These are highlighted areas regarding information that is important to you as a member and your account. For more detailed information please ask for your Membership and Account Agreement brochure.

Overdraft - Nonsufficient Funds - In order for the share draft system to have complete
acceptability, Overdrafts must be held to a minimum. If nonsufficient funds occur more
than three (3) times within any one month, further permission to use share drafts may be denied.
A $20.00 charge will be assessed for each draft that is nonsufficient.

Service Charges - You agree to pay all service charges that apply to your account. These charges
are subject to change from time to time. A Schedule of Fees which lists our current service charges. Fees and balance requirements is available at the Credit Union.

Waiver of Rights & Fees - Fees for certain service may be reduced or not charged for statement
cycles in which certain minimum, average or aggregate balance requirements are met, as determined by us from time to time. We reserve the right to waive the enforcement of any of the terms of this Agreement with you with respect to any transaction or series of transactions. However, any such waiver will not affect our right to enforce any of our rights with respect to later transactions with you. The fact that we, on any given occasion, may enforce or waive our rights does not obligate us to enforce or waive similar rights in the future, nor will this be sufficient to modify the terms and
conditions set forth in this Agreement.

Garnishment or Levy of Account- If any of your accounts are garnished or otherwise subject to levy
by lawful legal action, we will not be liable to you for any such sums as we may be required to pay
because of such a garnishment or levy. If we are not otherwise reimbursed, we may charge such
expenses to your account. Any garnishment or other levy to your account is subject to the Credit
Union's lien and security interest.

Statements - We will send account statements for all accounts. Sharedraft statement will be mailed monthly and regular share account mailed quarterly. We will mail your statement to the address we have for you in our records, unless you have requested another arrangement in writing.
If any statement is returned to us because of an incorrect address, we may stop sending statements to you. If you have requested us to hold rather than mail your statements, you must call for them promptly. We will destroy statements being held after 90 days. You will be responsible for the same care in reviewing the statements as if they were mailed. You should carefully examine the statement when you receive it. If you feel there is an error on the statement, or that some unauthorized person has withdrawn funds from the account, You should notify us immediately. We will consider the statement to be correct unless we hear from you promptly (within 30 days of mailing date) after receipt of statement. Also, because you, as depositor, are in the best position to discover an unauthorized use of your account by reviewing the statement provided to you, you agree that we will not be liable for paying such items if (a) you did not exercise reasonable care in examining the statement or you have not reported alterations or possible forgeries to us within 10 days of the mailing date of the earliest statement containing these items, or (b) these items were forged so cleverly (as by authorized use of a facsimile machine or otherwise) that the forgery or alteration could not be detected by a reasonable credit union employee.

Stopping Payment - If it has not already been paid, you may ask us to stop payment of a draft drawn on your Sharedraft account. You must tell us, in writing, the exact amount of the draft, draft number, date of draft, payee and the full account number on which it is drawn for us to be able to enter a stop payment. If the information you give us is not correct, or incomplete, we will not be responsible if we are not able to effect the stop payment. There is a 24 hour waiting period before the stop payment is fully in effect. (Time consideration - business hours.) The Credit Union reserves the right to not accept verbal stop payment requests.

Closing your Account - If you close any account, you are still responsible for paying any service
charges incurred until such time as the balance is $00.00. You agree to pay a dividend penalty if you withdraw any portion or redeem a Term Share Account or IRA account before the maturity date. We have the right to close your account or accounts at any time without advance notice. If account is closed prior to dividend posting, accrued dividends will not be paid to account.