Common use of Pledges Clause in Contracts

Pledges. Unless we agree otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any – Your account may be subject to an Inactive Account fee as stated in our Fee Schedule if a deposit or withdrawal has not been made on your account and we have had no other months as applicable according to state law. Inactivity fees may not be refunded and you authorize us to transfer funds from another account of yours to cover any inactivity fees, if applicable. We will notify you at the address you have provided us or by other means as you have requested before assessing a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining in the account may be escheated to the applicable state as required by law. – Abandoned accounts are subject to an Inactive Account fee as stated in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance of the funds in your account to the state, your accounts will be closed. You will need to contact your state’s Unclaimed Property Division to reclaim the funds. – record of funds held in your account(s). You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized transactions, you must promptly notify us of the relevant facts. As between you and us, if you fail to do this duty, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors on your available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. – You authorize us, at any time, to charge you for all checks, drafts, or other orders for the payment of money, that are drawn on us regardless of by whom or by what means required number of signatures for this purpose. – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account, or your membership in the credit union at any time, by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain the right to deny the availability of any or all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restored.

Pledges. Unless we agree otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any – Your purpose to which we agree. Any pledge of this account must first be satisfied before the rights of any surviving account owner or account beneficiary become effective. For example, if an account has two owners and one of the owners pledges the account (i.e., uses it to secure a debt) and then dies, (1) the surviving owner’s rights in this account do not take effect until the debt has been satisfied, and (2) the debt may be subject satisfied with the funds in this account. POWER OF ATTORNEY - You may wish to appoint an Inactive Account fee agent to conduct transactions on your behalf. This may be done by separate form, such as stated a power of attorney duly prepared and executed according to applicable state law. We have no duty or agreement whatsoever to honor or accept any power of attorney on your account, and we reserve the right to require consent of all owners of an account as a prerequisite for accepting a power of attorney. We are not required to recognize any substitute agent, but have the right to accept an appointment of substitute agent on an account by an agent or attorney-in-fact in our Fee Schedule if sole discretion, and you agree to be bound by the actions of any such substitute agent. If we accept a deposit power of attorney, we may continue to honor the transactions of the agent until: (a) we receive written notice of your revocation of the authority or withdrawal has not been made on your account death, and (b) we have had no a reasonable opportunity to act on that notice. We reserve the right to require at any time verification, in a form acceptable to us, of the agent’s current and continuing authority. You agree not to hold us responsible for any loss or damage you may incur as a result of our following instructions given by an agent acting under a valid power of attorney (or a substitute agent appointed by your agent). We also reserve the right to restrict the types or sizes of transactions we will permit the agent to conduct, on a case-by-case basis, and to impose whatever requirements and restrictions we deem appropriate. STALE-DATED CHECKS - We are not obligated to, but may at our option, pay a check or item, other than a certified check, presented for payment more than six months as applicable according to state lawafter its date. Inactivity fees may If you do not be refunded and you authorize want us to transfer funds from another account of yours to cover any inactivity feespay a stale-dated check or item, if applicable. We will notify you at the address you have provided us or by other means as you have requested before assessing must place a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining stop-payment order on it in the account may be escheated to the applicable state as required by lawmanner we have described. – Abandoned accounts are subject to an Inactive Account fee as stated in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance of the funds in your account to the state, your accounts will be closed. You will need to contact your state’s Unclaimed Property Division to reclaim the funds. – record of funds held FDIC INSURANCE - Funds in your account(s)) with us are insured by the Federal Deposit Insurance Corporation (FDIC) and backed by the full faith and credit of the United States. You must examine your statement The amount of account insurance coverage you have depends on the number of accounts you have with us that are of different “reasonable promptnessownership.” If you discover (or reasonably should have discovered) any unauthorized transactions, you must promptly notify us An individual account is one unique form of the relevant facts. As between you and us, if you fail to do this duty, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed “ownership”; a total of 30 days from when the statement is You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors on your available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. – You authorize us, at any time, to charge you for all checks, drafts, or other orders for the payment of money, that are drawn on us regardless of by whom or by what means required number of signatures for this purpose. – joint ENDORSEMENTS - We may change our bylaws and accept for deposit any term of this agreement. Rules governing changes in rates item payable to you or your order, even if they are provided separately. For other changes we will give you reasonable notice in writing or not endorsed by any other method permitted by lawyou. We may close this accountgive cash back to any one of you. We may supply any missing endorsement(s) for any item we accept for deposit or collection, or your membership in the credit union at any time, by giving reasonable notice to and you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain the right to deny the availability of any or warrant that all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restoredendorsements are genuine.

Pledges. Unless we agree otherwise in writing, each Each owner of this account may pledge all or any part of the funds in it for any – Your purpose to which we agree. Any pledge of this account must first be satisfied before the rights of any surviving account owner or account beneficiary become effective. FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a fiduciary capacity. A fiduciary is someone who is appointed to act on behalf of and for the benefit of another. We are not responsible for the actions of a fiduciary, including the misuse of funds. This account may be subject opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders. You understand that by merely opening such an account, we are not acting in the capacity of a trustee in connection with the trust nor do we undertake any obligation to an Inactive Account fee as stated monitor or enforce the terms of the trust or letters. CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency. LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account (termed "legal action" in this section), we will comply with that legal action. Or, in our Fee Schedule if a deposit or withdrawal has not been made on your account and discretion, we have had no other months as applicable according to state law. Inactivity fees may not be refunded and you authorize us to transfer funds from another account of yours to cover any inactivity fees, if applicable. We will notify you at freeze the address you have provided us or by other means as you have requested before assessing a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining assets in the account and not allow any payments out of the account until a final court determination regarding the legal action. We may do these things even if the legal action involves less than all of you. In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action. Any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys' fees and our internal expenses) may be escheated to the applicable state as required by law. – Abandoned accounts are subject to an Inactive Account fee as stated in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance of the funds in your account to the state, your accounts will be closed. You will need to contact your state’s Unclaimed Property Division to reclaim the funds. – record of funds held in your account(s). You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized transactions, you must promptly notify us of the relevant facts. As between you and us, if you fail to do this duty, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors on your available, you cannot assert a claim charged against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. – You authorize us, at The list of fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. UNLAWFUL USE OF FINANCIAL SERVICES - Any financial service provided by Dort Federal Credit Union may be used for any time, to charge you for all checks, drafts, or other orders for the payment of money, that are drawn on us regardless of by whom or by what means required number of signatures for this purpose. – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method transaction permitted by law. We Illegal use of any financial service will be deemed an action of default and/or breach of contract and such service and/or other related services may close this accountbe terminated at Dort Federal Credit Union's discretion. Should illegal use occur, or your membership in the credit union at any time, by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain cardholder will waive the right to deny the availability of xxx Xxxx Federal Credit Union for such illegal activity directly or indirectly related to it. The cardholder agrees to indemnify and hold Dort Federal Credit Union harmless from any suits or all in other legal action or liability, directly or indirectly, resulting from such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restoredillegal use.

Pledges. Unless we agree otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any purpose to which we agree. Any pledge of this account must first be satisfied before the rights of any surviving account owner or account beneficiary become effective. ACH AND WIRE TRANSFERS – Your account may be This agreement is subject to Article 4A of the Uniform Commercial Code – Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an Inactive Account fee intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as stated provided in our Fee Schedule if Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a deposit or withdrawal has not been made on refund from you in the amount credited to your account and we have had no other months as applicable according to state law. Inactivity fees may the party originating such payment will not be refunded and you authorize us considered to transfer funds from another have paid the amount so credited. If we receive a credit to an account of yours to cover any inactivity fees, if applicable. We will notify you at the address you have provided with us by wire or by other means as ACH, we are not required to give you have requested before assessing a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining in the account may be escheated to the applicable state as required by law. – Abandoned accounts are subject to an Inactive Account fee as stated in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance notice of the funds in your account to the state, your accounts will be closedpayment order or credit. You will need to contact your state’s Unclaimed Property Division to reclaim the funds. – record of funds held in your account(s). You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized transactions, you must promptly notify us of the relevant facts. As between you and us, if you fail to do this duty, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors on your available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. FACSIMILE SIGNATURES – You authorize us, at any time, to charge you for all checks, drafts, or other orders orders, for the payment of money, that are drawn on us regardless of by whom or by what means the facsimile signature (s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose. REMOTELY CREATED CHECKS – We may change our bylaws Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account, or your membership in does not contain the credit union at any time, by giving reasonable notice to you and tender signature of the account balance personally owner (or by maila signature purported to be the signature of the account owner). At our optionIn place of a signature, we may suspend your rights the check usually has a statement that the owner authorized the check or has the owner’s name typed or printed on the signature line. For example, if a person provides an account number in response to member services if you violate a telephone solicitation, the terms of this agreement. reason, we retain telephone solicitor can use the right account number to deny issue a remotely created check to withdraw money from the availability of any or all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restoredaccount.

Pledges. Unless It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you for your account(s). Do not discuss, compare, or share information about your account number(s) with anyone unless you are willing to give them full use of your money. An account can be used by thieves to encode your number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device and grant actual authority to make transfers to another person (a family member or coworker, for example) who then exceeds that authority, you are then liable for the transfers. Your account number can also be used to electronically remove money from your account. If you provide your account number in response to a telephone solicitation for the purpose of making a transfer (to purchase a service or merchandise, for example), payment can be made from your account even though you did not contract us directly and order the payment. You must also take precaution in safeguarding your blank checks. Notify us at once if you believe your checks have been lost or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we substantially contributed to the loss). You agree otherwise that if we offer you services appropriate for your account to help identify and limit fraud or other unauthorized transactions against your account, such as positive pay or commercially reasonable security procedures, and you reject those services, you will be responsible for any fraudulent or unauthorized transactions which could have been prevented by the services we offered, unless we acted in writing, each bad faith or to the extent our negligence contributed to the loss. Each owner of this account may pledge all or any part of the funds in it for any – Your purpose to which we agree. Any pledge of this account may must first be subject to an Inactive Account fee as stated in our Fee Schedule if a deposit or withdrawal has not been made on your account and we have had no other months as applicable according to state law. Inactivity fees may not be refunded and you authorize us to transfer funds from another account of yours to cover any inactivity fees, if applicable. We will notify you at satisfied before the address you have provided us or by other means as you have requested before assessing a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining in the account may be escheated to the applicable state as required by law. – Abandoned accounts are subject to an Inactive Account fee as stated in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance of the funds in your account to the state, your accounts will be closed. You will need to contact your state’s Unclaimed Property Division to reclaim the funds. – record of funds held in your account(s). You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized transactions, you must promptly notify us of the relevant facts. As between you and us, if you fail to do this duty, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors on your available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed rights of any address changes, a charge may be made to your account. – You authorize us, at any time, to charge you for all checks, drafts, surviving account owner or other orders for the payment of money, that are drawn on us regardless of by whom or by what means required number of signatures for this purpose. – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account, or your membership in the credit union at any time, by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain the right to deny the availability of any or all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restoredbeneficiary become effective.

Pledges. Unless we agree otherwise you tell us differently in writing, each owner of this account may pledge all or any part of the funds in it if for any – Your purpose to which we agree. Any pledge of this account must first be satisfied before the rights of any joint account survivor, pay-on-death beneficiary, or trust account beneficiary become effective. For example, if one joint tenant pledges the account evidenced by this agreement for a debt (i.e. uses it to secure a debt) and then dies, (1) the surviving joint tenant's rights in this account do not take effect until the debt has been satisfied and (2) the debt may be subject satisfied with the funds in this account. STOP PAYMENTS- You must make any stop-payment order in the manner required by law and we must receive it in time to an Inactive Account fee as stated in give us a reasonable opportunity to act on it before our Fee Schedule if a deposit or withdrawal has not been made stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee. Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law. You may stop payment on any item drawn on your account and we have had no other months as applicable according to state law. Inactivity fees may not be refunded and whether you authorize us to transfer funds from another account of yours to cover any inactivity feessign the item or not, if applicable. We will notify you at the address you have an equal or greater right to withdraw from this account than the person who signed the item. A release of the stop-payment request may be made only by the person who initiated the stop payment. AMENDMENTS AND TERMINATION- We may change our bylaws and any term of this agreement. Rules governing changes in interest or dividend rates have been provided us separately. For other changes we will give you reasonable notice in writing or by any other means as you have requested before assessing a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining in the account may be escheated to the applicable state as required method permitted by law. – Abandoned accounts are subject We reserve the right to an Inactive Account fee as stated close this account if your membership in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance of the funds in your account to the state, your accounts will be closedthis credit union terminates. You will need agree to contact keep us informed about your state’s Unclaimed Property Division current address at all times. Notice from us to reclaim the fundsanyone of you is notice to all of you. – record of funds held in your account(s). STATEMENTS- You must examine your statement of account with “"reasonable promptness.” " If you discover (or reasonably should have discovered) any unauthorized transactionspayments or alterations, you must promptly notify us of the relevant facts. As between you and us, if If you fail to do this dutyeither of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether upon if we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items forged or altered by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first made available to you. You further agree that if you fail to report any unauthorized signatures, alterationsalteration, forgeries, forgeries or any other errors on in your account within 60 days of when we make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used exercised ordinary care. The limitation in this paragraph is in – It addition to that contained in the first paragraph of this section. DIRECT DEPOSITS- If, in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT- If this option is your responsibility selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to keep us informed the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event this account if you fail to keep us informed of any address changes, comply with the requirements we have imposed within a charge may be made to your accountreasonable time. – FACSIMILE SIGNATURES- You authorize us, at any time, to charge you for all checks, drafts, or other orders orders, for the payment of money, that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen on the signature card or that are filled separately with us, and contain the required number of signatures for this purpose. – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account, or your membership in the credit union at any time, by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain the right to deny the availability of any or all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restored.

Pledges. Unless we agree otherwise you tell us differently in writing, each owner of this account may pledge all or any part of the funds in it for any – Your purposeto which we agree. Any pledge of this account may must first be subject satisfied before the rights of any multiple party account survivor, pay- on-death, beneficiary, or trust account beneficiary become effective. STOP PAYMENTS - A stop-payment order must be given in the manner required by law and must be received in time to an Inactive Account fee as stated in give us areasonable opportunity to act on it before our Fee Schedule if a deposit or withdrawal has not been made stop-payment cutoff time. Our stop-payment cutoff item is one hour after the opening ofthe next banking day after the banking day on your account and which we have had no other months as applicable according receive the item. Additional limitations on our obligation to state stop payment areprovided by law. Inactivity fees may not be refunded A stop-payment order must precisely identify the number, date and you authorize us to transfer funds from another account amount of yours to cover any inactivity feesthe item, if applicableand the payee. We will notify honor astop-payment requested by the person who signed the particular item, and, by any other person, even though such other person did notsigh the item, if such other person has an equal or greater right to withdraw from this account than the person who signed the item inquestion. A release of the stop-payment request may be made only by the person who initiated the stop payment.AMENDMENTS AND TERMINATION - We may change our bylaws and any term of this agreement. Rules governing changes in interest ordividend rates have been provided separately. For other changes we will give you at the address you have provided us reasonable notice in writing or by any other means as you have requested before assessing a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining in the account may be escheated to the applicable state as required methodpermitted by law. – Abandoned accounts are subject We reserve the right to an Inactive Account fee as stated close this account if your membership in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance of the funds in your account to the state, your accounts will be closedthis credit union terminates. You will need agree to contact keep usinformed about your state’s Unclaimed Property Division current address at all times. Notice from us to reclaim the fundsany one of you is notice to all of you. – record of funds held in your account(s). STATEMENTS - You must examine your statement of account with “"reasonable promptness.” " If you discover (or reasonably reasonable should have discoveredhavediscovered) any unauthorized transactionspayment of alterations, you must promptly notify us of the relevant factsfact. As between you and us, if If you fail to do this duty, either or theseduties. you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used exercised ordinary care andcareand, if not, whether we substantially contributed to the loss). .) The loss could be not only with respect to items on the statement but other items otheritems forged or altered by the same wrongdoer. You agree that the time you have to the examine your statement and report to us will depend alldepend on the circumstances, but will that such time ill not, in any an circumstance, exceed a total of 30 days from when the statement is You firstmade available to you. DIRECT DEPOSITS - If, in connection wit a direct deposit plan, we deposit any amount in this account which should have been returned tothe Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from thisaccount or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also useany other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT - If this option is selected, we may restrict or prohibit further agree that use of this account if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors on your available, you cannot assert complywith the requirements we have imposed within a claim against us on any items in that statement, and as between you and us the loss will be entirely yoursreasonable time. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. – FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for all checks, drafts, or other orders orders, for the payment of money, ,that are drawn on us this regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemblethe facsimile signature specimen on the signature card or that are filed separately with us, and contain the required number of signatures for signaturesfor this purpose. – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account, or your membership in the credit union at any time, by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain the right to deny the availability of any or all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restored.

Pledges. Unless we agree you tell us otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any – Your purpose to which we agree. Any pledge of this account may must be subject satisfied before the rights of any joint account survivor, POD beneficiary, or trust account beneficiary become effective. STOP-PAYMENT ORDERS - A stop-payment order from you must be given in the manner required by law and must be received in time to an Inactive Account fee as stated in give us reasonable opportunity to act on it before our Fee Schedule if a deposit or withdrawal has not been made stop-payment cut-off time. Our stop-payment cut-off time is one hour after the start of the next business day after the business day on your account and which we have had no other months as applicable according receive the item. Additional limitations on our obligation to state stop-payment are provided for by law. Inactivity fees may not be refunded A stop- payment order must precisely identify the number, date, amount of the item, and you authorize us to transfer funds from another account of yours to cover any inactivity fees, if applicablethe payee. We will notify you at honor the address you have provided us or stop-payment order by other means as you have requested before assessing any person who possesses a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, right to withdraw from the account will even if that person did not sign the item in question. A release of the stop-payment order may only be presumed abandoned made by the specific person who initiated the stop-payment. There is a fee for all stop-payment orders. Please refer to our current Fee Schedule. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another OHecu account, if otherwise permitted and any funds remaining in the account arranged for, may be escheated made by the same persons and under the same conditions applicable to the applicable state withdrawals made in writing. Other account transfer restrictions may apply as required stipulated by lawlaw or regulation. – Abandoned accounts are subject to an Inactive Account fee as stated in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance of the funds in your account to the state, your accounts will be closed. You will need to contact your state’s Unclaimed Property Division to reclaim the funds. – record of funds held in your account(s). ACCOUNT STATEMENTS - You must examine your account statement of account with “within a reasonable promptness.” time after receipt. If you discover (or reasonably should have discovered) any unauthorized transactionspayments, forgeries, or alterations, you must promptly notify us of the relevant facts. As between you and us, if If you fail to do this dutyeither of these duties, you will either have to either share the loss with us, us or bear the loss entirely yourself (depending on upon whether we used exercised ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the specific circumstances, but that such time will not, in any circumstance, exceed a total of 30 thirty (30) days from when the statement is You further agree that if first available to you. ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the federal or state government for any reason, you fail authorize us to report any unauthorized signatures, alterations, forgeries, deduct the amount of our liability to the federal or state government from this account or from any other errors on your availableaccount you have with us without prior notice and at any time except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. UNCLAIMED FUNDS - Any money or right you have in this account will become unclaimed funds under Ohio Revised Code Chapter 169, if, according to our records, you cando not: a) make a deposit or withdrawal for five (5) years; b) correspond with us regarding this account; or c) transact business with us or otherwise indicate an interest or knowledge of the funds. RESTRICTIVE LEGENDS - We are not assert a claim against us required to honor any restrictive legend on any items you write unless we have agreed to the restriction in that statementwriting, and as between you and us signed by an officer of the loss will Credit Union. Examples of restrictive legends are “must be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. – presented within 90 days” or “not valid for more than $1,000.00.” FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for all checks, drafts, or other orders for the payment of money, money that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen on the signature card, or that are filed separately with us, and contain the required number of signatures for this purpose. – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account, or your membership in the credit union at any time, by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain the right to deny the availability of any or all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restored.

Pledges. Unless we agree you tell us otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any – Your purpose to which we agree. Any pledge of this account may must be subject satisfied before the rights of any joint account survivor, POD beneficiary, or trust account beneficiary become effective. STOP-PAYMENT ORDERS - A stop-payment order from you must be given in the manner required by law and must be received in time to an Inactive Account fee as stated in give us reasonable opportunity to act on it before our Fee Schedule if a deposit or withdrawal has not been made stop-payment cut-off time. Our stop- payment cut-off time is one hour after the start of the next business day after the business day on your account and which we have had no other months as applicable according receive the item. Additional limitations on our obligation to state stop-payment are provided for by law. Inactivity fees may not be refunded A stop-payment order must precisely identify the number, date, amount of the item, and you authorize us to transfer funds from another account of yours to cover any inactivity fees, if applicablethe payee. We will notify you at honor the address you have provided us or stop-payment order by other means as you have requested before assessing any person who possesses a feeright to withdraw from the account, even if that person did not sign the item in question. Your A release of the stop-payment order may only be made by the specific person who initiated the stop- payment. There is a fee for all stop-payment orders. Please refer to our current Fee Schedule. TELEPHONE TRANSFERS - A telephone transfer of funds from this account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of timeto another OHecu account, the account will be presumed abandoned if otherwise permitted and any funds remaining in the account arranged for, may be escheated made by the same persons and under the same conditions applicable to withdrawals made in writing. We restrict the applicable state as required by law. – Abandoned accounts are subject to an Inactive Account fee as stated in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance number of the funds in your telephone transfers from a Money Market account to another account or to third parties to a maximum of six (6) per month (less the state, your accounts will be closed. You will need to contact your state’s Unclaimed Property Division to reclaim the funds. – record number of funds held certain pre-authorized transfers made in your account(sa month). Other account transfer restrictions may apply as stipulated by law or regulation. ACCOUNT STATEMENTS - You must examine your account statement of account with “within a reasonable promptness.” time after receipt. If you discover (or reasonably should have discovered) any unauthorized transactionspayments, forgeries, or alterations, you must promptly notify us of the relevant facts. As between you and us, if If you fail to do this dutyeither of these duties, you will either have to either share the loss with us, us or bear the loss entirely yourself (depending on upon whether we used exercised ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the specific circumstances, but that such time will not, in any circumstance, exceed a total of 30 thirty (30) days from when the statement is You further agree that if first available to you. ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the federal or state government for any reason, you fail authorize us to report any unauthorized signatures, alterations, forgeries, deduct the amount of our liability to the federal or state government from this account or from any other errors on your availableaccount you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. UNCLAIMED FUNDS - Any money or right you have in this account will become unclaimed funds under Ohio Revised Code Chapter 169, if, according to our records, you cando not: a) make a deposit or withdrawal for five (5) years; b) correspond with us regarding this account; or c) transact business with us or otherwise indicate an interest or knowledge of the funds. RESTRICTIVE LEGENDS - We are not assert a claim against us required to honor any restrictive legend on any items you write unless we have agreed to the restriction in that statementwriting, and as between you and us signed by an officer of the loss will Credit Union. Examples of restrictive legends are “must be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. – presented within 90 days” or “not valid for more than $1,000.00.” FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for all checks, drafts, or other orders for the payment of money, money that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen on the signature card, or that are filed separately with us, and contain the required number of signatures for this purpose. – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account, or your membership in the credit union at any time, by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain the right to deny the availability of any or all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restored.

Pledges. Unless we agree otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any – Your purpose to which we agree. Any pledge of this account may must first be satisfied before the rights of any surviving account owner or account beneficiary become effective. ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code- Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an Inactive Account fee intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by Automated Clearing House Association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as stated provided in our Fee Schedule if Article 4A, 403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a deposit or withdrawal has not been made on refund from you in the amount credited to your account and we have had no other months as applicable according to state law. Inactivity fees may the party originating such payment will not be refunded and you authorize us considered to transfer funds from another have paid the amount so credited. If we receive a credit to an account of yours to cover any inactivity fees, if applicable. We will notify you at the address you have provided with us by wire or by other means as ACH, we are not required to give you have requested before assessing a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining in the account may be escheated to the applicable state as required by law. – Abandoned accounts are subject to an Inactive Account fee as stated in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance notice of the funds in your account to the state, your accounts will be closedpayment order or credit. You will need to contact your state’s Unclaimed Property Division to reclaim the funds. – record of funds held in your account(s). You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized transactions, you must promptly notify us of the relevant facts. As between you and us, if you fail to do this duty, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors on your available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in – It is your responsibility to keep us informed of your current mailing address and email address to insure correct change of address shall be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. – FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for all checks, drafts, or other orders orders, for the payment of from money, that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose. – We POWER OF ATTORNEY - You may change our bylaws and any term wish to appoint an agent to conduct transactions on your behalf. (We, however, have no duty or agreement whatsoever to monitor or insure that the acts of this agreement. Rules governing changes the agent are for your benefit.) This may be done by allowing your agent to sign in rates are provided separately. For other changes we will give you reasonable notice in writing that capacity on the signature card or by any other method permitted by lawseparate form, such as power of attorney. A power of attorney continues until your death or the death of the person given the power. If the power of attorney is not “durable,” it is revoked when you become incompetent. We may close continue to honor the transactions of the agent until: (a) we have received written notice or have actual knowledge of the termination of the authority or the death of an owner, and (b) we have had a reasonable opportunity to act on that notice or knowledge. You agree not to hold us responsible for any loss or damage you may incur as a result of our following instructions given by an agent acting under a valid power of attorney. NCUA INSURANCE - Funds in your account(s) with us are insured by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States. The amount of insurance coverage you have depends on the number of accounts you have with us and the ownership of those accounts. (For example, if you have one individual account with us, it will be insured to at least $250,000.) If you want additional information, you may ask us or contact the local office of the NCUA. ENDORSEMENTS - We may accept for deposit any item payable to you or your order, even if they are not endorsed by you. We may give cash back to any one of you. If an item that is payable to two or more persons is ambiguous as to whether it is payable to either or both persons, we may process the item as though it is payable to one person. We may supply any missing endorsement(s) for any item we accept for deposit or collection, but we may require an item to be endorsed if the item requires it. You warrant that all endorsements are genuine. INACTIVE ACCOUNTS - Inactive accounts (accounts with no deposits or withdrawals within a one-year period) may be subject to an Inactive Account Fee. If we charge a fee, we will notify you, as required by law, at your last known address. We have no liability for your account becomes inactive and subject to escheat in accordance with state and/or federal law. UNCLAIMED PROPERTY - The law establishes procedures under which unclaimed property must be surrendered to the state. Generally, the funds in your account are considered unclaimed if you have not had any activity or communication with us regarding your account over a period of years. Ask us if you want further information about the period of time or type of activity that will prevent your account from being unclaimed. If your funds are surrendered, we no longer have any liability or responsibility with respect to the funds. You may be able to reclaim surrendered funds, but your claim must be presented to the state. CASH TRANSACTION REPORTING - To help law enforcement agencies detect illegal activities, the law requires all financial institutions to gather and report information on some types of cash transactions. If the information we need to complete the report is not provided, we are required to refuse to handle the transaction. If you have any questions regarding these rules, please contact your local Internal Revenue Service office. BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requires us to report interest payments we make to you of $10 or more in a year, and to include your Taxpayer Identification Number (TIN) on the report (the taxpayer identification number is your Social Security number if you are an individual). CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency. LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to your account (termed “legal action” in this section), we will comply with that legal action. In these cases, we will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with legal action. Any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys’ fees and our internal expenses) may be charged against your account. The list of fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. CHECK STORAGE AND COPIES - You agree that you will not receive your canceled checks. We will store your canceled checks or copies of them for a reasonable retention period. You may request copies from us in the manner we SECURITY - It is your responsibility to protect the account number(s) and access device(s) (e.g., an ATM card, point-of- sale card and/or Personal Identification Number [PIN]) for your account(s). Do not discuss, compare, or share information about your account number(s) or access device(s) with anyone unless you are willing to give them full use of your money. Checks and electronic withdrawals are processed by automated methods, and anyone who obtains your account number or access device could use it to withdraw money from your account, with or without your permission. Account Numbers - Thieves can encode your account number on a check which looks and functions like an authorized check and can be used to withdraw money from your accounts. Your account number can also be used to issue a “preauthorized draft.” A preauthorized draft is a draft or check that can be used to withdraw money from your account. Unlike a typical personal check, you do not issue or sign a preauthorized draft; someone else does on your behalf. For example, if you provide your account number in response to a telephone solicitation, the telephone solicitor can use the account number to issue and sign a check to withdraw money from your account. If you have truly authorized the preauthorized draft (to purchase a service or merchandise, for example), it is properly payable. But it can be risky to authorize a preauthorized draft. A xxxxxxxx could issue a preauthorized draft in an amount greater than you authorized, or issue additional preauthorized drafts that you have not authorized. We will not know if the withdrawal is unauthorized or in an amount greater than the amount you have authorized. Payment can be made from your account even though you did not contact us directly and order the payment. Access Devices - If you furnish your access device and grant actual authority to make transfers to someone who then exceeds that authority, you will be liable for the transfers unless we have been notified that transfers by that person are no longer authorized. Please review the additional information you have received or will receive regarding transfers by access device. Blank Checks - You must also take precaution in safeguarding your blank checks. Notify us at once if you think your blank checks have been lost or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely yourself, or share the loss with us if we failed to use ordinary care which substantially contributes to the loss. TELEPHONIC INSTRUCTIONS - Unless we have agreed otherwise in writing, we are not required to act upon instructions you give us via facsimile transmission or leave by voice mail or on a telephone answering machine. CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, or any other unauthorized withdrawal, you agree to cooperate with us in the investigation of the loss, including giving us an affidavit containing whatever reasonable information we require concerning your account, the transactions, and the circumstances surrounding the loss. You will notify law enforcement authorities of any criminal act related to the claim of lost, missing, or stolen checks or unauthorized withdrawals. We will have a reasonable period of time to investigate the facts and circumstances surrounding any claim of loss. Unless we have acted in bad faith, we will not be liable for special or consequential damages, including loss of profits or opportunity, or for attorneys’ fees incurred by you. NOTICE OF NEGATIVE INFORMATION – Federal law requires us to provide the following notice to members before any “negative information” may be furnished to a nationwide consumer reporting agency. “Negative information” includes information concerning delinquencies, overdrafts or any form of default. This notice does not mean that we will be reporting such information about you, only that we may report such information about members that have not done what they are required to do under our agreement. We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. CLOSURE OF ACCOUNT - We may close your account(s) if you have chosen to terminate your membership in the credit union Credit Union. You may close any one of your accounts at any time. In either case, by giving reasonable notice to you and we will tender of the account balance to you personally or by mail. At our optionItems presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. TERMINATION OF ACCOUNT - We may terminate your account(s) at any time, or may require you to close your account(s) 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 related to the account; (4) lost or stolen share draft(s) is reported; (5) there are excessive returned unpaid items not covered by a loan arrangement; (6) there has been a misrepresentation or abuse regarding any of your accounts; or (7) we may suspend reasonably believe it necessary to prevent a loss to us. We are not responsible for payment of any draft, withdrawal, or other item after your rights account is terminated; however, you agree to member services if you violate reimburse us for any costs associated with paying the terms of this agreementitem after termination. reason, we retain We reserve the right to deny require the availability consent of any or all in such owners to terminate a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restoredmultiple party account.

Pledges. Unless we agree otherwise you tell us differently in writing, each owner of this account may pledge all or any part of the funds in it for any purpose to which we agree. Any pledge of this account must first be satisfied before the right of any multiple party account survivor, pay-on-death beneficiary, or trust account beneficiary become effective. Stop Payments – Your account may a stop-payment order must be subject given in the manner required by law and must be received in time to an Inactive Account fee as stated give us a reasonable opportunity to act on it before our stop-payment cutoff time. Our stop-payment cutoff time in one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our Fee Schedule if a deposit or withdrawal has not been made on your account and we have had no other months as applicable according obligation to state stop payment are provided by law. Inactivity fees may not be refunded A stop-payment order must precisely identify the number, date and you authorize us to transfer funds from another account amount of yours to cover any inactivity feesthe item, if applicableand the payee. We will notify honor a stop- payment request by the person who signed the particular item, and, by any other person, even though such person did not sign the item. If such other person has an equal or greater right to withdraw from this account than the person who signed the item in question. A release of the stop-payment request may be made only by the person who initiated the stop payment. Amendments and Termination – We may change our bylaws and any term of this agreement. Rules governing changes in dividend rates have been provided separately. For other changes we will give you at the address you have provided us reasonable notice in writing or by any other means as you have requested before assessing a fee. Your account will be charged an Inactive Account fee monthly until you contact us or your account has account remain inactive for an extended period of time, the account will be presumed abandoned and any funds remaining in the account may be escheated to the applicable state as required method permitted by law. – Abandoned accounts are subject We reserve the right to an Inactive Account fee as stated close this account if your membership in our Fee Schedule and according to state law. Abandoned accounts are escheated and funds remitted to the appropriate state’s Unclaimed Property Division as required by individual state laws. Upon remittance of the funds in your account to the state, your accounts will be closedthis credit union terminates. You will need agree to contact keep us informed about your state’s Unclaimed Property Division current address at all times. Notice from us to reclaim the fundsany one of you is notice to all of you. Statements – record of funds held in your account(s). You must examine your statement of account with “reasonable promptness.” ”. If you discover (or reasonably should have discovered) any unauthorized transactionspayments or alterations, you must promptly notify us of the relevant facts. As between you and us, if If you fail to do this dutyeither of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used exercised ordinary care and, if not, whether we substantially contributed to the loss). The loss could not be not only with respect to items on the statement but other items forged or altered by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, but that such time will not, in any circumstancecircumstances, exceed a total of 30 14 days from when the statement is first made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, forgeries or any other errors on in your account within 60 days of when we make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-60 day limitation is without regard to whether we used exercised ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section. Direct Deposits – It is your responsibility If, in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to keep the Federal Government for any reason, you authorize us informed to deduct the amount of your current mailing address our liability to the Federal Government from this account or from any other account you have with us, without prior notice and email address at any time, except as prohibited by law. We may also use any other legal remedy to insure correct change recover the amount of address shall our liability. Restrictive Legends – We are not required to honor any restrictive legend on items you write unless we have agreed to the restriction in a writing signed by an officer of the credit union. Examples of restrictive legends are “must be made in writing to us. You can update your email address by going to xxx.xxxxx.xxx, logging into Online Account Access and selecting then . In the event you fail to keep us informed of any address changes, a charge may be made to your account. presented within 90 days” or “not valid for more than $1000.00.” Facsimile Signatures – You authorize us, at any time, to charge you for all checks, drafts, or other orders orders, for the payment of money, that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen on the signature card or that are filed separately with us, and contain the required number of signatures for this purpose. – We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account, or your membership in the credit union at any time, by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. reason, we retain the right to deny the availability of any or all in such a manner that we sustain no loss, including expenses with regard to the obligation, then your eligibility to and access for credit union services may be restored.