Common use of Direct Deposits Clause in Contracts

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve the right to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit union’s negligence.

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve ACH and Wire Transfers. Except as amended by this Agreement, electronic funds transfers we permit that are subject to Article 4A of the right Uniform Commercial Code will be subject to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment such provisions of a check or draft, except for those damages which may arise solely the Uniform Commercial Code as a result enacted by the state where the main office of the credit union’s negligence.union is located. We may execute certain requests for electronic funds transfers by Xxxxxxx. Fedwire transactions are subject to Federal Reserve Board Regulation

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) or interactive teller machines (ITMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile or electronic signature, we may honor any check or draft that appears to bear your facsimile or electronic signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machineATM/ITM, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve the right to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit unionCredit Union’s negligence.

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve the right to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit unionCredit Union’s negligence.

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-un- staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve ACH and Wire Transfers. Except as amended by this Agreement, electronic funds transfers we permit that are subject to Article 4A of the right Uniform Commercial Code will be subject to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment such provisions of a check or draft, except for those damages which may arise solely the Uniform Commercial Code as a result enacted by the state where the main office of the credit union’s negligence.union is located. We may execute certain requests for electronic funds transfers by Xxxxxxx. Fedwire transactions are subject to Federal Reserve Board Regulation

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve ACH and Wire Transfers. Except as amended by this Agreement, electronic funds transfers we permit that are subject to Article 4A of the right Uniform Commercial Code will be subject to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment such provisions of a check or draft, except for those damages which may arise solely the Uniform Commercial Code as a result enacted by the state where the main office of the credit union’s negligence.union is located. We may execute certain requests for electronic funds transfers by Fedwire. Fedwire transactions are subject to Federal Reserve Board Regulation

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. If you make a deposit at an ATM before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 3:00 p.m. or on a day we are not open, we will consider that the deposit will be made on the next business day we are open. For night deposit transactions, normal check hold criteria apply. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve ACH and Wire Transfers. Except as amended by this Agreement, electronic funds transfers we permit that are subject to Article 4A of the right Uniform Commercial Code will be subject to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment such provisions of a check or draft, except for those damages which may arise solely the Uniform Commercial Code as a result enacted by the state where the main office of the credit union’s negligence.union is located. We may execute certain requests for electronic funds transfers by Xxxxxxx. Fedwire transactions are subject to Federal Reserve Board Regulation

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. Credit Reports, Membership- Account Eligibility, Other Credit Union Services and Social Media. To verify your eligibility or continued eligibility for membership, any account(s), service(s), or loan products; increases or decreases in services and/or credit limits, now and in the future; or as needed to comply with any applicable law, regulation or government agency requirements including but not limited to escheatment/abandoned property, privacy, or other issues that may affect your rights, you authorize us to make inquiry to determine your employment history and to obtain information concerning any accounts with other institutions and your credit history , including consumer credit reports. You agree that this authority applies to any account, account-related service, loans or other financial products you request or which we may offer or make available to you. We may also report information concerning your account(s) and credit to others. You also understand that you may elect from time to time to use Credit union or other parties’ social media tools and sources; that there is no claim of privacy or privilege regarding information shared or discernible from use or sharing; and the use of such information by us does not violate your privacy or other rights. If you have consented to communicating with us via social media we may use any social media addresses you may establish from time to time. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve ACH and Wire Transfers. Except as amended by this Agreement, electronic funds transfers we permit that are subject to Article 4A of the right Uniform Commercial Code will be subject to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment such provisions of a check or draft, except for those damages which may arise solely the Uniform Commercial Code as a result enacted by the state where the main office of the credit union’s negligence.union is located. We may execute certain requests for electronic funds transfers by Xxxxxxx. Fedwire transactions are subject to Federal Reserve Board Regulation

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. i.e., payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must The Credit Union reserves the right to require you to authorize any direct deposits to your accounts by a separate authorizationauthorization form. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon a filing of a bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. U.S government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. law.‌‌‌‌ Crediting of Deposits. Deposits Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities unstaffed facilities, such as night depositories and automated teller machines (ATMs) depositories, will be credited on the day funds are removed and processed by the Credit UnionUnion and are subject to adjustment based on our verification of the items deposited. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized SignaturePayment Priority Cash items are always paid first. Your signature The Credit Union processes checks and items as follows: (i) checks are paid based on the Membership Application authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe check number with the signature is not genuine. If you have authorized lowest check number paid first, (ii) ACH credits are processed first and ACH debits processed second based on amount with the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not providelowest debit amount paid first, and (iii) debit card transactions are paid in the chronological order they are received. The Credit Union has no duty to notify you are responsible for any loss we incur handling such of a check or draftitem that will overdraw your account. We have If we pay an item that overdraws your account, you are liable for and agree to pay the right overdraft amount and any fees immediately. You will be subject to review a charge for the item whether paid or returned as set forth in the Schedule of Fees and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorneyCharges. We reserve the right to restrict account withdrawals or transfers from your accountpursue collection of previously dishonored items at any time, provided that we shall not be liable for including giving a payer bank extra time beyond any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit union’s negligencemidnight deadline limits.

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays non-business days and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application Account Card authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve ACH and Wire Transfers. Except as amended by this Agreement, electronic funds transfers we permit that are subject to Article 4A of the right Uniform Commercial Code will be subject to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment such provisions of a check or draft, except for those damages which may arise solely the Uniform Commercial Code as a result enacted by the state where the main office of the credit union’s negligence.union is located. We may execute certain requests for electronic funds transfers by Xxxxxxx. Fedwire transactions are subject to Federal Reserve Board Regulation

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize preauthorized deposits (i.e. e.g., payroll checks, Social Security or retirement checks, or other government checks) or preauthorize preauthorized transfers from other accounts at the Credit Unionaccounts. You must authorize any direct deposits to your accounts or preauthorized transfers by filling out a separate authorizationform. If applicable, you You must notify the Credit Union us at least thirty (30) 30 days prior to any direct deposit or preauthorized transfer if you wish in advance to cancel or change the a direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcya bankruptcy filing, if unless you fail to cancel any direct deposit the authorization, you instruct your employer and the Credit Union to make and apply we will continue applying payments from direct deposits in accordance with your authorization on file with the Credit Unionus. If the Credit Union is we are required to reimburse the U.S. government Government for any benefit payment directly deposited into your account for any reasonaccount, you agree the Credit Union we may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits Xxxxxxxx made on Sundays and Credit Union holidays non-business days will be credited to your account on the next business day. Deposits received made by mail, at un-staffed night depositories, or at unstaffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when not our responsibility until we receive final paymentthem. You waive We reserve the right to refuse or to return any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collectiondeposit. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draftcheck. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve the right to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit union’s negligence.

Direct Deposits. The Credit Union We may offer direct deposit options allowing you to preauthorize pre-authorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other your accounts at the Credit Unionwith us. You must authorize any direct such deposits to your accounts or transfers by a separate authorizationauthorization form. If applicableyou wish to cancel the direct deposit or pre-authorized transfer option, you must notify the Credit Union RiverFall at least thirty (30) 30 days prior to the next scheduled date for any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer optionpre-authorized transfer. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorizationauthorization upon a filing of a bankruptcy, you instruct your employer and the Credit Union to agree that we may make and apply direct deposits in accordance with your authorization on file with us. Endorsements: Each of you appoint the Credit Unionother account Owner(s) your attorney-in-fact with power to deposit funds and for that purpose to endorse any item payable to any account owner. You authorize us to supply any endorsement for you on an item tendered for your account. You agree to indemnify us from any loss due to an endorsement or other writing being placed on an item in an incorrect manner or place under the Federal Reserve's Regulation CC or other applicable laws before it is accepted for deposit by us. Deposits: All non-cash items credited to an account shall be credited conditionally subject to final payment, and such items may be charged back from any account in which you have an ownership interest or the right to withdraw funds, at any time, until the proceeds thereof in money (U.S. Dollars) are received by us. If the Credit Union any item deposited in an account is required returned unpaid, each of you is jointly liable to reimburse the U.S. government RiverFall for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount of the returned item and any charges, regardless of who deposited the item or benefited from any of your accounts, unless prohibited by lawthe transaction. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will We shall not be credited obligated to your account on the next business day. Deposits received at unnotify you that a non-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, cash item has been dishonored or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application authorizes your account accessnot otherwise collected. We will not be liable responsible for refusing recognizing any conditions of payment contained on an item deposited to honor any item or instruction if we believe the signature is drawn on an account, including, but not genuinelimited to, restrictive endorsements or postdated items. If you have authorized make a deposit or payment at an un-staffed depository, you agree that the use correct amount in the event of discrepancy between a written receipt or deposit slip will be the amount that we find in the envelope used to make the transaction. Account Termination: We reserve the right to require written consent of all account owners before terminating an account. In the event of a facsimile signaturedispute over the ownership of the funds in the account, we may honor any check or draft that appears you authorize us to bear your facsimile signature even if it was made by an unauthorized personinterplead the funds into a court of competent jurisdiction for a determination of ownership. You authorize us to deduct our costs and expenses involved in filing the interpleader, including attorneys’ fees, from the account funds and to file the remaining sum with the court. As long as we act in a manner consistent with good faith and the exercise of ordinary care, we may refuse to honor transactions initiated by a third person any request to whom you have given close your account number even if you do not authorize a particular transactionaccount. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form If we do not provideagree to close your account, you agree to indemnify and you are responsible hold us harmless for the amount of any loss we incur handling such a check or draftresulting from closing your account. We have the right to review terminate an account and approve all of our liability hereunder by mailing a check or draft for the balance of an account to the address of any form one of power you. Changes to the Agreement: Our Board of attorney Directors may amend these terms, conditions, rules and may restrict account withdrawals or transfersprocedures from time to time. We are under no obligation will notify you of such changes as required by law. The changes will be effective on the date that the Board specifies or as otherwise required by law. Regular Savings Requirements: If you reduce your regular savings balance below the $5 par value, you may be terminated from membership according to honor any power of attorneyour rules and bylaws. We reserve the right, at any time, to require you to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts so paid in by you. You may not withdraw savings that are pledged as required on security on loans without the written approval of a loan officer, except to the extent that such savings exceed what you owe to us or are contingently liable. You may withdraw savings only by using the methods which have been approved by us. Christmas Club Account: You authorize us to automatically transfer the balance in your Christmas Club account into your regular savings account on or about October 31. If you withdraw any funds from this account prior to the declaration of dividends, you will forfeit all dividends not yet credited, and this account may be closed. Certificate Accounts: Nothing contained in this Agreement shall be construed so as to make the Certificate account a demand deposit, and we reserve the right to restrict require at least seven days written notice of an intention to withdraw any funds in a Certificate account. This notice time may be increased according to our Bylaws or under applicable laws. You will receive a receipt for the funds deposited into the Certificate account withdrawals or transfers from you establish with us which is merely evidence of your Certificate account with us. This receipt is non-negotiable and non- transferable. Each Certificate account shall automatically renew for successive periods, each equal to the original term of the Certificate account, provided that until your receipt is presented for payment on any Maturity Date or until we give written notice of our election to pay out the funds in your Certificate account on a Maturity Date by mailing notice of such intention to you at least ten days prior to such Maturity Date. If we receive or give notice of an intention not to renew the Certificate account and the receipt is not presented for payment on a Maturity Date, we may at our option, either transfer all funds represented by the Certificate to any account you may withdraw from, or pay all funds in the Certificate account directly to you. You may request us to pay the funds in a Certificate account within ten days after any Maturity Date without penalty. If we pay any or all of the funds in a Certificate account before any Maturity Date, you shall forfeit the lesser of the early payment penalty shown on the Fee Schedule or all dividends earned since the issuance date or the date of any successive renewal period. If dividends previously paid exceed dividends payable under this penalty provision, the excess shall be deducted from the amount withdrawn. All earnings credited to a Certificate account may be withdrawn at any time without penalty. Certificate accounts may not be liable for pledged, transferred or assigned to any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit union’s negligenceparty other than RiverFall.

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve the right to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit union’s negligence.TRUTH-IN-SAVINGS DISCLOSURE PRIMARY SHARE ACCOUNT

Direct Deposits. The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization. If applicable, you must notify the Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer option. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefitsbenefits unless prohibited by law. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union. If the Credit Union is required to reimburse the U.S. government for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will be credited to your account on the next business day. Deposits received at un-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union, but may not be available immediately. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application authorizes your account access. We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature even if it was made by an unauthorized person. You authorize us to honor transactions initiated by a third person to whom you have given your account number even if you do not authorize a particular transaction. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g.i.e., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form we do not provide, and you are responsible for any loss we incur handling such a check or draftcheck. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We are under no obligation to honor any power of attorney. We reserve the right to restrict account withdrawals or transfers from your account, provided that we shall not be liable for any damages arising from any action we take regarding either (i) 1. withdrawals or transfers; or (ii) 2. payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit unionCredit Union’s negligence.

Direct Deposits. The Credit Union We may offer direct deposit options allowing you to preauthorize pre-authorize deposits (i.e. payroll checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other your accounts at the Credit Unionwith us. You must authorize any direct such deposits to your accounts or transfers by a separate authorizationauthorization form. If applicableyou wish to cancel the direct deposit or pre-authorized transfer option, you must notify the Credit Union RiverFall at least thirty (30) 30 days prior to the next scheduled date for any direct deposit or preauthorized transfer if you wish to cancel or change the direct deposit or direct transfer optionpre-authorized transfer. If your account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. Upon filing of bankruptcy, if you fail to cancel any direct deposit authorizationauthorization upon a filing of a bankruptcy, you instruct your employer and the Credit Union to agree that we may make and apply direct deposits in accordance with your authorization on file with us. Endorsements: Each of you appoint the Credit Unionother account Owner(s) your attorney-in-fact with power to deposit funds and for that purpose to endorse any item payable to any account owner. You agree that the deposit of any item to your Account is the legal equivalent of every Owner’s endorsement of such item for deposit. You authorize us to supply any endorsement for you on an item tendered for your account. We are relieved of any liability in connection with collection of such Items that are handled by us and we shall not be liable for acts of our agents, subagents or others, or for any casualty. You agree to indemnify us from any loss due to an endorsement or other writing being placed on an item in an incorrect manner or place under the Federal Reserve's Regulation CC or other applicable laws before it is accepted for deposit by us. Deposits: All non-cash items credited to an account shall be credited conditionally subject to final payment, and such items may be charged back from any account in which you have an ownership interest or the right to withdraw funds, at any time, until the proceeds thereof in money (U.S. Dollars) are received by us. If the Credit Union any item deposited in an account is required returned unpaid, each of you is jointly liable to reimburse the U.S. government RiverFall for any benefit payment directly deposited into your account for any reason, you agree the Credit Union may deduct the amount of the returned item and any charges, regardless of who deposited the item or benefited from any of your accounts, unless prohibited by lawthe transaction. Crediting of Deposits. Deposits made on Sundays and Credit Union holidays will We shall not be credited obligated to your account on the next business day. Deposits received at unnotify you that a non-staffed facilities such as night depositories and automated teller machines (ATMs) will be credited on the day funds are removed and processed by the Credit Union. Items drawn from an institution located outside the United States are handled on a collection basis only. Amounts will be credited to your account when we receive final payment. You waive any notice of nonpayment, dishonor, cash item has been dishonored or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. ACCOUNT ACCESS Authorized Signature. Your signature on the Membership Application authorizes your account accessnot otherwise collected. We will not be liable responsible for refusing recognizing any conditions of payment contained on an item deposited to honor any item or instruction if we believe the signature is drawn on an account, including, but not genuinelimited to, restrictive endorsements or postdated items. If you have authorized make a deposit or payment at an un-staffed depository, you agree that the use correct amount in the event of discrepancy between a written receipt or deposit slip will be the amount that we find in the envelope used to make the transaction. Account Termination: We reserve the right to require written consent of all account owners before terminating an account. In the event of a facsimile signaturedispute over the ownership of the funds in the account, we may honor any check or draft that appears you authorize us to bear your facsimile signature even if it was made by an unauthorized personinterplead the funds into a court of competent jurisdiction for a determination of ownership. You authorize us to deduct our costs and expenses involved in filing the interpleader, including attorneys’ fees, from the account funds and to file the remaining sum with the court. As long as we act in a manner consistent with good faith and the exercise of ordinary care, we may refuse to honor transactions initiated by a third person any request to whom you have given close your account number even if you do not authorize a particular transactionaccount. Access Options. You may withdraw or transfer funds from your account(s) in any manner we permit (e.g., at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable). We may return as unpaid any check or draft drawn on a form If we do not provideagree to close your account, you agree to indemnify and you are responsible hold us harmless for the amount of any loss we incur handling such a check or draftresulting from closing your account. We have the right to review terminate an account and approve all of our liability hereunder by mailing a check or draft for the balance of an account to the address of any form one of power you. Changes to the Agreement: Our Board of attorney Directors may amend these terms, conditions, rules and may restrict account withdrawals or transfersprocedures from time to time. We are under no obligation will notify you of such changes as required by law. The changes will be effective on the date that the Board specifies or as otherwise required by law. Regular Savings Requirements: If you reduce your regular savings balance below the $5 par value, you may be terminated from membership according to honor any power of attorneyour rules and bylaws. We reserve the right, at any time, to require you to give, in writing, not more than 60 days’ notice of intention to withdraw the whole or any part of the amounts so paid in by you. You may not withdraw savings that are pledged as required on security on loans without the written approval of a loan officer, except to the extent that such savings exceed what you owe to us or are contingently liable. You may withdraw savings only by using the methods which have been approved by us. Christmas Club Accounts: You authorize us to automatically transfer the balance in your Christmas Club account into your regular savings account on or about October 31. If you withdraw any funds from this account prior to the declaration of dividends, you will forfeit all dividends not yet credited, and this account may be closed. Certificate Accounts: Nothing contained in this Agreement shall be construed so as to make the Certificate account a demand deposit, and we reserve the right to restrict require at least seven days written notice of an intention to withdraw any funds in a Certificate account. This notice time may be increased according to our Bylaws or under applicable laws. You will receive a receipt for the funds deposited into the Certificate account withdrawals or transfers from you establish with us which is merely evidence of your Certificate account with us. This receipt is non-negotiable and non-transferable. Each Certificate account shall automatically renew for successive periods, each equal to the original term of the Certificate account, provided that until your receipt is presented for payment on any Maturity Date or until we give written notice of our election to pay out the funds in your Certificate account on a Maturity Date by mailing notice of such intention to you at least ten days prior to such Maturity Date. If we receive or give notice of an intention not to renew the Certificate account and the receipt is not presented for payment on a Maturity Date, we may at our option, either transfer all funds represented by the Certificate to any account you may withdraw from, or pay all funds in the Certificate account directly to you. You may request us to pay the funds in a Certificate account within ten days after any Maturity Date without penalty. If we pay any or all of the funds in a Certificate account before any Maturity Date, you shall forfeit the lesser of the early payment penalty shown on the Fee Schedule or all dividends earned since the issuance date or the date of any successive renewal period. If dividends previously paid exceed dividends payable under this penalty provision, the excess shall be deducted from the amount withdrawn. All earnings credited to a Certificate account may be withdrawn at any time without penalty. Certificate accounts may not be liable for pledged, transferred or assigned to any damages arising from any action we take regarding either (i) withdrawals or transfers; or (ii) payments or nonpayment of a check or draft, except for those damages which may arise solely as a result of the credit union’s negligenceparty other than RiverFall.