Common use of Notice to Credit Union Clause in Contracts

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and 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 the account funds 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.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26Inactive and Abandoned Accounts. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, fee as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, 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 the account funds 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.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charge charged to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and 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 the account funds 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.

Notice to Credit Union. You agree that the Credit Union's ’s retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and and/or you have not made any transactions over a period specified in the Truth-in-in- Savings Disclosure or Fee Schedule of Fees and ChargesDisclosure, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Fees Schedule Disclosure or Schedule of Fees and 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 the account funds 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.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. Inactive and Abandoned Accounts. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your have an account falls below any applicable minimum balance and that you have not made any transactions over a period specified in withdrawal from, deposit to, renewal of, or transfer involving your account for more than 1 year (12 months) the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we Credit Union may classify your account as inactive or dormant. Unless prohibited and may charge an inactive account service fee as allowed by applicable law, we may charge a service fee, as law and set forth in on the Truth-in-Savings Disclosure or “Schedule of Fees and Charges, for processing your inactive account”. If we impose your account is classified as inactive and the Credit Union has been unable to contact you by regular mail during this period, the Credit Union may classify your account as dormant and may charge a fee, we will notify you, dormant account service fee 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 lawlaw and set forth on the “Schedule of Fees and Charges”. Thereafter, we reserve the right to transfer dividends or interest will not be paid on the account funds to an account payable and to suspend if the balance falls below any further account statementsminimum balance requirement. If a deposit or withdrawal has not been made on the account and we account, you have not otherwise indicated an interest in the account, or the Credit Union has had no other sufficient contact with you within five (5) years as required by the period specified by state lawUniform Unclaimed Property Act, 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 the Credit Union has no further liability to you for such funds, and if . If you choose to reclaim such funds, you must apply to the appropriate state agency.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26Inactive and Abandoned Accounts. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, fee up to the amount as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, 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 the account funds 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.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 2627. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and ChargesFee Schedule, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and ChargesFee Schedule, 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 the account funds 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. Zero balance checking accounts and secondary savings accounts will be considered inactive and closed after six (6) months of inactivity.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. Inactive and Abandoned Accounts. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your have an account falls below any applicable minimum balance and that you have not made any transactions over a period specified in withdrawal from, deposit to, renewal of, or transfer involving your account for more than 1 year (12 months) the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we Credit Union may classify your account as inactive or dormant. Unless prohibited and may charge an inactive account service fee as allowed by applicable law, we may charge a service fee, as law and set forth in on the Truth-in-Savings Disclosure or “Rate Addendum and Schedule of Fees and Charges, for processing your inactive account”. If we impose your account is classified as inactive and the Credit Union has been unable to contact you by regular mail during this period, the Credit Union may classify your account as dormant and may charge a fee, we will notify you, dormant account service fee 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 lawlaw and set forth on the “Rate Addendum and Schedule of Fees and Charges”. Thereafter, we reserve the right to transfer dividends or interest will not be paid on the account funds to an account payable and to suspend if the balance falls below any further account statementsminimum balance requirement. If a deposit or withdrawal has not been made on the account and we account, you have not otherwise indicated an interest in the account, or the Credit Union has had no other sufficient contact with you within five (5) years as required by the period specified by state lawUniform Unclaimed Property Act, 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 the Credit Union has no further liability to you for such funds, and if . If you choose to reclaim such funds, you must apply to the appropriate state agency.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. Inactive and Abandoned Accounts. If you fail to receive a periodic statementhave an account that has been deemed abandoned under Massachusetts law, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and that you have not made any transactions over a withdrawal from, deposit to, renewal of, or transfer involving your account for a period specified in of three years, the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we Credit Union may classify your account as inactive or dormant. Unless prohibited and may charge an inactive account service fee as allowed by applicable law, we may charge a service fee, as law and set forth in on the Truth-in-Savings Disclosure or “Schedule of Fees and Charges, for processing your inactive account”. If we impose your account is classified as inactive and the Credit Union has been unable to contact you by regular mail during this period, and there has been no activity in 12 months, the Credit Union may classify your account as inactive and may charge a fee, we will notify you, inactive account service fee 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 lawlaw and set forth on the “Schedule of Fees and Charges”. Thereafter, we reserve the right to transfer dividends or interest will not be paid on the account funds to an account payable and to suspend if the balance falls below any further account statementsminimum balance requirement. If a deposit or withdrawal has not been made on the account and we account, you have not otherwise indicated an interest in the account, or the Credit Union has had no other sufficient contact with you within three (3) years as required by the period specified by state lawCommonwealth of Massachusetts, 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 stateCommonwealth, we have the Credit Union has no further liability to you for such funds, and if . If you choose to reclaim such funds, you must apply to the appropriate state agencyCommonwealth of Massachusetts.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge charged to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26Inactive and Abandoned Accounts. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees Rate and ChargesFee Schedule, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, fee as set forth in the Truth-in-Savings Disclosure or Rate and Fee Schedule of Fees and 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 the account funds 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.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 2625. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and 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 the account funds 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.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. Inactive and Abandoned Accounts. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your have an account falls below any applicable minimum balance and that you have not made any transactions over a period specified in withdrawal from, deposit to, renewal of, or transfer involving your account for more than 1 year (12 months) the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we Credit Union may classify your account as inactive or dormant. Unless prohibited and may charge an inactive account service fee as allowed by applicable law, we may charge a service fee, as law and set forth in on the Truth-in-Savings Disclosure or “Schedule of Fees and Charges, for processing your inactive account”. If we impose your account is classified as inactive and the Credit Union has been unable to contact you by regular mail during this period, the Credit Union may classify your account as dormant and may charge a fee, we will notify you, dormant account service fee 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 lawlaw and set forth on the “Schedule of Fees and Charges”. Thereafter, we reserve the right to transfer dividends or interest will not be paid on the account funds to an account payable and to suspend if the balance falls below any further account statementsminimum balance requirement. If a deposit or withdrawal has not been made on the account and we account, you have not otherwise indicated an interest in the account, or the Credit Union has had no other sufficient contact with you within three (3) years as required by the period specified by state lawUniform Unclaimed Property Act, 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 the Credit Union has no further liability to you for such funds, and if . If you choose to reclaim such funds, you must apply to the appropriate state agency.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. Inactive and Abandoned Accounts. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your have an account falls below any applicable minimum balance and that you have not made any transactions over a period specified in withdrawal from, deposit to, renewal of, or transfer involving your account for more than 1 year (12 months) the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we Credit Union may classify your account as inactive or dormant. Unless prohibited and may charge an inactive account service fee as allowed by applicable law, we may charge a service fee, as law and set forth in on the Truth-in-Savings Disclosure or “Schedule of Fees and Charges, for processing your inactive account”. If we impose your account is classified as inactive and the Credit Union has been unable to contact you by regular mail during this period, the Credit Union may classify your account as dormant and may charge a fee, we will notify you, dormant account service fee 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 lawlaw and set forth on the “Schedule of Fees and Charges”. Thereafter, we reserve the right to transfer dividends or interest will not be paid on the account funds to an account payable and to suspend if the balance falls below any further account statementsminimum balance requirement. If a deposit or withdrawal has not been made on the account and we account, you have not otherwise indicated an interest in the account, or the Credit Union has had no other sufficient contact with you within the period three (3) years as specified by under 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 the Credit Union has no further liability to you for such funds, and if . If you choose to reclaim such funds, you must apply to the appropriate state agency.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. Inactive and Abandoned Accounts. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your have an account falls below any applicable minimum balance and that you have not made any transactions over a period specified in withdrawal from, deposit to, renewal of, or transfer involving your account for more than 2 years (24 months) the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we Credit Union may classify your account as inactive or dormant. Unless prohibited and may charge an inactive account service fee as allowed by applicable lawlaw and set forth on the “Member Fee Schedule”. If your account is classified as inactive and the Credit Union has been unable to contact you by regular mail during this period, we the Credit Union may classify your account as dormant and may charge a dormant account service fee, fee as allowed by law and set forth in on the Truth-in-Savings Disclosure “Member Fee Schedule”. Thereafter, dividends or Schedule of Fees and Charges, for processing your inactive account. If we impose a fee, we interest 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 not be paid on the account funds to an account payable and to suspend if the balance falls below any further account statementsminimum balance requirement. If a deposit or withdrawal has not been made on the account and we account, you have not otherwise indicated an interest in the account, or the Credit Union has had no other sufficient contact with you within five (5) years as required by the period specified by state lawUniform Unclaimed Property Act, 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 the Credit Union has no further liability to you for such funds, and if . If you choose to reclaim such funds, you must apply to the appropriate state agency.

Notice to Credit Union. You agree that the Riverside Federal Credit Union's ’s retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, purposes and we will not be liable for any payment made or charge charged to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, statement you agree to notify us within 14 fourteen (14) calendar days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings/Savings and Checking Disclosure or Schedule of Fees and Chargesduring which we have been able 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 fee set forth in the Truth-in-in- Savings/Savings and Checking Disclosure or and Fee Schedule of Fees and Charges, Disclosure 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 the account funds to an account payable and to suspend any further account statements. If a deposit You may request that we facilitate certain Will or withdrawal has court ordered arrangements. However, because we do 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 stategive legal advice, we have no further liability cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your Will or court order. If you for 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 bond or provide us with other protection. Account changes requested by you, or any account owner, such fundsas adding or closing an account or service, must be submitted in writing and if you choose to reclaim such funds, you must apply to the appropriate state agencyaccepted by us.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, purposes and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, statement you agree to notify us within 14 fourteen (14) days of the time you regularly receive a statement. 2628. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and ChargesDisclosure, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as fee set forth in on the Truth-in-Savings Disclosure or Fee Schedule of Fees and 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 the account funds 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. 29. SPECIAL ACCOUNT INSTRUCTIONS - You may request that we facilitate certain trust, 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 bond or provide us with other protection. Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed Account Change form and accepted by us. Account changes requested by you, or any account owner, such as closing or adding an account, adding or deleting owners, address changes and adding or deleting beneficiaries must be evidenced by a signed Account Change Card, by using any secure electronic means the credit union may provide or by giving a credit union employee verbal instructions. The credit union will determine which level of authentication is needed for the specific request.

Notice to Credit Union. You agree that the Credit Unioncredit union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, purposes and we will not be liable for any payment made or charge charged to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 fourteen (14) days of the time you regularly receive a statement. 2625. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Chargesduring 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, fee as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and 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 the account funds 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. 26. SPECIAL ACCOUNT INSTRUCTIONS - You may request that we facilitate certain trust, 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 bond or provide us with other protection. Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed Account Change Card and accepted by us.

Notice to Credit Union. You agree that the Credit Union's ’s retention of checks or drafts does not alter or waive your responsibility to examine your statements and draft copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge charged to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. If you fail to receive a periodic statementprovided electronically, you agree will be sent an e-mail notice that will direct you to notify the website where you may access, review, print and otherwise copy/download your periodic statements using procedures we authorize. E-mails from us within 14 days will be sent to the electronic mail address provided by the account owner. period of time as defined in the time you regularly receive Fee schedule, the account may be classified as inactive (checking or money market accounts) or dormant (savings accounts) and a statement. 26fee may be applied. INACTIVE ACCOUNTS - If your Thereafter, dividends or interest will not be paid on the account if the balance falls below any applicable minimum balance requirements. Accounts will continue to incur the monthly maintenance fee until closed by the member or funds are depleted and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in Credit Union closes the Truth-in-Savings Disclosure or Schedule of Fees and 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 an available share or access account of yours to cover any service feesthe monthly maintenance fee, if applicable. 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 statementsnecessary. If a deposit or withdrawal has not been made on the account and we have the Credit Union has had no other sufficient contact with you within for five (5) years as required by the period specified by state lawUniform Unclaimed Property Act, 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 the Credit Union has 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.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and and/or you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and 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 the account funds 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.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and 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 the account funds 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 SPECIAL ACCOUNT INSTRUCTIONS - You may request that we facilitate certain trust, 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 bond or provide us with other protection. We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card or other document which evidences a change to an account and accepted by us. TERMINATION OF ACCOUNT - We may terminate your account at any time without notice to you or may require you to close your account and apply for a new account if: (1) there is a change in abandoned accounts will be owners or authorized signers; (2) there has been a forgery or fraud reported and remitted in accordance with state law. Once funds have been turned over or committed involving your account; (3) there is a dispute as to the state, ownership of the account or of the funds in the account; (4) any checks or drafts are lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft protection plan; (6) there has been any misrepresentation or any other abuse of any of your accounts; or (7) 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.reasonably

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to th examine your statements or the time limit for notifying us of any errors. The statement will w ill be considered correct for all purposes, purposes and we will w e w ill not be liable for any payment made or charge change to your account unless you notify us in writing within w riting w ithin the above time limit for notifying us of any errors. If you fail to receive a periodic statement, statement you agree to notify us within 14 w ithin fourteen (14) days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions transaction over a period specified in the Truth-int he Truth- In-Savings Disclosure or Schedule of Fees and Chargesduring w hich w e have been unable to contact you by regular mail, we w e may classify your account as inactive or dormantinactive. Unless prohibited by applicable lawlaw , we w e may charge a service fee, as fee set forth in on the Truth-in-Savings Disclosure or Fee Schedule of Fees and Charges, for processing your inactive account. If we w e impose a fee, we will w e w ill notify 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 the account funds 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 not had no other sufficient 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 in accordance with w ith state lawlaw . Once funds have been turned over to the state, we w e 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.. We may terminate your account at any time w ithout notice to you or may require you to close your account if : (1) there is x x xxxxx in ow ners or authorized signers; (2) there has been a forgery or fraud reported or committed involving your account; (3) ther e is a dispute as to the ow nership of the account or of the funds in the account; (4) any checks are lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft protection plan; (6) there has been misrepresentation or any other abuse of any of your accounts; or

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, purposes and we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 fourteen (14) days of the time you regularly receive a statement. 2625. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Chargesduring 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, fee as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and 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 the account funds 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. 26. SPECIAL ACCOUNT INSTRUCTIONS - You may request that we facilitate certain trust, 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 bond or provide us with other protection. Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed account change form and accepted by us.

Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying us the Credit Union of any errors. The statement will be considered correct for all purposes, purposes and we the Credit Union will not be liable for any payment made or charge to your account unless you notify us the Credit Union in writing within the above time limit for notifying us of any errorsafter the statement and checks are made available to you. Inactive and Abandoned Accounts. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your have an account falls below any applicable minimum balance and that you have not made any transactions over a period specified in withdrawal from, deposit to, renewal of, or transfer involving your account for more than 18 (eighteen) months the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we Credit Union may classify your account as inactive or dormant. Unless prohibited and may charge an inactive account service fee as allowed by applicable law, we may charge a service fee, as law and set forth in on the Truth-in-Savings Disclosure or “Schedule of Fees and Charges, for processing your inactive account”. If we impose your account is classified as inactive and the Credit Union has been unable to contact you by regular mail during this period, the Credit Union may classify your account as dormant and may charge a fee, we will notify you, dormant account service fee 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 lawlaw and set forth on the “Schedule of Fees and Charges”. Thereafter, we reserve the right to transfer dividends or interest will not be paid on the account funds to an account payable and to suspend if the balance falls below any further account statementsminimum balance requirement. If a deposit or withdrawal has not been made on the account and we account, you have not otherwise indicated an interest in the account, or the Credit Union has had no other sufficient contact with you within three (3) years as required by the period specified by state lawUniform Unclaimed Property Act, 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 the Credit Union has no further liability to you for such funds, and if . If you choose to reclaim such funds, you must apply to the appropriate state agency.

Notice to Credit Union. You agree that the Credit Union's ’s retention of checks or drafts does not alter or waive your responsibility to examine your statements or for the time limit for notifying us of any errors. The statement will be considered correct for all purposes, purposes and we will not be liable for any payment made or charge charged to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 fourteen (14) days of the time you regularly receive a statement. 26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Chargesduring 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, fee as set forth in the Truth-in-Savings Disclosure or Fee Schedule of Fees and 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 the account funds 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. You may request that we facilitate certain trust, will or court-ordered arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets 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 bond or provide us with other protection. Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed account change form and accepted by us. We may terminate your account at any time without notice to you or may require you to close your account and apply for a new account if: (1) there is a change in owners or authorized signers; (2) there has been a forgery or fraud reported or committed involving your account; (3) there is a dispute as to the ownership of the account or of the funds in the account; (4) any share checks or drafts are lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft protection plan; (6) there has been any misrepresentation or any other abuse of any of your accounts; or (7) we reasonably deem it necessary to prevent a loss to us. You may terminate an individual account by giving written notice. We reserve the right to require the consent of all owners to terminate a joint account. We are not responsible for payment of any check, draft, withdrawal or other item after your account is terminated; however, if we pay an item after termination, you agree to reimburse us.