Common use of Account Statements Clause in Contracts

Account Statements. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions We will not covered under be liable for any check that is altered or any signature that is forged unless you notify us within Thirty (30) calendar days after the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any statement and the altered or forged itemsitem(s) are made available. Also, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty Thirty (6030) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. RBFCU member statements (monthly and quarterly) are delivered by mail unless the member “opts in” to receive electronically. If you “opt in,” you will no longer receive a printed statement by mail. You are responsible for promptly examining your statement each statement period and reporting Account statement. Any objection you may have respecting any irregularities to us. Each account statement unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement, except for electronic fund transfers, will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, waived unless you notify us in writing within certain time limits after have notified RBFCU on or before the 33rd day following the date the statement that incorrectly reflects is delivered (60th day if your transactions is made available claim relates to you. For transactions not covered under the Electronic Funds Transfer Disclosures (belowa substitute check), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available subject to youapplicable law. We You agree that we will not be liable for any subsequent items paidunauthorized withdrawal, in good faithany payment order, containing an unauthorized signature any forged, unauthorized, or alteration by the same wrongdoer unless altered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within Ten (10) calendar days the applicable time period above, nor will we be liable for any forged or altered item if the forgery or alteration is not readily ascertainable upon inspection. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement and first altered containing any such error was mailed or forged items were otherwise made availableavailable to you. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Please refer to your Electronic Fund Transfer Act, within Sixty (60) calendar daysTransfers Agreement and Disclosures to determine your notification obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold Checks drawn on your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with and copies of checks will be made available to you upon your request or via Online Banking, subject to any fee disclosed in the Fee Schedule. You agree that your duty to examine statements promptly and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your Account. Active accounts receive an Account statement monthly for Checking and Loan accounts and quarterly for Savings, Money Market, Certificates and IRA accounts. It is your responsibility to ensure that your statements are received, and you agree that we will not be responsible for the loss or theft of your statements. It is important that you make note of the time that you regularly receive your statement. You agree to notify us immediately and in any event within 14 days of that time, if you fail to receive your statement. Dividend and Statement Chart Account Type Dividends Paid Statement Sent Checking Monthly Monthly Savings Monthly Quarterly* Money Market Monthly Quarterly* Certificate Monthly Quarterly IRA Monthly Quarterly Consumer Loan - Monthly Mortgage Loan - Monthly If any combination of accounts has a monthly statement, then all accounts in that combination will be monthly. *EFT transactions on a savings or money market account will generate a monthly statement. Closed Accounts Member will receive final statement after their account is closed on their normal statement date, depending on what type of account above. For security reasons, we destroy statements returned to us by the U.S. Post Office, so please notify us promptly if your address changes. We are not responsible for statements lost while not in our retention possession. You may obtain a copy of checks your statement for a fee. Current statements are also available via Online Banking. Electronic statements will automatically be re-coded to receive a paper statement upon account closing. The final statement will be paper. You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process, and for that reason our procedures generally do not include sight-review of items. You acknowledge and agree that reasonable commercial standards do not require us to sight review every check presented and that any failure to sight review does not alter or waive your responsibility to examine your statements or change constitute a lack of ordinary care in the time limits for notifying us payment of any errorsitem.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions We will not covered under be liable for any check that is altered or any signature that is forged unless you notify us within Thirty (30) calendar days after the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any statement and the altered or forged itemsitem(s) are made available. Also, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. Subject to applicable law, we will provide you with a statement of your account once in each calendar month. The period covered by the statement will be between 28 and 33 days, depending on holidays, weekends and the number of days in a particular month. We will mail the statement to the last address that we have for you in our records, or, if you wish, we will provide it to you electronically if we are able to do so. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errorschange in your postal or email address so that you can continue to receive your statements on time. If your statement is delayed because of problems with postal service or for any reason of which you are aware, you should contact us by telephone or, if you can, review your statement over the internet, so that you can make the required payment by the due date. You should review your statement carefully and if you think that any charge should not have been made to your account you must notify us of any error within 90 days of the date that the charge was posted to your account. If you do not, you will have no further right to question that charge, other than those charges for which you are not responsible resulting from the unauthorized or fraudulent use of your card. However, if we have incorrectly credited an amount to your account or understated a charge, we may correct that error at any time. How we apply payments and credits • For payments received by us, the following will apply: − each payment on account of the minimum payment will be applied in the following order: − equal payments plan instalment(s) in chronological order beginning with the instalment due under the first equal payments plan − interest charges on the current statement and unpaid interest from previous statements − fees − principal (whether it is a cash transaction or a purchase), beginning with those accruing interest at the lowest rate and ending with those accruing interest at the highest rate − If you pay more than your minimum payment, the amount that is paid in excess of the minimum payment is applied as follows: − First, we group together all transactions that have the same interest rate. For example, all transactions with a particular regular annual rate would be in one group and all transactions with the same promotional special rate of interest would be in another group. − Next, we apply the amount of your payment in excess of the minimum payment to each interest rate grouping in the proportion that such grouping bears to the balance due on your account. For example, if 25% of the transactions are in one interest rate grouping and 75% in another, the amount in excess of the minimum payment will be applied 25/75 against those amounts. We measure the proportion on the date that we receive the payment and do not include in the calculation any unbilled charges or balances on equal payments plans or deferred payment plans. − If you pay more than the balance due on your statement, that overpayment will be applied first against unbilled charges as of the date of receipt of payment (proportionately among such charges based on the interest rate applicable to the various charges), then to any balances on special payment plans on the following basis: firstly, proportionately among such balances based on the interest rate applicable to the various balances, secondly, in respect of special payment plans that have the same rate of interest, proportionally based on the balance that each type of plan (e.g. deferred payment plans or equal payments plans) represents of the balance of all special payment plans on the account with that interest rate, and lastly, as between special payment plans of the same type with the same interest rate, chronologically starting with the special payment plan of that type which will expire first. − When you have a credit balance on your account, that balance is applied against charges in the order that they are posted to the account. − Billed charges are always paid ahead of unbilled charges. − If you receive a credit for a charge to your account, we first apply that credit to charges made at merchants in a similar merchant category or, if there is no match, then the credit will be applied using the same method as the minimum payment (see above), although a credit is not treated as a payment either on account of the minimum payment or the balance owing on a statement. If a merchant issues you a credit voucher for a transaction we may not be able to post that credit to your account until the next statement period. In the meantime, interest will still accrue on that charge until the credit has been posted and you must still pay the balance shown on your statement in full in order to avoid having to pay interest on the entire balance of all purchases that appear on your statement for the first time.

Account Statements. You are responsible for promptly examining your each Account statement. Any objection that you may have with respect to any unauthorized withdrawal, payment order (including a wire transfer), or any item or deposit shown on a statement each statement period and reporting any irregularities (except electronic fund transfers) will be waived unless made in writing to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions received on or before the 30th day following the date the statement is mailed or is otherwise made available, subject to your Accountapplicable law. If you have an issue relating to a substitute check, unless you must notify us in writing within certain 60 days of the date we mailed or delivered the substitute check in question or the Account statement showing the substitute check posted to your Account, whichever is later. If you are unable to make a timely claim relating to a substitute check because of extraordinary circumstances, we will extend the time limits after the statement period. You agree that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paidunauthorized withdrawal, in good faithany payment order, containing an unauthorized signature any forged, unauthorized, or altered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within that 30-day period (60 days for substitute checks), nor will we be liable for any forged, unauthorized, or altered item if the forgery or alteration is not readily ascertainable upon inspection. We also will not be liable for subsequent unauthorized withdrawals by the same wrongdoer if you fail to notify us of the first unauthorized withdrawal within the 30-day period, even if the subsequent unauthorized withdrawals are reported promptly. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item, or as a result of any missing or diverted deposit, or due to any other error or discrepancy unless you notify have provided us with such notice within Ten (10) calendar days the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement and first altered containing any such error was mailed or forged items were otherwise made availableavailable to you. You must report any other Account problem including encoding errorsUnless we adopt alternative procedures from time to time, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold checks drawn on your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you and copies of checks will be made available to you upon your request, subject to any fee disclosed in the Fee Schedule. That notwithstanding, you agree that your duty to examine statements promptly and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your Account. Please refer to your Electronic Fund Transfers Agreement and Disclosures to determine your rights and obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. You will receive an Account statement monthly for your Checking Accounts. You will receive an Account statement at least quarterly for your Savings Accounts. You are responsible for providing Account statement and other Account information to any other parties to the Account. You acknowledge that any person your Account statement is provided to may have access to Account information for all of your Accounts. Unless we have agreed otherwise, we will mail your Account statement to the most recent address we have for you in our records. We will mail Account statements to the primary member only. You agree to notify us promptly if your address or any other contact information such as your telephone number or e-mail address is changed. All Account holders must provide their signature to change the address on the Account. It is your responsibility to ensure that your Account statements are received, and you agree that we will not be responsible for the loss or theft of your statements. You agree to notify us immediately if you fail to receive a statement for your Checking Accounts monthly, or a statement for your Savings Accounts at least quarterly. It is important that you make note of the time that you regularly receive your statement. You agree to notify us immediately, and in any event within 10 days of that time, if you fail to receive your statement. You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process. For that reason, our retention procedures generally do not provide for sight-review of checks does items. You acknowledge and agree that reasonable commercial standards do not alter or waive your responsibility require us to examine your statements or change sight-review any check presented and that any failure to sight-review shall not constitute a lack of ordinary care in the time limits for notifying us payment of any errorsitem.

Account Statements. Your member statements (monthly and quarterly) are delivered by mail unless the member or joint owner “opts in” to receive statements electronically. If you “opt in,” you will no longer receive a printed statement by mail. You are responsible for promptly examining your each Account statement. Any objection that you may have with respect to any unauthorized withdrawal, payment order (including a wire transfer), or any item or deposit shown on a statement each statement period and reporting any irregularities (except electronic fund transfers) will be waived unless made in writing to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions received on or before the 30th day following the date the statement is mailed or is otherwise made available, subject to your Accountapplicable law. If you have an issue relating to a substitute check, unless you must notify us in writing within certain 60 days of the date we mailed or delivered the substitute check in question or the Account statement showing the substitute check posted to your Account, whichever is later. If you are unable to make a timely claim relating to a substitute check because of extraordinary circumstances, we will extend the time limits after the statement period. You agree that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paidunauthorized withdrawal, in good faithany payment order, containing an unauthorized signature any forged, unauthorized, or altered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within that 30-day period (60 days for substitute checks), nor will we be liable for any forged, unauthorized, or altered item if the forgery or alteration is not readily ascertainable upon inspection. We also will not be liable for subsequent unauthorized withdrawals by the same wrongdoer if you fail to notify us of the first unauthorized withdrawal within the 30-day period, even if the subsequent unauthorized withdrawals are reported promptly. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item, or as a result of any missing or diverted deposit, or due to any other error or discrepancy unless you notify have provided us with such notice within Ten (10) calendar days the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement and first altered containing any such error was mailed or forged items were otherwise made availableavailable to you. You must report any other Account problem including encoding errorsUnless we adopt alternative procedures from time-to-time, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold checks drawn on your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you and copies of checks will be made available to you upon your request, subject to any fee disclosed in the Fee Schedule. That notwithstanding, you agree that it is your duty to examine statements promptly and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your Account. For consumer Accounts, please refer to your Electronic Fund Transfers Agreement and Disclosures to determine your rights and obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. You will receive an Account statement monthly for your Checking (with activity), Money Market (with activity) and Line of Credit or Credit Card (with activity) or any other account with an EFT (Electronic Funds Transfer) during that month. You will receive an Account statement at least quarterly for your Savings, Checking, Certificates, Money Market, IRA accounts and loans. You are responsible for providing the Account statement and other Account information to any other Parties to the Account. You acknowledge and agree that any person your Account statement is provided to may have access to Account information for all of your deposit and loan Accounts. Unless we have agreed otherwise, we will mail your Account statement to the most recent address we have for you in our records. We will mail Account statements to the Member/Owner only. You agree to notify us promptly if your address or any other contact information such as your telephone number or e-mail address is changed. You agree that we may change your address of record if we receive an address change notice from the U.S. Postal Service or if a third party in the business of providing correct address information notifies us that your address of record is inconsistent with the address the third party has for you. It is your responsibility to ensure that your Account statements are received, and you agree that we will not be responsible for the loss or theft of your statements. You agree to notify us immediately if you fail to receive a statement for your Checking Accounts monthly, or a statement for your Savings Accounts at least quarterly. It is important that you make note of the time that you regularly receive your statement. You agree to notify us immediately, and in any event within 10 days of that our retention of checks does not alter time, if you fail to receive your statement. You are responsible for keeping your contact information current with the credit union. If you opt to receive e-statements and you subsequently change your email address, you are responsible for updating your account information online or waive your responsibility to examine your statements or change the time limits for notifying us of the email address change. We employ commercially reasonable methods to identify email addresses that that are no longer valid. However, in the event we do not identify your email address has changed and you fail to update us of the email address change within 30 days of the change, we are not responsible for your failure to receive your statements and any errorscorresponding dispute rights you may have will begin to run as if the eStatement notification had been delivered properly to the email address in our records. We are not responsible if you give us the wrong email address. We will consider your e-statement notification delivered unless we have knowledge to the contrary.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting Account statement. Any objection that you may have respecting any irregularities to us. Each account item or deposit shown on or missing from a statement will be considered waived unless made in writing to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividendsus, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after received on or before the thirtieth (30th) day following the date the statement is mailed. You agree that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paidforged, in good faithunauthorized or altered item drawn on or deposited to your Account, containing an unauthorized signature any item with missing signatures or alteration by the same wrongdoer unless endorsements, any missing or diverted deposit or any other error or discrepancy if you fail to notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty thirty (30) calendar daysday period, nor will we be liable for any forged or altered item if the forgery or alteration is not readily ascertainable upon inspection. If we truncate You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized or altered item, or as a result of any missing or diverted deposit, or due to any other error or discrepancy unless you have provided us with notice within the period prescribed above. You will receive an Account statement monthly for your checks, you understand Checking Accounts. You will receive an Account statement at least quarterly for your Savings Accounts. It is your responsibility to insure that your original checks statements are received, and you agree that we will not be returned responsible for the loss or theft of your statements. You agree to notify us immediately if you with failed to receive a statement for your Checking Accounts monthly, or a statement for your Savings Accounts at least quarterly. It is important that you make note of the time that you regularly receive your statement. You agree to notify us immediately and in any event within 10 days of that time, if you failed to receive your statement. You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process, and for that reason our retention procedures generally do not include the examination of checks does items. You agree that we are not alter or waive your responsibility required to examine your statements or change do so and that any such failure will not constitute a lack of ordinary care in the payment of any item. Notwithstanding the foregoing, the time limits period for notifying us or making a claim under the Check 21 Act, with respect to a substitute check or an image of any errorsa substitute check that is sent with a statement or that appears on a statement, will be as set forth in the Check 21 Act.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting Account statement. Any objection that you may have respecting any irregularities unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement, except for electronic funds transfer, will be waived unless made in writing to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions received on or before the 30th day following the date the statement is mailed or otherwise delivered, subject to your Accountapplicable law. If you have a claim related to a substitute check, unless you must notify us in writing within certain 40 days of the time limits after we mailed or otherwise delivered the substitute check or the Account statement showing the posting of the substitute check, whichever is later. You agree that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paidunauthorized withdrawal, in good faithany payment order, containing an unauthorized signature any forged, unauthorized, or alteration by the same wrongdoer unless altered item drawn on or deposited to your Account, any item with missing signatures or indorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within Ten (10) calendar days that 30- day period, nor will we be liable for any forged or altered item if the forgery or alteration is not readily ascertainable upon inspection. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement containing any such error was mailed or otherwise made available to you. Please refer to your Electronic Funds Transfer Agreement and first altered Disclosures to determine your obligations in the event of unauthorized electronic funds transfer or forged items were made availableother errors in connection with such transfers. You must report any other Account problem including encoding errorsUnless we adopt alternative procedures from time to time, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold checks drawn on your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with and copies of checks will be made available to you upon your request, subject to any fee disclosed on the Fee Schedule. You agree that your duty to examine statements promptly and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your Account. You will receive an Account statement monthly for your Checking Accounts unless there is no activity on the Account in a given month, in which case you will receive an Account statement at least quarterly. You will receive an Account statement at least quarterly for your Savings Accounts. It is your responsibility to ensure that your statements are received, and you agree that we will not be responsible for the loss or theft of your statements. You agree to notify us immediately if you fail to receive a statement for your Checking Accounts monthly, or a statement for your Savings Accounts at least quarterly. It is important that you make note of the time that you regularly receive your statement. You agree to notify us immediately and in any event within ten days of that time, if you fail to receive your statement. You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process, and for that reason, our retention procedures generally do not include sight-review of checks items. You acknowledge and agree that reasonable commercial standards do not require us to sight-review every check presented and that any failure to sight-review does not alter or waive your responsibility to examine your statements or change constitute a lack of ordinary care in the time limits for notifying us payment of any errorsitem.

Account Statements. RBFCU member statements (monthly and quarterly) are delivered by mail unless the member “opts in” to receive electronically. If you “opt in,” you will no longer receive a printed statement by mail. You are responsible for promptly examining your statement each statement period and reporting Account statement. Any objection you may have respecting any irregularities to us. Each account statement unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement, except for electronic fund transfers, will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, waived unless you notify us in writing within certain time limits after have notified RBFCU on or before the 33rd day following the date the statement that incorrectly reflects is delivered (60th day if your transactions is made available claim relates to you. For transactions not covered under the Electronic Funds Transfer Disclosures (belowa substitute check), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available subject to youapplicable law. We You agree that we will not be liable for any subsequent items paidunauthorized withdrawal, in good faithany payment order, containing an unauthorized signature any forged, unauthorized, or alteration by the same wrongdoer unless altered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within Ten (10) calendar days the applicable time period above, nor will we be liable for any forged or altered item if the forgery or alteration is not readily ascertainable upon inspection. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement and first altered containing any such error was mailed or forged items were otherwise made availableavailable to you. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Please refer to your Electronic Fund Transfer Act, within Sixty (60) calendar daysTransfers Agreement and Disclosures to determine your notification obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold Checks drawn on your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with and copies of checks will be made available to you upon your request or via Online Banking, subject to any fee disclosed in the Fee Schedule. You agree that your duty to examine statements promptly and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your Account. Active accounts receive an Account statement monthly for Savings, Checking and Loan accounts and quarterly for Money Market, Certificates and IRA accounts. It is your responsibility to ensure that your statements are received, and you agree that we will not be responsible for the loss or theft of your statements. It is important that you make note of the time that you regularly receive your statement. You agree to notify us immediately and in any event within 14 days of that time, if you fail to receive your statement. Dividend and Statement Chart Account Type Dividends Paid Statement Sent Checking Monthly Monthly Savings Monthly Monthly* Money Market Monthly Quarterly* Certificate Monthly Quarterly IRA Monthly Quarterly Consumer Loan - Monthly Mortgage Loan - Monthly If any combination of accounts has a monthly statement, then all accounts in that combination will be monthly. *EFT transactions on a savings or money market account will generate a monthly statement. Closed Accounts Member will receive final statement after their account is closed on their normal statement date, depending on what type of account above. For security reasons, we destroy statements returned to us by the U.S. Post Office, so please notify us promptly if your address changes. We are not responsible for statements lost while not in our retention possession. You may obtain a copy of checks your statement for a fee. Current statements are also available via Online Banking. Electronic statements will automatically be re-coded to receive a paper statement upon account closing. The final statement will be paper. You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process, and for that reason our procedures generally do not include sight-review of items. You acknowledge and agree that reasonable commercial standards do not require us to sight review every check presented and that any failure to sight review does not alter or waive your responsibility to examine your statements or change constitute a lack of ordinary care in the time limits for notifying us payment of any errorsitem.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions We will not covered under be liable for any check that is altered or any signature that is forged unless you notify us within Thirty (30) calendar days after the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any statement and the altered or forged itemsitem(s) are made available. Also, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including includin g encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframesxxx eframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or are made available to you. We will not be liable for any check that is altered or any signature that is forged unless you notify us within Thirty (30) calendar days after the statement and the altered or forged item(s) are made available. Also, we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty Thirty (6030) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. Subject to applicable law, we will provide you with a statement of your account once in each calendar month. The period covered by the statement will be between 28 and 33 days, depending on holidays, weekends and the number of days in a particular month. We will mail the statement to the last address that we have for you in our records, or, if you wish, we will provide it to you electronically if we are able to do so. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errorschange in your postal or email address so that you can continue to receive your statements on time. If your statement is delayed because of problems with postal service or for any reason of which you are aware, you should contact us by telephone or, if you can, review your statement over the internet, so that you can make the required payment by the due date. You should review your statement carefully and if you think that any charge should not have been made to your account you must notify us of any error within 90 days of the date that the charge was posted to your account. If you do not, you will have no further right to question that charge, other than those charges for which you are not responsible resulting from the unauthorized or fraudulent use of your card. However, if we have incorrectly credited an amount to your account or understated a charge, we may correct that error at any time. How we apply payments and credits • For payments received by us, the following will apply: − each payment on account of the minimum payment will be applied in the following order: − equal payments plan instalment(s) in chronological order beginning with the instalment due under the first equal payments plan − interest charges on the current statement and unpaid interest from previous statements − fees − principal (whether it is a cash transaction or a purchase), beginning with those accruing interest at the lowest rate and ending with those accruing interest at the highest rate − If you pay more than your minimum payment, the amount that is paid in excess of the minimum payment is applied as follows: − First, we group together all transactions that have the same interest rate. For example, all transactions with a particular regular annual rate would be in one group and all transactions with the same promotional special rate of interest would be in another group. − Next, we apply the amount of your payment in excess of the minimum payment to each interest rate grouping in the proportion that such grouping bears to the balance due on your account. For example, if 25% of the transactions are in one interest rate grouping and 75% in another, the amount in excess of the minimum payment will be applied 25/75 against those amounts. We measure the proportion on the date that we receive the payment and do not include in the calculation any unbilled charges or balances on equal payments plans or deferred payment plans. − If you pay more than the balance due on your statement, that overpayment will be applied first against unbilled charges as of the date of receipt of payment (proportionately among such charges based on the interest rate applicable to the various charges), then to any balances on special payment plans on the following basis: firstly, proportionately among such balances based on the interest rate applicable to the various balances, secondly, in respect of special payment plans that have the same rate of interest, proportionally based on the balance that each type of plan (e.g. deferred payment plans or equal payments plans)represents of the balance of all special payment plans on the account with that interest rate, and lastly, as between special payment plans of the same type with the same interest rate, chronologically starting with the special payment plan of that type which will expire first. − When you have a credit balance on your account, that balance is applied against charges in the order that they are posted to the account. − Billed charges are always paid ahead of unbilled charges. • If you receive a credit for a charge to your account, we first apply that credit to charges made at merchants in a similar merchant category or, if there is no match, then the credit will be applied using the same method as the minimum payment (see above), although a credit is not treated as a payment either on account of the minimum payment or the balance owing on a statement. If a merchant issues you a credit voucher for a transaction we may not be able to post that credit to your account until the next statement period. In the meantime, interest will still accrue on that charge until the credit has been posted and you must still pay the balance shown on your statement in full in order to avoid having to pay interest on the entire balance of all purchases that appear on your statement for the first time.

Account Statements. You are responsible for promptly examining your statement each statement period Account statement. Any objection that you may have regarding any unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement, except for electronic funds transfers and reporting any irregularities claims related to Substitute Checks, will be waived unless made in writing to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after received on or before the 30th calendar day following the date the statement that incorrectly reflects your transactions is mailed or, if you are receiving e-statements, on or before the 30th calendar day following the date the statement is made available at the Credit Union’s Online Banking Service. You will receive an Account statement monthly for your Checking Accounts. You will receive an Account statement at least quarterly for your Savings Accounts. It is your responsibility to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptlyensure that your Account statements are received, and within 30 calendar days after you agree and understand that we will not be responsible for the loss or theft of your statements. You agree to notify us immediately if you fail to receive a statement is issued or made available to youfor your Accounts. We You agree and understand that we will not be liable for any subsequent items paidunauthorized withdrawal, in good faithany payment order, containing an unauthorized signature any forged or alteration by the same wrongdoer unless altered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposits, or any other error or discrepancy if you fail to notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty thirty (30) calendar daysday period, nor will we be liable for any forged or altered item if the forgery or alteration is not readily ascertainable upon inspection. If Unless we truncate adopt alternative procedures from time to time, checks drawn on your checks, you understand that your original checks Account will not be returned to you with and copies of checks are made available to you upon your statementrequest. That notwithstanding, you agree that your duty to examine statements promptly, and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your Account. You agree that our retention checks are deemed to be “made available” to you by your receipt of checks does your statement and your ability to request copies of those checks. You agree that, if we take a check for processing for collection or payment by automated means, reasonable commercial standards do not alter or waive your responsibility require us to examine the check and that any such failure to examine shall not constitute a lack of ordinary care in the payment of that item. We will charge a fee for check copies, as set forth in the Truth-ln-Savings Fee Schedule. Refer to the Electronic Fund Transfers Disclosure and Agreement, as set forth in this Agreement, to determine your statements notification obligations in the event of unauthorized electronic fund transfers or change the time limits for notifying us of any other errors in connection with such errors.

Account Statements. Subject to applicable law, we will provide you with a statement of your account once in each calendar month. The period covered by the statement will be between 28 and 33 days, depending on holidays, weekends and the number of days in a particular month.We will mail the statement to the last address that we have for you in our records, or, if you wish, we will provide it to you electronically if we are able to do so. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errorschange in your postal or email address so that you can continue to receive your statements on time. CMA-RETAIL - E 10.14 • 1451 If your statement is delayed because of problems with postal service or for any reason of which you are aware, you should contact us by telephone or, if you can,reviewyour statement over the internet, so that you can make the required payment by the due date. You should review your statement carefully and if you think that any charge should not have been made to your account, you must notify us of any error within 90 days of the date that the charge was posted to your account. If you do not, you will have no further right to question that charge, other than those charges for which you are not responsible resulting from the unauthorized or fraudulent use of your card. However, if we have incorrectly credited an amount to your account or understated a charge, we may correct that error at any time. How we apply payments and credits • For payments received by us, the following will apply: − each payment on account of the minimum payment will be applied in the following order: − equal payments plan instalment(s) in chronological order beginning with the instalment due under the first equal payments plan − interest charges on the current statement and unpaid interest from previous statements − fees − principal (whether it is a cash transaction or a purchase), beginning with those accruing interest at the lowest rate and ending with those accruing interest at the highest rate − If you pay more than your minimum payment, the amount that is paid in excess of the minimum payment is applied as follows: − First, we group together all transactions that have the same interest rate. For example, all transactions at your regular annual rate would be in one group and all transactions with the same promotional special rate of interest would be in another group. − Next, we apply the amount of your payment in excess of the minimum payment to each interest rate grouping in the proportion that such grouping bears to the balance due on your account. For example, if 25% of the transactions are in one interest rate grouping and 75% in another,the amount in excess of the minimum payment will be applied 25/75 against those amounts. We measure the proportion on the date that we receive the payment and do not include in the calculation any unbilled charges or balances on equal payments plans or deferred payment plans. – If you pay more than the balance due on your statement, that overpayment will be applied first against unbilled charges as of the date of receipt of payment (proportionately among such charges based on the interest rate applicable to the various charges), then to any balances on specialpayment plans on the followingbasis: firstly, proportionately among such balances based on the interest rate applicable to the various balances, secondly, in respect of special payment plans that have the same rate of interest,proportionallybased on the balance that each type of plan (e.g. deferred payment plans or equal payments plans) represents of the balance of all special payment plans on the account with that interest rate, and lastly, as between special payment plans of the same type with the same interest rate, chronologically starting with the special payment plan of that type which will expire first. − When you have a credit balance on your account, that balance is applied against charges in the order that they are posted to the account. − Billed charges are always paid ahead of unbilled charges. • If youreceive a creditfor a charge toyouraccount,wefirst applythatcredit to charges made at merchants in a similar merchant category or,if there is no match, then the credit will be applied using the same method as the minimum payment (see above), although a credit is not treated as a payment either on account of the minimum payment or the balance owing on a statement. If a merchant issues you a credit voucher for a transaction we may not be able to post that credit to your account until the next statement period. In the meantime, interest will still accrue on that charge until the credit has been posted and you must still pay the balance shown on your statement in full in ordertoavoidhavingto pay interest on theentirebalance of all purchases that appear on your statement for the first time.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions We will not covered under be liable for any draft that is altered or any signature that is forged unless you notify us within Thirty (30) calendar days after the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any statement and the altered or forged itemsitem(s) are made available. Also, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checksdrafts, you understand that your original checks drafts will not be returned to you with your statement. You agree that our retention of checks drafts does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions We will not covered under be liable for any check that is altered or any signature that is forged unless you notify us within Thirty (30) calendar days after the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any statement and the altered or forged itemsitem(s) are made available. Also, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account account statements, we have the right to mail your statements if you have not claimed them within Thirty Fifteen (3015) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. Subject to applicable law, we will provide you with a statement of your account once in each calendar month. The period covered by the statement will be between 28 and 33 days, depending on holidays, weekends and the number of days in a particular month. We will mail the statement to the last address that we have for you in our records, or, if you wish, we will provide it to you electronically if we are able to do so. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errorschange in your postal or email address so that you can continue to receive your statements on time. If your statement is delayed because of problems with postal service or for any reason of which you are aware, you should contact us by telephone or, if you can, review your statement over the internet, so that you can make the required payment by the due date. You should review your statement carefully and if you think that any charge should not have been made to your account you must notify us of any error within 90 days of the date that the charge was posted to your account. If you do not, you will have no further right to question that charge, other than those charges for which you are not responsible resulting from the unauthorized or fraudulent use of your card. However, if we have incorrectly credited an amount to your account or understated a charge, we may correct that error at any time. How we apply payments and credits • For payments received by us, the following will apply: − each payment on account of the minimum payment will be applied in the following order: − equal payments plan instalment(s) in chronological order beginning with the instalment due under the first equal payments plan − interest charges on the current statement and unpaid interest from previous statements − fees − principal (whether it is a cash transaction or a purchase), beginning with those accruing interest at the lowest rate and ending with those accruing interest at the highest rate − If you pay more than your minimum payment, the amount that is paid in excess of the minimum payment is applied as follows: − First, we group together all transactions that have the same interest rate. For example, all transactions with a particular regular annual rate would be in one group and all transactions with the same promotional special rate of interest would be in another group. − Next, we apply the amount of your payment in excess of the minimum payment to each interest rate grouping in the proportion that such grouping bears to the balance due on your account. For example, if 25% of the transactions are in one interest rate grouping and 75% in another, the amount in excess of the minimum payment will be applied 25/75 against those amounts. We measure the proportion on the date that we receive the payment and do not include in the calculation any unbilled charges or balances on equal payments plans or deferred payment plans.

Account Statements. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions We will not covered under be liable for any check that is altered or any signature that is forged unless you notify us within Thirty (30) calendar days after the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any statement and the altered or forged itemsitem(s) are made available. Also, promptly, and within 30 calendar days after your statement is issued or made available to you. We we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for tor an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. Your statement will be sent to you monthly, quarterly or annually, depending on the type of account and services you have with us. You are responsible for promptly examining your statement and each statement period transaction and reporting any irregularities errors or discrepancies (including, without limitation, unauthorized transactions, signatures or alterations) to usus immediately. Each account Your statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, correct for all purposes and other additions we will not be liable for any payment made and subtractions charged to your Account, account unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or checks were sent or made available to you. We will not be liable for any subsequent items paid, in good faith, containing an unauthorized check that contains a forged signature or alteration by the same wrongdoer is altered in any way unless you notify us within Ten (10) calendar 30 days after the check was sent or made available to you, or, if the check was not sent or made available to you, within 30 days after we sent or made available to you the statement and first altered or forged items were made availablethat contains a description of the check. You must report notify us in writing of any other Account problem including encoding errors, error or discrepancy on your statement (other than electronic funds transfers that are governed by our Electronic Funds Transfer Disclosure and errors involving additions Card Holder Agreement) within 60 days and if you do not we are not liable for such error or subtractions (debits and credits) discrepancy. We will not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that send your statement to you receiveif it is unclaimed or undeliverable because you provided us with inadequate delivery instructions, you may (under some circumstances) be entitled to make did not notify us in writing of a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If change in address, you have requested asked us to hold your Account statementsstatement and did not claim it, or we consider your account dormant. In each of these cases, for all purposes it will be considered as if we had made your statement available to you as of the statement date that was or would have the right to mail been printed on your statements if you have not claimed them within Thirty (30) calendar daysstatement. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errorserrors ordiscrepancies.

Account Statements. We will send a periodic Account statement for checking and savings Accounts to the current address listed on our records. We will send only one Account statement or other notice for any Account, even if it has more than one owner. You agree that sending the Account statement or other notice to one owner qualifies as sending it to all owners, even if all owners do not have access to the mailing address of record for the Account. If you have chosen to receive your bank statements via online banking through our website and you have enrolled with us to do so, we will send you an email informing you when your statement is available for review. Please refer to Important Information About Communications From Us section in this Agreement for more information regarding electronic bank statements and other electronic communications. You are responsible for promptly examining your statement each statement period and reporting any irregularities to us. Each account The periodic statement will be considered to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, correct for all purposes and other additions we will not be liable for any payment made and subtractions charged to your Account, Account unless you notify us in writing within certain time limits after the statement that incorrectly reflects your transactions is made available to you. For transactions We will not covered under the Electronic Funds Transfer Disclosures (below), you must report be liable for any account dispute or error, including any check that is altered or any signature that is forged items, promptly, and unless you notify us within 30 thirty (30) calendar days after your statement is issued or made available to you. We Also, we will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten thirty (1030) calendar days after the statement and first altered or forged items were made available. You Except for transactions covered by the EFTA, you must also report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty sixty (60) calendar daysdays after the statement is made available or lose your right to assert the problem against us. If the suspected account Account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further informationtime frames. If you have requested us to hold your Account statements, we have the right to mail your statements if you have not claimed them within Thirty thirty (30) calendar days. If we We truncate your checks but may provide you with an image of your checks, you understand that pursuant to Check Imaging section of this Agreement, on the understanding your original checks will not be returned to you with your statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. We will send you an Account statement every month in which a Transaction was made. In any event, you will receive an Account statement at least quarterly. Your Account statement will include your Check writing activity during the period covered by the statement. Transactions from your Account may appear on the day after the Business Day the transaction took place. Neither BNY Mellon nor Bank will send you separate Account statements of any nature. Your Duty to Examine Your Statement. As used in this section, the term “problem” means any error, alteration or unauthorized Transaction (including, but not limited to, forged or missing signatures, and unauthorized wire transfers) related to any Check Transaction for your Account. Because you are in the best position to discover any problem with your statement, you must examine it promptly after receiving it and contact us if you see any problem with or related to your statement. You are agree that none of us will be responsible for promptly examining your statement each statement period and reporting any irregularities problem related to us. Each account statement will be considered a Check or Transaction that: • You do not report to correctly reflect your transactions, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you notify us Phoenix in writing within certain a reasonable time limits not to exceed 20 calendar days after Phoenix mails the statement (or makes the statement available) to you; • Results from a forgery, counterfeit or alteration so clever that incorrectly reflects a reasonable person cannot detect it (for example, unauthorized Checks made with your transactions is made facsimile signature device or that look to an average person as if they contain an authorized signature); or • As otherwise provided by law or regulation. You may not start a legal action against any of us because of any problem unless: (a) you have given Phoenix the above notice and (b) the legal action begins within one year after we send or make your statement available to you. For transactions not covered under If you make a claim against any of us in connection with a problem, each of us reserves the Electronic Funds Transfer Disclosures (below)right to conduct a reasonable investigation before recrediting your Account, and you agree to cooperate in such investigation. If any of us requests, you must report agree to complete an affidavit of forgery or other proof of loss. If you refuse to sign such an affidavit, none of us will be liable to you for any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after loss arising from the problem. These time periods for you to examine your statement is issued and report “problems” to Phoenix are without regard to the level of care of any of us or the commercial reasonableness of our practices, further without regard to whether copies or images of cancelled Checks are supplied or made available to you. We will not be liable for any subsequent items paid, in good faith, containing an unauthorized signature or alteration by the same wrongdoer unless you notify us within Ten (10) calendar days after the statement and first altered or forged items were made available. You must report any other Account problem including encoding errors, and errors involving additions or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim may be subject to different notification timeframes. See the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold your Account statements, we have the right to mail your statements Contact Phoenix promptly if you have do not claimed them within Thirty (30) calendar days. If we truncate receive your checks, you understand that your original checks will not be returned to you with your regular statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or change the time limits for notifying us of any errors.

Account Statements. You have the option to receive electronic statements or paper statements sent through the postal service. We are required to provide the Account statement, notices, and other communications only to the Primary Member who is responsible for providing all such communications to the other Account parties. Notice to one Owner or Authorized User shall be considered notice to all. Unless there is an agreement in place with the Primary Member, we will mail or deliver the Account statement to the most recent address or other agreed upon location we have for the Primary Member in our records. If you request electronic statements, notices and communications, notification will be sent to the Primary Member’s email we have on file. You agree to notify us promptly if you move, change your address, or if any other contact information such as your telephone number or e-mail address has changed. You understand we may alter your address of record if we receive an address change notice from the postal service. It is your responsibility to ensure that you receive your Account statements and you agree we are not responsible for loss or theft during the delivery of your Account statements. You agree to notify us immediately if you fail to receive an Account statement whether it is a monthly or quarterly statement. Your statements are mailed within the first five business days of each month. You agree to notify us within the first ten business days of the month if you fail to receive your Account statement. You are responsible for promptly examining your each Account Statement we provide or make available to you. Notifications for objections you may have about an unauthorized withdrawal, deposit, transfer, payment order or any other item shown on or missing from a statement each must be received by an employee of the Credit Union on or before the 60th day following the date the statement period and reporting any irregularities is mailed or is otherwise made available, subject to usapplicable law. Each account statement will be considered If you have a concern relating to correctly reflect your transactionsa substitute check, such as deposits, withdrawals, credits, refunds, imposition of fees, interest or dividends, and other additions and subtractions to your Account, unless you must notify us in writing within certain 60 days of the date we mailed or delivered the substitute check in question or the Account statement showing the substitute check posted to your Account, whichever is later. (see Deposit Items, section #3 Right to Refuse Deposit for definition of substitute check) If you are unable to make a timely claim relating to a substitute check because of extraordinary circumstances, we may extend the time limits after the statement that incorrectly reflects your transactions is made available to youperiod. For transactions not covered under the Electronic Funds Transfer Disclosures (below), you must report any account dispute or error, including any altered or forged items, promptly, and within 30 calendar days after your statement is issued or made available to you. We You agree we will not be liable for any subsequent items paidunauthorized withdrawal, in good faithany payment order, containing an any forged, unauthorized signature or alteration by the same wrongdoer unless altered item drawn on or deposited, any item with missing signatures or endorsements, any missing or diverted deposit or any other error or discrepancy if you fail to notify us within Ten (10) calendar days the 60-day period. You understand we are not liable for any forged or altered item if the forgery or alteration is not readily ascertainable upon inspection. If you fail to notify us of the first unauthorized transaction within the 60-day period, we will not be liable for the same subsequent unauthorized transactions even if the subsequent unauthorized withdrawals are reported promptly. You consent that no legal action will be instituted by you against the Credit Union seeking the recovery of any alleged loss as a result of a forged, unauthorized, or altered item, missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the 60-day period. Any such legal action must be instituted within two years after the date that the statement containing any such error was mailed or otherwise made available to you. Please refer to your Electronic Funds Transfer (EFT) Agreement and first altered Disclosures to determine your notification obligations in the event of an unauthorized EFT or forged items were made availableother errors in connection with such transfers. You must report any other Account problem including encoding errors, and Some errors involving additions related to international payment orders or subtractions (debits and credits) not otherwise covered herein, including electronic transactions not covered by the Electronic Fund Transfer Act, within Sixty (60) calendar days. If the suspected account problem involves a substitute check that you receive, you may (under some circumstances) be entitled to make a claim for an expedited refund. Such a claim remittance transfers may be subject to different notification timeframesobligations as disclosed at the time the remittance transfer service was provided. See Until the Substitute Check Policy Disclosure (if applicable) for further information. If you have requested us to hold Credit Union adopts alternative procedures, checks drawn on your Account statements, we have the right to mail your statements if you have not claimed them within Thirty (30) calendar days. If we truncate your checks, you understand that your original checks will not be returned to you with your statement. You agree that Copies of checks are available through Online Banking, the Mobile Banking App or upon your request in conjunction with a surcharge as set forth in the Fee Schedule. Your consent to your duty to examine statements promptly and to your obligation to notify us in the event of any error is not waived or diminished in any respect by our electronic retention of checks does drawn on your Account. You will receive an Account statement monthly if you have a Checking Account. If you have a Savings Account, you will receive a quarterly statement unless there are ATM or ACH transactions (EFT transactions) occurring on that Account; in that case you will receive a monthly statement for the months when an EFT transaction occurs. You acknowledge that any individual provided your Account statement by you has visual access to the Account information on that statement, even if they are not alter authorized on any or waive your responsibility to examine your statements or change the time limits all Accounts. We are not responsible for notifying us of any errorssuch access.