Schedule of Fees and fee schedule(s) during which we have been unable to contact you by regular mailCharges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a monthly service fee after twelve consecutive months of inactivity, as set forth on our rate sheet(s) in the Truth-in-Savings Disclosure or Schedule of Fees and fee schedule(s) Charges, for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all the account funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds funds, and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: IfSpecial Account Instructions You may request that we facilitate certain trust, for will, or court-ordered account arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will, or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a period of three (3) yearsbond or provide us with other protection. Account changes requested by you, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; any account owner, such as adding or (3) otherwise indicated closing an interest in the account as or service, must be evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required signed Account Change Card and accepted by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period you do not:us.

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mail, we may classify your account as inactive or dormant. Unless prohibited prohibi xxx by applicable law, we may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has h as not been made on the account and we have had no other sufficient contact with you within the period peri od specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds fun ds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch Ch. 169 if, over a n five (5) year period you do not:: (1) increase, decrease or adjust the amount of funds in your account;

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account balance falls below any applicable minimum balance to $120.00 or less and you have not made any transactions over a period specified in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mail12-month period, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a monthly service fee after twelve consecutive months of inactivity, as set forth on our rate sheet(s) in the Truth-in-Savings Disclosure or Schedule of Fees and fee schedule(s) Charges, for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all the account funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds funds, and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: IfSpecial Account Instructions You may request that we facilitate certain trust, for will, or court-ordered account arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will, or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a period of three (3) yearsbond or provide us with other protection. Account changes requested by you, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; any account owner, such as adding or (3) otherwise indicated closing an interest in the account as or service, must be evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required signed Account Change Card and accepted by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period you do not:us.

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If We may classify your account falls below any applicable minimum balance and Account as inactive or dormant, if you have not made any transactions over a period specified in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mail, we may classify your account as inactive or dormantthe following table. Unless prohibited by applicable law, we We may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) in the Fee Schedule for processing your inactive accountAccount. If we impose a fee, we it will notify yoube identified on your periodic statement. If the fee(s) have caused the share Account(s) to fall below the required par value amount, as required by law, at your last known addressAllSouth may terminate the membership and corresponding Accounts if the member has not increased the balance to par value within the time period specified in AllSouth’s Bylaws. You authorize us to transfer funds from another account Account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all the Account funds in an inactive or dormant account to an account Account payable and to suspend any further account Account statements. We also reserve the right to stop paying interest on the Account, if the Account paid interest.‌‌ If a deposit or withdrawal has not been made on the account Account and we have had no other sufficient contact with you within the period specified by state law, the account Account will be presumed to be abandoned. Funds in abandoned accounts Accounts will be reported and remitted in accordance with state law. Unless otherwise prohibited by law, we may charge to the Account our costs associated with the applicable state agency. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in CaliforniaOur policy and procedure is to classify inactive and dormant Accounts as follows: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have Inactive Dormant Checking 90 days - no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period you do not:transactions 6 months - no transactions Savings 6 months - no transactions 1 year- no transactions

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mail, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "“unclaimed funds" ” under ORC Ch 169 if, over a five (5) year period you do not:: (1) increase, decrease or adjust the amount of funds in your account; (2)assign or encumber your account; (3) receive payment of your account; (4) correspond with us about your account; (5) otherwise indicate an interest in your account; or (6) transact business with the Credit Union. For accounts held at state chartered credit unions located in Tennessee: If you do not make a deposit or withdrawal for at least one (1) year and your account balance is less than $25.00, we may transfer the account balance to the Credit Union’s regular reserve account. We will notify you at least thirty (30) days before taking such action.

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any applicable minimum balance and you have not made any transactions over a period specified withdrawal from, or a deposit to, your Account for six (6) months or longer, and it is not classified as dormant, your Account may be subject to closure by us and the funds placed in our rate sheet(s) and fee schedule(s) during which we have been unable another account that you are eligible to contact you by regular mailmaintain, or we may classify your account as inactive or dormanttake away the interest, transfer, and draft capabilities of the account. Unless prohibited by Subject to applicable law, we may charge an inactive account fee on the Account. ACCOUNT STATEMENTS. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. The periodic statement will be considered correct for all purposes and we will not be liable for any payment made and charged to your Account unless you notify us in writing within certain time limits after the statement and checks are made available to you . We will not be liable for any check that is altered or any signature that is forged unless you notify us within Thirty (30) calendar days after the statement and the altered or forged item(s) are made available. Also, we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. Except for transactions covered by the Electronic Fund Transfer Act, you must also report any other Account problem within Sixty (60) calendar days or lose your right to assert the problem against us. If the suspected account problem involves a service fee as set forth on our rate sheet(ssubstitute check that you receive, you may (under some circumstances) and fee schedule(sbe entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for processing further information. If you have requested us to hold your inactive accountAccount statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we impose a feetruncate your checks, we you understand that your original checks will notify you, as required by law, at not be returned to you with your last known addressstatement. You authorize agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period you do not:errors.

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account accounts falls below any applicable minimum balance and you have not made any transactions over a period specified in our rate sheet(s) the Truth-in-Savings Disclosure or Schedule of Fees and fee schedule(s) during which we have been unable to contact you by regular mailCharges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee fee, as set forth on our rate sheet(s) in the Truth-in-Savings Disclosure or Schedule of Fees and fee schedule(s) Charges, for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of to yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all the account funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified specific by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds funds, and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: IfSpecial Account Instructions – You may request that we facilitate certain trust, for will, or court-ordered account arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a period of three (3) yearsbond or provide us with other protections. We may require that account changes by you, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; any account owner, such as adding or (3) otherwise indicated closing an interest in the account as or service, be evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required signed Account Change Card and accepted by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period you do not:us.

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If The Credit Union will consider your account falls below any applicable minimum balance and you have not made any transactions inactive as defined by Colorado Statute with no deposits or withdrawals on your account. This excludes dividends credited to your account by the Credit Union. Colorado Law requires the Credit Union to turn these funds over to the State after a period of no activity as specified in our rate sheet(s) and fee schedule(s) during which we have been unable by statute. Before turning funds from inactive accounts over to contact you by regular mailthe State of Colorado, we may classify your account the Credit Union will send notices as inactive or dormant. Unless prohibited required by applicable law, we may charge a service fee as set forth on state law advising you of your rights. See our rate sheet(s) and fee schedule(s) Fee Schedule for processing your inactive accountdormant account fees. Statement(s). If we impose send you a fee, we periodic statement for your Checking Account the statement(s) will notify you, include all activity on your account as required by law, at your last known address. You authorize us to will receive a periodic statement for your Share Savings Account or other savings account(s), unless you have an electronic funds transfer funds from another account of yours to cover transaction during a monthly period (in which case you will receive a monthly statement), or you will receive a combined statement on a monthly basis if you have a Checking Account and other savings accounts. Each such statement shall show the transactions on your accounts and any service fees, if applicablecharges. To the extent allowed by law, we We reserve the right not to transfer all funds in an inactive send statements for accounts we consider inactive, or dormant account to an account payable for those accounts on which we do not have a valid address on file. You should examine the periodic statement carefully and to suspend any further account statementsreconcile the account. If a deposit or withdrawal has not been made there are any discrepancies, the Credit Union should be notified immediately. You agree that the time you have to examine your statement and report to us will depend on the account and we have had no circumstances, but will not, in any circumstance, exceed a total of 60-days from when the statement is first sent or made available to you. You further agree to report any unauthorized signatures, alterations, forgeries, or any other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds errors in your account within 60 calendar days of when we first send or make the statement available. As between you and us, if you fail to perform these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the stateloss). To The loss could be not only with respect to items on the extent allowed statement but other items with unauthorized signatures or alterations by law, we reserve the right to transfer the account funds to an account payable and to suspend any same wrongdoer. You further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and agree that if you choose fail to reclaim such fundsreport any unauthorized signatures, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds alterations or forgeries in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period be entirely yours. This 60 day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. If you do not:not receive a periodic statement when you would normally receive one, you agree to notify us within fourteen (14) calendar days of the time you normally would have received a statement. The Credit Union will not be liable if items were forged or altered such that a reasonable financial institution could not detect the fraud.

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mail, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has h as not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded corresponde d with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds in i n your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch Ch. 169 if, over a n five (5) year period you do not:: (1) increase, decrease or adjust the amount of funds in your account;

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any applicable minimum balance and you have not made any transactions over a period pe riod specified in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mail, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) for processing your inactive account. If we impose a fee, we will notify you, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if i f applicable. To the extent allowed by law, we reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has h as not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch Ch. 169 if, over a n five (5) year period you do not:: (1) increase, decrease or adjust the amount of funds in your account;

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any the minimum applicable minimum balance balance, and you have not made any transactions over a withdrawal from, deposit to, or transfer involving your account for more than the period specified in our rate sheet(s) the Rate and fee schedule(s) during which we have Fee Schedule and Proponent has been unable to contact you by regular mailmail during that period, we Proponent may classify your account as inactive or dormanta dormant account. Unless prohibited by applicable law, we Proponent may charge a service fee for continuing to process your dormant account as set forth on our rate sheet(s) the Rate and fee schedule(s) Fee Schedule. Charges are not reimbursed for processing your inactive account. If we impose a fee, we accounts that are later reclassified as “active.” Proponent will notify you, as required by law, at your last known addressaddress prior to imposing any fee. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve Proponent reserves the right to transfer all the account funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have Proponent has had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have Proponent has no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: IfSpecial Account Instruction. You may request Proponent to facilitate certain trust, for will, or court-ordered account arrangements. However, because Proponent does not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will, or court order. If you ask Proponent to follow any instructions that Proponent believes might expose it to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, Proponent may refuse to follow your instructions or may require you to indemnify Proponent or post a period of three (3) yearsbond or other protection. Account changes requested by you, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; any account owner, such as adding or (3) otherwise indicated closing an interest in the account as or service, must be evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required signed Account Change form and accepted by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period you do not:Proponent.

Inactive Accounts. For Unless otherwise provided in our fee schedule, service charges for “inactive accounts” are the same as service charges for active accounts held at credit unions located in states other than California and Ohio: . Charges are not reimbursed for inactive accounts that are later reclassified as “active” . If your account falls below any applicable minimum is inactive for more than one year, we may, at our option, provide quarterly (rather than monthly) statements for your account and/or close your account and forward the account balance and to you have not made any transactions over a period specified . After your account has been inactive for an extended length of time, which is determined in our rate sheet(s) and fee schedule(s) during which we have been unable to contact you by regular mailFirst Bank’s sole discretion, it will be considered dormant . For security reasons, we may classify refuse a withdrawal or transfer from dormant accounts if we cannot reach you in a timely fashion to confirm that the transaction is authorized . After your account has been dormant for a certain period of time, as inactive or dormant. Unless prohibited determined by applicable law, and we have been unsuccessful in contacting you, we will be required to turn over the balance in the account to the applicable state agency, and we will have no further obligation to you regarding the account . Items Sent For Collection. We and other institutions may refuse to accept an item for deposit or may accept it on a collection basis only . This often occurs with foreign or damaged items . If we accept an item for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution . If we elect to credit your account before then, we may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) the amount back against your account if we do not receive payment for processing your inactive accountany reason . If we We may impose a feefee in connection with sending and receiving items for collection (e .g ., we will notify by charging your account or deducting the fee from the amount remitted) . Other institutions that send or receive items for collection involving your account also may impose a fee for their services . DISPUTE RESOLUTION In this “Dispute Resolution” section, the words “First Bank”, “we”, “us” and “our” shall include First Bank and all of its employees, officers, directors, parents, controlling persons, subsidiaries, affiliates, predecessors, acquired entities, successors and assigns . The words “you,” and “your,” shall include all authorized or unauthorized account holders, cardholders, custodians, users or beneficiaries of accounts maintained under this Agreement or any prior agreements between you and us, as required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: If, for a period of three (3) years, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds in your account to the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period you do not:applicable .

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If The Credit Union will consider your account falls below any applicable minimum balance and you have not made any transactions inactive as defined by Iowa Statute with no deposits or withdrawals on your account. This excludes dividends credited to your account by the Credit Union. Iowa Law requires the Credit Union to turn these funds over to the State after a period of no activity as specified in our rate sheet(s) and fee schedule(s) during which we have been unable by statute. Before turning funds from inactive accounts over to contact the State of Iowa, the Credit Union will send notices as required by Iowa law advising you by regular mail, we may classify of your account as inactive or dormantrights. Unless prohibited by applicable law, we may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) for processing your inactive accountStatement(s). If we impose send you a feeperiodic statement for your Business Checking Account, we the statement(s) will notify you, include all activity on your account as required by law, at your last known address. You authorize us to will receive a periodic statement (normally quarterly) for your Business Savings Account or other savings accounts, unless you have an electronic funds transfer funds from another account of yours to cover transaction during a monthly period (in which case you will receive a monthly statement), or you will receive a combined statement on a monthly basis if you have a Share Draft Account or a Business Checking Account and other savings accounts. Each such statement shall show the transactions on your accounts and any service fees, if applicablecharges. To the extent allowed by law, we We reserve the right not to transfer all funds in an inactive send statements for accounts we consider inactive, or dormant account to an account payable for those accounts on which we do not have a valid address on file. You should examine the periodic statement carefully and to suspend any further account statementsreconcile the account. If a deposit or withdrawal has not been made there are any discrepancies, the Credit Union should be notified immediately. You agree that the time you have to examine your statement and report to us will depend on the account and we have had no other sufficient contact with you within circumstances, but will not, in any circumstance, exceed a total of 30 days from when the period specified by state law, the account will be presumed statement is first sent or made available to be abandonedyou. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no You further liability to you for such funds and agree that if you choose fail to reclaim such fundsreport any unauthorized signatures, you must apply to the appropriate state agency. For accounts held at credit unions located in California: Ifalterations, for a period of three (3) yearsforgeries, you have not: (1) increased or decreased the amount in your account; (2) corresponded with us in writing concerning your account; or (3) otherwise indicated an interest in the account as evidenced by a memorandum in our files, the funds will be turned over to the state. We will notify you as required by state law before paying the funds any other errors in your account to within 60 days of when we first send or make the state. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such fundsstatement available, you must apply cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the appropriate state agencyfirst paragraph of this section. For accounts held at credit unions located in Ohio: Funds in your account will become "unclaimed funds" under ORC Ch 169 if, over a five (5) year period If you do not:not receive a periodic statement when you would normally receive one, you agree to notify us within fourteen (14) calendar days of the time you normally would have received a statement. The Credit Union will not be liable if items were forged or altered such that a reasonable financial institution could not detect the fraud.

Inactive Accounts. For accounts held at credit unions located in states other than California and Ohio: If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in our rate sheet(s) and fee schedule(s) during which we w hich w e have been unable to contact you by regular mail, we w e may classify classif y your account as inactive or dormantdormant . Unless prohibited by applicable lawlaw , we w e may charge a service fee as set forth on our rate sheet(s) and fee schedule(s) for processing your inactive accountaccount . If we w e impose a fee, we will notify w e w ill notif y you, as required by lawlaw , at your last known know n address. You authorize us to transfer funds from another account of yours to cover any service fees, if applicable. To the extent allowed allow ed by lawlaw , we w e reserve the right to transfer all funds in an inactive or dormant account to an account payable and to suspend any further account statements. If a deposit or withdrawal w ithdraw al has not been made on the account and we w e have had no other sufficient suff icient contact with w ith you within w ithin the period specified by state lawlaw , the account will w ill be presumed to be abandoned. Funds in abandoned accounts will w ill be reported and remitted remitt ed in accordance with w ith state lawlaw . Once funds have been turned over to the state, we w e have no further liability liabilit y to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in California: IfIf , for a period of three (3) years, you have notnot : (1) increased or decreased the amount in your accountaccount ; (2) corresponded with w ith us in writing w riting concerning your accountaccount ; or (3) otherwise otherw ise indicated an interest in the account as evidenced by a memorandum in our files, the funds will w ill be turned over to the state. We will notify w ill notif y you as required by state law before paying the funds in your account to the state. To the extent allowed allow ed by lawlaw , we w e reserve the right to transfer the account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, we w e have no further liability liabilit y to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency. For accounts held at credit unions located in Ohio: Funds in your account will w ill become "" unclaimed funds" under ORC Ch 169 ifif , over a five (5) year period you do notnot :