Common use of Reviewing Your Statement Clause in Contracts

Reviewing Your Statement. You agree to carefully and promptly review your account statements. If you feel there is an error, an omission or an unauthorized transaction on your statement, you must immediately notify us in writing. If you fail to notify us in writing within 60 calendar days of the statement date, the statement will be considered correct. You agree that we will not be liable for paying or charging any erroneous item if you have not reported the erroneous item to us in writing within 60 calendar days of the date of the statement first containing the erroneous item. An erroneous item includes an unauthorized check, debit transaction or other item, an unauthorized signature or endorsement, a missing signature or endorsement, an alteration, a counterfeit item, an encoding error, an unauthorized or incorrect fee, a missing, diverted or unauthorized deposit, or any other type of error. If you report an erroneous item on your account, you agree to cooperate with LGFCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account. Notwithstanding the foregoing, the Consumer Liability section under the Regulation E Disclosure above governs the reporting of erroneous items that constitute electronic fund transfers subject to Regulation E. You also have certain rights under federal law for substitute checks; please see the Substitute Check Policy Disclosure for more information. Mailing Address: You agree to notify us promptly of any change in your contact information. We may rely on any instructions made by you, or on your behalf, including by any co-owner or agent, to change your contact information or mode of statement delivery without liability. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service or its agents. If you receive paper statements, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You agree to notify us immediately if you believe you are not receiving your correspondence from LGFCU. If a statement is returned undeliverable or we otherwise receive notice that it is undeliverable, we may stop mailing statements until we receive verification of your mailing address. We have no obligation to mail the statements to any other account owner or other address on file. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraph, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. Communications with SECU We may accept and act upon instructions from you to open accounts, transfer all or any portion of the balance of your accounts, close your accounts, process a change of account information, or obtain any other deposit services from SECU. We may accept instructions you give verbally or in writing, whether in person, by telephone, electronic communication or by any other reasonable method. We may accept and act on such instructions that do not contain your signature with the same effect as if such instructions were signed by you. However, we may, in our discretion, require your original signature or any other documentation before accepting and acting upon your instructions. Opening Additional Accounts You agree that some LGFCU accounts can be opened by referencing a previously signed account signature form. Referencing means that a new account will be opened, and a new account signature form created, based on your current instructions and your signature on a previous account signature form. Individually owned accounts may be opened by referencing an account signature form that you previously signed creating an individual or joint account. Jointly owned accounts (all of which have the right of survivorship) may be opened referencing an account signature form that you previously signed, provided the joint ownership on the referenced account signature form is the same as the joint ownership on the new joint account. Any joint owner may request to open a joint account with the same joint ownership by referencing a previously signed account signature form. Not all accounts can be opened by referencing a previously signed account signature agreement. For example, you must sign a new account signature agreement to open an IRA.

Reviewing Your Statement. You agree to carefully and promptly review your account statements. If you feel there is an error, an omission omission, or an unauthorized transaction on your statement, you must immediately notify us in writing. If you fail to notify us in writing within 60 calendar days of the statement date, the statement will be considered correct. You agree that we will not be liable for paying or charging any erroneous item if you have not reported the erroneous item to us in writing within 60 calendar days of the date of the statement first containing the erroneous item. An erroneous item includes an unauthorized check, debit transaction withdrawal or other itemtransaction, an unauthorized signature or endorsement, a missing signature or endorsement, an alteration, a counterfeit item, an encoding error, an unauthorized or incorrect fee, a missing, diverted or unauthorized deposit, or any other type of error. If you report an erroneous item on your account, you agree to cooperate with LGFCU SECU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account. Notwithstanding the foregoingFor information on reporting erroneous electronic funds transfers subject to Regulation E, please see the Consumer Liability section under the Regulation E Disclosure above governs the reporting of erroneous items that constitute electronic fund transfers subject to Regulation E. You also have certain rights under federal law for substitute checks; please see the Substitute Check Policy Disclosure for more informationDisclosure. Mailing Address: You agree to notify us promptly of any change in your contact information. We may rely on any instructions made by you, or on your behalf, including by any co-co- owner or agent, to change your contact information or mode of statement delivery without liability. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service or its agents. If you receive paper statementsa printed statement, we mail a copy of the paper printed statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on fileaccount. You agree to notify us immediately if you believe you are not receiving your correspondence from LGFCUSECU. If a statement is returned undeliverable or we otherwise receive notice that it is undeliverablefrom the U.S. Postal Service, we may will stop mailing statements until we receive verification of your mailing address. We have no obligation to mail the If statements to any other account owner or other address on file. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraphare returned undeliverable, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. Communications with SECU We may accept and act upon instructions from you to open accounts, transfer all or any portion of the balance of your accounts, close your accounts, process a change of account information, or obtain any other deposit services from SECU. We may accept instructions you give verbally or in writing, whether in person, by telephone, electronic communication or by any other reasonable method. We may accept and act on such instructions that do not contain your signature with the same effect as if such instructions were signed by you. However, we may, in our discretion, require your original signature or any other documentation before accepting and acting upon your instructions. Opening Additional Accounts You agree that some LGFCU SECU accounts can be opened by referencing a previously signed account signature form. Referencing means that a new account will be opened, and a new account signature form created, based on your current instructions and your signature on a previous account signature form. Individually owned accounts may be opened by referencing an account signature form that you previously signed creating an individual or joint account. Jointly owned accounts (all of which have the right of survivorship) may be opened referencing an account signature form that you previously signed, provided the joint ownership on the referenced account signature form is the same as the joint ownership on the new joint account. Any joint owner may request to open a joint account with the same joint ownership by referencing a previously signed account signature form. Not all accounts can be opened by referencing a previously signed account signature agreement. For example, you must sign a new account signature agreement to open an IRA.

Reviewing Your Statement. You agree to carefully and promptly review your account statements. If you feel there is an error, an omission or an unauthorized transaction on your statement, you must immediately notify us in writing. If I f you fail to notify us in writing within 60 calendar days of the statement date, the statement will be considered correct. You agree that we will not be liable for paying or charging any erroneous item if you have not reported the erroneous item to us in writing within 60 calendar days of the date of the statement first containing the erroneous itemi tem. An erroneous item includes an unauthorized check, debit transaction withdrawal or other itemtransaction, an unauthorized signature or endorsement, a missing signature or endorsement, an alteration, a counterfeit item, an encoding error, an unauthorized or incorrect fee, a missing, diverted or unauthorized deposit, or any other type of error. If you report an erroneous item on your account, you agree to cooperate with LGFCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account. Notwithstanding the foregoingFor information on reporting erroneous electronic funds transfers subject to Regulation E, please see the Consumer Liability section under the Regulation E Disclosure above governs the reporting of erroneous items that constitute electronic fund transfers subject to Regulation E. You also have certain rights under federal law for substitute checks; please see the Substitute Check Policy Disclosure for more informationDisclosure. Mailing Address: You agree to notify us promptly of any change in your contact information. We may rely on any instructions made by you, or on your behalf, including by any co-owner or agent, to change your contact information or mode of statement delivery without liability. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service or its agents. If you receive paper statements, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You also agree to notify us immediately if i f you believe you are not receiving your correspondence from LGFCU. If a statement is returned undeliverable or we otherwise receive notice that it is undeliverablefrom the U.S. Postal Service, we may will stop mailing statements until we receive verification of your mailing address. We have no obligation to mail the If statements to any other account owner or other address on file. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraphare returned undeliverable, you agree that your statements and items have been “made availableavailabl e” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. Communications with SECU We may accept and act upon instructions from you to open accounts, transfer all or any portion of the balance of your accounts, close your accounts, process a change of account information, or obtain any other deposit services from SECU. We may accept instructions you give verbally or in writing, whether in person, by telephone, electronic communication or by any other reasonable method. We may accept and act on such instructions that do not contain your signature with the same effect as if such instructions were signed by you. However, we may, in our discretion, require your original signature or any other documentation before accepting and acting upon your instructions. Opening Additional Accounts You agree that some LGFCU accounts can be opened by referencing a previously signed account signature form. Referencing means that a new account will be opened, and a new account signature form created, based on your current instructions and your signature on a previous account signature form. Individually owned accounts may be opened by referencing an account signature form that you previously signed creating an individual or joint account. Jointly owned accounts (all of which have the right of survivorship) may be opened referencing an account signature form that you previously signed, provided the joint ownership on the referenced account signature form is the same as the joint ownership on the new joint account. Any joint owner may request to open a joint account with the same joint ownership by referencing a previously signed account signature form. Not all accounts can be opened by referencing a previously signed account signature agreement. For example, you must sign a new account signature agreement to open an IRAXXX.

Reviewing Your Statement. You agree to carefully and promptly review your account statements. If you feel there is an error, an omission or an unauthorized transaction on your statement, you must immediately notify us in writing. If you fail to notify us in writing within 60 calendar days of the statement date, the statement will be considered correct. You agree that we will not be liable for paying or charging any erroneous item if you have not reported the erroneous item to us in writing within 60 calendar days of the date of the statement first first containing the erroneous item. An erroneous item includes an unauthorized check, debit transaction withdrawal or other itemtransaction, an unauthorized signature or endorsement, a missing signature or endorsement, an alteration, a counterfeit item, an encoding error, an unauthorized or incorrect fee, a missing, diverted or unauthorized deposit, or any other type of error. If you report an erroneous item on your account, you agree to cooperate with LGFCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account. Notwithstanding the foregoingFor information on reporting erroneous electronic funds transfers subject to Regulation E, please see the Consumer Liability section under the Regulation E Disclosure above governs the reporting of erroneous items that constitute electronic fund transfers subject to Regulation E. You also have certain rights under federal law for substitute checks; please see the Substitute Check Policy Disclosure for more informationDisclosure. Mailing Address: You agree to notify us promptly of any change in your contact information. We may rely on any instructions made by you, or on your behalf, including by any co-owner or agent, to change your contact information or mode of statement delivery without liability. We may also rely on our receipt of a notification notification of an address change from the U.S. Postal Service or its agents. If you receive paper statements, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You also agree to notify us immediately if you believe you are not receiving your correspondence from LGFCU. If a statement is returned undeliverable or we otherwise receive notice that it is undeliverablefrom the U.S. Postal Service, we may will stop mailing statements until we receive verification verification of your mailing address. We have no obligation to mail the If statements to any other account owner or other address on file. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraphare returned undeliverable, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. Communications with SECU We may accept and act upon instructions from you to open accounts, transfer all or any portion of the balance of your accounts, close your accounts, process a change of account information, or obtain any other deposit services from SECU. We may accept instructions you give verbally or in writing, whether in person, by telephone, electronic communication or by any other reasonable method. We may accept and act on such instructions that do not contain your signature with the same effect as if such instructions were signed by you. However, we may, in our discretion, require your original signature or any other documentation before accepting and acting upon your instructions. Opening Additional Accounts You agree that some LGFCU accounts can be opened by referencing a previously signed account signature form. Referencing means that a new account will be opened, and a new account signature form created, based on your current instructions and your signature on a previous account signature form. Individually owned accounts may be opened by referencing an account signature form that you previously signed creating an individual or joint account. Jointly owned accounts (all of which have the right of survivorship) may be opened referencing an account signature form that you previously signed, provided the joint ownership on the referenced account signature form is the same as the joint ownership on the new joint account. Any joint owner may request to open a joint account with the same joint ownership by referencing a previously signed account signature form. Not all accounts can be opened by referencing a previously signed account signature agreement. For example, you must sign a new account signature agreement to open an IRA.

Reviewing Your Statement. You agree to carefully and promptly review your account statements. If you feel there is an error, an omission or an unauthorized transaction on your statement, you must immediately notify us in writing. If you fail to notify us in writing within 60 calendar days of the statement date, the statement will be considered correct. You agree that we will not be liable for paying or charging any erroneous item if you have not reported the erroneous item to us in writing within 60 calendar days of the date of the statement first containing the erroneous item. An erroneous item includes an unauthorized check, debit transaction withdrawal or other itemtransaction, an unauthorized signature or endorsement, a missing signature or endorsement, an alteration, a counterfeit item, an encoding error, an unauthorized or incorrect fee, a missing, diverted or unauthorized deposit, or any other type of error. If you report an erroneous item on your account, you agree to cooperate with LGFCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account. Notwithstanding the foregoingFor information on reporting erroneous electronic funds transfers subject to Regulation E, please see the Consumer Liability section under the Regulation E Disclosure above governs the reporting of erroneous items that constitute electronic fund transfers subject to Regulation E. You also have certain rights under federal law for substitute checks; please see the Substitute Check Policy Disclosure for more informationDisclosure. Mailing Address: You agree to notify us promptly of any change in your contact information. We may rely on any instructions made by you, or on your behalf, including by any co-owner or agent, to change your contact information or mode of statement delivery without liability. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service or its agents. If you receive paper statements, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You also agree to notify us immediately if you believe you are not receiving your correspondence from LGFCU. If a statement is returned undeliverable or we otherwise receive notice that it is undeliverablefrom the U.S. Postal Service, we may will stop mailing statements until we receive verification of your mailing address. We have no obligation to mail the If statements to any other account owner or other address on file. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraphare returned undeliverable, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. Communications with SECU We may accept and act upon instructions from you to open accounts, transfer all or any portion of the balance of your accounts, close your accounts, process a change of account information, or obtain any other deposit services from SECU. We may accept instructions you give verbally or in writing, whether in person, by telephone, electronic communication or by any other reasonable method. We may accept and act on such instructions that do not contain your signature with the same effect as if such instructions were signed by you. However, we may, in our discretion, require your original signature or any other documentation before accepting and acting upon your instructions. Opening Additional Accounts You agree that some LGFCU accounts can be opened by referencing a previously signed account signature form. Referencing means that a new account will be opened, and a new account signature form created, based on your current instructions and your signature on a previous account signature form. Individually owned accounts may be opened by referencing an account signature form that you previously signed creating an individual or joint account. Jointly owned accounts (all of which have the right of survivorship) may be opened referencing an account signature form that you previously signed, provided the joint ownership on the referenced account signature form is the same as the joint ownership on the new joint account. Any joint owner may request to open a joint account with the same joint ownership by referencing a previously signed account signature form. Not all accounts can be opened by referencing a previously signed account signature agreement. For example, you must sign a new account signature agreement to open an IRA.

Reviewing Your Statement. You agree to carefully and promptly review your account statements. If you feel there is an error, an omission or an unauthorized transaction on your statement, you must immediately notify us in writing. If you fail to notify us in writing within 60 calendar days of the statement date, the statement will be considered correct. You agree that we will not be liable for paying or charging any erroneous item if you have not reported the erroneous item to us in writing within 60 calendar days of the date of the statement first containing the erroneous item. An erroneous item includes an unauthorized check, debit transaction or other item, an unauthorized signature or endorsement, a missing signature or endorsement, an alteration, a counterfeit item, an encoding error, an unauthorized or incorrect fee, a missing, diverted or unauthorized deposit, or any other type of error. If you report an erroneous item on your account, you agree to cooperate with LGFCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account. Notwithstanding the foregoing, the Consumer Liability section under the Regulation E Disclosure above governs the reporting of erroneous items that constitute electronic fund transfers subject to Regulation E. You also have certain rights under federal law for substitute checks; please see the Substitute Check Policy Disclosure for more information. Mailing Address: You agree to notify us promptly of any change in your contact information. We may rely on any instructions made by you, or on your behalf, including by any co-owner or agent, to change your contact information or mode of statement delivery without liability. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service or its agents. If you receive paper statements, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You agree to notify us immediately if you believe you are not receiving your correspondence from LGFCU. If a statement is returned undeliverable or we otherwise receive notice that it is undeliverable, we may stop mailing statements until we receive verification of your mailing address. We have no obligation to mail the statements to any other account owner or other address on file. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraph, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. Communications with SECU LGFCU We may accept and act upon instructions from you to open accounts, transfer all or any portion of the balance of your accounts, close your accounts, process a change of account information, or obtain any other deposit services from SECULGFCU. We may accept instructions you give verbally or in writing, whether in person, by telephone, electronic communication or by any other reasonable method. We may accept and act on such instructions that do not contain your signature with the same effect as if such instructions were signed by you. However, we may, in our discretion, require your original signature or any other documentation before accepting and acting upon your instructions. Opening Additional Accounts You agree that some LGFCU accounts can be opened by referencing a previously signed account signature form. Referencing means that a new account will be opened, and a new account signature form created, based on your current instructions and your signature on a previous account signature form. Individually owned accounts may be opened by referencing an account signature form that you previously signed creating an individual or joint account. Jointly owned accounts (all of which have the right of survivorship) may be opened referencing an account signature form that you previously signed, provided the joint ownership on the referenced account signature form is the same as the joint ownership on the new joint account. Any joint owner may request to open a joint account with the same joint ownership by referencing a previously signed account signature form. Not all accounts can be opened by referencing a previously signed account signature agreement. For example, you must sign a new account signature agreement to open an IRA.

Reviewing Your Statement. You agree to carefully and promptly review your account statements. If you feel there is an error, an omission or an unauthorized transaction on your statement, you must immediately notify us in writing. If you fail to notify us in writing within 60 calendar days of the statement date, the statement will be considered correct. You agree that we will not be liable for paying or charging any erroneous item if you have not reported the erroneous item to us in writing within 60 calendar days of the date of the statement first containing the erroneous item. An erroneous item includes an unauthorized check, debit transaction or other item, an unauthorized signature or endorsement, a missing signature or endorsement, an alteration, a counterfeit item, an encoding error, an unauthorized or incorrect fee, a missing, diverted or unauthorized deposit, or any other type of error. If you report an erroneous item on your account, you agree to cooperate with LGFCU in our investigation and prosecution of the claim and any attempt to recover the funds. We may require you to provide us with an affidavit about the circumstances of your report and any other reasonable information we may request. You also agree to file reports with the appropriate law enforcement agencies. If you fail to do these things, we may charge the full amount of the item(s) to your account. Notwithstanding the foregoing, the Consumer Liability section under the Regulation E Disclosure above governs the reporting of erroneous items that constitute electronic fund transfers subject to Regulation E. You also have certain rights under federal law for substitute checks; please see the Substitute Check Policy Disclosure for more information. Mailing Address: You agree to notify us promptly of any change in your contact information. We may rely on any instructions made by you, or on your behalf, including by any co-owner or agent, to change your contact information or mode of statement delivery without liability. We may also rely on our receipt of a notification of an address change from the U.S. Postal Service or its agents. If you receive paper statements, we mail a copy of the paper statement to one address per statement. We have no obligation to mail the statements to any other account owner or other address on file. You agree to notify us immediately if you believe you are not receiving your correspondence from LGFCU. If a statement is returned undeliverable or we otherwise receive notice that it is undeliverable, we may stop mailing statements until we receive verification of your mailing address. We have no obligation to mail the statements to any other account owner or other address on file. We may destroy undelivered statements, along with any accompanying items. However, copies of any undelivered statements and paid items will still be made available to you upon your request, subject to any applicable fees and our legal obligation to maintain copies of statements and items. Therefore, if we stop mailing your statements as described in this paragraph, you agree that your statements and items have been “made available” to you as of the date of the statement for purposes of your responsibility to promptly review your statements and report any erroneous items to us. Communications with SECU LGFCU We may accept and act upon instructions from you to open accounts, transfer all or any portion of the balance of your accounts, close your accounts, process a change of account information, or obtain any other deposit services from SECULGFCU. We may accept instructions you give verbally or in writing, whether in person, by telephone, electronic communication or by any other reasonable method. We may accept and act on such instructions that do not contain your signature with the same effect as if such instructions were signed by you. However, we may, in our discretion, require your original signature or any other documentation before accepting and acting upon your instructions. Opening Additional Accounts You agree that some LGFCU accounts can be opened by referencing a previously signed account signature form. Referencing means that a new account will be opened, and a new account signature form created, based on your current instructions and your signature on a previous account signature form. Individually owned accounts may be opened by referencing an account signature form that you previously signed creating an individual or joint account. Jointly owned accounts (all of which have the right of survivorship) may be opened referencing an account signature form that you previously signed, provided the joint ownership on the referenced account signature form is the same as the joint ownership on the new joint account. Any joint owner may request to open a joint account with the same joint ownership by referencing a previously signed account signature form. Not all accounts can be opened by referencing a previously signed account signature agreement. For example, you must sign a new account signature agreement to open an IRA. Statutory Lien; Right of Setoff; Security Interest Statutory Lien: When you open an account, you grant LGFCU a statutory lien on the shares, deposits and accumulated dividends in your jointly and individually owned accounts to the extent of any amounts owed to LGFCU at any time. If you fail to satisfy a financial obligation due and payable to LGFCU, we may enforce the statutory lien without further notice to you, except where prohibited by law. Right of Setoff: We may, without prior notice, set off all the shares, deposits and accumulated dividends in your jointly and individually owned accounts against any due and payable amount you owe us now or in the future, except where prohibited by law. Security Interest: You assign, pledge and grant LGFCU a security interest in all shares and deposits, and earnings on shares and deposits, which you now have or may have in the future, at LGFCU as security for any indebtedness now owing or arising with LGFCU in the future, except where prohibited by law and for indebtedness which is itself secured by your residential real estate. We may exercise or enforce our statutory lien, right of setoff, or security interest against any account at any time, and each shall survive the death of the account holder. We will not, however, exercise or enforce our statutory lien, right of setoff or security interest where prohibited by applicable law (including the Military Lending Act).