Common use of Ownership, Control and Access to Accounts Clause in Contracts

Ownership, Control and Access to Accounts. A. For Eligible Account(s) owned by more than one person, each owner individually has the right to provide Credit Union with instructions, conduct any transaction, make any decision, obtain any information or make any request associated with their Eligible Accounts. We may act on the instructions of any owner, including a minor named as a joint owner, without having liability to any owner. Please refer to the specific Account Documentation for your Eligible Accounts and Electronic Banking Services for more details. B. You represent and warrant that any Authorized Representative will be acting as your agent and on your behalf, will be bound by this Agreement and any Account Documentation governing the Account, and is fully authorized by you to act based on the rights you delegate to them. An Authorized Representative appointment by one account owner for an Eligible Account constitutes an Authorized Representative appointment by all other account owners of that Account. C. You acknowledge and agree that all transactions an Authorized Representative or joint owner performs on an Eligible Account, including those you did not want or intend, are for all purposes transactions authorized by you. The account owner(s) of the Eligible Account are solely responsible for those transactions and we are not responsible for them except when required by law. To revoke an Authorized Representative’s authority to perform transactions on your Eligible Account(s) using your own Security Information, you must change your Password within our Online Banking website and notify us that an Authorized Representative is no longer authorized. If you and we permit an Authorized Representative to establish his or her own Security Information to access your Eligible Account(s) using our Electronic Banking Services, you must notify us immediately if such Authorized Representative is no longer authorized to act on your behalf. Only transactions that you did not want or intend and that the Authorized Representative performs after we have had a reasonable opportunity to act on your notification will be considered unauthorized transactions. D. If you authorize an Authorized Representative to initiate fund transfers or other transactions on an Account, then you are also agreeing that for purposes of such transactions initiated through Online Banking or Mobile Banking, the Authorized Representative is an "authorized signer" on the Account, subject to the terms of the Account Documentation for your applicable Account. In addition, if you make a person an offline authorized signer on an Account, and that authorized signer enrolls in Online Banking and/or Mobile Banking on your behalf, we may treat that authorized signer as an Authorized Representative for purposes of this Agreement. E. You agree that you will only appoint Authorized Representatives if we permit you to do so and if we provide a procedure for appointing Authorized Representatives as part of Online Banking and/or Mobile Banking. You agree that you will follow any Authorized Representative appointment procedure we provide. This provision takes precedence over any conflicting provision in any other Account Documentation you have with us. We may discontinue offering Authorized Representative options or permitting Authorized Representatives to access your Eligible Account(s) at any time without prior notice. F. If you are appointed as an Authorized Representative on an Eligible Account, you agree that you will access and use the account in accordance with the authority given to you by the appointing account owner. Each time you access, view, or transact on that Eligible Account through Online Banking or Mobile Banking, you represent and warrant to us that your action is authorized by the appointing account owner.

Ownership, Control and Access to Accounts. A. For Eligible Account(s) owned by more than one person, each owner individually has the right to provide Credit Union the Bank with instructions, conduct any transaction, make any decision, obtain any information or make any request associated with their Eligible Accounts. We may act on the instructions of any owner, including a minor named as a joint owner, owner without having liability to any owner. Please refer to the specific Account Documentation for your Eligible Accounts and Electronic Banking Services for more details. B. You represent and warrant that any Authorized Representative will be acting as your agent and on your behalf, will be bound by this Agreement and any Account Documentation governing the Account, and is fully authorized by you to act based on the rights you delegate to them. An Authorized Representative appointment by one account owner for an Eligible Account constitutes an Authorized Representative appointment by all other account owners of that Account. C. You acknowledge and agree that all transactions an Authorized Representative or joint owner performs on an Eligible Account, including those you did not want or intend, are for all purposes transactions authorized by you. The account owner(s) of the Eligible Account are solely responsible for those transactions and we are not responsible for them except when required by law. To revoke an Authorized Representative’s authority to perform transactions on your Eligible Account(s) using your own Security Information, you must change your Password within our Online Banking website and notify us that an Authorized Representative is no longer authorized. If you and we permit an Authorized Representative to establish his or her own Security Information to access your Eligible Account(s) using our Electronic Banking Services, you must notify us immediately if such Authorized Representative is no longer authorized to act on your behalf. Only transactions that you did not want or intend and that the Authorized Representative performs after we have had a reasonable opportunity to act on your notification will be considered unauthorized transactions. D. If you authorize an Authorized Representative to initiate fund transfers or other transactions on an Account, then you are also agreeing that for purposes of such transactions initiated through Online Banking or Mobile Banking, the Authorized Representative is an "authorized signer" on the Account, subject to the terms of the Account Documentation for your applicable Account. In addition, if you make a person an offline authorized signer on an Account, and that authorized signer enrolls in Online Banking and/or Mobile Banking on your behalf, we may treat that authorized signer as an Authorized Representative for purposes of this Agreement. E. You agree that you will only appoint Authorized Representatives if we permit you to do so and if we provide a procedure for appointing Authorized Representatives as part of Online Banking and/or Mobile Banking. You agree that you will follow any Authorized Representative appointment procedure we provide. This provision takes precedence over any conflicting provision in any other Account Documentation you have with us. We may discontinue offering Authorized Representative options or permitting Authorized Representatives to access your Eligible Account(s) at any time without prior notice. F. If you are appointed as an Authorized Representative on an Eligible Account, you agree that you will access and use the account in accordance with the authority given to you by the appointing account owner. Each time you access, view, or transact on that Eligible Account through Online Banking or Mobile Banking, you represent and warrant to us that your action is authorized by the appointing account owner. G. You agree that any requirement for two or more signatures on checks, if that requirement exists, does not apply to electronic transfers initiated through Online Banking or Mobile Banking, and you release us from any liability when making these types of transfers.

Ownership, Control and Access to Accounts. A. For Eligible Account(s) owned by more than one person, each owner individually has the right to provide the Credit Union with instructions, conduct any transaction, make any decision, obtain any information or make any request associated with their Eligible Accounts. We may act on the instructions of any owner, including a minor named as a joint owner, without having liability to any owner. Please refer to the specific Account Documentation for your Eligible Accounts and Electronic Banking Digital Services for more details. B. You represent and warrant that any Authorized Representative will be acting as your agent and on your behalf, will be bound by this Agreement and any Account Documentation governing the Account, and is fully authorized by you to act based on the rights you delegate to them. An Authorized Representative appointment by one account owner for an Eligible Account constitutes an Authorized Representative appointment by all other account owners of that Account. C. You acknowledge and agree that all transactions an Authorized Representative or joint owner performs on an Eligible Account, including those you did not want or intend, are for all purposes transactions authorized by you. The account owner(s) of the Eligible Account are solely responsible for those transactions transactions, and we are not responsible for them except when required by law. To revoke an Authorized Representative’s authority to perform transactions on your Eligible Account(s) using your own Security Information, you must change your Password within our Online Banking Financial Services website and notify us that an Authorized Representative is no longer authorized. If you and we permit an Authorized Representative to establish his or her own Security Information to access your Eligible Account(s) using our Electronic Banking Digital Services, you must notify us immediately if such Authorized Representative is no longer authorized to act on your behalf. Only transactions that you did not want or intend and that the Authorized Representative performs after we have had a reasonable opportunity to act on your notification will be considered unauthorized transactions. D. If you authorize an Authorized Representative to initiate fund transfers or other transactions on an Eligible Account, then you are also agreeing that for purposes of such transactions initiated through Online Banking or Mobile BankingDigital Services, the Authorized Representative is an "authorized signer" on the Account, subject to the terms of the Account Documentation for your applicable Eligible Account. In addition, if you make a person an offline authorized signer on an Eligible Account, and that authorized signer enrolls in Online Banking and/or Mobile Banking Digital Services on your behalf, we may treat that authorized signer as an Authorized Representative for purposes of this Agreement. E. You agree that you will only appoint Authorized Representatives if we permit you to do so and if we provide a procedure for appointing Authorized Representatives as part of Online Banking and/or Mobile BankingDigital Services. You agree that you will follow any Authorized Representative appointment procedure we provide. This provision takes precedence over any conflicting provision in any other Account Documentation you have with us. We may discontinue offering Authorized Representative options or permitting Authorized Representatives to access your Eligible Account(s) at any time without prior notice. F. If you are appointed as an Authorized Representative on an Eligible Account, you agree that you will access and use the account in accordance with the authority given to you by the appointing account owner. Each time you access, view, or transact on that Eligible Account through Online Banking or Mobile BankingDigital Services, you represent and warrant to us that your action is authorized by the appointing account owner.

Ownership, Control and Access to Accounts. A. Owners and Authorized Representatives. 1. For Eligible Account(s) owned by more than one person, each owner individually has the right to provide Credit Union Bank with instructions, conduct any transaction, make any decision, obtain any information or make any request associated with their Eligible Accounts. We may act on the instructions of any owner, including a minor named as a joint owner, owner without having liability to any owner. Please refer to the specific Account Documentation for your Eligible Accounts and Electronic Banking Services for more details. B. 2. You represent and warrant that any Authorized Representative will be acting as your agent and on your behalf, will be bound by this Agreement and any Account Documentation governing the Account, and is fully authorized by you to act based on the rights you delegate to them. An Authorized Representative appointment by one account owner for an Eligible Account constitutes an Authorized Representative appointment by all other account owners of that Account. C. You acknowledge and agree that all transactions 3. So long as an Authorized Representative or joint owner is appointed as such on an Account, all transactions that such Authorized Representative performs on an Eligible Account, including those you did not want or intend, are for all purposes transactions authorized by you. The account owner(s) of the Eligible Account are solely responsible for those transactions transactions, and we are not responsible for them except when required by lawthem. To revoke an Authorized Representative’s authority to perform transactions on your Eligible Account(s) using your own Security Information, If you must change your Password within our Online Banking website and notify us that an Authorized Representative is no longer authorized. If you and we permit an Authorized Representative to establish his or her own Security Information to access your Eligible Account(s) using our Electronic Banking Services, you must notify us immediately if such Authorized Representative is no longer authorized to act on your behalf. Only only transactions that you did not want or intend and that the Authorized Representative performs after we have had a reasonable opportunity to act on your notification will be considered unauthorized transactions. To notify us that you want to terminate an Authorized Representative appointment you must contact us at your local Bank Forward branch with your notification to remove the Authorized Representative. D. 4. If you authorize an Authorized Representative to initiate fund transfers or other transactions on an Account, then you are also agreeing that for purposes of such transactions initiated through Online Banking or Mobile Banking, the Authorized Representative is an "authorized signer" on the Account, subject to the terms of the Account Documentation for your applicable Account. In addition, if you make a person an offline authorized signer on an Account, and that authorized signer enrolls in Online Banking and/or Mobile Banking on your behalf, we may treat that authorized signer as an Authorized Representative for purposes of this Agreement. E. 5. You agree that you will only appoint Authorized Representatives if we permit you to do so and if we provide a procedure for appointing Authorized Representatives as part of Online Banking and/or Mobile Banking. You agree that you will follow any Authorized Representative appointment procedure we provide. This provision takes precedence over any conflicting provision in any other Account Documentation you have with us. We may discontinue offering Authorized Representative options or permitting Authorized Representatives to access your Eligible Account(s) at any time without prior notice. F. If you are appointed as an Authorized Representative on an Eligible Account, you agree that you will access and use the account in accordance with the authority given to you by the appointing account owner. Each time you access, view, or transact on that Eligible Account through Online Banking or Mobile Banking, you represent and warrant to us that your action is authorized by the appointing account owner.

Ownership, Control and Access to Accounts. A. For Eligible Account(s) owned by more than one person, each owner individually has the right to provide Credit Union with instructions, conduct any transaction, make any decision, obtain any information or make any request associated with their Eligible Accounts. We may act on the instructions of any owner, including a minor named as a joint owner, owner without having liability to any owner. Please refer to the specific Account Documentation for your Eligible Accounts and Electronic Banking Services for more details. B. You represent and warrant that any Authorized Representative will be acting as your agent and on your behalf, will be bound by this Agreement and any Account Documentation governing the Account, and is fully authorized by you to act based on the rights you delegate to them. An Authorized Representative appointment by one account owner for an Eligible Account constitutes an Authorized Representative appointment by all other account owners of that Account. C. You acknowledge and agree that all transactions an Authorized Representative or joint owner performs on an Eligible Account, including those you did not want or intend, are for all purposes transactions authorized by you. The account owner(s) of the Eligible Account are solely responsible for those transactions and we are not responsible for them except when required by law. To revoke an Authorized Representative’s authority to perform transactions on your Eligible Account(s) using your own Security Information, you must change your Password within our Online Banking FSCU@HOME internet banking website and notify us that an Authorized Representative is no longer authorized. If you and we permit an Authorized Representative to establish his or her own Security Information to access your Eligible Account(s) using our Electronic Banking Services, you must notify us immediately if such Authorized Representative is no longer authorized to act on your behalf. Only transactions that you did not want or intend and that the Authorized Representative performs after we have had a reasonable opportunity to act on your notification will be considered an unauthorized transactionstransaction. D. If you authorize an Authorized Representative to initiate fund transfers or other transactions on an Account, then you are also agreeing that for purposes of such transactions initiated through Online Banking FSCU@HOME internet banking or Mobile BankingFSCU Mobile, the Authorized Representative is an "“authorized signer" ” on the Account, subject to the terms of the Account Documentation for your applicable Account. In addition, if you make a person an offline authorized signer on an Account, and that authorized signer enrolls in Online Banking FSCU@HOME internet banking and/or FSCU Mobile Banking on your behalf, we may treat that authorized signer as an Authorized Representative for purposes of this Agreement. E. You agree that you will only appoint Authorized Representatives if we permit you to do so and if we provide a procedure for appointing Authorized Representatives as part of Online Banking and/or Mobile Banking. You agree that you will follow any Authorized Representative appointment procedure we provide. This provision takes precedence over any conflicting provision in any other Account Documentation you have with us. We may discontinue offering Authorized Representative options or permitting Authorized Representatives to access your Eligible Account(s) at any time without prior notice. F. If you are appointed as an Authorized Representative on an Eligible Account, you agree that you will access and use the account in accordance with the authority given to you by the appointing account owner. Each time you access, view, view or transact on that Eligible Account through Online Banking FSCU@HOME internet banking or Mobile BankingFSCU Mobile, you represent and warrant to us that your action is authorized by the appointing account owner.