Common use of YOUR OBLIGATIONS TO US Clause in Contracts

YOUR OBLIGATIONS TO US. If we incur any fees, charges, costs, interest, losses, liability or ob- ligation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable attorney fees) you owe to us at all addresses, phone num- bers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 18.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they are specifically covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSA, you and we agree the success- ful party is entitled to payment by the losing party for any reasona- ble attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any loss, related expenses, fees, charges, costs, interest, losses, liability or ob- ligation (including reasonable attorney fees) in connection with and/or lia- bility on an account, loan, product or service we have provided you, account or as a result of any action, transaction, error, dispute, uncertaintyun- certainty, mem- bership or other membership matter concerning you, any obligated person owner on the account, your representative or yousigner, you agree that you are jointly and individually liable to us. This means you are responsible us for the full repayment of any that loss and related expenses, fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by usliability. You agree that we may contact you about any that loss, related expenses, fees including reasonable attorney fees, charges, costs, interest, losses, liability or obligation (including rea- sonable attorney fees) any obli- gation that you owe to us at all addresses, phone num- bers numbers and email e- mail addresses you have shared with us by provided in Part 1 of this Contract or any method of communication you have agreed toupdated address reflected in our records. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any loss, related expenses, fees, charges, costs, interest, losses, and liability or obligation (including reasonable attorney feesfrom your account(s) from the ac- count(s) you have with us without notice to you, you regardless of the source of those funds according to funds, including directly deposited government entitlements or benefits such as social security deposits. However, our security interest, any right of set off and any lien rights and contractual security interest (please see Provision 18.)do not apply to re- tirement accounts or real estate loans. You agree if Additionally you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable charges, fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) expenses we may incur in providing you with accountsmembership, loansan account, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they any transaction or related service(s) that are specifically not covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organizationthis Contract. If either you or we commence the Credit Union is required to initiate legal proceedings action to enforce en- force or in- terpret interpret any of the terms terms, responsibilities, or liabilities of the BSAthis Contract, you and we the Credit Union agree that the success- ful successful party is entitled to payment by the losing party for any reasona- ble collection costs incurred by either party or collection agency, and to reason- able attorney fees and costs, including those incurred on any appealap- peal, bankruptcy proceeding proceeding, and post-judgment action, action unless otherwise limited or prohibited. You and your estate agree to indemnify, defend us against, and hold us harmless from and agree to indemnify and defend us against any claim or legal action arising from our right to recover for any loss, damageexpense, claimfees, liabil- ity or legal action (including reasonable attorney fees) arising charges, and liability we incur as a result of your account and any transaction on your account. If you cause us a loss, you understand and agree that we may deny you ser- vices, close your accounts and even expel you from or related to membership, accountsas addressed in this Contract, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past dueour policies, or you are as otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is curedal- lowed.

YOUR OBLIGATIONS TO US. If we incur any fees, charges, costs, interest, losses, liability or ob- ligation obli- gation (including reasonable attorney fees) in connection with an accountac- count, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership membership or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible responsi- ble for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization person is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organizationowner’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable reasonable attorney fees) you owe to us at all addresses, phone num- bers numbers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership membership is a privilege, if you cause us a loss (even if discharged dis- charged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vicesservices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination termi- nation of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations ob- ligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 18.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they are specifically covered by the BSA MSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSAMSA, you and we agree the success- ful successful party is entitled to payment by the losing party for any reasona- ble reasonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless un- less otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services ser- vices and your actions and transactions on the same. If any account ac- count is overdrawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any fees, charges, costs, interest, losses, liability or ob- ligation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable attorney fees) you owe to us at all addresses, phone num- bers numbers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership membership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vicesservices, or to be eligible for additional new products and servicesser- vices. Your failure to voluntarily repay a loss may result in denial or ter- mination termination of existing accounts, products and services and expulsion expul- sion from membership. You also agree that if you are ever obligated obli- gated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting report- ing agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain re- tain the right to collect that debt. If we are required to report a cancellation can- cellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 18.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they are specifically covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSA, you and we agree the success- ful party is entitled to payment by the losing party for any reasona- ble attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any loss, related expenses, fees, charges, costs, interest, losses, interest and/or liability or ob- ligation (including includ- ing reasonable attorney fees) in connection with on an account, loan, product account or service we have provided to you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership uncertainty or other membership matter concerning any obligated person you, an owner, signer, information user, beneficiary/POD payee, trustee, successor trustee or youfiduciary, you agree that you are jointly and individually liable to us. This means you are responsible us for the full repayment of any that loss and related expenses, fees, charges, costs, interest, losses, interest and liability or obligation (including reasonable attorney fees), whether you are still a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree that we may contact you about any that loss, expenses, fees, charges, costs, interest, losses, liability or and/or any obligation (including rea- sonable reasonable attorney fees) that you owe to us at all addresses, phone num- bers numbers and email e-mail addresses you have shared with us by provided in Part 1 of this Agreement or any method of communication you have agreed toupdated address reflected in our records. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to repay us for anythingany loss, expenses, fees, charges and/or liability in connection with your accounts, loans or any related account or loan service you have or had with us, that we may share your information with any associate affili- ated person or organization (such as including collection agencies or attorneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member of our the Credit Union. You understand agree that we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any loss, expenses, fees, charges, costs, interest, losses, interest and/or liability or obligation (including reasonable attorney fees) from the ac- count(syour account(s) you have with us without notice to you, you regardless of the source of those funds according to funds, including directly de- posited government entitlements or benefits such as social security deposits. How- ever, our security interest, any right of set off and any lien rights and contractual security interest (please see Provision 18.)do not apply to re- tirement accounts. You agree if Additionally, you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable charges, fees, charges, costs, interest, losses, liability or obligation interest and/or expenses (including reasonable attorney fees) we may incur in providing you with accountsmembership, loans, products, ser- vices, membership and actions an account or transactions on the same, re- gardless of whether they any transaction or related service that are specifically not covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organizationthis Agreement. If either you or we commence the Credit Union is required to initiate legal proceedings action to enforce or in- terpret interpret any of the terms terms, responsibilities or liabilities of the BSAthis Agreement, you and we the Credit Union agree that the success- ful successful party is entitled to payment by the losing party for any reasona- ble collection costs incurred by either party or collection agency, and to reasonable attorney fees and costs, including those incurred in- curred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise oth- erwise limited or prohibited. You and your estate agree to indemnify, indemnify and defend us against, against and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action arising from our right to recover for any loss, expense, fees, charges, interest and liability (including reasonable attorney fees) arising from or related to membership, accounts, loans, products we incur as a result of your account and services and any transaction on your actions and transactions on the sameaccount. If any account is overdrawnyou cause us a loss, any loan is past due, or you are otherwise in default under any contract you have with us, understand and acknowledge that we may suspend your ability to conduct actions or transactions on any or all accounts, products deny you accounts and services, until the default is curedclose or terminate your accounts and services, and even expel you from membership, as addressed in this Agreement, our policies or as otherwise allowed.

YOUR OBLIGATIONS TO US. If we incur any loss, related expenses, fees, charges, costs, interest, losses, and liability or ob- ligation (including reasonable attorney fees) in connection with on an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other membership matter concerning you, any obligated person owner on the account, agent, or youfiduciary, you agree that you are jointly and individually liable to us. This means you are responsible us for the full repayment of any that loss, and related expenses, fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by usliability. You agree that we may contact you about any that loss, related expenses, fees reasonable attorney fees, charges, costsliability, interest, losses, liability or any obligation (including rea- sonable attorney fees) that you owe to us at all addresses, phone num- bers numbers, and email addresses you have shared with us by provided in Part 1 of this Contract or any method of communication you have agreed toupdated address reflected in our records. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any loss, related expenses, fees, charges, costs, interest, losses, and liability or obligation (including reasonable attorney feesfrom your account(s) from the ac- count(s) you have with us without notice to you, you regardless of the source of those funds according to funds, including directly deposited government entitlements or benefits such as social security deposits. However, our security interest, any right of set off and any lien rights and contractual security interest (please see Provision 18.)do not apply to retirement accounts. You agree if Additionally, you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable charges, fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) expenses we may incur in providing you with accountsmembership, loansan account, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they any transaction or related service that are specifically not covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organizationthis Contract. If either you or we commence the Credit Union is required to initiate legal proceedings action to enforce or in- terpret interpret any of the terms terms, responsibilities, or liabilities of the BSAthis Contract, you and we the Credit Union agree that the success- ful successful party is entitled to payment by the losing party for any reasona- ble collection costs incurred by either party or collection agency, and to reasonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding proceeding, and post-post- judgment action, unless otherwise limited or prohibited. You and your estate agree to indemnify, defend us against, and hold us harmless from and agree to indemnify and defend us against any claim or legal action arising from our right to recover for any loss, damageexpense, claimfees, liabil- ity or legal action (including reasonable attorney fees) arising charges, and liability we incur as a result of your account and any transaction on your account. If you cause us a loss, you understand and agree that we may deny you services, close your accounts, and even expel you from or related to membership, accountsas addressed in this Contract, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past dueour policies, or you are as otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is curedallowed.

YOUR OBLIGATIONS TO US. ‌ If we incur any fees, charges, costs, interest, losses, liability or ob- ligation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other matter concerning any obligated person or you, you agree that you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable rea- sonable attorney fees), whether you are a member or not. If another person, business or organization an- other person is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand that if you owe us money and use another person’s, business’s or organizationowner’s account at our Credit Union for a transaction and deposit your funds or a check in that account, those funds from the deposit or check are also subject sub- ject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable attorney fees) that you owe to us at all addresses, phone num- bers numbers and email e-mail addresses you have shared with us by any method of communication you have agreed to. You understand that since mem- bership membership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vicesservices, or to be eligible for new additional new products and servicesser- vices. Your failure to voluntarily repay a loss may result in denial or ter- mination termination of existing accounts, products and services and expulsion expul- sion from membership. You also agree that if you are ever obligated obli- gated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member of our the Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting report- ing agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain re- tain the right to collect that debt. If we are required to report a cancellation can- cellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(saccount(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest in- terest (please see Provision 1819.). You agree that if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability lia- bility or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vicesservices, membership member- ship and actions or transactions on the same, re- gardless regardless of whether they are specifically covered by the BSA MSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) otherwise may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSAMSA, you and we agree the success- ful suc- cessful party is entitled to payment by the losing party for any reasona- ble rea- sonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on to any or all accounts, products and products, services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any loss, related expenses, fees, charges, costs, interest, losses, and/or liability or ob- ligation (including reasonable attorney fees) in connection with on an account, loan, product or service we have provided you, account or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other membership matter concerning con- cerning you, any obligated person owner on the account, your representative or yousigner, you agree that you are jointly and individually liable to us. This means you are responsible us for the full repayment of any that loss and re- lated expenses, fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by usliability. You agree that we may contact you about any that loss, related expenses, fees including reasonable attorney fees, charges, costs, interest, losses, liability or any obligation (including rea- sonable attorney fees) that you owe to us at all addresses, phone num- bers numbers and email e- mail addresses you have shared with us by provided in Part 1 of this Contract or any method of communication you have agreed toupdated address reflected in our records. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any loss, related expenses, fees, charges, costs, interest, losses, and liability or obligation (including reasonable attorney feesfrom your account(s) from the ac- count(s) you have with us without notice to you, you regardless of the source of those funds according to funds, including directly deposited government entitlements or bene- fits such as social security deposits. However, our security interest, any right of set off and any lien rights and contractual security interest (please see Provision 18.)do not apply to retirement accounts or real estate loans. You agree if Addi- tionally you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable charges, fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) expenses we may incur in providing you with accountsmembership, loansan account, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they any transaction or related service(s) that are specifically not covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organizationthis Contract. If either you or we commence the Credit Union is required to initiate legal proceedings action to enforce or in- terpret interpret any of the terms terms, responsibili- ties, or liabilities of the BSAthis Contract, you and we the Credit Union agree that the success- ful successful party is entitled to payment by the losing party for any reasona- ble collection costs incurred by either party or collection agency, and to reasonable attorney fees and costs, including includ- ing those incurred on any appeal, bankruptcy proceeding proceeding, and post-judgment action, action unless otherwise limited or prohibited. You and your estate agree to indemnify, hold us harm- less from and agree to indemnify and defend us against, and hold us harmless against any claim or legal action arising from our right to recover for any loss, damageexpense, claimfees, liabil- ity or legal action (including reasonable attorney fees) arising charges, and liability we incur as a result of your account and any transaction on your account. If you cause us a loss, you understand and agree that we may deny you services, close your accounts and even expel you from or related to membership, accountsas addressed in this Contract, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past dueour policies, or you are as otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is curedallowed.

YOUR OBLIGATIONS TO US. If we incur any loss, related expenses, fees, charges, costs, interest, losses, interest and/or liability or ob- ligation (including includ- ing reasonable attorney fees) in connection with on an account, loan, product account or service we have provided to you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership uncertainty or other membership matter concerning any obligated person you, an owner, agent, information user, beneficiary/POD payee, trustee, successor trustee or youfiduciary, you agree that you are jointly and individually liable to us. This means you are responsible us for the full repayment of any that loss and related expenses, fees, charges, costs, interest, losses, interest and liability or obligation (including reasonable attorney fees), whether you are still a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree that we may contact you about any that loss, expenses, fees, charges, costs, interest, losses, liability or and/or any obligation (including rea- sonable reasonable attorney fees) that you owe to us at all addresses, phone num- bers numbers and email e-mail addresses you have shared with us by provided in Part 1 of this Agreement or any method of communication you have agreed toupdated address reflected in our records. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to repay us for anythingany loss, expenses, fees, charges and/or liability in connection with your accounts, loans or any related account or loan service you have or had with us, that we may share your information with any associate affili- ated person or organization (such as including collection agencies or attorneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member of our the Credit Union. You understand agree that we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any loss, expenses, fees, charges, costs, interest, losses, interest and/or liability or obligation (including reasonable attorney fees) from the ac- count(syour account(s) you have with us without notice to you, you regardless of the source of those funds according to funds, including directly de- posited government entitlements or benefits such as social security deposits. How- ever, our security interest, any right of set off and any lien rights and contractual security interest (please see Provision 18.)do not apply to re- tirement accounts. You agree if Additionally, you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable charges, fees, charges, costs, interest, losses, liability or obligation interest and/or expenses (including reasonable attorney fees) we may incur in providing you with accountsmembership, loans, products, ser- vices, membership and actions an account or transactions on the same, re- gardless of whether they any transaction or related service that are specifically not covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organizationthis Agreement. If either you or we commence the Credit Union is required to initiate legal proceedings action to enforce or in- terpret interpret any of the terms terms, responsibilities or liabilities of the BSAthis Agreement, you and we the Credit Union agree that the success- ful successful party is entitled to payment by the losing party for any reasona- ble collection costs incurred by either party or collection agency, and to reasonable attorney fees and costs, including those incurred in- curred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise oth- erwise limited or prohibited. You and your estate agree to indemnify, indemnify and defend us against, against and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action arising from our right to recover for any loss, expense, fees, charges, interest and liability (including reasonable attorney fees) arising from or related to membership, accounts, loans, products we incur as a result of your account and services and any transaction on your actions and transactions on the sameaccount. If any account is overdrawnyou cause us a loss, any loan is past due, or you are otherwise in default under any contract you have with us, understand and acknowledge that we may suspend your ability to conduct actions or transactions on any or all accounts, products deny you accounts and services, until the default is curedclose or terminate your accounts and services, and even expel you from membership, as addressed in this Agreement, our policies or as otherwise allowed.

YOUR OBLIGATIONS TO US. If we incur any fees, charges, costs, interest, losses, liability or ob- ligation obli- gation (including reasonable attorney fees) in connection with an accountac- count, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership membership or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible responsi- ble for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization person is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organizationowner’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable reasonable attorney fees) you owe to us at all addresses, phone num- bers numbers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership membership is a privilege, if you cause us a loss (even if discharged dis- charged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vicesservices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination termi- nation of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations ob- ligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 18.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they are specifically covered by the BSA MSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSAMSA, you and we agree the success- ful suc- cessful party is entitled to payment by the losing party for any reasona- ble rea- sonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any fees, charges, costs, interest, losses, liability or ob- ligation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization person is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organizationowner’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable reasonable attorney fees) you owe to us at all addresses, phone num- bers numbers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership membership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membershipmember- ship, accounts, products and ser- vicesservices, or to be eligible for additional addi- tional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination termination of existing accounts, products prod- ucts and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneysat- torneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 18.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they are specifically covered by the BSA MSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSAMSA, you and we agree the success- ful suc- cessful party is entitled to payment by the losing party for any reasona- ble rea- sonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any loss, related expenses, fees, charges, costs, interest, losses, interest and/or liability or ob- ligation (including includ- ing reasonable attorney fees) in connection with on an account, loan, product account or service we have provided to you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership uncertainty or other membership matter concerning any obligated person you, the owner, a representative, signer, information user or youfiduciary, you agree that you are jointly and individually liable to us. This means you are responsible us for the full repayment of any that loss and re- lated expenses, fees, charges, costs, interest, losses, interest and liability or obligation (including reasonable attorney fees), whether you are still a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree that we may contact you about any that loss, expenses, fees, charges, costs, interest, losses, liability or and/or any obligation (including rea- sonable in- cluding reasonable attorney fees) that you owe to us at all addresses, phone num- bers and email e-mail addresses you have shared with us by provided in Part 1 of this Agreement or any method of communication you have agreed toupdated ad- dress reflected in our records. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to repay us for anythingany loss, expenses, fees, charges and/or liability in connec- tion with your accounts, loans or any related account or loan service you have or had with us, that we may share your information with any associate affiliated person or organization (such as including collection agencies or attorneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member of our the Credit Union. You understand agree that we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any loss, expenses, fees, charges, costs, interest, losses, interest and/or liability or obligation (including reasonable attorney fees) from the ac- count(syour account(s) you have with us without notice to you, you regardless of the source of those funds according to funds, including directly deposited government entitlements or benefits such as social security deposits. However, our security interest, any right of set off and any lien rights and contractual security interest (please see Provision 18.)do not apply to retirement accounts. You agree if Additionally, you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable charges, fees, charges, costs, interest, losses, liability or obligation interest and/or expenses (including reasonable attorney fees) we may incur in providing you with accountsmembership, loans, products, ser- vices, membership and actions an account or transactions on the same, re- gardless of whether they any transaction or related service that are specifically not covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organizationthis Agreement. If either you or we commence the Credit Union is required to initiate legal proceedings action to enforce or in- terpret interpret any of the terms terms, responsibilities or liabilities of the BSAthis Agreement, you and we the Credit Union agree that the success- ful successful party is entitled to payment by the losing party for any reasona- ble collection costs incurred by either party or collection agency, and to reasonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-post- judgment action, unless otherwise limited or prohibited. You and your estate agree to indemnify, indemnify and defend us against, against and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action arising from our right to recover for any loss, expense, fees, charges, interest and liability (including reasonable attorney fees) arising from or related to membership, accounts, loans, products we incur as a result of your account and services and any transaction on your actions and transactions on the sameaccount. If any account is overdrawnyou cause us a loss, any loan is past due, or you are otherwise in default under any contract you have with us, under- stand and acknowledge that we may suspend your ability to conduct actions or transactions on any or all accounts, products deny you accounts and services, until the default is curedclose or termi- nate your accounts and services, and even expel you from membership, as addressed in this Agreement, our policies or as otherwise allowed.

YOUR OBLIGATIONS TO US. If we incur any fees, charges, costs, interest, losses, liability or ob- ligation obligation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership membership or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations obli- gations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable reasonable attorney fees) you owe to us at all addresses, phone num- bers numbers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership membership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vicesservices, or to be eligible for additional new addi- tional products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination termination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection collection of your obligationob- ligation, whether or not you are still a member of our the Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstancescir- cumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 18.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interestin- terest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, productsprod- ucts, ser- vicesservices, membership and actions or transactions on the same, re- gardless regardless of whether they are specifically covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) otherwise may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSA, you and we agree the success- ful suc- cessful party is entitled to payment by the losing party for any reasona- ble reasonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise other- wise in default under any contract you have with us, we may suspend sus- pend your ability to conduct actions or transactions on to any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. ‌ If we incur any fees, charges, costs, interest, losses, liability or ob- ligation obli- gation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other matter concerning any obligated person or you, you agree that you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable rea- sonable attorney fees), whether you are a member or not. If another person, business or organization anoth- er person is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand that if you owe us money and use another person’s, business’s or organizationowner’s account at our Credit Union for a transaction and deposit your funds or a check in that account, those funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable attorney fees) that you owe to us at all addresses, phone num- bers numbers and email e-mail addresses you have shared with us by any method of communication you have agreed to. You understand that since mem- bership membership is a privilege, if you cause us a loss (even if discharged dis- charged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vicesservices, or to be eligible for new additional new products and servicesser- vices. Your failure to voluntarily repay a loss may result in denial or ter- mination termination of existing accounts, products and services and expulsion expul- sion from membership. You also agree that if you are ever obligated obligat- ed to us for anything, we may share your information with any associate as- sociate (such as collection agencies or attorneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member mem- ber of our the Credit Union. You understand we may report any delinquent xxxxx- xxxxx obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 1819.). You agree that if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interestin- terest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, productsprod- ucts, ser- vicesservices, membership and actions or transactions on the same, re- gardless regardless of whether they are specifically covered by the BSA MSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) otherwise may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSAMSA, you and we agree the success- ful suc- cessful party is entitled to payment by the losing party for any reasona- ble reasonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise other- wise in default under any contract you have with us, we may suspend sus- pend your ability to conduct actions or transactions on to any or all accounts, products and products, services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any loss, related expenses, fees, charges, costs, interest, losses, interest and/or liability or ob- ligation (including reasonable attorney fees) in connection with on an account, loan, product account or service we have provided to you, or as a result of any action, transaction, errortransac- tion, dispute, uncertainty, mem- bership uncertainty or other membership matter concerning any obligated person you, the owner, a representative, signer, information user or youfiduciary, you agree that you are jointly and individually liable to us. This means you are responsible us for the full repayment of any that loss and related expenses, fees, charges, costs, interest, losses, interest and liability or obligation (including reasonable attorney fees), whether you are still a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree that we may contact you about any that loss, expenses, fees, charges, costs, interest, losses, liability or and/or any obligation (including rea- sonable reasonable attorney fees) that you owe to us at all addresses, phone num- bers numbers and email e-mail addresses you have shared with us by pro- vided in Part 1 of this Contract or any method of communication you have agreed toupdated address reflected in our records. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated ob- ligated to repay us for anythingany loss, expenses, fees, charges and/or liability in connection with your accounts, loans or any related ac- count or loan service you have or had with us, that we may share your information with any associate affiliated person or organization (such as includ- ing collection agencies or attorneys) assisting us with the col- lection collec- tion of your obligation, whether or not you are still a member of our the Credit Union. You understand agree that we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any loss, ex- penses, fees, charges, costs, interest, losses, interest and/or liability or obligation (including reasonable reasona- ble attorney fees) from the ac- count(syour account(s) you have with us without notice to you, regardless you re- gardless of the source of those funds according to funds, including directly deposited government entitlements or benefits such as social security de- posits. However, our security interest, any right of set off and any lien rights and contractual security interest (please see Provision 18.)do not apply to retirement accounts. You agree if Additionally, you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable charges, fees, charges, costs, interest, losses, liability or obligation interest and/or expenses (including reasonable attorney fees) we may incur in- cur in providing you with accountsmembership, loans, products, ser- vices, membership and actions an account or transactions on the same, re- gardless of whether they any transaction or related service that are specifically not covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organizationthis Contract. If either you or we commence the Credit Union is required to initiate legal proceedings action to enforce en- force or in- terpret interpret any of the terms terms, responsibilities or liabilities of the BSAthis Contract, you and we the Credit Union agree that the success- ful successful party is entitled to payment by the losing party for any reasona- ble collection costs incurred by either party or collection agency, and to reason- able attorney fees and costs, including those incurred on any appealap- peal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You and your estate agree to indemnify, in- demnify and defend us against, against and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action arising from our right to recover for any loss, expense, fees, charges, interest and liabil- ity (including reasonable attorney fees) arising from or related to membership, accounts, loans, products we incur as a result of your account and services and any transaction on your actions and transactions on the sameaccount. If any account is overdrawnyou cause us a loss, any loan is past due, or you are otherwise in default under any contract you have with us, understand and acknowledge that we may suspend your ability to conduct actions or transactions on any or all accounts, products deny you accounts and services, until the default is curedclose or terminate your accounts and services, and even expel you from membership, as addressed in this Contract, our policies or as otherwise allowed.

YOUR OBLIGATIONS TO US. This Hire Agreement is personal to You. You must not allow nor authorise any other person or entity to use, re-hire or have possession of the Equipment at any time, unless expressly agreed by Us in writing. Despite clause 8.1, the following persons may use the Equipment, provided that You have, at the time of hiring, given Us a list of their names and the location where the Equipment will be so used: A member of Your immediate family; A member of Your band or performance group; An employee or agent of Yours. You agree that before accepting the Equipment, You have satisfied Yourself as to the suitability, condition and fitness for purpose of the Equipment for the job You intend to use it for. Subject to clauses 11.2 and 11.3, We make no representations and give no guarantee or warranty that the Equipment is suitable for Your intended purpose. To help You stay safe during the Hire Period, You and Your employees, agents and contractors must: Operate the Equipment safely, strictly in accordance with all laws, only for its intended use and in accordance with the manufacturer's instructions; Ensure persons operating or erecting the Equipment are suitably trained on its safe and proper use, and qualified to use the Equipment; and Ensure that no persons operating the Equipment are under the influence of drugs or alcohol. You are responsible for the Equipment for the Hire Period. It is important to take care of the Equipment during the Hire Period. You must: Clean and keep the Equipment in good condition and in accordance with the manufacturer's and Our instructions at Your own cost; Not in any way alter, modify, tamper with, damage or repair the Equipment without Our prior written consent; and Not deface, remove, vary or erase any identifying marks, plate, number, notices or safety information, on the Equipment. At all times during the Hire Period, You must store the Equipment safely and securely and protected from theft, seizure, loss or damage. You will allow Us to enter Your premises and inspect the Equipment from time to time during the Hire Period. You can also request to conduct a joint inspection of the Equipment with Us at the end of the Hire Period. Whenever You are moving the Equipment, You must ensure the safe loading, securing and transporting of all Equipment in accordance with all laws and manufacturer’s guidelines. You (or any contractor You engage) must observe any safety directions advised by Us and/or the manufacturer of the Equipment to ensure its safe loading and handling. At the end of the Hire Period, You must return the Equipment to Us in the same clean condition and good working order it was in when You received it, ordinary fair wear and tear excluded. If we incur any feesYou do not properly clean the Equipment, chargesWe will charge You a cleaning cost. Except in the circumstances set out in clause 8.12 below, costsit is Your responsibility to return the Equipment in good working condition to Us during normal business hours. If You have requested, interestand We have agreed, lossesto collect the Equipment from You, liability You must ensure it is kept safe and secure until the time of collection. In the event that the Equipment breaks down or ob- ligation (including reasonable attorney fees) in connection with an account, loan, product becomes unsafe to use during the Hire Period You must: Immediately stop using the Equipment and notify Us; Take all steps necessary to prevent injury occurring to persons or service we have provided you, or property as a result of the condition of the Equipment; Take all steps necessary to prevent any action, transaction, error, dispute, uncertainty, mem- bership further damage to the Equipment itself; and Not repair or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from repair the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable attorney fees) you owe to us at all addresses, phone num- bers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us Equipment without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 18Our written consent.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they are specifically covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSA, you and we agree the success- ful party is entitled to payment by the losing party for any reasona- ble attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any loss, related expenses, fees, charges, costs, interest, losses, and liability or ob- ligation (including reasonable attorney fees) in connection with on an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertaintyuncer- tainty, mem- bership or other membership matter concerning you, any obligated person owner on the account, agent, or youfiduciary, you agree that you are jointly and individually liable to us. This means you are responsible us for the full repayment of any that loss, and re- lated expenses, fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organization’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by usliability. You agree that we may contact you about any that loss, related expenses, fees reasona- ble attorney fees, charges, costsliability, interest, losses, liability or any obligation (including rea- sonable attorney fees) that you owe to us at all addresses, phone num- bers numbers, and email addresses you have shared with us by pro- vided in Part 1 of this Contract or any method of communication you have agreed toupdated address reflected in our records. You understand since mem- bership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vices, or to be eligible for additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection of your obligation, whether or not you are still a member of our Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any loss, related expenses, fees, charges, costs, interest, losses, and liability or obligation (including reasonable attorney feesfrom your account(s) from the ac- count(s) you have with us without notice to you, you regardless of the source of those funds according to funds, including directly deposited government entitlements or benefits such as social security deposits. However, our security interest, any right of set off and any lien rights and contractual security interest (please see Provision 18.)do not apply to re- tirement accounts. You agree if Additionally, you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable charges, fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) expenses we may incur in providing you with accountsmembership, loansan account, products, or any transaction or related ser- vices, membership and actions or transactions on the same, re- gardless of whether they vice that are specifically not covered by the BSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) may be used to repay your obligations to us before any funds are released to any other person or organizationthis Contract. If either you or we commence the Credit Union is required to initiate legal proceedings action to enforce or in- terpret interp- ret any of the terms terms, responsibilities, or liabilities of the BSAthis Contract, you and we the Credit Union agree that the success- ful successful party is entitled en- titled to payment by the losing party for any reasona- ble attorney collection costs in- curred by either party or collection agency, and to reasonable at- xxxxxx fees and costs, including those incurred on any appeal, bankruptcy proceeding proceeding, and post-judgment action, unless otherwise other- wise limited or prohibited. You and your estate agree to indemnify, defend us against, and hold us harmless from and agree to indemnify and defend us against any claim or legal action arising from our right to recover for any loss, damageexpense, claimfees, liabil- ity or legal action (including reasonable attorney fees) arising charges, and liability we incur as a result of your account and any transaction on your account. If you cause us a loss, you understand and agree that we may deny you services, close your accounts, and even expel you from or related to membership, accountsas addressed in this Contract, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past dueour policies, or you are as otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on any or all accounts, products and services, until the default is curedallowed.

YOUR OBLIGATIONS TO US. ‌ If we incur any fees, charges, costs, interest, losses, liability or ob- ligation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees), whether you are a member or not. If another person, business or organization person is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organizationowner’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable reasonable attorney fees) you owe to us at all addresses, phone num- bers numbers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership membership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membershipmember- ship, accounts, products and ser- vicesservices, or to be eligible for additional new ad- ditional products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination termination of existing accounts, products prod- ucts and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneysat- torneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member of our the Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 1819.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vices, membership and actions or transactions on the same, re- gardless of whether they are specifically covered by the BSA MSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) otherwise may be used to repay your obligations to us before any funds are released to any other person or organization. ~ If either you or we commence legal proceedings (including arbitration) to enforce or in- terpret interpret any of the terms of the BSAMSA, and we prevail in such proceedings, you and agree that we agree the success- ful party is are entitled to payment by the losing party for any reasona- ble reasonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend de- fend us against, and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on to any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any fees, charges, costs, interest, losses, liability or ob- ligation obligation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertaintyuncertain- ty, mem- bership membership or other matter concerning any obligated person or you, you agree you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including in- cluding reasonable attorney fees), whether you are a member or not. If another person, business or organization per- son is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand if you owe us money and use another person’s, business’s or organizationowner’s account at our Credit Union for a transaction and deposit your funds or a check in that account, funds from the deposit or check are also subject to our lien rights, security se- curity interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable reasonable attorney fees) you owe to us at all addresses, phone num- bers numbers and email addresses you have shared with us by any method of communication you have agreed to. You understand since mem- bership membership is a privilege, if you cause us a loss (even if discharged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vicesservices, or to be eligible for new additional new products and services. Your failure to voluntarily repay a loss may result in denial or ter- mination termination of existing accounts, products and services and expulsion from membership. You also agree that if you are ever obligated to us for anything, we may share your information with any associate (such as collection agencies or attorneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member of our the Credit Union. You understand we may report any delinquent obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including in- cluding reasonable attorney fees) from the ac- count(saccount(s) you have with us without notice no- xxxx to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 1819.). You agree if you owe us money and either you or we have terminated an account, we may re-start an account ac- count to receive a deposit or credit, collect the money owed to us, and then terminate termi- nate the account again. You also agree to pay any other reasonable fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, products, ser- vicesservices, membership and actions or transactions on the same, re- gardless regardless of whether they are specifically covered cov- ered by the BSA MSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) otherwise may be used to repay your obligations to us before any funds are released to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret interpret any of the terms of the BSAMSA, you and we agree the success- ful successful party is entitled to payment by the losing party for any reasona- ble reasonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless harm- less from any loss, damage, claim, liabil- ity liability or legal action (including reasonable attorney at- xxxxxx fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawnover- drawn, any loan is past due, or you are otherwise in default under any contract you have with us, we may suspend your ability to conduct actions or transactions on to any or all accounts, products and services, until the default is cured.

YOUR OBLIGATIONS TO US. If we incur any fees, charges, costs, interest, losses, liability or ob- ligation obli- gation (including reasonable attorney fees) in connection with an account, loan, product or service we have provided you, or as a result of any action, transaction, error, dispute, uncertainty, mem- bership or other matter concerning any obligated person or you, you agree that you are jointly and individually liable to us. This means you are responsible for the full repayment of any fees, charges, costs, interest, losses, liability or obligation (including reasonable rea- sonable attorney fees), whether you are a member or not. If another person, business or organization anoth- er person is also responsible, we may attempt to collect from that person, business or organization, but we have no obligation to do so. You understand that if you owe us money and use another person’s, business’s or organizationowner’s account at our Credit Union for a transaction and deposit your funds or a check in that account, those funds from the deposit or check are also subject to our lien rights, security interest and your obligations and may be claimed by us. You agree we may contact you about any fees, charges, costs, interest, losses, liability or obligation (including rea- sonable attorney fees) that you owe to us at all addresses, phone num- bers numbers and email e-mail addresses you have shared with us by any method of communication you have agreed to. You understand that since mem- bership membership is a privilege, if you cause us a loss (even if discharged dis- charged in bankruptcy), we may request you to voluntarily repay that loss to retain the privilege of membership, accounts, products and ser- vicesservices, or to be eligible for new additional new products and servicesser- vices. Your failure to voluntarily repay a loss may result in denial or ter- mination termination of existing accounts, products and services and expulsion expul- sion from membership. You also agree that if you are ever obligated obligat- ed to us for anything, we may share your information with any associate as- sociate (such as collection agencies or attorneys) assisting us with the col- lection collection of your obligation, whether or not you are still a member mem- ber of our the Credit Union. You understand we may report any delinquent xxxxx- xxxxx obligations you owe to us to account and credit reporting agencies. In some circumstances, federal law requires us to report a cancel- lation cancellation of indebtedness to the IRS even if we still retain the right to collect that debt. If we are required to report a cancellation of a debt to the IRS, we retain the right to collect that debt from you unless we have reached a settlement with you or we are barred by law from collecting the debt. We may deduct any fees, charges, costs, interest, losses, liability or obligation (including reasonable attorney fees) from the ac- count(s) you have with us without notice to you, regardless of the source of those funds according to our lien rights and contractual security interest (please see Provision 1819.). You agree that if you owe us money and either you or we have terminated an account, we may re-start an account to receive a deposit or credit, collect the money owed to us, and then terminate the account again. You also agree to pay any other reasonable fees, charges, costs, interestin- terest, losses, liability or obligation (including reasonable attorney fees) we may incur in providing you with accounts, loans, productsprod- ucts, ser- vicesservices, membership and actions or transactions on the same, re- gardless regardless of whether they are specifically covered by the BSA MSA or other contract with us. Additionally, you understand that in the event of your death, if you owe us money for any reason, funds held in the accounts you have with us (or otherwise) otherwise may be used to repay your obligations to us before any funds are released re- leased to any other person or organization. If either you or we commence legal proceedings to enforce or in- terpret any of the terms of the BSAMSA, you and we agree the success- ful suc- cessful party is entitled to payment by the losing party for any reasona- ble reasonable attorney fees and costs, including those incurred on any appeal, bankruptcy proceeding and post-judgment action, unless otherwise limited or prohibited. You agree to indemnify, defend us against, and hold us harmless from any loss, damage, claim, liabil- ity liability or legal action (including reasonable attorney fees) arising from or related to membership, accounts, loans, products and services and your actions and transactions on the same. If any account is overdrawn, any loan is past due, or you are otherwise other- wise in default under any contract you have with us, we may suspend sus- pend your ability to conduct actions or transactions on to any or all accounts, products and products, services, until the default is cured.