Active Military Members and Dependents. To the extent that any terms or conditions in this Membership Agreement and Disclosures are different from the terms in any Military Lending Act Disclosure provided to you with regard to any particular loan, the Military Lending Act Disclosure shall govern.
Active Military Members and Dependents. Any terms or conditions herein contrary to the Military Lending Act (“MLA”) are void for the period(s) during which you are entitled to the protections of the MLA. Please also note that the terms of this Agreement and the Rate and Fee Schedule may change from time to time as provided for in this Agreement and applicable laws. INTRODUCTION This Booklet and the Rate and Fee Schedule ("Schedule") explain the rules which govern your account(s) and account services with us. Please read this Booklet and the Schedule carefully and keep them in a safe and convenient place.
Active Military Members and Dependents. During periods of time which you are entitled to the protections of the MLA, any requirements, restrictions, policies, terms or conditions contained within this agreement which is specified in the Military Lending Act (“MLA”) are void for those period(s). Inactive or Dormant Accounts. If your account falls below any applicable minimum balance and you have not made any transactions over a period specified in the Fee Schedule, we may classify your account as inactive, abandoned or dormant. Unless prohibited by applicable law, we may charge a service fee for processing your inactive account. You authorize us to transfer funds from another account of yours to cover any service fees. To the extent allowed by law, we reserve the right to transfer the account funds to a general Credit Union account and to suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with applicable state law. Once funds have been turned over to the state, we have no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency.
Active Military Members and Dependents. Any terms, conditions or provisions herein, or in any other agreement, document or disclosure, contrary to the Military Lending Act (“MLA”) are void for the period(s) during which you are entitled to the protections of the MLA. COMPLAINT NOTICE If you have a problem with the services provided by this credit union, please contact us at: EECU PO Box 1777 Fort Worth, TX 76101 (000) 000-0000 or xxxxxxx0@xxxx.xxx The credit union is incorporated under the laws of the State of Texas and is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at 914 East Xxxxxxxx Xxxx, Austin, Texas, 00000-0000, Telephone number: (000) 000-0000, Fax Number: (000) 000-0000; Website: xxx.xxx.xxxxx.xxx, email: xxxxxxxxx@xxxx.xxxxx.xx. TYPES OF ACCOUNTS SINGLE PARTY ACCOUNT – A single party account is an account owned by one member. Upon the death of the account owner, all sums in the account will pass, subject to applicable law, to the decedent’s estate or Payable on Death (POD) beneficiary. MULTIPLE PARTY ACCOUNT WITH RIGHT OF SURVIVORSHIP – A multiple party account with right of survivorship is an account owned by two or more persons. On the death of one party to the account, all sums in such account on the date of the death shall vest in and belong to the surviving party(s) as his or her separate property and estate and shall be subject to withdrawal or receipt by the surviving party(s). Unless otherwise agreed, all funds deposited into a multiple party account, including any earnings thereon, shall be owned by you jointly, with all who sign the Account Application with the right of survivorship. Payment to the surviving party(s) shall be valid and discharge us from any and all liability for such payments. We make no representation concerning the effectiveness of these survivorship rights and you understand that you should consult with your attorney regarding the validity, effectiveness and fitness of such survivorship designation.
Active Military Members and Dependents. Any terms, conditions or provisions herein, or in any other agreement, document or disclosure, contrary to the Military Lending Act (“MLA”) are void for the period(s) during which you are entitled to the protections of the MLA.
Active Military Members and Dependents. Any terms or conditions herein contrary to the Military Lending Act (“MLA”) are void for the period(s) during which you are entitled to the protections of the MLA.
Active Military Members and Dependents. To the extent that any terms or conditions in this Agreement are different from the terms and conditions in any Military Lending Act Disclosure and Addendum (“MLA Disclosure”) provided to you with regard to any particular loan, the MLA Disclosure shall govern. Please also note that the terms of this Agreement may change from time to time as provided for in this Agreement and applicable laws.
Active Military Members and Dependents. Any terms or conditions herein contrary to the Military Lending Act are void for the period(s) during which you are entitled to the protections of the MLA. Federally Insured by NCUA Member Agreement and Disclosures 000 Xxxx Xxxxxx · Bangor, ME 00000 000-000-0000 · Fax 000-000-0000 000 Xxxx Xxxxxx · P.O. Box 434 · Old Town, ME 00000 000-000-0000 · Fax 000-000-0000 00 Xxxxxx Xxxxxx · Xxxxxxx, ME 00000 000-000-0000 · Fax 000-000-0000 Audio Response Line: 000-000-0000 xxx.xxxxxxxxxxxxxxxxxx.xxx Rev. 04/18
Active Military Members and Dependents. Any terms or conditions herein contrary to the provisions of the Military Lending Act (“MLA”) are void for the period(s) during which you are a covered borrower under the MLA. Please also note that the terms of this Agreement and the Rate and Fee Schedule may change from time to time as provided for in this Agreement and applicable laws. BINDING ARBITRATION: EXCEPT AS SPECIFICALLY PROVIDED HEREIN, THIS ARBITRATION PROVISION SUBSTANTIALLY LIMITS YOUR RIGHT TO BRING A LEGAL ACTION IN A JUDICIAL FORUM (EXCEPT FOR MATTERS THAT MAY BE BROUGHT IN SMALL CLAIMS COURT AS SET FORTH IN THIS AGREEMENT. PLEASE READ THIS SECTION CAREFULLY. THE PARTIES WILL NOT HAVE A RIGHT TO HAVE A JUDGE OR JURY DECIDE ANY CLAIM OR DISPUTE; AND THE ABILITY TO APPEAL IS LIMITED IN AN ARBITRATED MATTER HEREUNDER. ANY DISPUTES WILL BE DECIDED BY A NEUTRAL ARBITRATOR. FURTHER, NEITHER PARTY NOR ANYONE ON THEIR BEHALF CAN PURSUE ANY CLAIM OR DISPUTE IN ANY CLASS OR REPRESENTATIVE CAPACITY. IT IS THE INTENT OF THE PARTIES HERETO TO PROVIDE A FUNDAMENTALLY FAIR AND LESS COSTLY FORUM TO ADDRESS ANY DISPUTES BETWEEN THE PARTIES; AND THE PARTIES SPECIFICALLY AGREE TO THIS ALTERNATIVE METHOD OF DISPUTE RESOLUTION AS AN INTEGRAL PART OF THE RELATIONSHIP BETWEEN THE PARTIES. SEE PARAGRAPH 19 OF THE MEMBERSHIP SECTION FOR COMPLETE DETAILS.
