BUSINESS AGREEMENTS AND DISCLOSURESAgreement • September 17th, 2020 • New YorkThroughout these Agreements And Disclosures, the references to "We," "Us," "Our," and "Credit Union" mean CAPITAL COMMUNICATIONS FEDERAL CREDIT UNION. The words "You" and "Your" mean each person or entity applying for and/or using any of the services described herein. "Account" means any account or accounts established for You as set forth in these Agreements And Disclosures. The word "Card" means any VISA Debit Card issued to You by Us and any duplicates or renewals We may issue. Our Audio Response System is hereinafter referred to as "Automated Phone Banking." "E-Check" means any check which You authorize the payee to process electronically. For account types involving joint liability, read singular pronouns in the plural.