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TABLE OF CONTENTSPage

TERMS AND CONDITIONS OF YOUR ACCOUNT ....................................2Membership Eligibility ...................................................................................2Important Account Opening Information .......................................................2Agreement ....................................................................................................2Bylaws ..........................................................................................................2Liability..........................................................................................................3Business Days ..............................................................................................3Deposits........................................................................................................3Withdrawals ..................................................................................................3Business, Organization and Association Accounts.......................................5Stop Payments .............................................................................................5Telephone Transfers.....................................................................................6Transfer Limitations ......................................................................................6Amendments and Termination......................................................................6Notices..........................................................................................................6Statements....................................................................................................7Account Transfer ..........................................................................................7Direct Deposits .............................................................................................7Right to Repayment of Indebtedness ...........................................................7Restrictive Legends or Endorsements..........................................................8Payment Order of Items................................................................................8What You Need to Know About Overdrafts and Overdraft Fees ..................8Pledges.........................................................................................................9Check Processing.........................................................................................9Check Cashing .............................................................................................9Fictitious Business Name Accounts..............................................................9Unclaimed Property Notice ...........................................................................9Facsimile Signatures ....................................................................................9Stale-Dated Checks......................................................................................9NCUA Insurance...........................................................................................9Endorsements.............................................................................................10Death or Incompetence ..............................................................................10Fiduciary Accounts .....................................................................................11Cash Transaction Reporting .......................................................................11Backup Withholding/TIN Certification .........................................................11Credit and Account Verification ..................................................................11Lost, Destroyed, or Stolen Certified,

Cashier’s, Official, or Teller’s Checks...................................................11Changing Account Products .......................................................................12Transactions by Mail...................................................................................12Legal Actions Affecting Your Account.........................................................12Check Storage and Copies.........................................................................12Truncation, Substitute Checks, and Other Check Images..........................12Remotely Created Checks..........................................................................13Security.......................................................................................................13Unlawful Internet Gambling Notice .............................................................13Telephonic Instructions...............................................................................14Monitoring and Recording Telephone Calls

and Consent to Receive Communications ...........................................14Claim of Loss ..............................................................................................14Early Withdrawal Penalties .........................................................................14Address or Name Changes ........................................................................14Resolving Account Disputes .......................................................................15Waiver of Notices........................................................................................15Fees and Damages ....................................................................................15International ACH Transactions..................................................................15Member Conduct Policy..............................................................................15Grounds for Expulsion ................................................................................15Funds Transfers..........................................................................................16ELECTRONIC SERVICES AVAILABLE....................................................18NOTICE OF ATM/NIGHT DEPOSIT

FACILITY USER PRECAUTIONS .......................................................20YOUR ABILITY TO WITHDRAW FUNDS..................................................21SPECIFIC ACCOUNT DETAILS................................................................23

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TERMS AND CONDITIONS

ELECTRONIC TRANSFERS

FUNDS AVAILABILITY

IMPORTANTACCOUNT INFORMATION

Business Master Disclosure

Effective November 15, 2017

TABLE OF CONTENTSPage

TERMS AND CONDITIONS OF YOUR ACCOUNT ....................................2Membership Eligibility ...................................................................................2Important Account Opening Information .......................................................2Agreement ....................................................................................................2Bylaws ..........................................................................................................2Liability..........................................................................................................3Business Days ..............................................................................................3Deposits........................................................................................................3Withdrawals ..................................................................................................3Business, Organization and Association Accounts.......................................5Stop Payments .............................................................................................5Telephone Transfers.....................................................................................6Transfer Limitations ......................................................................................6Amendments and Termination......................................................................6Notices..........................................................................................................6Statements....................................................................................................7Account Transfer ..........................................................................................7Direct Deposits .............................................................................................7Right to Repayment of Indebtedness ...........................................................7Restrictive Legends or Endorsements..........................................................8Payment Order of Items................................................................................8What You Need to Know About Overdrafts and Overdraft Fees ..................8Pledges.........................................................................................................9Check Processing.........................................................................................9Check Cashing .............................................................................................9Fictitious Business Name Accounts..............................................................9Unclaimed Property Notice ...........................................................................9Facsimile Signatures ....................................................................................9Stale-Dated Checks......................................................................................9NCUA Insurance...........................................................................................9Endorsements.............................................................................................10Death or Incompetence ..............................................................................10Fiduciary Accounts .....................................................................................11Cash Transaction Reporting .......................................................................11Backup Withholding/TIN Certification .........................................................11Credit and Account Verification ..................................................................11Lost, Destroyed, or Stolen Certified,

Cashier’s, Official, or Teller’s Checks...................................................11Changing Account Products .......................................................................12Transactions by Mail...................................................................................12Legal Actions Affecting Your Account.........................................................12Check Storage and Copies.........................................................................12Truncation, Substitute Checks, and Other Check Images..........................12Remotely Created Checks..........................................................................13Security.......................................................................................................13Unlawful Internet Gambling Notice .............................................................13Telephonic Instructions...............................................................................14Monitoring and Recording Telephone Calls

and Consent to Receive Communications ...........................................14Claim of Loss ..............................................................................................14Early Withdrawal Penalties .........................................................................14Address or Name Changes ........................................................................14Resolving Account Disputes .......................................................................15Waiver of Notices........................................................................................15Fees and Damages ....................................................................................15International ACH Transactions..................................................................15Member Conduct Policy..............................................................................15Grounds for Expulsion ................................................................................15Funds Transfers..........................................................................................16ELECTRONIC SERVICES AVAILABLE....................................................18NOTICE OF ATM/NIGHT DEPOSIT

FACILITY USER PRECAUTIONS .......................................................20YOUR ABILITY TO WITHDRAW FUNDS..................................................21SPECIFIC ACCOUNT DETAILS................................................................23

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TERMS AND CONDITIONS

ELECTRONIC TRANSFERS

FUNDS AVAILABILITY

IMPORTANTACCOUNT INFORMATION

Business Master Disclosure

Effective November 15, 2017

your written request to KeyPoint Credit Union, Executive Suite, 2805Bowers Ave., Santa Clara, CA 95051. Our right to require you to give usnotice of your intention to withdraw funds from your account is described inthe bylaws. Dividends are based on current earnings and availableearnings of the Credit Union, after providing for required reserves.LIABILITY - You agree, for yourself (and the person or entity you representif you sign as a representative of another) to the terms of this account andthe schedule of charges. You authorize us to deduct these charges, withoutnotice to you, directly from the account balance as accrued. You will payany additional reasonable charges for services you request which are notcovered by this agreement. Each of you also agrees to be jointly and severally (individually) liable forany account shortage resulting from charges or overdrafts, whether causedby you or another with access to this account. This liability is dueimmediately, and can be deducted directly from the account balancewhenever sufficient funds are available. You have no right to defer paymentof this liability, and you are liable regardless of whether you signed the itemor benefited from the charge or overdraft. You will be liable for our costs as well as for our reasonable attorneys’ fees,to the extent permitted by law, whether incurred as a result of collection orin any other dispute involving your account. This includes, but is not limitedto, disputes between you and another joint owner; you and an authorizedsigner or similar party; or a third party claiming an interest in your account.This also includes any action that you or a third party takes regarding theaccount that causes us, in good faith, to seek the advice of an attorney,whether or not we become involved in the dispute. All costs and attorneys’fees can be deducted from your account when they are incurred, withoutnotice to you.BUSINESS DAYS - KeyPoint Credit Union’s business days are Mondaythrough Friday, excluding Saturday, Sunday and Federal holidays, unlessspecifically defined differently within this agreement. KeyPoint’s Branchesmay be open and services offered on non-business days.DEPOSITS - We will give only provisional credit until collection is final forany items, other than cash, we accept for deposit (including items drawn“on us”). Before settlement of any item becomes final, we act only as youragent, regardless of the form of endorsement or lack of endorsement onthe item and even though we provide you provisional credit for the item. Wemay reverse any provisional credit for items that are lost, stolen, orreturned. Unless prohibited by law, we also reserve the right to charge backto your account the amount of any item deposited to your account orcashed for you which was initially paid by the payor bank and which is laterreturned to us due to an allegedly forged, unauthorized or missingendorsement, claim of alteration, encoding error or other problem which inour judgment justifies reversal of credit. You authorize us to attempt tocollect previously returned items without giving you notice, and inattempting to collect we may permit the payor bank to hold an item beyondthe midnight deadline. Actual credit for deposits of, or payable in, foreigncurrency will be at the exchange rate in effect on final collection in U.S.dollars. We are not responsible for transactions by mail or outsidedepository until we actually record them. We will treat and record alltransactions received after our “daily cutoff time” on a business day we areopen, or received on a day we are not open for business, as if initiated onthe next business day that we are open. At our option, we may take an itemfor collection rather than for deposit. We do not accept checks or draftspayable to third parties. Business accounts are not eligible for sharedbranching.WITHDRAWALS - Generally - Unless clearly indicated otherwise on the account records, anyof you, acting alone, who signs to open the account or has authority tomake withdrawals may withdraw or transfer all or any part of the accountbalance at any time. Each of you (until we receive written notice to thecontrary) authorizes each other person who signs or has authority to makewithdrawals to endorse any item payable to you or your order for deposit tothis account or any other transaction with us.Postdated checks - A postdated check is one which bears a date laterthan the date on which the check is written. We may properly pay andcharge your account for a postdated check even though payment was

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TERMS AND CONDITIONS OF YOUR ACCOUNT

MEMBERSHIP ELIGIBILITY - A business may be eligible to join this CreditUnion if the business is part of the common bond that makes up our field ofmembership. The principal business owner must also become a member.We do not offer accounts for Money Service Businesses, local agencies asdefined in California Government code Section 53630 - 53686, marijuanarelated businesses or cash intensive businesses. As of the printing of thishandbook, the following California communities are part of our field ofmembership: Alameda County, Contra Costa County, El Dorado, Placer,Sacramento County, San Mateo County, Santa Barbara County, SantaClara County and parts of Ventura County. In addition, a nonrefundable membership fee or a purchase of a CreditUnion share is required by the Credit Union’s bylaws. IMPORTANT ACCOUNT OPENING INFORMATION - Federal law requiresus to obtain sufficient information to verify your identity and also yourbusiness identity. You may be asked several questions and to provide twoor more forms of identification to fulfill this requirement. Additionaldocuments will be required to verify your business identity. In someinstances we may use outside sources to confirm the information. Theinformation you provide is protected by federal law.AGREEMENT - This document, along with any other documents we giveyou pertaining to your account(s), is a contract that establishes rules whichcontrol your account(s) with us. Please read this carefully and retain it forfuture reference. If you sign the signature card or open or continue to usethe account, you agree to these rules. You will receive a separate scheduleof rates, qualifying balances, and fees if they are not included in thisdocument. If you have any questions, please call us.This agreement is subject to applicable federal laws, the laws of the stateof California and other applicable rules such as the operating letters of theFederal Reserve Banks and payment processing system rules (except tothe extent that this agreement can and does vary such rules or laws). Thebody of state and federal law that governs our relationship with you,however, is too large and complex to be reproduced here. The purpose ofthis document is to:(1) summarize some laws that apply to common transactions;(2) establish rules to cover transactions or events which the law does not

regulate;(3) establish rules for certain transactions or events which the law

regulates but permits variation by agreement; and(4) give you disclosures of some of our policies to which you may be

entitled or in which you may be interested. If any provision of this document is found to be unenforceable according toits terms, all remaining provisions will continue in full force and effect. Wemay permit some variations from our standard agreement, but we mustagree to any variation in writing either on the signature card for youraccount or in some other document. Nothing in this document is intendedto vary our duty to act in good faith and with ordinary care when required bylaw.As used in this document the words “we,” “our,” and “us” mean KeyPointCredit Union and the words “you” and “your” mean the account holder(s)and anyone else with the authority to deposit, withdraw, or exercise controlover the funds in the account. However, this agreement does not intend,and the terms “you” and “your” should not be interpreted, to expand anindividual’s responsibility for an organization’s liability. If this account isowned by a corporation, partnership or other organization, individual liabilityis determined by the laws generally applicable to that type of organization.The headings in this document are for convenience or reference only andwill not govern the interpretation of the provisions. Unless it would beinconsistent to do so, words and phrases used in this document should beconstrued so the singular includes the plural and the plural includes thesingular. BYLAWS - Our bylaws, which we may amend from time to time, establishbasic rules about our Credit Union policies and operations which affect youraccount and membership. You may obtain a copy of the bylaws by sending

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made before the date of the check, unless we have received written noticeof the postdating in time to have a reasonable opportunity to act. Becausewe process checks mechanically, your notice will not be effective and wewill not be liable for failing to honor your notice unless it precisely identifiesthe number, date, amount and payee of the item.Checks and withdrawal rules - If you do not purchase your check blanksfrom us, you must be certain that we approve the check blanks youpurchase. We may refuse any withdrawal or transfer request which youattempt on forms not approved by us or by any method we do notspecifically permit. We may refuse any withdrawal or transfer request whichis greater in number than the frequency permitted, or which is for anamount greater or less than any withdrawal limitations. We will use the datethe transaction is completed by us (as opposed to the date you initiate it) toapply the frequency limitations. In addition, we may place limitations on theaccount until your identity is verified. Even if we honor a nonconforming request, we are not required to do solater. If you violate the stated transaction limitations (if any), in ourdiscretion we may close your account or reclassify it as a transactionaccount. If we reclassify your account, your account will be subject to thefees and earnings rules of the new account classification. If we are presented with an item drawn against your account that would bea “substitute check,” as defined by law, but for an error or defect in the itemintroduced in the substitute check creation process, you agree that we maypay such item. See the funds availability policy mentioned later in this disclosure forinformation about when you can withdraw funds you deposit. For thoseaccounts to which our funds availability policy disclosure does not apply,you can ask us when you make a deposit when those funds will beavailable for withdrawal. An item may be returned after the funds from thedeposit of that item are made available for withdrawal. In that case, we willreverse the credit of the item. We may determine the amount of availablefunds in your account for the purpose of deciding whether to return an itemfor insufficient funds at any time between the time we receive the item andwhen we return the item or send a notice in lieu of return. We need onlymake one determination, but if we choose to make a subsequentdetermination, the account balance at the subsequent time will determinewhether there are insufficient available funds.A temporary debit authorization hold affects your account balance -On debit card purchases, merchants may request a temporary hold onyour account for a specified sum of money, which may be more than theactual amount of your purchase. When this happens, our processingsystem cannot determine that the amount of the hold exceeds the actualamount of your purchase. This temporary hold, and the amount charged toyour account, will eventually be adjusted to the actual amount of yourpurchase, but it may be up to three days before the adjustment is made.Until the adjustment is made, the amount of funds in your accountavailable for other transactions will be reduced by the amount of thetemporary hold. If another transaction is presented for payment in anamount greater than the funds left after the deduction of the temporaryhold amount, that transaction will be a nonsufficient funds (NSF)transaction if we do not pay it or an overdraft transaction if we do pay it.You will be charged an NSF or overdraft fee according to our NSF oroverdraft fee policy. You will be charged the fee even if you would havehad sufficient funds in your account if the amount of the hold had beenequal to the amount of your purchase.Here is an example of how this can occur – You have $120 in youraccount. You swipe your card at the card reader on a gasoline pump. Sinceit is unclear what the final bill will be, the gas station’s processing systemimmediately requests a hold on your account in a specified amount, forexample, $80. Our processing system authorizes a temporary hold on youraccount in the amount of $80, and the gas station’s processing systemauthorizes you to begin pumping gas. You fill your tank and the amount ofgasoline you purchased is only $50. Our processing system shows that youhave $40 in your account available for other transactions ($120 - $80 =$40) even though you would have $70 in your account available for othertransactions if the amount of the temporary hold was equal to the amountof your purchase ($120 - $50 = $70). Later, another transaction you haveauthorized is presented for payment from your account in the amount of

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$60 (this could be a check you have written, another debit card transaction,an ACH debit or any other kind of payment request). This other transactionis presented before the amount of the temporary hold is adjusted to theamount of your purchase (remember, it may take up to three days for theadjustment to be made). Because the amount of this other transaction isgreater than the amount our processing system shows is available in youraccount, our payment of this transaction will result in an overdrafttransaction. Because the transaction overdraws your account by $20, youraccount will be assessed the overdraft fee according to our overdraft feepolicy. You will be charged this fee according to our policy even though youwould have had enough money in your account to cover the $60transaction if your account had only been debited the amount of yourpurchase rather than the amount of the temporary hold or if the temporaryhold had already been adjusted to the actual amount of your purchase.(Refer to our Fee Schedule/Disclosure)Overdrafts - You understand that we may, at our discretion, honorwithdrawal requests that overdraw your account. However, the fact that wemay honor withdrawal requests that overdraw the account balance doesnot obligate us to do so later. So you can NOT rely on us to pay overdraftson your account regardless of how frequently or under what circumstanceswe have paid overdrafts on your account in the past. We can change ourpractice of paying overdrafts on your account without notice to you. Youcan ask us if we have other account services that might be available to youwhere we commit to paying overdrafts under certain circumstances, suchas an overdraft protection line-of-credit or a plan to sweep funds fromanother account you have with us. You agree that we may charge fees foroverdrafts. For consumer accounts, we will not charge fees for overdraftscaused by ATM withdrawals or one-time debit card transactions if you havenot opted-in to that service. We may use subsequent deposits, includingdirect deposits of social security or other government benefits, to coversuch overdrafts and overdraft fees.Multiple signatures, electronic check conversion, and similartransactions - An electronic check conversion transaction is a transactionwhere a check or similar item is converted into an electronic fund transferas defined in the Electronic Fund Transfers regulation. In these types oftransactions the check or similar item is either removed from circulation(truncated) or given back to you. As a result, we have no opportunity toreview the check to examine the signatures on the item. You agree that, asto these or any items as to which we have no opportunity to examine thesignatures, you waive any requirement of signature verification.BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS -Earnings in the form of interest, dividends, or credits will be paid only oncollected funds, unless otherwise provided by law or our policy. Yourepresent that you have the authority to open and conduct business on thisaccount on behalf of the entity. We may require the governing body of theentity opening the account to give us a separate authorization telling uswho is authorized to act on its behalf. We will honor the authorization untilwe actually receive written notice of a change from the governing body ofthe entity.STOP PAYMENTS - Unless otherwise provided, the rules in this sectioncover stopping payment of items such as checks and drafts. Rules forstopping payment of other types of transfers of funds, such as consumerelectronic fund transfers, may be established by law or our policy. If wehave not disclosed these rules to you elsewhere, you may ask us aboutthose rules.We may accept an order to stop payment on any item from any one of you.You must make any stop-payment order in the manner required by law andwe must receive it in time to give us a reasonable opportunity to act on itbefore our stop-payment cutoff time. When you place your stop-paymentorder we will tell you what information we need to stop payment. Thisinformation must be exact since stop-payment orders are handled bycomputers. If your information is not exact your order will not be effectiveand we will not be responsible for failure to stop payment.You may stop payment on any item drawn on your account whether yousign the item or not. Generally, if your stop-payment order is given to us inwriting it is effective for twelve months. Your order will lapse after that timeif you do not renew the order in writing before the end of the twelve-monthperiod. If the original stop-payment order was oral your stop-payment order

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the United States Mail with proper postage and addressed to your mailingaddress we have on file. Notice to any of you is notice to all of you.STATEMENTS - Your duty to report unauthorized signatures,alterations and forgeries - You must examine your statement of accountwith “reasonable promptness.” If you discover (or reasonably should havediscovered) any unauthorized signatures or alterations, you must promptlynotify us of the relevant facts. As between you and us, if you fail to doeither of these duties, you will have to either share the loss with us, or bearthe loss entirely yourself (depending on whether we used ordinary careand, if not, whether we contributed to the loss). The loss could be not onlywith respect to items on the statement but other items with unauthorizedsignatures or alterations by the same wrongdoer. You agree that the time you have to examine your statement and report tous will depend on the circumstances, but will not, in any circumstance,exceed a total of 30 days from when the statement is first sent or madeavailable to you.You further agree that if you fail to report any unauthorized signatures,alterations or forgeries in your account within 60 days of when we first sendor make the statement available, you cannot assert a claim against us onany items in that statement, and as between you and us the loss will beentirely yours. This 60-day limitation is without regard to whether we usedordinary care. The limitation in this paragraph is in addition to thatcontained in the first paragraph of this section.Your duty to report other errors - In addition to your duty to review yourstatements for unauthorized signatures, alterations and forgeries, youagree to examine your statement with reasonable promptness for any othererror - such as an encoding error. In addition, if you receive or we makeavailable either your items or images of your items, you must examinethem for any unauthorized or missing endorsements or any other problems.You agree that the time you have to examine your statement and items andreport to us will depend on the circumstances. However, this time periodshall not exceed 60 days. Failure to examine your statement and items andreport any errors to us within 60 days of when we first send or make thestatement available precludes you from asserting a claim against us for anyerrors on items identified in that statement and as between you and us theloss will be entirely yours. ACCOUNT TRANSFER - This account may not be transferred or assignedwithout our prior written consent. DIRECT DEPOSITS - If we are required for any reason to reimburse thefederal government for all or any portion of a benefit payment that wasdirectly deposited into your account, you authorize us to deduct the amountof our liability to the federal government from the account or from any otheraccount you have with us, without prior notice and at any time, except asprohibited by law. We may also use any other legal remedy to recover theamount of our liability.RIGHT TO REPAYMENT OF INDEBTEDNESS - You each agree that wemay (without prior notice and when permitted by law) charge against anddeduct from this account any due and payable debt any of you owe us nowor in the future. If this account is owned by one or more of you asindividuals, we may set off any funds in the account against a due andpayable debt a partnership owes us now or in the future, to the extent ofyour liability as a partner for the partnership debt. If your debt arises from apromissory note, then the amount of the due and payable debt will be thefull amount we have demanded, as entitled under the terms of the note,and this amount may include any portion of the balance for which we haveproperly accelerated the due date. In addition to these contract rights, we may also have rights under a“statutory lien.” A “lien” on property is a creditor’s right to obtain ownershipof the property in the event a debtor defaults on a debt. A “statutory lien” isone created by federal or state statute. If federal or state law provides uswith a statutory lien, then we are authorized to apply, without prior notice,your shares and dividends to any debt you owe us, in accord with thestatutory lien.Neither our contract rights nor rights under a statutory lien apply to thisaccount if prohibited by law. For example, neither our contract rights norrights under a statutory lien apply to this account if: (a) it is an IndividualRetirement Account or similar tax-deferred account, or (b) the debt is

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may lapse after 14 calendar days if you do not confirm your order in writingwithin that time period. We are not obligated to notify you when a stop-payment order expires. A release of the stop-payment request may bemade only by the person who initiated the stop-payment order.If you stop payment on an item and we incur any damages or expensesbecause of the stop payment, you agree to indemnify us for those damagesor expenses, including attorneys’ fees. You assign to us all rights againstthe payee or any other holder of the item. You agree to cooperate with usin any legal actions that we may take against such persons. You should beaware that anyone holding the item may be entitled to enforce paymentagainst you despite the stop-payment order. Our stop-payment cutoff time is one hour after the opening of the nextbanking day after the banking day on which we receive the item. Additionallimitations on our obligation to stop payment are provided by law (e.g., wepaid the item in cash or we certified the item).TELEPHONE TRANSFERS - A telephone transfer of funds from youraccount to another account with us, if otherwise arranged for or permitted,may be made by the same persons and under the same conditionsgenerally applicable to withdrawals made in writing. Telephone Transferscan only be done between like-named accounts of the same businessentity. Unless a different limitation is disclosed in writing, we restrict thenumber of transfers from a savings account to another account or to thirdparties, to a maximum of six per month (less the number of “preauthorizedtransfers” during the month). Other account transfer restrictions may bedescribed elsewhere. In accordance with the USA PATRIOT Act, we willrequest identity verification.TRANSFER LIMITATIONS - For savings and money market accounts youmay make up to six transfers or withdrawals by means of a preauthorized,automatic, or telephonic transfer to another account of yours or to a thirdparty or by check, Visa debit card, ATM card, or similar order to a thirdparty during any calendar month (or statement cycle of at least four weeks).A preauthorized transfer includes any arrangement with us to pay a thirdparty from your account at (i) a predetermined time, (ii) on a fixed schedule,or (iii) upon oral or written orders including orders received through theAutomated Clearing House (ACH). If the transfer or withdrawal is initiatedin person, by mail, or at an ATM then there is no limit on the number ofpayments that may be made directly to you, directly to us for amounts youowe us, or transfers to other accounts you have with us. Withdrawals byphone are also unlimited if you are requesting that a check be mailed toyou.AMENDMENTS AND TERMINATION - We may change our bylaws andany term of this agreement. Rules governing changes in rates are providedseparately in the Truth-in-Savings disclosure or in another document. Forother changes we will give you reasonable notice in writing or by any othermethod permitted by law. We may close this account if your membership inthe Credit Union terminates, or by giving reasonable notice to you andtender of the account balance personally or by mail. Accounts that havehad a zero balance for a minimum of 180 days will be closed at our option.Items presented for payment after the account is closed may bedishonored. When you close your account, you are responsible for leavingenough money in the account to cover any outstanding items and chargesto be paid from the account. Reasonable notice depends on thecircumstances, and in some cases such as when we cannot verify youridentity or we suspect fraud, it might be reasonable for us to give you noticeafter the change or account closure becomes effective. For instance, if wesuspect fraudulent activity with respect to your account, we mightimmediately freeze or close your account and then give you notice. At ouroption, we may suspend your rights to member services if you violate theterms of this agreement. If we have notified you of a change in any term ofyour account and you continue to have your account after the effective dateof the change, you have agreed to the new term(s).NOTICES - Any written notice you give us is effective when we actuallyreceive it, and it must be given to us according to the specific deliveryinstructions provided elsewhere, if any. We must receive it in time to have areasonable opportunity to act on it. If the notice is regarding a check orother item, you must give us sufficient information to be able to identify thecheck or item, including the precise check or item number, amount, dateand payee. Written notice we give you is effective when it is deposited in

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What fees will I be charged if KeyPoint Credit Union pays myoverdraft? Under our standard overdraft practices:

• We will charge you a fee as disclosed in our Fee Disclosure eachtime we pay an overdraft on a transaction

• There is no limit on the total fees we can charge you foroverdrawing your account

What if I want KeyPoint Credit Union to authorize and pay overdraftson my ATM and everyday Visa debit card transactions? If you want us to authorize and pay overdrafts on ATM and everyday

Visa debit card transactions, call (888) 255-3637 or TTY (408) 731-4124.PLEDGES - Each owner of this account may pledge all or any part of thefunds in it for any purpose to which we agree. Any pledge of this accountmust first be satisfied before the rights of any surviving business accountowner become effective.CHECK PROCESSING - We process items mechanically by relying solelyon the information encoded in magnetic ink along the bottom of the items.This means that we do not individually examine all of your items todetermine if the item is properly completed, signed and endorsed or todetermine if it contains any information other than what is encoded inmagnetic ink. You agree that we have exercised ordinary care if ourautomated processing is consistent with general banking practice, eventhough we do not inspect each item. Because we do not inspect each item,if you write a check to multiple payees, we can properly pay the checkregardless of the number of endorsements unless you notify us in writingthat the check requires multiple endorsements. We must receive the noticein time for us to have a reasonable opportunity to act on it, and you must tellus the precise date of the check, amount, check number and payee. We arenot responsible for any unauthorized signature or alteration that would notbe identified by a reasonable inspection of the item. Using an automatedprocess helps us keep costs down for you and all account holders.CHECK CASHING - We may charge a fee for anyone that does not havean account with us who is cashing a check, draft or other instrument writtenon your account. We may also require reasonable identification to cashsuch a check, draft or other instrument. We can decide what identificationis reasonable under the circumstances and such identification may bedocumentary or physical and may include collecting a thumbprint orfingerprint. We reserve the right to not cash the check if we are unable tocontact you to verify issuance.FICTITIOUS BUSINESS NAME ACCOUNTS - If the name in which theaccount is held is fictitious, each account holder represents that one ormore of the account holders have the right to use that name and havefulfilled all legal requirements for using and or doing business under thatname. UNCLAIMED PROPERTY NOTICE - Your property may be transferred tothe appropriate state if no activity occurs in the account within the timeperiod specified by state law.FACSIMILE SIGNATURES - Unless you make advance arrangements withus, we have no obligation to honor facsimile signatures on your checks orother orders. If we do agree to honor items containing facsimile signatures,you authorize us, at any time, to charge you for all checks, drafts, or otherorders, for the payment of money, that are drawn on us. You give us thisauthority regardless of by whom or by what means the facsimilesignature(s) may have been affixed so long as they resemble the facsimilesignature specimen filed with us, and contain the required number ofsignatures for this purpose. You must notify us at once if you suspect thatyour facsimile signature is being or has been misused.STALE-DATED CHECKS - We are not obligated to, but may at our option,pay a check, other than a certified check, presented for payment more thansix months after its date. If you do not want us to pay a stale-dated check,you must place a stop-payment order on the check in the manner we havedescribed elsewhere. NCUA INSURANCE - Accounts at KeyPoint Credit Union are generallyinsured by the National Credit Union Administration (NCUA), a USGovernment Agency, for up to $250,000. Additional insurancecoverage may be available depending on the ownership structure of

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created by a consumer credit transaction under a credit card plan (but thisdoes not affect our rights under any consensual security interest), or (c) thedebtor’s right of withdrawal arises only in a representative capacity, or (d)setoff is prohibited by the Military Lending Act or its implementingregulations. We will not be liable for the dishonor of any check or draftwhen the dishonor occurs because we charge and deduct an amount youowe us from your account. You agree to hold us harmless from any claimarising as a result of our exercise of our right to repayment.RESTRICTIVE LEGENDS OR ENDORSEMENTS - The automatedprocessing of the large volume of checks we receive prevents us frominspecting or looking for restrictive legends, restrictive endorsements orother special instructions on every check. Examples of restrictive legendsplaced on checks are “must be presented within 90 days” or “not valid formore than $1,000” and “payment in full.” The payee’s signatureaccompanied by the words “for deposit only” is an example of a restrictiveendorsement. For this reason, we are not required to honor any restrictivelegend or endorsement or other special instruction placed on checks youwrite unless we have agreed in writing to the restriction or instruction.Unless we have agreed in writing, we are not responsible for any losses,claims, damages, or expenses that result from your placement of theserestrictions or instructions on your checks.PAYMENT ORDER OF ITEMS - The law permits us to pay items (such aschecks or drafts) drawn on your account in any order. To assist you inhandling your account with us, we are providing you with the followinginformation regarding how we process the items that you write. Whenprocessing items drawn on your account, our policy is to pay them in theorder that they are received. The order in which items are paid is importantif there is not enough money in your account to pay all of the items that arepresented. There is no policy that is favorable in every instance. If thesmallest items are paid first, you may have fewer NSF or overdraft fees, butthe largest, and perhaps more important items (such as rent or mortgagepayments) might not be paid. If an item is presented without sufficient fundsin your account to pay it, we may, at our discretion, pay the item (creatingan overdraft) or return the item (NSF). The amounts of the overdraft andNSF fees are disclosed elsewhere. By paying items in the order that wereceive them, we think our policy attains a reasonable balance betweenminimizing additional cost to you and paying your more important items.We encourage you to make careful records and practice good accountmanagement. This will help you to avoid writing checks or drafts withoutsufficient funds and incurring the resulting fees. WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS ANDOVERDRAFT FEESAn overdraft occurs when you do not have enough money in your accountto cover a transaction, but we pay it anyway. We can cover your overdraftsin two different ways: 1. We have standard overdraft practices that come with your account. 2. We also offer overdraft protection plans, such as a link to a savings

account, which may be less expensive than our standard overdraftpractices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.What are the standard overdraft practices that come with myaccount? We do authorize and pay overdrafts for the following types oftransactions:

• Checks and other transactions made using your checking accountnumber

• Automatic bill payments We do not authorize and pay overdrafts for the following types of

transactions unless you ask us to (see below):• ATM transactions• Everyday Visa debit card transactions

We pay overdrafts at our discretion, which means we do not guaranteethat we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will bedeclined.

8

What fees will I be charged if KeyPoint Credit Union pays myoverdraft? Under our standard overdraft practices:

• We will charge you a fee as disclosed in our Fee Disclosure eachtime we pay an overdraft on a transaction

• There is no limit on the total fees we can charge you foroverdrawing your account

What if I want KeyPoint Credit Union to authorize and pay overdraftson my ATM and everyday Visa debit card transactions? If you want us to authorize and pay overdrafts on ATM and everyday

Visa debit card transactions, call (888) 255-3637 or TTY (408) 731-4124.PLEDGES - Each owner of this account may pledge all or any part of thefunds in it for any purpose to which we agree. Any pledge of this accountmust first be satisfied before the rights of any surviving business accountowner become effective.CHECK PROCESSING - We process items mechanically by relying solelyon the information encoded in magnetic ink along the bottom of the items.This means that we do not individually examine all of your items todetermine if the item is properly completed, signed and endorsed or todetermine if it contains any information other than what is encoded inmagnetic ink. You agree that we have exercised ordinary care if ourautomated processing is consistent with general banking practice, eventhough we do not inspect each item. Because we do not inspect each item,if you write a check to multiple payees, we can properly pay the checkregardless of the number of endorsements unless you notify us in writingthat the check requires multiple endorsements. We must receive the noticein time for us to have a reasonable opportunity to act on it, and you must tellus the precise date of the check, amount, check number and payee. We arenot responsible for any unauthorized signature or alteration that would notbe identified by a reasonable inspection of the item. Using an automatedprocess helps us keep costs down for you and all account holders.CHECK CASHING - We may charge a fee for anyone that does not havean account with us who is cashing a check, draft or other instrument writtenon your account. We may also require reasonable identification to cashsuch a check, draft or other instrument. We can decide what identificationis reasonable under the circumstances and such identification may bedocumentary or physical and may include collecting a thumbprint orfingerprint. We reserve the right to not cash the check if we are unable tocontact you to verify issuance.FICTITIOUS BUSINESS NAME ACCOUNTS - If the name in which theaccount is held is fictitious, each account holder represents that one ormore of the account holders have the right to use that name and havefulfilled all legal requirements for using and or doing business under thatname. UNCLAIMED PROPERTY NOTICE - Your property may be transferred tothe appropriate state if no activity occurs in the account within the timeperiod specified by state law.FACSIMILE SIGNATURES - Unless you make advance arrangements withus, we have no obligation to honor facsimile signatures on your checks orother orders. If we do agree to honor items containing facsimile signatures,you authorize us, at any time, to charge you for all checks, drafts, or otherorders, for the payment of money, that are drawn on us. You give us thisauthority regardless of by whom or by what means the facsimilesignature(s) may have been affixed so long as they resemble the facsimilesignature specimen filed with us, and contain the required number ofsignatures for this purpose. You must notify us at once if you suspect thatyour facsimile signature is being or has been misused.STALE-DATED CHECKS - We are not obligated to, but may at our option,pay a check, other than a certified check, presented for payment more thansix months after its date. If you do not want us to pay a stale-dated check,you must place a stop-payment order on the check in the manner we havedescribed elsewhere. NCUA INSURANCE - Accounts at KeyPoint Credit Union are generallyinsured by the National Credit Union Administration (NCUA), a USGovernment Agency, for up to $250,000. Additional insurancecoverage may be available depending on the ownership structure of

9

created by a consumer credit transaction under a credit card plan (but thisdoes not affect our rights under any consensual security interest), or (c) thedebtor’s right of withdrawal arises only in a representative capacity, or (d)setoff is prohibited by the Military Lending Act or its implementingregulations. We will not be liable for the dishonor of any check or draftwhen the dishonor occurs because we charge and deduct an amount youowe us from your account. You agree to hold us harmless from any claimarising as a result of our exercise of our right to repayment.RESTRICTIVE LEGENDS OR ENDORSEMENTS - The automatedprocessing of the large volume of checks we receive prevents us frominspecting or looking for restrictive legends, restrictive endorsements orother special instructions on every check. Examples of restrictive legendsplaced on checks are “must be presented within 90 days” or “not valid formore than $1,000” and “payment in full.” The payee’s signatureaccompanied by the words “for deposit only” is an example of a restrictiveendorsement. For this reason, we are not required to honor any restrictivelegend or endorsement or other special instruction placed on checks youwrite unless we have agreed in writing to the restriction or instruction.Unless we have agreed in writing, we are not responsible for any losses,claims, damages, or expenses that result from your placement of theserestrictions or instructions on your checks.PAYMENT ORDER OF ITEMS - The law permits us to pay items (such aschecks or drafts) drawn on your account in any order. To assist you inhandling your account with us, we are providing you with the followinginformation regarding how we process the items that you write. Whenprocessing items drawn on your account, our policy is to pay them in theorder that they are received. The order in which items are paid is importantif there is not enough money in your account to pay all of the items that arepresented. There is no policy that is favorable in every instance. If thesmallest items are paid first, you may have fewer NSF or overdraft fees, butthe largest, and perhaps more important items (such as rent or mortgagepayments) might not be paid. If an item is presented without sufficient fundsin your account to pay it, we may, at our discretion, pay the item (creatingan overdraft) or return the item (NSF). The amounts of the overdraft andNSF fees are disclosed elsewhere. By paying items in the order that wereceive them, we think our policy attains a reasonable balance betweenminimizing additional cost to you and paying your more important items.We encourage you to make careful records and practice good accountmanagement. This will help you to avoid writing checks or drafts withoutsufficient funds and incurring the resulting fees. WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS ANDOVERDRAFT FEESAn overdraft occurs when you do not have enough money in your accountto cover a transaction, but we pay it anyway. We can cover your overdraftsin two different ways: 1. We have standard overdraft practices that come with your account. 2. We also offer overdraft protection plans, such as a link to a savings

account, which may be less expensive than our standard overdraftpractices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.What are the standard overdraft practices that come with myaccount? We do authorize and pay overdrafts for the following types oftransactions:

• Checks and other transactions made using your checking accountnumber

• Automatic bill payments We do not authorize and pay overdrafts for the following types of

transactions unless you ask us to (see below):• ATM transactions• Everyday Visa debit card transactions

We pay overdrafts at our discretion, which means we do not guaranteethat we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will bedeclined.

8

FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting ina fiduciary capacity. A fiduciary is someone who is appointed to act onbehalf of and for the benefit of another. We are not responsible for theactions of a fiduciary, including the misuse of funds. This account may beopened and maintained by a person or persons named as a trustee undera written trust agreement, or as executors, administrators, or conservatorsunder court orders. You understand that by merely opening such anaccount, we are not acting in the capacity of a trustee in connection withthe trust nor do we undertake any obligation to monitor or enforce the termsof the trust or letters.CASH TRANSACTION REPORTING - To help law enforcement agenciesdetect illegal activities, the law requires all financial institutions to gatherand report information on some types of cash transactions. If theinformation we need to complete the report is not provided, we are requiredto refuse to handle the transaction. If you have any questions regardingthese rules, please contact your local Internal Revenue Service office.BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requiresus to report interest payments we make to you of $10 or more in a year,and to include your taxpayer identification number (TIN) on the report.Interest includes dividends, interest and bonus payments for purposes ofthis rule. Bonus means a premium, gift, award, or other consideration worthmore than $10 (whether in the form of cash, credit, merchandise, or anyequivalent) given or offered to a member during a year in exchange foropening, maintaining, or renewing an account, or increasing an accountbalance. Therefore, we require you to provide us with your TIN and tocertify that it is correct. The TIN is either a social security number (SSN) oran employer identification number (EIN). For most organization or businessaccounts other than sole proprietorships, the appropriate TIN is the EIN ofthe organization or business entity. For sole proprietorships, either the SSNor the EIN is appropriate. However, we must supply the IRS with both theindividual owner’s name and the business name of the sole proprietorship. In some circumstances, federal law requires us to withhold and pay to theIRS a percentage of the interest that is earned on funds in your accounts.This is known as backup withholding. We will not have to withhold interestpayments when you open your account if you certify your TIN and certifythat you are not subject to backup withholding due to underreporting ofinterest. We may subsequently be required to begin backup withholding ifthe IRS informs us that you supplied an incorrect TIN or that youunderreported your interest income. If you do not have a TIN, we may deferbackup withholding if you certify that you do not have a TIN but haveapplied for one. However, we must begin backup withholding if you do notsupply us with a certified TIN within 60 days. If you do not have a TINbecause you are a foreign person (either an individual who is a nonresidentalien or a foreign organization) you must certify your foreign status. If youare an exempt payee (receiver of interest payments), you do not need tocertify your TIN, but you will have to certify your exempt status and supplyus with your TIN. The most common exempt payees are corporations,organizations exempt from tax under Section 501(a), and an individualretirement plan or a custodial account under Section 403(b)(7). If you donot supply us with the appropriate TIN, we may refuse to open youraccount.CREDIT AND ACCOUNT VERIFICATION - You agree that we may verifycredit and employment history by any necessary means, includingpreparation of a credit report by a credit reporting agency. You also agreethat KeyPoint Credit Union may obtain information about your accounthistory with other financial institutions from consumer reporting agencies aswell as other third parties as we deem necessary and consistent withapplicable laws. LOST, DESTROYED, OR STOLEN CERTIFIED, CASHIER’S, OFFICIAL,OR TELLER’S CHECKS - Under some circumstances you may be able toassert a claim for the amount of a lost, destroyed, or stolen certified,cashier’s, official or teller’s check. To assert the claim: (a) you must be theremitter (or drawer of a certified check) or payee of the check, (b) we mustreceive notice from you describing the check with reasonable certainty andasking for payment of the amount of the check, (c) we must receive thenotice in time for us to have a reasonable opportunity to act on it, and (d)you must give us a declaration (in a form we require) of your loss withrespect to the check. You can ask us for a declaration form. Even if all of

11

your account(s). Some checking accounts may have unlimited insurance. For more information please see the NCUA Publication, “NCUA Share Insurance and You.” You can pick up a copy of this publication at any of our branch locations or obtain a copy online at https://www.ncua.gov/legal/guidesetc/guidesmanuals/ncuashareinsuranceandyou.pdfENDORSEMENTS - We may accept for deposit any item payable to yourbusiness, even if they are not endorsed by you. We may supply anymissing endorsement(s) for any item we accept for deposit or collection,and you warrant that all endorsements are genuine.To ensure that your check or share draft is processed without delay, youmust endorse it (sign it on the back) in a specific area. Your entireendorsement (whether a signature or a stamp) along with any otherendorsement information (e.g. additional endorsements, ID information,driver’s license number, etc.) must fall within 11/2” of the “trailing edge” of acheck. Endorsements must be made in blue or black ink, so that they arereadable by automated check processing equipment.As you look at the front of a check, the “trailing edge” is the left edge. Whenyou flip the check over, be sure to keep all endorsement information within11/2” of that edge.

It is important that you confine the endorsement information to this areasince the remaining blank space will be used by others in the processing ofthe check to place additional needed endorsements and information. Youagree that you will indemnify, defend, and hold us harmless for any loss,liability, damage or expense that occurs because your endorsement,another endorsement or information you have printed on the back of thecheck obscures our endorsement.You are responsible for all items deposited to your accounts. You agree toensure that all payees of checks with legends that require endorsement ofall payees actually endorse such checks. If you attempt to deposit a checkthat does not include all required endorsements, or we question the viabilityof the check to be paid, we have the absolute right to refuse to accept thecheck for deposit.We do not accept items that have restrictive endorsements.These endorsement guidelines apply to both personal and business checks.DEATH OR INCOMPETENCE - You agree to notify us promptly if anyauthorized signer with a right to withdraw funds from your account(s) diesor is adjudicated (determined by the appropriate official) incompetent. Wemay continue to honor your checks, items, and instructions until: (a) weknow of your death or adjudication of incompetence, and (b) we have had areasonable opportunity to act on that knowledge. You agree that we maypay or certify checks drawn on or before the date of death or adjudicationof incompetence for up to ten (10) days after your death or adjudication ofincompetence unless ordered to stop payment by someone claiming aninterest in the account.

FRONT OF CHECK

Bank Nameand Location

�123456789� 7654

Pay to theorder of $

dollars

20NameAddress, City, State

7654

BACK OF CHECK

Memo

Keep your endorsementout of this area.

1 1/2"

TRAILING EDGE

YOUR ENDORSEMENT MUSTBE WITHIN THIS AREA

10

FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting ina fiduciary capacity. A fiduciary is someone who is appointed to act onbehalf of and for the benefit of another. We are not responsible for theactions of a fiduciary, including the misuse of funds. This account may beopened and maintained by a person or persons named as a trustee undera written trust agreement, or as executors, administrators, or conservatorsunder court orders. You understand that by merely opening such anaccount, we are not acting in the capacity of a trustee in connection withthe trust nor do we undertake any obligation to monitor or enforce the termsof the trust or letters.CASH TRANSACTION REPORTING - To help law enforcement agenciesdetect illegal activities, the law requires all financial institutions to gatherand report information on some types of cash transactions. If theinformation we need to complete the report is not provided, we are requiredto refuse to handle the transaction. If you have any questions regardingthese rules, please contact your local Internal Revenue Service office.BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requiresus to report interest payments we make to you of $10 or more in a year,and to include your taxpayer identification number (TIN) on the report.Interest includes dividends, interest and bonus payments for purposes ofthis rule. Bonus means a premium, gift, award, or other consideration worthmore than $10 (whether in the form of cash, credit, merchandise, or anyequivalent) given or offered to a member during a year in exchange foropening, maintaining, or renewing an account, or increasing an accountbalance. Therefore, we require you to provide us with your TIN and tocertify that it is correct. The TIN is either a social security number (SSN) oran employer identification number (EIN). For most organization or businessaccounts other than sole proprietorships, the appropriate TIN is the EIN ofthe organization or business entity. For sole proprietorships, either the SSNor the EIN is appropriate. However, we must supply the IRS with both theindividual owner’s name and the business name of the sole proprietorship. In some circumstances, federal law requires us to withhold and pay to theIRS a percentage of the interest that is earned on funds in your accounts.This is known as backup withholding. We will not have to withhold interestpayments when you open your account if you certify your TIN and certifythat you are not subject to backup withholding due to underreporting ofinterest. We may subsequently be required to begin backup withholding ifthe IRS informs us that you supplied an incorrect TIN or that youunderreported your interest income. If you do not have a TIN, we may deferbackup withholding if you certify that you do not have a TIN but haveapplied for one. However, we must begin backup withholding if you do notsupply us with a certified TIN within 60 days. If you do not have a TINbecause you are a foreign person (either an individual who is a nonresidentalien or a foreign organization) you must certify your foreign status. If youare an exempt payee (receiver of interest payments), you do not need tocertify your TIN, but you will have to certify your exempt status and supplyus with your TIN. The most common exempt payees are corporations,organizations exempt from tax under Section 501(a), and an individualretirement plan or a custodial account under Section 403(b)(7). If you donot supply us with the appropriate TIN, we may refuse to open youraccount.CREDIT AND ACCOUNT VERIFICATION - You agree that we may verifycredit and employment history by any necessary means, includingpreparation of a credit report by a credit reporting agency. You also agreethat KeyPoint Credit Union may obtain information about your accounthistory with other financial institutions from consumer reporting agencies aswell as other third parties as we deem necessary and consistent withapplicable laws. LOST, DESTROYED, OR STOLEN CERTIFIED, CASHIER’S, OFFICIAL,OR TELLER’S CHECKS - Under some circumstances you may be able toassert a claim for the amount of a lost, destroyed, or stolen certified,cashier’s, official or teller’s check. To assert the claim: (a) you must be theremitter (or drawer of a certified check) or payee of the check, (b) we mustreceive notice from you describing the check with reasonable certainty andasking for payment of the amount of the check, (c) we must receive thenotice in time for us to have a reasonable opportunity to act on it, and (d)you must give us a declaration (in a form we require) of your loss withrespect to the check. You can ask us for a declaration form. Even if all of

11

your account(s). Some checking accounts may have unlimited insurance. For more information please see the NCUA Publication, “NCUA Share Insurance and You.” You can pick up a copy of this publication at any of our branch locations or obtain a copy online at https://www.ncua.gov/legal/guidesetc/guidesmanuals/ncuashareinsuranceandyou.pdfENDORSEMENTS - We may accept for deposit any item payable to yourbusiness, even if they are not endorsed by you. We may supply anymissing endorsement(s) for any item we accept for deposit or collection,and you warrant that all endorsements are genuine.To ensure that your check or share draft is processed without delay, youmust endorse it (sign it on the back) in a specific area. Your entireendorsement (whether a signature or a stamp) along with any otherendorsement information (e.g. additional endorsements, ID information,driver’s license number, etc.) must fall within 11/2” of the “trailing edge” of acheck. Endorsements must be made in blue or black ink, so that they arereadable by automated check processing equipment.As you look at the front of a check, the “trailing edge” is the left edge. Whenyou flip the check over, be sure to keep all endorsement information within11/2” of that edge.

It is important that you confine the endorsement information to this areasince the remaining blank space will be used by others in the processing ofthe check to place additional needed endorsements and information. Youagree that you will indemnify, defend, and hold us harmless for any loss,liability, damage or expense that occurs because your endorsement,another endorsement or information you have printed on the back of thecheck obscures our endorsement.You are responsible for all items deposited to your accounts. You agree toensure that all payees of checks with legends that require endorsement ofall payees actually endorse such checks. If you attempt to deposit a checkthat does not include all required endorsements, or we question the viabilityof the check to be paid, we have the absolute right to refuse to accept thecheck for deposit.We do not accept items that have restrictive endorsements.These endorsement guidelines apply to both personal and business checks.DEATH OR INCOMPETENCE - You agree to notify us promptly if anyauthorized signer with a right to withdraw funds from your account(s) diesor is adjudicated (determined by the appropriate official) incompetent. Wemay continue to honor your checks, items, and instructions until: (a) weknow of your death or adjudication of incompetence, and (b) we have had areasonable opportunity to act on that knowledge. You agree that we maypay or certify checks drawn on or before the date of death or adjudicationof incompetence for up to ten (10) days after your death or adjudication ofincompetence unless ordered to stop payment by someone claiming aninterest in the account.

FRONT OF CHECK

Bank Nameand Location

�123456789� 7654

Pay to theorder of $

dollars

20NameAddress, City, State

7654

BACK OF CHECK

Memo

Keep your endorsementout of this area.

1 1/2"

TRAILING EDGE

YOUR ENDORSEMENT MUSTBE WITHIN THIS AREA

10

other financial institution in conformance with the Check 21 Act. Unlessspecifically stated in a separate agreement between you and us, we do nothave to accept any other electronic or paper image of an original check.REMOTELY CREATED CHECKS - Like any standard check or draft, aremotely created check (sometimes called a telecheck, preauthorized draftor demand draft) is a check or draft that can be used to withdraw moneyfrom an account. Unlike a typical check or draft, however, a remotelycreated check is not issued by the paying bank and does not contain thesignature of the account owner (or a signature purported to be thesignature of the account owner). In place of a signature, the check usuallyhas a statement that the owner authorized the check or has the owner’sname typed or printed on the signature line. You warrant and agree to the following for every remotely created checkwe receive from you for deposit or collection: (1) you have receivedexpress and verifiable authorization to create the check in the amount andto the payee that appears on the check; (2) you will maintain proof of theauthorization for at least 2 years from the date of the authorization, andsupply us the proof if we ask; and (3) if a check is returned you owe us theamount of the check, regardless of when the check is returned. We maytake funds from your account to pay the amount you owe us, and if thereare insufficient funds in your account, you still owe us the remainingbalance. SECURITY - It is your responsibility to protect the account number(s) andaccess device(s) (e.g., an ATM card, Visa debit card and/or PIN) for youraccount(s). Do not discuss, compare, or share information about youraccount number(s) or access device(s) with anyone unless you are willingto give them full use of your money. Checks and electronic withdrawals areprocessed by automated methods, and anyone who obtains your accountnumber or access device could use it to withdraw money from youraccount, with or without your permission. Except for consumer electronic funds transfers subject to Regulation E, youagree that if we offer you services appropriate for your account to helpidentify and limit fraud or other unauthorized transactions against youraccount, such as positive pay or commercially reasonable securityprocedures, and you reject those services, you will be responsible for anyfraudulent or unauthorized transactions which could have been preventedby the services we offered, unless we acted in bad faith or to the extent ournegligence contributed to the loss.Account numbers - Practice caution when providing your account numberto third parties. Thieves can encode your account number on a checkwhich looks and functions like an authorized check and can be used towithdraw money from your account. Your account number can also beused to issue a “remotely created check” as outlined earlier. A swindlercould issue a remotely created check on your account in an amount greaterthan you authorized, or issue additional checks or items that you have notauthorized. We will not know if the withdrawal is unauthorized or in anamount greater than the amount you have authorized using your accountnumber. Payment can be made from your account even though you did notcontact us directly and order the payment.Access devices - If you furnish your access device and grant actualauthority to make transfers to someone who then exceeds that authority,you will be liable for the transfers unless we have been notified thattransfers by that person are no longer authorized. Please review theadditional information you have received or will receive regarding transfersby access device.Blank checks - You must also take precaution in safeguarding your blankchecks. Notify us at once if you think your blank checks have been lost orstolen. As between you and us, if you are negligent in safeguarding yourchecks, you must bear the loss entirely yourself, or share the loss with us ifwe failed to use ordinary care which substantially contributes to the loss.UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions asdefined in Federal Reserve Regulation GG are prohibited from beingprocessed through this account or relationship. Restricted transactionsgenerally include, but are not limited to, those in which credit, electronicfund transfers, checks, or drafts are knowingly accepted by gamblingbusinesses in connection with the participation by others in unlawfulInternet gambling.

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these conditions are met, your claim may not be immediately enforceable.We may pay the check until the ninetieth day after the date of the check (ordate of acceptance of a certified check). Therefore, your claim is notenforceable until the ninetieth day after the date of the check or date ofacceptance, and the conditions listed above have been met. If we have notalready paid the check, on the day your claim is enforceable we becomeobligated to pay you the amount of the check. We will pay you in cash orissue another certified check.At our option, we may pay you the amount of the check before your claimbecomes enforceable. However, we will require you to agree to indemnifyus for any losses we might suffer. This means that if the check is presentedafter we pay your claim, and we pay the check, you are responsible tocover our losses. We may require you to provide a surety bond to assurethat you can pay us if we suffer a loss. CHANGING ACCOUNT PRODUCTS - We may change your account toanother product offered by us, or we may change the terms, rates andbenefits of your existing account, at any time by giving you notice that youraccount will be changed to another product, term, rate or have differentbenefits on a specified date. If your account is a time account, the changewill not occur before the next maturity date of your account. If you do notclose your account before the date specified in the notice, we may changeyour account to that other product, new term, rate or benefits on the datespecified in the notice.TRANSACTIONS BY MAIL - You may deposit checks by mail. You shouldendorse the check being sent through the mail with the words “For DepositOnly” and include the last 4 digits of your correct account numberunderneath to ensure the check is credited to the correct account. Youshould use the pre-encoded checking deposit slips found behind yourchecks in your checkbook. If you do not use your deposit slip or provide uswith instructions indicating how or where the check should be credited, wemay apply it to any account or any loan balance you have with us or wemay return the check to you. Receipts for such transactions will be mailedto you only if a self-addressed stamped envelope is provided. Followingyour deposit, examine your statement carefully or call us to ensure that wereceived the item. Do not send cash through the mail for deposit. Pleasemail your deposits to 2805 Bowers Ave., Santa Clara, CA 95051.LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served witha subpoena, restraining order, writ of attachment or execution, levy,garnishment, search warrant, or similar order relating to your account(termed “legal action” in this section), we will comply with that legal action.Or, in our discretion, we may freeze the assets in the account and not allowany payments out of the account until a final court determination regardingthe legal action. We may do these things even if the legal action involvesless than all of you. In these cases, we will not have any liability to you ifthere are insufficient funds to pay your items because we have withdrawnfunds from your account or in any way restricted access to your funds inaccordance with the legal action. Any fees or expenses we incur inresponding to any legal action (including, without limitation, attorneys’ feesand our internal expenses) may be charged against your account. The listof fees applicable to your account(s) provided elsewhere may specifyadditional fees that we may charge for certain legal actions.CHECK STORAGE AND COPIES - Unless otherwise provided in aseparate agreement, you agree that you will not receive your canceledchecks. We will store your canceled checks or copies of them for areasonable retention period. You may request copies from us in themanner we require.TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES -If you truncate an original check and create a substitute check, or otherpaper or electronic image of the original check, you warrant that no one willbe asked to make payment on the original check, a substitute check or anyother electronic or paper image, if the payment obligation relating to theoriginal check has already been paid. You also warrant that any substitutecheck you create conforms to the legal requirements and generallyaccepted specifications for substitute checks. You agree to retain theoriginal check in conformance with our internal policy for retaining originalchecks. You agree to indemnify us for any loss we may incur as a result ofany truncated check transaction you initiate. We can refuse to acceptsubstitute checks that have not previously been warranted by a bank or

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RESOLVING ACCOUNT DISPUTES - We may place an administrativehold on the funds in your account (refuse payment or withdrawal of thefunds) if it becomes subject to a claim adverse to (1) your own interest; (2)others claiming an interest as survivors or beneficiaries of your account; or(3) a claim arising by operation of law. The hold may be placed for suchperiod of time as we believe reasonably necessary to allow a legalproceeding to determine the merits of the claim or until we receiveevidence satisfactory to us that the dispute has been resolved. We will notbe liable for any items that are dishonored as a consequence of placing ahold on funds in your account for these reasons. WAIVER OF NOTICES - To the extent permitted by law, you waive anynotice of non-payment, dishonor or protest regarding any items credited toor charged against your account. For example, if you deposit a check and itis returned unpaid or we receive a notice of nonpayment, we do not have tonotify you unless required by federal Regulation CC or other law.FEES AND DAMAGES - Our charges for special handling of youraccounts are described in the Fee Disclosure. In some instances, feesresult from your failure to carry out your side of your agreements with us,such as not having enough money in your account to cover checks youwrite. To the extent that our charges for handling such matters mayexceed our costs, they are to be considered damages. Of course, we arenot giving up any right we may have under the law to recover any loss wesustain due to your failure to meet the terms of this handbook or otheragreements you have with us. The prevailing party has the right toattorneys' fees as awarded by the court in any lawsuit brought because ofa breach of the terms of this handbook or any other agreement you havewith the Credit Union. We also have the right to extra damages where thelaw provides for them, such as the exemplary damages provided as apenalty for writing bad checks.INTERNATIONAL ACH TRANSACTIONS - Financial institutions arerequired by law to scrutinize or verify any international ACH transaction(IAT) that they receive against the Specially Designated Nationals (SDN)list of the Office of Foreign Assets Control (OFAC). This action may, fromtime to time, cause us to temporarily suspend processing of an IAT andpotentially affect the settlement and/or availability of such payments.MEMBER CONDUCT POLICY - For the safety of our staff, volunteers andmembers and to provide all members with an outstanding financial serviceexperience, your Board has adopted a Member Conduct Policy. Allmembers, joint owners, joint obligators and authorized agents must complywith this policy. You agree to conduct your Credit Union business in a civiland businesslike way. You should expect quality service and attention fromus. We will not, however, tolerate verbal or physical harassment or abuseof our staff or volunteers or persons present at CU Service Center facilities,disruptive behavior, or violence or threat of violence. Any person carryingweapons, who are visibly intoxicated, or who otherwise behave indangerous or disruptive ways will be asked to leave the premises. Anybreach of the Member Conduct Policy may result in the breachingindividual being denied services, being denied access to KeyPoint CreditUnion facilities and CU Service Center facilities, or being expelled from theCredit Union.GROUNDS FOR EXPULSION - As a member-owned cooperative,KeyPoint Credit Union is your Credit Union. Members are expected touphold high standards of honesty, personal responsibility and courtesy indealing with the Credit Union, Credit Union Staff, Volunteers and otherMembers. We reserve the right to expel you from Credit Union membership if any ofthe following occur: (1) you fail to meet your obligations to the Credit Union;(2) you fail to comply with applicable law and the Credit Union's bylaws andrules as amended from time to time; (3) you are convicted of a crime inconnection with business you conduct with the Credit Union; (4) you aredirectly involved in any type of fraudulent activity against the Credit Union;(5) you cause the Credit Union a loss in any way including but not limited toloan charge-offs, unrestored account overdrafts, or bankruptcy; (6) welearn after establishing your membership that we relied on false informationin determining your eligibility; or (7) you fail to conduct your business withthe Credit Union in a civil and businesslike way. Violence, threats ofviolence, verbal or physical harassment against Credit Union staff,volunteers or other Members will not be tolerated.

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TELEPHONIC INSTRUCTIONS - Unless required by law or we haveagreed otherwise in writing, we are not required to act upon instructionsyou give us via facsimile transmission or leave by voice mail or on atelephone answering machine.MONITORING AND RECORDING TELEPHONE CALLS AND CONSENTTO RECEIVE COMMUNICATIONS - We may monitor or record phonecalls for security reasons, to maintain a record and to ensure that youreceive courteous and efficient service. You consent in advance to anysuch recording. We need not remind you of our recording before eachphone conversation.To provide you with the best possible service in our ongoing businessrelationship for your account we may need to contact you about youraccount from time to time by telephone, text messaging or email. However,we must first obtain your consent to contact you about your accountbecause we must comply with the consumer protection provisions in thefederal Telephone Consumer Protection Act of 1991 (TCPA), CAN-SPAMAct and their related federal regulations and orders issued by the FederalCommunications Commission (FCC).

• Your consent is limited to this account, and as authorized byapplicable law and regulations.

• Your consent does not authorize us to contact you for telemarketingpurposes (unless you otherwise agreed elsewhere).

With the above understandings, you authorize us to contact you regardingthis account throughout its existence using any telephone numbers or emailaddresses that you have previously provided to us or that you maysubsequently provide to us.This consent is regardless of whether the number we use to contact you isassigned to a landline, a paging service, a cellular wireless service, aspecialized mobile radio service, other radio common carrier service or anyother service for which you may be charged for the call. You furtherauthorize us to contact you through the use of voice, voice mail and textmessaging, including the use of pre-recorded or artificial voice messagesand an automated dialing device.If necessary, you may change or remove any of the telephone numbers oremail addresses at any time using any reasonable means to notify us.CLAIM OF LOSS - If you claim a credit or refund because of a forgery,alteration, or any other unauthorized withdrawal, you agree to cooperatewith us in the investigation of the loss, including giving us an affidavitcontaining whatever reasonable information we require concerning youraccount, the transaction, and the circumstances surrounding the loss. Youwill notify law enforcement authorities of any criminal act related to theclaim of lost, missing, or stolen checks or unauthorized withdrawals. Wewill have a reasonable period of time to investigate the facts andcircumstances surrounding any claim of loss. Unless we have acted in badfaith, we will not be liable for special or consequential damages, includingloss of profits or opportunity, or for attorneys’ fees incurred by you.You agree that you will not waive any rights you have to recover your lossagainst anyone who is obligated to repay, insure, or otherwise reimburseyou for your loss. You will pursue your rights or, at our option, assign themto us so that we may pursue them. Our liability will be reduced by theamount you recover or are entitled to recover from these other sources. EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - Wemay impose early withdrawal penalties on a withdrawal from a time accounteven if you do not initiate the withdrawal. For instance, the early withdrawalpenalty may be imposed if the withdrawal is caused by our setoff againstfunds in the account or as a result of an attachment or other legal process.We may close your account and impose the early withdrawal penalty on theentire account balance in the event of a partial early withdrawal. See yournotice of penalty for early withdrawals for additional information.ADDRESS OR NAME CHANGES - You are responsible for notifying us inwriting of any change in your business address or your mailing address.We will attempt to communicate with you only by use of the most recentaddress you have provided to us. We may impose a service fee if weattempt to locate you. If there is a change in your business, including aname change, you must visit a KeyPoint CU branch with requireddocumentation. Certain changes may require assignment of a new accountnumber to ensure compliance.

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Security procedure - As described more fully in a separate writing, theauthenticity of a payment order or communication canceling or amending apayment order issued in your name as sender may be verified by a securityprocedure. You affirm that you have no circumstances which are relevant tothe determination of a commercially reasonable security procedure unlessthose circumstances are expressly contained in a separate writing signed byus. You may choose from one or more security procedures that we havedeveloped, or you may develop your own security procedure if it isacceptable to us. If you refuse a commercially reasonable securityprocedure that we have offered you, you agree that you will be bound byany payment order issued in your name, whether or not authorized, that weaccept in good faith and in compliance with the security procedure you havechosen.Duty to report unauthorized or erroneous payment - You must exerciseordinary care to determine that all payment orders or amendments topayment orders that we accept that are issued in your name are authorized,enforceable, in the correct amount, to the correct beneficiary, and nototherwise erroneous. If you discover (or with reasonable care should havediscovered) an unauthorized, unenforceable, or erroneously executedpayment order or amendment, you must exercise ordinary care to notify usof the relevant facts. The time you have to notify us will depend on thecircumstances, but that time will not in any circumstance exceed 1 day fromwhen you are notified of our acceptance or execution of the payment orderor amendment or that your account was debited with respect to the order oramendment. If you do not provide us with timely notice you will not beentitled to interest on any refundable amount. If we can prove that you failedto perform either of these duties with respect to an erroneous payment andthat we incurred a loss as a result of the failure, you are liable to us for theamount of the loss not exceeding the amount of your order.Identifying number - If your payment order identifies an intermediate bank,beneficiary bank, or beneficiary by name and number, we and everyreceiving or beneficiary bank may rely upon the identifying number ratherthan the name to make payment, even if the number identifies anintermediate bank or person different than the bank or beneficiary identifiedby name. Neither we nor any receiving or beneficiary bank have anyresponsibility to determine whether the name and identifying number refer tothe same financial institution or person.Record of oral or telephone orders - You agree that we may, if wechoose, record any oral or telephone payment order or communication ofamendment or cancellation.Notice of credit - If we receive a payment order to credit an account youhave with us, we are not required to provide you with any notice of thepayment order or the credit.Provisional credit - You agree to be bound by the Automated ClearingHouse association operating rules that provide that payments made to youor originated by you by funds transfer through the Automated ClearingHouse system are provisional until final settlement is made through aFederal Reserve Bank or otherwise payment is made as provided in Article4A-403(a) of the Uniform Commercial Code.Refund of credit - You agree that if we do not receive payment of anamount credited to your account, we are entitled to a refund from you in theamount credited and the party originating such payment will not beconsidered to have paid the amount so credited.Amendment of funds transfer agreement - From time to time we mayamend any term of this agreement by giving you reasonable notice inwriting. We may give notice to anyone who is authorized to send paymentorders to us in your name, or to anyone who is authorized to accept service.Cancellation or amendment of payment order - You may cancel or amenda payment order you give us only if we receive the communication ofcancellation or amendment before our cutoff time and in time to have areasonable opportunity to act on it before we accept the payment order. Thecommunication of cancellation or amendment must be presented inconformity with the same security procedure that has been agreed to forpayment orders.Intermediaries - We are not liable for the actions of any intermediary,regardless of whether or not we selected the intermediary. We are notresponsible for acts of God, outside agencies, or nonsalaried agents.

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Any member who does not maintain a depository or loan relationship withthe Credit Union may be transferred to inactive status. Any member whohas been on inactive status for a period of twelve (12) consecutive monthsshall forthwith cease to be a member and shall no longer be entitled to anyrights or privileges of a member. You may resign or withdraw yourmembership at any time. Neither termination of your membership by you or by us, nor our imposingour expulsion policy, will relieve you of obligations that you incurred prior totermination of your membership or expulsion. FUNDS TRANSFERS - The terms used in this section have the meaninggiven to them in Article 4A of the Uniform Commercial Code - FundsTransfers (UCC 4A). This section will generally not apply to you if you are aconsumer. However, even if you are a consumer, this section will apply tothat part of any funds transfer that is conducted by Fedwire. This section issubject to UCC 4A as adopted in the state in which you have your depositwith us. This agreement is also subject to all clearing house associationrules, rules of the Board of Governors of the Federal Reserve System andtheir operating circulars. If any part of this agreement is determined to beunenforceable, the rest of the agreement remains effective. This agreementcontrols funds transfers unless supplemented or amended in a separatewritten agreement signed by us. This agreement does not apply to a fundstransfer if any part of the transfer is governed by the Electronic FundsTransfer Act of 1978 (EFTA), except this agreement does apply to a fundstransfer that is a remittance transfer as defined in EFTA unless theremittance transfer is an electronic fund transfer as defined in EFTA.Funds transfer - A funds transfer is the transaction or series oftransactions that begin with the originator’s payment order, made for thepurpose of making payment to the beneficiary of the order. A funds transferis completed by the acceptance by the beneficiary’s bank of a paymentorder for the benefit of the beneficiary of the originator’s order. You maygive us a payment order orally, electronically, or in writing, but your ordercannot state any condition to payment to the beneficiary other than the timeof payment. Credit entries may be made by ACH.Authorized account - An authorized account is a deposit account youhave with us that you have designated as a source of payment of paymentorders you issue to us. If you have not designated an authorized account,any account you have with us is an authorized account to the extent thatpayment of the payment order is not inconsistent with the use of theaccount.Acceptance of your payment order - We are not obligated to accept anypayment order that you give us, although we normally will accept yourpayment order if you have a withdrawable credit in an authorized accountsufficient to cover the order. If we do not execute your payment order, butgive you notice of our rejection of your payment order after the executiondate or give you no notice, we are not liable to pay you as restitution anyinterest on a withdrawable credit in a non-interest-bearing account.Cutoff time - If we do not receive your payment order or communicationcanceling or amending a payment order before our cutoff time on a fundstransfer day for that type of order or communication, the order orcommunication will be deemed to be received at the opening of our nextfunds transfer business day.Payment of your order - If we accept a payment order you give us, wemay receive payment by automatically deducting from any authorizedaccount the amount of the payment order plus the amount of any expensesand charges for our services in execution of your payment order. We areentitled to payment on the payment or execution date. Unless yourpayment order specifies otherwise, the payment or execution date is thefunds transfer date we receive the payment order. The funds transfer iscompleted upon acceptance by the beneficiary’s bank. Your obligation topay your payment order is excused if the funds transfer is not completed,but you are still responsible to pay us any expenses and charges for ourservices. However, if you told us to route the funds transfer through anintermediate bank, and we are unable to obtain a refund because theintermediate bank that you designated has suspended payments, then youare still obligated to pay us for the payment order. You will not be entitled tointerest on any refund you receive because the intermediary bank or thebeneficiary’s bank does not accept the payment order.

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Security procedure - As described more fully in a separate writing, theauthenticity of a payment order or communication canceling or amending apayment order issued in your name as sender may be verified by a securityprocedure. You affirm that you have no circumstances which are relevant tothe determination of a commercially reasonable security procedure unlessthose circumstances are expressly contained in a separate writing signed byus. You may choose from one or more security procedures that we havedeveloped, or you may develop your own security procedure if it isacceptable to us. If you refuse a commercially reasonable securityprocedure that we have offered you, you agree that you will be bound byany payment order issued in your name, whether or not authorized, that weaccept in good faith and in compliance with the security procedure you havechosen.Duty to report unauthorized or erroneous payment - You must exerciseordinary care to determine that all payment orders or amendments topayment orders that we accept that are issued in your name are authorized,enforceable, in the correct amount, to the correct beneficiary, and nototherwise erroneous. If you discover (or with reasonable care should havediscovered) an unauthorized, unenforceable, or erroneously executedpayment order or amendment, you must exercise ordinary care to notify usof the relevant facts. The time you have to notify us will depend on thecircumstances, but that time will not in any circumstance exceed 1 day fromwhen you are notified of our acceptance or execution of the payment orderor amendment or that your account was debited with respect to the order oramendment. If you do not provide us with timely notice you will not beentitled to interest on any refundable amount. If we can prove that you failedto perform either of these duties with respect to an erroneous payment andthat we incurred a loss as a result of the failure, you are liable to us for theamount of the loss not exceeding the amount of your order.Identifying number - If your payment order identifies an intermediate bank,beneficiary bank, or beneficiary by name and number, we and everyreceiving or beneficiary bank may rely upon the identifying number ratherthan the name to make payment, even if the number identifies anintermediate bank or person different than the bank or beneficiary identifiedby name. Neither we nor any receiving or beneficiary bank have anyresponsibility to determine whether the name and identifying number refer tothe same financial institution or person.Record of oral or telephone orders - You agree that we may, if wechoose, record any oral or telephone payment order or communication ofamendment or cancellation.Notice of credit - If we receive a payment order to credit an account youhave with us, we are not required to provide you with any notice of thepayment order or the credit.Provisional credit - You agree to be bound by the Automated ClearingHouse association operating rules that provide that payments made to youor originated by you by funds transfer through the Automated ClearingHouse system are provisional until final settlement is made through aFederal Reserve Bank or otherwise payment is made as provided in Article4A-403(a) of the Uniform Commercial Code.Refund of credit - You agree that if we do not receive payment of anamount credited to your account, we are entitled to a refund from you in theamount credited and the party originating such payment will not beconsidered to have paid the amount so credited.Amendment of funds transfer agreement - From time to time we mayamend any term of this agreement by giving you reasonable notice inwriting. We may give notice to anyone who is authorized to send paymentorders to us in your name, or to anyone who is authorized to accept service.Cancellation or amendment of payment order - You may cancel or amenda payment order you give us only if we receive the communication ofcancellation or amendment before our cutoff time and in time to have areasonable opportunity to act on it before we accept the payment order. Thecommunication of cancellation or amendment must be presented inconformity with the same security procedure that has been agreed to forpayment orders.Intermediaries - We are not liable for the actions of any intermediary,regardless of whether or not we selected the intermediary. We are notresponsible for acts of God, outside agencies, or nonsalaried agents.

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Any member who does not maintain a depository or loan relationship withthe Credit Union may be transferred to inactive status. Any member whohas been on inactive status for a period of twelve (12) consecutive monthsshall forthwith cease to be a member and shall no longer be entitled to anyrights or privileges of a member. You may resign or withdraw yourmembership at any time. Neither termination of your membership by you or by us, nor our imposingour expulsion policy, will relieve you of obligations that you incurred prior totermination of your membership or expulsion. FUNDS TRANSFERS - The terms used in this section have the meaninggiven to them in Article 4A of the Uniform Commercial Code - FundsTransfers (UCC 4A). This section will generally not apply to you if you are aconsumer. However, even if you are a consumer, this section will apply tothat part of any funds transfer that is conducted by Fedwire. This section issubject to UCC 4A as adopted in the state in which you have your depositwith us. This agreement is also subject to all clearing house associationrules, rules of the Board of Governors of the Federal Reserve System andtheir operating circulars. If any part of this agreement is determined to beunenforceable, the rest of the agreement remains effective. This agreementcontrols funds transfers unless supplemented or amended in a separatewritten agreement signed by us. This agreement does not apply to a fundstransfer if any part of the transfer is governed by the Electronic FundsTransfer Act of 1978 (EFTA), except this agreement does apply to a fundstransfer that is a remittance transfer as defined in EFTA unless theremittance transfer is an electronic fund transfer as defined in EFTA.Funds transfer - A funds transfer is the transaction or series oftransactions that begin with the originator’s payment order, made for thepurpose of making payment to the beneficiary of the order. A funds transferis completed by the acceptance by the beneficiary’s bank of a paymentorder for the benefit of the beneficiary of the originator’s order. You maygive us a payment order orally, electronically, or in writing, but your ordercannot state any condition to payment to the beneficiary other than the timeof payment. Credit entries may be made by ACH.Authorized account - An authorized account is a deposit account youhave with us that you have designated as a source of payment of paymentorders you issue to us. If you have not designated an authorized account,any account you have with us is an authorized account to the extent thatpayment of the payment order is not inconsistent with the use of theaccount.Acceptance of your payment order - We are not obligated to accept anypayment order that you give us, although we normally will accept yourpayment order if you have a withdrawable credit in an authorized accountsufficient to cover the order. If we do not execute your payment order, butgive you notice of our rejection of your payment order after the executiondate or give you no notice, we are not liable to pay you as restitution anyinterest on a withdrawable credit in a non-interest-bearing account.Cutoff time - If we do not receive your payment order or communicationcanceling or amending a payment order before our cutoff time on a fundstransfer day for that type of order or communication, the order orcommunication will be deemed to be received at the opening of our nextfunds transfer business day.Payment of your order - If we accept a payment order you give us, wemay receive payment by automatically deducting from any authorizedaccount the amount of the payment order plus the amount of any expensesand charges for our services in execution of your payment order. We areentitled to payment on the payment or execution date. Unless yourpayment order specifies otherwise, the payment or execution date is thefunds transfer date we receive the payment order. The funds transfer iscompleted upon acceptance by the beneficiary’s bank. Your obligation topay your payment order is excused if the funds transfer is not completed,but you are still responsible to pay us any expenses and charges for ourservices. However, if you told us to route the funds transfer through anintermediate bank, and we are unable to obtain a refund because theintermediate bank that you designated has suspended payments, then youare still obligated to pay us for the payment order. You will not be entitled tointerest on any refund you receive because the intermediary bank or thebeneficiary’s bank does not accept the payment order.

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currency conversion rate used to determine the transaction amount in USdollars is either a rate selected by Visa from the range of rates available inwholesale currency markets for the applicable central processing date,which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. Theconversion rate in effect on the processing date may differ from the rate ineffect on the transaction date or posting date.The fee we may charge you for international transactions/currencyconversions is disclosed on our separate fee schedule. An internationaltransaction is a transaction where the country of the merchant is outsidethe USA. If KeyPoint Credit Union receives an adjustment for a transactionoriginated in a foreign currency, the cardholder/member agrees to acceptthe actual amount of the adjustment as a final, complete adjustment.Non-Visa Debit Transaction Processing. We have enabled non-Visadebit transaction processing. This means you may use your Visa debit cardon a PIN-Debit Network* (a non-Visa network) without using a PIN.The non-Visa debit network(s) for which such transactions are enabled are:STAR Network. Examples of the types of actions that you may be requiredto make to initiate a Visa transaction on your Visa®-branded Debit Cardinclude signing a receipt, providing a card number over the phone or via theInternet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate atransaction on the STAR Network include initiating a payment directly withthe biller, possibly via telephone, Internet, or kiosk locations. STARNetwork billers are required to display the STAR logo. STAR Networkbillers must also allow you to choose how your payment is directed. Thus,you could see the STAR logo and choose to direct your payment throughthe STAR Network. In addition, STAR Bill Payments are not authenticatedwith a PIN; instead the biller authenticates your identity using knowninformation derived from an existing relationship with you.The provisions of your agreement with us relating only to Visa transactionsare not applicable to non-Visa transactions. For example, the additionallimits on liability (sometimes referred to as Visa's zero-liability policy) andthe streamlined error resolution procedures offered on Visa debit cardtransactions are not applicable to transactions processed on a PIN-DebitNetwork. *Visa Rules generally define PIN-Debit Network as a non-Visa debit networkthat typically authenticates transactions by use of a personal identificationnumber (PIN) but that is not generally known for having a card program.Online Banking Transfers - types of transfers - You may access youraccount(s) by computer through the internet by logging onto our website athttps://www.kpcu.com and using your online credentials and multifactorauthentication, to:

• transfer funds between checking, savings, and money marketaccount(s)

• transfer funds from line of credit to checking, savings, or moneymarket account(s)

• make payments from checking, savings, or money market to loanaccount(s) with us

• make payments from checking to third parties• get information about:

- the account balance of checking, savings, or money marketaccount(s)

- deposits to checking, savings, or money market account(s)- withdrawals from checking, savings, or money market accounts

Mobile Banking Transfers - types of transfers - You may access youraccount(s) using a mobile device by any of the following methods:

• Downloading Mobile Banking Apps to your smart phone or tablet andlogging in with your online credentials or touch-ID and multifactorauthentication

• Web Browser Banking - Using your cell phone’s browser athttps://online.kpcu.com and logging in with your online credentialsand multifactor authentication

• SMS Text Banking by registering your cell phone number throughOnline Banking

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Limit on liability - You waive any claim you may have against us forconsequential or special damages, including loss of profit arising out of apayment order or funds transfer, unless this waiver is prohibited by law. Weare not responsible for attorney fees you might incur due to erroneousexecution of payment order.Erroneous execution - If we receive an order to pay you, and weerroneously pay you more than the amount of the payment order, we areentitled to recover from you the amount in excess of the amount of thepayment order, regardless of whether you may have some claim to theexcess amount against the originator of the order.Objection to payment - If we give you a notice that reasonably identifies apayment order issued in your name as sender that we have accepted andreceived payment for, you cannot claim that we are not entitled to retain thepayment unless you notify us of your objection to the payment within oneyear of our notice to you.

—————————————ELECTRONIC SERVICES AVAILABLE

Telephone Banking Transfers - types of transfers - You may accessyour account by telephone 24 hours a day using your personalidentification number, a touch tone phone, and your account numbers, to:



• make payments from checking, savings, or money market account(s)to loan accounts with us

• get information about:- the account balance of checking, savings, or money market

account(s)- deposits to checking, savings, or money market account(s)- withdrawals from checking, savings, or money market account(s)

ATM Transfers - types of transfers, dollar limitations, and charges -You may access your account(s) by ATM using your ATM card andpersonal identification number or Visa debit card and personal identificationnumber, to:

• make deposits to checking or savings account(s)• get cash withdrawals from checking or savings account(s)

- a daily ATM withdrawal limit applies- fees may be assessed for using non-KeyPoint Credit Union ATMs

(refer to separate Fee Disclosure)• transfer funds from savings to checking account(s)• transfer funds from checking to savings account(s)• get information about:

- the account balance of your checking or savings account(s)Some of these services may not be available at all terminals.Types of ATM Card Point-of-Sale Transactions - You may access yourchecking account(s) to purchase goods (in person), pay for services (inperson), and get cash from a merchant, if the merchant permits, or from aparticipating financial institution.Point-of-Sale Transactions - dollar limitations - Using your card:

• daily Point-of-Sale limits apply.Types of Debit Card Point-of-Sale Transactions - You may access yourchecking account(s) to purchase goods (in person, online, or by phone),pay for services (in person, online, or by phone), get cash from a merchant,if the merchant permits, or from a participating financial institution, and doanything that a participating merchant will accept.Point-of-Sale Transactions - dollar limitations - Using your card:

• daily Point-of-Sale limits apply. Currency Conversion and International Transactions. When you useyour Visa debit card at a merchant that settles in currency other than USdollars, the charge will be converted into the US dollar amount. The

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currency conversion rate used to determine the transaction amount in USdollars is either a rate selected by Visa from the range of rates available inwholesale currency markets for the applicable central processing date,which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. Theconversion rate in effect on the processing date may differ from the rate ineffect on the transaction date or posting date.The fee we may charge you for international transactions/currencyconversions is disclosed on our separate fee schedule. An internationaltransaction is a transaction where the country of the merchant is outsidethe USA. If KeyPoint Credit Union receives an adjustment for a transactionoriginated in a foreign currency, the cardholder/member agrees to acceptthe actual amount of the adjustment as a final, complete adjustment.Non-Visa Debit Transaction Processing. We have enabled non-Visadebit transaction processing. This means you may use your Visa debit cardon a PIN-Debit Network* (a non-Visa network) without using a PIN.The non-Visa debit network(s) for which such transactions are enabled are:STAR Network. Examples of the types of actions that you may be requiredto make to initiate a Visa transaction on your Visa®-branded Debit Cardinclude signing a receipt, providing a card number over the phone or via theInternet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate atransaction on the STAR Network include initiating a payment directly withthe biller, possibly via telephone, Internet, or kiosk locations. STARNetwork billers are required to display the STAR logo. STAR Networkbillers must also allow you to choose how your payment is directed. Thus,you could see the STAR logo and choose to direct your payment throughthe STAR Network. In addition, STAR Bill Payments are not authenticatedwith a PIN; instead the biller authenticates your identity using knowninformation derived from an existing relationship with you.The provisions of your agreement with us relating only to Visa transactionsare not applicable to non-Visa transactions. For example, the additionallimits on liability (sometimes referred to as Visa's zero-liability policy) andthe streamlined error resolution procedures offered on Visa debit cardtransactions are not applicable to transactions processed on a PIN-DebitNetwork. *Visa Rules generally define PIN-Debit Network as a non-Visa debit networkthat typically authenticates transactions by use of a personal identificationnumber (PIN) but that is not generally known for having a card program.Online Banking Transfers - types of transfers - You may access youraccount(s) by computer through the internet by logging onto our website athttps://www.kpcu.com and using your online credentials and multifactorauthentication, to:



• make payments from checking, savings, or money market to loanaccount(s) with us

• make payments from checking to third parties• get information about:


- deposits to checking, savings, or money market account(s)- withdrawals from checking, savings, or money market accounts

Mobile Banking Transfers - types of transfers - You may access youraccount(s) using a mobile device by any of the following methods:

• Downloading Mobile Banking Apps to your smart phone or tablet andlogging in with your online credentials or touch-ID and multifactorauthentication

• Web Browser Banking - Using your cell phone’s browser athttps://online.kpcu.com and logging in with your online credentialsand multifactor authentication

• SMS Text Banking by registering your cell phone number throughOnline Banking

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Limit on liability - You waive any claim you may have against us forconsequential or special damages, including loss of profit arising out of apayment order or funds transfer, unless this waiver is prohibited by law. Weare not responsible for attorney fees you might incur due to erroneousexecution of payment order.Erroneous execution - If we receive an order to pay you, and weerroneously pay you more than the amount of the payment order, we areentitled to recover from you the amount in excess of the amount of thepayment order, regardless of whether you may have some claim to theexcess amount against the originator of the order.Objection to payment - If we give you a notice that reasonably identifies apayment order issued in your name as sender that we have accepted andreceived payment for, you cannot claim that we are not entitled to retain thepayment unless you notify us of your objection to the payment within oneyear of our notice to you.

—————————————ELECTRONIC SERVICES AVAILABLE

Telephone Banking Transfers - types of transfers - You may accessyour account by telephone 24 hours a day using your personalidentification number, a touch tone phone, and your account numbers, to:



• make payments from checking, savings, or money market account(s)to loan accounts with us

• get information about:- the account balance of checking, savings, or money market

account(s)- deposits to checking, savings, or money market account(s)- withdrawals from checking, savings, or money market account(s)

ATM Transfers - types of transfers, dollar limitations, and charges -You may access your account(s) by ATM using your ATM card andpersonal identification number or Visa debit card and personal identificationnumber, to:

• make deposits to checking or savings account(s)• get cash withdrawals from checking or savings account(s)

- a daily ATM withdrawal limit applies- fees may be assessed for using non-KeyPoint Credit Union ATMs

(refer to separate Fee Disclosure)• transfer funds from savings to checking account(s)• transfer funds from checking to savings account(s)• get information about:

- the account balance of your checking or savings account(s)Some of these services may not be available at all terminals.Types of ATM Card Point-of-Sale Transactions - You may access yourchecking account(s) to purchase goods (in person), pay for services (inperson), and get cash from a merchant, if the merchant permits, or from aparticipating financial institution.Point-of-Sale Transactions - dollar limitations - Using your card:

• daily Point-of-Sale limits apply.Types of Debit Card Point-of-Sale Transactions - You may access yourchecking account(s) to purchase goods (in person, online, or by phone),pay for services (in person, online, or by phone), get cash from a merchant,if the merchant permits, or from a participating financial institution, and doanything that a participating merchant will accept.Point-of-Sale Transactions - dollar limitations - Using your card:

• daily Point-of-Sale limits apply. Currency Conversion and International Transactions. When you useyour Visa debit card at a merchant that settles in currency other than USdollars, the charge will be converted into the US dollar amount. The

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With Mobile Banking you can:• transfer funds between checking, savings, and money market

account(s)• transfer funds from line of credit to checking, savings, or money

market account(s)*• transfer funds between your KeyPoint accounts and accounts you

have at other Financial Institutions*• send money to friends or family using the recipient’s email address or

cell phone number*• make payments from checking, savings, or money market to loan

account(s) and credit card(s) with us*• pay bills• get information about:


- deposits checks to checking, savings, or money market accounts• enroll and view eStatements for checking, savings, or money market

accounts*+• view KeyPoint credit card activity*+• perform cash advances from KeyPoint credit cards into KeyPoint

savings, checking, or money market accounts*+• opt in and view your FICO® Score*+• change your profile information such as email address, mailing

address, and phone number*• view Fast Balances on your savings, checking, money market

accounts without logging in*+• find KeyPoint and Co-op branch and ATM locations*• send and receive secure messages* • create Savings Goals and track spending*• perform Stop Payments on KeyPoint checking accounts and view

Stop Payment history*• set up email/text alerts for various account activity*+• view Session Activity*+

*These features are limited or not available through SMS Text Banking.+These features are limited or not available through Mobile Web BrowserBanking.

—————————————NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

As with all financial transactions, please exercise discretion when usingan automated teller machine (ATM) or night deposit facility. For your ownsafety, be careful. The following suggestions may be helpful.

1. Prepare for transactions at home (for instance, by filling out adeposit slip) to minimize your time at the ATM or night depositfacility.

2. Mark each transaction in your account record, but not while at theATM or night deposit facility. Always save your ATM receipts. Donot leave them at the ATM or night deposit facility because theymay contain important account information.

3. Compare your records with the account statements or accounthistories that you receive.

4. Do not lend your ATM card or Visa debit card to anyone.5. Remember, do not leave your ATM card or Visa debit card at the

ATM. Do not leave any documents at a night deposit facility.6. Protect the secrecy of your Personal Identification Number (PIN).

Protect your ATM card or Visa debit card as though it were cash.Do not tell anyone your PIN. Do not give anyone informationregarding your ATM card or PIN over the telephone. Never enteryour PIN in any ATM that does not look genuine, has been

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modified, has a suspicious device attached, or is operating in asuspicious manner. Do not write your PIN where it can bediscovered. For example, do not keep a note of your PIN in yourwallet or purse.

7. Prevent others from seeing you enter your PIN by using your bodyto shield their view.

8. If you lose your ATM card or Visa debit card or if it is stolen,promptly notify us. You should consult the other disclosures youhave received about electronic funds transfers for additionalinformation about what to do if your card is lost or stolen.

9. When you make a transaction, be aware of your surroundings.Look out for suspicious activity near the ATM or night depositfacility, particularly if it is after sunset. At night, be sure that thefacility (including the parking area and walkways) is well lighted.Consider having someone accompany you when you use thefacility, especially after sunset. If you observe any problem, go toanother ATM or night deposit facility.

10. Do not accept assistance from anyone you do not know when usingan ATM or night deposit facility.

11. If you notice anything suspicious or if any other problem arises afteryou have begun an ATM transaction, you may want to cancel thetransaction, pocket your ATM card or Visa debit card and leave.You might consider using another ATM or coming back later.

12. Do not display your cash; pocket it as soon as the ATM transactionis completed and count the cash later when you are in the safety ofyour own car, home, or other secure surrounding.

13. At a drive-up facility, make sure all the car doors are locked and allof the windows are rolled up, except the driver’s window. Keep theengine running and remain alert to your surroundings.

14. We want the ATM and night deposit facility to be safe andconvenient for you. Therefore, please tell us if you know of anyproblem with a facility. For instance, let us know if a light is notworking or there is any damage to a facility. Please report anysuspicious activity or crimes to both the operator of the facility andthe local law enforcement officials immediately.

—————————————YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to all accounts.Our policy is to make funds from your cash and check deposits

available to you on the first business day after the day we receive yourdeposit. Electronic direct deposits will be available on the day we receivethe deposit. Once the funds are available, you can withdraw them in cashand we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you,and you have withdrawn the funds, you are still responsible for checks youdeposit that are returned to us unpaid and for any other problems involvingyour deposit.

For determining the availability of your deposits, every day is abusiness day, except Saturdays, Sundays, and Federal holidays. If youmake a deposit before closing on a business day that we are open, we willconsider that day to be the day of your deposit. However, if you make adeposit after closing or on a non-business day, we will consider that thedeposit was made on the next business day we are open.

If you make a deposit at an ATM before 3:00 P.M. on a business daythat we are open, we will consider that day to be the day of your deposit.However, if you make a deposit at an ATM after 3:00 P.M. or on a non-business day, we will consider that the deposit was made on the nextbusiness day we are open.

If we cash a check for you that is drawn on another bank, we maywithhold the availability of a corresponding amount of funds that are alreadyin your account. Those funds will be available at the time funds from thecheck we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we maymake funds from the deposit available for withdrawal immediately but delay

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SPECIFIC ACCOUNT DETAILSACCOUNT OWNERSHIP - When you open an account, you may chooseone of several ownership types. The type you select depends on the legalstructure of the accountholder, how many individuals will sign on theaccount, whether the signers will share an interest in the account, thenature of any shared interest, and the purposes for which the account willbe used. The type of ownership you select will be indicated on the businessaccount agreement you sign when you open an account. Each personsigning the business account agreement or any other account documentsrepresents and agrees that they are fully authorized to execute alldocuments in their stated capacity, have furnished all documentsnecessary to evidence that authority, and will furnish all documents in suchform as we may request from time to time. We may require the governingbody of the legal entity opening an account to give us a separateauthorization telling us who is authorized to act on its behalf. We will honorthe authorization until we receive written notice of a change from thegoverning body of the legal entity.The types of ownership falling into the business account category aredefined as follows:Sole Proprietorship - A business that is an individual and not acorporation, association, limited liability company, partnership, or otherbusiness entity. For product eligibility purposes, an unincorporatedbusiness solely owned by two individuals who are married to each other willbe treated as a “sole proprietorship/husband and wife”. The account isopened in the name of the owner(s) doing business as the name of thebusiness.Partnership - An unincorporated business entity owned and operated bytwo or more individuals or entities who have agreed to share profits and areresponsible for all liabilities of the business. The account is opened in thename of the business. We offer accounts for general partnerships only.Unincorporated Association - A formal organization, club or society suchas a booster club, historical society, bowling league, etc. The account isopened in the name of the association.Unincorporated Non-Profit Organization - A formal group, such as aphilanthropic or religious organization, with IRS non-profit status. Theaccount is opened in the name of the non-profit organization.Corporation - A business entity, organized under state incorporation lawsthat maintains a legal identity separate from its owners (stockholders) andmanagers or corporate officers. The account is opened in the name of thecorporation.Limited Liability Company (LLC) - A business entity, organized under statelaws, that maintains a legal identity separate from its owners (members) andmanagers. The account is opened under the name of the LLC.

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© 2016 Wolters Kluwer Financial Services – Bankers Systems™Form AIB-B-CU 6/1/2016 3p Custom TCM-5CUBn,4,5

200688000-010

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Your savings federally insured to at least $250,000and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency

NCUA

your availability to withdraw a corresponding amount of funds that you haveon deposit in another account with us. The funds in the other accountwould then not be available for withdrawal until the time periods that aredescribed elsewhere in this disclosure for the type of check that youdeposited.

LONGER DELAYS MAY APPLYCase-by-case delays. In some cases, we will not make all of the funds

that you deposit by check available to you on the first business day afterthe day of your deposit. Depending on the type of check that you deposit,funds may not be available until the second business day after the day ofyour deposit. The first $200 of your deposits, however, will be available onthe first business day.

If we are not going to make all of the funds from your deposit availableon the first business day, we will notify you at the time you make yourdeposit. We will also tell you when the funds will be available. If yourdeposit is not made directly to one of our employees, or if we decide to takethis action after you have left the premises, we will mail you the notice bythe day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask uswhen the funds will be available.

Safeguard exceptions. In addition, funds you deposit by check maybe delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day.You redeposit a check that has been returned unpaid.You have overdrawn your account repeatedly in the last six months.There is an emergency, such as failure of computer or communicationsequipment.We will notify you if we delay your ability to withdraw funds for any of

these reasons, and we will tell you when the funds will be available. Theywill generally be available no later than the seventh business day after theday of your deposit.

SPECIAL RULES FOR NEW ACCOUNTSIf you are a new member, the following special rules will apply during

the first 30 days your account is open.Funds from electronic direct deposits to your account will be available

on the day we receive the deposit. Funds from deposits of cash, wiretransfers, and the first $5,000 of a day’s total deposits of cashier’s,certified, teller’s, traveler’s, and federal, state and local governmentchecks will be available on the first business day after the day of yourdeposit if the deposit meets certain conditions. For example, the checksmust be payable to you (and you may have to use a special deposit slip).The excess over $5,000 will be available on the ninth business day afterthe day of your deposit. If your deposit of these checks (other than a U.S.Treasury check) is not made in person to one of our employees, the first$5,000 will not be available until the second business day after the day ofyour deposit.

Funds from all other check deposits will be available on the ninthbusiness day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINESFunds from any deposits (cash or checks) made at automated teller

machines (ATMs) we own or operate will be available on the secondbusiness day after the day of deposit, except that U.S. Treasury checksthat are payable to you will be available on the first business day after theday of deposit. Also, the first $200 of a deposit will be available on the firstbusiness day after the day of deposit. Checks drawn on KeyPoint CreditUnion will be available on the first business day after the day of deposit ifthe deposit is made at an ATM located on our premises.

Funds from any deposits (cash or checks) made at automated tellermachines (ATMs) we do not own or operate will not be available until thefifth business day after the day of your deposit.

All ATMs that we own or operate are identified as our machines.

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