Common use of Account Statements Clause in Contracts

Account Statements. You may send statements relating to the operation of my account(s) to me by mail with or without cheques or other instruments at my address or make such statements available to me in electronic format. If I wish to receive my statements in electronic format only, I will indicate that to you. When I ask you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements will be available online for a limited time from the statement date. Should I require a permanent record I will print or save a copy of any statements I require. If I change my address or any other contact information, I will advise you within 30 days. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and agree that after the 30 days have expired from when I am deemed to have received it, the statement and the balance shown on it are considered correct and that all payment and transactions are genuine and properly charged against my account(s). If I do not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques or other items which clear my account including forged or unauthorized items, even if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my statement for any reason. It is my responsibility to ensure I receive my statement and I will contact you if I have not received my statement for any reason within 10 days of the date upon which I would normally receive my statement. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instruments.

Account Statements. (i) You are responsible for promptly examining each account statement. Any objection that you may send statements have regarding any unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement will be waived unless made in writing to us, and received on or before the 60th day following the date the statement is mailed or otherwise made available, subject to applicable law. If you have an issue relating to a substitute check, you must notify us in writing within 60 days of the operation date we mailed or delivered the substitute check in question or the account statement reflecting the posting of my account(s) to me by mail with or without cheques or other instruments at my address or make such statements available to me in electronic formatthe substitute check, whichever is later. If I wish you are unable to receive my statements in electronic format onlymake a timely claim relating to a substitute check due to extraordinary circumstances, I we will indicate extend the time period. You agree that we will not be liable for any unauthorized withdrawal, any payment order, any forged, unauthorized, or altered item drawn on or deposited to your account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within the 60-day period, nor will we be liable for any forged, unauthorized, or altered item if the forgery or alteration is not readily ascertainable upon inspection. We also will not be liable for subsequent unauthorized withdrawals by the same wrongdoer if you fail to notify us of the first unauthorized withdrawal within the 60-day period, even if the subsequent unauthorized withdrawals are reported promptly. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement containing any such error was mailed or otherwise made available to you. When I ask For consumer accounts, please refer to your Electronic Fund Transfers Agreement and Disclosures to determine your notification obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. (ii) Unless we adopt alternative procedures from time to time, checks drawn on your account will not be returned to you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements and copies of checks will be made available online for a limited time from to you upon your request, subject to any fee disclosed on the statement dateFee Schedule or if you have enrolled in the Online Banking or Mobile Banking services, viewed on our web site at no charge. Should I require a permanent record I will print or save a copy That notwithstanding, you agree that it is your duty to examine statements promptly and your obligation to notify us in the event of any statements I requireerror is not waived or diminished in any respect by our retention of checks drawn on your account. If I change my You agree that checks are deemed to be “made available” to you by your receipt of your statement (electronically or by mail) and your ability to view or request copies of those checks . (iii) You will receive an account statement monthly for your checking accounts. You will receive an account statement at least quarterly for your savings accounts. We will only mail or deliver an account statement to the primary member. The primary member is responsible for providing the account statement information to any other Parties to the account. You acknowledge that any person to whom the account statement is provided will have access to all account and loan information appearing on the account statement. Unless we have agreed otherwise, we will mail your account statement to the most recent address we have on file for the primary member in our records. You agree to notify us promptly if your name, address, or any other contact information, I will advise you within 30 daysinformation such as your phone or email address changes. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and You agree that after we may change your address of record if we receive an address change notice from the 30 days have expired from when I am deemed U.S. Postal Service or if a third party in the business of providing correct address information notifies us that your address of record is inconsistent with the address the third party has on file for you. It is your responsibility to have received itensure that your statements are received, the statement and the balance shown on it are considered correct and you agree that all payment and transactions are genuine and properly charged against my account(s). If I do we will not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques the loss or other items which clear my account including forged or unauthorized items, even theft of your statements. You agree to notify us immediately if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions fail to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my a statement for any reasonyour checking accounts monthly, or a statement for your savings accounts at least quarterly. It is my responsibility important that you make note of the time that you regularly receive your statement. You agree to ensure I receive my statement notify us immediately and I will contact you if I have not received my statement for in any reason event within 10 14 days of the date upon which I would normally that time, if you fail to receive my your statement. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instruments.

Account Statements. You may send statements relating to the operation of my account(s) to me by mail with or without cheques or other instruments at my address or make such statements available to me in electronic format. If I wish to receive my statements in electronic format only, I will indicate that to you. When I ask you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements will be available online for a limited time from the statement date. Should I require a permanent record I will print or save a copy of any statements I require. If I change my address or any other contact information, I will advise you in writing within 30 days. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with meprovided. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and agree that after the 30 days have expired from when I am deemed to have received itexpired, the statement and the balance shown on it are considered correct and that all payment and transactions are genuine and properly charged against my account(s). If I do not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item instrument charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques or other items which clear my account including forged or unauthorized items, even if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available Statements forwarded to me electronicallyby mail are deemed received by me on the day after mailing. However, I understand that this 30 Statements provided electronically are deemed received by me on the last day period applies even if my statement is delayed or I do not receive my statement for any reason. It is my responsibility to ensure I receive my statement and I will contact you if I have not received my statement for any reason within 10 days of the date upon month for which I would normally receive my statementthe statement applies. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instruments.

Account Statements. You are responsible for promptly examining each Account statement.Any objection that you may send statements relating have respecting any unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement, except for electronic fund transfers and claims related to substitute checks, will be waived unless made in writing to us, and received on or before the operation 33rd day following the date the statement is mailed or is otherwise made available, subject to applicable ▇▇▇.▇▇▇ agree that we will not be liable for any unauthorized withdrawal, any payment order, any forged, unauthorized, or altered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within that 33-day period, nor will we be liable for any forged or altered item if the forgery or alteration is not readily ascertainable upon inspection.We also will not be liable for subsequent unauthorized withdrawals by the same wrongdoer if you fail to notify us of my account(s) the first unauthorized withdrawal within the 33-day period, even if the subsequent unauthorized withdrawals are reported ▇▇▇▇▇▇▇▇.▇▇▇ agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to me by mail any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement containing any such error was mailed or without cheques or other instruments at my address or make such statements otherwise made available to me in electronic format. If I wish to receive my statements in electronic format only, I will indicate that to you. When I ask For consumer Accounts, please refer to your Electronic Fund Transfers Agreement and Disclosures to determine your notification obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. Some errors related to consumer international payment orders (“remittance transfers”) may be subject to different notification obligations as disclosed at the time remittance transfer services are provided. The Funds Availability Policy discloses your notification obligations for claims related to substitute checks. Unless we adopt alternative procedures from time to time, checks drawn on your Account will not be returned to you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements and copies of checks will be available online for a limited time from the statement date. Should I require a permanent record I will print or save a copy of any statements I require. If I change my address or any other contact information, I will advise you within 30 days. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and agree that after the 30 days have expired from when I am deemed to have received it, the statement and the balance shown on it are considered correct and that all payment and transactions are genuine and properly charged against my account(s). If I do not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques or other items which clear my account including forged or unauthorized items, even if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. Howeveryou upon your request, I understand subject to any fee disclosed in the Account Services and Fee ▇▇▇▇▇▇▇▇.▇▇▇ agree that this 30 day period applies even if my statement your duty to examine statements promptly and your obligation to notify us in the event of any error is delayed not waived or I do not receive my statement for diminished in any reason. It is my responsibility to ensure I receive my statement and I will contact you if I have not received my statement for any reason within 10 days respect by our retention of the date upon which I would normally receive my statement. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instrumentschecks drawn on your Account.

Account Statements. You may send statements relating to the operation of my account(s) to me by mail with or without cheques or other instruments at my address or make such statements available to me in electronic format. If I wish to receive my statements in electronic format only, I will indicate that to you. When I ask you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements will be available online for a limited time from the statement date. Should I require a permanent record I will print or save a copy of any statements I require. If I change my address or any other contact information, I will advise you within 30 days. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities irregularities, or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and agree that after the 30 days have expired from when I am deemed to have received it, the statement and the balance shown on it are considered correct and that all payment payments and transactions are genuine and properly charged against my account(s). If I do not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques or other items which clear my account including forged or unauthorized items, even if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my statement for any reason. It is my responsibility to ensure I receive my statement and I will contact you if I have not received my statement for any reason within 10 days of the date upon which I would normally receive my statement. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instruments.

Account Statements. (i) You may send statements relating to the operation of my account(s) to me by mail with or without cheques or other instruments at my address are responsible for promptly examining each account statement we provide or make such statements available to me in electronic format. If I wish to receive my statements in electronic format only, I will indicate that to you. When I ask Any objection that you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements may have regarding any unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement will be available online for a limited time from waived unless made in writing to us and received on or before the 60th day following the date the statement dateis mailed or otherwise made available, subject to applicable law. Should I require If you have an issue relating to a permanent record I substitute check, you must notify us in writing within 60 days of the date we mailed or delivered the substitute check in question or the account statement reflecting the posting of the substitute check, whichever is later. If you are unable to make a timely claim relating to a substitute check due to extraordinary circumstances, we will print extend the time period. You agree that we will not be liable for any unauthorized withdrawal, any payment order, any forged, unauthorized, or save a copy altered item drawn on or deposited toyour account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within the 60-day period, nor will we be liable for any forged, unauthorized, or altered item if the forgery or alteration is not readily ascertainable upon inspection. We also will not be liable for subsequent unauthorized withdrawals by the same wrongdoer if you fail to notify us of the first unauthorized withdrawal within the 60-day period, even if the subsequent unauthorized withdrawals are reported promptly. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement containing any such error was mailed or otherwise made available to you. For consumer accounts, please refer to your Electronic Fund Transfers Agreement and Disclosures to determine your notification obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. Some errors related to international payment orders ("remittance transfers”) may be subject to different notification obligations as disclosed at the time the remittance transfer service is provided. Our Funds Availability Policy discloses your notification obligations for claims related to substitute checks. (ii) Unless we adopt alternative procedures from time to time, checks drawn on your account will not be returned to you and copies of checks will be made available to you upon your request, subject to any fee disclosed on the Fee Schedule or if you have enrolled in the Online Banking or Mobile Banking services, viewed on our web site at no charge. That notwithstanding, you agree that it is your duty to examine statements I requirepromptly and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your account. If I change my You agree that checks are deemed to be “made available” to you by your receipt of your statement (electronically or by mail) and your ability to view or request copies of those checks. (iii) You will receive an account statement monthly for your checking accounts. You will receive an account statement at least quarterly for your savings accounts. We will only mail or deliver an account statement to the primary member. The primary member is responsible for providing the account statement information to any other Parties to the account. You acknowledge that any person to whom the account statement is provided or made available to will have access to all account and loan information appearing on the account statement, even if that person is not authorized on the account, and we are not responsible for such access. Unless we have agreed otherwise, we will mail your account statement to the most recent address we have on file for the primary member in our records. You agree to notify us promptly if your name, address, or any other contact information, I will advise you within 30 daysinformation such as your phone or email address changes. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and You agree that after we may change your address of record if we receive an address change notice from the 30 days have expired from when I am deemed U.S. Postal Service or if a third party in the business of providing correct address information notifies us that your address of record is inconsistent with the address the third party has on file for you. It is your responsibility to have received itensure that your statements are received, the statement and the balance shown on it are considered correct and you agree that all payment and transactions are genuine and properly charged against my account(s). If I do we will not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques the loss or other items which clear my account including forged or unauthorized items, even theft of your statements. You agree to notify us immediately if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions fail to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my a statement for any reasonyour checking accounts monthly, or a statement for your savings accounts at least quarterly. It is my responsibility important that you make note of the time that you regularly receive your statement. You agree to ensure I receive my statement notify us immediately and I will contact you if I have not received my statement for in any reason event within 10 14 days of the date upon which I would normally that time, if you fail to receive my your statement. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instruments.

Account Statements. (i) You are responsible for promptly examining each account statement. Any objection that you may send statements have respecting any unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement will be waived unless made in writing to us, and received on or before the 60th day following the date the statement is mailed or otherwise made available, subject to applicable law. If you have an issue relating to a substitute check, you must notify us in writing within 60 days of the operation date we mailed or delivered the substitute check in question or the account statement reflecting the posting of my account(s) to me by mail with or without cheques or other instruments at my address or make such statements available to me in electronic formatthe substitute check, whichever is later. If I wish you are unable to receive my statements in electronic format onlymake a timely claim relating to a substitute check due to extraordinary circumstances, I we will indicate extend the time period. You agree that we will not be liable for any unauthorized withdrawal, any payment order, any forged, unauthorized, or altered item drawn on or deposited to your account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within the 60-day period, nor will we be liable for any forged, unauthorized, or altered item if the forgery or alteration is not readily ascertainable upon inspection. We also will not be liable for subsequent unauthorized withdrawals by the same wrongdoer if you fail to notify us of the first unauthorized withdrawal within the 60-day period, even if the subsequent unauthorized withdrawals are reported promptly. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement containing any such error was mailed or otherwise made available to you. When I ask For consumer accounts, please refer to your Electronic Fund Transfers Agreement and Disclosures to determine your notification obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. (ii) Unless we adopt alternative procedures from time to time, checks drawn on your account will not be returned to you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements and copies of checks will be made available online for a limited time from to you upon your request, subject to any fee disclosed on the statement dateFee Schedule or if you have enrolled in the Online Banking or Mobile Banking services, viewed on our web site at no charge. Should I require a permanent record I will print or save a copy That notwithstanding, you agree that it is your duty to examine statements promptly and your obligation to notify us in the event of any statements I requireerror is not waived or diminished in any respect by our retention of checks drawn on your account. If I change my You agree that checks are deemed to be “made available” to you by your receipt of your statement (electronically or by mail) and your ability to view or request copies of those checks . (iii) You will receive an account statement monthly for your checking accounts. You will receive an account statement at least quarterly for your savings accounts. We will only mail or deliver an account statement to the primary member. The primary member is responsible for providing the account statement information to any other Parties to the account. You acknowledge that any person to whom the account statement is provided will have access to all account and loan information appearing on the account statement. Unless we have agreed otherwise, we will mail your account statement to the most recent address we have on file for the primary member in our records. You agree to notify us promptly if your name, address, or any other contact information, I will advise you within 30 daysinformation such as your phone or email address changes. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and You agree that after we may change your address of record if we receive an address change notice from the 30 days have expired from when I am deemed U.S. Postal Service or if a third party in the business of providing correct address information notifies us that your address of record is inconsistent with the address the third party has on file for you. It is your responsibility to have received itensure that your statements are received, the statement and the balance shown on it are considered correct and you agree that all payment and transactions are genuine and properly charged against my account(s). If I do we will not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques the loss or other items which clear my account including forged or unauthorized items, even theft of your statements. You agree to notify us immediately if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions fail to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my a statement for any reasonyour checking accounts monthly, or a statement for your savings accounts at least quarterly. It is my responsibility important that you make note of the time that you regularly receive your statement. You agree to ensure I receive my statement notify us immediately and I will contact you if I have not received my statement for in any reason event within 10 14 days of the date upon which I would normally that time, if you fail to receive my your statement. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instruments.

Account Statements. You are responsible for promptly examining each Account statement. Except as may send statements be provided in any other agreement we have with you, any objection that you may have respecting any unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement will be waived unless made in writing to us, and received on or before the 60th day following the date the statement is mailed or otherwise made available, subject to applicable law. If you have an issue relating to a substitute check, you must notify us in writing within 60 days of the operation date we mailed or delivered the substitute check in question or the Account statement reflecting the posting of my account(s) to me by mail with or without cheques or other instruments at my address or make such statements available to me in electronic formatthe substitute check, whichever is later. If I wish you are unable to receive my statements in electronic format onlymake a timely claim relating to a substitute check due to extraordinary circumstances, I we will indicate extend the time period. You agree that we will not be liable for any unauthorized withdrawal, any payment order, any forged, unauthorized, or altered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within the 60-day period, nor will we be liable for any forged, unauthorized, or altered item if the forgery or alteration is not readily ascertainable upon inspection. We also will not be liable for subsequent unauthorized withdrawals by the same wrongdoer if you fail to notify us of the first unauthorized withdrawal within the 60-day period, even if the subsequent unauthorized withdrawals are reported promptly. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement containing any such error was mailed or otherwise made available to you. When I ask For consumer and business, organization, and association Accounts, please refer to your Electronic Fund Transfers Agreement and Disclosures to determine your notification obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. Unless we adopt alternative procedures from time to time, checks drawn on your Account will not be returned to you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements and copies of checks will be made available online for a limited time from to you upon your request, subject to any fee disclosed on the statement dateFee Schedule. Should I require a permanent record I will print or save a copy That notwithstanding, you agree that your duty to examine statements promptly and your obligation to notify us in the event of any statements I requireerror is not waived or diminished in any respect by our retention of checks drawn on your Account. If I change my You will receive an Account statement monthly for your Checking Accounts. You will receive an Account statement at least quarterly for your Savings Accounts. We will only mail or deliver an Account statement to the primary member. The primary member is responsible for providing the Account statement information to any other parties to the Account. You acknowledge that any person to whom the Account statement is provided will have access to all Account and loan information appearing on the Account statement. Unless we have agreed otherwise, we will mail your Account statement to the most recent address we have on file in our records for the primary member. You agree to notify us promptly if your name, address, or any other contact information, I will advise you within 30 daysinformation such as your telephone or email address changes. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and You agree that after we may change your address of record if we receive an address change notice from the 30 days have expired from when I am deemed U.S. Postal Service or if a third party in the business of providing correct address information notifies us that your address of record is inconsistent with the address the third party has for you. It is your responsibility to have received itensure that your statements are received, the statement and the balance shown on it are considered correct and you agree that all payment and transactions are genuine and properly charged against my account(s). If I do we will not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques the loss or other items which clear my account including forged or unauthorized items, even theft of your statements. You agree to notify us immediately if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions fail to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my a statement for any reasonyour Checking Accounts monthly, or a statement for your Savings Accounts at least quarterly. It is my responsibility important that you make note of the time that you regularly receive your statement. You agree to ensure I receive my statement notify us immediately and I will contact you if I have not received my statement for in any reason event within 10 14 days of the date upon which I would normally that time, if you fail to receive my your statement. Where the account is joint you may send statements to one of us. You may utilize choose to receive your statements online through our Online Banking. If you elect to receive electronic imaging statements, we will notify you by email when your electronic statement is available and retention in connection with my account transactions no paper statement will be issued. Electronic statements can be downloaded, saved, and need not provide me with original instrumentsprinted for your records.

Account Statements. You may send statements relating to the operation of my account(s) to me by mail with or without cheques or other instruments at my address are responsible for promptly examining each Account statement we provide or make such statements available to me in electronic format. If I wish to receive my statements in electronic format only, I will indicate that to you. When I ask Except as may be provided in any other agreement we have with you, any objection that you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements may have respecting any unauthorized withdrawal, any payment order (including a wire transfer), or any other item or deposit shown on or missing from a statement will be available online for a limited time from waived unless made in writing to us, and received on or before the 60th day following the date the statement dateis mailed or otherwise made available, subject to applicable law. Should I require If you have an issue relating to a permanent record I substitute check, you must notify us in writing within 60 days of the date we mailed or delivered the substitute check in question or the Account statement reflecting the posting of the substitute check, whichever is later. If you are unable to make a timely claim relating to a substitute check due to extraordinary circumstances, we will print extend the time period. You agree that we will not be liable for any unauthorized withdrawal, any payment order, any forged, unauthorized, or save a copy altered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy if you fail to notify us within the 60-day period, nor will we be liable for any forged, unauthorized, or altered item if the forgery or alteration is not readily ascertainable upon inspection. We also will not be liable for subsequent unauthorized withdrawals by the same wrongdoer if you fail to notify us of the first unauthorized withdrawal within the 60-day period, even if the subsequent unauthorized withdrawals are reported promptly. You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized, or altered item or as a result of any missing or diverted deposit, or due to any other error or discrepancy, unless you have provided us with notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement containing any such error was mailed or otherwise made available to you. For consumer and business, organization, and association Accounts, please refer to your Electronic Fund Transfers Agreement and Disclosures to determine your notification obligations in the event of unauthorized electronic fund transfers or other errors in connection with such transfers. Unless we adopt alternative procedures from time to time, checks drawn on your Account will not be returned to you and copies of checks will be made available to you upon your request, subject to any fee disclosed on the Fee Schedule. That notwithstanding, you agree that your duty to examine statements I requirepromptly and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your Account. If I change my You will receive an Account statement monthly for your Checking and Money Market Accounts. You will receive an Account statement at least quarterly for your Savings Accounts. We will only mail or deliver an Account statement to the primary member. The Primary Member is responsible for providing the Account statement information to any other parties to the Account. You acknowledge that any person to whom the Account statement is provided will have access to all Account and loan information appearing on the Account statement. Unless we have agreed otherwise, we will mail your Account statement to the most recent address we have on file in our records for the Primary Member. You agree to notify us promptly if your name, address, or any other contact information, I will advise you within 30 daysinformation such as your telephone or email address changes. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and You agree that after we may change your address of record if we receive an address change notice from the 30 days have expired from when I am deemed U.S. Postal Service or if a third party in the business of providing correct address information notifies us that your address of record is inconsistent with the address the third party has for you. It is your responsibility to have received itensure that your statements are received, the statement and the balance shown on it are considered correct and you agree that all payment and transactions are genuine and properly charged against my account(s). If I do we will not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques the loss or other items which clear my account including forged or unauthorized items, even theft of your statements. You agree to notify us immediately if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions fail to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my a statement for any reasonyour Checking Accounts monthly, or a statement for your Savings Accounts at least quarterly. It is my responsibility important that you make note of the time that you regularly receive your statement. You agree to ensure I receive my statement notify us immediately and I will contact you if I have not received my statement for in any reason event within 10 14 days of the date upon which I would normally that time, if you fail to receive my your statement. Where the account is joint you may send statements to one of us. You may utilize choose to receive your statements online through our Online Banking. If you elect to receive electronic imaging statements, we will notify you by email when your electronic statement is available and retention in connection with my account transactions no paper statement will be issued. Electronic statements can be downloaded, saved, and need not provide me with original instrumentsprinted for your records.

Account Statements. You may send statements relating We’ll provide you a paper or electronic Account statement every month unless no payment or transaction has been posted to the operation of my account(s) to me by mail with Account and no interest or without cheques or other instruments at my address or make such statements available to me in electronic format. If I wish to receive my statements in electronic format only, I will indicate that to you. When I ask you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements will be available online for a limited time from the statement date. Should I require a permanent record I will print or save a copy of any statements I require. If I change my address or any other contact information, I will advise you within 30 days. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I fees have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and agree that after the 30 days have expired from when I am deemed to have received it, the statement and the balance shown on it are considered correct and that all payment and transactions are genuine and properly been charged against my account(s). If I do not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have Account. You must tell us in writing, no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques or other items which clear my account including forged or unauthorized items, even if I have notified you within the later than 30 days described above, unless I can prove I took all reasonable precautions to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date Account statement date, of any mistakes or missing information on the date upon which it was made available to me electronicallyAccount statement. HoweverIf you do not tell us as required in this Section 17, I understand you agree that this 30 day period applies even if my the Account statement is delayed or I do correct, except for any amount we applied incorrectly to the Account, which we may reverse at any time. If we cannot receive my send the Account statement on time for any reason, such as a mail strike, you must contact us at least once a month to get the information you need to continue making your payments as required. You agree and accept that the Account statement constitutes conclusive proof of indebtedness and that you are responsible to pay the indebtedness shown on the Account statement in accordance with the terms of this Agreement. If the Account statement is returned to us because of an incorrect address, we will not send the Primary Cardholder any more Account statements, and we may not allow any Cardholder to use the Account until the Primary Cardholder gives us his or her correct address. It is my the Primary Cardholder's responsibility to ensure I receive my give us this information. Registration for the online Account statement on the eZCard website automatically puts an end to the mailing of the paper version of your Account statement. If the date of registration for the online Account statement is too close to the processing date of your Account statement, a statement may be sent by mail to you in addition to being accessible on eZCard. There are no fees for the registration, receipt and visualization of your online Account statement. You acknowledge that your online Account statement has the same value as the paper version of the Account statement and I will contact you if I have that it constitutes a sufficient written proof procedure in any legal proceedings. You acknowledge that Meridian shall not received my be held liable for damages resulting from the impossibility of visualizing the online Account statement for further to a malfunction, temporary failure or misuse, nor any reason within 10 days other interruption of the date upon which I would normally receive my electronic presentation of the online Account statement, including equipment breakdown and problems related to the Internet provider, regardless of whether the reason or cause was within our control or not. Where Notwithstanding the availability of the online Account statement indicated above, your Account will also be automatically added to Meridian’s online banking platforms providing the ability to view balance information and recent transaction history. Your Account may be accessed by you accessing your Meridian online bank account is joint you may send statements and following the instructions set out thereon. From your Meridian online account, a link will also be provided to one of us. You may utilize electronic imaging and retention in connection with my eZCard allowing access to full detailed account transactions and need not provide me with original instrumentsinformation.

Account Statements. You The Credit Union may send statements relating to the operation of my the account(s) to me you by mail with or without cheques or other instruments at my your address or make such statements available to me you in electronic format. If I you wish to receive my your statements in electronic format only, I you will indicate that to youthe Credit Union. When I you ask you us to provide statements in electronic format only I understand I you will no longer receive paper statements. Electronic statements will be available online for a limited time from the statement date. Should I you require a permanent record I will you should print or save a copy of any statements I you require. If I you change my your mailing address or any other contact information, I you will advise you the Credit Union within 30 days. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I You will examine my your statements and tell you inform the Credit Union of any errors, irregularities or forgeries. You will give the Credit Union notice in writing of any errors, irregularities or forgeries, including any unauthorized or forged endorsement on any instrument immediately after you have acquired knowledge of it. Unless such errors, irregularities or forgeries are brought to your the attention of the Credit Union in writing or through email if I you have electronic access, I you understand and agree that after the 30 days have expired from when I am you are deemed to have received it, the statement and the balance shown on it are considered correct and that all payment payments and transactions are genuine and properly charged against my the account(s). If I you do not contact you the Credit Union within 30 days, I you understand I you will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you the Credit Union for reimbursement even if the item charged to my your account was forged, unauthorized or fraudulent. I You understand I you will be responsible for all cheques or other items which clear my your account including forged or unauthorized items, even if I you have notified you the Credit Union within the 30 days described above, unless I you can prove I you took all reasonable precautions to prevent the forgery or unauthorized item and the resulting loss. I You understand I am you are deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me you electronically. However, I you understand that this 30 day period applies even if my your statement is delayed or I you do not receive my your statement for any reason. It is my your responsibility to ensure I you receive my your statement and I you will contact the Credit Union if you if I have not received my your statement for any reason within 10 days of the date upon which I you would normally receive my your statement. Where the account is joint you the Credit Union may send statements to one of usyou. You The Credit Union may utilize electronic imaging and retention in connection with my the operation of your account transactions and need is not obliged to provide me you with original instruments.

Account Statements. You may send statements relating to the operation of my account(s) to me by mail with or without cheques or other instruments at my address or make such statements available to me in electronic format. If I wish to receive my statements in electronic format only, I will indicate that to you. When I ask you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements will be available online for a limited time from the statement date. Should I require a permanent record I will print or save a copy of any statements I require. If I change my address or any other contact information, I will advise you in writing within 30 days. Should you not be able to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. instrumentitem I will examine my statements and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and agree that after the 30 days have expired from when I am deemed to have received it, the statement and the balance shown on it are considered correct and that all payment and transactions are genuine and properly charged against my account(s). If I do not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulent. I understand I will be responsible for all cheques or other items which clear my account including forged or unauthorized items, even if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my statement for any reason. It is my responsibility to ensure I receive my statement and I will contact you if I have not received my statement for any reason within 10 days of the date upon which I would normally receive my statement. Statements forwarded to me by mail are deemed received by me on the day after mailing. Statements provided electronically are deemed received by me on the last day of the month for which the statement applies. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instruments.

Account Statements. You may send statements relating to the operation of my account(s) to me by mail with or without cheques or other instruments at my address or make such statements available to me in electronic formatare responsible for promptly examining each Account statement. If I wish your Account is a Joint or Multiple-Party Account, you agree that we need only provide an Account statement to receive my statements in electronic format only, I will indicate that to one of you. When I ask Any objection that you may have with respect to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements will be available online for any unauthorized withdrawal, any payment order (including a limited time from the statement date. Should I require a permanent record I will print or save a copy of any statements I require. If I change my address wire transfer), or any other contact informationitem or deposit shown on or missing from a statement, I except for electronic fund transfers, will advise you within 30 daysbe waived unless made in writing to us, and received on or before the thirty-fifth (35th) day following the date the statement is mailed or is otherwise delivered (60th day if your claim relates to a substitute check), subject to applicable law. Should you You agree that we will not be able to contact meliable for unauthorized withdrawal, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements and tell you of payment order, any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries are brought to your attention in writing or through email if I have electronic access, I understand and agree that after the 30 days have expired from when I am deemed to have received it, the statement and the balance shown on it are considered correct and that all payment and transactions are genuine and properly charged against my account(s). If I do not contact you within 30 days, I understand I will release the Credit Union from all claims in respect to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulentaltered item drawn on or deposited to your Account, any item with missing signatures or endorsements, any missing or diverted deposit, or any other error or discrepancy, including any subsequent alterations, unauthorized signatures or withdrawals by the same wrongdoer, even if the unauthorized activity appears on later statements, if you fail to notify us within that thirty-five day period, nor will we be liable for any forged or altered item if the forgery or alteration is not readily ascertainable upon inspection. I understand I You agree that no legal action may or will be instituted by you against us seeking the recovery of any alleged loss as a result of the payment of a forged, unauthorized or altered item, or as a result of any missing or diverted deposit, or due to any other error or discrepancy unless you have provided us with such notice within the period prescribed above and any such legal action shall have been instituted within two years after the date that the statement containing any such error was mailed or otherwise made available to you. Unless we adopt alternative procedures from time to time, checks drawn on your Account will not be returned to you and copies of checks will be made available to you upon your request according to the charges set forth on the Truth in Savings Rate and Fee Schedule. That notwithstanding, you agree that your duty to examine statements promptly, and your obligation to notify us in the event of any error is not waived or diminished in any respect by our retention of checks drawn on your Account. You will receive an Account statement monthly for your Checking Accounts. In most cases, you will receive an Account statement at least quarterly for your Savings Accounts. It is your responsibility to insure that your statements are received, and you agree that we will not be responsible for all cheques the loss or other items which clear my account including forged or unauthorized items, even theft of your statements. You agree to notify us immediately if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions failed to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my a statement for any reasonyour Checking Accounts monthly or a statement for your Savings Accounts at least quarterly. It is my responsibility important that you make note of the time that you regularly receive your statement. You agree to ensure I receive my statement notify us immediately and I will contact you if I have not received my statement for in any reason event within 10 days of the date upon which I would normally that time, if you failed to receive my your statement. Where You acknowledge that we employ an automated collection procedure in order to more efficiently handle the account is joint you may send statements to one high volume of usitems we process. For that reason, our procedures generally do not include the sight review examination of items. You may utilize electronic imaging acknowledge and retention agree that reasonable commercial standards do not require us to sight review any check presented and that any failure to sight review shall not constitute a lack of ordinary care in connection with my account transactions and need not provide me with original instrumentsthe payment of any item.

Account Statements. You will send me an Account statement every month in which a Transaction was made. In any event, I will receive an Account statement at least quarterly. My Account statements will include the following information for Card Transactions: the amount, location, Transaction date, posting date, and merchant name (when available). In addition, my Account statement will include my Check writing and ACH activity during the period covered by the statement. Transactions from my Account may appear on the day after the Business Day the transaction took place. PNC will not send me separate statements relating listing Transactions. As used in this section, the term “problem” means any error, alteration or Unauthorized Transaction (including, but not limited to, forged or missing signatures, unauthorized wire transfers, and excluding Electronic Fund Transfers) related to any Check Transaction(s) for my Account. Because I am in the operation of best position to discover any problem, I will promptly examine my account(sstatement and report to PNC any problem on or related to my statement. I agree that neither you nor PNC will be responsible for any problem related to a Check Transaction that: (1) I do not report to PNC in writing within a reasonable time not to exceed 20 calendar days after the Company mails the statement (or makes the statement available) to me me; (2) results from a forgery, counterfeit or alteration so clever that a reasonable person cannot detect it (for example, unauthorized Checks made with my facsimile signature device or that look to an average person as if they contain an authorized signature); or (3) As otherwise provided by mail with law or without cheques regulation. I may not start a legal action against either you or other instruments at PNC because of any problem unless: (a) I have given PNC the above notice and (b) the legal action begins within one year after my address statement is sent or make such statements made available to me in electronic formatme. If I wish make a claim against either you or PNC in connection with a problem, you and PNC reserve the right to receive conduct a reasonable investigation before recrediting my statements account, and I agree to cooperate in electronic format onlysuch investigation. If either you or PNC requests, I will indicate that agree to you. When I ask you to provide statements in electronic format only I understand I will no longer receive paper statements. Electronic statements will be available online for a limited time from the statement date. Should I require a permanent record I will print complete an affidavit of forgery or save a copy other proof of any statements I requireloss. If I change my address or refuse to sign such an affidavit, neither you nor PNC will be liable to me for any other contact informationloss arising from the problem. For problems involving an electronic banking transaction, I will advise you within 30 daysplease refer to the “Electronic Fund Transfers” sections of this Agreement. Should you not be able These time periods for me to contact me, for the purpose of communicating with me I consent and agree to you contacting any Alternate Contact I have provided for the purpose of locating or making contact with me. I will examine my statements statement and tell you of any errors, irregularities or forgeries. Unless such errors, irregularities or forgeries report “problems” to PNC are brought without regard to your attention in writing or through email if I have electronic accessPNC’s level of care or the commercial reasonableness of your or its practices, I understand and agree that after the 30 days have expired from when I am deemed without regard to have received it, the statement and the balance shown on it whether copies or images of cancelled Checks are considered correct and that all payment and transactions are genuine and properly charged against my account(s). If I do not contact you within 30 days, I understand I will release the Credit Union from all claims in respect supplied or made available to the account(s) and I will have no claim against you for reimbursement even if the item charged to my account was forged, unauthorized or fraudulentyou. I understand I will be responsible for all cheques or other items which clear my account including forged or unauthorized items, even need to contact you promptly if I have notified you within the 30 days described above, unless I can prove I took all reasonable precautions to prevent the forgery or unauthorized item and the resulting loss. I understand I am deemed to have received each statement 5 days after the mailing date or the date upon which it was made available to me electronically. However, I understand that this 30 day period applies even if my statement is delayed or I do not receive my statement for any reason. It is my responsibility to ensure I receive my statement and I will contact you if I have not received my statement for any reason within 10 days of the date upon which I would normally receive my regular statement. Where the account is joint you may send statements to one of us. You may utilize electronic imaging and retention in connection with my account transactions and need not provide me with original instruments.