Common use of Stop Payment Orders Clause in Contracts

Stop Payment Orders. If you don t want us to pay a specific written instrument such as a personal check, you can ask us to place a Stop Payment Order or (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Schedule. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) days, your SPO will expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of six (6) months. Alternately, the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO for an additional six (6) months, you must deliver to us an additional written request as described above. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument such as a personal check, you can ask us to place a “Stop Payment Order or Order” (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee a teller, member service representative or branch manager of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. If this is a multiple party account, we will accept an SPO from any owner regardless of who signed the instrument or otherwise authorized the Transaction Only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Schedule, which sum may be transferred by us from any owner’s account(s) or paid directly to the Credit Union. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) days, your SPO will expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of six (6) months. AlternatelyFurther, you agree that the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO for an additional six (6) months, you must deliver to us an additional written request as described above. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.six

Stop Payment Orders. If you don t do not want us the Credit Union to pay a specific written instrument such as a personal check, or ACH debit you can ask us to place a Stop Payment Order or (“SPO”) on the instrument. You can notify us by mail, via online banking, by telephone, electronically, or in person. Any such instruction must be given to an a teller, member service representative, branch manager, or other eligible employee of the Credit Union. Your SPO will take effect when we record it on your account. A For checks, the SPO will not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. For ACH debits, the SPO must be received at least three (3) business days before the scheduled date of the transfer. The SPO will not be valid and binding on us unless your SPO includes your account number, date, and the exact amount of the item, as well as the number of the item or originator of the ACH debit. If we receive incorrect or incomplete information, we will not be responsible for failing to stop payment on the check, draft or ACH. In addition, we must receive sufficient advance notice of the SPO to allow us to a reasonable opportunity to act on it. Only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Fee Schedule. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) calendar days, your SPO will expire expire, and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of thirty-six (636) months. Alternately, the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of thirty-six (636) months. To extend the SPO for an additional thirty-six (636) months, you must deliver to us an additional written request as described above. However, for ACH debits, the SPO will be effective for an indefinite period of time unless revoked by you in writing. We are not required to notify you when a SPO expires. The Credit Union will not be responsible for any loss as a result of honoring a check: check (1) more than fourteen (14) calendar days after receipt of your oral order to stop payment; (2) more than thirty-six (636) months after your written order to stop payment, our written confirmation, or more than thirty-six (636) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Membership Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's ’s check, teller's teller check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. If we recredit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against the payee or other holders of the item to the Credit Union, and to assist the Credit Union in legal action taken against the person. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order. If you seek to return any cashier’s check or like item after it is reissued to you or another, then you agree that we may treat such items as “lost, stolen or destroyed” under the Uniform Commercial Code § 3-312 and reimbursement may not be made for ninety-one (91) days from the date issued.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument such as a personal check, you can ask us to place a “Stop Payment Order or Order” (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee a teller, member service representative or branch manager of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Schedule. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) days, your SPO will expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of six (6) months. Alternately, the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO for an additional six (6) months, you must deliver to us an additional written request as described above. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.

Stop Payment Orders. If you don t do not want us the Credit Union to pay a specific written instrument such as a personal check, you can ask us to place a Stop Payment Order or (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your the SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only the person placing the SPO may release the SPO. We will charge you All stop payment requests are subject to payment of a service charge for any SPO fee as set forth in the Schedule. If We may require you give an oral SPO that is not confirmed to put the request in writing by you or and send it to us within fourteen (14) business days. If we require you to confirm your oral request in writing and you fail to do so, your SPO oral request will expire and the instrument may thereafter be paid by usterminate fourteen (14) business days after it is made. If you provide written confirmation, your SPO will be effective for a period of six (6) months. AlternatelyAlternatively, the Credit Union, Union in its sole discretion, discretion may confirm any oral SPO in writing by sending a notice to the address shown in our records, records but has no obligation to do so. Such You acknowledge and agree that an indefinite SPO may affect future transactions and agree to be fully and solely responsible and liable for any such SPO that you order. For instance, if you use your checks through Check Number 9999, you may re-order checks that start over at the number of the first item you drafted. Thus, you may have written confirmation by us Check Number 101 on which you placed a SPO ten (10) years previously. When you re-order new checks after using them through Number 9999, the series starts over and in the tenth year of your account, the indefinite SPO will also be effective for a period of six (6) monthsapply to the old check number 101 as well as the new check also numbered 101 that is written this year. To extend It is your obligation to release the SPO for an additional six (6) months, you must deliver or to us an additional written request take steps not to re-use a check number or other transaction data that is the subject of any SPO in order to avoid application of your SPO to all checks that bear the same number as described aboveherein, or other transaction types that may be subject to such SPO. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (42) if you fail to provide us with complete or accurate information; or (53) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's ’s check, teller's ’s check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument such as a personal check, you can ask us to place a “Stop Payment Order or Order” (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee a teller, member service representative or branch manager of the Credit Union. Your SPO After we have had a reasonable opportunity to act upon your SPO, it will take effect when we record it on your account. A SPO will not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only At its discretion, the Credit Union may require that only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Schedule. If you give an oral SPO that SPO, we have no obligation to honor it. If we do honor an oral stop payment order, which is not confirmed in writing by you or us within fourteen (14) days, your SPO will expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of six (6) months. Alternately, the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO for an additional six (6) months, you must deliver to us an additional written request as described above. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement You may not be made for 91-days for stop payment of transactions initiated through the date issueduse of an ATM card, debit card or similar device at an ATM or at point of sale. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. Insufficient Funds: You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order. Cashier’s Checks: If you seek to return any cashier’s check or like item after it is issued to you or another, then you agree we may treat such items as “lost, stolen or destroyed” under the Uniform Commercial Code and reimbursement may not be made for 91-days from the date issued. For information concerning your right to stop payment of preauthorized electronic funds transfers, please refer to the Electronic Funds Transfer Disclosures which appear on page 15.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument Instrument such as a personal check, you can ask us to place a “Stop Payment Order or (“SPO”) Pay- ment Order” on the instrumentInstrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee of the Credit Union. Your SPO Stop Payment Order will take effect when we record it on your account, unless check is in transit. A SPO Stop Payment Order will not be valid and binding on us unless your SPO Stop Payment Order includes your account number, the number and date of the written instrument, the name(s) of the payee(s)check number, and as required, other identifying information. If this is a multiple party account, we will accept a Stop Payment Order from any Owner regardless of who signed the exact amount of Instrument or otherwise authorized the instrumentTransaction. Only the person placing the SPO Stop Payment Order may release the SPObe released by any account Owner. We will charge you a service charge for any SPO Stop Payment Order as set forth in the Schedule, which sum may be transferred by us from any Owner’s account(s) or paid directly to the Credit Union. If you give an oral SPO Stop Payment Order that is not confirmed in writing by you or us within fourteen (14) days, your SPO Stop Payment Order will expire and the instrument Instrument may thereafter be paid by us. If you provide written confirmation, your SPO Stop Payment Order will be effective for a period of six (6) months. AlternatelyFurther, you agree that the Credit Union, in its sole discretion, may confirm any oral SPO Stop Payment Order in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO Stop Payment Order for an additional six (6) months, you must deliver to us an additional written request that provides all of the information required for an initial Stop Payment Order as described aboveabove in this paragraph. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.:

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument Instrument such as a personal check, you can ask us to place a “Stop Payment Order or (“SPO”) Order” on the instrumentInstrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee of the Credit Union. Your SPO Stop Payment Order will take effect when we record it on your account, unless check is in transit. A SPO Stop Payment Order will not be valid and binding on us unless your SPO Stop Payment Order includes your account number, the number and date of the written instrument, the name(s) of the payee(s)check number, and as required, other identifying information. If this is a multiple party account, we will accept a Stop Payment Order from any Owner regardless of who signed the exact amount of Instrument or otherwise authorized the instrumentTransac- tion. Only the person placing the SPO Stop Payment Order may release the SPObe released by any account Owner. We will charge you a service charge for any SPO Stop Payment Order as set forth in the Schedule, which sum may be transferred by us from any Owner’s account(s) or paid directly to the Credit Union. If you give an oral SPO Stop Payment Order that is not confirmed in writing by you or us within fourteen (14) days, your SPO Stop Payment Order will expire and the instrument Instrument may thereafter be paid by us. If you provide written confirmation, your SPO Stop Payment Order will be effective for a period of six (6) months. AlternatelyFurther, you agree that the Credit Union, in its sole discretion, may confirm any oral SPO Stop Payment Order in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO Stop Payment Order for an additional six (6) months, you must deliver to us an additional written request that provides all of the information required for an initial Stop Payment Order as described aboveabove in this paragraph. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.:

Stop Payment Orders. If you don t do not want us the Credit Union to pay a specific written instrument such as a personal check, you can ask us to place a Stop Payment Order or (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your the SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only the person placing the SPO may release the SPO. We will charge you All stop payment requests are subject to payment of a service charge for any SPO fee as set forth in the Schedule. If We may require you give an oral SPO that is not confirmed to put the request in writing by you or and send it to us within fourteen (14) business days. If we require you to confirm your oral request in writing and you fail to do so, your SPO oral request will expire and the instrument may thereafter be paid by usterminate fourteen (14) business days after it is made. If you provide written confirmation, your SPO will be effective for a an indefinite period of six (6) monthstime. AlternatelyAlternatively, the Credit Union, Union in its sole discretion, discretion may confirm any oral SPO in writing by sending a notice to the address shown in our records, records but has no obligation to do so. Such You acknowledge and agree that an indefinite SPO may affect future transactions and agree to be fully and solely responsible and liable for any such SPO that you order. For instance, if you use your checks through Check Number 9999, you may re-order checks that start over at the number of the first item you drafted. Thus, you may have written confirmation by us Check Number 101 on which you placed a SPO ten (10) years previously. When you re-order new checks after using them through Number 9999, the series starts over and in the tenth year of your account, the indefinite SPO will also be effective for a period of six (6) monthsapply to the old check number 101 as well as the new check also numbered 101 that is written this year. To extend It is your obligation to release the SPO for an additional six (6) months, you must deliver or to us an additional written request take steps not to re-use a check number or other transaction data that is the subject of any SPO in order to avoid application of your SPO to all checks that bear the same number as described aboveherein, or other transaction types that may be subject to such SPO. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (42) if you fail to provide us with complete or accurate information; or (53) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's ’s check, teller's ’s check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.

Stop Payment Orders. If you don t do not want us the Credit Union to pay a specific written instrument such as a personal check, you can ask us to place a Stop Payment Order or (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your the SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only the person placing the SPO may release the SPO. We will charge you All stop payment requests are subject to payment of a service charge for any SPO fee as set forth in the Schedule. If We may require you give an oral SPO that is not confirmed to put the request in writing by you or and send it to us within fourteen (14) business days. If we require you to confirm your oral request in writing and you fail to do so, your SPO oral request will expire and the instrument may thereafter be paid by usterminate fourteen (14) business days after it is made. If you provide written confirmation, your SPO will be effective for a period of six (6) months. AlternatelyAlternatively, the Credit Union, Union in its sole discretion, discretion may confirm any oral SPO in writing by sending a notice to the address shown in our records, records but has no obligation to do so. Such You acknowledge and agree that an indefinite SPO may affect future transactions and agree to be fully and solely responsible and liable for any such SPO that you order. For instance, if you use your checks through Check Number 9999, you may re-order checks that start over at the number of the first item you drafted. Thus, you may have written confirmation by us Check Number 101 on which you placed a SPO ten (10) years previously. When you re-order new checks after using them through Number 9999, the series starts over and in the tenth year of your account, the indefinite SPO will also be effective for a period of six (6) monthsapply to the old check number 101 as well as the new check also numbered 101 that is written this year. To extend It is your obligation to release the SPO for an additional six (6) months, you must deliver or to us an additional written request take steps not to re-use a check number or other transaction data that is the subject of any SPO in order to avoid application of your SPO to all checks that bear the same number as described aboveherein, or other transaction types that may be subject to such SPO. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (42) if you fail to provide us with complete or accurate information; or (53) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's ’s check, teller's ’s check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument such as a personal check, you can ask us to place a “Stop Payment Order or Order” (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee a teller, member service representative or branch manager of the Credit Union. Your SPO will take effect when we record it on your account. A An SPO will may not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only If this is a multiple party account, we will accept a SPO from any owner regardless of who signed the person placing instrument or otherwise authorized the SPO may release the SPOTransaction. We will may charge you a service charge for any SPO as set forth in the Schedule, which sum may be transferred by us from any owner’s account(s) or paid directly to the Credit Union. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) days, your SPO will may expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a an indefinite period of six (6) monthstime. AlternatelyFurther, you agree that the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a an indefinite period of six (6) monthstime. To extend You acknowledge and agree that an indefinite SPO may affect future transactions, and agree to be fully and solely responsible and liable for any such SPO that you order. For instance, if you use your checks through Check Number 9999, you may re- order checks that start over at the number of the first item you drafted. Thus, you may have written Check Number 101 on which you placed an SPO ten years previous. When you re- order new checks after using them through Number 9999, the series starts over and in the tenth year of your account the indefinite SPO will also apply to the old check number 101 as well as the new check also numbered 101 that is written this year. It is solely your obligation to release the SPO for an additional six (6) months, you must deliver or to us an additional written request take steps not to re-use a check number or other transaction data that is the subject of any SPO in order to avoid application of your SPO to all checks that bear the same number as described aboveherein, or other transaction types that may be subject to such an SPO. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; or (43) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's ’s check, teller's ’s check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. This means that you are required to reimburse us for any loss or damages and reasonable costs, expenses or attorneys fees that we incur in defending the Credit Union against any claims or demands made against us as a result of following your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall may be subject to a service charge for return of an NSF insufficient funds item rather than the service charge for a stop payment order. If available, any stop payment order we receive by electronic mail or by similar means shall be treated as a written order.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument such as a personal check, you can ask us to place a “Stop Payment Order or Order” (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given in writing and delivered to an employee of the Credit Uniona credit union employee. Your SPO will take effect when we record it on your account. A An SPO will not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrumentinstrument and your signature. Only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Schedule. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) days, your SPO will expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of six (6) months. Alternately, the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO for an additional six (6) months, you must deliver to us an additional written request as described above. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop paymentSPO; (2) more than six (6) months after your written order to stop paymentSPO, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment SPO on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment orderSPO. Insufficient Funds: You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order. Teller’s Checks: If you seek to return any Teller’s check or like item after it is issued to you or another, then you agree we may treat such items as “lost, stolen or destroyed” under the Uniform Commercial Code and reimbursement may not be made for 91-days from the date issued.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument such as a personal check, you can ask us to place a “Stop Payment Order or Order” (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee a teller, member service representative or branch manager of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Schedule. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) days, your SPO will expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of six (6) months. AlternatelyFurther, you agree that the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO for an additional six (6) months, you must deliver to us an additional written request that provides all of the information required for an initial SPO as described aboveabove in this paragraph. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; or (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. This means that you are required to reimburse us for any loss or damages and reasonable costs, expenses or attorneys' fees that we incur in defending the Credit Union against any claims or demands made against us as a result of following your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF insufficient funds item rather than the service charge for a stop payment order. If available, any stop payment order we receive by electronic mail or by similar means shall be treated as a written order.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument such as a personal check, you can ask us to place a “Stop Payment Order or Order” (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee a teller, member service representative or branch manager of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. If this is a multiple party account, we will accept an SPO from any owner regardless of who signed the instrument or otherwise authorized the Transaction Only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Schedule, which sum may be transferred by us from any owner’s account(s) or paid directly to the Credit Union. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) days, your SPO will expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of six (6) months. AlternatelyFurther, you agree that the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO for an additional six (6) months, you must deliver to us an additional written request as described above. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's ’s check, teller's ’s check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. This means that you are required to reimburse us for any loss or damages and reasonable costs, expenses or attorneys’ fees that we incur in defending the Credit Union against any claims or demands made against us as a result of following your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order. If available, any stop payment order we receive by electronic mail or by similar means shall be treated as an oral order.

Stop Payment Orders. If you don t don’t want us to pay a specific written instrument such as a personal check, you can ask us to place a “Stop Payment Order or Order” (“SPO”) on the instrument. You can notify us by mail, telephone, electronically, or in person. Any such instruction must be given to an employee a teller, member service representative or branch manager of the Credit Union. Your SPO will take effect when we record it on your account. A SPO will not be valid and binding on us unless your the SPO includes your account number, the number and date of the written instrument, the name(s) of the payee(s), and the exact amount of the instrument. Only the person placing the SPO may release the SPO. We will charge you a service charge for any SPO as set forth in the Schedule. If you give an oral SPO that is not confirmed in writing by you or us within fourteen (14) days, your SPO will expire and the instrument may thereafter be paid by us. If you provide written confirmation, your SPO will be effective for a period of six (6) months. Alternately, the Credit Union, in its sole discretion, may confirm any oral SPO in writing by sending a notice to the address shown in our records, but has no obligation to do so. Such written confirmation by us will also be effective for a period of six (6) months. To extend the SPO for an additional six (6) months, you must deliver to us an additional written request as described above. The Credit Union will not be responsible for any loss as a result of honoring a check: (1) more than fourteen (14) days after receipt of your oral order to stop payment; (2) more than six (6) months after your written order to stop payment, our written confirmation, or more than six (6) months after a written extension as provided herein; (3) through inadvertence, oversight or accident, we honor any postdated check; (4) if you fail to provide us with complete or accurate information; (5) or fail to meet your obligations as noted in this section or otherwise in this Agreement. We have no obligation to accept any order to stop payment on any certified check, cashier's check, teller's check or other instrument guaranteed by us. CASHIER S CHECKS: items as Code and reimbursement may not be made for 91-days for the date issued. You will be responsible to the Credit Union if any claim or demand is made against us as a result of our acting in accordance with your stop payment order. You agree that any stop payment order received when you do not have sufficient funds on deposit in your account to cover the item on which you are requesting us to stop payment shall be subject to a service charge for return of an NSF item rather than the service charge for a stop payment order.six