LARGE CURRENCY TRANSACTION REPORTS. We are required by law to report to FinCEN, a bureau of the U.S. Department of the Treasury, large domestic transactions in currency or coin and large foreign transactions that involve the movement of currency or coin or other monetary instruments into or out of the United States. We may report these transactions without notice to our clients. Please refer to "Suspicious Activity" below. LEGAL PROCESS We may accept and comply with any legal process (such as a levy, notice of garnishment, attachment, tax levy, injunction, restraining order, or subpoena for records) that we reasonably believe is valid and applies to your account or our relationship with you. We may accept and comply with any legal process served by mail, electronic mail transmission (email) or facsimile transmission or delivered to a location of ours other than the location designated by us for receipt of legal process or the branch or location at which the account, property or records are held. We may, but are not required, to notify you of the receipt of legal process. We will not send a notice if we believe the law prohibits us from doing so. You are responsible to assert any third party rights to the funds in any account maintained by you with us and we have no obligation to ascertain or assert the rights of such third parties. We may hold or hold and turn over funds or other property as directed by the legal process, subject to our right of setoff and any security interest we may have in the funds or other property. We do not pay interest on the funds during the period we hold them pursuant to legal process. If we hold or turn over funds, we may return checks and other items unpaid and refuse to permit withdrawals from your account with no liability to you. If the legal process applies to a CD, we may charge the applicable early withdrawal penalty for funds taken from the CD. If the legal process directs us to release information about one or more, but not all, accounts that are reported on a combined statement, we may release the entire combined statement. If the legal process directs us to release information within a certain timeframe, we may release the entire statement or other record which contains information within the requested timeframe and which may include information outside of the timeframe requested. If the legal process requests information about one or more, but not all, account owners or signers, we may release information about all co-owners and signers on the account and all accounts owned by such persons. We may charge a fee for handling such legal process and any associated costs at once against any account you maintain with us, including the account that is the subject of the legal process. We have no liability to you if we accept and comply with legal process as provided above or by law. LIMITATION ON ACTIONS Any action or proceeding based on an account error, discrepancy or unauthorized transaction, including a forged, unauthorized or missing signature on an item, or an alteration of an item, shall be brought or commenced within one (1) year after the date of the first account statement on which the error, discrepancy or unauthorized transaction appears. Unless a shorter period applies by law, any action or proceeding to recover money or other property deposited with us, including money deposited with us in a certificate of deposit or other instrument, shall be commenced within four (4) years of the last deposit or withdrawal or, in the case of a certificate of deposit or other instrument, within four years following the first maturity of the certificate or instrument without a further deposit or withdrawal. The crediting of interest to an account is not a deposit for the purposes of extending the time within which an action or proceeding to recover the money or property may be brought.
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LARGE CURRENCY TRANSACTION REPORTS. We are required by law to report to FinCEN, a bureau of the U.S. Department of the Treasury, large domestic transactions in currency or coin and large foreign transactions that involve the movement of currency or coin or other monetary instruments into or out of the United States. We may report these transactions without notice to our clients. Please refer to "Suspicious Activity" below. LEGAL PROCESS We may accept and comply with any legal process (such as a levy, notice of garnishment, attachment, tax levy, injunction, restraining order, or subpoena for records) that we reasonably believe is valid and applies to your account or our relationship with you. We may accept and comply with any legal process served by mail, electronic mail transmission (email) or facsimile transmission or delivered to a location of ours other than the location designated by us for receipt of legal process or the branch or location at which the account, property or records are held. We may, but are not required, to notify you of the receipt of legal process. We will not send a notice if we believe the law prohibits us from doing so. You are responsible to assert any third party rights to the funds in any account maintained by you with us and we have no obligation to ascertain or assert the rights of such third parties. We may hold or hold and turn over funds or other property as directed by the legal process, subject to our right of setoff and any security interest we may have in the funds or other property. We do not pay interest on the funds during the period we hold them pursuant to legal process. If we hold or turn over funds, we may return checks and other items unpaid and refuse to permit withdrawals from your account with no liability to you. If the legal process applies to a CD, we may charge the applicable early withdrawal penalty for funds taken from the CD. If the legal process directs us to release information about one or more, but not all, accounts that are reported on a combined statement, we may release the entire combined statement. If the legal process directs us to release information within a certain timeframe, we may release the entire statement or other record which contains information within the requested timeframe and which may include information outside of the timeframe requested. If the legal process requests information about one or more, but not all, account owners or signers, we may release information about all co-owners and signers on the account and all accounts owned by such persons. We may charge a fee for handling such legal process and any associated costs at once against any account you maintain with us, including the account that is the subject of the legal process. We have no liability to you if we accept and comply with legal process as provided above or by law. LIMITATION ON ACTIONS Any action or proceeding based on an account error, discrepancy or unauthorized transaction, including a forged, unauthorized or missing signature on an item, or an alteration of an item, shall be brought or commenced within one (1) year after the date of the first account statement on which the error, discrepancy or unauthorized transaction appears. Unless a shorter period applies by law, any action or proceeding to recover money or other property deposited with us, including money deposited with us in a certificate of deposit or other instrument, shall be commenced within four (4) years of the last deposit or withdrawal or, in the case of a certificate of deposit or other instrument, within four years following the first maturity of the certificate or instrument without a further deposit or withdrawal. The crediting of interest to an account is not a deposit for the purposes of extending the time within which an action or proceeding to recover the money or property may be brought.four
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Samples: Agreement
