Common use of Membership Eligibility Clause in Contracts

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union Bylaws. You authorize us to check your account, credit, and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. Individual Accounts. An individual account is an account owned by one depositor, including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rights. Joint Accounts. An account owned by two or more persons is a joint account. Additional joint owners are owners on all accounts except IRAs. Rights of Survivorship. Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication process, a joint account includes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Account Owners. Any joint account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union Bylaws. You authorize us to check your account, credit, and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. Individual Accounts. An individual account is an account owned by one depositor, including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account ownerdecedent's estate or Payable payable on Death death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rightsif applicable. Joint Accounts. An A joint account is an account owned by two (2) or more persons is persons. A joint account including POD and trust accounts, are subject to the Multiple Party Deposit Account Act, N.J.S.A.17:161-1 et seq. (P.L. 1979, C.491). The credit union shall have no liability for payments made pursuant to the Act. Each owner has a joint present right to payment from the account. Additional joint owners are owners on all accounts except IRAs. Rights of Survivorship. Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication process, a joint account includes rights of survivorship. This means that when one (1) Each owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to owns his or her estate. A surviving owner’s interest is subject net contribution to the Credit Union’s statutory lien for account. Absent proof of net contribution or a specific agreement to the deceased owner’s obligations and to any security interest or pledge granted by a deceased ownercontrary, even if a surviving owner did not consent to iteach party will own an equal share of the account. Rights of Joint Business Account Owners. Any joint business account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds shares of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court Court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in join the Credit Union you must be an individual or entity qualifying within meet the membership requirements including purchase and maintenance of at least one (1) share (“membership share”) also known hence forward as savings minimum balance as set forth in the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union ’s Bylaws. You authorize us to check your account, credit, and employment credit history and obtain a credit report employment, in addition to obtaining reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you requestrequest at the Credit Union. Individual Accounts. An individual SINGLE-PARTY ACCOUNTS A single-party account is an account owned by one depositor, including any member (individual, corporation, partnership, trust, trust or other organization organization) qualified for Credit Union credit union membership. If the account is an individual accountac- count owner dies, the interest of a deceased individual owner will passpasses, subject to applicable law, to the account owner's decedent’s estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's ’s agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rights’s death. Joint Accounts. MULTIPLE-PARTY ACCOUNTS An account owned by two or more persons is a multiple-party account. Each named ac- count owner will have equal powers with respect to your joint account. Additional joint owners are owners on all accounts except IRAs. MULTIPLE-PARTY ACCOUNT DEFINITIONS Rights of Survivorship. : Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication processCard, a joint multiple-party account includes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint multiple-party account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Account Owners. Any joint account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union Bylaws. You authorize us to check your account, credit, and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. Individual Accounts. An individual account is an account owned by one depositor, including any individual, corporation, partnership, trust, partnership or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rights. Joint Accounts. An account owned by two or more persons is a joint account. Additional joint owners are owners on all accounts except IRAs. Rights of Survivorship. Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication process, a joint account includes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Account Owners. Any joint account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in the Credit Union Union, you must be an individual or entity qualifying within the Credit Union's ’s field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), membership and must purchase and maintain at least one share with a par value of $5 (the Membership Share Account) as required by the Credit Union Union’s Bylaws. More than one member can maintain their membership in one share account with a par value of $5 per member. You authorize us to check your account, credit, and employment history history, and obtain a credit report consumer reports from third parties, including credit reporting agencies, to verify your identity as required by federal law, as well as eligibility for the accounts and services you request. Individual Accounts. An individual account is an account owned by one depositor, depositor including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account owner's decedent’s estate or Payable payable on Death death (“POD”) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rightsif applicable. Joint Accounts. An account owned by two or more persons is a joint account. Additional Any account in which you request joint owners are owners on all accounts except IRAs. ownership with another party will be an individual account until the Credit Union receives an Account Card signed by you and the joint owner(s), at which time the account will be a jointly owned account and the following joint ownership rights will apply: Rights of Survivorship. Unless If your account is a joint account, the account is owned as a joint account with rights of survivorship unless otherwise stated on the Account Card or documented through Card. If the Credit Union’s online application and authentication process, account is a joint account includes rights without right of survivorship. This means that when one (1) , the interest of a deceased owner dies, all sums in the account will pass to the surviving owner(s)decedent’s estate. For If the account is a joint account without rights with right of survivorship, upon the deceased ownerdeath of one of the joint account owners, that person’s interest passes to his or her estatewill become the property of the surviving joint account owners. A The surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations obligations, and to any security interest or pledge granted by a the deceased owner, even if a the surviving owner did not consent to it. Rights of Joint Account Owners. Any joint account owner is authorized and deemed to act for the other owner(s) and the ). The Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the accountaccount (excluding funds representing membership share of another), stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds shares of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). A security interest in account funds granted by one owner will continue in effect after that owner’s death, and takes priority over the survivorship interest of other owners. If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court Court order to act, act or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawnover-drawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, amount and any charges and transactioncharges, regardless of who created the overdraft, deposited or cashed the item, item or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account account(s) regardless of who contributed the funds to the joint account. Changes in account ownership such as adding or removing a joint account owner, must be evidenced by written instruction which, upon execution, will be incorporated herein by this reference.

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Employer Identification Number (TIN)EIN) or if a foreign member, a properly completed W- 8BEN, and must purchase and maintain at least one share as required by Credit Union Bylaws. You authorize us to check your account, credit, and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. Individual Accounts. An individual account is an account owned by one depositor, including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rights. Joint Business Accounts. An account owned by two or more persons sole proprietors is a joint business account. Additional joint owners are owners on all accounts except IRAs. Rights of Survivorship. Unless otherwise stated All joint accounts are “Joint account with survivorship,” meaning on the Account Card or documented through death of an owner of the Credit Union’s online application and authentication process, a joint account includes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorshipaccount, the deceased owner’s interest in the account passes to his or her estatethe surviving owner(s) of the account. A surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Business Account Owners. Any joint business account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's ’s field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union Bylaws. You authorize us to check your account, credit, and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. Individual Accounts. An individual account is an account owned by one depositor, including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account owner's decedent’s estate or Payable payable on Death death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rightsif applicable. Joint Accounts. An A joint account is an account owned by two (2) or more persons is persons. A joint account including POD and trust accounts, are subject to the Multiple Party Deposit Account Act, N.J.S.A.17:161- 1 et seq. (P.L. 1979, C.491). The credit union shall have no liability for payments made pursuant to the Act. Each owner has a joint present right to payment from the account. Additional joint owners are owners on all accounts except IRAs. Rights of Survivorship. Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication process, a joint account includes rights of survivorship. This means that when one (1) Each owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to owns his or her estate. A surviving owner’s interest is subject net contribution to the Credit Union’s statutory lien for account. Absent proof of net contribution or a specific agreement to the deceased owner’s obligations and to any security interest or pledge granted by a deceased ownercontrary, even if a surviving owner did not consent to iteach party will own an equal share of the account. Rights of Joint Business Account Owners. Any joint business account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds shares of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court Court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in join the Credit Union you must be an individual or entity qualifying within meet the membership requirements including purchase and maintenance of at least one (1) share (“membership share”) also known hence forward as savings minimum balance as set forth in the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union ’s Bylaws. You authorize us to check your account, credit, and employment credit history and obtain a credit report employment, in addition to obtaining reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you requestrequest at the Credit Union. Individual Accounts. An individual SINGLE-PARTY ACCOUNTS A single-party account is an account owned by one depositor, including any member (individual, corporation, partnership, trust, trust or other organization organization) qualified for Credit Union credit union membership. If the account is an individual accountowner dies, the interest of a deceased individual owner will passpasses, subject to applicable law, to the account owner's decedent’s estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's ’s agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rights’s death. Joint Accounts. MULTIPLE-PARTY ACCOUNTS An account owned by two or more persons is a multiple-party account. Each named account owner will have equal powers with respect to your joint account. Additional joint owners are owners on all accounts except IRAs. MULTIPLE-PARTY ACCOUNT DEFINITIONS Rights of Survivorship. : Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication processCard, a joint multiple-party account includes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint multiple-party account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Account Owners. Any joint account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union Bylaws. You authorize us to check your account, credit, and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. In addition to obtaining your credit report information for purposes of the current account/loan application, you also expressly authorize us to use your credit report for the purpose of determining your eligibility for other loan products and services and communicating such eligibility to you. Individual Accounts. An individual account is an account owned by one depositor, including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account ownerdecedent's estate or Payable payable on Death death (POD) beneficiary/payee or trust beneficiary, if applicable and subject to other provisions of this agreement the Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's ’s agent prior to notice of an owner's ’s death and to any security interest or pledge granted by the account owner owner, and subject to our statutory lien rights. Joint Accounts. An A joint account is an account owned by two (2) or more persons is persons. Each owner has a joint present right to payment from the account. Additional joint owners are owners on all accounts except IRAsEach owner owns his or her net contribution to the account. Absent proof of net contribution or a specific agreement to the contrary, each party will own an equal share of the account. Rights of Survivorship. Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication processIf your account is a joint account, you can elect to a joint account includes with rights of survivorship or without rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without With rights of survivorship, upon the deceased owner’s death of one of the joint account owners, that person's interest passes to his or her estatewill become the property of the surviving joint account owners. Without rights of survivorship, upon the death of one of the joint account owners, that person's interest will become the property of the designated P.O.D if one has been made. A surviving owner’s interest is subject to the Credit Union’s our statutory lien for the deceased owner’s obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Account Owners. Any joint account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature or authenticated request of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). We reserve the right to require written consent of all owners for any change to or termination of an account. If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's ’s field of membership, membership and you must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share satisfy the membership qualifications as required by the Credit Union Union’s Bylaws. You authorize us to check your account, creditfinancial information data, and employment history and obtain about you by any means allowed by law, including obtaining a credit report or credit score from third parties, including credit any consumer reporting agencies, agency to verify your eligibility for the any accounts and services we offer or you request. Members with an unacceptable credit record or history of writing “non-sufficient funds” checks may not be eligible to open or maintain an account. Individual Accounts. Accounts An individual account is an account owned by one depositor, depositor including any individual, corporation, partnership, trust, or other organization individual person qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account ownerdecedent's estate or Payable payable on Death death (“POD”) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rightsif applicable. Joint Accounts. Accounts An account owned by two or more persons is a joint account. Additional joint owners are owners on all accounts except IRAsaccount and governed by the Multiple Party Account Law. Rights of Survivorship. Unless otherwise stated on Survivorship If your account is a joint account, the Account Card or documented through the Credit Union’s online application and authentication process, account is owned as a joint account includes rights with right of survivorship. This means Upon the death of one of the joint account owners, that when one (1) owner dies, all sums in person's interest will become the account will pass to property of the surviving joint account owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Account Owners. Owners Any joint account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds shares of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in join the Credit Union you must be an individual or entity qualifying within meet the membership requirements including purchase and maintenance of at least one (1) share (“membership share”) also known hence forward as savings minimum balance as set forth in the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union ’s Bylaws. You authorize us to check your account, credit, and employment credit history and obtain a credit report employment, in addition to obtaining reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you requestrequest at the Credit Union. Individual Accounts. An individual SINGLE-PARTY ACCOUNTS A single-party account is an account owned by one depositor, including any member (individual, corporation, partnershippartner- ship, trust, trust or other organization organization) qualified for Credit Union credit union membership. If the account is an individual accountowner dies, the interest of a deceased individual owner will passpasses, subject to applicable law, to the account owner's decedent’s estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's ’s agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rights’s death. Joint Accounts. MULTIPLE-PARTY ACCOUNTS An account owned by two or more persons is a multiple-party account. Each named account owner will have equal powers with respect to your joint account. Additional joint owners are owners on all accounts except IRAs. MULTIPLE-PARTY ACCOUNT DEFINITIONS Rights of Survivorship. : Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication processCard, a joint multiple-party account includes in- cludes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint multiple-party account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations obligations, and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Account Owners. Any joint account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union Bylaws. You authorize us to check your account, credit, and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. Individual Accounts. An individual account is an account owned by one depositor, including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account ownerdecedent's estate or Payable payable on Death death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rightsif applicable. Joint Accounts. An A joint account is an account owned by two (2) or more persons is persons. A joint account including POD and trust accounts, are subject to the Multiple Party Deposit Account Act, N.J.S.A.17:161-1 et seq. (P.L. 1979, C.491). The credit union shall have no liability for payments made pursuant to the Act. Each owner has a joint present right to payment from the account. Additional joint owners are owners on all accounts except IRAs. Rights of Survivorship. Unless otherwise stated on the Account Card or documented through the Credit Union’s online application and authentication process, a joint account includes rights of survivorship. This means that when one (1) Each owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to owns his or her estate. A surviving owner’s interest is subject net contribution to the Credit Union’s statutory lien for account. Absent proof of net contribution or a specific agreement to the deceased contrary, each party will own an equal share of the account. Removal of joint owners must be done in writing by the joint owner’s obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did . Primary owners cannot consent to itremove joint owners. Rights of Joint Business Account Owners. Any joint business account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds shares of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court Court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.

Membership Eligibility. To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of membership, must have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and must purchase and maintain at least one share as required by Credit Union Bylaws. You authorize us to check your account, credit, and employment history and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. Individual Accounts. An individual account is an account owned by one depositor, including any individual, corporation, partnership, trust, or other organization qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary, subject to other provisions of this agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner's agent prior to notice of an owner's death and to any security interest or pledge granted by the account owner and subject to our statutory lien rights. Joint Accounts. An A joint account is owned by two or more persons is a joint account. Additional joint owners are owners on all accounts except IRAspersons. Rights of Survivorship. For a joint account with rights of survivorship, you intend and agree that the balance in the account, upon the death of any party to the account, shall belong to the surviving party. If there are two (2) or more surviving parties, they shall take the account as joint tenants. Unless otherwise stated on the Account Card Membership Application or documented through the Credit Union’s online application and authentication process, a joint account includes rights of survivorship. This means that when one (1) owner dies, all sums in the account will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner’s interest passes to his or her estate. A surviving owner’s interest is subject to the Credit Union’s statutory lien for the deceased owner’s obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it. Rights of Joint Account Owners. Any joint account owner is authorized and deemed to act for the other owner(s) and the Credit Union may accept orders and instructions regarding the account and requests for future services from any other account owner. Each account owner guarantees the signature of the other owners. Any account owner may terminate an account, withdraw all available funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the funds of any account, including funds representing a membership share, without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account owner(s). If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in writing to any transaction concerning the account. Joint Account Owner Liability. If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit Union for the amount of the returned item, overdraft, or unpaid amount, and any charges and transaction, regardless of who created the overdraft, deposited or cashed the item, or benefited from or initiated the transaction. A joint owner shall be responsible for returning any unused checks or access devices from any joint owner removed from the account. If any account owner is indebted to the Credit Union, the Credit Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account.