Please Review The Updated Member Agreement

Membership Eligibility and Requirements – Combined sections and updated language. (Page 2)

Power of Attorney – Added the following: The credit union may allow a third person acting as your attorney-in-fact to make transactions regarding your account(s), pursuant to a Power of Attorney, but has no obligation to do so. You agree that we have no obligation to verify the scope, authenticity, and validity of any Power of Attorney presented to us. If we accept the Power of Attorney, the credit union has no duty to inquire as to the use or purpose of any transaction(s) by your attorney-in-fact, and may restrict or refuse account access, withdrawals and transfers. Further, you agree to reimburse the credit union for all costs and expenses, including attorneys’ fees, we incur and agree to indemnify us of any loss or other expense we incur from our acceptance of your power of attorney. (Page 3)

Termination of Account; Limitation of Services – Added that the credit union reserves the right to remove any joint owner and/or restrict a service if they have caused us a loss. Also added a Duty to Cooperate statement. (Page 6)

Pledges – This is a new section and includes information on who can pledge funds and rules for satisfying the pledge. (Page 10)

Miscellaneous Provisions – Clarification on monitoring conversations and other communication. (Page 12)

Check Holds – Clarification on when longer delays may apply. (Page 13)

Termination of EFT services – Added the following situations where we can terminate the agreement (Page 18):

• Overdrafts occur as a result of insufficient or uncollected funds on an account;
• Any transaction that occurs on your account(s) which results in a monetary loss to the credit union;
• Loan, credit card, or other delinquency with the credit union;
• Forced closure of a share or share draft/checking account at the credit union due to misuse;
• Special balance requirements, if any, are not maintained by you; or
• Any other situation in which the credit union deems revocation to be in its best interest.

General Info:

• Accounts will no longer be assigned an S, L, or I-type -- they will have a full account number;
• Changed the name of Privilege Pay to Premium Overdraft;
• In the dormant accounts section, added the term “inactive” to accounts where we may charge a fee
• Reaffirms your rights for arbitration and waiver of class action. We believe this is the quickest means to resolve any disputes.

Membership Eligibility and Requirements – Combined sections and updated language.

Termination of Account; Limitation of Services – Added that the credit union reserves the right to remove any joint owner and/or restrict a service if they have caused us a loss. Also added a Duty to Cooperate statement. (Page 6)

Power of Attorney – Added the following: The credit union may allow a third person acting as your attorney-in-fact to make transactions regarding your account(s), pursuant to a Power of Attorney, but has no obligation to do so. You agree that we have no obligation to verify the scope, authenticity, and validity of any Power of Attorney presented to us. If we accept the Power of Attorney, the credit union has no duty to inquire as to the use or purpose of any transaction(s) by your attorney-in-fact, and may restrict or refuse account access, withdrawals and transfers. Further, you agree to reimburse the credit union for all costs and expenses, including attorneys’ fees, we incur and agree to indemnify us of any loss or other expense we incur from our acceptance of your power of attorney. (Page 6)

Miscellaneous Provisions – Clarification on monitoring conversations and other communication. (Page 12)

Check Holds/Funds Availability Policy - Clarification on when longer delays may apply. Updated dollar amounts for exception checks and funds availability. (Page 13)

Electronic Funds Transfers – Added clause stating accounts used for business purposes are not subject to the Electronic Funds Transfer Act, Regulation E, or to the error resolution procedures. (Page 14)

Member Liability for Unauthorized use of VISA Debit Card – Added section to clarify VISA protections and procedures for unauthorized transactions on business accounts. (Page 18)

Termination of EFT services – Added the following situations where we can terminate the agreement (Page 18):

• Overdrafts occur as a result of insufficient or uncollected funds on an account;
• Any transaction that occurs on your account(s) which results in a monetary loss to the credit union;
• Loan, credit card, or other delinquency with the credit union;
• Forced closure of a share or share draft/checking account at the credit union due to misuse;
• Special balance requirements, if any, are not maintained by you; or
• Any other situation in which the credit union deems revocation to be in its best interest.

General Info:

• Accounts will no longer be assigned an S, L, or I-type -- they will have a full account number;
• Changed the name of Privilege Pay to Premium Overdraft;
• In the dormant accounts section, added the term “inactive” to accounts where we may charge a fee
• Reaffirms your rights for arbitration and waiver of class action. We believe this is the quickest means to resolve any disputes.