Common use of Credit Union Lien and Security Interest Clause in Contracts

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security Except for all obligations you may have now or in the future, except obligations debts that are secured by your principal residence, all shares and dividends and all deposits and interestif you owe us money as a borrower, if anyguarantor, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loanendorser or otherwise, we will freeze have a lien on the funds in your account(s) to any Account in which you have an ownership interest, regardless of their source, unless the extent of Account is an IRA or tax deferred retirement Account or the outstanding balance of the loan or, if greater, the amount of the pledge if the loan lien is a revolving loanprohibited by law. Otherwise, We may apply these funds in any order to pay off your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts indebtedness (including but not limited to indebtedness you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as securityguaranteed). By not enforcing our right to apply funds in your account to your obligations that are in defaulta lien, we do not waive our right to enforce these rights at a later timeit later. Legal Process. If any legal actionIn addition, such as a levy, garnishment, or attachment, is brought against your account, you grant the Credit Union a consensual security interest in your Accounts (except IRAs or tax deferred accounts or where the granting of such a lien is prohibited by law) and we may refuse use the funds from your Accounts to pay out any money from your account until the dispute is resolved. If debt or amount now or hereafter owed the Credit Union incurs any expenses or attorney fees in responding to legal processUnion, such expenses may be charged against except for obligations secured by your account without prior notice to youresidence, unless prohibited by applicable law. If your Account is owned jointly, our rights extend to any amount owed to us by any of the Joint Owners. We will notify you if we have exercised our right of offset Fees and Service Charges Any legal process against your account is Account may be subject to service charges in accordance with the Fee Schedule adopted by the Credit Union's lien and security interestUnion from time to time. You agree to pay us fees in connection with your Accounts in accordance with the Fee Schedule then in effect. Refer to the Fee Schedule for a current list of fees. We will provide advance notice of any increase in current changes, or any new charges, as required by law. We may deduct any fees owed from any of your Accounts, except that no fee may be deducted from an IRA unless the fee relates to the IRA. We reserve the right to waive any fees in our sole discretion. Fees may reduce earnings on any of your Accounts. .

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a State and/or federal or state charter, gives law give us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited prohibited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account IRA or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, State law gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal applicable law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By If we do not enforcing enforce our right rights to apply funds in your account to your obligations that are in default, we do such decision to not waive enforce our rights does not affect our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless To the extent you are in default on a financial obligation to us which may Include a negative balance on a savings or checking account or a loan owed to us (as a borrower, guarantor, endorser or otherwise), we have a lien on any or all of the funds in any account in which you have ownership interest, regardless of the source of funds, unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After Once you are in default, we may exercise our statutory lien rights this right without further notice to you. Your pledge You authorize government payments and our statutory lien rights will allow us to apply the funds in deposits made into your account to what you owe when you are be used for the repayment of any obligation owed to us. We may apply these funds in default, except as limited by state or federal lawany order to pay off your indebt- edness. If we do choose not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to enforce any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in defaultsuch lien, we do not waive our right rights to enforce these rights the lien at a later time. Legal ProcessIn addition, you grant us a consensual security interest in your accounts and agree we may use the funds from your accounts to pay any debt or amount now or hereafter owed to us, except for obligations secured by your residence, if prohibited by ap- plicable law. All accounts are non-assignable and non-transferable by member to third par- ties. We may use the services of third parties to assist in the collection of any indebtedness owed to the credit union. You agree that we may contact you by home, work, cell phone, email or text to offer products and services or assist in the collection of an account. LEGAL PROCESS If any legal action, such as a levy, garnishment, garnishment or attachment, including those issued by the Internal Revenue Service (IRS) or the state of Colorado, is brought against your account, the Credit Union we may refuse to pay out any money funds from your account until the dispute is resolvedresolved or may pay out funds according to the terms of the levy, garnishment or attachment. You agree to hold us harmless in our response to any legal action. You agree account balances are subject in their entirety to the satisfaction of the court order regardless of the source of funds. If the Credit Union incurs we incur any expenses or attorney attorney’s fees in responding to a legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject subordinate to the Credit Union's our lien and security interestinterests. We will comply with federal government and state of Colorado requirements such as Office of For- eign Asset Control (OFAC), USA PATRIOT and Bank Secrecy Acts and any other programs requiring a credit union’s involvement. Collection of Information (Privacy Policy) ACCOUNT INFORMATION (Privacy Policy) In the course of delivering products and services, Partner Colorado obtains non-public personal information, either directly from the member or from outside sources. This non- public personal information is used to comply with federal and state laws and regulations, to provide effective member service and to inform members of products and services which may be of interest to the member.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account XXX or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, law gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss or expense from your account without prior notice to you. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable fees and costs, including fees on any appeal, bankruptcy proceedings and any post-judgment collection actions, if applicable. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do does not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later timedate. Legal ProcessAccount Information Upon request, we will give you the name and address of each consumer reporting agency from which we obtain a credit report regarding your account. We agree not to disclose account information to third parties except when: it is necessary to complete a transaction; the third party seeks to verify the existence or condition of your account in accordance with applicable law; such disclosure complies with the law or a government agency or court order; such disclosure is consistent with our Privacy Notice; or you give us written permission. Negative Information Notices We may report information about your loan or share accounts to credit bureaus. Late payments and missed payments or other defaults on your accounts may be reflected in your credit report. Member Conduct Policy This policy protects Lexington’s members, visitors, employees and property from individuals who are or may be threatening or abusive. The policy speaks to ensure that all parties’ rights are protected. Unacceptable member conduct or behavior may include but is not limited to: • Abusive, vulgar or intimidating language • Threats, intimidation or acts of violence • Harassment of any type, including sexual harassment • Potential damage or damage to Lexington’s property or systems • Unlawful acts • Other abusive or disruptive behavior • Injury or threatened injury to any member, visitor or employee • Possession, sale, use or being under the influence of an unlawful or unauthorized substance while on Lexington’s property Violation of the above policy could result in but not limited to closure of your account. • Or any other action deemed necessary that is not expressly precluded by the Federal Credit Union Act, the National Credit Union Administration and New York State’s Workplace Violence Protection Law TRUTH IN SAVINGS DISCLOSURE SHARE ACCOUNTS Regular Share – Savings-This is a variable rate account. Minimum balance is $5.00. A minimum balance of $200 must be maintained to earn dividends. Money Market – This is a variable, tiered rate account. Minimum balance to open account is $5.00. Minimum to earn dividends is $1000.00. If any legal actionyou maintain a balance in your money market account from $1000.000 to $1500.00 you will obtain the disclosed tier 1 annual percentage yield. If you maintain a balance of $15,000.00 or higher, such as you will obtain the disclosed tier 2 annual percentage yield. Once a levyparticular range is met, garnishment, or attachment, is brought against the dividend rate and annual percentage yield will apply to the full balance in your account. Club Accounts – This is a variable rate account. Minimum balance is $5.00. • Christmas/Holiday club account is paid out November 30th each year. The dividend rate and annual percentage yield on share accounts may change every month as determined by the Board of Directors. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. Dividends will begin to accrue on the business day of your deposit. Dividends are paid from current income and available earnings, after required transfers to reserves at the Credit Union may refuse to pay out any money from your end of the dividend period. Share Draft – Checking Accounts – There is no dividends paid on this account until the dispute type. There is resolvedno minimum balance. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may • Fees – An insufficient funds fee will be charged against your account without prior notice for each item returned for insufficient funds. Additional fees may apply. Refer to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interestfee Schedule.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, law gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do does not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless To the extent you are in default on a financial obligation to us which may Include a negative bal- ance on a savings or checking account or a loan owed to us (as a borrower, guarantor, endorser or otherwise), we have a lien on any or all of the funds in any account in which you have ownership interest, regardless of the source of funds, unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After Once you are in default, we may exercise our statutory lien rights this right without further notice to you. Your pledge You authorize government payments and our statutory lien rights will allow us to apply the funds in deposits made into your account to what you owe when you are be used for the repayment of any obligation owed to us. We may apply these funds in default, except as limited by state or federal lawany order to pay off your indebtedness. If we do choose not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to enforce any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in defaultsuch lien, we do not waive our right rights to enforce these rights the lien at a later time. Legal ProcessIn addition, you grant us a consensual security interest in your accounts and agree we may use the funds from your accounts to pay any debt or amount now or hereafter owed to us, except for obligations secured by your residence, if prohibited by applicable law. All accounts are non-assignable and non-transferable by member to third parties. We may use the services of third parties to assist in the collection of any indebtedness owed to the credit union. You agree that we may contact you by home, work, cell phone, email or text to offer products and services or assist in the collection of an account. LEGAL PROCESS If any legal action, such as a levy, garnishment, garnishment or attachment, including those issued by the Internal Revenue Service (IRS) or the state of Colorado, is brought against your account, the Credit Union we may refuse to pay out any money funds from your account until the dispute is resolvedresolved or may pay out funds according to the terms of the levy, garnishment or attachment. You agree to hold us harmless in our response to any legal action. You agree account balances are subject in their entirety to the satisfaction of the court order regardless of the source of funds. If the Credit Union incurs we incur any expenses or attorney attorney’s fees in responding respond- ing to a legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject subordinate to the Credit Union's our lien and security interestinterests. We will comply with federal government and state of Colorado requirements such as Office of Foreign Asset Control (OFAC), USA PATRIOT and Bank Secrecy Acts and any other programs requiring a credit union’s involvement. Collection of Information (Privacy Policy) ACCOUNT INFORMATION (Privacy Policy) In the course of delivering products and services, Partner Colorado obtains non-public personal information, either directly from the member or from outside sources. This non-public personal infor- mation is used to comply with federal and state laws and regulations, to provide effective member service and to inform members of products and services which may be of interest to the member.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, law gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless To the extent you are in default on a financial obligation to us which may Include a negative bal- ance on a savings or checking account or a loan owed to us (as a borrower, guarantor, endorser or otherwise), we have a lien on any or all of the funds in any account in which you have ownership interest, regardless of the source of funds, unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After Once you are in default, we may exercise our statutory lien rights this right without further notice to you. Your pledge You authorize government payments and our statutory lien rights will allow us to apply the funds in deposits made into your account to what you owe when you are be used for the repayment of any obligation owed to us. We may apply these funds in default, except as limited by state or federal lawany order to pay off your indebtedness. If we do choose not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to enforce any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in defaultsuch lien, we do not waive our right rights to enforce these rights the lien at a later time. Legal ProcessIn addition, you grant us a consensual security interest in your accounts and agree we may use the funds from your accounts to pay any debt or amount now or hereafter owed to us, except for obligations secured by your residence, if prohibited by applicable law. All accounts are non-assignable and non-transferable by member to third parties. We may use the services of third parties to assist in the collection of any indebtedness owed to the credit union. You agree that we may contact you by home, work, cell phone, email or text to offer products and services or assist in the collection of an account. LEGAL PROCESS If any legal action, such as a levy, garnishment, garnishment or attachment, including those issued by the Internal Revenue Service (IRS) or the state of Colorado, is brought against your account, the Credit Union we may refuse to pay out any money funds from your account until the dispute is resolvedresolved or may pay out funds ac- cording to the terms of the levy, garnishment or attachment. You agree to hold us harmless in our response to any legal action. You agree account balances are subject in their entirety to the satisfaction of the court order regardless of the source of funds. If the Credit Union incurs we incur any expenses or attorney attor- ney’s fees in responding to a legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject subordinate to the Credit Union's our lien and security interestinterests. We will comply with federal government and state of Colorado requirements such as Office of Foreign Asset Control (OFAC), USA PATRIOT and Bank Secrecy Acts and any other programs requiring a credit union’s involvement. Collection of Information (Privacy Policy) ACCOUNT INFORMATION (Privacy Policy) In the course of delivering products and services, Partner Colorado obtains non-public personal information, either directly from the member or from outside sources. This non-public personal information is used to comply with federal and state laws and regulations, to provide effective member service and to inform members of products and services which may be of interest to the member.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to To the extent of the outstanding balance of the loan orthat you owe us money as a borrower, if greaterguarantor, the amount of the pledge if the loan is a revolving loan. Otherwiseendorser, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or otherwise, state law, depending upon whether we have a federal or state charter, law gives us a lien on any or all shares and dividends and all deposits and of the funds in any account in which you have an ownership interest, if anyregardless of the source of the funds. This provision does not apply to IRA or HSA accounts or other tax-qualified retirement accounts, in accounts you have with us now and in the future. Except as limited to consumer credit card obligations, or where otherwise prohibited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge We may apply these funds in any order to pay off your indebtedness. If we choose not to enforce our lien, we do not waive our right to enforce the lien at a later time. In addition, you grant us a consensual security interest in your shares and dividends and all deposits and interest, if any, in all accounts and agree that we may use the funds from your accounts to pay any debt or amount you owe us, except obligations secured by your dwelling or consumer credit card obligations, unless prohibited by applicable law. All accounts are nonassignable and nontransferable to third parties. You agree that we have the right to offset funds in any of your accounts against the obligation owed to us. We may use funds held in your joint accounts to repay obligations on which any account owner is liable, whether jointly with another or individually. If the law imposes conditions or limits on our statutory lien rights will allow ability to take or setoff funds in your accounts, to the extent that you may do so by contract, you waive those conditions and limits and you authorize us to apply the funds in any or all of your account accounts with us to what obligations you owe when you are in default, except as limited by state or federal lawus. If we do not apply or offset the funds in your account(s) accounts to satisfy your obligation, we may place an administrative freeze on your account(s) in order accounts to protect our statutory lien rights and may apply or offset the funds in your account(s) accounts to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account account(s) to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, levy or garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account IRA or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, this Agreement all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future, and all other security you have or may pledge for other obligations you may have with us now or in the future (except, in all cases, property that is your principal residence). If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, depending upon whether we have a federal or state charter, gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. you.‌‌‌ Your pledge and our statutory lien rights will allow us to apply the funds in your account to what you owe when you are in default, except as limited by state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.time.‌‌‌‌‌‌

Credit Union Lien and Security Interest. Unless To the extent prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account account(s) for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or state law, law (depending upon whether we have a federal or state charter, ) gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by federal or state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge and our statutory lien rights will allow us to apply the funds in your account account(s) to what you owe when you are in default, except as limited by federal or state or federal law. If we do not apply the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory lien rights and may apply the funds in your account(s) to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under federal or state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.

Credit Union Lien and Security Interest. Unless prohibited by law, you pledge and grant as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all accounts you have with us now and in the future. If you pledge a specific dollar amount in your account for a loan, we will freeze the funds in your account(s) to To the extent of the outstanding balance of the loan orthat you owe us money as a borrower, if greaterguarantor, the amount of the pledge if the loan is a revolving loan. Otherwiseendorser, funds in your pledged account(s) may be withdrawn unless you are in default. Federal or otherwise, state law, depending upon whether we have a federal or state charter, law gives us a lien on any or all shares and dividends and all deposits and of the funds in any account in which you have an ownership interest, if anyregardless of the source of the funds. This provision does not apply to IRA or HSA accounts or other tax-qualified retirement accounts, in accounts you have with us now and in the future. Except as limited to consumer credit card obligations, or where otherwise prohibited by state or federal law, the statutory lien gives us the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory lien rights without further notice to you. Your pledge We may apply these funds in any order to pay off your indebtedness. If we choose not to enforce our lien, we do not waive our right to enforce the lien at a later time. In addition, you grant us a consensual security interest in your shares and dividends and all deposits and interest, if any, in all accounts and agree that we may use the funds from your accounts to pay any debt or amount you owe us, except obligations secured by your dwelling or consumer credit card obligations, unless prohibited by applicable law. All accounts are non-assignable and nontransferable to third parties. You agree that we have the right to offset funds in any of your accounts against the obligation owed to us. We may use funds held in your joint accounts to repay obligations on which any account owner is liable, whether jointly with another or individually. If the law imposes conditions or limits on our statutory lien rights will allow ability to take or setoff funds in your accounts, to the extent that you may do so by contract, you waive those conditions and limits and you authorize us to apply the funds in any or all of your account accounts with us to what obligations you owe when you are in default, except as limited by state or federal lawus. If we do not apply or offset the funds in your account(s) accounts to satisfy your obligation, we may place an administrative freeze on your account(s) in order accounts to protect our statutory lien rights and may apply or offset the funds in your account(s) accounts to the amount you owe us at a later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given as security. By not enforcing our right to apply funds in your account to your obligations that are in default, we do not waive our right to enforce these rights at a later time. Legal Process. If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union's lien and security interest.