Common use of Amendments and Termination Clause in Contracts

Amendments and Termination. We may change our bylaws and any term of this agreement. Rules governing in interest rates are provided separately. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership within the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you, but copies may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

Amendments and Termination. We may change our bylaws Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any term of this agreementtime. Rules governing in interest rates are provided separatelyEither you or we may close your account at any time for any reason. For other changesIf we do, we will give mail you reasonable a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in writing Full,” and the like) whether on the front or by back, in any other method permitted by lawformat. We If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may close this account if your membership within the credit union terminates, or by giving reasonable notice make funds provisionally available to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be dishonored. When you close your accountpaid, you are responsible for leaving enough money in any loss that occurs if the account check is returned to cover us for any outstanding items and charges to be paid from the accountreason (e.g., because it is counterfeit). At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we Our employees cannot verify your identity promise that checks drawn on or we suspect fraudissued by other institutions, it might including cashier’s checks, will be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you noticepaid. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the balance presentation occurs after the expiration of the funds in the account (as of a stop payment order. We normally do not examine the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary on checks presented for a joint accountpayment. You agree that we are not required to identify stale dated checks or to seek your original check, when paid, becomes our property and may not be returned permission to you, but copies may be retained by us and made available upon pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your request. You agree that statements are made deposit available to you on the date they are mailed first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to youpay checks that you have written. You also agree that checks or copies thereof are made Funds from electronic direct deposits to your account will be available to you on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errorswe received them. The statement day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityfollowing business day.

Amendments and Termination. We may change our bylaws and any term of this agreement. Rules governing in interest rates are provided separately. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership within the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you, but copies may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day 60­day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

Amendments and Termination. We may change our bylaws these Rules and Regulations and the Fee Schedule at any term of this agreementtime. Rules governing in interest rates are provided separatelyEither you or we may close your account at any time for any reason. For other changesIf we do, we will give mail you reasonable a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in writing Full,” and the like, whether on the front or by back, in any other method permitted by lawformat. We If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may close this account if your membership within the credit union terminates, or by giving reasonable notice make funds provisionally available to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be dishonored. When you close your accountpaid, you are responsible for leaving enough money in any loss that occurs if the account check is returned to cover us for any outstanding items and charges to be paid from the accountreason (e.g., because it is counterfeit). At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we Our employees cannot verify your identity promise that checks drawn on or we suspect fraudissued by other institutions, it might including cashier’s checks, will be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you noticepaid. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the balance presentation occurs after the expiration of the funds in the account (as of a stop payment order, We normally do not examine the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary on checks presented for a joint accountpayment. You agree that we are not required to identify stale dated checks or to seek your original check, when paid, becomes our property and may not be returned permission to you, but copies may be retained by us and made available upon pay them. Our policy is to make funds from your request. You agree that statements are made deposit available to you on the date they are mailed first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to youpay checks that you have written. You also agree that checks or copies thereof are made Funds for electronic direct deposits to your account will be available to you on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errorswe received them. The statement day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 P.M. for all branch locations, other than ▇▇▇▇▇▇▇. • ▇▇▇▇▇▇▇ ATM 5:00 P.M. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityfollowing business day.

Amendments and Termination. We may change our bylaws and any term of this agreementAgreement. Rules governing changes in interest rates are provided separatelyin a separate disclosure. For other changes, we will agree to provide you notice of any amendment (except an amendment benefitting you) at least thirty (30) days, or a longer period if required by law, before that amendment becomes effective by mailing you notice of the amendment to the last address shown on our records, by delivering the notice electronically, including via email, by making the notice available with the periodic statement of your Account (as applicable), by posting notice of the amendment in a branch or other offices, or by posting notice of the amendment on ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇ (or any subsequent official Bank website) or on the Bank’s mobile banking platform (if applicable). You agree that it is your responsibility to review the Website periodically for any amendments or a subsequent version. We may, but are not required to give you reasonable notice if the amendment will be to your benefit. If there is more than one Account owner, we may send the notice of amendment to only one of you. By continuing to maintain your Account, conducting a transaction or obtaining services or products relating to this Agreement or your Account after the amendment becomes effective, you agree to the amendment or subsequent version of this Agreement. No amendment of this Agreement is enforceable against us unless it is signed by the Bank’s general counsel. No practice or course of dealing in writing connection with the Account which is at variance with this Agreement shall constitute a waiver, modification, or by any other method permitted by lawamendment of this Agreement. We may also close this account if Account at any time for any reason. We do not have to give you any notice before we close your membership within the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mailAccount. Items presented for payment after the account Account is closed may be dishonored. When you close your accountAccount, you are responsible for leaving enough money in the account Account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreementAccount. Reasonable notice depends on the circumstances. In some cases, and in some cases such as when we cannot verify your identity or identity, we suspect fraud, we receive conflicting instructions from persons authorized to transact on the Account, or when we are otherwise compelled by law it might be reasonable for us to give you notice after your Account is closed or otherwise frozen. Termination of the change Account, whether by us or account closure becomes effectiveby you, does not relieve you of any obligation you may then owe us. For instanceWe may accept deposits to the Account after it has been closed in order to collect any deficit balance, and such acceptance will not constitute reinstatement of the Account. We may (but do not have to) mail you a check for the available balance in your Account or send you the funds via a wire transfer or other method, or you may pick up a check for the available balance at our office. Written notice that the Account has been closed and a check, if we suspect fraudulent activity with respect to your accountany, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us may be sent to any one of you address shown on our records for you, or if the Account is notice a joint Account, to all of youany Account owner to whom we elect to send it. If Once we have notified you of a change in any term of closed your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an accountAccount, you agree that we can: • refuse to honor any checks you have written or any other items which are presented to us for payment after we have closed your Account; • refuse to act as your agent to try to collect any check you have deposited in your Account or otherwise, honor or pay any check you have deposited to your closed Account, or to accept any automated deposit to your Account; or • assess any service charge otherwise applicable against any remaining balance in your Account. We are not responsible to you for any damages you may close suffer as a result of your Account being closed. If you attempt to make a deposit to an account we closed due to non-payment of an overdraft or otherwise, we may collect the account deposit and issue setoff your indebtedness to us and collect a check for service charge from the balance of the amount you deposited. Any funds in the account (as excess of the date at our election to close the account) to any remaining nonmember account owner. You $1.00 will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you. We reserve the right to refuse your request to close your Account, but copies for various reasons, including, for example, if your Account is not in good standing. If you intend to close your Account, you should notify us. Simply reducing your Account balance to $0.00 is insufficient notice and may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges result in additional fees charged to your account unless Account. If you notify us within the time limit. In addition to close your duty to review your statements for unauthorized signatures, alterations and forgeriesAccount, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forgedtransactions you initiated or authorized, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice including those that we will require that you provide written confirmation within 10 days of receive after the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation Account is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityclosed.

Amendments and Termination. We Except when prohibited by applicable law, we may change our bylaws and any term alter the terms of this agreementagreement or our by-laws. Rules governing You will be notified of any changes in interest rates are provided separately. For other changesterms, we will give you reasonable notice in writing rates, or by any other method permitted fees as required by law. We may close reserve the right to waive any part of this account if your membership within the credit union terminates, or by giving reasonable notice agreement without affecting our right to you and tender of the account balance personally or by mailfuture enforcement. Items presented for payment after the account is closed may be dishonored. When you close your account, you You are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you, but copies may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges changes to your account unless address or name. We are required only to attempt communication with you notify at the most recent address provided to us within the time limitby you. In addition We may accept oral notice of a change to your duty address, however, we may require other notice from you to review us. Any written notice given to us by you is effective upon our receiving it. Any written notice given to you by us is effective when it is mailed to you at your statements statement mailing address using the U.S. Mail. Notice given to any account owner however is considered given to all account owners. We reserve the right to terminate your account at any time without notice to you or we may require you to close your account and open a new account if there is a change in account ownership or signers if a forgery or fraud is reported, or committed against your account if there is doubt as to the ownership of an account or funds in an account, if any checks are lost or stolen, if there is no overdraft protection plan in place and there are numerous returned unpaid items on an account, if misrepresentation or any other form of abuse of an account has occurred or to prevent a loss to the credit union. We may require the consent of all owners when terminating a multiple-party account. We are not responsible for unauthorized signaturesthe payment of any item after your account is terminated, alterations and forgerieshowever, you agree to examine your statement with reasonable promptness reimburse us for any other errorpaid item, loss, cost, or expense after such termination. You are responsible for examining each statement and reporting any irregularities to us. We will not may be responsible for any forged, altered, unauthorized denied service or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required membership for any reason to reimburse the federal government for all or any portion of allowed by applicable law, including causing a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability loss to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited credit union. You may terminate your credit union membership by law. We may also use any other legal remedy to recover the amount of our liabilitygiving us written notice.

Amendments and Termination. We may change our bylaws and any term of this agreement. Rules governing changes in interest rates are have been provided separately. For other changes, changes we will give you reasonable notice in writing or by any other method permitted by law. We may also close this account if your membership within the credit union terminates, or by giving at any time upon reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. STATEMENTS - You must examine your statement of account with “reasonable promptness.” If we you discover (or reasonably should have notified you of a change in discovered) any term of your account and you continue to have your account after the effective date of changeunauthorized payments or alterations, you must promptly notify us of the relevant facts. If you fail to do either of these duties, you will have agreed to either share the loss with us, or bear the loss entirely yourself (depending on whether we exercised ordinary care and, if not, whether we substantially contributed to the new term(sloss). In The loss could be not only with respect to items on the event that there is no owner who is a member with us on an account, you agree that we may close statement but other items forged or altered by the account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary for a joint accountsame wrongdoer. You agree that the time you have to examine your original check, when paid, becomes our property statement and may not be returned report to youus will depend on the circumstances, but copies may be retained by us and that such time will not, in any circumstance, exceed a total of 30 days from when the statement is first made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also further agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written report any unauthorized signatures, alterations, forgeries or orally. If you provide us with an oral notice we will require that you provide written confirmation any other errors in your account within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of when we make the mailing datestatement available, you cannot assert a claim against us on any items in that statement, and the loss will be entirely yours. This 60-60 day limitation is without regard to whether we used exercised ordinary care. If you fail The limitation in this paragraph is in addition to receive that contained in the first paragraph of this section. DIRECT DEPOSITS - If, in connection with a statement you agree direct deposit plan, we deposit any amount in this account which should have been returned to notify us within 14 days of the time you regularly receive a statement. If we are required Federal Government for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your accountreason, you authorize us to deduct the amount of our liability to the U.S. Federal Government from the this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT - If this option is selected, we may restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time. SET-OFF - You each agree that we may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal, to the extent of such persons’ or legal entity’s right to withdraw. If the debt arises from a note, “any due and payable debt” includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note. This right of set-off does not apply to this account if: (a) it is an Individual Retirement Account or other tax-deferred retirement account, or (b) the debt is created by a consumer credit transaction under a credit card plan, or (c) the debtor’s right of withdrawal arises only in a representative capacity. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. You agree to hold us harmless from any claim arising as a result of our exercise of our right of set-off. AUTHORIZED SIGNER (Individual Accounts Only) - An authorized signer is someone you designate to conduct transactions on your behalf, but does not have any ownership or rights at death unless named as a Revocable Trust beneficiary. The designation of an authorized signer does not create a power of attorney; therefore, the authorized signer is not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 66; Decedents. Estates and Fiduciaries Code). RESTRICTIVE LEGENDS - We are not required to honor any restrictive legend on checks you write unless we have agreed to the restriction in a writing signed by one of our officers. Examples of restrictive legends are “must be presented within 90 days” or “not valid for more than $1,000.” Grantor: Eastern Industries, Inc. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Lender: Team Capital Bank Bethlehem Office (▇▇▇)▇▇▇-▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ Bethlehem, PA 18020

Amendments and Termination. We may change our bylaws and any term of this agreement. Rules governing changes in interest rates are provided separatelyseparately in the Truth‐in‐Savings disclosure or in another document. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also close this account if your membership within in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity identity, or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s). In We reserve the event that there right to expel any member for non‐participation in the affairs of the credit union. “Non‐participation” is no owner who is defined as a member member’s failure to vote in the elections and failure to maintain any contact or conduct any business with us on an account, you agree that we may close the account and issue for a check for the balance period of the funds in the account twelve (as of the date at our election 12) months. STATEMENTS Your Duty to close the account) to any remaining nonmember account ownerReport Errors. You will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you, but copies may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to must examine your statement of account with "reasonable promptness for promptness." If you discover (or reasonably should have discovered) any other errorunauthorized signatures or alterations, you must promptly notify us of the relevant facts. You are responsible for examining each statement As between you and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify do either of these duties, you will have to either share the loss with us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of bear the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to loss entirely yourself (depending on whether we used ordinary carecare and, if not, whether we substantially contributed to the loss). If you fail The loss could be not only with respect to receive a items on the statement you agree to notify us within 14 days of but other items with unauthorized signatures or alterations by the time you regularly receive a statementsame wrongdoer. DIRECT DEPOSITS. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT. If this option is selected, this is a temporary account agreement. Each person who signs to open the account or has authority to make withdrawals (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future, restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

Amendments and Termination. We may change our bylaws and any term of this agreement. Rules governing changes in interest rates are provided separatelyseparately in the Truth‐in‐Savings disclosure or in another document. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also close this account if your membership within in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity identity, or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s). In We reserve the event that there right to expel any member for non‐participation in the affairs of the credit union. “Non‐participation” is no owner who is defined as a member member’s failure to vote in the elections and failure to maintain any contact or conduct any business with us on an account, you agree that we may close the account and issue for a check for the balance period of the funds in the account twelve (as of the date at our election 12) months. STATEMENTS Your Duty to close the account) to any remaining nonmember account ownerReport Errors. You will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you, but copies may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to must examine your statement of account with "reasonable promptness for promptness." If you discover (or reasonably should have discovered) any other errorunauthorized signatures or alterations, you must promptly notify us of the relevant facts. You are responsible for examining each statement As between you and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify do either of these duties, you will have to either share the loss with us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of bear the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to loss entirely yourself (depending on whether we used ordinary carecare and, if not, whether we substantially contributed to the loss). If you fail The loss could be not only with respect to receive a items on the statement you agree to notify us within 14 days of but other items with unauthorized signatures or alterations by the time you regularly receive a statementsame wrongdoer. DIRECT DEPOSITS. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT. If this option is selected, this is a temporary account agreement. Each person who signs to open the account or has authority to make withdrawals (except as indicated to the contrary) may transact business on this account.

Amendments and Termination. We may change our bylaws these Rules and Regulations and the Fee Schedule at any term of this agreementtime. Rules governing in interest rates are provided separatelyEither you or we may close your account at any time for any reason. For other changesIf we do, we will give mail you reasonable a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in writing Full,” and the like, whether on the front or by back, in any other method permitted by lawformat. We If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may close this account if your membership within the credit union terminates, or by giving reasonable notice make funds provisionally available to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be dishonored. When you close your accountpaid, you are responsible for leaving enough money in any loss that occurs if the account check is returned to cover us for any outstanding items and charges to be paid from the accountreason (e.g., because it is counterfeit). At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we Our employees cannot verify your identity promise that checks drawn on or we suspect fraudissued by other institutions, it might including cashier’s checks, will be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you noticepaid. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the balance presentation occurs after the expiration of the funds in the account (as of a stop payment order, We normally do not examine the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary on checks presented for a joint accountpayment. You agree that we are not required to identify stale dated checks or to seek your original check, when paid, becomes our property and may not be returned permission to you, but copies may be retained by us and made available upon pay them. Our policy is to make funds from your request. You agree that statements are made deposit available to you on the date they are mailed first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to youpay checks that you have written. You also agree that checks or copies thereof are made Funds for electronic direct deposits to your account will be available to you on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fifth business day after the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errorswe received them. The statement day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 P.M. for all branch locations, other than ▇▇▇▇▇▇▇. • ▇▇▇▇▇▇▇ ATM 5:00 P.M. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityfollowing business day.

Amendments and Termination. We may change our bylaws Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any term of this agreementtime. Rules governing in interest rates are provided separatelyEither you or we may close your account at any time for any reason. For other changesIf we do, we will give mail you reasonable a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000,” “Payment in writing Full,” and the like) whether on the front or by back, in any other method permitted by lawformat. We If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may close this account if your membership within the credit union terminates, or by giving reasonable notice make funds provisionally available to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be dishonored. When you close your accountpaid, you are responsible for leaving enough money in any loss that occurs if the account check is returned to cover us for any outstanding items and charges to be paid from the accountreason (e.g., because it is counterfeit). At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we Our employees cannot verify your identity promise that checks drawn on or we suspect fraudissued by other institutions, it might including cashier’s checks, will be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you noticepaid. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the balance presentation occurs after the expiration of the funds in the account (as of a stop payment order. We normally do not examine the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary on checks presented for a joint accountpayment. You agree that we are not required to identify stale dated checks or to seek your original check, when paid, becomes our property and may not be returned permission to you, but copies may be retained by us and made available upon pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your request. You agree that statements are made deposit available to you on the date they are mailed first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to youpay checks that you have written. You also agree that checks or copies thereof are made Funds from electronic direct deposits to your account will be available to you on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errorswe received them. The statement day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityfollowing business day.

Amendments and Termination. We may change our bylaws Personal and Business Banking Agreement and Disclosures and the Business Banking Fee Schedule at any term of this agreementtime. Rules governing in interest rates are provided separatelyEither you or we may close your account at any time for any reason. For other changesIf we do, we will give mail you reasonable a notice and a check for the final balance less any applicable fees. Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000,” “Payment in writing Full,” and the like) whether on the front or by back, in any other method permitted by lawformat. We If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. ▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇-▇▇▇-▇▇▇▇ 59 You should not use your account to cash checks for others who are not well known to you. Although we may close this account if your membership within the credit union terminates, or by giving reasonable notice make funds provisionally available to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be dishonored. When you close your accountpaid, you are responsible for leaving enough money in any loss that occurs if the account check is returned to cover us for any outstanding items and charges to be paid from the accountreason (e.g., because it is counterfeit). At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we Our employees cannot verify your identity promise that checks drawn on or we suspect fraudissued by other institutions, it might including cashier’s checks, will be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you noticepaid. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the balance presentation occurs after the expiration of the funds in the account (as of a stop payment order. We normally do not examine the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary on checks presented for a joint accountpayment. You agree that we are not required to identify stale dated checks or to seek your original check, when paid, becomes our property and may not be returned permission to you, but copies may be retained by us and made available upon pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your request. You agree that statements are made deposit available to you on the date they are mailed first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to youpay checks that you have written. You also agree that checks or copies thereof are made Funds from electronic direct deposits to your account will be available to you on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errorswe received them. The statement day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityfollowing business day.

Amendments and Termination. We may change this Agreement at any time in any manner we decide, subject to applicable law. Changes to this Agreement may include deletions, additions, and modifications we make at our bylaws and any term of this agreementsole discretion. Rules governing changes in interest rates are provided separatelyseparately in the Truth-in-Savings disclosure or in another document. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also suspend or close this account if your membership within the credit union terminates, or by giving reasonable notice to you at any time and tender of the account balance to you personally or by mail. Items or transactions presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items and charges or transactions to be paid from the account. At our optionWe will attempt to provide you reasonable notice of the account hold or closure. However, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change hold or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify keep us informed of any change in your current address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account to this Agreement and you continue to have your account after the effective date of the change, you have agreed to the new term(schange. DETERMINING YOUR ACCOUNT BALANCE: Your account balance is your “current balance” (also commonly referred to as the ledger balance or actual balance). In Your current balance is how much money is actually in your account at a particular point in time. We use the event current balance method to determine whether your account has enough money to pay for an item or transaction. An item or transaction is only considered “paid” when money is transferred out of your account. Our approval of an item or transaction is not the same as the payment of an item or transaction. STATEMENTS: Statements are a valuable tool to help prevent fraudulent or mistaken transfers. Your statement will show the transactions that there occurred in connection with your account during the statement period. Your statement will provide sufficient information for you to reasonably identify the items or transactions paid (item number, transaction, amount, and date of payment). You should keep a record of each item and transaction as it is no owner who is a member with us on an accountmade so that when we give you the information in the statement, you agree that we may close the will have a complete understanding of each transaction listed. ACCOUNT TRANSFER: This account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS: If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to you, but copies may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable Federal Government for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your accountreason, you authorize us to deduct the amount of our liability to the U.S. Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

Amendments and Termination. We may change our bylaws these Rules and Regulations and the Fee Schedule at any term of this agreementtime. Rules governing in interest rates are provided separatelyEither you or we may close your account at any time for any reason. For other changesIf we do, we will give mail you reasonable a notice and a check for the final balance less any applicable fees. 50 BUSINESS BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 51 Although we are not obligated to, we may pay or accept checks and other items bearing restrictions or notations (e.g., “Void after 6 months,” “Two Signatures Required,” “Void over $1,000.00,” “Payment in writing Full,” and the like) whether on the front or by back, in any other method permitted by lawformat. We If you cash or deposit an item or write a check with such a notation, you agree that it applies only between you and the payee or maker. The notation will have no effect on us, and you agree to accept responsibility for payment of the item. You should not use your account to cash checks for others who are not well known to you. Although we may close this account if your membership within the credit union terminates, or by giving reasonable notice make funds provisionally available to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may take steps to determine whether a check will be dishonored. When you close your accountpaid, you are responsible for leaving enough money in any loss that occurs if the account check is returned to cover us for any outstanding items and charges to be paid from the accountreason (e.g., because it is counterfeit). At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we Our employees cannot verify your identity promise that checks drawn on or we suspect fraudissued by other institutions, it might including cashier’s checks, will be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you noticepaid. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue pay or reject a check which is presented to us for payment more than six months after its date (a “stale dated” check), even if the balance presentation occurs after the expiration of the funds in the account (as of a stop payment order. We normally do not examine the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary on checks presented for a joint accountpayment. You agree that we are not required to identify stale dated checks or to seek your original check, when paid, becomes our property and may not be returned permission to you, but copies may be retained by us and made available upon pay them. FUNDS AVAILABILITY DISCLOSURE Our policy is to make funds from your request. You agree that statements are made deposit available to you on the date they are mailed first business day after the day we receive your deposit. At that time, you may withdraw your funds in cash, and we will use the funds to youpay checks that you have written. You also agree that checks or copies thereof are made Funds from electronic direct deposits to your account will be available to you on the day we received the deposit. Electronic funds transfers withdrawn from another financial institution that you initiated through Cambridge Trust Company may not be available until the fourth business day after the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errorswe received them. The statement day of deposit is considered the day a deposit is received by a teller on a business day we are open. Every day is a business day, except Saturdays, Sundays and legal holidays. Deposits made at ATMs after the specified time at the following locations may be considered to have been made on the next business day that we are open: • 2:00 p.m. for all banking office locations, other than ▇▇▇▇▇▇▇ Square, Cambridge, MA. • ▇▇▇▇▇▇▇ ATM 5:00 p.m. If you make a deposit at any time on a Saturday, Sunday or legal holiday, the day of deposit will be considered correct for all purposes and we will not be liable for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityfollowing business day.

Amendments and Termination. We may change our bylaws and any term of this agreementAgreement. Rules governing changes in interest rates are provided separatelyin a separate disclosure. For other changes, we will agree to provide you notice of any amendment (except an amendment benefitting you) at least thirty (30) calendar days, or a longer period if required by law, before that amendment becomes effective by mailing you notice of the amendment to the last address shown on our records, by delivering the notice electronically if you have agreed to receive such notices electronically, by making the notice available with the periodic statement of your Account (as applicable), by posting notice of the amendment in our offices, or by posting notice of the amendment on ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ (or any subsequent official Bank website) or on the Bank's mobile banking platform (if applicable). You agree that it is your responsibility to review the website periodically for any amendments or a subsequent version. We may, but are not required to give you reasonable notice if the amendment will be to your benefit. If there is more than one Account owner, we may send the notice of amendment to only one of you. By continuing to maintain your Account, conducting a transaction or obtaining services or products relating to this Agreement or your Account after the amendment becomes effective, you agree to the amendment or subsequent version of this Agreement. No amendment of this Agreement is enforceable against us unless it is signed by the Bank's general counsel. No practice or course of dealing in writing connection with the Account which is at variance with this Agreement shall constitute a waiver, modification, or by any other method permitted by lawamendment of this Agreement. We may also close this account if your membership within the credit union terminates, or by giving Account at any time upon reasonable notice to you and tender of the account Account balance personally or by mail. We do not have to give you any notice before we close your Account. Items presented for payment after the account Account is closed may be dishonored. When you close your accountAccount, you are responsible for leaving enough money in the account Account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreementAccount. Reasonable notice depends on the circumstances. In some cases, and in some cases such as when we cannot verify your identity or identity, we suspect fraud, we receive conflicting instructions from persons authorized to transact on the Account, or when we are otherwise compelled by law it might be reasonable for us to give you notice after your Account is closed or otherwise frozen. Termination of the change Account, whether by us or account closure becomes effectiveby you, does not relieve you of any obligation you may then owe us. For instanceWe may accept deposits to the Account after it has been closed in order to collect any deficit balance, and such acceptance will not constitute reinstatement of the Account. We may (but do not have to) mail you a check for the available balance in your Account, or you may pick up a check for the available balance at our office. Written notice that the Account has been closed and a check, if we suspect fraudulent activity with respect to your accountany, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us may be sent to any one of you address shown on our records for you, or if the Account is notice a joint Account, to all of youany Account owner to whom we elect to send it. If Once we have notified you of a change in any term of closed your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an accountAccount, you agree that we can: • refuse to honor any checks you have written or any other items which are presented to us for payment after we have closed your Account; • refuse to act as your agent to try to collect any check you have deposited in your Account or otherwise, honor or pay any check you have deposited to your closed Account, or to accept any automated deposit to your Account; or • assess any service charge otherwise applicable against any remaining balance in your Account. We are not responsible to you for any damages you may close suffer as a result of your Account being closed. If you attempt to make a deposit to an account we closed due to non-payment of an overdraft or otherwise, we may collect the account deposit and issue setoff your indebtedness to us and collect a check for service charge from the balance of the amount you deposited. Any funds in the account (as excess of the date at our election to close the account) to any remaining nonmember account owner. You $1.00 will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you. We reserve the right to refuse your request to close your Account, but copies for various reasons, including, for example, if your Account is not in good standing. If you intend to close your Account, you should notify us. Simply reducing your Account balance to $0.00 is insufficient notice and may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges result in additional fees charged to your account unless Account. If you notify us within the time limit. In addition to close your duty to review your statements for unauthorized signatures, alterations and forgeriesAccount, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forgedtransactions you initiated or authorized, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice including those that we will require that you provide written confirmation within 10 days of receive after the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation Account is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityclosed.

Amendments and Termination. We may change our bylaws and any term of this agreement. Rules governing changes in interest rates are provided separately. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership within in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally STATEMENTS – You must examine your statement of account with “reasonable promptness”. If you discover (or by mail. Items presented for payment after the account is closed may be dishonored. When you close your accountreasonably should have discovered) any unauthorized signatures or alterations, you are responsible for leaving enough money in must promptly notify us of the account to cover any outstanding items relevant facts. As between you and charges to be paid from the account. At our optionus, we may suspend your rights to member services if you violate fail to do either of these duties, you will have to either share the terms of this agreementloss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we contributed to the loss). Reasonable notice depends The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. You agree that the time you have to examine your statement and report to us will depend on the circumstances, and but will not, in some cases such as any circumstance, exceed a total of 30 days from when we cannot verify your identity the statement is first sent or we suspect fraud, it might be reasonable for us made available to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your ACCOUNT TRANSFER – This account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS – If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to you, but copies may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable Federal Government for any payment made or charges to your account unless you notify us within the time limit. In addition to your duty to review your statements for unauthorized signatures, alterations and forgeries, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forged, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your accountreason, you authorize us to deduct the amount of our liability to the U.S. Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. TEMPORARY ACCOUNT AGREEMENT – If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time. RIGHT TO REPAYMENT OF INDEBTEDNESS – YOU EACH AGREE THAT WE MAY (WITHOUT PRIOR NOTICE AND WHEN PERMITTED BY LAW) CHARGE AGAINST AND DEDUCT FROM THIS ACCOUNT ANY DUE AND PAYABLE DEBT OWED TO US NOW OR IN THE FUTURE, BY ANY OF YOU HAVING THE RIGHT OF WITHDRAWAL, TO THE EXTENT OF SUCH PERSONS’ OR LEAGL ENTITY’S RIGHT TO WITHDRAW. IF THE DEBT ARISES FROM A NOTE, “ANY DUE AND PAYABLE DEBT” INCLUDES THE TOTAL AMOUNT OF WHICH WE ARE ENTITLED TO DEMAND PAYMENT UNDER THE TERMS OF THE NOTE AT THE TIME WE CHARGE THE ACCOUNT, INCLUDING ANY BALANCE THE DUE DATE FOR WHICH WE PROPERLY ACCELERATE UNDER THE NOTE. RESTRICTIVE LEGENDS – We are not required to honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of restrictive legends are “must be presented within 90 days” or “not valid for more than $1,000.00”.

Amendments and Termination. We may change our bylaws and any term of this agreementAgreement. Rules governing changes in interest rates are provided separatelyin a separate disclosure. For other changes, we will agree to provide you notice of any amendment (except an amendment benefitting you) at least thirty (30) calendar days, or a longer period if required by law, before that amendment becomes effective by mailing you notice of the amendment to the last address shown on our records, by delivering the notice electronically if you have agreed to receive such notices electronically, by making the notice available with the periodic statement of your Account (as applicable), by posting notice of the amendment in our offices, or by posting notice of the amendment on ▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ (or any subsequent official Bank website) or on the Bank's mobile banking platform (if applicable). You agree that it is your responsibility to review the website periodically for any amendments or a subsequent version. We may, but are not required to give you reasonable notice if the amendment will be to your benefit. If there is more than one Account owner, we may send the notice of amendment to only one of you. By continuing to maintain your Account, conducting a transaction or obtaining services or products relating to this Agreement or your Account after the amendment becomes effective, you agree to the amendment or subsequent version of this Agreement. No amendment of this Agreement is enforceable against us unless it is signed by the Bank's general counsel. No practice or course of dealing in writing connection with the Account which is at variance with this Agreement shall constitute a waiver, modification, or by any other method permitted by lawamendment of this Agreement. We may also close this account if your membership within the credit union terminates, or by giving Account at any time upon reasonable notice to you and tender of the account Account balance personally or by mail. We do not have to give you any notice before we close your Account. Items presented for payment after the account Account is closed may be dishonored. When you close your accountAccount, you are responsible for leaving enough money in the account Account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreementAccount. Reasonable notice depends on the circumstances. In some cases, and in some cases such as when we cannot verify your identity or identity, we suspect fraud, we receive conflicting instructions from persons authorized to transact on the Account, or when we are otherwise compelled by law it might be reasonable for us to give you notice after your Account is closed or otherwise frozen. Termination of the change Account, whether by us or account closure becomes effectiveby you, does not relieve you of any obligation you may then owe us. For instanceWe may accept deposits to the Account after it has been closed in order to collect any deficit balance, and such acceptance will not constitute reinstatement of the Account. We may (but do not have to) mail you a check for the available balance in your Account, or you may pick up a check for the available balance at our office. Written notice that the Account has been closed and a check, if we suspect fraudulent activity with respect to your accountany, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us may be sent to any one of you address shown on our records for you, or if the Account is notice a joint Account, to all of youany Account owner to whom we elect to send it. If Once we have notified you of a change in any term of closed your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an accountAccount, you agree that we can: • refuse to honor any checks you have written or any other items which are presented to us for payment after we have closed your Account; • refuse to act as your agent to try to collect any check you have deposited in your Account or otherwise, honor or pay any check you have deposited to your closed Account, or to accept any automated deposit to your Account; or • assess any service charge otherwise applicable against any remaining balance in your Account. We are not responsible to you for any damages you may close suffer as a result of your Account being closed. If you attempt to make a deposit to an account we closed due to non-payment of an overdraft or otherwise, we may collect the account deposit and issue setoff your indebtedness to us and collect a check for service charge from the balance of the amount you deposited. Any funds in the account (as excess of the date at our election to close the account) to any remaining nonmember account owner. You $1.00 will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you. We reserve the right to refuse your request to close your Account, but copies for various reasons, including, for example, if your Account is not in good standing. If you intend to close your Account, you should notify us. Simply reducing your Account balance to $0.00 is insufficient notice and may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges result in additional fees charged to your account unless Account. If you notify us within the time limit. In addition to close your duty to review your statements for unauthorized signatures, alterations and forgeriesAccount, you agree to examine your statement with reasonable promptness for any other error. You are responsible for examining each statement and reporting any irregularities to us. We will not be responsible for any forgedtransactions you initiated or authorized, altered, unauthorized or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice including those that we will require that you provide written confirmation within 10 days of receive after the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation Account is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liabilityclosed.

Amendments and Termination. We Except when prohibited by applicable law, we may change our bylaws and any term alter the terms of this agreementagreement or our by-laws. Rules governing You will be notified of any changes in interest rates are provided separately. For other changesterms, we will give you reasonable notice in writing rates, or by any other method permitted fees as required by law. We may close reserve the right to waive any part of this account if your membership within the credit union terminates, or by giving reasonable notice agreement without affecting our right to you and tender of the account balance personally or by mailfuture enforcement. Items presented for payment after the account is closed may be dishonored. When you close your account, you You are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. At our option, we may suspend your rights to member services if you violate the terms of this agreement. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. You agree to notify us of any change in your address or your name at all times. We will attempt to communication with you only by use of the most recent address you have provided to us. Notice from us to any one of you is notice to all of you. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of change, you have agreed to the new term(s). In the event that there is no owner who is a member with us on an account, you agree that we may close the account and issue a check for the balance of the funds in the account (as of the date at our election to close the account) to any remaining nonmember account owner. You will receive a statement and you agree that only one statement is necessary for a joint account. You agree that your original check, when paid, becomes our property and may not be returned to you, but copies may be retained by us and made available upon your request. You agree that statements are made available to you on the date they are mailed to you. You also agree that checks or copies thereof are made available to you on the date the statement is mailed to you, even if the checks or copies do not accompany the statement. You agree that our retention of checks does not alter or waive your responsibility to examine your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes and we will not be liable for any payment made or charges changes to your account unless address or name. We are required only to attempt communication with you notify at the most recent address provided to us within the time limitby you. In addition We may accept oral notice of a change to your duty address, however, we may require other notice from you to review us. Any written notice given to us by you is effective upon us receiving it. Any written notice given to you by us is effective when it is mailed to you at your statements statement mailing address using the U.S. Mail. Notice given to any account owner however is considered given to all account owners. We reserve the right to terminate your account at any time without notice to you or we may require you to close your account and open a new account if there is a change in account ownership or signers, if a forgery or fraud is reported or committed against your account, if there is doubt as to the ownership of an account or funds in an account, if any share drafts are lost or stolen, if there is no overdraft protection plan in place and there are numerous returned unpaid items on an account, if misrepresentation or any other form of abuse of an account has occurred or to prevent a loss to the credit union. We may require the consent of all owners when terminating a multiple party account. We are not responsible for unauthorized signaturesthe payment of any item after your account is terminated, alterations and forgeries, however you agree to examine your statement with reasonable promptness reimburse us for any other errorpaid item, loss, cost or expense after such termination. You are responsible for examining each statement and reporting any irregularities to us. We will not may be responsible for any forged, altered, unauthorized denied service or unsigned items drawn on your account if you fail to notify us written or orally. If you provide us with an oral notice we will require that you provide written confirmation within 10 days of the oral notice. If you provide us with a written notice we must receive it no later than 60 days of the mailing date. This 60-day limitation is without regard to whether we used ordinary care. If you fail to receive a statement you agree to notify us within 14 days of the time you regularly receive a statement. If we are required membership for any reason allowed by applicable law, to reimburse the federal government for all or any portion of include causing a benefit payment that was directly deposited into your account, you authorize us to deduct the amount of our liability loss to the U.S. Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited credit union. You may terminate your credit union membership by law. We may also use any other legal remedy to recover the amount of our liabilitygiving us written notice.