Common use of Notice to Credit Union Clause in Contracts

Notice to Credit Union. You agree that the Credit Union's retention of checks does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying the Credit Union of any errors. The statement will be considered correct for all purposes and the Credit Union will not be liable for any payment made or charge to your account unless you notify the Credit Union in writing within the time limit specified in the Examination section (see above) after the statement and checks are made available to you. If you fail to receive a periodic statement, you agree to notify us with 14 days of the time you regularly receive a statement. You agree to notify us promptly of any change in your contact information. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service or its agents. If you receive a paper statement, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You also agree to notify us immediately if you believe you are not receiving your correspondence from LCCU. If a statement is returned undeliverable, or we otherwise receive notice that it is undeliverable, we will stop mailing statements until we receive verification of your mailing address. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraph,, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. If you report an erroneous item on your account, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account.

Notice to Credit Union. You agree that the Riverside Federal Credit Union's ’s retention of checks does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying the Credit Union us of any errors. The statement will be considered correct for all purposes and the Credit Union we will not be liable for any payment made or charge charged to your account unless you notify the Credit Union us in writing within the above time limit specified in the Examination section (see above) after the statement and checks are made available to youfor notifying us of any errors. If you fail to receive a periodic statement, statement you agree to notify us with 14 within fourteen (14) calendar days of the time you regularly receive a statement. 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 during 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 set forth in the Truth-in- Savings/Savings and Checking Disclosure and Fee Schedule 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 agree authorize us to notify us promptly transfer funds from another account of yours to cover any change in service fees, if applicable. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and suspend any further account statements. SPECIAL ACCOUNT INSTRUCTIONS You may request that we facilitate certain 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 the specific requirements of your contact information. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service Will or its agentscourt order. If you receive a paper statementask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities or damages, whether directly or indirectly, we mail a copy of the paper statement may refuse to one address per statement. We have no obligation to mail the statements to any other account owner follow your instructions or other address on file. You also agree to notify us immediately if you believe you are not receiving your correspondence from LCCU. If a statement is returned undeliverable, or we otherwise receive notice that it is undeliverable, we will stop mailing statements until we receive verification of your mailing address. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraph,, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. If you report an erroneous item on your account, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We 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 affidavit about the circumstances of your report account or service, must be submitted in writing and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your accountaccepted by us.

Notice to Credit Union. You agree that the Credit Union's retention of checks drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying the Credit Union us of any errors. The statement will be considered correct for all purposes and the Credit Union we will not be liable for any payment made or charge to your account unless you notify the Credit Union us in writing within the above time limit specified in the Examination section (see above) after the statement and checks are made available to youfor notifying us of any errors. If you fail to receive a periodic statement, statement you agree to notify us with 14 within fourteen (14) days of the time you regularly receive a statement. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Rate and Fee Schedule we may classify your account as inactive or dormant. Unless prohibited by applicable law, we may charge a service fee set forth on the Rate and Fee Schedule for processing your inactive or dormant account. If we impose a fee, we will notify you on your quarterly statement, as required by law, at your last known address. You agree authorize us to notify us promptly transfer funds from another account of yours to cover any change 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. 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 contact information. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service trust, will, or its agentscourt order. If you receive a paper statementask us to follow any instructions t hat we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we mail may refuse to follow your instructions or may require you to indemnify us or post a copy 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 signing the Master Membership Application 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 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 paper statement account or of the funds in the account; (4) any share 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 one address per statementprevent a loss to us. You may terminate a single party account by giving written notice. We have no obligation reserve the right to mail require the statements consent of all owners to terminate a multiple party account. We are not responsible for payment of any other account owner draft, withdrawal, or other address on file. You also agree to notify us immediately if you believe you are not receiving item after your correspondence from LCCU. If a statement account is returned undeliverable, or we otherwise receive notice that it is undeliverable, we will stop mailing statements until we receive verification of your mailing address. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Thereforeterminated; however, if we stop mailing your statements as described in this paragraph,, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. If you report pay an erroneous item on your accountafter termination, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your accountreimburse us.

Notice to Credit Union. You agree that the Credit Union's ’s retention of checks drafts does not alter or waive your responsibility to examine your statements and check copies or for the time limit for notifying the Credit Union us of any errors. The statement will be considered correct for all purposes and the Credit Union we will not be liable for any payment made or charge charged to your account unless you notify the Credit Union us in writing within the above time limit specified in the Examination section (see above) after the statement and checks are made available to youfor notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us with 14 within fourteen (14) days of the time you regularly receive a statement. over a period specified in the Truth-in-Savings Disclosure 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 in the Truth-in-Savings Disclosure or Fee 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 agree authorize us to notify us promptly transfer funds from another account of yours to cover any change 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 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. Special Account Instructions 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 contact information. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service trust, will or its agentscourt order. If you receive a paper statementask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we mail may refuse to follow your instructions or may require you to indemnify us or post a copy 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. 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 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 paper statement 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 one address per statementprevent a loss to us. You may terminate an individual account by giving written notice. We have no obligation reserve the right to mail require the statements consent of all owners to terminate a joint account. We are not responsible for payment of any other account owner check, draft, withdrawal or other address on file. You also agree to notify us immediately if you believe you are not receiving item after your correspondence from LCCU. If a statement account is returned undeliverable, or we otherwise receive notice that it is undeliverable, we will stop mailing statements until we receive verification of your mailing address. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Thereforeterminated; however, if we stop mailing your statements as described in this paragraph,, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. If you report pay an erroneous item on your accountafter termination, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your accountreimburse us.

Notice to Credit Union. You agree that the Credit Union's ’s retention of checks drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying the Credit Union us of any errors. The statement will be considered correct for all purposes and the Credit Union we will not be liable for any payment made or charge to your account unless you notify the Credit Union us in writing within the time limit specified stated in the Examination section (see b) above) after the statement and checks are made available to you. If you fail to receive a periodic statement, in paper and/or electronic form as you designate, you agree to notify us with 14 within fourteen (14) days of the time date you regularly receive a statement. You agree to notify us promptly of any change in your contact information. We may also rely on our receipt of a notification of an address change statement from the U.S. Postal Service or its agentsCredit Union. If you receive a paper statement, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You also agree to notify us immediately if you believe you are not receiving your correspondence from LCCU. If a statement is returned undeliverable, or we otherwise receive notice that it is undeliverableto us without a forwarding address, we will may stop mailing sending you statements until we receive verification a new address from you as required by this Agreement. SUBSTITUTE CHECKS AND YOUR RIGHTS – IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT What Is a Substitute Check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your mailing addresscheck. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What Are My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund, under this procedure, is limited to the amount of your loss or the amount of the substitute check whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may destroy undelivered statementsreverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How Do I Make a Claim for a Refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, along with any accompanying itemsplease contact us at 000-000-0000 or 1-866-4SECPLUS. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include— A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); An estimate of the amount of your loss; An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and A copy of the substitute check and/or the following information to help us identify the substitute check (for example the check number, the name of the person to whom you wrote the check, the amount of the check). FUNDS AVAILABILITY Our policy is to make funds from your deposits available to you within the time specified by the Federal government in the Expedited Funds Availability Act. During these time periods, you may not withdraw the funds and we will not use the funds to pay checks that may have been written or electronic withdrawals. You are still responsible for checks returned unpaid even after we have made funds available and the funds have been withdrawn. Deposits at the ATMs or through the mail may be delayed. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and Federal holidays. If you make a deposit in person on a business day that we are open, we will consider that day to be the day of your deposit. However, copies of any undelivered statements and paid items if you make a deposit after business hours or on a day we are not open, we will still be consider that the deposit was made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if on the next business day we stop mailing your statements as described in this paragraph,, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to usare open. If you report an erroneous item make a deposit on your account, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these thingsa Friday or a Saturday, we may charge will consider the full amount first business day after the day of deposit to be the item(s) to your accountfollowing Monday, unless Monday is a holiday.

Notice to Credit Union. You agree that the Credit Union's ’s retention of checks drafts does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying the Credit Union us of any errors. The statement will be considered correct for all purposes and the Credit Union we will not be liable for any payment made or charge to your account unless you notify the Credit Union us in writing within the time limit specified stated in the Examination section (see b) above) after the statement and checks are made available to you. If you fail to receive a periodic statement, in paper and/or electronic form as you designate, you agree to notify us with 14 within fourteen (14) days of the time date you regularly receive a statement. You agree to notify us promptly of any change in your contact information. We may also rely on our receipt of a notification of an address change statement from the U.S. Postal Service or its agentsCredit Union. If you receive a paper statement, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You also agree to notify us immediately if you believe you are not receiving your correspondence from LCCU. If a statement is returned undeliverable, or we otherwise receive notice that it is undeliverableto us without a forwarding address, we will may stop mailing sending you statements until we receive verification a new address from you as required by this Agreement. SUBSTITUTE CHECKS AND YOUR RIGHTS – IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT What Is a Substitute Check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your mailing addresscheck. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What Are My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund, under this procedure, is limited to the amount of your loss or the amount of the substitute check whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may destroy undelivered statementsreverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How Do I Make a Claim for a Refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, along with any accompanying itemsplease contact us at 000-000-0000 or 1-866-4SECPLUS. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include— ◆ A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); ◆ An estimate of the amount of your loss; ◆ An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and ◆ A copy of the substitute check and/or the following information to help us identify the substitute check (for example the check number, the name of the person to whom you wrote the check, the amount of the check). FUNDS AVAILABILITY Our policy is to make funds from your deposits available to you within the time specified by the Federal government in the Expedited Funds Availability Act. During these time periods, you may not withdraw the funds and we will not use the funds to pay checks that may have been written or electronic withdrawals. You are still responsible for checks returned unpaid even after we have made funds available and the funds have been withdrawn. Deposits at the ATMs or through the mail may be delayed. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and Federal holidays. If you make a deposit in person on a business day that we are open, we will consider that day to be the day of your deposit. However, copies of any undelivered statements and paid items if you make a deposit after business hours or on a day we are not open, we will still be consider that the deposit was made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if on the next business day we stop mailing your statements as described in this paragraph,, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to usare open. If you report an erroneous item make a deposit on your account, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these thingsa Friday or a Saturday, we may charge will consider the full amount first business day after the day of deposit to be the item(s) to your accountfollowing Monday, unless Monday is a holiday.

Notice to Credit Union. You agree that the Credit Union's retention of checks does not alter or waive your responsibility to examine your statements and check copies or the time limit for notifying the Credit Union of any errors. The statement will be considered correct for all purposes and the Credit Union will not be liable for any payment made or charge to your account unless you notify the Credit Union in writing within the time limit specified in the Examination section (see above) after the statement and checks are made available to you. If you fail to receive a periodic statement, you agree to notify us with 14 days of the time you regularly receive a statement. You agree to notify us promptly of any change in your contact information. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service or its agents. If you receive a paper printed statement, we mail a copy of the paper printed statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on fileaccount. You also agree to notify us immediately if you believe you are not receiving your correspondence from LCCU. If a statement is returned undeliverable, or we otherwise receive notice that it is undeliverableundeliverable from the U.S. Postal Service, we will stop mailing statements until we receive verification of your mailing address. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered If statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraph,are returned undeliverable, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. If you report an erroneous item on your account, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account.

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 the Credit Union us of any errors. The statement will be considered correct for all purposes purposes, and the Credit Union we will not be liable for any payment made or charge to your account unless you notify the Credit Union us in writing within the above time limit specified in the Examination section (see above) after the statement and checks are made available to youfor notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us with within 14 days of the time you regularly receive a statement. 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 agree authorize us to notify 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. 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 promptly of to follow any change in instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your contact informationinstructions or may require you to indemnify us or post a bond or provide us with other protection. We may also rely on our receipt of require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a notification of signed Account Change Card or other document which evidences a change to an address 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 from 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 U.S. Postal Service or its agents. If you receive a paper statement, we mail a copy ownership of the paper statement 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 reasonably deem it necessary to one address per statementprevent a loss to us. You may terminate an individual account by giving written notice. We have no obligation reserve the right to mail require the statements consent of all owners to terminate a joint account. We are not responsible for payment of any other account owner check, draft, withdrawal, transaction, or other address on file. You also agree to notify us immediately if you believe you are not receiving item after your correspondence from LCCU. If a statement account is returned undeliverable, or we otherwise receive notice that it is undeliverable, we will stop mailing statements until we receive verification of your mailing address. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Thereforeterminated; however, if we stop mailing your statements as described in this paragraph,, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. If you report pay an erroneous item on your accountafter termination, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your accountreimburse us.

Notice to Credit Union. You agree that the Credit Union's retention of checks does not alter or waive your responsibility to th examine your statements and check copies or the time limit for notifying the Credit Union us of any errors. The statement will w ill be considered correct for all purposes and the Credit Union will w e w ill not be liable for any payment made or charge change to your account unless you notify us in w riting w ithin the Credit Union in writing within the above time limit specified in the Examination section (see above) after the statement and checks are made available to youfor notifying us of any errors. If you fail to receive a periodic statement, statement you agree to notify us with 14 w ithin fourteen (14) days of the time you regularly receive a statement. You agree Inactive Accounts If your account falls below any applicable minimum balance and you have not made any transaction over a period specified in t he Truth- In-Savings Disclosure during w hich w e have been unable to notify us promptly of any change in contact you by regular mail, w e may classify your contact informationaccount as inactive. We Unless prohibited by applicable law , w e may also rely charge a service fee set forth on our receipt of a notification of an address change from the U.S. Postal Service or its agentsFee Schedule for processing your inactive account. If you receive w e impose a paper statementfee, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on filew e w ill notify you, as required by law , at your last know n address. You also agree authorize us to notify us immediately transfer funds from another account of yours to cover any service fees, if you believe you are not receiving your correspondence from LCCUapplicable. To the extent allow ed by law , w e reserve the right to transfer the account funds to an account payable and to suspend any further account statements. If a statement is returned undeliverabledeposit or w ithdraw al has not been made on the account and w e have not had other sufficient contact w ith you w ithin the period specified by state law , or we otherwise receive notice that it is undeliverablethe account w ill be presumed abandoned. Funds in abandoned accounts w ill be reported and remitted in accordance w ith state law . Once funds have been turned over to the state, we will stop mailing statements until we receive verification w e 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. Term ination of your mailing address. Account We may destroy undelivered statements, along with terminate your account at any accompanying items. However, copies of any undelivered statements and paid items will still be made available time w ithout notice to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraph,, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. If you report an erroneous item on your account, you agree to cooperate with LCCU in our investigation and prosecution of the claim and any attempt to recover the funds. We or may require you to provide us with 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 affidavit about the circumstances overdraft protection plan; (6) there has been misrepresentation or any other abuse of any of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account.accounts; or