Common use of Periodic Statement Clause in Contracts

Periodic Statement. If you have Personal Savings or Starter Savings accounts, you will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Tell us AT ONCE if you believe your code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your code, you can lose no more than $50 if someone used your code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Periodic Statement. If you I will receive a monthly statement (unless there are no transactions in a particular month), for the account(s) which I have Personal Savings accessed using the ATM Card, the ATM-Debit Card, or Starter Savings accountsElectronic Access Services which will show the calendar date that I initiated the transaction, you the type of transaction and the type of account(s) accessed by the transaction, and the amount of transactions occurring in that statement period. I will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, quarterly. I must tell you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Tell us AT ONCE if you I believe your code my ATM Card, ATM Debit Card, (collectively “Cards”) Electronic Access PIN, ATM PIN or ATM Debit Card PIN, (collectively “PINS”) has been lost or stolen, stolen or if you I believe that an electronic fund transfer has been made without your permission using information from your checkmy permission. Telephoning is the best way of keeping your my possible losses down. You A written notification to you should follow my telephone call. I could lose all the money in your my account (plus your my maximum overdraft line of credit). If However, if I believe my Card or PIN has been lost or stolen, and I tell you tell us within 2 two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my Card or PIN without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft of your codemy ATM Card, Electronic Access PIN or ATM PIN and you can lose no more than $50 if someone used your code without your permission. If prove you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code my ATM Card, Electronic Access PIN or ATM PIN without your my permission if you I had told usyou, you I could lose as much as $500500.00. Also, if your my statement shows transfers that you I did not make, including those made by card, code or other means, I must tell us you at once. If I do NOT tell you do not tell us within 60 sixty (60) days after the statement was mailed to youme, you I may not get back any money you I lost after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking the money if you I had told us you in time. I should also call the number or write to the address listed on the cover of this brochure if I believe a transfer has been made using the information from my check without my permission. If a good reason (such as a long trip or a hospital stay) kept you me from telling usyou, we you will extend the time periodsperiod. You allow non-Visa debit transaction processing. This means I may use my Visa® Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN to authenticate my transactions. The non-Visa debit networks for which such transactions are allowed is Star, Plus, and CO-OP. Examples of the types of actions that I may be required to make to initiate a Visa transaction on my Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions I may be required to make to initiate a transaction on a Pin-Debit Network include initiating a payment directly with the ▇▇▇▇▇▇ (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having my identity verified using known information derived from an existing relationship with us instead of through the use of a PIN. Please be advised that the terms and conditions of my agreement with use relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN- Debit Network. If I have any questions about non-Visa debit transactions, I will give you a call at (800) ▇▇▇- ▇▇▇▇. *Visa rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. I am fully liable for an electronic fund transfer from my account initiated by a person to whom I furnished my Card and/or other access to my account, even if such person exceeds the authority given, unless I have notified you that transfers by that other person are no longer authorized. If I believe my Card or PIN has been lost or stolen or that someone will or may use it to transfer money from my account without my permission, I must I must telephone you at: (▇▇▇) ▇▇▇-▇▇▇▇ or I must write you at: ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ El Monte, CA 91731 Attn: EFT or after business hours for an ATM Debit Card call (▇▇▇) ▇▇▇-▇▇▇▇. Preauthorized, automatic or telephone withdrawals or transfers from Savings Accounts are limited to no more than six (6) transfers in each calendar month. However, I may make an unlimited number of withdrawals from or transfers among my own Savings Accounts by mail, messenger or in person at the Credit Union or at an ATM. I may also make an unlimited number of withdrawals from my Savings Accounts through the Credit Union’s Electronic Access System or by telephone if I request that you send me a check. Transfers or withdrawals in excess of the above limitations will not be honored.

Periodic Statement. If you I will receive a monthly statement (unless there are no transactions in a particular month) for the account(s) that I have Personal Savings accessed using an Electronic CheckTransaction, the ATMs, Point of Sale terminals, 1st Call, ▇▇.▇▇▇▇▇▇,CU.transfer or Starter Savings accountsBillp@yer which will show the calendar date that I initiated the transaction, you the type of transaction and the type of account(s) accessed by the transactions, and the number of transactions occurring inthat statement period. I will get a quarterly statementstatement at least quarterly. If there is an electronic fund transfer on your accountcompleted. I may also subsequently contact you to request a paper receipt for any such transaction provided it is no more than three (3) months old. A fee may be charged for such a paper copy, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. If you have arranged to have direct deposits made subject to your account at least once every sixty Schedule of Fees and Charges. if I believe my checks, ATMCard, Visa Debit Card, Visa Credit Card, or my1st Call PIN, ATMPIN,VisaDebit CardPIN,VisaCredit CardPINor ▇▇.▇▇▇▇▇▇ Access Code, (60collectively “checks, Card(s) days from the same person or company, you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Tell us AT ONCE if you believe your code and/or PIN(s)”) has been lost or stolen, or if you I believe that an electronic fund transfer has been made without your permission using information from your checkhasbeenmadewithoutmypermissionusinginformationfrommycheck. Telephoning is the best way of keeping your my possible losses down. You A written notification to you should follow my telephone call. I could lose all the money in your account themoneyinmyaccount (plus your maximum overdraft line plusmymaximumoverdraft Personal Line of creditCredit). If However, if I believe my check(s), Card(s), and/or my PIN(s) has been lost or stolen, and I tell you tell us within 2 two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my check(s) (in an Electronic Check Transaction), Card(s), and/ or any of my PIN(s) without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft of your codemy check(s), Card(s,) and/or PIN(s) and you can lose no more than $50 if someone used your code without your permission. If prove you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code fromusing my check(s), in an Electronic Check Transaction, and/or my Card(s) and/or my PIN(s) without your my permission if you I had told usyou, you I could lose as much as $500500.00. If I am using a Visa consumer card including credit or debit card for transactions that take place on the Visa network system, I understand that Visa Operating Rules and Regulations provide for $0 liability for losses from unauthorized (fraudulent) activity. This does not apply to ATM transactions using a PIN. Also, if your my statement shows transfers transactions that you I did not make, including those made by cardCard, code PIN, or other means, I must tell us you at once. If I do NOT tell you do not tell us within 60 sixty (60) days after the statement was mailed or delivered to youme, you I may not get back any money you I lost after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking the money if you I had told us you in time. If I can document a good reason (such as a long trip or a hospital stay) kept me fromtelling you, you from telling us, we will extend the time periods.

Periodic Statement. If you I will receive a monthly statement (unless there are no transactions in a particular month), for the account(s) which I have Personal Savings accessed using the ATM Card, the ATM-Debit Card, or Starter Savings accountsElectronic Access Services which will show the calendar date that I initiated the transaction, you the type of transaction and the type of account(s) accessed by the transaction, and the amount of transactions occurring in that statement period. I will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, quarterly. I must tell you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Tell us AT ONCE if you I believe your code my ATM Card, ATM Debit Card, (collectively “Cards”) Electronic Access PIN, ATM PIN or ATM Debit Card PIN, (collectively “PINS”) has been lost or stolen, stolen or if you I believe that an electronic fund transfer has been made without your permission using information from your checkmy permission. Telephoning is the best way of keeping your my possible losses down. You A written notification to you should follow my telephone call. I could lose all the money in your my account (plus your my maximum overdraft line of credit). If However, if I believe my Card or PIN has been lost or stolen, and I tell you tell us within 2 two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my Card or PIN without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft of your codemy ATM Card, Electronic Access PIN or ATM PIN and you can lose no more than $50 if someone used your code without your permission. If prove you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code my ATM Card, Electronic Access PIN or ATM PIN without your my permission if you I had told usyou, you I could lose as much as $500500.00. Also, if your my statement shows transfers that you I did not make, including those made by card, code or other means, I must tell us you at once. If I do NOT tell you do not tell us within 60 sixty (60) days after the statement was mailed to youme, you I may not get back any money you I lost after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking the money if you I had told us you in time. I should also call the number or write to the address listed on the cover of this brochure if I believe a transfer has been made using the information from my check without my permission. If a good reason (such as a long trip or a hospital stay) kept you me from telling usyou, we you will extend the time periodsperiod. You allow non-Visa debit transaction processing. This means I may use my Visa® Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN to authenticate my transactions. The non-Visa debit networks for which such transactions are allowed is Star, Plus, and CO-OP. Examples of the types of actions that I may be required to make to initiate a Visa transaction on my Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions I may be required to make to initiate a transaction on a Pin-Debit Network include initiating a payment directly with the ▇▇▇▇▇▇ (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having my identity verified using known information derived from an existing relationship with us instead of through the use of a PIN. Please be advised that the terms and conditions of my agreement with use relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN- Debit Network. If I have any questions about non-Visa debit transactions, I will give you a call at (800) ▇▇▇- ▇▇▇▇. *Visa rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. I am fully liable for an electronic fund transfer from my account initiated by a person to whom I furnished my Card and/or other access to my account, even if such person exceeds the authority given, unless I have notified you that transfers by that other person are no longer authorized. If I believe my Card or PIN has been lost or stolen or that someone will or may use it to transfer money from my account without my permission, I must I must telephone you at: (▇▇▇) ▇▇▇-▇▇▇▇ or I must write you at: ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ El Monte, CA 91731 Attn: EFT or after business hours for an ATM Debit Card call (▇▇▇) ▇▇▇-▇▇▇▇. Preauthorized, automatic or telephone withdrawals or transfers from Savings Accounts are limited to no more than six (6) transfers in each calendar month. However, I may make an unlimited number of withdrawals from or transfers among my own Savings Accounts by mail, messenger or in person at the Credit Union or at an ATM. I may also make an unlimited number of withdrawals from my Savings Accounts through the Credit Union’s Electronic Access System or by telephone if I request that you send me a check. Transfers or withdrawals in excess of the above limitations will not be honored.

Periodic Statement. If you have Exceptional Savings, Personal Savings or Starter Savings accounts, you will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Tell us AT ONCE if you believe your code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your code, you can lose no more than $50 if someone used your code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.