ME 
MEMBERSHIP  AGREEMENT 
AND  DISC LOSURE S 
Privacy Disclosure 
Membership a nd Account A greement  
Funds A vailability P olicy D isclosure 
Electronic  Fund Transfers Agreement & Disclosure 
� CUNA Mutual Group All Rights Reserved     29267-e 
 02005663-DXPS0-1-C-071317 (DXPS01-E)
Rev. 7/17
FACTSWHAT DOES UMASSFIVE COLLEGE FEDERAL CREDIT UNION DO
WITH YOUR PERSONAL INFORMATION?
Why?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
what we do.
What?The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
Social Security number and account balances
checking account information and credit scores
payment history and transaction history
When you are no longer  our member, we continue to share your information as described in this
notice.
How?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 information; the reasons UMassFive College Federal Credit Union chooses to share; and
whether you can limit this sharing.
Reasons we can share your personal information Does UMassFive College
Federal Credit Union
share?Can you limit this sharing?
For our everyday business purposes �
such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or to report to credit bureausYes No
For our marketing purposes �
to offer our products and services to youYes No
For joint marketing with other financial companies Yes No
For our affiliates� everyday business purposes �
information about your transactions and experiencesYes No
For our affiliates� everyday business purposes �
information about your creditworthinessNo We don�t share
For our affiliates to market to you No We don�t share
For nonaffiliates to market to you No We don�t share
Questions?Call toll-free (800) 852-5886 or go to www.UMassFive.coop Page 2
What we do
How does UMassFive College
Federal Credit Union protect my
personal information?To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.
How does UMassFive College
Federal Credit Union collect my
personal information?We collect your personal information, for example, when you
open an account or use your credit or debit card
show your government-issued ID or apply for financing
make deposits or withdrawals from your account
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.
Why can�t I limit all sharing? Federal law gives you the right to limit only
sharing for affiliates� everyday business purposes � information about your
creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and
nonfinancial companies.
Our affiliates include financial companies, such as Member Advantage Mortgage.
Nonaffiliates Companies not related by common ownership or control. They can be financial and
nonfinancial companies.
UMassFive College Federal Credit Union does not share with our nonaffiliates so
they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.
Our joint marketing partners include investment companies  and insurance
companies.
Other important information  
 
� CUNA Mutual Group 1993, 95, 96, 99, 2000, 03-07, 09, 10, 13, 19  
All Rights Reserved    02005663-D1000-C-1-030921 (D1000C-E)            MEMBERSHIP AND 
 
ACCOUNT AGREEMENT 
 This Agreement covers your rights and re sponsibilities concerning your accounts and the rights and responsibilities of the Cred it Union providing this Agreement (Credit Union). In this Agreement, the words �you,� �your,� and �yours� mean anyone who signs an Account Card, Account Change Card, or any other account opening document (Account Card), or for whom me mbership and/or service requests are approved through the Cred it Union�s online application and authentication process. The words �we,� �us,� and �our� mean the Credit Union. The word �account� means any one or more share or deposit accounts you have with the Credit Union.
 
Your account type(s) and ownership features  are designated by you on your Account Card  or through the Credit Union�s online app lication and authentication process. By signing an Account Card or authenticating your request, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any Account Card, F unds Availability Policy Disclosure, Truth-in-Savings Disclosure, Electronic Fund Transfers Agreement and Disclosure, Privacy Disclosure, or Account Receipt accompanying this Agreement, the Credit Union Bylaws or Code of Regulations (Bylaws), Credit Union policies, and any amendments made to these documents from time to time that collectively govern your membership, accounts  and services.
 
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 inst itutions to obtain, verify, and record information that ide ntifies each person who opens an account. 
 
What this means for you: When you open an account, we will ask for your name, address, date of birth, if applicable, and other information that will allow us to identify you. We may also ask to see y our driver's license or other identifying documents.
 
1. MEMBERSHIP ELIGIBILITY - To join the Credit Union, you must meet the membership requirements, including purchase and maintenance of the minimum required share(s) (hereinafter membership share) and/or paying a membership fee as set forth in the Credit Union�s byla ws. You authorize us to check your account, credit and employment history, and obt ain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts, products and services you request and for other accounts, products, or services we may offer you or for which  you may qualify.
 
2. INDIVIDUAL ACCOUNTS - An individual account is an account owned by one mem ber who has qualified for credit union membership. If the account owner dies, the interest passes, subject to applicable la w, to the account owner�s estate or Payable on Death (POD) ben eficiary/payee or trust beneficiary, subject to other provisions of this Agreement governing our prot ection for honoring transfer and withdrawal reques ts of an owner or owner�s agent prior to notice of an owner�s death, any security interest  or pledge granted by the account owner, and our statutory lien  rights.
 
3. JOINT ACCOUNTS - A joint account is an account owned by two or more persons.  
 a. Rights of Survivorship. Unless otherwise stated on the Account Card or doc umented through the Credit Union�s online application and authentication process, a joint account includes rights of survivorship. This means that when one owner dies, all sums in the a ccount will pass to the surviving owner(s). For a joint account without rights of survivorship, the deceased owner�s interest passes to his or her estate. A surviving owner�s interest is subject to the Credit Union�s statutory lien for the deceased owner� s obligations and to any security interest or pledge granted by a deceased owner, even if a surviving owner did not consent to it.
 
 b. Control of Joint Accounts. Any owner is authorized and deemed to act for any other  owner(s) and may instruct us regarding transactions and other account matters. Each owner guarantees the signature or  authenticated request of any other owner(s). Any owner may wi thdraw or transfer funds, pledge to us all or any part of the shares, or stop payment on items without the consent of the other owner(s).  We have no duty to notify any owner(s) about any transaction. We reserve the right to  require written consent of all owners for any change to or t ermination of an account. If we receive written notice of a dispute between owners or inconsistent instructions from them, we may suspend or ter minate the account and require a court order or written consent from all owners in order to act.
 
 c. Joint Account Owner Liability. If an item deposited in a joint account is returned unpaid, a joint account is overdrawn, or if we do not receive final payment on a transaction, the owners, jointly and severally , are liable to us for any returned item, overdraft, or unpaid amount and for any related fees and charges, regardless of who initiated or benefited from the transaction. If any a ccount owner is indebted to us, we may enforce our rights against any account of the indebted ow ner, including all funds in the joint account, regardless of who contributed the f unds.
 
 4. POD/TRUST ACCOUNT DESIGNATIONS -  A Payable on Death (POD) account or trust account  designation is an instruction to the Credit Union that an individual or joint account so des ignated is payable to the owner(s) during hi s, her, or their lifetimes and, when the last account owner dies, is payable to all surviving POD or trust benefic iaries/payees. Unless state law provides fo r different ownership or as permitted a nd documented by us, the beneficiaries/payees will own the funds jointl y without rights of survivorship when there is more than one surviving beneficiar y/payee. Any POD or trust beneficiary/payee designation shall not apply to Individual Retirement Accounts (IRAs) . We are not obligated to notify any bene ficiary/payee of the existence of any account nor the vesting of  the beneficiary/payee�s interest in any a ccount, except as otherwise provided by la w. This paragraph does not apply to an account held on behalf of or in the name of a trust.
 
5. ACCOUNTS FOR MINORS - We may require any account established by a minor to be a joint account with an owner who has reached the age of majority under state law and who shall be jointly and severally liable to us for any returned item, overdraft, or unpaid amount  on such account and for any related fees and charges. We may pay funds directly to the minor without regard to his or  her minority. Unless a guardian or parent is an account owner, the guardian or parent shall not have any account access rights. We have no duty to inquire about the use or purpose of any transaction except as required by applicable law. We will not change the account status when the minor reaches the age of majority unless the change is authorized in writing by all account owners.
 
6. UNIFORM TRANSFERS TO MINORS ACCOUNT -  A Uniform Transfers to Minors Account (UTMA) is an individual account created by a custodian who deposits funds as an irrevocable gift to a minor. The minor to whom the gift is m ade is the beneficiary of the custodial pr operty in the account. The custodian has possession and control of the account for the excl usive right and benefit of the minor and, barring a court order  otherwise, is the only party authorized to make deposits, withdrawals, or close the account. We  have no duty to inquire about the use or purpose of any tran saction except as    02005663-D1000-C-1-030921 (D1000C-E)required by applicable law. If the custodian dies, we may suspend the account until we receive instructions from any person authorized by law to withdraw funds or a court order authorizing withdrawals.
 
7. AGENCY DESIGNATION ON AN ACCOUNT - An agency designation on an account is an instruction to us that the owner authorizes another person to make transactions as agent for th e account owner regarding the accounts desi gnated. An agent has no ownership interes t in the account(s) or credit union voting rights. We have no duty to inquire about the use or purpose of any transaction made by the agent except as required by applicable law.
 
8. DEPOSIT OF FUNDS REQUIREMENTS -  Funds may be deposited to any account, in any m anner approved by the Credit Union in accordance with the requirements set forth in the Truth-in-Savings Disclosur e. Deposits made by mail, at night depositories, or at unstaff ed facilities are not our responsibility until we receive them. We reserve th e right to refuse or to return any deposit.
 
 a. Endorsements. We may accept transfers, checks, drafts, and other items for depos it into any of your accounts if they are made payable to, or  to the order of, one or more account owners even if they ar e not endorsed by all payees. You authorize us to supply missing endorsements of any owners if we choose. If a check, draft, or item that is payable to  two or more persons is ambiguous as to whether it is payable to either or both, we may process the check, draft, or item as though it is payable to either person. If an insurance, government, or other check or draft requires an endorsement, we may require endorsement as set forth on the item . Endorsements must be made on the back of the check or draft within 1� inches of the top edge, although we may accept endorsements outside this space. However, any loss we incur from a delay or proc essing error resulting from an irregular endorsement or other markings by you or any prior endor ser will be your responsibility. If we offer a remote deposit capture service and you have been approved to use the service to make deposits to your  account, you agree that, prior to transm itting check or draft images, you will restrictively endorse each original check or draft in accordance wi th any other agreement with us that governs this service.
 
 b. Collection of Items. We act only as your agent and we are not responsible for han dling items for deposit or collection beyond the exercise of ordinary care. We are not liable for the loss of an item in transit or the negligence of any correspondent. Each correspondent will only be liable for its own negligence. We may send any item for collection. Items dr awn on an institution located outside the United States are ha ndled on a collection basis only. You waive any notic e of nonpayment, dishonor, or protest regardi ng items we purchase or receive for cred it or collection to your account. We reserve the right to pursue collection of pr eviously dishonored items at any time, including giving a payor fi nancial institution extra time beyond any midnight deadline limits.
 
 c. Restrictive Legends. Some checks and drafts contain restrictive legends or similar lim itations on the front of the item. Examples of restrictive legends include �two signatures required,� �v oid after 60 days,� and �not valid over $500.00.� We are not liable for payment of  any check or draft contrary to a restrictive legend or other limitation contained in or on the item unle ss we have specifically agreed in writing to the restriction or limitation.
 
 d. Final Payment. All checks, drafts, automated clearinghouse (ACH) transfers or other items credit ed to your account are provisional until we receive final payment. If final payment is not received, we may charge your account for the amount of such items and impose a r eturned item fee on your account. Any collection fees we incur may be charged to your account. We reserve the right to refuse or return any item  or fund transfer.
 
 e. Direct Deposits. We may offer direct deposit services, including preauthorized de posits (e.g., payroll checks, Social Security or retirement checks, or other government checks) or pr eauthorized transfers from other accounts. You must authorize direct deposits or preau thorized transfers by completing a separate authorization document. You must notify us  if you wish to cancel or change a direct deposit or preauthorized transfer. Any cancellation or change will become effective once we receive notic e from you and have a reasonable per iod of time to act on your request. If your account is overdrawn, you authorize us to  deduct the amount your account is overdrawn from any deposit, including deposits of government payments or benefits. If we are required to reimburse the U.S. Government for any benefit payment directly deposited into your account, we may deduct the amount returned from any of y our accounts, unless prohibited by law.
 
 f. Crediting of Deposits. Deposits will be credited to your account on the day we cons ider them received as stated in our Funds Availability Policy Disclosure.
 
9. ACCOUNT ACCESS  
 a. Authorized Signature. Your signature on the Account Card, or authentication and approval of your account, authorizes your account access. We will not be liable for refusing to honor any item or instru ction if we believe the signature is not genuine. If you have aut horized the use of a facsimile signature, we may honor any check or draft that appears to bear your facsimile signature, even if it was made by an unauthorized person. You authorize us to honor transactions initiat ed by a third person to whom you have giv en your account information, even if you do not authorize a particular transaction.
 
 b. Access Options. You may access your account(s) in any manner we permit includi ng, for example, in person at one of our branch offices, at an ATM or point-of-sale device, or by mail, telephone, automatic transfer, internet access or mobile application. We may return  as unpaid any check or draft drawn on a form we do not provide, and you are res ponsible for any losses, expenses or fees we incur as a result  of handling such a check or draft. We have the right to review and approve any form of  power of attorney and may restrict account withdrawals or t ransfers. We may refuse to honor a power of attorney if our refusa l is conducted in accordance with applicable state law.
 
 c. Credit Union Examination. We may disregard any information on any check or draft other than the signature of the drawer, the amount of the item, and any magnetic encoding. You agree that we do not fail to ex ercise ordinary care in paying an item solely because our procedures do not provide for sight examination of items.
 
10. FUND TRANSFERS - Fund transfers we permit that are subjec t to Article 4A of the Uniform Commerci al Code, such as wire transfers, will be subject to such provisions of the Uniform Commercial Code as enacted by the state where the main office of the Credit Union is located, except as otherwise provided in this Agreement. ACH transfers are subject to rules of the National Automated Clearinghouse Association (N ACHA). We may execute certain requests for fund transfers  by Fedwire which are subject to the Federal Reserve Board's Regulation J.
 
 a. Authorization for Transfers/Debiting of Accounts.  You may make or order fund transfers to  or from your account. We will debit your account for the amount of a fund transfer fr om your account and will charge your account  for any fees related to the transfer.
 
 b. Right to Refuse to Make Transfers/Limitation of Liability.  Unless we agree otherwise in writing, we reserve the right to refuse to execute any payment order to transfer funds to or from your account. We are not obligated to execute any payment order to transfer fund s out of your account if the amount of the requested transfer plus applicable fees e xceeds the available balance in your account. We are not liable for errors, delays, interruptions or transmission failures caused by third parties or circumstances beyond our control including mechanical , electronic or equipment failure. In addition, we will not be liable for consequentia l, special, punitive or indirect loss or damage you may i ncur in connection with fund transfers to or from your account.
    02005663-D1000-C-1-030921 (D1000C-E) c. No Notice Required. We will not provide you with notice w hen fund transfers are credited to your a ccount. You will receive notice of such credits on your account statements. You may contac t us to determine whether a payment has been received.
 
 d. Interest Payments. If we fail to properly execute a payment order and such action results in a delay in payment to you, we will pay you dividends or interest, whichever applies to your account, for the period of delay as required by applicable law. You agree that  the dividend or interest rate paid to you will be based on the lowest nominal di vidend or interest rate we were paying on any account during th at period.
 
 e. Provisional Credit for ACH Transactions.  We may provisionally credit your account for an ACH transfer before we receive final settlement. If we do not receive final settlement, we may reverse the provis ional credit or require you to refund us the amount provisional ly credited to your account, and the party originating the trans fer will not be considered to have paid you.
 
 f. Payment Order Processing and Cut-off Times.  Payment orders we accept will be executed within a reasonable time of receipt. Unless we have agreed otherwise in writing, a payment order may not necessarily be executed on the date it is received or on a particular  date you specify. Cut-off times may apply to the receipt, execution and processing of fund transfers, payment orders, cancellations, and amendmen ts. Fund transfers, payment orders, cancellations, and amendments received after a cut-off time may be treated as having been received o n the next fund transfer business day. Information about any cu t-off times is available upon request. From time to time, we may need to tempora rily suspend processing of a transaction for greater scrut iny or verification in accordance with applicable law. This action may affect settlement or availability of the transaction.
 
 g. Identifying Information. If your payment order identifies the recipient and any financ ial institution by name and account or other identifying number, the Credit Union and any other financial institutions facilitating the transfer may rely strictly on the account or oth er identifying number, even if the number identifies a different person or financial institution.
 
 h. Amendments and Cancellations of Payment Orders.  Any account owner may amend or cancel a payment order regardless of whether that person initiated the order. We may refuse requests to amend or cancel a payment order that we believe will expose the Credit Un ion to liability or loss. Any request to amend or cancel a payment order that we ac cept will be processed within a reasonable time after it is rece ived. You agree to hold us harmless from and indemnify us for all losses and expenses resulting from any ac tual or attempted amendment or cancellation of a payment order.
 
 i. Security Procedures. We may require you to follow a security procedure to execute, amend or cancel a payment order so that we may verify the authenticity of the order, amendment or cancellation. You agr ee that the security procedure established by separate agreement between you and the Credit Union is commercially reasonabl e. If you refuse to follow a commercially  reasonable security procedure that we o ffer, you agree to be bound by any payment order, whether authoriz ed or not, that is issued in your name and accepted by us in good faith in accor dance with the security procedure you choose.
 
 j. Duty to Report Unauthorized or Erroneous Fund Transfers. You must exercise ordinary care to identify and report unauthorized or erroneous fund transfers on your account. You agree that you will review your acc ount(s) and periodic statement(s). You further  agree you will notify us of any unauthorized or erroneous transfers within the time frames described in the "Statements" section of this Agree ment.
 
 k. Recording Telephone Requests. You agree that we may record payment order, am endment and cancellation requests as permitted by applicable law.
 
 l. Remittance Transfers. A "remittance transfer" is an electronic transfer of funds of more than $15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. If we  act as a remittance transfer provider and conduct a remittance transfer(s) on your behalf, the transaction(s) will be governed by  12 C.F.R. part 1005, subpart B - Requirements for remittance transfers. Terms applicable to such transactions may vary fr om those disclosed herein and will be disclosed to you at the time such services are  requested and rendered in accordance with applicable law.
 
11. ACCOUNT RATES AND FEES - We pay account earnings and assess fees against your acc ount as set forth in the Truth-in-Savings Disclosure and Schedule of Fees and Charges. We may change the Truth-in-Savings Disclosure or Schedule of Fees and Charges at any time and  will notify you as required by law.
 
12. TRANSACTION LIMITATIONS  
 a. Withdrawal Restrictions. We will pay checks or drafts, permit withdrawals, and ma ke transfers from the available balance in your account. The availability of funds in your account may be delayed as descr ibed in our Funds Availability Policy Disclosure. We may also pay checks or drafts, permit withdrawals, and make transfe rs when you have an insufficient available balance in your account if you have esta blished an overdraft protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy.
 
We may refuse to allow a withdrawal in some situations and w ill advise you accordingly if, for example: (1) there is a dispute between account owners (unless a court has ordered the Credit  Union to allow the withdrawal); (2) a l egal garnishment or attachment is served; (3) the account secures any obligation to us; (4) required documentation has not been presented; or (5 ) you fail to repay a credit union loan o n time. We may require you to give written notice of 7 to 60 days before any intended withdrawals. 
 
 b. Transfer Limitations. We may limit the dollar amount or the number of transfers  from your account. Please consult your Truth-in-Savings Disclosure or your Electronic Fund Transfers Agreement and Disclosure.
 
13. CERTIFICATE ACCOUNTS - Any term share, share certificate, time deposit or certif icate of deposit account (certificate account), whichever we offer as allowed by applicable federal or state law, is subject to the terms of this Agreement, the Truth-in-Savings Disclosure, the Account Receipt for each account, and any other documents we provide for the account , the terms of which are incorporated herein by reference.
 
14. OVERDRAFTS  
 a. Payment of Overdrafts. If, on any day, the available balance in y our share or deposit account is not sufficient to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee,  that is posted to your account, we may return the item or pa y it, as described below. The Credit Union�s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union�s midnight deadline with only one review of the account required. We do not have to notify you if your account does not h ave a sufficient available balance in order to pay an item. Your account may be subj ect to a fee for each item regardless of whether we pay or r eturn the item. We may charge a fee each time an item is submi tted or resubmitted for payment; therefore, you may be assessed more than one fee as  a result of a returned item and resubmission(s) of the returned item.
 
If we offer standard overdraft services, th is service allows us to authorize payment  for the following types of transactions re gardless of whether your share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using your checking account, except as otherwise described below; (2) automatic bill payments; (3) and ACH transactions. For ATM and one-time debit card transactions, you must    02005663-D1000-C-1-030921 (D1000C-E)affirmatively consent to such coverage. Without your consent, the Credit Union may not authorize and pay an ATM or one-time debit card transaction that will result in insufficient funds in your a ccount. If you have established a serv ice linking your share or deposit account with other individual or joint accounts, you authorize us to transfer funds from another account of yours to cover an insufficient item, i ncluding transfers from a share or deposit account, an overdraft line- of-credit account, or other account you so designate. Services and fees for these t ransactions are shown in the document the Credit Union uses to capture y our affirmative consent and the Schedule of Fees and Charges.
 
Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such items that result in an insuf ficiency of funds in your account, we do not agree to pay them in the future and may discont inue coverage at any time without notice. If we pay these ite ms or impose a fee that results in insufficient funds in your account, you agree to pay the insufficient amount, including the fee assessed by us, in accordance with our standard overdraft services or any other service you may have authorized with us or, if you do not have such protections with u s, in accordance with any overdraft payment policy we have, as applicable.
 
 b. How Transactions are Posted to Your Account. Basically, there are two types of transactions that affect your account: credits (deposits of money into your account) and debits (payment s out of your account). It is important to understand how each is applied to your a ccount so that you know how much money you have and how much is  available to you at any given time. This  section explains generally how and when w e post transactions to your account.
 
Credits. Deposits are generally added to your account when we receive them . However, in some cases when you deposit a check, the full amount of the deposit may not be available to you at the time of deposit. Please refer to the Funds Availability Policy Disclosure for details regarding the timing and availability of funds from deposits.
 
Debits. There are several types of debit transacti ons. Common debit transactions are generally described below. Keep in mind that there  are many ways transactions are presented for payment by merchants, and we are not nece ssarily in control of when transactions are r eceived.
 
� Checks. When you write a check, it is processed through the Federa l Reserve system. We receive data files of cashed checks from the Federal Reserve each day. The checks drawn on your account are compiled from these data files and paid each day. We process the payments from low to high dollar value.
 
� ACH Payments. We receive data files every day from the Federal Rese rve with Automated Clearing House (ACH) transactions. These include, for example, automatic bill payments you have author ized. ACH transactions for your account are posted throughou t the day in order of receipt.
 
� PIN-Based Debit Card Purchase Transactions. These are purchase transactions using your debit card for which a merchant may require you to enter your personal identific ation number (PIN) at the time of sale. They are processed through a PIN debit network. These transactions are similar to ATM wi thdrawal transactions because the money is usually deducted from your account immediately at the time of the transacti on. However, depending on the merchant, a PI N-based transaction may not be immediately presented for payment.
 
� Signature-Based Debit Card Purchase Transactions. These are purchase transactions using your debit card that are processed through a signature-based network. Rather than entering a PIN, you typically sign for the purchase; however, merchants may not require your signature for certain transac tions. Merchants may seek authorization for these types of transactions. The authorization request places a hold on funds in your acc ount when the authorization is completed. The �authorization hold� will reduce your available balance by the amount authorized but will not affect y our actual balance. The transaction is subsequently processed by the merchant and submitted to us for paymen t. This can happen hours or sometimes days after the transaction, depending on the merchant and its payment processor. These pay ment requests are received in real time throughout the day and are posted to your account when they are received.
 
The amount of an authorization hold may differ from the act ual payment because the final transaction amount may not yet be known to the merchant when you present your card for payment. For exampl e, if you use your debit card at a restaurant, a hold will be  placed in an amount equal to the bill presented to you; but w hen the transaction posts, it will include any tip that you may have added to the bill. This may also be the case where you present your debit card for payment at gas stations, hotels and certain other retail establishments. We cannot control how much a merchant asks us  to authorize, or when a merchant submits a transaction for payment.
 
This is a general description of certain ty pes of transactions. These practices may c hange, and we reserve the right to pay ite ms in any order we choose as permitted by law. 
 
 c. Understanding Your Account Balance.  Your share draft account has two kinds of bal ances: the actual balance and the available balance. Your actual balance reflects the full amount of all deposits to your account as well as payment  transactions that have been posted to your account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available balance is the amount of money in your acc ount that is available for you to use. Y our available balance is your actual balance less: (1) holds placed on deposits; (2) holds on debit card or othe r transactions that have been authorized but are not yet posted; and (3) any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders. We use your available balance to determine whether there are sufficient funds in your account to pay items, including checks and drafts, as  well as ACH, debit card and other electronic transactions. Pending transactions and holds placed on your account may reduce your available balance and may cause your accoun t to become overdrawn regardless of your actual balance. In such cases,  subsequent posting of the pending transactions may further overdraw  your account and be subject to additional fees. You should assume that any item which would over draw your account based on your available ba lance may create an overdraft. You may check your available balance online at www.umassfive.coop,  at an ATM, by visiting a credit union b ranch or by calling us at our call center.
 
15. POSTDATED AND STALEDATED CHECKS OR DRAFTS -  You agree not to issue any check or draft t hat is payable on a future date (postdated). If you do draw or issue a check or draft that is postdated and we  pay it before that date, you agree that we shall have no liab ility to you for such payment. You agree not to deposit checks, drafts, or other items before they  are properly payable. We are not obligated to pay any check or draft drawn on your account that is presented more than six months past its date; howe ver, if the check or draft is paid against your account, we w ill have no liability for such payment.
 
16. STOP PAYMENT ORDERS  
 a. Stop Payment Order Request. Any owner may request a stop payment order on any check or draft drawn on the owner�s account. To be binding, the order must accurately describe the check or draft, including the exact account number, check or draft number, and amount of the check or draft. This exact information is necessary for the Credit Union to identify the check or draft. If we receive incorrect or i ncomplete information, we will not be responsible for failing to stop payment on the check or draft. In addition, we must receive sufficient advance notice of the stop payment in order to allow us a reasonable opportunity  to act on it. If we recredit your account  after paying a check or draft over a va lid and timely stop    02005663-D1000-C-1-030921 (D1000C-E)payment order, you agree to sign a statement describing the disput e with the payee, to assign to us all of your rights against the payee or other holders of the check or draft, and to assist us in any legal action.
 
Stop payment orders for preauthorized debit tran sactions from your account are governed by Regulation E. Please refer to the El ectronic Fund Transfers Agreement and Disclosure for rules regard ing stop payments on preauthorized debit transactions.
 
 b. Duration of Order. You may make an oral stop payment order which will lapse within  14 calendar days unless you confirm it in writing, or in a record if allowed by applicable law, within that time. A wri tten stop payment order is effective for six months and may be rene wed for additional six- month periods by submitting a renew al request in writing, or in a record if allowed by applicable law, before the stop payment order then in effect expires. We do not have to notify you when a stop payment order expires.
 
 c. Liability. Fees for stop payment orders are set forth in the Truth-in-Sav ings Disclosure or Schedule of Fees and Charges. You may not stop payment on any certified check, cashier�s check, teller�s check, or any other check,  draft, or payment guaranteed by us. Althou gh payment of an item may be stopped, you may remain liable to any item holder , including us. You agree to indemnify and hold the Credit Union h armless from all costs, including attorney�s fees and all damages  or claims related to our refusal to pay  an item, as well as claims of any join t account owner or of any payee or endorsee for failing to stop payment of an item as a result of incorrect information provided by you.
 
17. CREDIT UNION LIABILITY - If we do not properly complete a transaction according to th is Agreement, we will be liable for your losses or damages not to exceed the amount of the transaction, except as otherwise provided by law. We  will not be liable if, for example: (1) your account contains an insufficient available balance for the transa ction; (2) circumstances beyond our control prevent the transaction; (3) your loss  is caused by your or another financial institution�s negligence; or (4) your  account funds are subject to legal process or other claim. We will not be liabl e for consequential damages, except liability for wrongful dishonor. We are not responsible for a check or draft that is paid by us if we acted in a commerc ially reasonable manner and exercised ordinary care. We exercise ordinar y care if our actions or nonactions are cons istent with applicable state law, Federal Reserve regulations and operating letters, clearinghouse rules, and general  financial institution practices followed in the area we serve. You grant us  the right, in making payments of deposited funds, to rely exclusively on the form of the account and the terms of this Agreement. Any conflict regar ding what you and our employees say or write will be resolved by reference to this Agreement.
 
18. CHECKS OR DRAFTS PRESENTED FOR PAYMENT IN PERSON -  We may refuse to accept any check or  draft drawn on your account that is presented for payment in person. Such refusal shall not constitu te a wrongful dishonor of the check or draft, and we shall have  no liability for refusing payment. If we agree to cash a check or draft that is presented for payment in person, we may require the presenter to pay a fee. Any applicable check or draft cashing fees are stated in the Schedule of Fees and Charges.
 
19. REMOTELY CREATED CHECKS OR DRAFTS -  For purposes of this paragraph, �account� means  a transaction account, credit account, or any other account on which checks or drafts may be drawn. A remote ly created check or draft is a check or draft created by someone other than the person on whose account the check or draft is drawn. A remotely created check or draft is generally cr eated by a third party payee as authorized by the owner of the account on which the check or draft is drawn. Author ization is usually made over the telephone or through online communi cation. The owner of the account does not sign a remotely created check or draft. In plac e of the owner�s signature, the remotely created check or draft  usually bears a statement that the owner authorized the check or draft or bears the owner� s printed or typed name. If you authorize a third party to draw  a remotely created check or draft against your account, you may not later revoke or change  your authorization. It is your responsibility to resolve any authorization issues directly with the third party. We are not required to credit your acc ount and may charge against your acc ount any remotely created check or draft for which the third party has proof of your authorization.
 
20. PLEDGE, RIGHT OF OFFSET AND STATUTORY LIEN -  Unless prohibited by law, you pledge and grant  as security for all obligations you may have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits an d interest, if any, in all accounts you have with us now and in the fu ture. If you pledge a specific dollar amount in your account(s) for a loan, we will freeze the funds in your account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revol ving loan. Otherwise, funds in your pledged account(s) may be withdrawn unless you are in default. Y ou agree we have the right to offset funds in any of your accounts against the obligation owed to us. Federal or state law (depending upon whethe r we have a federal or state charter) gives us a lien on all shares and dividends and all deposits and interest, if any, in accounts you have with us now and in the future. E xcept as limited by federal or state law, the statutory lien gives us the right to apply the balance of all your accounts to any obli gation on which you are in default. After you are in default, we  may exercise our statutory lien rights without further notice to you.
 
Your pledge and our statutory lien rights will allow us to apply the funds in your account(s) to what you owe when you are in default, except as limited by federal or state law. If we do not apply or offset the funds in your account(s) to satisfy your obligation, we may place an administrative freeze on your account(s) in order to protect our statutory li en rights and may apply or offset the funds in your account(s) to  the amount you owe us at a later time. The statutory lien and your pledge do not apply to any I ndividual Retirement Account or any other account that woul d lose special tax treatment under federal or state law if gi ven as security. By not enforcing our right to apply or offset funds in your account( s) to your obligations that are in default, we do not waive our right to enforce these rights at a later time.
 
21. LEGAL PROCESS - If any legal action is brought against your account, we may pay out funds according to the terms of the action or refuse any payout until the dispute is resolved, as permitted by law. Any expenses or attorney fees we incur responding to legal process m ay be charged against your account without notice, unless prohibited by law. Any legal process against your account is subject to our lien and securi ty interest.
 
22. ACCOUNT INFORMATION - Upon request, we will give you the name and address of each agency from which we obtain a credit report regarding your account. We agree not to disclose account information to thir d parties except when: (1) it is necessary to complete a tran saction; (2) the third party seeks to verify the existence or condition of your account in accordance with applicabl e law; (3) such disclosure complies with  the law or a government agency or court order; or (4) you give us written permission.
 
23. NOTICES  
 a. Name or Address Changes. You are responsible for notifying us  of any name or address change. The Credit Union is only required to attempt to communicate with you at the most recent address you have provided to us. We may require all name and address changes  to be provided in writing. If we attempt to locate you, we may impose a service fee as set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges.
 
 b. Notice of Amendments. Except as prohibited by applicable law, we may change the terms of this Agreement at any time. We will notify you, in a manner we deem appropriate under the circum stances, of any changes in terms, rates or  fees as required by law. We reserve the right to waive any terms of this Agreement. Any such waiver shall not affect our right to future enforcement.
 
 c. Effect of Notice. Any written notice you give us is effective when we receive it. Any written notice we give to you is effective when it is provided electronically or is deposited in the U.S. mail, postage prepaid and addressed to you at your statement mailing addres s, and will be effective whether or not received by you. Notice to any account owner is considered notice to all account owners.
    02005663-D1000-C-1-030921 (D1000C-E) d. Electronic Notices. If you have agreed to receive notices electronically, we may send you notices electronically and discontinue mailing paper notices to you until you notify us that y ou wish to reinstate receiving paper notices.
 
24. TAXPAYER IDENTIFICATION NUMBER AND BACKUP WITHHOLDING -  You agree that we may withhold taxes from any dividends or interest earned on your account as required by federal, state or local law or regulations. Your failure to furnish a correct Taxpayer Id entification Number (TIN) or meet other requirements may result in backup withholding. If your account is subject to backup withholding, we must withhold and pay to the Internal Revenue Service a percentage of dividends, inte rest, and certain other payments. If you fa il to provide your TIN within a reasonable time we may close your account and return the balance to  you, less any applicable service fees.
 
25. STATEMENTS  
 a. Contents. If we provide a periodic statement for your account, you will re ceive a periodic statement that shows the transactions and activity on your account during the statement period as  required by applicable law. If a periodic statement is provided, you agree that onl y one statement is necessary for joint accounts. For share draft or checking acc ounts, you understand and agree that your original check or draft, when paid, becomes property of the Credit Union and may not be returned to you, but c opies of the check or draft may be retained by us or by payab le-through financial institutions and may be made available upon your request. You understand and agree that statements are made available to you on  the date they are mailed to you or, if you have requested, on the date they ar e made available to you electronically. You also understand and agree that checks, drafts, or copies thereof are made available to you on the date the statement is mailed to you or is provided to you electronic ally, even if the checks or drafts do not accompany the statement.
 
 b. Examination. You are responsible for promptly examining each statement upon receiving it and reporting any irregularities to us. If you fail to report any irregularities such as forged,  altered, unauthorized, unsigned, or otherwise fraudulent items drawn on your account, erroneous payments or transactions, or other discrepancies that are reflected on your statement within 33 days of the date we sent or otherwise provided the statement to you, we will not be responsible for your loss. We also will  not be liable for any items that are forged or altered in a mann er not detectable by a reasonable person, including the unauthorized use of facsimile signature equipment.
 
Unauthorized electronic fund transfers governed  by Regulation E are subject to differ ent reporting periods. Please refer to the  Electronic Fund Transfers Agreement and Disclosure for reporting r equirements pertaining to electronic fund transfers.
 
 c. Notice to Credit Union. You agree that the Credit Union�s retention of checks or dr afts does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any e rrors. The statement will be considered correct for all purposes, an d we will not be liable for any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to receive a periodic statement, you agree to  notify us within 14 days of the time you regularly receive a statement.
 
 d. Address. If we mail you a statement, we will send it to the last known address shown in our records. If you have requested to receive y our statement electronically, we will send the statement or notice of  statement availability to the last e-mail address shown in our records.
 
26. INACTIVE ACCOUNTS - As allowed by applicable law, we may classify your account  as inactive or dormant and assess a fee if you have not made any transactions in your account over a specified period of time. The peri od of inactivity, the fee for servicing an inactive or dormant account, and the minimum balance required to avoid the service fee, if any, are set forth in our  Schedule of Fees and Charges. You authorize  us to transfer funds from another account of yours to cover any service fees, if applicabl e. To the extent allowed by law, we reserve the right to transfer the account funds to an account payable or reserve account and to suspend any further account statements. If a deposit or withdrawal has not been ma de on the account and we have had no other sufficient contact wi th you within the period specified by st ate law, the account will then be presume d to be abandoned. Funds in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state , we have no further liability to you for such funds. If you choose to reclaim such funds, you must apply to the appropriate state agency.
 
27. SPECIAL ACCOUNT INSTRUCTIONS -  You may request that we facilitate certain trust, will, or court-ordered account arrangements. However, because we do not give legal advice, we c annot counsel you as to which account arra ngement most appropriately meets the specifi c requirements of your trust, will, or court order. If you ask us to follow any in structions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow y our instructions or may require you to indemnify us or post a bond or provide us with other protection. We may require that a ccount changes requested by you, or any acc ount owner, such as adding or closing an acco unt or service, be evidenced by a signed Account Change Card or other document which evidences a change to an account and accepted by us.
 
28. TERMINATION OF ACCOUNT - We may terminate your account at any time without notice to you or may require you to close your account and apply for a new account if, for example: (1) there is a change in owners or authorized signers; (2) there has been a forgery or  fraud reported or committed involving your account; (3) there is  a dispute as to the ownership of the account or of the funds in the account; (4)  any checks or drafts are lost or stolen; (5) there are excessive returned unpaid items not  covered by an overdraft protection plan; (6) there has been a ny misrepresentation or any other abuse of any of your accounts; (7 ) we reasonably deem it necessary to prevent  a loss to us; or (8) as otherwise permi tted by law. You may terminate an individual account by giving wri tten notice. We reserve the right to require the consent of all owners to terminate a joint account. We are not responsible for payment of any check, dra ft, withdrawal, transaction, or other item a fter your account is terminated; however, if we pay an item after termination, you agree to reimburse us.
 
29. TERMINATION OF MEMBERSHIP; LIMITATION OF SERVICES -  You may terminate your membership by giving us written notice or by withdrawing your minimum required membership  share, if any, and closing all of your accounts. You may be expelled from membersh ip for any reason allowed by applicable law. We may restrict account access and services without notice to you when your account is being misused ; you have demonstrated conduct which is abusive in nat ure; as outlined in any policy we have adopt ed regarding restricting services; or a s otherwise permitted by law.
 
30. DEATH OF ACCOUNT OWNER - We may honor all transfer orders, withdrawals, deposits,  and other transactions on an account until we know of a member's death. Even with such knowledge, we may continue to pay  checks or drafts or honor other payments or transfer orders au thorized by the deceased member for a period of ten days after the member's death unless we receive instructions from any person claiming an in terest in the account to stop payment on the checks, drafts, or other items. We ma y require anyone claiming a deceased ow ner�s account funds to indemnify us for any losses resulting from our honoring that claim. This Agreement will be binding upon any heirs or legal representatives of any account owner.
 
31. UNLAWFUL INTERNET GAMBLING AND OTHER ILLEGAL ACTIVITIES -  You agree that you are not engaged in unlawful internet gambling or any other illegal activity. You agree that y ou will not use any of your accounts, access devices or services for unlawful inter net gambling or other illegal activities. We may terminate your account relationship if you engage in unlawful internet gambling or other illegal activities.
 
32. SEVERABILITY - If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreement shall not be in valid or unenforceable and will continue in full force and effect. A ll headings are intended for reference only and are not to be con strued as part of the Agreement.
    02005663-D1000-C-1-030921 (D1000C-E)33. ENFORCEMENT - You are liable to us for any losses, costs, or expenses we in cur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs, or expenses from your account without prior notice to you. If we bring a legal a ction to collect any amount due under or to enforce this Agreement, we shall be entitled, s ubject to applicable law, to payment of reasonable attorney�s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions.
 
34. GOVERNING LAW - This Agreement is governed by the following, as amended from  time to time: the Credit Union's bylaws; local clearinghouse and other payment system rules; federal laws and regulations, including applicable principles of contract law; and the laws and  regulations of the state of Massachusetts. As permitted by applicable la w, you agree that any legal action regardi ng this Agreement shall be brought in the  county in which the Credit Union is located.
 
35. NEGATIVE INFORMATION NOTICE - We may report information about your loan, share, or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.
 
36. MONITORING AND RECORDING COMMUNICATIONS - We may monitor and record communicati ons between you and us, including telephone conversations, electronic messages, electronic records, or other data transmissions that affect your accounts or other products  and services. Except as otherwise prohibited by applicable law, you agree we may monitor and record such communications without your approval or furthe r notice to you.
 
37. CONSENT TO CONTACT - By signing or otherwise authenticating an Account Card, you agree we and/or our third-party providers, including debt collectors, may contact you by telephone or text message at any telephone number associated with your account, including wirele ss telephone numbers (i.e. cell phone numbers) which could result in charges to you, in  order to service your account or collect any amounts owed to  us, excluding any contacts for advertising and telemarketing purposes as prescribed by law. You further agree methods of contact may include use of pre-recorded or artificial voice messages, and/or use of an automatic dialing device. You may withdraw the consent to be contacted on your wire less telephone number(s) at any time by any reasonable m eans. If you have provided a wireless telephone number(s) on or in connection with any  account, you represent and agree you are the wireless s ubscriber or customary user with respect to the wireless telephone number(s) provided  and have the authority to give this consent. Furthermore, you agr ee to notify us of any change to the wireless telephone number(s) which you have prov ided to us.
 
In order to help mitigate harm to you and your account, we ma y contact you on any telephone number associated with your account, including a wireless telephone number (i.e. cell phone number), to deliver to you any mess ages related to suspected or actual fraudulent activity on your account, data security breaches or identity theft following a data breach, money  transfers or any other exigent messages permitted by applicable law. These contacts will not contain any telemarketing, cross-marketing, solicitation, advertising, or de bt collection message of any kind. The con tacts will be concise and limited in frequency as required by law. You will have an opportunity to opt-out of such communications at the time of delivery . 
   � CUNA Mutual Group 2008, 2010, 11, 2020 All Rights Reserved                 02005663-11452-P-1-030921 (114522)-e 
       
FUNDS AVAILABILITY POLICY DISCLOSURE 
This Disclosure describes your ability to withdraw funds from any account at UMassFive College Federal Credit Union. 1. GENERAL POLICY � Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. Electroni c direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposi t before 6:00 p.m. at a staffed facility or before 4:30 p.m. at an ATM that we own or operate 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 our cutoff hour or on a day 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 same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. Howeve r, the first $225.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same 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 di rectly 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 next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  3. HOLDS ON OTHER FUNDS � If we cash a check for you that is dr awn on another financial institution, we may withhold the availability of a corresponding 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 fund s 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:  - We believe a check you deposit will not be paid.  - You deposit checks totaling more than $5,525.00 on any one (1) day.  - You redeposit a check that has been returned unpaid.  - You have overdrawn your account repeatedly in the last six (6) months.  - There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw f unds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day 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 electronic 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 $5,525.00 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 same business day that we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the ninth bus iness 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 $5,525.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit.     02005663-11452-P-1-030921 (114522)-e  6. FOREIGN CHECKS � Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for 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.   
� CUNA Mutual Group 2008 -10, 12 -14, 17, 2020 All Rights Reserved   02005663 -51002 -C-1-061821  (51002D) -e 
 
 
 
 
 
 
ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE  
This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities  concerning 
the electronic fund transfers (EFT) services offered to you by UMassFive College Federal Credit Union (�Credit Union�). In this 
Agreement, the words �you,� �your,� and �yours� mean those who sign the application or account card as applicants, joint owne rs, or any 
authorized users. The words �we,� �us,� and �our� mean the Credit Union. The word �account� means any one (1) or more savings and 
checking accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money f rom your 
account through the EFT services described below. By signing an application or account card for EFT services, signing your card, or using 
any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for t he EFT 
servic es offered. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R.  part 
1005, subpart B �Requirements for remittance transfers, and consequently, terms of this agreement may vary for those types of 
transactions. A �remittance transfer� is an electronic transfer of funds of more than $15.00 which is requested by a sender a nd sent to a 
designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may  vary from those 
disclosed herein and will be disclosed to you at the time such services are requested and rendered in accordance with applica ble law.  
1. EFT SERVICES � If approved, you may conduct any one (1) or more of the EFT services offered by the Cre dit Union.  
a. Debit Card.  If approved, you may use your Visa� card to purchase goods and services from participating merchants. However, you 
may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over t he Internet, you may be 
required to provide card number security information before you will be permitted to complete the transaction. You agree that  you will not 
use your card for any transaction that is illegal under applicable federal, state, or local l aw. Funds to cover your card purchases will be 
deducted from your checking account. For ATM and one -time debit card transactions, you must consent to the Credit Union�s overdraft 
protection plan in order for the transaction amount to be covered under the p lan. Without your consent, the Credit Union may not authorize 
and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document t he Credit 
Union uses to capture the member�s opt -in choice for overdr aft protection and the Schedule of Fees and Charges.  
For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit U nion may pay the 
amount and treat the transaction as a request to transfer fun ds from other deposit accounts, approved overdraft protection accounts, or 
loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you  agree to 
make immediate payment of any overdrafts toget her with any service charges to the Credit Union. In the event of repeated overdrafts, the 
Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs 
of the Credit Union, NYCE and PL US� networks, and such other machines or facilities as the Credit Union may designate. In addition, 
you may use your Visa card without a PIN for certain transactions on the Visa , NYCE and PLUS � networks. However, provisions of this 
Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, 
do not apply to transactions processed through non -Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a 
card number, or swipe or insert your card at a point -of-sale (POS) terminal and choose to route the transaction over a Visa network.  
At the present time, you may also use your card to:  
 - Make deposits to your savings and checking accounts.  
 - Withdraw fun ds from your savings and checking accounts.  
 - Transfer funds from your savings and checking accounts.  
 - Obtain balance information for your savings and checking accounts.  
 - Make point -of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at 
merchants that accept Visa.  
 - Order goods or services online or by mail or telephone from places that accept Visa.  
The following limitations on Debit Card transactions may apply:  
 - You may purc hase up to a maximum of $2,000.00 per day.  
 - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your 
account.  
 - You may transfer up to the available balance in your accounts at the time of  the transfer.  
 - See Section 2 for transfer limitations that may apply to these transactions.  
Card Information Updates and Authorizations.  If you have authorized a merchant to bill charges to your card on a recurring basis, it is 
your responsibility to no tify the merchant in the event your card is replaced, your card information (such as card number and expiration 
date) changes, or the account associated with your card is closed. However, if your card is replaced or card information chan ges, you 
authorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the merchant t o bill 
recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify us that you hav e revoked 
authorization for the charges to your card.  
Your card is automatically enrolled in an information updating service. Through this service, your updated card information ( such as card 
number and expiration date) may be shared with participating me rchants to facilitate continued recurring charges. Updates are not    02005663 -51002 -C-1-061821  (51002D) -e guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charg es 
resume. To revoke your authorization allowing us to provide u pdated card information to a merchant, please contact us.  
b. Preauthorized EFTs.   
 - Direct Deposit.  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 federal recurring payments, such as Social Security, to your savings and/or checking 
account.  
 - Preauthorized Debits.  Upon instruction, we will pay certain recurring transactions from your savings and/or checking account.  
 - See Section 2  for transfer limitations that may apply to these transactions.  
 - Stop Payment Rights.  If you have arranged in advance to make electronic fund transfers out of your account(s) for money you owe 
others, you may stop payment on preauthorized transfers from your account. You must notify us orally or in writing at any time up to 
three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment or der to 
be made within 14 days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease 
to be binding 14 days after it has been made.  A stop payment request may apply to a single transfer, multiple transfers, or all future 
transfers as directed by you, and wil l remain in effect unless you withdraw your request or all transfers subject to the request have 
been returned.  
 - Notice of Varying Amounts.  If these regular payments may vary in amount, the person you are going to pay is required to tell you, 
ten (10) da ys before each payment, when it will be made and how much it will be. You may choose instead to get this notice only 
when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside 
certain limits that you set.  
 - Liability for Failure to Stop Payment of Preauthorized Transfers.  If you order us to stop payment of a preauthorized transfer three 
(3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.  
c. Electronic Check Conversion/Electronic Returned Check Fees.  If you pay for purchases or bills with a check or draft, you may 
authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payee s to 
electronically debit your account for returned check fees. Y ou are considered to have authorized these electronic fund transfers if you 
complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed el ectronically or if 
you sign a written authorization.  
d. Online Banking.  If Online Banking is activated for your account(s), you will be required to use secure login information to access the 
account(s). At the present time, you may use Online Banking to:  
 - Transfer funds from your savings, checking, loan, and  Money Manage r accounts.  
 - Obtain balance information for your savings, checking, loan, club, certificate, and Money Manager accounts.  
 - Make loan payments from your savings, checking, and Money Manager accounts.  
 - Access your Home Equity Line of Credit  accounts.  
 - Determine if a particular item has cleared.  
 - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts.  
 - Verify the last date and amount of your payroll deposit.  
 - Make bill payments to preauthorized creditors.  
 - Place stop payment on a personal check.  
Your accounts can be accessed through Online Banking via personal computer. Online Banking will be available for your convenience 24 
hours per day. This service may be interrup ted for a short time each day for data processing. We reserve the right to refuse any 
transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or ot herwise 
require us to increase our required r eserve on the account. We may set other limits on the amount of any transaction, and you will be 
notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified fund s. The service 
will discontinue if  no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the 
duration of each access.  
The following limitations on Online Banking transactions may apply:  
 - The maximum withdrawal or transfer amount is $25,000.00 per day, and no transfer or withdrawal may exceed the available funds in 
your account.  
 - See Section 2 for transfer limitations that may apply to these transactions.  
e. Mobile Banking.  If Mobile Banking is activated for your account(s), you will be required to use secure login information to access the 
account(s). At the present time, you may use Mobile Banking to:  
 - Transfer funds from your savings, checking, loan, and Money Manager accounts.  
 - Obtain balance information for your savings, checking, loan, club, certificate, and Money Manager accounts.  
 - Make loan payments from your savings, checking, and Money Manager accounts.  
 - Access your Home Equity Line of Credit accounts.  
 - Determine if a particular item has cleared.  
 - Verify the l ast date and amount of your payroll deposit.  
 - Make bill payments to preauthorized creditors.  
 - Make deposits using Remote Deposit Capture;  see separate Terms and Conditions for more details.  
Your accounts can be accessed under Mobile Banking via mobile device or other approved access device(s). Mobile Banking will be 
available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processin g. We 
reserve the right to refuse any transaction which would dra w upon insufficient funds, exceed a credit limit, lower an account below a 
required balance, or otherwise require us to increase our required reserve on the account. We may set other limits on the amo unt of any    02005663 -51002 -C-1-061821  (51002D) -e transaction, and you will be notified of thos e limits. We may refuse to honor any transaction for which you do not have sufficient available 
verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a tra nsaction and 
there may be limits on  the duration of each access.  
The following limitations on Mobile Banking transactions may apply:  
 - The maximum withdrawal or transfer amount is $25,000.00 per day, and no transfer or withdrawal may exceed the available funds  in 
your account.  
 - You may m ake up to $2,000.00 in daily deposits to your checking account via Remote Deposit Capture, unless otherwise stated.  
 - See Section 2 for transfer limitations that may apply to these transactions.  
f. Bill Pay.   Please refer to the Bill Pay Terms & Condition s, provided at the time of enrollment and available to current users at any 
time, unless otherwise informed, by logging into Online Banking.  
2. TRANSFER LIMITATIONS � For all savings and Money Manager accounts, you may make no more than six (6) transfers a nd 
withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, autom atic, or 
Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed t hese limitations, your 
account may be subject to a fee or be closed.  
3. CONDITIONS OF EFT SERVICES �  
a.  Ownership of Cards.  Any card or other device which we supply to you is our property and must be returned to us, or to any person 
whom we authorize to act as our agent, or to any person who is authorized to honor the card, immediately according to instruc tions. The 
card may b e repossessed at any time at our sole discretion without demand or notice. You cannot transfer your card or account to anothe r 
person.  
b.  Honoring the Card.  Neither we nor merchants authorized to honor the card will be responsible for the failure or refus al to honor the 
card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a cre dit to your 
account in lieu of a cash refund. Participating merchants may not offer a discount to encourage use of your card rather than paying by 
cash or check.  
c.  Foreign Transactions.   
Visa.  Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rat e 
between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a 
range of rates available in wholesale currency markets for the applicable transaction date, which rate may vary from the rate  Visa itself 
receives, or the rate mandat ed by the government or governing body in effect for the applicable transaction date. The exchange rate used 
on the transaction date may differ from the rate that would have been used on the processing date or cardholder statement pos ting date  
A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, 
including purchases, cash withdrawals and credits to your account. A fee of 0.80% of the amount of the transaction, calculate d in U.S. 
dollars, will be imposed on all single currency foreign transactions, including purchases,  cash withdrawals and credits to your account. A 
foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, w ith the 
exception of U.S. military bases, U.S. territories, U.S. embassies or U.S.  consulates. Transactions completed by merchants outside of the 
United States are considered foreign transactions, regardless of whether you are located inside or outside the United States at the time of 
the transaction.  
d.  Security of Access Code.  You ma y use one (1) or more access codes with your electronic fund transfers. The access codes issued 
to you are for your security purposes. Any access codes issued to you are confidential and should not be disclosed to third p arties or 
recorded on or with the c ard. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your 
access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, t hat 
authority shall co ntinue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you 
authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the securit y of the se 
access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.  
e.  Joint Accounts.  If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized 
users, shall be bo und by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any savings and 
checking or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account o wner, may, 
and is hereby authorized by every other joint account owner, make any transaction permitted under this Agreement. Each joint account 
owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT 
transaction on any account from any joint account owner.  
f.  Stop Payment of EFTs.  The initiation by you of certain electronic fund transfers from your account will, except as otherwise provided 
in this Agreement, effectively eliminate your ability  to stop payment of the transfers.  
Unless otherwise provided in this Agreement, you may not stop payment of electronic fund transfers; therefore, you should not  
employ electronic access for purchases and services unless you are satisfied that you will not need to stop payment.  
g.  Account Rates.   The dividend rates on accounts on which electronic fund transactions may be made are set forth in the Credit 
Union�s Truth -in-Savings Disclosure.  
4. FEES AND CHARGES � We assess certain fees and charges for EFT ser vices. For a current listing of all applicable fees and 
charges, see our current Schedule of Fees and Charges that was provided to you at the time you applied for or requested these  EFT 
services. From time to time, the fees and charges may be changed, and we will notify you as required by applicable law.     02005663 -51002 -C-1-061821  (51002D) -e Additionally, if you use an ATM not operated by us, you may be charged a fee(s) by the ATM operator and by any international,  national, 
regional, or local network used in processing the transaction (and you  may be charged a fee for a balance inquiry even if you do not 
complete a funds transfer). The ATM fee(s), or surcharge(s), will be debited from your account if you elect to complete the t ransaction 
and/or continue with the balance inquiry.  
You understand and agree that we and/or the ATM operator may charge you multiple fees for multiple transactions during the same ATM 
session (for example, fees for both a balance inquiry and a cash withdrawal).  
5. MEMBER LIABILITY � You are responsible for all transaction s you authorize using your EFT services under this Agreement. If you 
permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they autho rize or 
conduct on any of your accounts. However, TELL US AT O NCE if you believe your card and/or access code has been lost or stolen, if you 
believe someone has used your card or access code or otherwise accessed your accounts without your permission, or if you beli eve that 
an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of 
keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line -of-credit).  
If a transaction was made with your card  or card number without your permission and was a Visa transaction, you will have no liability for 
the transaction, unless you were fraudulent or negligent in handling your account or card. For all other unauthorized use inv olving the loss 
or theft of your  card or access code or if you were negligent in handling your account or card, your maximum liability for unauthorized use 
may be up to $50.00.  
Also, if your statement shows transfers that you did not make including those made by card, access code or othe r means, TELL US AT 
ONCE. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after t he 60 days if 
we can prove that we could have stopped someone from making the transfers if you had told us in t ime. If a good reason (such as a 
hospital stay) kept you from telling us, we will extend the time periods. This paragraph does not apply to unauthorized use o f a Visa debit 
card or other access device.  
If you believe your card or access code has been lost  or stolen or that someone has transferred or may transfer money from your 
accounts without your permission, call:  
413.256.5500  
800.852.5886  
or write to:  
UMassFive College Federal Credit Union  
200 Westgate Center Drive  
PO Box 1060  
Hadley, MA 01035  
You should also call the number or write to the address listed above if you believe a transfer has been made using the informatio n from 
your check without your permission.  
6. RIGHT TO RECEIVE DOCUMENTATION � Any documentation we provide to you that indicates that an electronic fund transfer was 
made to another person shall be admissible as evidence of such transfer and shall constitute proof of the transaction which i t records.  
a. Periodic Statements.  Transfe rs and withdrawals made through any debit card transactions, preauthorized EFTs, online/PC 
transactions, mobile access device transactions or bill payments you make will be recorded on your periodic statement. You wi ll receive a 
statement monthly unless th ere is no transaction in a particular month. In any case, you will receive a statement at least quarterly.  
b. Terminal Receipt.  You can get a receipt at the time you make any transaction (except inquiries) involving your account using an 
ATM and/or point -of-sale (POS) terminal.  
c. Direct Deposit.  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 deposi t has been made by calling 
413.256.5500 or 800.852.5886. This does not apply to transactions occurring outside the United States.  
7. ACCOUNT INFORMATION DISCLOSURE � We will disclose information to third parties about your account or the transfers you 
make : 
 - 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 credi t bureau or 
merchant;  
 - If your account is eligible for emergency cash and/or emergenc y card replacement services and you request such services, you agree 
that we may provide personal information about you and your account that is necessary to provide you with the requested servi ce(s);  
 - To comply with a proper government agency summons or  request, lawful subpoena or court order;  
 - To any credit union employee, attorney, auditor, or collection agency for the Credit Union;  
 - To communicate the terms and history of your account to a consumer reporting agency; and  
 - If you give us your writ ten permission.  
8. BUSINESS DAYS AND HOURS � Our business days are Monday through Friday, excluding holidays. For account inquiries or 
notices of authorized transactions, contact us during business hours between 8:00 and 5:00 on any business day.  
9. CREDIT  UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS � If we do not complete a transfer to or from your account on 
time or in the correct amount according to our agreement with you, we may be liable for losses or damages proximately caused by our 
error. However,  we will not be liable for direct or consequential damages in the following events:     02005663 -51002 -C-1-061821  (51002D) -e  - If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your ac counts 
necessary to complete the transaction  are pledged or held as uncollected funds pursuant to our Funds Availability Policy Disclosure, 
or if the transaction involves a loan request exceeding your credit limit.  
 - If you used your card or access code in an incorrect manner.  
 - If the ATM where y ou are making the transfer does not have enough cash.  
 - If the ATM was not working properly and you knew about the problem when you started the transaction.  
 - If any act of God (such as fire, flood, or power failure) prevents the transaction.  
 - If the m oney in your account is subject to legal process or other claim restricting such transfer.  
 - If any circumstances beyond our control (such as your willful or negligent use of your card, access code, or any EFT facility  for 
making such transfers) prevent t he transaction.  
 - If the error was caused by a system of any participating ATM network.  
 - If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EF T facility for 
making such transfers.  
 - If the telephone or computer equipment you use to conduct audio response, online/PC, or mobile banking transactions is not wo rking 
properly and you know or should have known about the breakdown when you started the transaction.  
 - If you have bill paymen t services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer 
made by the Credit Union. For any other error or question you have involving the billing statement of the participating merch ant, you 
must contact  the merchant directly. We are not responsible for investigating such errors.  
 - Any other exceptions as established by the Credit Union.  
10. NOTICES � All notices from us will be effective when we have mailed them or delivered them to the appropriate address in the 
Credit Union�s records. Written notice you provide in accordance with your responsibility to report unauthorized transactions  to us will be 
considered given at the time you mail the notice or deliver it for transmission to us by any other usual means. All other not ices from you 
will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms 
and conditions upon which EFT services are offered and will provide notice to you in accordance with applicable law. Use of E FT services 
is subject to existing regulations governing your Credit Union account and any future changes to th ose regulations.  
The following information is a list of safety precautions regarding the use of ATMs and night deposit facilities:  
 - Be aware of your surroundings, particularly at night.  
 - Consider having someone accompany you when the ATM or night depos it facility is used after dark.  
 - Close the entry door of any ATM facility equipped with a door.  
 - If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you compl ete your 
transaction. If it is  after the regular hours of the financial institution and you are using an ATM, do not permit entrance to any person 
you do not know.  
 - Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place  your money in 
your purse or wallet. Count the cash later in the safety of your car or home.  
 - If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming 
back later. If you are in  the middle of a transaction and you notice something suspicious, cancel the transaction, take your card or 
deposit envelope, and leave.  
 - If you are followed after making a transaction, go to the nearest public area where people are located.  
 - Do not  write your personal identification number (PIN) or access code on your ATM card.  
 - Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the neare st 
available public telephone.  
11. BILLING ERR ORS � In case of errors or questions about electronic fund transfers from your savings and checking accounts or if 
you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a wri tten notice 
to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on whi ch 
the problem appears. Call us at:  
413.256.5500  
800.852.5886  
or write to:  
UMassFive College Federal Credit Union  
200 Westgate Cent er Drive  
PO Box 1060  
Hadley, MA 01035  
 - Tell us your name and account number.  
 - Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe it is an error or w hy you 
need more information.  
 - Tell us the doll ar amount of the suspected error.  
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.  
We will determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. 
If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this , we will 
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 days, we may not credit your account .    02005663 -51002 -C-1-061821  (51002D) -e We will tell you the results within three (3) business days after completing our investigation. If we decide that there was n o error, we will 
send you a written explanation. You may ask for copies of the documents that we used in our investigation.  
* If you give notice of an error occurring within 30 days after you make the first deposit to your account, we may take up to 2 0 business 
days instead of ten (10) business days to investigate the error.  
** If you give notice of an error occurring within 30 d ays after you make the first deposit to your account, notice of an error involving a 
point -of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territo ries, we 
may take up to 90 days inste ad of 45 days to investigate the error. Additionally, for errors occurring within 30  days after you make the first 
deposit to your account, we may take up to 20 business days instead of ten (10) business days to credit your account.  
NOTE:  If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account 
within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which ca se you will 
recei ve credit as described above.  
12. TERMINATION OF EFT SERVICES � You may terminate this Agreement or any EFT service under this Agreement at any time by 
notifying us in writing and stopping your use of your card and any access code. You must return all card s to the Credit Union. You also 
agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also termi nate this 
Agreement at any time by notifying you orally or in writing. If we terminate this Agreeme nt, we may notify any participating merchants 
making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not a ccept any 
further preauthorized transaction instructions. We may also program our com puter not to accept your card or access code for any EFT 
service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under t his Agreement 
for any electronic transactions made prior to termination.  
13. 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 Massachusetts, and local clearinghouse rules, as amended from time to time. Any disputes regardin g this 
Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.  
14. ENFORCEMENT � You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this 
Agreement. You auth orize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a 
legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, t o payment of 
reasonable attorney�s fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgment collection acti ons.