check or draft, when paid, becomes property of the Credit Union and may not be returned to you, but copies of the check or draft
may be retained by us or by payable-through financial institutions and may be made available upon your request. You understand
and agree that statements are made available to you on the date they are sent to you. You also understand and agree that checks,
drafts, or copies thereof are made available to you on the date the statement is sent to you, even if the checks or drafts do not
accompany the statement.
b. Examination. You are responsible for promptly examining each statement upon receiving it and reporting any irregularities to us.
If you fail to report any irregularities such as forged, altered, unauthorized, unsigned, or otherwise fraudulent items drawn on your
account, erroneous payments or transactions, or other discrepancies reflected on your statement within 33 days of the date we sent
the statement to you, we will not be responsible for your loss. We also will not be liable for any items that are forged or altered in a
manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine.
c. Notice to Credit Union. You agree that the Credit Union's retention of checks or drafts does not alter or waive your responsibility
to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes,
and we will not be liable for any payment made or charged to your account unless you notify us in writing within the above time
limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to notify us within 14 days of the time you
regularly receive a statement.
26. INACTIVE ACCOUNTS - If your account falls below any applicable minimum balance and you have not made any transactions
over a period specified in the Truth-in-Savings Disclosure or Schedule of Fees and Charges, we may classify your account as
inactive or dormant. Unless prohibited by applicable law, we may charge a service fee, as set forth in the Truth-in-Savings
Disclosure or Schedule of Fees and Charges, for processing your inactive account. If we impose a fee, we will notify you, as
required by law, at your last known address. You authorize us to transfer funds from another account of yours to cover any service
fees, if applicable. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable and to
suspend any further account statements. If a deposit or withdrawal has not been made on the account and we have had no other
sufficient contact with you within the period specified by state law, the account will be presumed to be abandoned. Funds in
abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we
have no further liability to you for such funds, and if you choose to reclaim such funds, you must apply to the appropriate state
27. SPECIAL ACCOUNT INSTRUCTIONS - You may request that we facilitate certain trust, will, or court-ordered account
arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most
appropriately meets the specific requirements of your trust, will, or court order. If you ask us to follow any instructions that we
believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow
your instructions or may require you to indemnify us or post a bond or provide us with other protection. We may require that
account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a
signed Account Change Card and accepted by us.
28. TERMINATION OF ACCOUNT - We may terminate your account at any time without notice to you or may require you to close
your account and apply for a new account if: (1) there is a change in owners or authorized signers; (2) there has been a forgery or
fraud reported or committed involving your account; (3) there is a dispute as to the ownership of the account or of the funds in the
account; (4) any checks or drafts are lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft
protection plan; (6) there has been any misrepresentation or any other abuse of any of your accounts; or (7) we reasonably deem it
necessary to prevent a loss to us. You may terminate an individual account by giving written notice. We reserve the right to require
the consent of all owners to terminate a joint account. We are not responsible for payment of any check, draft, withdrawal,
transaction, or other item after your account is terminated; however, if we pay an item after termination, you agree to reimburse us.
29. TERMINATION OF MEMBERSHIP - You may terminate your membership by giving us written notice or by withdrawing your
minimum required membership share(s), if any, and closing all your accounts. You may be denied services for causing a loss to the
Credit Union, or you may be expelled for any reason as allowed by applicable law.
30. DEATH OF ACCOUNT OWNER - We may continue to honor all transfer orders, withdrawals, deposits, and other transactions on
an account until we know of a member's death. Once we know of a member's death, we may pay checks or drafts or honor other
payments or transfer orders authorized by the deceased member for a period of ten (10) days after that date unless we receive
instructions from any person claiming an interest in the account to stop payment on the checks, drafts, or other items. We may
require anyone claiming a deceased owner's account funds to indemnify us for any losses resulting from our honoring that claim.
This Agreement will be binding upon any heirs or legal representatives of any account owner.
31. UNLAWFUL INTERNET GAMBLING AND OTHER ILLEGAL ACTIVITIES - You agree that you are not engaged in unlawful Internet
gambling or any other illegal activity. You agree that you will not use any of your accounts, access devices or services for unlawful
Internet gambling or other illegal activities. We may terminate your account relationship if you engage in unlawful Internet gambling
or other illegal activities.
32. SEVERABILITY - If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreement
shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and are
not to be construed as part of the Agreement.
33. ENFORCEMENT - You are liable to us for any losses, costs, or expenses we incur resulting from your failure to follow this
Agreement. You authorize us to deduct any such losses, costs, or expenses from your account without prior notice to you. If we
bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to
payment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgment
34. GOVERNING LAW - This Agreement is governed by the Credit Union's bylaws, federal laws and regulations, the laws, including
applicable principles of contract law, and regulations of the state in which the Credit Union's main office is located, and local
clearinghouse rules, as amended from time to time. As permitted by applicable law, you agree that any legal action regarding this
Agreement shall be brought in the county in which the Credit Union is located.
35. NEGATIVE INFORMATION NOTICE - We may report information about your loan, share, or deposit accounts to credit bureaus.
Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.