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ACCOUNT AGREEMENTS AND DISCLOSURESDecember 10th, 2013
THESE AGREEMENTS AND DISCLOSURES CONTAIN IMPORTANT MEMBERSHIP INFORMATION FOR CONSUMER OR BUSINESS ACCOUNTS INCLUDING, NECESSARY TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES, ELECTRONIC SERVICES AGREEMENT AND DISCLOSURES, FUNDS AVAILABILITY POLICY, SUBSTITUTE SHARE DRAFTS AND YOUR RIGHTS, WIRE TRANSFERS AGREEMENT, PRIVACY POLICY DISCLOSURE AND CONSENT TO RECEIVE ELECTRONIC DOCUMENTATION. PLEASE BE CERTAIN TO READ THESE AGREEMENTS AND DISCLOSURES CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.
