Consumer Membership and Account Agreement

The Deposit Agreement and Disclosure has been renamed Consumer Membership and Account Agreement and now includes the following disclosures:

• Electronic Funds Transfer Services Disclosure and Agreement (Regulation E)
• Funds Availability Schedule (Regulation CC)
• Funds Transfer Agreement and Notice (Regulations J)
• Privacy Policy
• Online Access Agreement and Disclosure.

The disclosures now included in the Consumer Membership and Account Agreement are no longer available as individual disclosures.

Please also review the Consumer Fee Schedule, Truth in Savings disclosure, and Current Rates.