Common use of AGREEMENTS AND DISCLOSURES Clause in Contracts

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You you at the time You you opened Your Account your account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Accountyour account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Accountyour account. Your Agreements And Disclosures We may change any of the items of this Agreement at any time without prior notice to you if the change is favorable to you. We may make changes that are adverse to you only if we provide you with any notice required by law or required in this Agreement. When we change this Agreement, you may close the account if you do not agree to the changes; if you continue to use the account or keep the account open after the effective date of such change, you will be amended by Us from time deemed to time in a manner as prescribed by lawhave agreed to the changes. STOP PAYMENTS. You Any person who is an authorized signer on your account may ask Us us orally to stop payment on a Checkshare draft/check. For any such request to remain valid, however, You you must also supply Us us with a written request within 14 days after You you make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us us in a timely manner so that We we have a reasonable opportunity to act on Your your request. A written stop payment request is effective for six months. If at the end of six months, You you request Us us to continue to the stop payment order, that request will be treated as a new request. We are not liable if We we pay a Check share draft/check which You you have requested Us us to stop payment on as long as We we act in good faith and exercise ordinary care. In any event, any damages that We we might otherwise be liable for shall not exceed the amount of the involved Checkshare draft/check. If We we do pay a Check share draft/check for which You you have requested stop payment and as a result any other item is returned unpaid by Us us due to nonsufficient funds, We we are not liable for any consequences resulting from such action. If Your Account your account is a joint Accountaccount, any Owner owner of the Account account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You you ask Us us to stop payment on a pre-pre- authorized transfer, Your your request will be processed under the provisions of Our our Electronic Fund Transfer Agreement with Youyou. You Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. LOST, DESTROYED, OR STOLEN CERTIFIED, XXXXXXX’S, XXXXXX’S, OR CORPORATE CHECKS. Under some circumstances you may also ask Us be able to replace assert a claim for the amount of a lost, destroyed destroyed, or stolen certified, cashier's’s, teller or corporate check. To assert the claim: (a) you must be the remitter (or drawer of a certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless check) or payee of the type check, (b) we must receive notice from you describing the check with reasonable certainty and asking for payment of documentation presented the amount of the check, (c) we must receive the notice in time for us to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such it, and (d) you must give us a declaration of your loss and with the respect to the check (form supplied by us). Even if all of these conditions are met, your claim for reimbursement will may not become effective be immediately enforceable. We may pay the check until the later of: (a) the 90th ninetieth day after the date of the check (or 90th day following the date of acceptance, in the case acceptance of a certified check); or (b) . Therefore, your claim is not enforceable until the ninety first day after the date of the check or date of acceptance, and the conditions listed above have been met. If we have not already paid the check, on the day of your claim is enforceable, we become obligated to pay you the amount of the check. We will issue you another check. At our option, we may pay you the amount of the check before you claim becomes enforceable. However, we will require you to agree to indemnify us from any losses we might suffer. This means that if the check is presented after we pay your claim, and we pay the check, you are responsible to cover our losses. We may require you to provide a surety bond to assure that you can pay us if we suffer a loss. SHARE DRAFTS/CHECKS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft/check or other account access device which does not meet our standards for acceptance may be rejected by us, whether such standards are established by law, regulation or our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS/CHECKS. You understand that postdating a share draft/check will have no effect on whether or not it is honored prior to or after the date of any such share draft/check. A stale share draft/check is any share draft/check received by us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft/check, or other item presented for payment on your account without any liability. SHARE DRAFT/CHECK SAFEKEEPING. Share draft/check safekeeping is automatic on your account and your cancelled share drafts/checks will not be returned to you. You understand that cancelled share drafts/checks retained by us are later destroyed after a reasonable period of time. If you subsequently request a copy of a share draft/check and we are unable to supply it, then we shall not be liable for any damage you may sustain in excess of the face amount of the involved share draft/check. PERIODIC STATEMENTS. You will be provided with a periodic statement showing activity on your account. If you believe any statement reflects discrepancies, you must notify us of such discrepancies within 60 days from the date we mailed the statement to you. If the discrepancy noted is the result of an electronic fund transfer, then the provisions of our Electronic Transfer Agreement and you will control resolution of the matter. Failure to notify us of any discrepancies within 60 days from the date we mailed the statement to you may result in your failure to receive the declaration of loss and claim credit to your account for reimbursement together with any other required documentationaltered or unauthorized drafts.

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTSStop Payments. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You Checks and Other Account Access Devices. Any Check or other Account access device which does not meet Our standards for acceptance may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to be rejected by Us, the request must be in whether such standards are established by law, regulation or Our own policy. Postdated, Stale or Overdraft Checks. You understand that postdating a form acceptable Check will have no effect on whether or not it is honored prior to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day or after the date of the check (any such Check. A stale Check is any Check received by Us that is dated 6 months or 90th day following more prior to the date of acceptancereceipt. We may pay or refuse to pay any postdated, in the case of a certified check); stale or (b) the date We receive the declaration of loss and claim overdraft Check, or other item presented for reimbursement together with payment on Your Account without any other required documentationliability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order Request form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre- authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Services Agreement with You. You may also ask Us to replace a lost, destroyed destroyed, or stolen cashier's, teller teller, or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. POSTDATED, STALE, OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale, or overdraft share draft, or other item presented for payment on Your Account without any liability. SHARE DRAFT SAFEKEEPING. Share draft safekeeping is automatic on Your Account and Your cancelled share drafts will not be returned to You. You understand that cancelled share drafts retained by Us are later destroyed after a reasonable period of time. If You subsequently request a copy of a share draft and We are unable to supply it, then We shall not be liable for any damage You may sustain in excess of the face amount of the involved share draft. PERIODIC STATEMENTS. You will be provided with a periodic statement showing activity on Your Account. If You believe any statement reflects discrepancies, You must notify Us of such discrepancies within 60 days from the date We mailed the statement to You. If the discrepancy noted is the result of an electronic fund transfer, then the provisions of Our Electronic Fund Transfer Agreement with You will control resolution of the matter.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures and related Fee Schedule provided to You at the time You opened Your Account and referred to throughout this Agreement contain: Agreement, contain (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTSStop Payments. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Check by supplying Us with a written request within 14 days after You make any such oral requestor notifying Us through Our website. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient non-sufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized preauthorized transfer, Your request will be processed under the provisions of Our Electronic Fund Funds Transfer Agreement with You. You may Stop payment requests are also ask Us subject to replace a lost, destroyed or stolen cashier's, teller or certified check the terms and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless conditions of the type of documentation presented Order For Stop Payment form related to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on any such request. Such declaration of loss Checks and claim Other Account Access Devices. Any Check or other Account access device which does not meet Our standards for reimbursement acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. Postdated, Stale or Overdraft Checks. You understand that postdating a Check will have no effect on whether or not become effective until the later of: (a) the 90th day it is honored prior to or after the date of the check (any such Check. A stale Check is any Check received by Us that is dated 6 months or 90th day following more prior to the date of acceptancereceipt. We may pay or refuse to pay any postdated, in the case of a certified check); stale or (b) the date We receive the declaration of loss and claim overdraft Check, or other item presented for reimbursement together with payment on Your Account without any other required documentationliability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally or in writing to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral requestshare draft. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized preauthorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft, or other item presented for payment on Your Account without any liability. SHARE DRAFT SAFEKEEPING. Share draft Safekeeping is automatic on Your Account and Your cancelled share drafts will not be returned to You. You understand that cancelled share drafts retained by Us are later destroyed after a reasonable period of time. If You subsequently request a copy of a share draft and We are unable to supply it, then We shall not be liable for any damage You may sustain in excess of the face amount of the involved share draft.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You you at the time You you opened Your Account your account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Accountyour account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Accountyour account. Your Agreements And and Disclosures may be amended by Us us from time to time in a manner as prescribed by law. STOP PAYMENTSStop Payments. You may ask Us us orally to stop payment on a Checkshare draft/check. For any such request to remain valid, however, You you must also supply Us us with a written request within 14 days after You you make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us us in a timely manner so that We we have a reasonable opportunity to act on Your your request. A written stop payment request is effective for six months. If at the end of six months, You you request Us us to continue the stop payment order, that request will be treated as a new request. We are not liable if We we pay a Check share draft/check which You you have requested Us us to stop payment on as long as We we act in good faith and exercise ordinary care. In any event, any damages that We we might otherwise be liable for shall not exceed the that amount of the involved Checkshare draft/check. If We we do pay a Check share draft/check for which You you have requested stop payment and as a result any other item is returned unpaid by Us us due to nonsufficient non-sufficient funds, We we are not liable for any consequences resulting from such action. If Your Account your account is a joint Accountaccount, any Owner owner of the Account account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You you ask Us us to stop payment on a pre-authorized transfer, Your your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with Youyou. You Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. Lost, Destroyed, or Stolen Certified, Cashier’s, Xxxxxx’s, or Corporate Checks. Under some circumstances you may also ask Us be able to replace assert a claim for the amount of a lost, destroyed destroyed, or stolen certified, cashier's’s, teller or corporate check. To assert the claim: (a) you must be the remitter (or drawer of a certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless check) or payee of the type check, (b) we must receive notice from you describing the check with reasonable certainty and asking for payment of documentation presented the amount of the check, (c) we must receive the notice in time for us to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such it, and (d) you must give us a declaration of your loss and with the respect to the check (form supplied by us). Even if all of these conditions are met, your claim for reimbursement will may not become effective be immediately enforceable. We may pay the check until the later of: (a) the 90th ninetieth day after the date of the check (or 90th day following the date of acceptance, in the case acceptance of a certified check); or (b) . Therefore, your claim is not enforceable until the ninetieth day after the date of the check or date of acceptance, and the conditions listed above have been met. If we have not already paid the check, on the day of your claim is enforceable, we become obligated to pay you the amount of the check. We will issue you another check. At our option, we may pay you the amount of the check before your claim becomes enforceable. However, we will require you to agree to indemnify us from any losses we might suffer. This means that if the check is presented after we pay your claim, and we pay the check, you are responsible to cover our losses. We may require you to provide a surety bond to assure that you can pay us if we suffer a loss. Share Draft/Checks and Other Account Access Devices. Any share draft/check or other account access device which does not meet our standards for acceptance may be rejected by us, whether such standards are established by law, regulation or our own policy. Postdated, Stale or Overdraft share drafts/checks. You understand that postdating a share draft/check will have no effect on whether or not it is honored prior to or after the date of any such shared draft/check. A stale share draft/check is any share draft/check received by us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any posted, stale, or overdraft share draft/check, or other item presented for payment on your account without any liability. Check Safekeeping. Share draft/Check safekeeping is automatic on your account and your cancelled share draft/checks will not be returned to you. You understand that cancelled share draft/checks retained by us are later destroyed after a reasonable period of time. If you subsequently request a copy of a share draft/check and we are unable to supply it, then we shall not be liable for any damage you may sustain in excess of the face amount of the involved share draft/check. Periodic Statements. You will be provided with a periodic statement showing activity on your account. If you believe any statement reflects discrepancies, you must notify us of such discrepancies within 60 days from the date we mailed the statement to you. If the discrepancy noted is the result of an electronic fund transfer, then the provisions of our Electronic Fund Transfer Agreement with you will control resolution of the matter. Failure to notify us of any discrepancies within 60 days from the date we mailed the statement to you may result in your failure to receive the declaration of loss and claim credit to your account for reimbursement together with any other required documentationaltered or unauthorized share draft/checks.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. PAYMENTS - You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences conse- quences resulting from such action. If Your Account is a joint Account, . any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with ‘Nith You. You may also ask Us to replace a lost, destroyed lost or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. CHECKS AND OTHER ACCOUNT ACCESS DEVICES - Any check or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. POSTDATED, STALE OR OVERDRAFT CHECKS - You understand that postdating a check will have no effect on whether or not it is honored prior to or after the date of any such check. A stale check is any check received by Us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft check, or other item presented for payment on Your Account without any liability. CHECK SAFEKEEPING - Check Safekeeping is automatic on Your Account and, Your cancelled checks will not be returned to You. You understand that cancelled checks retained by Us are later destroyed after a reasonable period of time. If You subsequently request a copy of a check and We are unable to supply it, then We shall not be liable for any damage You may sustain in excess of the face amount of the involved check. PERIODIC STATEMENTS - You will be provided with a periodic statement showing activity on Your Account. If You believe any statement reflects discrepancies, You must notify Us of such discrepancies within 60 days from the date We mailed the statement to You. If the discrepancy noted is the result of an electronic fund transfer, then the provisions of Our Electronic Furnj Transfer Agreement with You will control resolution of the matter.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral requestshare draft. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 12 months. If at the end of six months, 12 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order order for stop payment form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre- authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You you at the time You you opened Your Account your account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Accountyour account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Accountyour account. Your Agreements And and Disclosures may be amended by Us us from time to time in a manner as prescribed by law. STOP PAYMENTS. You Any person who is an authorized signer on your account may ask Us us orally to stop payment on a Checkshare draft/check. For any such request to remain valid, however, You you must also supply Us us with a written request within 14 days after You you make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us us in a timely manner so that We we have a reasonable opportunity to act on Your your request. A written stop payment request is effective for six months. If at the end of six months, You you request Us us to continue to the stop payment order, that request will be treated as a new request. We are not liable if We we pay a Check share draft/check which You you have requested Us us to stop payment on as long as We we act in good faith and exercise ordinary care. In any event, any damages that We we might otherwise be liable for shall not exceed the amount of the involved Checkshare draft/check. If We we do pay a Check share draft/check for which You you have requested stop payment and as a result any other item is returned unpaid by Us us due to nonsufficient funds, We we are not liable for any consequences resulting from such action. If Your Account your account is a joint Accountaccount, any Owner owner of the Account account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You you ask Us us to stop payment on a pre-pre- authorized transfer, Your your request will be processed under the provisions of Our our Electronic Fund Transfer Agreement with Youyou. You Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. LOST, DESTROYED, OR STOLEN CERTIFIED, CASHIER’S, TELLER’S, OR CORPORATE CHECKS. Under some circumstances you may also ask Us be able to replace assert a claim for the amount of a lost, destroyed destroyed, or stolen certified, cashier's’s, teller or corporate check. To assert the claim: (a) you must be the remitter (or drawer of a certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless check) or payee of the type check, (b) we must receive notice from you describing the check with reasonable certainty and asking for payment of documentation presented the amount of the check, (c) we must receive the notice in time for us to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such it, and (d) you must give us a declaration of your loss and with the respect to the check (form supplied by us). Even if all of these conditions are met, your claim for reimbursement will may not become effective be immediately enforceable. We may pay the check until the later of: (a) the 90th ninetieth day after the date of the check (or 90th day following the date of acceptance, in the case acceptance of a certified check); or (b) . Therefore, your claim is not enforceable until the ninety first day after the date of the check or date of acceptance, and the conditions listed above have been met. If we have not already paid the check, on the day of your claim is enforceable, we become obligated to pay you the amount of the check. We will issue you another check. At our option, we may pay you the amount of the check before you claim becomes enforceable. However, we will require you to agree to indemnify us from any losses we might suffer. This means that if the check is presented after we pay your claim, and we pay the check, you are responsible to cover our losses. We may require you to provide a surety bond to assure that you can pay us if we suffer a loss. SHARE DRAFTS/CHECKS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft/check or other account access device which does not meet our standards for acceptance may be rejected by us, whether such standards are established by law, regulation or our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS/CHECKS. You understand that postdating a share draft/check will have no effect on whether or not it is honored prior to or after the date of any such share draft/check. A stale share draft/check is any share draft/check received by us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft/check, or other item presented for payment on your account without any liability. SHARE DRAFT/CHECK SAFEKEEPING. Share draft/check safekeeping is automatic on your account and your cancelled share drafts/checks will not be returned to you. You understand that cancelled share drafts/checks retained by us are later destroyed after a reasonable period of time. If you subsequently request a copy of a share draft/check and we are unable to supply it, then we shall not be liable for any damage you may sustain in excess of the face amount of the involved share draft/check. PERIODIC STATEMENTS. You will be provided with a periodic statement showing activity on your account. If you believe any statement reflects discrepancies, you must notify us of such discrepancies within 60 days from the date we mailed the statement to you. If the discrepancy noted is the result of an electronic fund transfer, then the provisions of our Electronic Transfer Agreement and you will control resolution of the matter. Failure to notify us of any discrepancies within 60 days from the date we mailed the statement to you may result in your failure to receive the declaration of loss and claim credit to your account for reimbursement together with any other required documentationaltered or unauthorized drafts.

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and orcompounded;and (d) other pertinent information d)otherpertinentinformation related to Your AccountYourAccount. Your Agreements And and Disclosures may be maybe amended by Us from time to time in a manner as manneras prescribed by lawbylaw. STOP PAYMENTS. You may ask mayask Us orally orallyor in writing to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral requestshare draft. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such anysuch request. Your request must be given to Us in a timely manner timelymanner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check paya share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary careordinarycare. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check paya share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request mayrequest a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized preauthorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may requiremayrequire, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner timelymanner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other xxxxxxxx required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance maybe rejected by Us, whether such standards are established bylaw, regulation or Our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of anysuch share draft. Astale share draft is anyshare draft received by Us that is datedsixmonths or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft, or other item presented for payment on Your Account without any liability. SHARE DRAFT SAFEKEEPING. Share draft Safekeeping is automatic on YourAccount and Yourcancelled share drafts will not be returned to You. You understand that cancelled share drafts retained by Us are later destroyed after a reasonable period of time. If You subsequently request a copy of a share draft and We are unable to supplyit, then We shall not be liable for any damage You may sustain in excess of the face amount of the involved share draft.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Any Owner or authorized signer of the Account may request a stop payment. Any payment and any release of a stop payment order must may be made by any Owner or authorized signer of the person who made the requestAccount. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller teller, or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation, or Our own policy. POSTDATED, STALE, OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale, or overdraft share draft, or other item presented for payment on Your Account without any liability. SHARE DRAFT SAFEKEEPING. Share draft safekeeping is automatic on Your Account and Your cancelled share drafts will not be returned to You. You understand that cancelled share drafts retained by Us are later destroyed after a reasonable period of time. If You subsequently request a copy of a share draft and We are unable to supply it, then We shall not be liable for any damage You may sustain in excess of the face amount of the involved share draft. PERIODIC STATEMENTS. You will be provided with a periodic statement showing activity on Your Account. If You believe any statement reflects discrepancies, You must notify Us of such discrepancies within 60 days from the date We mailed the statement to You. If the discrepancy noted is the result of an electronic fund transfer, then the provisions of Our Electronic Services Agreement with You will control resolution of the matter.

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient non-sufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any payment and any release of a stop payment order must may be made by any Owner of the person who made the requestAccount. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller teller, or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. CHECKS AND OTHER ACCOUNT ACCESS DEVICES. Any check or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation, or Our own policy. POSTDATED, STALE, OR OVERDRAFT CHECKS. You understand that postdating a check will have no effect on whether or not it is honored prior to or after the date of any such check. A stale check is any check received by Us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale, or overdraft check, or other item presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre- authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft, or other item presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre- authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller or certified check 90 days after it is first issued and if You do, You agree to execute a declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You you at the time You you opened Your your Account and referred to throughout this Agreement contain: Agreement, contain (a) a list of fees and charges applicable to Your your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your your Account. Your Agreements And Agreement and Disclosures may be amended by Us us from time to time in a manner as prescribed by law. STOP PAYMENTS. Stop Payments You may ask Us us orally to stop payment on a Checkcheck(s). For any such request to remain valid, however, You you must also supply Us us with a written request within 14 fourteen (14) days after You you make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order of Stop Payment Order form related to any such request. Your request must be given to Us us in a timely manner so that We we have a reasonable opportunity to act on Your your request. A written stop payment request is effective for six (6) months. If at the end of six months, You (6) months you request Us us to continue the stop payment order, that request will be treated as a new request. We are not liable if We we pay a Check check which You you have requested Us us to stop payment on as long as We we act in good faith and exercise ordinary care. In any event, any damages that We we might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We we do pay a Check check for which You you have requested a stop payment and as a result any other item is returned unpaid by Us us due to nonsufficient funds, We we are not liable for any consequences resulting from such action. If Your your Account is a joint Accountaccount, any Joint Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You you ask Us us to stop payment on a pre-authorized transfer, Your your request will be processed under the provisions of Our our Electronic Fund Funds Transfer Agreement with Youyou. You may Stop payment requests are also ask Us subject to replace a lost, destroyed or stolen cashier's, teller or certified check the terms and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless conditions of the type Order of documentation presented Stop Payment form related to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on any such request. Such declaration of loss and claim You will be charged a fee for reimbursement will not become effective until the later of: (a) the 90th day after the date of the each check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentationstop payment that you request.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. PAYMENTS You may ask Us orally to stop payment on a Checkshare draft. You may also ask Us to stop payment on a share draft by visiting Our web site and following the prompts. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six 6 months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller ’s check or certified check money order and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will be subject to a 90-day waiting period and not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. PAYMENTS You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Any Owner or authorized signer of the Account may request a stop payment. Any payment and any release of a stop payment order must may be made by any Owner or authorized signer of the person who made the requestAccount. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller teller, or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation, or Our own policy. POSTDATED, STALE, OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale, or overdraft share draft, or other item presented for payment on Your Account without any liability. SHARE DRAFT SAFEKEEPING. Share draft safekeeping is automatic on Your Account and Your cancelled share drafts will not be returned to You. You understand that cancelled share drafts retained by Us are later destroyed after a reasonable period of time. If You subsequently request a copy of a share draft and We are unable to supply it, then We shall not be liable for any damage You may sustain in excess of the face amount of the involved share draft. PERIODIC STATEMENTS. You will be provided with a periodic statement showing activity on Your Account. If You believe any statement reflects discrepancies, You must notify Us of such discrepancies within 60 days from the date We mailed the statement to You. If the discrepancy noted is the result of an electronic fund transfer, then the provisions of Our Electronic Services Agreement with You will control resolution of the matter.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request in a form acceptable to Us, within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre- authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft, or other item presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. PAYMENTS You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's’s, teller or certified check and and, if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft, or other item presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. PAYMENTS You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also Account Agreement (continued) subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's’s, teller or certified check and and, if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft, or other item presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account Account, and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If If, at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. You agree to promptly notify Us if any check on which You have requested stop payment is recovered or destroyed or for which any such stop payment request can reasonably be cancelled. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment payment, and as a result result, any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Electron ic Fund Transfer Agreement with You. CHECKS AND OTHER ACCOUNT ACCESS DEVICES. You may also ask Us to replace withdraw shares from Your Share Draft Checking Account through such means as a lost, destroyed draft or stolen cashier's, teller check (or certified check and if You do, You agree to execute a declaration of loss and claim other reasonably acceptable negotiable instrument) drawn against Your Share Draft Account with Us. Any Check or other Account access device which does not meet Our standards for reimbursement form together with any other documentation We acceptance may require, such as an affidavit. Regardless of the type of documentation presented to be rejected by Us, the request must be in whether such standards are established by law, regulation, or Our own policy. POSTDATED, STALE, OR OVERDRAFT CHECKS. You understand that postdating a form acceptable Check will have no effect on whether or not it is honored prior to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day or after the date of the check (any such Check. A stale Check is any Check received by Us that is dated six months or 90th day following more prior to the date of acceptancereceipt. We may pay or refuse to pay any postdated, in the case of a certified check); stale, or (b) the date We receive the declaration of loss and claim for reimbursement together with overdraft Check, or any other required documentationitem presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request in a form acceptable to Us, within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre- authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller teller, or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement Stop Payment on Credit Union Check Affidavit form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.:

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six 6 months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any ACCOUNT AGREEMENT (continued) release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. PAYMENTS You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient non-sufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre- authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request in a form acceptable to Us, within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller teller, or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement Stop Payment on Credit Union Check Affidavit form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement together with any other required documentation; and will not be enforceable until the 90th day following the date of the check. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation, or Our own policy. POSTDATED, STALE, OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale, or overdraft share draft, or other item presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account Account, and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If If, at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. You agree to promptly notify Us if any check on which You have requested stop payment is recovered or destroyed or for which any such stop payment request can reasonably be cancelled. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment payment, and as a result result, any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. CHECKS AND OTHER ACCOUNT ACCESS DEVICES. You may also ask Us to replace withdraw shares from Your Share Draft Checking Account through such means as a lost, destroyed draft or stolen cashier's, teller check (or certified check and if You do, You agree to execute a declaration of loss and claim other reasonably acceptable negotiable instrument) drawn against Your Share Draft Account with Us. Any Check or other Account access device which does not meet Our standards for reimbursement form together with any other documentation We acceptance may require, such as an affidavit. Regardless of the type of documentation presented to be rejected by Us, the request must be in whether such standards are established by law, regulation, or Our own policy. POSTDATED, STALE, OR OVERDRAFT CHECKS. You understand that postdating a form acceptable Check will have no effect on whether or not it is honored prior to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day or after the date of the check (any such Check. A stale Check is any Check received by Us that is dated six months or 90th day following more prior to the date of acceptancereceipt. We may pay or refuse to pay any postdated, in the case of a certified check); stale, or (b) the date We receive the declaration of loss and claim for reimbursement together with overdraft Check, or any other required documentationitem presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request in a form acceptable to Us, within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller teller, or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement Stop Payment on Credit Union Check Affidavit form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement together with any other required documentation; and will not be enforceable until the 90th day following the date of the check. CHECKS AND OTHER ACCOUNT ACCESS DEVICES. Any check or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation, or Our own policy. POSTDATED, STALE, OR OVERDRAFT CHECKS. You understand that postdating a check will have no effect on whether or not it is honored prior to or after the date of any such check. A stale check is any check received by Us that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale, or overdraft check, or other item presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: Agreement, contain (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the that request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Funds Transfer Agreement with You. You may Stop payment requests are also ask Us subject to replace a lost, destroyed or stolen cashier's, teller or certified check the terms and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless conditions of the type of documentation presented Stop Payment Order form related to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on any such request. Such declaration of SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share Draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulations or Our own policy. If you purchase checks from someone other than us, you agree to be responsible for any loss and claim for reimbursement or fees associated with these checks. POSTDATED, STALE, OR OVERDRAFT SHARE DRAFTS. You understand that postdating a Share Draft will have no effect on whether or not become effective until the later of: (a) the 90th day it is honored prior to or after the date of the check (any such Share Draft. A stale Share Draft is any Share Draft received by Us that is dated 6 months or 90th day following more prior to the date of acceptancereceipt. We may pay or refuse to pay any postdated, in the case of a certified check); stale or (b) the date We receive the declaration of loss and claim overdraft Share Draft, or other item presented for reimbursement together with payment on Your Account without any other required documentationliability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen official, cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavitaffidavit or indemnity. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You you at the time You you opened Your Account your account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Accountyour account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Accountyour account. Your Agreements And and Disclosures may be amended by Us us from time to time in a manner as prescribed by law. STOP PAYMENTSStop Payments. You may ask Us us orally to stop payment on a Checkshare draft/check. For any such request to remain valid, however, You you must also supply Us us with a written request within 14 days after You you make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us us in a timely manner so that We we have a reasonable opportunity to act on Your your request. A written stop payment request is effective for six months. If at the end of six months, You you request Us us to continue the stop payment order, that request will be treated as a new request. We are not liable if We we pay a Check share draft/check which You you have requested Us us to stop payment on as long as We we act in good faith and exercise ordinary care. In any event, any damages that We we might otherwise be liable for shall not exceed the that amount of the involved Checkshare draft/check. If We we do pay a Check share draft/check for which You you have requested stop payment and as a result any other item is returned unpaid by Us us due to nonsufficient non-sufficient funds, We we are not liable for any consequences resulting from such action. If Your Account your account is a joint Accountaccount, any Owner owner of the Account account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You you ask Us us to stop payment on a pre-authorized transfer, Your your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with Youyou. You Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. Lost, Destroyed, or Stolen Certified, Cashier’s, Xxxxxx’s, or Corporate Checks. Under some circumstances you may also ask Us be able to replace assert a claim for the amount of a lost, destroyed destroyed, or stolen certified, cashier's’s, teller or corporate check. To assert the claim: (a) you must be the remitter (or drawer of a certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless check) or payee of the type check, (b) we must receive notice from you describing the check with reasonable certainty and asking for payment of documentation presented the amount of the check, (c) we must receive the notice in time for us to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such requestit, and (d) you must give us a dec- laration of your loss with the respect to the check (form supplied by us). Such declaration Even if all of loss and these conditions are met, your claim for reimbursement will may not become effective be immediately enforceable. We may pay the check until the later of: (a) the 90th ninetieth day after the date of the check (or 90th day following the date of acceptance, in the case acceptance of a certified check); or (b) . Therefore, your claim is not enforceable until the ninetieth day after the date of the check or date of acceptance, and the conditions listed above have been met. If we have not already paid the check, on the day of your claim is enforceable, we become obligated to pay you the amount of the check. We receive will issue you another check. At our option, we may pay you the declaration amount of loss the check before you claim becomes enforceable. However, we will require you to agree to indemnify us from any losses we might suffer. This means that if the check is presented after we pay your claim, and claim we pay the check, you are responsible to cover our losses. We may require you to provide a surety bond to assure that you can pay us if we suffer a loss. Share Draft/Checks and Other Account Access Devices. Any share draft/check or other account access device which does not meet our standards for reimbursement together with acceptance may be rejected by us, whether such standards are established by law, regulation or our own policy. Postdated, Stale or Overdraft share drafts/checks. You understand that postdating a share draft/check will have no effect on whether or not it is honored prior to or after the date of any such shared draft/check. A stale share draft/check is any share draft/check received by us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any posted, stale, or overdraft share draft/check, or other required documentationitem presented for payment on your account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller or certified check 90 days after it is first issued and if You do, You agree to execute a declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration Declaration of loss Loss and claim Claim for reimbursement Reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient non-sufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any payment and any release of a stop payment order must may be made by any Owner of the person who made the requestAccount. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller teller, or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration declara ion of loss and claim for reimbursement together with any other required documentation. CHECKS AND OTHER ACCOUNT ACCESS DEVICES. Any check or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation, or Our own policy. POSTDATED, STALE, OR OVERDRAFT CHECKS. You understand that postdating a check will have no effect on whether or not it is honored prior to or after the date of any such check. A stale check is any check received by Us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale, or overdraft check, or other item presented for payment on Your Account without any liability.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Check. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Check. If We do pay a Check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. ACCOUNT AGREEMENT (continued) You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. PAYMENTS You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six 6 months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace stop payment on a lost, destroyed lost or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the issuance date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for acceptance may be rejected by Us, whether such standards are established by law, regulation or Our own policy. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by Us that is dated 6 months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft, or other item presented for payment on Your Account without any liability. SHARE DRAFT SAFEKEEPING. Share draft safekeeping is automatic on Your Account and, Your cancelled share drafts will not be returned to You. You understand that cancelled share drafts retained by Us are later destroyed after a reasonable period of time. If You subsequently request a copy of a share draft and We are unable to supply it, then We shall not be liable for any damage You may sustain in excess of the face amount of the involved share draft. PERIODIC STATEMENTS. You will be provided with a periodic statement showing activity on Your Account. If You believe any statement reflects discrepancies, You must notify Us of such discrepancies within 60 days from the date We mailed the statement to You. If the discrepancy noted is the result of an electronic fund transfer, then the provisions of Our Electronic Fund Transfer Agreement with You will control resolution of the matter.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkshare draft. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check share draft which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkshare draft. If We do pay a Check share draft for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-pre- authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may Stop payment requests are also ask Us subject to replace a lost, destroyed or stolen cashier's, teller or certified check the terms and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless conditions of the type of documentation presented Order For Stop Payment form related to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on any such request. Such declaration of loss and claim SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other Account access device which does not meet Our standards for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (acceptance may be rejected by Us, whether such standards are established by law, regulation or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentationOur own policy.

AGREEMENTS AND DISCLOSURES. The Agreements And and Disclosures provided to You at the time You opened Your Account and referred to throughout this Agreement Agreement, contain: (a) a list of fees and charges applicable to Your Account; (b) the dividends and applicable Annual Percentage Yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to Your Account. Your Agreements And and Disclosures may be amended by Us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask Us orally to stop payment on a Checkcheck. For any such request to remain valid, however, You must also supply Us with a written request within 14 days after You make any such oral request. Stop payment requests are also subject to the terms and conditions of the Order For Stop Payment Order form related to any such request. Your request must be given to Us in a timely manner so that We have a reasonable opportunity to act on Your request. A written stop payment request is effective for six months. If at the end of six months, 6 months You request Us to continue the stop payment order, that request will be treated as a new request. We are not liable if We pay a Check check which You have requested Us to stop payment on as long as We act in good faith and exercise ordinary care. In any event, any damages that We might otherwise be liable for shall not exceed the amount of the involved Checkcheck. If We do pay a Check check for which You have requested stop payment and as a result any other item is returned unpaid by Us due to nonsufficient funds, We are not liable for any consequences resulting from such action. If Your Account is a joint Account, any Owner of the Account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If You ask Us to stop payment on a pre-authorized transfer, Your request will be processed under the provisions of Our Electronic Fund Transfer Agreement with You. You may also ask Us to replace a lost, destroyed or stolen cashier's’s, teller or certified check and if You do, You agree to execute a declaration of loss and claim for reimbursement form together with any other documentation We may require, such as an affidavit. Regardless of the type of documentation presented to Us, the request must be in a form acceptable to the Credit Union and given to Us in a timely manner so that We have a reasonable opportunity to act on such request. Such declaration of loss and claim for reimbursement will not become effective until the later of: (a) the 90th day after the date of the check (or 90th day following the date of acceptance, in the case of a certified check); or (b) the date We receive the declaration of loss and claim for reimbursement together with any other required documentation.