Membership and 
                                                              Account Agreement 
                                                                                  
                     
      
     This Agreement is the contract of deposit, which covers your and our rights and responsibilities concerning Membership and Ac count(s) 
     offered to you.  In this Agreement, the words "you" and "yours" mean those who sign the Account Application Card ("Account Card") or 
     approve an electronic application.  The words "we," "us," and "our" mean the Red Canoe Credit Union ("Credit Union").  The word 
     "account" means any one or more deposit accounts you have with the Credit Union. 
      
     By signing the Account Card or completing and transmitting an online account authorization or service request that is a part of the 
     Agreement, each of you, jointly and severally, agree to the terms and conditions in this Agreement, including the Funds Availability 
     Policy,  Electronic  Services  Agreement,  Privacy  Policy,  and  the  Truth-in-Savings  Disclosures  (Rates  and  Fee  Schedule) 
     accompanying this Agreement, any account receipt, the Credit Union's Bylaws and policies, and any amendments, which collectively 
     govern your Membership and Accounts.  You agree that additional accounts and services you request in the future will be governed by 
     this Agreement, as amended from time to time.   
     IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.  To help the government fight the funding 
     of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verity, and record i nformation that 
     identifies each person who opens an account.  What this means to you:  When you open an account, we will ask for your name, 
     address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other 
     identifying documents. 
     I.  MEMBERSHIP AND ACCOUNTS 
     1.    Membership Eligibility 
     To be eligible for membership in the Credit Union you must be an individual or entity qualifying within the Credit Union's field of 
     membership, have a valid Social Security Number (SSN) or Tax Identification Number (TIN) and must satisfy the membership 
     requirements in the Credit Union's Bylaws.  You authorize us to check your account, credit and employment history, and obtain a credit 
     report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request.  
     2.    Account Ownership & Designations 
     The classification and form of ownership of your accounts are designated on your Account Card.  Unless you waive your rights, you 
     understand that certain account designations, such as joint ownership with right of survivorship or POD beneficiary may be invalidated 
     upon the Credit Union's receipt of notice of marriage dissolution or a testamentary disposition, as required by applicable law.   
     3.    Individual Accounts 
     An individual account is an account owned by one depositor including any individual, trust, or other fiduciary relationship qualified for 
     Credit Union membership.  If the account is an individual account, the interest of a deceased individual owner will pass, subject to 
     applicable law, to the decedent's estate or payable on death beneficiary, if applicable. 
     4.    Joint Accounts 
     An account owned by two or more persons is a joint account. Any account in which you request joint ownership with another party will 
     be an individual account until the Credit Union receives an Account Card signed by you and the joint owner(s), at which time the 
     account will be a jointly owned account and the following joint ownership rights will apply. 
         a.  Joint Ownership.  Joint owners are not members unless they are eligible and qualified as members. Any joint owner on a  
       share account is authorized as joint owner on all deposit sub-accounts under that account.  The ownership of any Christmas Club 
       account will be the same as your primary Savings account. 
         b.  Rights of Survivorship.  If your account is a joint account, the account is owned as a joint account with rights of survivorship.  
       Upon the death of one of the joint account owners, that person's interest will become the property of the surviving joint account 
       owners. 
         c.  Rights of Joint Account Owners.  Any joint account owner is authorized and deemed to act for the other owner(s).  The 
       Credit Union may accept orders and instructions regarding the account and requests for future services from any account owner .  
       Each account owner guarantees the signature of the other owners.  The Member may, by written instruction, remove any joint owner 
       of any account.  Joint owners may, by written order, remove themselves from any account. Any account owner may withdraw all 
       funds in the account, stop payment on items drawn on an account, withdraw, or pledge all or any part of the shares of any account, 
       without the consent of the other account owner(s) and the Credit Union shall have no duty to notify any other joint account o wner(s).  
      
     � 2018 Farleigh Wada Witt             1                                May 2018  
       If the Credit Union receives written notice of a dispute between account owners or receives inconsistent instructions from them, the 
       Credit Union may suspend or terminate the account, require a court order to act, or require that all joint account owners agree in 
       writing to any transaction concerning the account. 
         d.  Joint Account Owner Liability.  If any item deposited in a joint account is returned unpaid or an account is overdrawn, or if 
       we do not receive final payment on any transaction, each of the multiple account owners is jointly and severally liable to the Credit 
       Union for the amount of the returned item, overdraft, or unpaid amount and any fees, regardless of who created the overdraft, 
       deposited or cashed the item or benefited from the transaction.  If any account owner is indebted to the Credit Union, the Credit 
       Union may enforce its rights against any or all funds in the joint account regardless of who contributed the funds to the joint account. 
     5.    POD Beneficiaries 
     A Payable on Death (POD) designation is an instruction to the Credit Union that a designated account is an account payable to the 
     owner or owners during their lifetimes, and upon the death of the last joint account owner, payable to any named and surviving POD 
     beneficiary designated by you. Accounts payable to more than one POD beneficiary are owned jointly by such beneficiaries with rights 
     of survivorship.  Any POD beneficiary designation shall not apply to IRA accounts which shall be governed by a separate beneficiary 
     designation.  The Credit Union shall at no time have any obligation to notify any beneficiary of the existence of any account or the 
     vesting of the beneficiary's interest in any account, except as otherwise provided by law. 
     6.     Youth Accounts  
     Youth accounts are special accounts and must be established by a parent or guardian who will be a joint owner on the account and 
     who shall be jointly and severally liable to the Credit union for any returned item, overdraft, or unpaid fees or amounts on such account.  
     The account may include a special provision to prohibit direct access by the youth. The joint owner only accesses the account. In the 
     absence of such provision to prohibit access, the credit union may make payments of funds directly to the youth without regard to his or 
     her minority. Unless a parent or guardian is a joint owner, the parent or guardian shall not have the right to access the account. The 
     credit union has no duty to inquire of the use or purpose of any transactions by the youth or joint account owner. The youth account 
     owner�s tax identification number must be shown on the account. The credit union shall not change the account status when the youth 
     reaches age eighteen (18), unless authorized in writing by all account owners. All other provisions for accounts for minors apply to 
     Youth accounts. 
     7.    Fiduciary Accounts 
     A fiduciary account is an account opened by an executor, administrator, personal representative, trustee, conservator, or other fiduciary 
     in such capacity authorized under a will, court order or trust instrument establishing the fiduciary relationship or a Representative Payee 
     authorized by the Social Security Administration ("fiduciary"). The account owner is the estate, conservatorship, trust or Social Security 
     Administration benefit recipient as the sole owner of this account.  The fiduciary is authorized to act on behalf of the account owner but 
     has no ownership interest in the account. The fiduciary is the only authorized party to transact on this account. The fiducia ry is 
     expressly authorized to endorse all items payable to or owned by the Account owner for deposit with or collection by the Credit Union 
     and to execute such other agreements and to perform any other account transaction under the Agreement. The fiduciary is authorized 
     to receive account information from the Credit Union, either orally or in writing, and any information related to the account. The authority 
     given to the fiduciary shall remain in full force until a court order, termination of the account owner or written notice of revocation is 
     received by the Credit Union either by a court appointed representative of the account owner or by the Social Security Administration, 
     as applicable. Any such notice shall not affect any items in process at the time notice is given.  The fiduciary will notify the Credit Union 
     of any change in the account owner's status affecting the deposit relationship between the account owner and the Credit Union.  The 
     fiduciary warrants that all actions he or she takes regarding the account will be for the sole benefit of the account owner and that the 
     fiduciary will not conduct any transaction on the account that will personally benefit the fiduciary or will not comply with the terms of the 
     applicable  laws,  will,  court  order  or  instrument  establishing  the  fiduciary  relationship.  The  Credit  Union  may  rely  upon  these 
     representations and shall have no duty to examine such authorizing documents for compliance or inquire as to the powers and duties of 
     the fiduciary and shall have no notice of any breach of fiduciary duties by the fiduciary unless the Credit Union has actual notice of 
     wrongdoing. The account owner agrees that the Credit Union shall not be liable for any losses due to the account owner 's failure to 
     notify the Credit Union of any unauthorized acts of the fiduciary or changes to the relationship between the fiduciary and account owner. 
     The account owner and fiduciary agree to indemnify and hold Credit Union harmless of any claim or liability as a result of un authorized 
     acts of the fiduciary upon which Credit Union relies prior to any actual notice of any account change or change of account owner. 
     8.    Deposit Requirements 
     Funds may be deposited to any account in any manner approved by the Credit Union in accordance with the requirements set forth on 
     the Rate and Fee Schedule.  All accounts are nonassignable and nonnegotiable to third parties. You agree not to deposit any substitute 
     check or similar item that you have created, or for which no financial institution has provided any substitute warranties and indemnity.  If 
     you do so, you agree to indemnify the Credit Union for all losses the Credit Union incurs in connection with the substitute check or item.  
     You agree not to deposit any substitute check without our consent. 
         a.  Endorsements.  You authorize the Credit Union, in its discretion, to accept transfers, checks, drafts, and other items for 
       deposit into any of your accounts, whether or not they are endorsed by all payees.  You authorize the Credit Union to supply missing 
       endorsements  if  the  Credit  Union  chooses  to  supply  such  endorsements.   The  Credit  Union  reserves  the  right  to  verify  all 
       endorsements on third party checks presented for deposit either in person or by comparison with member signature files. If an 
      
     � 2018 Farleigh Wada Witt             2                                May 2018  
       insurance, government, and certain other checks or drafts require an endorsement as set forth on the back of the check, the Credit 
       Union may require endorsement as set forth on the check.  Endorsements must be placed in the space between the top edge and 1 
       � inches from the top edge.  The Credit Union may accept drafts or checks with endorsements outside this space.  However, if any 
       such endorsement or other markings you or any prior endorser make on the check cause any delay or error in processing the item for 
       payment, you will be responsible for any loss incurred by the Credit Union due to the delay or error. 
         b.  Collection of Items.  The Credit Union shall not be responsible for deposits made by mail or at an unstaffed facility until the 
       Credit Union actually receives them.  In handling items for deposit or collection, the Credit Union only acts as your agent and 
       assumes no responsibility beyond the exercise of ordinary care.  The Credit Union will not be liable for default or negligence of any 
       correspondent or for loss in transit, and each correspondent will only be liable for its own negligence.  The Credit Union reserves the 
       right to send any item for collection. The Credit Union, in receiving items from you for withdrawal or deposit, acts only as your agent 
       and reserves the right to reverse the credit for any deposited items or to charge your account for the items should they become lost in 
       the collection process. 
         c.  Final Payment.  All items or Automated Clearing House ("ACH") transfers credited to your account are provisional and 
       subject to our receipt of final payment.  If final payment is not received, we reserve the right to charge your account for the amount of 
       those items or ACH transfers and impose a return fee on your account.  After we have received final payment, we refer to these 
       deposits as collected items.  If the Credit Union incurs any fee to collect any item, the Credit Union may charge such fee to your 
       account.  The Credit Union reserves the right to refuse or to return all or any item or funds transfer.  The Credit Union shall have the 
       right to charge back against your account all previously deposited items or other items endorsed by you that are returned to the 
       Credit Union unpaid, regardless of whether the amount of the item has been available for your use. 
         d.  Direct Deposits.  The Credit Union may offer direct deposit options allowing you to preauthorize deposits (i.e., payroll 
       checks, Social Security or retirement checks, or other government checks) or preauthorize transfers from other accounts at the Credit 
       Union.  You must authorize any direct deposits to your accounts by a separate authorization form.  If applicable, you must notify the 
       Credit Union at least thirty (30) days prior to any direct deposit or preauthorized transfer if you wish to cancel or change the direct 
       deposit or direct transfer option.  Upon a filing of a bankruptcy, if you fail to cancel any direct deposit authorization, you instruct your 
       employer and the Credit Union to make and apply direct deposits in accordance with your authorization on file with the Credit Union.  
       If the Credit Union is required to reimburse the U.S. Government for any benefit payment directly deposited into your account for any 
       reason, you agree the Credit Union may deduct the amount returned from any of your accounts, unless prohibited by law. 
         e.  Crediting of Deposits.  Deposits made on Saturdays, Sundays, and Credit Union holidays will be credited to your account on 
       the next business day.  Ask for our current deposit cutoff time.  Deposits received at unstaffed facilities, such as night depositories, 
       will be credited on the day funds are removed and processed by the Credit Union and are subject to adjustment based on our 
       verification of the items deposited.  Items drawn from an institution located outside the United States are handled on a collection 
       basis only.  Funds will be credited to your account when we receive final payment.  You waive any notice of nonpayment, dishonor, 
       or protest regarding any items purchased or received by the Credit Union for credit to your account or for collection. 
     9.    Account Access 
         a.  Authorized Signature.  The Credit Union is authorized to recognize your signature, but will not be liable for refusing to honor 
       any item or instruction of yours if it believes in good faith that the signature on such item or instruction is not genuine. If you open 
       your account electronically and/or do not provide us with a physical signature, you agree that we may, without liability, accept as 
       genuine any signature that appears to be yours.  If you have authorized the use of a facsimile signature, the Credit Union may honor 
       any draft that appears to bear your facsimile signature even if it was made by an unauthorized person.  If you give your account 
       number to a third person, you authorize us to honor transactions initiated by the third person even if you did not specifical ly authorize 
       a particular transaction. 
         b.  Access Options.  You may make withdrawals or transfers from your account in any manner which is permitted by the Credit 
       Union (i.e., check, automated teller machines (ATMs), debit card, in person, by mail, automatic transfer, Online and Mobile Banking 
       service, or telephone).  If the Credit Union accepts any check that is not drawn on a form provided by the Credit Union, you will be 
       responsible for any loss incurred by the Credit Union for handling the check.  The Credit Union may return as unpaid any check that 
       is not drawn in the form provided by the Credit Union. 
         c.  Electronic Check Transactions. 
           i.  Electronic Checks.  If you authorize a merchant to electronically debit your checking account using the routing number, 
     account and serial number of your check to initiate the transfer, whether the check is blank, partially or fully completed and signed, such 
     authorization is an electronic check conversion.  An electronic check conversion is an electronic funds transfer (EFT) subject to the 
     terms of your Electronic Services Agreement. You authorize us to honor any electronic check conversion from your checking account 
     just the same as a regular written check. 
           ii.  Electronic Re-presented Checks.  If you write a check on a personal account that we return unpaid because of insufficient 
     or uncollected funds, payee or any subsequent holder of the check may re-present the check to us, through an electronic instruction 
     (Electronic Re-presented Check) to charge your account for the amount of the check.  If we receive an electronic re-presented check, 
     we will pay or return the electronic re-presented check as if the original paper check was presented to us.  Any collection fee you 
     authorize the merchant to debit from your account is an Electronic Services subject to the terms of your Electronic Services Agreement. 
      
     � 2018 Farleigh Wada Witt             3                                May 2018  
     If you want to reverse an electronic re-presented check, you must give us an affidavit within 15 days after we send or make available to 
     you the periodic statement that reflects payment of that electronic re-presented check.  In your affidavit, you must declare and swear 
     under oath that the electronic re-presented check was ineligible or unauthorized.  If we receive proper notice or affidavit from you within 
     the 15 day period, we will re-credit your account with the amount of the charge.  If you wish to stop payment of any electronic re-
     presented check, you must follow the procedures contained in this Agreement for stopping payment of checks, not the procedure s for 
     stopping payment on electronic loan or bill payments.  If you ask us to request the depositor's bank to send us the original paper check 
     or a copy of the paper check, and we provide it to you, you agree that you will not seek to have your account re -credited due to a prior 
     stop payment order or if the item is otherwise ineligible for collection. 
         d.  ACH & Domestic Wire Transfers.  If offered, you may initiate or receive credits or debits to your account via wire transfer or 
       ACH (Automated Clearing House) transfer. You agree that if you receive funds by a wire or ACH transfer, the Credit Union is not 
       required to notify you at the time the funds are received. Instead, the transfer will be shown on your periodic statement. Th e Credit 
       Union may provisionally credit your account for an ACH transfer before it receives final settlement for the transfer. You agree that if 
       the Credit Union does not receive final settlement for a transfer, it may reverse the provisional credit to your account, or you will 
       refund the amount to the Credit Union. When you initiate a wire transfer, you may identify either the recipient or any financial 
       institution by name and by account number. The Credit Union (and other institutions) may rely on the account or other identif ying 
       number you give as the proper identification number, even if it identifies a different party or institution. Terms and conditions for 
       international wire transfers will be provided at the time of the transfer transaction. Domestic wire transfers are governed by the 
       Uniform Commercial Code Section 4A, and (if the transfer is cleared through the Federal Reserve) by Federal Reserve Regulation J. 
       International wire transfers are governed by the Bureau of Consumer Financial Protection Regulation E. ACH transactions are 
       governed by the rules of the National Automated Clearing House Association.  Under those rules, if you have revoked your 
       authorization for previously authorized ACH transactions, the Credit Union will not be responsible for the unauthorized ACH debits to 
       your account if you fail to notify us in writing within 15 days after we send, or make available to you, the statement containing that 
       entry. You agree that the authorized transfer to or from your account must comply with all applicable federal and state laws or 
       regulations including OFAC (Office of Foreign Asset Control) regulations. 
         e.  International ACH Transactions.  You understand that in the event of an International ACH Transaction ("IAT") Entry that is 
       transmitted to or from any one of your accounts is identified and designated by the Credit Union's screening criteria for review and 
       examination under the OFAC Rules and Regulations ("OFAC Rules").  The settlement of such an IAT Entry may be delayed or 
       suspended pending the Credit Union's review of the IAT Entry, and may be terminated under applicable OFAC Rules.  You 
       acknowledge that we may be required to place an indefinite hold on the funds covered by the IAT Entry if the IAT Entry is req uired to 
       be terminated under the OFAC Rules.  You agree that any delay described above will be a permissible delay under the regulations 
       applicable to the availability of funds held in deposit accounts.  In the event an IAT Entry is delayed or terminated, we will provide you 
       such notice as may be required by applicable laws and regulations. 
         f.  Credit Union Examination.  The Credit Union may disregard information on any check other than the signature of the drawer 
       and amount of the item and any magnetic encoded information.  You agree the Credit Union does not fail to exercise ordinary care in 
       paying an item solely because its procedures do not provide for sight examination of items. 
     10.   Account Rates and Fees 
     The Credit Union's payment of dividends on any account is subject to the account rates, fees, earnings, payment and balance 
     requirements as set forth on the Rate and Fee Schedule. You agree the Credit Union may impose fees for the deposit account services 
     provided by the Credit Union.  A current Rate and Fee Schedule has been provided to you separately.  You agree the Credit Union may 
     change the Rate and Fee Schedule from time to time and you will be notified of such changes as required by law. 
     11.   Transaction Limitations 
         a.  Withdrawal Restrictions.  The Credit Union will permit a withdrawal only if you have sufficient available funds in your account 
       to cover the full amount of the withdrawal or have an established overdraft protection plan. Checks or other transfer or payment 
       orders which are drawn against insufficient available funds will be subject to a service fee, set forth in the Rate and Fee S chedule.  If 
       there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals 
       for which there are sufficient available funds. The Credit Union may also refuse to allow a withdrawal in other cases, for example: any 
       dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal), a legal 
       garnishment or attachment is served, the account secures an obligation to the Credit Union, any required documentation has no t 
       been presented, or you fail to repay a Credit Union loan on time.  You will be advised of the reasons for refusal if such action is taken.  
       The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any ac count 
       (except checks) of not less than seven (7) days and up to sixty 60 days, as required by law, before such withdrawal. 
         b.  Transfer Limitations.  For Savings accounts and Money Market accounts, you may make up to six (6) preauthorized, 
       automatic, online, telephonic or audio response transfers, to another account of yours or to a third party during any calendar month.  
       A preauthorized transfer includes any arrangement with the Credit Union to pay a third party from the member's account upon o ral or 
       written orders including orders received through the ACH.  There is no limit on the number of transactions you may make in the 
       following manner: (i) transfers to any loan account with the Credit Union, and (ii) transfers to another Credit Union account or 
       withdrawals (checks mailed directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM.  If a transfer 
       request would exceed the transfer limitations set forth above in any statement period, the Credit Union may refuse or reverse the 
       transfer, and your account will be subject to suspension or closure by the Credit Union and the Credit Union may impose a fee. 
      
     � 2018 Farleigh Wada Witt             4                                May 2018  
     12.   Overdrafts 
         a.  General Overdraft Liability. If on any day the available funds in your checking account are not sufficient to cover checks and 
       other items (ACH, debit card or ATM card transactions) posted to your account, those checks and items will be handled in 
       accordance with our overdraft procedures and the terms of this Agreement. If we pay a check or item that overdraws your account, 
       you are liable for and agree to pay the overdraft amount and an insufficient funds (NSF) fee immediately. If we do not pay the check 
       or item we will return it unpaid and you agree to pay a return item fee. We reserve the right to pursue collection o f previously 
       dishonored items at any time, including giving a payer bank extra time beyond any midnight deadline limits. 
         b.  How We Process Checks & Items.  The Credit Union�s determination of an insufficient account balance is made at the time 
       the check or item is presented to us, which may be later during the day than the time you conduct the transaction. Overdrafts will be 
       determined based on the "actual balance" in your account at the time of presentment. Transactions may not be presented in the 
       order which they occurred and the order in which checks or items are received and processed may affect if an overdraft occurs. The 
       Credit Union processes checks and items as follows: (i) checks are paid in the order they are presented, (ii)  ACH items, credits are 
       processed first and ACH debits processed second, and paid in the order they are presented(iii) debit card transactions are paid in the 
       chronological order they are received. 
         c.  Overdraft Protection Plans. Transfers from Line of Credit.  We will honor checks and other items drawn on insufficient 
       funds in your checking account by transferring the necessary funds from your designated Line of Credit Account, if applicable.  If you 
       are within the credit limit of your line of credit account, you authorize us to transfer funds in amounts necessary to cover the overdraft. 
       If your credit limit is insufficient to cover the overdraft amount, we will not transfer any amount. Unless another overdraft protection 
       plan applies, we will return the check or item unpaid. There is no cash advance fee, but interest will begin to accrue from the date of 
       any advance transfer. You may opt out of this overdraft transfer service at any time by notifying us verbally or in writing.  
         d.  Overdraft Protection Transfers.  Your account automatically has free overdraft protection transfers. On checking accounts 
       with nonsufficient funds at time of the debit card purchase, check or ACH clearing we will automatically transfer money from your 
       savings or money market account.  Overdraft protection transfers will take place before Courtesy Pay is used unless you instruct the 
       credit union to opt-out of the Overdraft transfer service. You may also instruct the credit union to add other accounts you have with 
       the credit union to cover overdrafts for additional protection to cover nonsufficient funds on your checking account. 
           i.  Overdraft Service. Courtesy Pay and Debit Courtesy Pay. We offer a discretionary overdraft service (Courtesy Pay) to 
     cover overdrafts on your checking accounts. The Credit Union offers the Overdraft Service to eligible consumer checking account 
     owners who qualify. Courtesy Pay is not offered to minors, fiduciary or organizational accounts or anyone who has caused a financial 
     loss to the Credit Union, anyone with a past due loan payment at the Credit Union or anyone who has enrolled in a debt management 
     program. The Overdraft Service is provided to qualified accounts automatically for checks, ACH and online transactions, and you have 
     the option to opt-out of the service at any time.  Debit Courtesy Pay will be provided for debit card purchase transactions only if you 
     expressly request ("opt-in") Debit Courtesy Pay for these transactions. Accounts that do not opt-in for Debit Courtesy Pay with 
     insufficient funds at time of the transaction will be �declined� at the merchant with no fee. 
         e.  Terms & Conditions of Overdraft Service. The Overdraft Service will be provided under the following terms and conditions.  
           i.  Discretionary Service. Under the Courtesy Pay, we are not obligated to pay any check or item presented for payment if 
     your account does not contain sufficient funds. We may, as a discretionary service and not as a right of yours or our obligat ion to you, 
     pay overdrafts up to an approved overdraft limit under the terms of this service and subject to this Agreement. This overdraft service is 
     not a line of credit, is not guaranteed, and is independent of any loan arrangement you may have with us. We will not pay an overdraft 
     for you in excess of any limit we have established for your account type. Also, we may refuse to pay an overdraft for you at any time, 
     even if we have previously paid overdrafts for you.  
           ii.  Overdraft Transactions Covered. Subject to the eligibility and debit opt-in requirement set forth above, if on any day you 
     do not have available funds in your account, the following transactions, which may result in an insufficient or negative balance 
     (�overdrafts�), may be covered under our service: checks, debit card purchases, online or other electronic funds transfers, A CH debits 
     and other payments or withdrawals authorized by you, account service charges, pre-authorized drafts, and any other items that may be 
     posted to your account. If we pay an item, we will pay the item in the order it is presented or received by us, regardless of amount and 
     in accordance with our normal operating procedures for such checks, items or transactions. 
           iii.  Overdraft Limit. If you qualify, the Credit Union may pay overdrafts up to a limit to which you qualify, we may pay 
     overdrafts up to this overdraft limit provided you continue to qualify for the service. The Credit Union�s fees and charges and each paid 
     check or item will be included in this limit. This overdraft limit will not be included or reflected in the actual balance of your account 
     provided by a teller, at ATM or POS facilities, through online services or on your periodic statements. If you have reached your overdraft 
     limit, any checks or items presented to us will be returned for insufficient funds refer to Rate and Fee Schedule. 
           iv.  Notification. If you enroll in our email alerts service, we will notify you of any insufficient funds transactions. However, we 
     have no obligation to notify you before we pay or return any item. 
           v.  Overdraft Fees. There is an Overdraft fee for each overdraft check or item we pay as set forth on the Rate and Fee 
     Schedule. If we do not pay the overdraft, there is a Returned Item fee for each check or item we return as set forth on the Rate and Fee 
     Schedule. These fees may be amended as set forth in our Rate and Fee Schedule. There is no limit on the amount of overdraft fees 
      
     � 2018 Farleigh Wada Witt             5                                May 2018  
     that we will charge on any one day. If you have excess overdraft activity we will notify you in writing to consider discontinuing the 
     Service.  
           vi.  Member Repayment Responsibility. You agree your overdraft balance, including applicable overdraft fees, is due and 
     payable upon demand. If there is more than one owner on an account, all owners are jointly and severally liable for repayment of the 
     overdraft balance. If you fail to repay your overdraft balance within 45 days of notice from us, we may immediately suspend the 
     Overdraft service. Accounts may be closed for failure to repay overdraft balances and we will report account closures to cons umer 
     reporting agencies.  
           vii.  Member Opt-Out Right. We offer the Overdraft service as a service and convenience to members for incidental overdrafts. 
     We do not encourage you to repeatedly overdraw your account. We encourage you to manage your finances responsibly. You may op t 
     out of the Overdraft service at any time by notifying us verbally or in writing. We may require that any verbal opt-out be confirmed in 
     writing. You understand that by opting out of this service, we may refuse to pay any check or item that is presented against an 
     insufficient balance on your account and you will be responsible for any Returned Item fees. You are still responsible to pay any 
     overdraft, even if you have opted out of the service. 
     13.   Postdated and Staledated Checks 
     You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you notify the Credit 
     Union of the postdating.  Your notice will be effective only if the Credit Union receives the notice in time for the Credit Union to notify its 
     employees and reasonably act upon the notice and you accurately describe the check, including the number, date, and amount.  You 
     understand that the exact information is necessary for the Credit Union's computer to identify the check. If you give the Cre dit Union an 
     incorrect, incomplete, or untimely notice, the Credit Union will not be responsible for paying the item before the date stated and the 
     Credit Union may charge your account as of the date the Credit Union pays the item.  You may make an oral notice which will lapse 
     within fourteen (14) days unless continued in writing, within that time.  You also agree not to deposit checks, drafts, or other items 
     before they are properly payable.  The Credit Union is under no obligation to you to pay a check drawn on your account which is 
     presented more than six (6) months after its date. 
     14.   Stop Payment Orders 
         a.  Stop Payment Request.  You may ask the Credit Union to stop payment on any check drawn upon or ACH debit scheduled 
       from your checking account.  You may request a stop payment by telephone, by mail, Online Banking service or in person.  For 
       checks, the stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order.  For 
       ACH debits, the stop payment order must be received at least three banking days before the scheduled date of the transfer.  You 
       must state the number of the account, date and the exact amount of the check or ACH and the number of the check or originator of 
       the ACH debit.  The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the 
       order and you state the number of the account, date and number of the item, its exact amount, and to whom it was issued.  If you 
       give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the 
       item.  If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will no t be liable to 
       you or to any other party for payment of the item.  If we recredit your account after paying a check over a valid and timely stop 
       payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against th e payee or 
       other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person. 
         b.  Duration of Order.  You may make an oral stop payment order which will lapse within fourteen (14) calendar days unless 
       continued in writing within that time.  A written stop payment order on a check or an ACH transaction will continue for a period of six 
       months, until the entry is returned or until you cancel the stop payment order.  
         c.  Liability.  The Credit Union may charge a fee for each stop payment order requested, as set forth in the Rate and Fee 
       Schedule.  You may not stop payment on any certified check or draft, cashier's check or teller's check, or any other check, draft, or 
       payment guaranteed by the Credit Union.  You should be aware that while payment of the item may be stopped, you may remain 
       liable to any person, including the Credit Union, who is a holder of the item despite the stop payment order.  You agree to indemnify 
       and hold the Credit Union harmless from all costs, including attorney fees, damages or claims related to the Credit Union's a ction in 
       refusing payment of an item, including claims of any multiple party account owner, payee, or endorsee in failing to stop payment of an 
       item as a result of incorrect information provided by you. 
     15.   Credit Union's Liability for Errors 
     If the Credit Union does not properly complete a transaction according to this Agreement, the Credit Union may be liable for your losses 
     or damages but not to exceed the amount of the transaction, except as otherwise provided by law.  The Credit Union will not be liable if:  
     (a) through no fault of the Credit Union, your account does not contain enough money to make the transaction, (b) circumstances 
     beyond the Credit Union's control prevents the transaction, (c) your loss is caused by your negligence including your failure to examine 
     your statements, (d) the negligence of another financial institution, or (e) the funds in your account is subject to legal process or other 
     claim.  The Credit Union will not be liable for consequential damages except liability for wrongful dishonor.  The Credit Union's actions 
     will constitute the exercise of ordinary care if such actions or nonactions are consistent with applicable state law, Federal Reserve 
     regulations and operating letters, clearing house rules, and general banking practices followed in the area serviced by the Credit Union.  
     You grant the Credit Union the right, in making payments of deposited funds, to rely exclusively on the form of the account and the 
      
     � 2018 Farleigh Wada Witt             6                                May 2018  
     terms of this Account Agreement.  Any conflict between oral representations by you or Credit Union employees and any written form will 
     be resolved by reference to this Agreement and applicable written form.  
     16.   Credit Union Lien and Security Interest 
     To the extent you owe the Credit Union money as a borrower, guarantor, indorser or otherwise, the Credit Union has a lien on any or all 
     of the funds in any account in which you have an ownership interest at the Credit Union, regardless of the source of the funds.  The 
     Credit Union may apply these funds in any order to pay off your indebtedness without further notice to you.  If the Credit Union chooses 
     not to enforce its lien, the Credit Union does not waive its right to enforce the lien at a later time.  In addition, you grant the Credit Union 
     a consensual security interest in your accounts and agree the Credit Union may use the funds from your accounts to pay any debt or 
     amount owed the Credit Union, except obligations secured by your dwelling, unless prohibited by applicable law.  All accounts are 
     nonassignable and nontransferable to third parties. 
     17.   Legal Process 
     If any legal action, such as a levy, garnishment, or attachment, is brought against your account, the Credit Union may refuse to pay out 
     any money from your account until the dispute is resolved.  If the Credit Union incurs any expenses or attorney fees in responding to 
     legal process, such expenses may be charged against your account without prior notice to you, unless prohibited by law.  Any legal 
     process against your account is subject to the Credit Union's lien and security interest. 
     18.   Account Information 
     Upon your request, the Credit Union will inform you of the name and address of each credit reporting agency from which the Credit 
     Union obtains a credit report in connection with your account.  The Credit Union agrees not to disclose information to third parties about 
     your account regarding any transaction or balances except when:  (a) it is necessary to complete the transaction; (b) the third party 
     seeks to verify the existence or condition of your account in accordance with the Fair Credit Reporting Act or other applicable laws and 
     regulations; (c) such disclosure is in compliance with the law, government agencies or court orders; or (d) you give us your express 
     permission. 
     19.   Notices 
         a.  Name or Address Changes.  It is your responsibility to notify the Credit Union upon a change of address or change of name.  
       The Credit Union is only required to attempt to communicate with you at the most recent address you have provided to the Cred it 
       Union.  The Credit Union will accept notices of a change in address and any other notice from you to the Credit Union only if provided 
       in writing, in person, by telephone, by Online Banking service, or by secure messaging. If the Credit Union attempts to locate you, the 
       Credit Union may impose a service fee as set forth in the Rate and Fee Schedule. 
         b.  Notice of Amendments.  Except as otherwise prohibited by applicable law, the terms of this Agreement are subject to 
       change at any time.  The Credit Union will notify you of any changes in account terms, rates, or fees as required by law.  The Credit 
       Union reserves the right to require written consent of all account owners for a change of ownership, such as adding a joint owner.  
       The member may remove another joint owner from the account.  The Credit Union reserves the right to waive any term in this 
       Agreement.  Any such waiver shall not affect the Credit Union's right to enforce any right in the future. 
         c.  Effect of Notice.  Any written notice you give to the Credit Union is effective when it is actually received by the Credit Union.  
       The Credit Union reserves the right to accept oral instructions, and you agree to hold the Credit Union harmless from any liability as a 
       result of such instructions. Any written notice the Credit Union gives to you is effective when it is deposited in the U.S. Mail, postage 
       prepaid and addressed to you at your statement mailing address.  Notice to any one account owner is considered notice to all owners 
       of the account. 
         d.  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. 
         e.  Electronic Signatures.  You understand and agree that your electronic consent is your electronic signature which specifically 
       records your signature and assent to the Membership and Account Agreement and constitutes your agreement to the terms and 
       conditions of the Membership and Account Agreement. You agree your electronic signature captured and stored as an image by this 
       electronic means shall be sufficient to evidence of your assent to be contractually bound by the Agreement and shall constitute a 
       valid signature for purposes of any provision of this Agreement. 
     20.   Taxpayer Identification Numbers (TIN) and Backup Withholding 
     If your account is or becomes subject to backup withholding, the Credit Union is required by law to withhold and pay to the I nternal 
     Revenue Service (IRS) a required percentage of payments of interest, dividends and certain other payments under certain conditions.  
     Your failure to furnish a correct taxpayer identification number (TIN) or meet other applicable requirements may result in ba ckup 
     withholding as well as civil or criminal penalties.  If you refuse to provide your TIN, the Credit Union may delay the opening of your 
     account.  
     21.   Statements 
      
     � 2018 Farleigh Wada Witt             7                                May 2018  
         a.  Contents.  If the Credit Union provides a statement for your account, you will receive a periodic statement of all transactions 
       and activity on your account during the statement period.  If a periodic statement is provided you agree that only one statement is 
       necessary for a multiple party account.  For checking accounts, you understand that when paid, your original check (or any substitute 
       check) becomes property of the Credit Union and may not be returned to you.  You agree to keep a copy or carbon copy of your 
       original check in order to verify its validity.  If you request us to provide you with an original check or sufficient copy, you agree that 
       we may provide an electronic image of the original check or sufficient copy if you have agreed to receive account information or 
       statements electronically.  You understand your statements and checks are made available to you on the date the statement is 
       mailed to you. 
         b.  Examination.  You are responsible for examining each statement and reporting any irregularities to the Credit Union.  The 
       Credit Union will not be responsible for any forged, altered, or unauthorized check or item drawn on your account if (i) you fail to 
       notify the Credit Union within 30 days of the mailing date of the earliest statement and availability of checks containing any forgery, 
       alteration, or unauthorized signature on the item or (ii) any items forged or altered in a manner not detectable by a reasonable person 
       including the unauthorized use of a facsimile signature machine. For Electronic Services, you have separate requirements for 
       examining your statements and notifying us of statement errors or unauthorized electronic funds transactions as set forth in the 
       Electronic Services Service Agreement. 
         c.  Notice to Credit Union.  You agree that the Credit Union's retention of checks does not alter or waive your responsibility to 
       examine your statements and check copies, or the time limit for notifying the Credit Union of any errors.  The statement will be 
       considered correct for all purposes and the Credit Union will not be liable for any payment made or charged to your account u nless 
       you notify the Credit Union in writing within the above time limit after the statement and checks are made available to you. 
         d.  Electronic Statements (eStatements).  If you have elected to receive your statement electronically, your statement will be 
       available through the Online and Mobile Banking service to access, review, print, and otherwise copy or download on the fifth of each 
       month for the previous month's statement as disclosed in your online statement agreement.  
     22.   Inactive and Abandoned Accounts 
     If you have an account that you have not made a withdrawal from, deposit to, renewal of, or transfer involving your account for more 
     than twelve (12) months, the Credit Union may classify your account as inactive and may charge an inactive account service fe e as 
     allowed by applicable law and set forth on the Rate and Fee Schedule. If your account is classified as inactive and the Credit Union has 
     been unable to contact you by regular mail during this period, the Credit Union may classify your account as dormant and may charge a 
     dormant account service fee as allowed by law and set forth on the Rate and Fee Schedule. Thereafter, dividends or interest will not be 
     paid on the account if the balance falls below any minimum balance requirement. You authorize us to transfer funds from any a vailable 
     account of yours to cover the monthly maintenance fee, if necessary. If a deposit or withdrawal has not been made on the account, you 
     have not otherwise indicated an interest in the account, or the Credit Union has had no other contact with you within three (3) years as 
     required by the Uniform Unclaimed Property Act, the account will presumed to be abandoned. Funds in abandoned accounts will be 
     remitted in accordance with state law. Once funds have been turned over to the state, the Credit Union has no further liabili ty to you for 
     such funds. If you choose to reclaim such funds, you must apply to the appropriate state agency. 
     23.   Death of Account Owner 
     For members who are Washington residents, you irrevocably waive the right to make a testamentary disposition of any account with the 
     Credit Union, now and in the future.  You agree that upon your death, your account will be payable in accordance with any existing 
     account designations and the terms of this Agreement.  The Credit Union may require the survivor or other claimant to the account to 
     produce certain documents before  releasing the funds  in  the  account.   The  Credit Union may  continue to  honor  all transfers, 
     withdrawals, deposits and other transactions on the account until the Credit Union learns of an account owner's death.  Once the Credit 
     Union learns of a member's death, the Credit Union may pay checks or honor other payments or transfer orders authorized by the 
     deceased member for a period of ten days unless the Credit Union receives instructions from any person claiming an interest in the 
     account to stop payment on the checks or other items.  You agree that the Credit Union can require that anyone who claims funds in 
     your account after your death to indemnify the Credit Union for any losses resulting from honoring that claim. Termination of Account 
     The Credit Union 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:  (a) there is a change in owners or authorized signers, (b) there has been a forgery or fraud reported or committed 
     involving your account, (c) there is a dispute as to the ownership of the funds in the account, (d) any account checks are lost or stolen, 
     (e) if there are excessive returned unpaid items not covered by an overdraft plan, or (f) if there has been any misrepresentation or any 
     other abuse of any of your accounts, (g) we reasonably deem it necessary to prevent a loss to us, or (h) if you engage in any activity of 
     betting or wagering or are otherwise engaged in any internet gambling business, or any owner or authorized user causes the Credit 
     Union to suffer a loss.  You may terminate your account at any time by notifying the Credit Union by oral direction or in writing.  The 
     Credit Union is not responsible for payment of any check, withdrawal, or other item once your account is terminated; however, if the 
     Credit Union pays a check after termination, you agree to reimburse the Credit Union for payment. 
     24.   Termination of Membership 
     You may terminate your membership at the Credit Union after giving written notice of your intent to withdraw. You may be expelled if 
     there has been any misrepresentation or any other abuse on any of your other accounts or if you fail to comply with the Credi t Union 
     policies, procedures, or Bylaws, conduct yourself in a threatening or abusive manner to Credit Union personnel, or willfully damage 
      
     � 2018 Farleigh Wada Witt             8                                May 2018  
     Credit Union property. You may be denied service or expelled from membership for any reason allowed by applicable law, includ ing 
     causing a loss to the Credit Union or violating any terms of membership. If you are expelled, you may not be a joint account owner on 
     another account. 
     25.   Special Account Instructions 
     You may request the Credit Union to facilitate certain trust, will, or court-ordered account arrangements.  However, because the Credit 
     Union does 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.  You and any surviving owner or beneficiary agree(s) to indemnify and hold the Credit 
     Union harmless from any claim or liability asserted against the Credit Union as a result of the disposition of funds in reliance on this 
     agreement and any account designation of yours.  If you ask the Credit Union to follow instructions that the Credit Union believes might 
     expose it to claims, suits, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, the Credit Union may refuse to follow 
     your instructions or may require you to post a bond or otherwise indemnify the Credit Union.  Any item presented with a full payment 
     legend must be presented in person to a Credit Union officer; otherwise, payment is accepted with full reservation of rights.  Account 
     changes requested by you must be evidenced by a signed Account Card and be accepted by the Credit Union.  The Credit Union will 
     not recognize the authority of someone to whom you have given power of attorney without an acceptable, written Power of Attorney on 
     record at the Credit Union. You understand and agree that the Credit Union may choose to retain electronic or imaged copies of any 
     original documents and you agree that an electronic or image copy is as valid as an original document.   
     26.   Enforcement 
     You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs 
     as a result of any dispute involving your accounts or services.  You authorize the Credit Union to deduct any such liability, loss, or 
     expense from your account without prior notice to you.  If you are in breach of this Agreement or any other loan or service agreement 
     with us or we suspect fraudulent activity on your account, we may without prior notice restrict access to your accounts or suspend your 
     electronic services or access devices, including ATM or debit cards and online or mobile banking services.  Such restrictions may 
     continue until you cure any breach condition or any fraud condition is resolved.  In the event either party brings a legal action to enforce 
     the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, 
     (subject to applicable law), to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, 
     bankruptcy proceedings, and any post judgment collection actions, if applicable. 
     27.   Governing Law 
     This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the State of 
     Washington and the state in which you reside, as applicable, and local clearinghouse rules, as amended from time to time.  Any 
     disputes regarding this Agreement shall be subject to the jurisdiction of the courts in the county where the Credit Union is located or the 
     county in which the member resides if required by law. In the event that any paragraph of this Agreement or any portion thereof is held 
     by a court to be invalid or unenforceable for any reason, the other paragraphs and portions of this Agreement shall not be in valid or 
     unenforceable and will continue in full force. 
                     
     Funds Availability Policy 
     1.    General Funds Availability Policy 
     For savings accounts, we reserve the right to place reasonable holds on deposited funds to the extent permitted by law. 
      
     For checking accounts, our general policy is to make funds from your deposits available to you on the first business day after the day 
     that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds  are 
     available, you can withdraw them in cash and/or we will use them to pay checks that have been written.  For check deposits, other than 
     government checks, made at a shared branch facility, we will place a two business day hold on the funds. For determining the 
     availability of your deposits, every day is a business day, except Sundays and federal holidays.  If you make a deposit before 3:00 pm 
     on a business day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit after 3:00 
     pm or on a day that we are not open, we will consider that the deposit was made on the next business day we are open. 
     2.    Reservation of Right to Hold 
     In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after we receive 
     your deposit.  Depending on the type of check that you deposit (e.g. large checks without available funds or third party check), funds 
     may not be available until the second business day after the day of your deposit.  However, the first $200 of your deposit wi ll be 
     available on the first business day after the day of deposit.  If we are not going to make all of the funds from your deposit available on 
     the first business day, we will notify you at the time you make your deposit.  We will also tell you when the funds will be available.  If 
     your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will 
     mail you the notice by the day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when 
     the funds will be available. 
     3.    Holds on Other Funds 
      
     � 2018 Farleigh Wada Witt             9                                May 2018  
     If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a correspondin g amount of 
     funds that are already in your account.  Those funds will be available at the time funds from the check we cashed would have been 
     available if you had deposited it.  If we accept for deposit a check that is drawn on another financial institution, we may make funds from 
     the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have 
     on deposit in another account with us.  The funds in the other account would then not be available for withdrawal until the time periods 
     that are described elsewhere in this disclosure for the type of check that you deposited. 
     4.    Longer Delays May Apply 
     We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: 
         a.  We believe a check you deposit will not be paid. 
         b.  You deposit checks totaling more than $5,000 on any one day. 
         c.  You deposit a check that has been returned unpaid. 
         d.  You have overdrawn your account repeatedly in the past. 
         e.  There is an emergency, such as failure of communications or computer equipment. 
     We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds wi ll be 
     available.  They will generally be available no later than seven (7) business days after the day of your deposit. 
     5.    Special Rules for New Accounts 
     If you are a new member, the following special rules will apply during the first 30 days your account is open.  Funds from el ectronic 
     direct deposits to your account will be available on the day we receive the deposit.  Funds from deposits of cash, wire transfers, and the 
     first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state, and local government checks will be 
     available on the first business day after the day of your deposit if the deposit meets certain conditions.  For example, the checks must 
                                                  th be payable to you.  The excess over $5,000 will be available on the ninth (9 ) business day after the day of your deposit.  If your 
     deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be 
                     nd available until the second (2 ) business day after the day of your deposit.  Funds from all other check deposits will be available on the 
            th eleventh (11 ) business day after the day of your deposit. 
     6.    Deposits at Nonproprietary ATMs 
     Funds from any deposits (cash or check) made at automated teller machines (ATMs) we do not own or operate will not be available 
     until five (5) business day after the date of your deposit.  This limit does not apply at ATMs that we own or operate. All ATMs that we 
     own or operate are identified accordingly. 
     7.    Foreign Checks 
     Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed in the same way as checks drawn 
     on U.S. financial institutions. Foreign checks are exempt from the policies set forth above. Generally, the availability of funds from 
     deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institution upon which it is drawn. 
     8.    Mobile Deposits 
     The first $200 of funds from Mobile Deposits will generally be available on the day after the deposit and the remaining funds available 
     on the second business day after deposit. Additional requirements and holds will apply as set forth above. For purposes of the cut-off 
     period and availability of mobile deposits, the day of deposit is the day the Credit Union receives the check image from you and 
     converts the check data for transmission to the payer bank. You agree that the imaging and transmitting of checks alone does not 
     constitute receipt by Credit Union. Also, acknowledgment of receipt or delivery does not constitute an acknowledgment by Credit Union 
     that funds will be available. 
                     
     Electronic Services Agreement 
     This Agreement is the contract, which covers your and our rights and responsibilities concerning the Electronic Services incl uding: 
     Online  and  Mobile  Banking,  Bill  Payer,  external  transfers,  ATM  and  Debit  Cards,  Direct  Deposit  and  Mobile  Deposit  services 
     (collectively �Electronic Services�) offered to you by Red Canoe Credit Union ("Credit Union"). In this Agreement, the words " you" and 
     "yours" mean those who enroll for any of the Electronic Services and any authorized users. In this Agreement the words "we" and "us" 
     and "our" and "ours" mean Red Canoe Credit Union. The word "account(s)" means any one or more savings, checking and loan 
     accounts you have with the Credit Union and (�EFT�) means all electronic services, except Mobile Deposits. By submitting an Online, 
     Mobile or other approved enrollment, you agree to the following terms governing your and our rights and responsibilities conc erning the 
     Electronic Services provided to you. 
      
     The terms of this Agreement apply to both consumer and business members, except as specifically provided in this Agreement. For 
     consumer accounts, the primary account holder may enroll in the Electronic Services and is responsible for the acts of any joint 
     accountholder. Anyone enrolling represents that he or she is the primary account holder and is authorized to enroll in the service. 
      
     � 2018 Farleigh Wada Witt            10                                May 2018  
     Anyone using Electronic Services represents that he or she has full authority to use the Services and to engage in any action taken by 
     him or her. Any joint accountholder or an authorized user, acting alone, may effect transactions through Electronic Services. 
      
     I.  Online Banking. 
     Upon approval, you may use a computer to access your accounts with the online banking (�Online Banking�) service. You must us e 
     your member username along with your security code (�Password�) to access your accounts. Online Banking is accessible seven (7) 
     days a week. This service may be unavailable during brief maintenance periods. To access this service you will need a persona l 
     computer  and  a  web  browser  (such  as  Google  Chrome,  Firefox,  Safari,  etc.).  The  online  address  for  Online  Banking  is 
     www.redcanoecu.com.  You are responsible for the installation, maintenance and operation of your computer and modem. The Credit 
     Union will not be responsible for any errors or failures involving any telephone service or your computer, browser, internet provider, etc. 
     1.    Online Banking Transactions. At the present time, you may use Online Banking to:  
           ?   Transfer funds between your savings, checking, Money Market and Club accounts. 
           ?   Withdraw funds from your savings, checking, Money Market and Club accounts. 
           ?   Transfer funds to accounts of other members and persons using the transfer service. 
           ?   Access your line of credit account up to the credit limit. 
           ?   Make loan payments from your savings, checking, Money Market and Club accounts. 
           ?   Obtain account balance and transaction history on your savings, checking, Money Market and Club accounts. 
           ?   Obtain information on your loan account balance, transaction history, payment due dates, loan payoff amounts and 
             finance charges.  
           ?   Review available copies of cleared checks eStatements and tax information. 
           ?   Make bill payments from your checking account using the Bill Pay service. 
           ?   Initiate funds transfer payments from your accounts at other financial institutions through the Quick Pay service. 
           ?   Access and use the personal financial management services and budgeting tools. 
           ?   Communicate with the Credit Union using Secure Messaging. 
           ?   Open sub savings and checking accounts and certificate of deposits, or other accounts you can open in Online Banking. 
              
     Transactions involving your savings and checking accounts will be subject to the terms of your Membership and Account Agreeme nt. 
     Transactions involving your loan accounts will be subject to your applicable Loan Agreement and Disclosures.  
      
     2.    Online  Banking  Service  Limitations  &  Requirements.   The  following  limitations  and  requirements  on  Online  Banking 
     transactions may apply:  
            a. Transaction Authorization. You authorize us to debit your account for any transactions processed through Online Banking 
       or other Electronic Service, and for any fees incurred. You authorize us to initiate any reversing entry or reversing file, a nd to debit 
       your accounts at the Credit Union or elsewhere, in order to correct any erroneous transaction. You agree to cooperate with any action 
       to reverse a transaction that was made in error and to offset any benefit you receive against any loss we suffer.  
            b. Transfers. You may make transfers between accounts of yours as often as you like. However, transfers from your 
       savings, or money market accounts will be limited to a total of six (6) in any one month. You may transfer or withdraw up to $20,000 
       or  the available balance in your account subject  to the available credit limit on a line of credit at the time of the transfer, except as 
       limited under this Agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that 
       would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our 
       required reserve on the account. The Credit Union may set other limits on the amount of any transaction and you will be notified of 
       those limits. 
            c. Quick Pay Service.  Upon your enrollment and approval, you may use the Quick Pay service within the Online Banking 
       program to initiate funds transfers from your deposit accounts at other financial institutions to your loan accounts at the Credit Union.  
       You certify that you own or have express permission to make transfers from the accounts at the other financial institutions.  You are 
       solely responsible for the account and transaction information you input to the Quick Pay service to facilitate transactions from your 
       accounts.  Once you initiate a Quick Pay transfer, the Credit Union has no responsibility for any transaction error and will not stop or 
       reverse any transfer you make to the Credit Union. 
            d. Account  Information.  The  account  balance  and  transaction  history  may  be  limited  to  recent  account  information. 
       Availability of funds for transfer or withdrawal may be limited due to the processing time required for ATM deposit transactions and 
       our Funds Availability Policy.  
            e. Secure Messaging. You may use the secure messaging function within Online Banking to send messages to us during 
       business hours. However, the secure messaging function may not, be used to initiate a transfer on your account. The Credit Union 
       may not immediately receive messaging communications sent by you; therefore, the Credit Union will not take action on transaction 
       requests. Contact the Credit Union immediately regarding any unauthorized transaction or stop payment request. 
            f. MoneyDesktop  Financial  Management  Services.  The  MoneyDesktop  financial  management  services  allow  you  to 
       consolidate and track your financial information within the Online Banking service. The service is provided to assist you in organizing 
       and managing your finances. The budgeting tools are for informational purposes only, and are not intended to provide legal, t ax or 
       financial advice. No alerts will be generated based on this information. Your data input will directly affect the quality of the budgetary 
       data output.  
      
     � 2018 Farleigh Wada Witt            11                                May 2018  
     II.  Bill Pay Services. 
     When you apply for bill payment service (�Bill Pay�) you must designate your checking account as the account from which payments 
     that you authorize will be deducted.  You will be given the ability to set up merchants, institutions or individuals that you would like to 
     pay.  You are not permitted to designate governmental agencies or courts.  All payees must be in the United States.  We reserve the 
     right to not allow the designation of a particular merchant or institution.  
     1.    Bill Pay Transactions 
     You authorize us to process Bill Pay transactions from your checking account. You or any persons who you have authorized to use 
     your Bill Pay service or Password can perform the following Bill Pay transactions: 
           ?  Make Bill Payments.  Pay any designated merchant, institution or individual in accordance with this agreement, a fixed 
             recurring amount or a variable amount from your designated checking account. 
           ?  Obtain Information.  Obtain information (payee information, payment status information, etc.) about your bill payment 
             account status. 
           ?  Bill Pay Payment Transactions.  You authorize us to process bill payments from your designated account.  You may use 
             the Bill Pay service to initiate different types of payment transactions. 
            a. Payment Transactions. You may use Bill Pay to initiate single or recurring bill payment transactions. Single payments are 
       payments initiated today with today's transfer date. Payments can be canceled or changed through Bill Pay until payments begin 
       processing from the account. Recurring payments are payments that reoccur on a preset date with a fixed amount. You have the 
       option in Bill Pay to set recurring payments to continue indefinitely or to stop on a specific date. Payments can be canceled or 
       changed through Bill Pay until funds are withdrawn from the account.  
            b. Number and Authorized Payees. There is no limit on the number of payments or payees you may authorize. You may not 
       make payments to federal, state or local governments or other categories of payees we designate from time to time. When you 
       submit a Bill Pay transaction, you authorize us to transfer funds from your checking account. W e will process Bill Pay transactions 
       only to those payees the Credit Union has designated, payees you authorize and payees for whom the Credit Union has the proper 
       payee member number. The Credit Union will not process any Bill Pay transfer if we know the required transaction information is 
       incomplete. In any event, the Credit Union will not be liable for any transaction that contains incorrect information that th e Credit 
       Union was not responsible for entering or knowing. If there are insufficient funds in your account to process the Bill Pay transaction, 
       we may refuse to process the transaction or we may process the transaction and transfer funds from any overdraft protection account 
       you have authorized. The Credit Union reserves the right to refuse to process transactions that reasonably appear to the Credit Union 
       to be fraudulent or erroneous.  
     2.    Processing Bill Pay Transactions 
     The amount of your requested bill payment will be deducted from your account on the Scheduled Payment Date. You must have 
     sufficient funds available to cover your payment on the Scheduled Payment Date. It is your responsibility to schedule your Bill Pay 
     transactions in such a manner that your obligations will be paid on time. You should enter and submit your Bill Pay transactions at least 
     ten (10) business days prior to the payment due date. If you do not allow sufficient time, you assume full responsibility for any late 
     payments and/or finance charges that may be imposed as a result of your failure to submit a timely Bill Pay transaction. You will be 
     notified if a payment fails, and the bill payment service will automatically attempt to retry the payment on the next busines s day.  If the 
     payment is successful on the next day, you will not be notified again. If the payment fails on the retry, you will be notified a second time. 
     The Credit Union will not process any Bill Pay transfer if we know the required transaction information is incomplete.  In any event, the 
     Credit Union will not be liable for any transaction that contains incorrect information that the Credit Union was not responsible for 
     providing or entering.  If there are insufficient funds in your account to make the Bill Pay request, the payment will not be processed.  
     The Credit Union reserves the right to refuse to process payment instructions that reasonably appears to the Credit Union to be 
     fraudulent or erroneous.  
     3.    Canceling or Changing Bill Pay Transactions 
     Payments designated as single transactions cannot be stopped, canceled or changed once payments begin processing from the 
     account. You may cancel recurring Bill Pay transactions by following the Bill Pay instructions. If you discover an error or want to change 
     a transaction (i.e. payment date or payment amount) for a Bill Pay transaction you have already submitted, you m ay electronically edit 
     or cancel your transaction through Bill Pay. Your cancellation or change request must be submitted through Bill Pay before the payment 
     is withdrawn from the account. If your transaction is not canceled in a timely manner, you will be responsible for the payment. If you 
     wish to place a verbal stop payment on a recurring Bill Pay transaction, the Credit Union must receive your verbal stop payment request 
     at least three (3) business days before the Scheduled Payment Date. You may call the Credit Union to request a stop payment. If you 
     call the Credit Union, you may be required to confirm your stop payment request in writing within 14 days after the call.  
     III.  Mobile Banking Services 
     Mobile Banking is a personal financial information management service that allows you to access account information and conduct 
     transactions using compatible and supported mobile phones and/or other compatible and supported wireless devices (including 
     phones, "Wireless Devices").  We reserve the right to modify the scope of the Mobile Banking services at any time.  We reserve the 
     right to refuse to make any transaction you request through Mobile Banking.  You agree and understand that Mobile Banking may not 
     be accessible or may have limited utility over some mobile telephone networks, such as while roaming.   
      
     � 2018 Farleigh Wada Witt            12                                May 2018  
     1.    Mobile Banking Transactions. At the present time, you may use Mobile Banking to:  
           ?   Transfer funds between your savings, checking, Money Market and Club accounts  
           ?   Review eStatements 
           ?   Withdraw funds from your savings, checking, Money Market and Club accounts 
           ?   Transfer funds to accounts of other members and persons using the eTransfer service 
           ?   Access your  line of credit account up to the credit limit 
           ?   Make loan payments from your savings, checking, Money Market and Club accounts 
           ?   Obtain account balance and  transaction history on your savings, checking, Money Market and Club accounts 
           ?  Obtain information on your loan account balance, transaction history, payment due dates, loan payoff amounts and 
             finance charges.   
           ?  Make bill payments from your checking account using the Mobile Bill Pay service. 
           ?  Make Mobile deposit transactions. 
                 
     When you register for Mobile Banking, designated accounts and payees (or billers) linked to your account through Online Banki ng will 
     be accessible through the Mobile Banking service. 
      
            a. Use of Services.  Mobile Banking will not work unless you use it properly.  You accept responsibility for making sure that 
       you understand how to use Mobile Banking before you actually do so.   You also accept responsibility for making sure that you know 
       how to properly use your wireless device and the Mobile Banking software ("Software") required to use the Service. The Softwa re is 
       provided by a service provider not affiliated with the Credit Union and you are solely responsible for entering a license agreement to 
       use the software. We will not be liable to you for any losses caused by your failure to properly use the Mobile Banking servi ce, the 
       Software or your wireless device. You may experience technical or other difficulties related to Mobile Banking that may result in loss 
       of data, personalization settings or other Mobile Banking interruptions. We assume no responsibility for the timeliness, dele tion, 
       misdelivery or failure to store any user data, communications or personalization settings in connection with your use of the Mobile 
       Banking service. We assume no responsibility for the operation, security, or functionality of any wireless device or mobile network 
       which you utilize to access the Mobile Banking service. Financial information shown on the Mobile Banking service reflects the most 
       recent account information available through the Mobile Banking service. You agree that we will not be liable for any delays in the 
       content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly. 
            b. Access to Accounts.  By enrolling in the Mobile Banking service, you certify you are an owner, joint owner or custodian on 
       the accounts represented in your enrollment. You understand that all owners of your accounts or anyone with whom you share your 
       Access code or any access code will be an Authorized User, and that authority will be considered unlimited in amount and mann er 
       with full authority to perform all transactions relating to the stated accounts, until you notify the Credit Union, in writing of the 
       revocation of such authority. You agree that you are and will remain fully responsible for any transactions made by such pers ons on 
       your accounts except transactions that occur after the Credit Union has been notified of any revocation of authority and has had a 
       reasonable opportunity to act upon such notice. 
            c. Relationship to Other Agreements.  You agree that when you use Mobile Banking, you will remain subject to the terms 
       and conditions of all your existing agreements with us or any service providers of yours; including service carrier or provider and that 
       this Agreement does not amend or supersede any of those agreements.  You understand that those agreements may provide for 
       fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier or p rovider 
       may impose data usage or text message charges for your use of or interaction with Mobile Banking, including while downloadi ng the 
       Software, receiving or sending Mobile Banking text messages, or other use of your Wireless device when using the Software or other 
       products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitatio ns and 
       restrictions.  You agree that only your mobile service carrier or provider is responsible for its products and services.  Acc ordingly, you 
       agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us.  You also agree 
       that if you have any problems with Mobile Banking, you will contact us directly. 
     2.    Mobile Banking Service Limitations and Conditions.  When you use the Mobile Banking service to access accounts, you agree 
     to the following limitations and conditions: 
         a.  Account Ownership/Accurate Information.  You represent that you are the legal owner of the accounts and other financial 
       information which may be accessed via Mobile Banking.  You represent and agree that all information you provide to us in connection 
       with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose 
       of operating the Mobile Banking service. You agree to not misrepresent your identity or your account informa tion.  You agree to keep 
       your account information up to date and accurate. 
         b.  Proprietary Rights.  You may not copy, reproduce, distribute, or create derivative works from this content.  Further, you 
       agree not to reverse engineer or reverse compile any Mobile Banking technology, including, but not limited to, any Software or other 
       mobile phone applications associated with the Mobile Banking service.  
         c.  User Conduct.  You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any 
       way that would: (a) infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity 
       or privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not 
       limited to, use of Mobile Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation 
       (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false 
       advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose 
      
     � 2018 Farleigh Wada Witt            13                                May 2018  
       (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully 
       harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected 
       to Mobile Banking; (i) interfere with or disrupt the use of Mobile Banking by any other user; or (j) use Mobile Banking in such a 
       manner as to gain unauthorized entry or access to the computer systems of others.  
         d.  No Commercial Use or Resale.  You agree that the Mobile Banking services are for personal use only.  You agree not to 
       resell or make commercial use of Mobile Banking.   
         e.  Indemnification.   Unless  caused  by  our  intentional  misconduct  or  gross  negligence,  you  agree  to  protect  and  fully 
       compensate us and service providers from any and all third party claims, liability, damages, expenses and costs (including, but not 
       limited to, reasonable  attorney�s fees) caused by or arising from your improper use of the Mobile Banking software or your 
       infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.  
         f.  Additional Service Limitations.  Neither we nor our service providers can always foresee or anticipate technical or other 
       difficulties related to Mobile Banking.  These difficulties may result in loss of data, personalization settings or other Mobile Banking 
       interruptions.  Neither we nor any of our service providers assume responsibility for the timeliness, deletion, misdelivery o r failure to 
       store any user data, communications or personalization settings in connection with your use of Mobile Banking.  Neither we nor any 
       of our service providers assume responsibility for the operation, security, functionality or availability of any Wireless device or mobile 
       network which you utilize to access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on 
       your Wireless device and to use good judgment and discretion when obtaining or transmitting information. Financial informatio n 
       shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current.  
       You agree that neither we nor our service providers will be liable for any delays in the content, or for any actions you take in reliance 
       thereon. If you need current account information you agree to contact us directly. 
     IV.  Electronic Transfer Services. 
     1.    External Transfer Services 
     By enrolling in external transfer services you agree to the following service terms and conditions. By using compatible and s upported 
     devices, the Service allows you to electronically transfer funds from your account with us to your account at another financial institution, 
     or from your account with us to other individuals� accounts.  You must have Online Banking to use the Service.  The Service i s only 
     available for accounts at U.S. financial institutions and funds are transferred in U.S. dollars. We reserve the right to modify the scope of 
     external transfer services at any time.  We reserve the right to refuse to make any transaction you request through the Service. You 
     agree and understand the Service may not be accessible or may have limited utility over some mobile telephone networks, such as 
     while roaming.    
     2.    Definitions 
     "ACH Network" means the funds transfer system, governed by the NACHA Rules that provides funds transfer services to participating 
     financial institutions. 
     "Transaction Account" is a transaction account (checking, money market or other direct deposit account, credit card account, or debit 
     card account, including any required routing information) from which your payments as a Sender will be debited, any Service fees will 
     be automatically debited, or to which payments and credits to you will be credited.  
     "Transfer Instruction" is the information provided by the Sender to the Service for a transfer or payment to be made to a Receiver 
     (name, mobile telephone number, email address, and financial institution account and routing number information, etc.).  
     "Receiver" is a person or business entity that is sent a payment transaction through the Service. 
     "Sender" is a person or business entity that sends a payment transaction through the Service. 
     3.    Person-to-Person External Transfer Services 
     The Person-to-Person External Transfer  Service enables you use the Credit Union online banking service: (1) to initiate a payment 
     transaction from a Transaction Account to an account at a U.S. financial institution; and/or (2) to receive a payment transaction from 
     another person into an Transaction Account, in U.S. dollars. Although the ACH Network is often used to execute Person-to-Person 
     Service  payment  transactions,  other  Payment  Networks  may  be  used  to  facilitate  the  execution  and  transmission  of  payment 
     transactions. All payment transactions must be made through the Credit Union online banking service and are subject to the terms of 
     this Agreement. Receipt of payment transactions may be made through the Credit Union online banking service subject to the te rms of 
     this Agreement.  
         a.  Initiation of Payment Transactions. You may initiate (a) a one-time payment transaction to a Receiver for which processing 
       shall be initiated immediately, (b) a one-time payment transaction to a Receiver for which processing shall be initiated at a later 
       specified date up to one (1) year, and (c) a recurring series of payment transactions to a Receiver for which processing shall be 
       initiated on the specified dates. Payment transactions initiated to Receiver�s are processed in two ways. You can provide all the 
       required information about the Receiver, including his/her Transaction Account, necessary to complete an ACH Network transfer of 
      
     � 2018 Farleigh Wada Witt            14                                May 2018  
       funds. Alternatively, you can provide contact information about the Receiver (including an email address or mobile telephone number) 
       and the Person-to-Person Service may contact the Receiver and request that the Receiver (1) provide information so that we may 
       validate the identity of the Receiver, and then (2) provide Transaction Account information in order to complete the payment 
       transaction. 
     You understand and agree that when you initiate a payment transaction from a Transaction Account using the Person-to-Person 
     Service, the processing of the payment transaction will begin and the debiting of your Transaction Account will occur as earl y as the 
     day of such initiation. However, the payment funds will be transferred into the Receiver's Transaction Account no earlier than the next 
     Business Day after you initiated the payment transaction. If you request a one-time payment transaction to be initiated on a specified 
     date or a recurring series of payment transactions to be initiated on specified dates, then the processing of the payment transaction will 
     begin on the specified date and the debiting of your Transaction Account will occur as early as the specified date(s).  
      
         b.  Payment Authorization and Payment Remittance.  By providing us with names and telephone numbers, email addresses, 
       and/or account information of Receivers to whom you wish to direct payments, you authorize us to follow the Transfer Instruct ions 
       that we receive through the Person-to-Person Service. When we receive a Transfer Instruction from you, you authorize us to debit 
       your Transaction Account and remit funds on your behalf. You also authorize us to credit your Transaction Account for the rec eipt of 
       payments, including but not limited to those payments returned to us from Receivers to whom you sent payment(s) or cancelled and 
       returned to you because the processing of the payment transaction could not be completed. It is the responsibility of the Sen der and 
       the Receiver to ensure the accuracy of any information or Transfer Instructions (including but not limited to the Transfer Instructions 
       and name, telephone number and/or email address that the Sender enters for the Receiver to whom you are sending the payment 
       transaction), and for informing us as soon as possible if they become aware that this information is inaccurate.   
         c.  Receiving Payments. If another person wants to send you a payment transaction using the Person-to-Person Service to a 
       Transaction Account you hold with us, he or she can do that from a Transaction Account at a financial institution that participates in 
       the Person-to-Person Service. You understand and agree that there may be a delay between the time you are notified of the pending 
       payment transaction and the deposit of the payment funds into your Transaction Account, and you may be required to take additional 
       steps to facilitate the deposit of the payment of funds into your Transaction Account.  
         d.  Payment Methods and Amounts. We impose limits on the amount of funds you can send or receive. These limits may be 
       adjusted from time-to-time at our sole discretion. You may log in to the site to view your individual transaction limits.  We also reserve 
       the right to select the method in which to remit funds on your behalf, and the method to return funds to you in the event that your 
       Transaction Account is closed or otherwise unavailable to us. These payment methods may include, but may not be limited to, a n 
       electronic or paper check payment. 
         e.  Receipts and Transaction History. You may view your transaction history by logging into the online banking service and 
       viewing your transaction history. 
         f.  Calls to You. By providing us with a telephone number (including a mobile telephone number), you consent to receiving 
       autodialed and prerecorded message calls from us at that number for non-marketing purposes. 
         g.  Prohibited Payments. The following types of payments are prohibited and we have the right but not the obligation to monitor 
       for, block and/or reverse such payments:  
             ?  Payments to or from persons or entities located in prohibited territories;  
             ?  Payments that violate any law;  
             ?  Payments or donations to an unauthorized charity or non-profit organization 
             ?  Payments that violate any terms in this Agreement; and  
             ?  Payments related to tax or court ordered obligations, gambling, any unlawful activity, or any objectionable purpose as 
                we reasonably determine.  
     In no event shall we be obligated to research or resolve or be liable for any claims or damages resulting from your schedulin g of 
     prohibited payments.   
     4.    Account-to-Account Transfer Service 
     The Account-to Account Service enables you to transfer funds: (i) between your Accounts that you maintain with us; and (ii) between 
     your Account(s) that you maintain with us and your Account(s) that are maintained by other financial institutions. 
         a.  Transfer Authorization and Processing. You represent and warrant that you are the sole owner (and not a joint tenant) of the 
       Transaction Account and the Recipient Account and that you have all necessary legal right, power and authority to transfer funds 
       from the Transaction Account to the Recipient Account. Further, you represent and warrant that the Recipient Account is located in 
       the United States.  When we receive a Transfer Instruction from you, you authorize us to debit your Transaction Account and remit 
       funds on your behalf to the Recipient Account designated by you and to debit one of your Accounts. You also authorize us to r everse 
       a transfer from your Recipient Account if the debit is returned from the Transaction Account for any reason, including but not limited 
       to nonsufficient funds.   
      
     � 2018 Farleigh Wada Witt            15                                May 2018  
         b.  Transfer Methods and Amounts. We may, at our sole discretion, impose limits on the amount of money you can transfer 
       through our Account-To-Account Service. We also reserve the right to select the method in which to transfer funds on your behalf, 
       and the method to return funds to you in the event that the Recipient Account is closed or otherwise unavailable to us.  
         c.  Transfer Cancellation Requests and Refused Transfers. You may cancel a transfer at any time until it begins processing. 
       We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied 
       transfer to your Transaction Account. If this is unsuccessful (for example, the Transaction Account has been closed) we will make 
       reasonable attempts to mail you a paper check. If after ninety (90) days (or longer, depending on our then -current standard for 
       unclaimed checks) that check has not been cashed, we will stop payment on it and transfer funds to an "unclaimed funds" account, 
       and will subsequently handle the unclaimed funds as required or otherwise permitted by applicable law.  
         d.  Stop Payment Requests. If you as a Sender desire to stop any transfer that has already been processed, you must contact  
       us. Although we will make a reasonable effort to accommodate your request, we will have no liability for failing to do so. We may also 
       require you to present your request in writing within fourteen (14) days. The charge for each request will be the cu rrent charge for 
       such service as set out in the applicable fee schedule.  
         e.  Failed or Returned Transfers. In using the Account-To-Account Service, you are requesting us to make transfers for you 
       from your Transaction Account. If we are unable to complete the transfer for any reason associated with your Transaction Account 
       (for example, there are insufficient funds in your Transaction Account to cover the transaction), the transfer may not be com pleted. In 
       some instances, you will receive a return notice from us. In each such case, you agree that: (a) You will reimburse us immediately 
       upon demand the transfer amount that has been returned to us; (b) For any amount not reimbursed to us within fifteen (15) days of 
       the initial notification, a late charge equal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is 
       lower, for any unpaid amounts may be imposed; (c) You may be assessed a fee by us if the transfer is returned because you hav e 
       insufficient funds in your Transaction Account to cover the requested transfer or if we cannot otherwise collect the funds from you; the 
       fee amount will be as set forth in your fee schedule from us or your Account agreement with us. You hereby authorize us to deduct 
       these amounts from your designated Transaction Account by ACH debit; (d) You will reimburse us for any fees or costs we or they 
       incur in attempting to collect the amount of the return from you; and, (e) We are authorized to report the facts concerning the return to 
       any credit reporting agency. 
         f.  Refused Transfers. We reserve the right to refuse any transfer to a Recipient Account. We will notify you promptly if we 
       decide to refuse to transfer funds to a Recipient Account. This notification is not required if you attempt to make a prohibi ted transfer 
       under this Agreement.  
         g.  Returned Transfers. In using the Account-To-Account Service, you understand transfers may be returned for various 
       reasons such as, but not limited to: Recipient Account number is not valid. We will use reasonable efforts to research and correct the 
       transfer to the intended Recipient Account or void the transfer and credit your Transaction Account. You may receive notification from 
       us. 
         h.  Your Responsibilities for Accurate Information. Your enrollment in the Service may not be fulfilled if we cannot verify your 
       identity or other necessary information. Through your enrollment in the Service, you agree that we reserve the right to reque st a 
       review of your credit rating at our own expense through an authorized bureau.  It is your responsibility to ensure the accuracy of any 
       information that you enter into the Service, and for informing us as soon as possible if you become aware that this informati on is 
       inaccurate. We will make a reasonable effort to stop or recover a transfer made to the wrong Recipient Account once informed, but 
       we do not guarantee such recovery and will bear no responsibility or liability for damages resulting from incorrect informati on entered 
       by you. 
     5.    ATM Transactions 
     You may use your ATM card (Card) and Personal Identification Number (PIN) in automated teller machines of the Credit Union; Cirrus, 
     Plus, STAR/MAC, Pulse, Discover, Visa, American Express and Co-op Networks; and such other machines we may designate. At the 
     present time, you may use your card to make the following transactions on your accounts:  
           ?  Withdraw cash from your savings, or checking accounts.  
           ?  Transfer funds between your savings, checking accounts or loan accounts.  
           ?  Obtain account balance information on savings and checking accounts. 
           ?  Make loan payments from savings or checking accounts.  
           ?  Make deposits to your savings or checking accounts at Credit Union ATMs and selected Co-op Network ATMs.  
     There is no limit to the number of withdrawals you may make at Credit Union ATMs and nonproprietary ATMs. However, you may be 
     charged a fee as set forth in the Rate and Fee Schedule. You may withdraw up to $500 (if there are sufficient funds available in your 
     account) per business day at any authorized ATM, subject to security requirements and  limits placed by each individual ATM. You may 
     transfer between your share, savings or checking accounts up to the balance in your accounts at the time of the transfer at a vailable 
     locations. 
      
     6.    VISA Debit Card 
      
     � 2018 Farleigh Wada Witt            16                                May 2018  
     You may use your VISA Debit Card to purchase goods and services any place your Card is honored by participating merchants, 
     including Point of Sale (POS) terminals within the Cirrus, Plus, STAR/MAC, Pulse, Discover, Visa, American Express and Co-op 
     Networks (with PIN) and Cirrus, Plus, Visa, NYCE, Exchange and Accel networks (without PIN) or such other POS terminals as the 
     Credit Union may designate.  Funds to cover your Card purchases will be deducted from your checking account.  If the balance in your 
     account is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to 
     the Overdraft Service or may terminate all services under the Agreement. At the present time, you may use your Debit card to make the 
     following transactions on your accounts:  
           ?  Withdraw cash from your savings, or checking accounts.  
           ?  Transfer funds between your savings, checking accounts or loan accounts.  
           ?  Obtain account balance information on savings and checking accounts. 
           ?  Make loan payments from savings or checking accounts.  
           ?  Make deposits to your savings or checking accounts at Credit Union ATMs and selected Co-op Network ATMs.  
     There is no limit on the number of POS purchase transactions you may make by Card during a statement period.  You make purcha se 
     amounts up to a maximum of $4000 per day. You may withdraw up to $500 (if there are sufficient funds available in your account) per 
     day at any authorized ATM, subject to security requirements and  limits placed by each individual ATM. The Credit Union reserves the 
     right to refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise 
     require us to increase our required reserve on the account.  The Credit Union may set security requirements and other limits on the 
     amount of any transaction, and you will be notified of those limits.  The Credit Union may refuse to honor any transaction for which you 
     do not have sufficient available verified funds. 
     7.    Preauthorized Electronic Funds Transfers and Direct Deposit 
     Preauthorized electronic funds transfers may be made into or from your Credit Union accounts.  These may include preauthorized 
     electronic funds transfers made to an account from a third party (such as Social Security or your employer) or from an account to a third 
     party (such as a mortgage company or insurance premium payment, excluding bill payment transactions).  If electronic funds transfers 
     are made into or from your account, those payments may be affected by a change in your account status or if you transfer or l ose your 
     account.  Upon instruction of (i) your employer, (ii) the Treasury Department, or (iii) other financial institutions, the Credit Union will 
     accept direct deposits of your paycheck or of federal recurring payments, such as Social Security. 
     8.    Security of Access Code (Password) 
     The access code is your Password you select for your security. Your Password is confidential and should not be disclosed to third 
     parties or recorded. You are responsible for safekeeping your Password. You agree not to disclose or otherwise make you r Password 
     or Wireless Device for Mobile Banking available to anyone not authorized by you to sign on your accounts. If you authorize an yone to 
     have or use your Password or Wireless Device, you understand that person may use the Online Banking, Bill Pay or Mobile Banking 
     service to access and review all of your account information and execute account transactions. Therefore, we are entitled to act on 
     transaction instructions received using your Password and you agree that the use of your Password will have the same effect as your 
     signature authorizing transactions. If you authorize anyone to use your Password in any manner that authority will be considered 
     unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your Password 
     immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access b y that 
     person are no longer authorized and your Password is changed. If you fail to change your Password or maintain the security of your 
     Password and the Credit Union suffers a loss, we may terminate your electronic services immediately.  
     9.    Member Liability 
     You are solely responsible for all transfers you authorize using any Services under this Agreement.  If you permit other persons to use 
     your Password or access code and initiate transactions with this Service, you are responsible for any transactions they authorize or 
     conduct on any of your Accounts. For EFT transactions on a consumer deposit account, under this Agreement, you are responsible for 
     all transactions you authorize using Online Banking, Bill Pay,  External Transfer services. For consumer Accounts, transactions by 
     family members or friends that you allow on your Account are authorized by you. If you permit other persons to use your Password, you 
     are responsible for any transactions they authorize or conduct on any of your accounts. However, you must notify us immediate ly if you 
     believe anyone has used your Password and accessed your accounts without your authorization. For EFT transactions, if you notify us 
     within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not 
     notify us within two (2) business days after you learn of the unauthorized use of your account or Password, and we can prove that we 
     could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. 
     If your statement shows EFT transactions that you did not make, notify us immediately. If you do not notify us within sixty (60) days 
     after the statement was mailed or electronically delivered to you, you may be liable for the full amount of the loss if we ca n prove that 
     we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you 
     from notifying us, we may extend the time period.  
      
     If you believe your Password has been lost or stolen or that someone has transferred or may transfer funds from your account without 
     your permission, contact us immediately by one of the following:  
      
     Telephone:  360.425.2130 or 800.562.5611 
      
     � 2018 Farleigh Wada Witt            17                                May 2018  
     In person at one of the Red Canoe Credit Union branches. 
     Mail:  Red Canoe Credit Union, PO Box 3020, Longview, WA.98632-7538 
      
     10.   Business Days. Our business days are Monday through Friday and Saturday, excluding federal holidays.  
     11.   Fees and Charges. The fees and charges for the electronic services can be found on our current rate and fee schedule. Fees and 
     charges may be changed from time to time. We will notify you of any changes as required by law.  
            
     12.   Transaction & Account Information 
         a.  Statement Information. Transactions submitted through Online or Mobile Banking, Bill Pay or external transfer services will 
       be recorded on your monthly statement sent to you by mail or eStatements if you have requested eStatements.  
         b.  Direct Deposits.  If you have arranged to have a direct deposit made to your account at least once every 60 days from the 
       same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by 
       contacting the Credit Union as set forth above. 
         c.  Account Information Disclosure. We will maintain the confidentiality and privacy of your account information in accordance 
       with our Privacy Policy as stated on our website at www.redcanoecu.com.   However, we may disclose information to third parties 
       about your account or the transactions you submit in the following limited circumstances:  
           ?  As necessary to complete transfers; 
           ?  To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit 
             bureau or merchant;  
           ?  To comply with government agencies or court orders; 
           ?  If you give us your express written permission.  
     13.   Preauthorized Electronic Fund Transfers 
         a.  Cancellation Rights.  If you have authorized the Credit Union to originate regular electronic fund transfers from (or to) your 
       account at the Credit Union, you or the Credit Union may cancel that request at any time up to three business days before the 
       scheduled date of the transfer.  This request may be made orally or in writing.  If you order us to cancel one of these payments three 
       business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages only if 
       accurate information was provided to us. 
         b.  Notice of Varying Amount. If these regular payments may vary in amount, the company you are going to pay will tell you ten 
       (10) days before each payment when it will be made and how much it will be. 
         c.  Liability.  The Credit Union may charge a fee for each stop payment order requested, as set forth in the Rate and Fee 
       Schedule.  If payment of an item is stopped, you may remain liable to any person, including the Credit Union, who is the holder of the 
       item despite the stop payment order.  You agree to indemnify and hold the Credit Union harmless from all costs, including attorney 
       fees, damages or claims related to the Credit Union's action in refusing payment of an item, including claims of any multiple party 
       account owner, payee, or endorsee in failing to stop payment of an item as a result of incorrect information provided by you. 
     14.   Credit Union Liability for Electronic Services 
     If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we 
     will be liable for your losses or damages. Our sole responsibility for an error in a transaction will be to correct the error and in no case 
     will we be liable for any indirect, special, incidental, or consequential damages. In states that do not allow the exclusion or limit ation of 
     such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following:  
           ?  If, through no fault of ours, you do not have sufficient funds in your account to complete the transaction, your account is 
             inactive, or the transaction would exceed the credit limit on your line of credit, if applicable.  
           ?  If you used the wrong account or Password, you have not properly followed any applicable service or Credit Union user 
             instructions for making Online or Mobile  Banking, Bill Pay, or external transactions.  
           ?  If your personal computer malfunctioned or the phone lines were not working properly, or the Credit Union computer 
             system was not working properly and such problem(s) should have been apparent when you attempted your transaction.  
           ?  If circumstances beyond our control (such as fire, flood, telecommunication outages or strikes, equipment or power 
             failure) prevent making the transaction.  
           ?  If the funds in your account are subject to an administrative hold, legal process or other claim.  
           ?  If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process the 
             transaction.  
           ?  If, through no fault of ours, a Bill Pay, Online or Mobile Banking or funds transfer transaction does not reach a particular 
             payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was 
      
     � 2018 Farleigh Wada Witt            18                                May 2018  
             insufficient; payment is lost in the mail or the payee failed to process a payment correctly or in a timely manner and a fee, 
             penalty, or interest charge is assessed against you.  
           ?  If an error was caused by a system beyond the Credit Union's control such as a telecommunications system, an Internet 
             Service Provider, any computer virus or problems related to software not provided by the Credit Union.  
           ?  If there are other exceptions as established by the Credit Union. 
     15.   Termination of Electronic Services 
     You agree that we may terminate this Agreement and your Online Banking, Bill Pay, or external transfer services, if you, or a ny 
     authorized user of EFT services or Password breach this or any other agreement with us; or if we have reason to believe that there has 
     been an unauthorized use of your accounts or Password. In addition, we reserve the right to terminate the service if you fail to use the 
     service for more than two consecutive billing cycles. You or any other party to your account can terminate this Agreement by notifying 
     us in writing. Termination of service will be effective the first business day following receipt of your written notice. However, monthly 
     fees will apply for any partial month with no prorating. Termination of this Agreement will not affect the rights and responsibilities of the 
     parties under this Agreement for transactions initiated before termination.  
     16.   Statement Errors on Consumer Accounts 
     In case of errors or questions about your EFT transactions, contact us at the phone number or address set forth above as soon as 
     possible. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.  
           ?   Tell us your name and member number.  
           ?   Describe the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you 
             need more information.  
           ?   Tell us the dollar amount of the suspected error.  
     If you tell us verbally, we may require that you send us your complaint or question in writing within ten (10) business days. 
     We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the e rror promptly. 
     For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you 
     the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty -five (45) 
     calendar days to investigate your complaint or question, (ninety (90) calendar days for new account transaction errors, or errors 
     involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business 
     days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our 
     investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business d ays, we may 
     not re-credit your account.  
      
     If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within thr ee 
     (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent 
     possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.  
      
     V.  Mobile Deposit Services. 
     1.    Operation of Service 
         a.  Mobile Deposit Capture Process. If we approve the Mobile Deposit service for you, you must use your Password with your 
       Login to access your accounts. You may photograph an image of checks with your mobile device creating an electronic image and 
       you may transmit the electronic image that the Credit Union will deposit to your account. The Credit Union may, in its discretion, 
       convert items meeting the Credit Union's required standards into substitute checks to facilitate the deposit and collection o f such 
       items. You agree that the manner in which checks are cleared or presented for payment shall be determined by Credit Union, in its 
       sole discretion. We reserve the right to select the clearing agents through which we clear checks. 
         b.  Funds Availability. Funds from items deposited through the Service will be available in accordance with the Credit Union�s 
       Funds Availability Policy disclosure, as amended from time to time, which is incorporated herein by reference. You agree that the 
       imaging and transmitting of checks alone does not constitute receipt by Credit Union. Also, acknowledgment of receipt or delivery 
       does not constitute an acknowledgment by Credit Union that the transmission of a check or items does not contain errors or that 
       funds will be available.  Checks deposited though Mobile Deposit are not received by the Credit Union until we have ackno wledged 
       receipt and provided credit to your account. 
         c.  Deposit Limitations.  You may use Mobile Deposit to deposit no more than a total of $10, 000 per day.  
         d.  Deposit Acceptance. You agree that Credit Union may at any time, in its sole discretion, refuse to accept deposits of checks 
       from you via Mobile Deposit session. In the event that the Service is interrupted or are otherwise unavailable, you may deposit 
       checks in-person at a Credit Union branch or via night drop or mail or other contractually acceptable method. 
     2.    Member Account. 
      
     � 2018 Farleigh Wada Witt            19                                May 2018  
         a.  Member Account. You must designate a Credit Union savings or checking as the settlement account to be used for the 
       purposes of settling, transactions requested in connection with the Service. We will provide you with details of each  specific 
       transaction. You will be responsible for reviewing and balancing of any settlement account. 
         b.  Responsibility for Imaging. You are solely responsible for imaging deposit items, accessing the service from the Credit 
       Union and for maintaining your imaging equipment. You will be responsible for the payment of all telecommunications expenses 
       associated with the service. Credit Union shall not be responsible for providing or servicing any Equipment for you. 
         c.  Deposit Requirements. You agree that you will only use the Service to deposit checks drawn on financial institutions within 
       the United States, excluding its territories. For checks not falling within this requirement you must deposit those checks in person, 
       using a night drop facility or by U.S. Mail. You agree that each check you deposit through the Service will meet the image quality 
       standards that we specify in online instructions or in this Agreement. 
         d.  Check Retention & Destruction. You agree that all checks belong to you and not to the Credit Union and that those items 
       shall be handled in accordance with this Agreement and your Membership and Account Agreement. After our receipt of a deposit 
       transmission we will acknowledge by electronic means our receipt of such transmission. Your electronic transmission is subject to 
       proof and verification. You will retain the original of all imaged checks that have been deposited via Mobile Deposit for a r easonable 
       period of time in order to verify settlement and credit or to balance periodic statements, but in no case beyond forty-five (45) days 
       from the date processed. It is your responsibility to properly destroy and dispose of such original checks after such time. D uring the 
       period that you maintain any original checks, you understand and agree that you must use a high degree of care to protect these 
       original checks against security risks.  These risks include, without limitation, (i) theft or reproduction of the original checks (including 
       by employees) for purposes of presentment for deposit of these original checks (i.e., after the original checks have already been 
       presented for deposit via the Service), and (ii) unauthorized use of information derived from the original checks.  When you dispose 
       of any original checks, you understand and agree that you must use a high degree of care when selecting and implementing disposal 
       procedures to ensure that the original checks are not accessed by unauthorized persons during the disposal process and, once 
       destroyed, the original checks are no longer readable or capable of being reconstructed. 
         e.  Deposit Prohibitions. You agree not to deposit, or attempt to deposit, or allow others, either directly or indirectly, to deposit, 
       or attempt to deposit, by any means: (i) any substitute check, the original of which has already been presented for deposit via the 
       Service, (ii) any image of a check that has already been deposited either as an original or as a substitute check, (iii) any original 
       check, the substitute check of which has already been presented for deposit via Mobile Deposit; (iv) any check made payable 
       (individually or jointly) to someone who is not an owner on your account; (v) any post-dated or stale-dated check; (vi) money orders, 
       travelers checks, or gift checks; (vii) starter checks or counter checks; and (viii) state warrants or other instruments that are not 
       checks.  In the event that you, or any third party, makes, or attempts to make, a deposit in violation of this Subsection you agree to 
       defend, indemnify, and hold Credit Union and its agents harmless from and against all liability, damage and loss arising out of any 
       claims, suits, or demands brought by third parties with respect to any such substitute check or original check.  You agree th at the 
       aggregate amount of any items which are deposited more than once will be debited from your account, and to the extent funds in 
       your account are insufficient to cover such amount, any balance shall be debited by Credit Union from any other deposit accounts 
       with Credit Union in its sole discretion. You further acknowledge that you and not the Credit Union is responsible for the processing 
       and handling of any original items which are imaged and deposited utilizing the Service and you assume all liability to the d rawer of 
       any item imaged using the service or liability arising from the Credit Union's printing of any substitute check from those images. 
         f.  Your Representations and Warranties. You represent and warrant: 
             a.  that you will comply with all federal and state laws, and rules and regulations applicable to deposit and check 
                transactions, including those of the National Automated Clearing House for ACH transactions; 
             b.  that all checks deposited through the Service are made payable to you; 
             c.  that all signatures on each check are authentic and authorized; and 
             d.  that each check has not been altered. 
     In the event you breach any of these representations or warranties, you agree to defend, indemnify and hold Credit Union and its 
     agents harmless from and against all liability, damages and loss arising out of any claims, suits or demands br ought by third parties 
     with respect to any such breach. You further authorize the Credit Union to charge your account for the amount of any such dem and, 
     claim or suit that constitutes a breach of warranty claim under the provisions of the Uniform Commercial Code. 
         g.  Financial Responsibility. You understand that you remain, solely and exclusively responsible for any and all financial risks, 
       including, without limitation, insufficient funds associated with accessing the Service.  The Credit Union shall not be liable in any 
       manner for such risk unless the Credit Union fails to follow the procedures described in materials for use of the service. You assume 
       exclusive responsibility for the consequences of any instructions you give to the Credit Union, for your failures to access the Service 
       properly in a manner prescribed by the Credit Union, and for your failure to supply accurate input information, including, wi thout 
       limitation, any information contained in an application. 
         h.  Responsibility for Endorsement.  For all mobile check deposits, you must endorse the original paper check with your name 
       and providing: �FOR RED CANOE CREDIT UNION MOBILE DEPOSIT ONLY�.  If you fail to provide this endorsement, we may 
       refuse the deposit and return it to you and you agree to indemnify the Credit Union from any liability or loss to the Credit Union arising 
       from the payment of the original check without such required endorsement. 
      
     � 2018 Farleigh Wada Witt            20                                May 2018  
         i.  Account Reconciliation. You will verify and reconcile any out-of-balance condition, and promptly notify the Credit Union of 
       any errors within the time periods established in the Membership and Account Agreement after receipt of your account statement. If 
       notified within such period, the Credit Union shall correct and resubmit all erroneous files, reports, and other data at the Credit 
       Union's then standard charges, or at no charge, if the erroneous report or other data directly resulted from the Credit Union's error. 
     3.    Credit Union's Obligations. 
         a.  Financial Data. We will review and process your electronic file through a batch processing one time per day. The Credit 
       Union agrees to transmit all the financial data under its control required to utilize the service selected by you and to act  on 
       appropriate instructions received from you in connection with such service. The Credit Union shall exercise due care in seeking both 
       to preserve the confidentiality of the member number, password, or other code or identifier and to prevent the use of the service by 
       unauthorized persons (and in this connection it is understood and agreed that implementation by the Credit Union of its normal 
       procedures for maintaining the confidentiality of information relating to its members, and where practicable the obtaining by the Credit 
       Union from any third parties engaged in the installation, maintenance and operation of the system of similar undertakings, shall 
       constitute fulfillment of its obligation to exercise due care) but shall not otherwise be under any liability or have any responsibility of 
       any kind for any loss incurred or damage suffered by you by reason or in consequence of any unauthorized person gaining access to 
       or otherwise making use of the service. You assume full responsibility for the consequences of any misuse or unauthorized use of or 
       access to the Service. 
         b.  Service Availability. You understand that Service availability is at all times conditioned upon the corresponding operation 
       and availability of the communication systems used in communicating your instructions and requests to the Credit Union. We will not 
       be liable or have any responsibility of any kind for any loss or damage thereby incurred by you in the event of any failure or 
       interruption of such communication systems or services resulting from the act or omission of any third party, or from any oth er cause 
       not reasonably within the control of the Credit Union. 
         c.  Exception Items.  When we review and process your electronic file, we may reject any electronic image that we determine to 
       be ineligible for the service ("Exception Item") including, without limitation, electronic images of items drawn on banks located outside 
       the United States, items drawn on U.S. Banks in foreign currency, electronic images that are illegible (due to poor image quality or 
       otherwise), electronic images of items previously processed, electronic images previously converted to substitute checks, and 
       electronic images with unreadable MICR information. We will notify you of any Exception Items.  You agree that if you wish to attempt 
       to deposit any Exception Item to any of your accounts with Credit Union, you will only do so by depositing the original item on which 
       the Exception Item is based.  You acknowledge and agree that even if you do not initially identify an electronic image as an Exception 
       Item, the substitute check created by the Credit Union there from may nevertheless be returned to Credit Union because, among 
       other reasons, the electronic image is deemed illegible by a paying bank.  Credit Union's failure to identify an Exception Item shall not 
       preclude or limit your obligations to Credit Union. 
         d.  Account Information. We will provide you with daily transaction history via the Internet and the Online Branch service 
       detailing items processed, return items, and deposit adjustments. 
         e.  Retention of Check Images. Credit Union will retain any images of deposited items for six (6) years. 
     4.    Disclaimer of Warranties. 
     MEMBER ACKNOWLEDGES THAT THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.  THE CREDIT 
     UNION IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS IN OR TO ANY INFORMATION RESULTING FROM YOUR 
     USE OF THE SERVICE. THE CREDIT UNION MAKES NO AND EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR 
     IMPLIED,  REGARDING  THE  SERVICE  INCLUDING  THE  WARRANTY  OF  TITLE  AND  THE  IMPLIED  WARRANTIES  OF 
     MERCHANTABILITY,  FITNESS  FOR  A  PARTICULAR  PURPOSE  AND  NONINFRINGEMENT.   WITHOUT  LIMITING  THE 
     GENERALITY OF THE FOREGOING, THE CREDIT UNION DISCLAIMS ANY WARRANTIES REGARDING THE OPERATION, 
     PERFORMANCE OR FUNCTIONALITY OF THE SERVICE (INCLUDING, WITHOUT LIMITATION, THAT THE SERVICE WILL 
     OPERATE WITHOUT INTERRUPTION OR BE ERROR  FREE).  MEMBER FURTHER ACKNOWLEDGES THAT THERE ARE 
     CERTAIN SECURITY, CORRUPTION, TRANSMISSION ERROR AND ACCESS AVAILABILITY RISKS ASSOCIATED WITH USING 
     OPEN NETWORKS SUCH AS THE INTERNET AND/OR TELECOMMUNICATION LINES OR CIRCUITS.  MEMBER HEREBY 
     ASSUMES ALL RISKS RELATING TO THE FOREGOING. Credit Union's Liabilities 
         a.  Direct  Damages.  THE  CREDIT  UNION'S  LIABILITY  SHALL  BE  LIMITED  TO  DIRECT  DAMAGES  SUSTAINED  BY 
       MEMBER  AND  ONLY  TO  THE  EXTENT  SUCH  DAMAGES  ARE  A  DIRECT  RESULT  OF  THE  CREDIT  UNION'S  GROSS 
       NEGLIGENCE OR WILLFUL MISCONDUCT; PROVIDED THAT THE MAXIMUM AGGREGATE LIABILITY OF THE CREDIT UNION 
       RESULTING FROM ANY SUCH CLAIMS SHALL NOT EXCEED ONE HUNDRED DOLLARS. IN NO EVENT SHALL THE CREDIT 
       UNION  BE  LIABLE  FOR  SPECIAL,  INCIDENTAL,  PUNITIVE  OR  CONSEQUENTIAL  LOSS  OR  DAMAGE  OF  ANY  KIND 
       INCLUDING LOST PROFITS WHETHER OR NOT THE CREDIT UNION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH 
       LOSS OR DAMAGE.  THE CREDIT UNION'S LICENSORS OR SUPPLIERS WILL NOT BE SUBJECT TO ANY LIABILITY TO 
       MEMBER IN CONNECTION WITH ANY MATTER. Your Duty to Report Errors. You will notify Credit Union of any errors, omissions, 
       or interruptions in, or delay or unavailability of, the Services as promptly as practicable, and in any event within one busi ness day 
       after the earliest of discovery thereof, or the date discovery should have occurred through the exercise of reasonable care, and, in the 
       case of any error, within fourteen (14) days of the date of the earliest notice to you which reflects the error. Your failure to notify 
      
     � 2018 Farleigh Wada Witt            21                                May 2018  
       Credit Union of any error, omission, or other discrepancy within seven (7) days from the date of a loss shall relieve Credit Union of 
       any liability for such error, omission, or discrepancy. 
         b.  Credit Union's Performance. You acknowledge and agree that Credit Union shall not be liable for any damages or loss of 
       any kind resulting from any unintentional error or omission by Credit Union in performing the Service, in accordance with or 
       unintentional  deviation  from  the  terms  and  conditions  of  this  Agreement.  You  acknowledge  that  Credit  Union's  systems  and 
       procedures established for providing the Service are commercially reasonable. 
         c.  Limitation of Liability. Credit Union shall have no liability to you, or any other person or entity for any loss, damage, cost, or 
       expense arising out of this Agreement or the Service regardless of the form in which asserted, whether in contract, tort (including 
       negligence), warranty, or any other legal or equitable grounds, and regardless of whether the remedies available fail of thei r essential 
       purpose, except as provided by applicable law for any error or delay in performing the Service provided for in this Agreement, and we 
       shall have no liability for not effecting a transaction, if: 
             a.  We receive actual notice or have reason to believe that you filed or commenced a petition or proceeding for relief 
                under any bankruptcy or similar law; 
             b.  The ownership of funds involving a transaction is in question; 
             c.  We suspect a breach of the security procedures; 
             d.  We suspect that your account has been used for illegal or fraudulent purposes; or 
             e.  We reasonably believe that a transaction is prohibited by federal law or regulation, or otherwise so provided in the 
                Agreement. 
     Credit Union will not be liable if Member fails to report timely any error or discrepancy reflected in an account statement prepared by 
     Credit Union, or if Member fails to report a breach of a security procedure.  If Credit Union fails to perform under this Agreement in 
     accordance with the standards set herein, Credit Union's liability for damages, losses, and other compensation owing to you will be 
     limited as set forth above.  
     5.    Force Majeure 
     The Credit Union shall not be responsible for liability, loss, or damage of any kind resulting from any delay in the performance of or 
     failure to perform its responsibilities hereunder due to causes beyond the Credit Union's reasonable control. 
     6.    Amendments 
     The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will notify 
     you, by mail, at least twenty-one (21) days before the effective date of any change, as required by law. Use of this service is subject to 
     existing regulations governing the Credit Union account and any future changes to those regulations. 
     7.    Enforcement 
     You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs 
     as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or 
     expense from your account without prior notice to you. If you are in breach of this Agreement or any other loan or service agreement 
     with us or we suspect fraudulent activity on your account, we may without prior notice restrict access to your accounts or suspend your 
     electronic services or access devices, including ATM or debit cards and online or mobile banking services.  Such restrictions may 
     continue until you cure any breach condition or any fraud condition is resolved.  This Agreement shall be governed by and construed 
     under the laws of the state of Washington as applied to contracts entered into solely between residents of, and to be perform ed entirely 
     in, such state. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn fun ds on accounts 
     accessed under this Agreement, the prevailing party shall be entitled to, subject to Washington law, payment by the other par ty of its 
     reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, 
     if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jur isdiction, 
     then such provision be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and 
     such modification shall not affect any other provision of this Agreement. 
      
     � 2018 Farleigh Wada Witt            22                                May 2018  
                    
     Privacy Policy 
          FACTS  WHAT DOES RED CANOE CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? 
                 Financial companies choose how they share your personal information. Federal law gives consumers 
                 the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, 
                 and protect your personal information. Please read this notice carefully to understand Red Canoe Credit 
                 Union's Privacy Policy. 
           WHY? 
                 At Red Canoe Credit Union, we respect the privacy of our members. We recognize the importance of 
                 maintaining the confidentiality of your personal financial information. This notice describes the privacy 
                 policy and practices followed by Red Canoe Credit Union. This notice explains what types of member 
                 information we collect and under what circumstances we may share it. 
                 The types of personal information we collect and share depend on the accounts or services you have 
                 with us. This information can include: 
                   ?  Name, address, Social Security Number, and income 
                   ?  Account balances and transaction history 
          WHAT? 
                   ?  Payment and overdraft history 
                   ?  Credit history and credit scores 
                 When you are no longer our member, we will not share your information except as permitted or required 
                 by law as described in this notice. 
                 All financial companies need to share members' personal information to run their everyday business. In 
                 the  section  below,  we  list  the  reasons  financial  companies  can  share  their  members'  personal 
           HOW? 
                 information; the reasons Red Canoe Credit Union chooses to share; and whether you can limit this 
                 sharing. 
                                                   DOES RED CANOE 
                      REASONS WE CAN SHARE                       CAN YOU LIMIT 
                                                     CREDIT UNION 
                    YOUR PERSONAL INFORMATION                    THIS SHARING? 
                                                       SHARE? 
          For  our  everyday  business  purposes- such  as  to  process  your 
          transactions, maintain your account(s), respond to court orders and legal  Yes  No 
          investigations, or report to credit bureaus 
          For our marketing purposes- to offer our products and services to you  No  No 
          For joint marketing with other financial companies  Yes    No 
          For  our  affiliates'  everyday  business  purposes- information  about 
                                                        No       We don't share 
          your transactions and experiences 
          For  our  affiliates'  everyday  business  purposes- information  about 
                                                        No       We don't share 
          your creditworthiness 
          For nonaffiliates to market to you            No       We don't share 
                             Call 360. 425-2130 or 800.562.5611, or write to us at: Red Canoe Credit Union, 
               QUESTIONS? 
                             P.O. Box 3020, Longview, WA 98632-7538. 
                                      WHO WE ARE 
          Who is providing this notice?  Red Canoe Credit Union 
                                      WHAT WE DO 
                               To protect your personal information from unauthorized access and use, we use 
          How does Red Canoe Credit 
                               security  measures  that  comply  with  federal  law.  These  measures  include 
          Union protect my personal 
                               computer safeguards and secured files and buildings. We also restrict access to 
          information? 
                               nonpublic personal information about you to those employees and volunteers 
      
     � 2018 Farleigh Wada Witt            23                                May 2018  
                               who need to know the information to provide products or services to you. 
                               We collect your personal information, for example, when you 
                                ?  open an account or apply for a loan 
                                ?  apply for any credit union service 
          How does Red Canoe Credit  ?  you visit our website, provide us information on any online application 
          Union collect my personal  or transaction, or information you send to us by email 
          information? 
                                ?  use your credit or debit card or pay your bills 
                                ?  make deposits to or withdrawals from your accounts 
                               We also collect your personal information from others, including credit bureaus 
                               or other companies. 
                               Federal law only gives you the right to limit information sharing as follows: 
                                ?  sharing for affiliates' everyday business purposes- information about 
                                   your creditworthiness 
          Why can't I limit all sharing?  ?  affiliates from using your information to market to you 
                                ?  sharing for nonaffiliates to market to you 
                               State laws and individual companies may give you additional rights to limit 
                               sharing. 
                                      DEFINITIONS 
                               Companies related by common ownership or control. They can be financial and 
          Affiliates           nonfinancial companies. 
                                ?  Red Canoe Credit Union has no affiliates. 
                               Companies not related by common ownership or control. They can be financial 
                               and nonfinancial companies. 
          Nonaffiliates 
                                ?  Red Canoe Credit Union does not share with nonaffiliates so they can 
                                   market to you. 
                               A formal agreement between  Red Canoe Credit Union and a nonaffiliated 
                               financial company where we jointly market financial products or services to 
          Joint Marketing 
                               you. 
                                ?  Our joint marketing partners include insurance companies. 
            
      
     � 2018 Farleigh Wada Witt            24                                May 2018  
                                A C C O U N T  S C H E D U L E  O F  F E E S
                            Membership Share  ................................................................................................. $1.00 par value
                            (Purchase and maintain 5 shares)
                            CHECKING/SAVINGS/MONEY MARKET FEES
                            Bill Payer*..................................................................................................................... Free
                            Non-Sufficient Funds (NSF) Clearing Fee** .............................................. $30.00 per item
                            Non-Sufficient Funds (NSF) Return Fee** .................................................. $30.00 per item
                            Research/Checkbook Balancing Fee ............................................................. $15.00 an hour 
                            Returned Deposited Item ..................................................................................... $15.00 per item  
                            Shared Branching/ATM/NSF Return Fee ...................................................... $15.00 per item
                            Stop Payments ........................................................................................................... $25.00 per request
                            * Bill Payer service is free with your Simply Smart checking account, provided you pay at least one bill per 
                            billing cycle. A $5.95 fee will be charged if there is no monthly activity on your account, or if you use Bill 
                            Payer with your Classic Free Checking account.
                            * *Includes Online Banking, ATM, Debit and ACH transactions and/or transfers exceeding the Federal REG D 
                            limit. (See Account Agreement for definition.)
                            LATE FEES
                            Visa .........................................................................................................................up to $35.00
                            Home Equity Line/LOC ...........................................................................................$25.00 
                                                Applied when payment exceeds 3 days.
                            Consumer Loans ......................................................................................................$25.00  
                                                Applied when payment exceeds 10 days.
                            CUDL Auto Loans ......................................................................................................5% of payment  
                                                Applied when payment exceeds 10 days.
                            Closed End Home Loans* .....................................................................................5% of payment.  
                                                Applied when payment exceeds 15 days.   
                            *For home loans closed prior to 2007, $25 fee applied when payment exceeds 20 days.
                            CARD FEES 
                            Debit Card preauthorized stop payment...................................................... $5.00 per item 
                            Debit Charge Copy.................................................................................................... $13.00 per item 
                            Alternate Mailing Address for ATM/Debit/Visa Card ............................. $10.00 per card 
                            Replacement ATM Card ......................................................................................... $3.50 per card
                            Replacement Debit/Visa Card ............................................................................ $5.00 per card 
                            Rushed ATM/Debit/Visa Card .............................................................................. $45.00 per card
                            Rushed ATM/Debit/Visa PIN ................................................................................. $45.00 per card
                             
                            OTHER SERVICE FEES
                            Canadian Check Processing ............................................................................... $20.00 first item
                                                      Additional $5.00 each
                            Check Copy .................................................................................................................. 2 Free Additional $1.00 each
                            Money Order ............................................................................................................... $2.00 per order 
                                                                                                                              Available at select branches
                            Returned Mail (Bad Address) Processing Fee ......................................... $5.00 per month
                            Skip Loan Payment.................................................................................................. $25.00 per item 
                            Statement Copy Fee................................................................................................ 3 Free Additional $2 each
                            Subpoena ...................................................................................................................... $15 per item
                                                     Additional 25� per page
                            Tax Levy/Garnishment ........................................................................................... $20.00 per item 
                            Third Party Corporate/Cashier�s Check (one free per month).............. $2.00 per item 
                            Western Union Pay by Phone ............................................................................. $10.00
                            Wire Transfer Fee (outgoing) Domestic ....................................................... $25.00 per transfer
                            Wire Transfer Fee (outgoing) International ............................................... $75.00 per transfer
                            Quick Pay ...................................................................................................................... $4.95
                            SAFE DEPOSIT BOX RENTS
                            Annual Rental*  3x5  $20.00  5x10   $55.00
                                    5x5  $30.00  10x10   $90.00
                                    3x10 $40.00
                            Drilling of Boxes ........................................... Actual cost varies between $150-250
                            Replace Lost Key.......................................... Actual cost varies between $5-30 
                            *All safe deposit boxes are 22�in length. 
                             
                             
                            05/18