Membership Agreement

Your Membership Rights and Responsibilities

We’re proud to welcome you as a One Nevada Member.

This Membership Packet contains important information, agreements, disclosures, and notices
that apply to your One Nevada membership and accounts. It also describes how we use and
share your private information. We strongly encourage you to review this packet carefully.

Membership and Account Agreement

This Membership Agreement (“Agreement”) is the contract of deposit, which covers your and our rights and responsibilities concerning your Membership and Account(s) offered to you. In this Agreement, the words “you” and “yours” mean those who sign the Membership Application and Ownership Designation (“Membership Application”) or approve an electronic application. The words “we,” “us,” “our,” and “it” mean One Nevada Credit Union (“Credit Union”). The word “account” means any one or more deposit accounts you have with us.

By signing our Membership Application, by completing and transmitting an online account authorization or service request that is a part of this Agreement, or by establishing and using this account, each of you, jointly and severally, agree to the terms and conditions in this Agreement. This includes our Funds Availability Policy, Electronic Services Agreement, Privacy Policy, Fee Schedule, and the Truth-in-Savings Disclosure accompanying this Agreement; any account receipt; the Credit Union’s Bylaws and Policies; and any amendments, which collectively govern your membership and accounts. You agree this Agreement will govern any additional accounts and services you request in the future, as amended occasionally. If we modify or change the terms of this agreement, we will provide notice of the changes.

Important Information About Opening New Accounts

To help the government fight terrorism funding and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record identity information for each person who opens an account.

What This Means to You

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Definitions

Membership and Accounts

Membership Eligibility

To be eligible for membership, you must be an individual or entity qualifying within the Credit Union’s field of membership, have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and you must purchase and maintain minimum shares as required by the Credit Union’s Bylaws. You authorize us to check your financial information and employment history by any means allowed by law, including obtaining credit reports and credit scores from third parties, including consumer-reporting agencies, to determine your eligibility for accounts and services we may offer, or you request from time to time.

Account Ownership & Designations

Your Membership Application indicates the classification and form of account ownership.

Individual Accounts

An individual account is an account owned by one depositor, including any individual, trust, or other fiduciary relationship qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the POD beneficiary or decedent’s estate, if applicable.

Joint Accounts

An account owned by two or more persons is a joint account. We consider any account in which you request joint ownership as an individual account until the Credit Union receives a Membership Application signed by you and the joint owner(s), at which time the account will be a jointly owned account, and the following joint ownership rights will apply.

Joint Ownership: Joint owners do not have membership rights. However, in accordance with Credit Union bylaws, we shall deem a joint owner as a member only for the purpose of applying for and obtaining loans and other credit. Other than that, the Credit Union does not consider joint owners as members unless they are qualified, eligible members who have separate accounts in their own names. Any joint owner on a share savings account is an authorized joint owner on all deposit sub-accounts under that account (except for Individual Retirement Accounts and Certificates of Deposit).

Rights of Survivorship: If you have a joint account, rights of survivorship apply. Upon the death of one joint account owner, that person’s interest will become the property of the surviving joint account owner(s).

Joint Account Owners’ Rights: Any joint account owner may authorize and act for the other owner(s). The Credit Union may accept orders and instructions regarding the account and requests for future services from any account owner. Each account owner guarantees the signature of the other owners. By written order, the member may remove any joint owner of the account. By written order, joint owners may remove themselves from an account in good standing. Any account owner(s) may:

• Withdraw all funds in the account;
• Stop payment on items drawn on the account;
• Withdraw or pledge all or any part of funds in the account; or
• Opt-in to products and services without the consent of the other account owner(s).

Joint Account Owner Liability: Each account owner is jointly and severally liable to the Credit Union for any amounts or fees due for any item deposited into a joint account and returned as unpaid, if the account is overdrawn, or if we do not receive final payment on any transaction. This is regardless of who created the overdraft, deposited or cashed the item, or benefited from the transaction. If any account owner is indebted to the Credit Union, we may enforce our rights against any or all funds in the joint account, regardless of who contributed funds to the joint account.

Joint Account Owner Information: If you provide your PIN or any account access code to a joint owner of your deposit account or any another person, you understand and agree that person has full access to, and your authorization to receive, any deposit or loan account information of yours. The Credit Union has no responsibility to inquire about the person’s authority or permission to access your information, and we will not be liable for providing any account information access to such person.

POD Beneficiaries

A POD designation is an instruction to the Credit Union that a designated account is payable to the owner(s) during his/her lifetimes, and upon the death of the last joint account owner, payable to any named and surviving POD beneficiary designated by you. Such beneficiaries with rights of survivorship jointly own accounts that are payable to more than one POD beneficiary. Separate beneficiary designations govern IRA and CD accounts, so any POD beneficiary designation shall not apply to these accounts. In the absence of a POD beneficiary on a certificate account, the POD beneficiary designation on the share savings account will govern. At no time, shall the Credit Union have any obligation to notify any beneficiary of the existence of any account or the vesting of the beneficiary’s interest in any account, except as otherwise provided by law.

Minor Accounts

For any account established by or for a minor, the Credit Union reserves the right, at our sole discretion, to require the minor account owner to have a parental joint account owner or custodian who is at least eighteen (18) years of age on the account. That parental joint account owner or custodian shall be jointly and severally liable to the Credit Union for any returned item, overdraft, unpaid fees, or amounts on such account. The Credit Union may make payments of funds directly to the minor without regard to his or her minority. The Credit Union has no duty to inquire of the use or purpose of any minor or joint account owner transaction. The minor account owner’s TIN must be on the Membership Application.

Fiduciary Accounts

A fiduciary account is one opened by an executor, administrator, personal representative, trustee, conservator, or other fiduciary in such capacity authorized under a will, court order, or trust instrument establishing the fiduciary relationship; or a representative payee authorized by the U.S. Social Security Administration (“fiduciary”). The account owner is the estate, conservatorship, trust, or Social Security Administration benefit recipient as the sole owner of this account. The account owner authorizes the fiduciary to act on behalf of the account owner, but the fiduciary has no ownership interest. The fiduciary is the only authorized party to transact on this account. The fiduciary is expressly authorized to endorse all items payable to or owned by the account owner for deposit with or collection by the Credit Union, and to execute such other agreements and to perform any other account transaction under the Agreement. The account owner authorizes the fiduciary to receive account information from the Credit Union, either orally or in writing, and any other information related to the account. The authority given to the fiduciary shall remain in full force until the Credit Union receives a court order, termination of the account owner, or written notice of revocation by a court-appointed representative of the account owner, or by the Social Security Administration, as applicable. Any such notice shall not affect any items in process at the time we receive notification. The fiduciary will notify the Credit Union of any change in the account owner’s status affecting the deposit relationship between the account owner and the Credit Union. The fiduciary agrees and warrants that all actions he or she takes regarding the account will be for the sole benefit of the account owner. Further, the fiduciary will not conduct any transaction on the account that will personally benefit the fiduciary, and the fiduciary will comply with the terms of all applicable law(s), will, court order, or instrument establishing the fiduciary relationship. The Credit Union may rely upon these representations and warranties and shall have no duty to examine such authorizing documents for compliance or inquire as to the powers and duties of the fiduciary and shall have no notice of any breach of fiduciary duties by the fiduciary unless the Credit Union has actual notice of wrongdoing. The account owner agrees that the Credit Union shall not be liable for any losses due to the account owner’s failure to notify us of any unauthorized acts of the fiduciary or changes to the relationship between the fiduciary and account owner. The account owner and fiduciary agree to indemnify, defend, and hold the Credit Union harmless of any claim, loss, damage, liability or expense (including reasonable attorneys’ fees and costs) as a result of unauthorized acts of the fiduciary upon which the Credit Union relies prior to any actual notice of any account change or change of account owner.

Deposit Requirements

Per the requirements set forth on the accompanying Truth-in-Savings Disclosure, you may deposit funds to any account in any manner approved by the Credit Union. All accounts are non-assignable and nonnegotiable to third parties. You agree not to deposit any substitute check, or similar item that you have created, or for which no financial institution has provided any substitute warranties and indemnity. If you do so, you agree to indemnify, defend, and hold the Credit Union harmless for all losses, damages, liabilities, and/or expenses (including reasonable attorneys’ fees and costs) we incur in connection with the substitute check or item. You agree not to deposit any substitute check without our written consent.

Endorsements: You authorize the Credit Union, at its sole discretion, to accept transfers, checks, drafts, and other items for deposit into any of your accounts, regardless of whether all payees have endorsed them. You authorize the Credit Union to supply missing endorsements if we choose to supply such endorsements. The Credit Union reserves the right at our sole discretion to verify all endorsements on third-party checks presented for deposit either in person or by comparison with member signature files. If insurance, government, and certain other checks or drafts require endorsements as set forth on the back of the check, the Credit Union may require an endorsement as set forth on the check. You must place endorsements in the space between the top edge and one and one-half (1½) inches from the top edge. In its sole discretion, the Credit Union may accept drafts or checks with endorsements outside this space. However, if any such endorsement or other markings you or any prior endorser make on the check cause any delay or error in processing the item for payment, you will be responsible for any loss incurred by the Credit Union due to the delay or error.

Collection of Items: Until we receive them, the Credit Union shall not be responsible for deposits made by mail or at an unstaffed facility. In handling items for deposit or collection, the Credit Union only acts as your agent and assumes no responsibility beyond the exercise of ordinary care. The Credit Union will not be liable for default or negligence of any correspondent or for loss in transit, and each correspondent will only be liable for its own negligence. The Credit Union reserves the right at our sole discretion to send any item for collection. The Credit Union, in receiving items from you for withdrawal or deposit, acts only as your agent and, at our sole discretion, reserves the right to reverse the credit for any deposited items or to charge your account for the items, should they become lost in the collection process.

Account Access

Authorized Access: You authorize the Credit Union to recognize a valid authorization or signature of yours. We will not be liable for refusing to honor any item or instruction of yours if we believe in good faith that the signature on such item or instruction is not genuine. If you open your account electronically and/or do not provide us with a physical signature, you agree that the Credit Union may accept as genuine any signature that appears to be yours without liability. If you authorize the use of a facsimile signature, the Credit Union may honor any draft that appears to bear your facsimile signature, even if an unauthorized person made it. If you give your account number to a third person, you authorize us to honor transactions initiated by the third person, even if you did not specifically authorize a particular transaction.

Access Options: You may make account withdrawals or transfers in any manner permitted by the Credit Union, including but not limited to, by check, ATM, debit card, in person, mail, automatic transfer, digital banking, or telephone). If the Credit Union accepts any check drawn on a form that we do not provide you are responsible for any loss incurred by the Credit Union for handling the check. The Credit Union may return any check not drawn on the form provided by us as unpaid.

Credit Union Examination

The Credit Union may disregard information on any check other than the signature of the drawer, amount of the item, and any magnetic encoded information. You agree the Credit Union does not fail to exercise ordinary care in paying an item solely because its procedures do not provide for sight examination of items.

Children’s Online Privacy Protection Act (COPPA)

COPPA regulates the online collection of information from minors under 13 years of age. If you are a parent or guardian sponsoring a child under 13 years of age for membership, you are consenting to the online collection of your child’s information. If you later decide you oppose this collection of online information, simply let us know and we will close the minor’s account.

Account Rates and Fees

The Credit Union’s payment of dividends on any account is subject to the account rates, fees, earnings, payment, and balance requirements as set forth on the Truth-in-Savings Disclosure and the Fee Schedule. You agree the Credit Union may impose fees for the deposit account services provided by us. We have provided a current Fee Schedule. You agree the Credit Union may change the Fee Schedule from time to time. We will inform you of changes when required by law.

Transaction Limitations

Withdrawal Restrictions: The Credit Union will allow a withdrawal only if you have sufficient available funds in your account to cover the full amount of the withdrawal or if you have an established Overdraft Protection plan. Checks, other transfers, or payment orders drawn against insufficient available funds will be subject to a service fee, as described in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds. The Credit Union may also refuse to allow a withdrawal in other cases. For example, if (the following list is illustrative and not all-inclusive):

• Any dispute between the owners about the account occurs (unless a court has ordered the Credit Union to allow the withdrawal);
• A legal garnishment or attachment is served;
• The account secures an obligation to the Credit Union;
• Any required documentation has not been presented; or
• You do not repay a Credit Union loan on time

We will advise you of the refusal reason(s) if we take such an action. The Credit Union reserves the right at our sole discretion to require you to give written notice of any intended withdrawals from any account (except checks) of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal.

Overdrafts

“Overdraft” means there is not enough available balance in your account at the time a transaction is presented to us for payment. Should an overdraft occur and you have signed up for Overdraft Protection, then we will first attempt to authorize and pay the item by transferring to your Checking Account from any approved Personal line of Credit or your regular savings account. If you have not signed up for Overdraft Protection, or funds are not available in another approved line of credit or savings account when a transaction is presented to us, then we will reject the transaction, or if you have signed up (Opted-In) to our Overdraft Protection we may, at our discretion, elect to pay it using our Overdraft Program.

Overdraft Protection applies automatically (no Opt-In required) when we pay overdraft checks, Automatic Clearing House (ACH described below) transactions, bill pay and other payment transactions, other than one-time or nonrecurring debit card transactions and ATM withdrawals. Overdraft Protection applies to nonrecurring or one-time debit card payment transactions and ATM withdrawals if you have affirmatively consented to Overdraft Protection coverage through an opt-in process. Without your consent, or opt-in, we will not authorize one-time debit card transactions or ATM withdrawals that will result in insufficient available funds in your account.

If we authorize any type of payment transaction and there is an insufficient available balance at the time it is posted to (paid from) your account, then we will charge you an Overdraft Fee. If we decline to pay a check or bill pay transaction, then it will be rejected and you will be charged a Returned Item Fee. You will not be charged any fees if we decline to authorize a debit card payment transaction or ATM withdrawal. Overdraft and Return Item Fees are described in our Fee Schedule, which is updated periodically and is incorporated into this Agreement.

Note: Check and ACH payment transactions that are declined may be presented to us again for payment multiple times until paid. You may be charged a Returned Item Fee each time a transaction is presented for payment, even if it was previously declined and a fee was previously charged. We cannot control how many times an item is presented to us.

The following is important information regarding your account balance, how transactions are authorized and posted to your account, and when an Overdraft Fee or Returned Item Fee will be charged. You should read these disclosures carefully. If you have questions, please contact the Credit Union or visit a branch location.

YOUR CHECKING ACCOUNT BALANCE. Your checking account has two balances: the “actual” balance and the “available” balance. Both can be checked when you review your account online, on our mobile banking application, at an ATM, or at a branch. It is important to understand how the two balances work so that you know how much money is in your account at any given time. This section explains actual and available balances and how they work.

The actual balance is the full amount of all deposits, even though some portion of a deposit may be on hold and may not be available to you, less payment transactions that have “posted” to your account, but not payment transactions that have been authorized and are pending.

Your available balance is the amount of money in your account that is available to you to use. The available balance is the actual balance less things like holds placed on deposits and pending transactions (such as debit card purchases) that the Credit Union has authorized but that have not yet posted to your account.

We use available balance at the time transactions are presented to us to decide whether to authorize them for payment. We also use the available balance at the time transactions are posted and actually paid (not when they are authorized) to decide whether to charge Overdraft fees.

HOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT. There are basically two types of transactions in your account: credits, or deposits of money into your account, and debits, or payments out of your account.

• Checks. When you write a check, it is processed through the Federal Reserve System. We receive data files of cashed checks from the Federal Reserve each day. The checks drawn on your account are compiled from these data files and posted to your account each day. We process the payments in the order they are received.
• ACH Payments. We receive data files every day from the Federal Reserve with Automated Clearing House or ACH transactions. These include, for example, automatic bill pays you have signed up for. Each day, ACH transactions for your account are grouped together and posted in the order they are received.
• ATM Withdrawals or Transfers. These are posted and money is withdrawn from or paid from your account in real time when the transaction is completed at an ATM.
• Point of Sale (POS) Debit Card PIN Transactions. These are transactions where you use your debit card and you enter your PIN at the time of the sale. They are similar to ATM withdrawals because money is usually deducted from your account immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends upon the merchant.
• Signature Debit Card Transactions. These are transactions where you make a purchase with your debit card and you are typically asked to sign for the purchase. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we generally place a temporary hold against the available funds in your account. We refer to the temporary hold as an “authorization hold” and the amount of the authorization hold will be subtracted from your available balance. Authorizations are deducted from your available balance but not your actual balance as they are received by us throughout each day. At some point after you sign for the transaction, it is processed by the merchant and submitted to us for posting to your account.
• Debit card transactions can be recurring or nonrecurring. Recurring transactions are where you use your debit card to set up a recurring monthly payment, such as a gym membership. Nonrecurring transactions are one time transactions that are authorized each time you use your debit card. We will rely on how the merchant characterizes the transaction for purposes of processing it.

This is a general description of how certain types of transactions are posted. These practices may change and we reserve the right to pay items in any order we choose as permitted by law.

The best way to know how much money you have and avoid paying overdraft or returned item fees is to record and track all of your transactions.

Post- or Stale-Dated Checks

You authorize us to accept and pay any check, even if it is presented for payment before or after its date.

Stop-Payment Orders

Stopping Payment Requests: You may ask the Credit Union to stop payment on any check or ACH debit drawn upon or scheduled from your checking account. You may request a stop payment via Digital Banking, telephone, mail, or in person:

• For checks, the stop payment will be effective if the Credit Union receives the order in time for us to act upon it and if you state the account number, date, and check number; its exact amount; and to whom you issued it.
• For ACH debits, we must receive the stop-payment order at least three (3) business days before the scheduled date of the transfer. You must state the account number, date, and the exact amount of the item, as well as the number of the item or originator of the ACH debit.

Duration of Order: A written stop-payment order on a check will be effective for six (6) months. You may renew a written stop-payment order in writing. A written stop-payment order on an ACH transaction will continue until the entry is returned or until you cancel the stop-payment order.

Liability: The Credit Union may charge a fee for each stop-payment order requested, as set forth in the Fee Schedule. You may not stop payment on any certified check or draft, cashier’s check, teller’s check, or any other check, draft, or payment guaranteed by the Credit Union.

Credit Union’s Liability for Errors

The Credit Union will not be liable if:

• Through no fault of the Credit Union, your account does not have sufficient available funds to make the transaction;
• Circumstances beyond the Credit Union’s control prevent the transaction;
• Your negligence causes the loss, including your failure to examine your statements;
• The negligence of another financial institution; or
• The funds in your account are subject to legal process or another claim.

Credit Union’s Lien and Security Interest

To the extent, you owe the Credit Union money as a borrower, guarantor, endorser, or otherwise, the Credit Union has a lien on any or all of the funds in any account in which you have an ownership interest at the Credit Union, regardless of the source of the funds. The Credit Union may apply these funds in any order to pay off your indebtedness without further notice to you. If the Credit Union chooses not to enforce its lien, we retain our right to enforce the lien later. In addition, you grant the Credit Union a consensual security interest in your accounts and agree the Credit Union may use the funds from your accounts to pay any debt or amount owed to the Credit Union, except obligations secured by your dwelling, unless prohibited by applicable law. All accounts are non-assignable and nontransferable to third parties without our prior written consent.

Legal Process

If the Credit Union receives any legal action against your account, such as a levy, garnishment, or attachment, we may refuse to pay any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal processes, we may charge such expenses against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union’s lien and security interest.

Account Information

Upon your written request, the Credit Union will inform you of the name and address of each credit-reporting agency from which we obtain a credit report in connection with your account.

Notices

Name or Address Changes: It is your responsibility to notify the Credit Union of a change of address or change of name. The Credit Union is only required to attempt to communicate with you at the most recent address you provided to us. The Credit Union will accept address change notices and any other notice from you to us only if provided in writing, in person, or through Digital Banking. If the Credit Union tries to locate you, we may impose a service fee as set forth in the Fee Schedule.

Amendments: Except as otherwise prohibited by applicable law, the terms of this Agreement are subject to change at any time at our sole discretion. The Credit Union reserves the right at our sole discretion to waive any term in this Agreement. Any such waiver shall not affect the Credit Union’s right to enforce any right in the future.

Effect of Notice: Any written notice you give to the Credit Union is effective when we receive it. The Credit Union reserves the right at our sole discretion to accept oral instructions. Any written notice the Credit Union gives to you is effective when we deposit it in U.S. Postal Service mail, postage-prepaid, and addressed to your address on record with the Credit Union. Any electronic notice the Credit Union sends to you is effective when we transmit it to the email address on record with the Credit Union. We consider notice to any, one account owner as notice to all account owners.

Negative Information Notice: We may report information about your loan, share, or deposit accounts to credit bureaus. We may reflect late payments, missed payments, or other account defaults in your credit report.

Electronic Signatures: You understand and agree that your electronic consent, execution, or authorization is your electronic signature, which specifically records your signature and assent to the Membership and Account Agreement and constitutes your agreement to the terms and conditions of the Agreement.

Consent to Communications: By providing an email address, telephone number, or cellular or other wireless device number, you are expressly consenting to receiving communications at that address or number. This includes, but is not limited to, prerecorded or voice mail message calls, text messages, and calls made by an automatic telephone dialing system from us, our affiliates, or agents. You may revoke this authorization at any time by providing the Credit Union with your written revocation.

Taxpayer Identification Number (TIN) and Backup Withholding

If your account is, or becomes, subject to backup withholding, applicable law requires the Credit Union to withhold and pay to the Internal Revenue Service (IRS) a required percentage of payments of interest, dividends, and certain other payments under certain conditions. Your failure to furnish a correct TIN or meet other applicable requirements may result in backup withholding, as well as civil or criminal penalties. If you refuse to provide your TIN, the Credit Union may delay the opening of your account.

Statements

Contents: If the Credit Union provides a statement of your account, you will receive a periodic statement of all transactions and activity on your account during the statement period. For checking accounts, you understand that, when paid, any original or substitute check becomes property of the Credit Union and we will not return it to you. Electronic check copies are available via digital banking for the applicable retention period.

Examination: You are responsible for examining each statement and reporting any irregularities to the Credit Union. The Credit Union will not be responsible for any forged, altered, or unauthorized check or items drawn on your account if:

• You fail to notify the Credit Union within thirty (30) days of the mailing date of the earliest statement and availability of checks containing any forgery, alteration, or unauthorized signature on the item; or
• Any items forged or altered in a manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine.

Electronic Documents, including Online Statements: If you have elected to receive your account documents electronically, your account statement(s) will be available through Digital Banking to access, review, print, and otherwise copy or download by the fifth of each month for the previous period’s statement.

Limitation of Time to Commence Action: Any action or proceeding by you to enforce an obligation, duty or right arising under this agreement or by law with respect to your account or any account service must be commenced within either: (1) one year after the cause of action accrues, or (2) the minimum amount of time that can be contractually agreed to under applicable law, whichever is greater.

Dormant and Abandoned Accounts

If you have an account you have not made a withdrawal from, deposit to, renewal of, or transfer to or from for more than twelve (12) months, the Credit Union may classify your account as inactive and may charge a dormant account service fee, as allowed by applicable law and as set forth on the Fee Schedule. As required by the Uniform Unclaimed Property Act, if you do not make an account deposit or withdrawal, you have not otherwise indicated an interest in the account, or the Credit Union has had no other contact with you within three (3) years, we will presume the account abandoned. We will remit abandoned account funds in accordance with state law.

Death of Account Owner

You irrevocably waive the right to make a testamentary disposition of any account with the Credit Union, now and in the future. Upon your death, your account will be payable in accordance with any existing account designations and the terms of this Agreement. Once the Credit Union learns of a member’s death, we may pay checks, or honor other payments or transfer orders authorized by the deceased member, for a period of ten (10) days, unless the Credit Union receives instructions from any person claiming an interest in the account to stop payment on the checks or other items.

Termination of Account

The Credit Union may terminate your account at any time without notice to you or may require you to close your account and apply for a new account if:

• There is a change in owners or authorized signers;
• There has been a forgery or fraud reported or committed involving your account;
• There is a dispute as to the ownership of the funds in the account;
• Any account checks are lost or stolen;
• If there are excessive returned, unpaid items not covered by an overdraft plan;
• If there has been any misrepresentation or any other abuse of any of your accounts;
• You are the cause of or support abusive behavior directed at Credit Union employees;
• We reasonably deem it necessary to prevent a loss to us;
• If you engage in any activity of betting or wagering or are otherwise engaged in any Internet gambling business; or
• Any owner or authorized user causes the Credit Union to suffer a loss.

Termination of Membership

You may terminate your Credit Union membership after giving written notice of your intent to withdraw. We may expel you if:

• There has been any misrepresentation or any other abuse on any of your other accounts;
• You fail to comply with Credit Union Policies;
• You conduct yourself in a threatening or abusive manner to Credit Union personnel; or
• You willfully damage Credit Union property.

Governing Law

This Agreement is governed by the Credit Union’s Bylaws, federal laws and regulations, the laws and regulations of the state of Nevada, and the state in which you reside, as applicable, and clearing house rules, as amended from time to time.

Arbitration and Waiver of Class Action

You and we agree that we shall attempt to informally settle any and all disputes arising out of, affecting, or relating to your accounts, or the products or services the credit union has provided. If the Claims cannot be resolved informally, then you agree that any and all Claims shall, at the election of either you or us, be resolved by binding arbitration administered by National Arbitration and Mediation (“NAM”) in accordance with its applicable rules and procedures for consumer disputes (“Rules”). The Rules can be obtained on the NAM website free of charge at www.namadr.com; or, a copy of the Rules can be obtained at any credit union branch upon request.

AS A RESULT, IF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT).

Class Action Waiver. ANY ARBITRATION OF A CLAIM SHALL BE ON AN INDIVIDUAL BASIS. YOU UNDERSTAND AND AGREE THAT YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION LAWSUIT.

Severability. In the event the Class Action Waiver in this Arbitration Provision is found to be unenforceable for any reason, the remainder of this Arbitration Provision shall also be unenforceable. If any provision in this Arbitration Provision, other than the Class Action Waiver, is found to be unenforceable, then the remaining provisions shall remain fully enforceable.

Funds Availability Policy

General Funds Availability Policy

For all accounts, except transaction accounts, we reserve the right, at our sole discretion, to place reasonable holds on deposited funds, to the extent allowed by law. For transaction accounts, our general policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can use them for all account transactions. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays.

Reservation of Right to Hold

In some cases, we will not make all the funds you deposit by check available to you on the next business day. Depending on the type of check deposited, such as large checks without available funds or those from third parties, funds may not be available until the second business day. However, the first $275 of your deposit may be available on the first business day. In the event we do not make the funds available on the first or second business day due to a covered Regulation CC reason, we will notify you.

Holds on Other Funds

If we cash a check for you drawn on another financial institution, we may withhold the availability of a corresponding amount of funds already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept a check for deposit drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw the corresponding amount of funds you have on deposit in another account with us.

Longer Delays May Apply

We may delay your ability to withdraw funds deposited by check into your account for an additional number of days for these reasons:

• We believe a check you deposit will not be paid;
• You deposit checks totaling more than $6,725 in any, one (1) day;
• You deposit a check that has been returned unpaid;
• You have overdrawn your account repeatedly in the last six (6) months; or
• There is an emergency, such as communications or computer equipment failure.

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. They will generally be available no later than seven (7) business days after the deposit date.

Special Rules for New Accounts

If you are a new member, the following special rules may apply during the first thirty (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 cash deposits, wire transfers, and the first $6,725 of a day’s total deposits of cashier, certified, teller, travelers, federal, state, and local government checks, will be available on the first business day after the day of your deposit if the deposit meets certain conditions. Any excess funds over $6,725 will be available on the ninth business day after the day of your deposit.
• Funds from all other check deposits will be available on the ninth (9th) business day after the deposit date.

Deposits at Non-Proprietary ATMs

Funds from any deposits (cash or check) made at ATMs we do not own or operate will not be available until five (5) business days after the date of deposit. This limit does not apply to ATMs we own or operate. The Credit Union identifies all ATMs we own or operate accordingly.

Foreign Checks

We do not accept foreign checks.

Mobile Deposits

The Credit Union places an immediate hold on checks deposited through the Mobile Deposit services. Depending on the type of check that you deposit, funds may not be available until the tenth business day after the deposit date.

Electronic Services

The Credit Union offers a variety of electronic services. By establishing and/or using electronic services, you agree to the following terms, conditions, and any amendments governing your and our rights and responsibilities concerning these services.

Electronic Statement and Document Delivery

Scope of Communications: Law, regulation, and/or agreement require the Credit Union to provide you certain Communications “in writing”. With your consent, we offer you the option to receive these Communications by Electronic Delivery. By enrolling in the Credit Union’s Electronic Statement and Document Delivery service, you agree to receive all Communications relating to your membership and accounts via electronic delivery. Communications include, but are not limited to the following:

• All legal, regulatory, or other disclosures associated with an Account or Service.
• All periodic statements for an Account or Service, along with any notices related to such statements that we are required or permitted to include with paper statement.
• All other documentation relevant to an Account or Service, including agreements, amendments, account opening documentation, billing statements, policies and procedures, including our Privacy Policy, terms and conditions, authorizations, updates, notices, responses to claims, transaction history, Individual Retirement Account and Employee Retirement Income Security Act information.
• Member material including proxy materials, periodic reports, tender offer materials, corporate actions, fact sheets, newsletters, announcements, and other similar disclosures, materials, or information.
• Investments materials, including any Communication or disclosures required or permitted to be delivered to you in connection with any investment, strategy, opportunity, or securities transaction.
• Tax forms and reports relevant to an Account or Service, including tax forms, which we are required or permitted to deliver via Electronic Delivery including, but not limited to, forms in the 1098 and 1099 series and Schedules K-1.
• Communications for advisory or managed Accounts or Services.
• Marketing materials.
• Any other documents or other information required to be provided “in writing” or that we otherwise provide to you, or that you sign, submit, or agree to at our request, in connection with your relationship with us.

Enrollment: The Credit Union must receive your affirmative consent to send documents to you electronically. Once you enroll, the Credit Union will continue to send your Communications electronically until you tell us otherwise. To receive Communications via postal mail, do not enroll in E-Documents.

Method of Delivery: We will provide all electronic Communications by one or more of the following methods: via electronic messaging such as email or SMS text or push notifications to your mobile device; via access to a website; via our mobile applications; or by requesting you to download other specified electronic files.

Email Address on File: It is your responsibility to provide and maintain a true and valid email address on file. You can update your email address on file by logging into Digital Banking, by calling 800-388-3000, or by visiting a local branch.

Withdrawing Consent. You may withdraw your consent to receive electronic Communications at any time within Digital Banking by selecting Statement & Document Delivery, by calling 800-388-3000, by mailing us at 2645 S Mojave Road, Las Vegas, NV 89121, or by visiting a local branch.

Electronic Funds Transfer (EFT) Services

General Service Terms: EFT services are electronically initiated money transfers involving your Credit Union deposit accounts and include, but are not limited to, ACH, Wire Transfers, Direct Deposit, Electronic Checks, ATM Transfers, Online and Phone Banking Transfers, External Transfers, Bill Payments, and Send Money transactions.

Our Liability: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for losses or damages. In no case will we be liable for any indirect, special, consequential, or incidental damages. We will NOT be liable if:

• Through no fault of our own, you do not have enough money in your account to make the transfer.
• The transfer would go over the credit limit on your overdraft line.
• The automated teller machine where you are making the transfer does not have enough cash.
• The terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• Circumstances beyond our control, including but not limited to legal process; labor unrest; computer or other equipment failure; interruption of communication facilities; civil unrest or disturbance; emergency conditions; or potential violation of any guideline, rule, or regulation of any government authority prevent the transfer, despite reasonable precautions we have taken.

Member Liability: You are responsible for all transfers you authorize using EFT services under this Section II. If you permit other persons to use an EFT service, card, PIN, or access code, you are responsible for any transactions they authorize or conduct on any of your accounts. Inform us immediately if you believe anyone has used your account, card, PIN, or access code and accessed your accounts without your authority.

For debit card, purchase transactions, if you notify us of your lost or stolen card, you may not be liable for any losses. For all other EFT transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use, you could lose as much as $500.

Billing Errors and Error Resolution: In case of errors or questions about your electronic transfers (excluding Mobile Deposit transactions), call us at 800-388-3000 or write us at the address listed below as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

ACH Transfers

Transfer Types: You may use ACH services to perform the following transactions:

• Make deposits to your share/savings or share draft/checking account.
• Make loan payments.
• Pay bills directly from your share/savings or share draft/checking accounts in the amounts and on the day you request.
• Authorize a merchant to convert your share draft/check to an electronic fund transfer initiating a debit to your share draft/checking account for the purchase amount.
• Authorize a merchant to debit your share draft/checking account for returned check fees.

Wire Transfers

Domestic Wire Transfers: You may initiate a domestic wire transfer from your account. Our domestic wire transfer cut-off hours coincide with San Francisco Federal Reserve Bank fed wire cut-off times. We will charge your account for any authorized funds transfer amount, including any wire transfer fees, as set forth on the Fee Schedule. The Consumer Financial Protection Bureau’s Regulation E governs international wire transfers.

Security Procedures: You agree any wire transfer order will be subject to the agreed security procedures including photo identification requirements, signature verification, data/password verification, use of a personal identification number (PIN) verification, and agreed callback procedures.

Direct Deposits

The Credit Union may offer direct deposit options allowing you to preauthorize deposits (e.g., payroll checks, Social Security Administration or retirement checks, or other government funds) or transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization method.

ATM Card Transactions

You may use your One Nevada Debit Card and PIN at Credit Union ATMs and other machines we may designate. You may use your card to make the following account transactions:

• Withdraw cash from your savings or checking accounts.
• Transfer funds between your savings or checking accounts.
• Make account balance inquiries.
• Make loan payments from savings or checking accounts.
• Make deposits to your savings or checking accounts

Unauthorized ATM Transfers: Tell us AT ONCE if you believe your ATM card and/or PIN have been lost or stolen. You can call us at 800-388-3000 or write us at 2645 S Mojave Rd, Las Vegas, NV 89121.

Debit Card Services

You may use your Debit Card to buy goods and services at any participating merchants who honor it, including at POS terminals within the networks or such other POS terminals as the Credit Union may designate. The Credit Union will deduct funds to cover your card purchases from your checking account. If your Available Balance is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to our Overdraft Protection service.

Unauthorized Transfers: Tell us AT ONCE if you believe your Debit Card and/or PIN have been lost, stolen, or compromised. If you notify us within two (2) business days, you can lose no more than $50 if someone used your Debit Card and/or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose as much as $500.

Digital Banking Services

Digital Banking services include Online and Mobile App banking from any Internet-based device including personal computers, tablets, mobile devices, and smart watches. You can enroll for Digital Banking services either during or after the account opening process via onenevada.org or through our Mobile App. When available, you may use Digital Banking to:

• Transfer funds between your checking, savings, or loan accounts.
• Transfer funds to other members’ accounts once set up.
• Obtain your account balances.
• Communicate with the Credit Union using Digital Banking messaging.
• Establish and pay bills.
• Transfer funds to and from an external checking or savings account as a bank-to-bank transfer.
• Review account balance, transaction history, current rate, and tax information for any of your deposit accounts.
• Make person-to-person payments.
• Make mobile deposits.
• Manage how and where you can use your debit and/or credit cards.
• Manage contact information, password, and other login credentials including your secure access code (SAC).
• Choose your preferred delivery for statements and account notices.

Bill Pay Services

Upon our approval, you may use Bill Pay services. The Credit Union will make its best effort to ensure the Bill Pay service is accessible seven (7) days a week. The online address for the Bill Pay service is https://onenevada.org.

Payment Scheduling: The Bill Pay service will designate the Scheduled Payment Date for each Payee within the application when you are scheduling the payment, which may be up to ten (10) business days. You must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day.

Prohibited Payments: The Service prohibits payments to Payees outside of the United States or its territories, and it is unlawful to use this system to transfer money to any person or organization listed on the OFAC Specially Designated Nationals list.

Send Money Service

The Send Money service empowers you to send money via Digital Banking to others using a cell phone number or an email address through the Neural Payments network and third party platforms. Sending money does not require you to have a Neural Payments Account.

Fees: We do not currently charge a fee for Send Money transfers.

Mobile Deposit Service

The Credit Union’s Mobile Deposit service allows you to make Eligible Item deposits to your Credit Union checking, savings, or money market savings accounts using an Eligible Device to transmit item images and deposit information to us. There is currently no charge for the Mobile Deposit Services.

Endorsement Requirement: Prior to capturing any item through the Mobile Deposit Service, you are to restrictively endorse the original item by writing “For Mobile Deposit Only, One Nevada Credit Union, account #______________”, on the back of the check, check the on-screen box, or as otherwise instructed by us.

Storage and Destruction of Original Items: Once you receive confirmation that the Credit Union has received your item image and successfully deposited the funds to your account, you may properly dispose of (shred) the item to avoid re-presentment.

Short Message Service (SMS) and Short Code (Text)

Service Terms: By providing your mobile phone number to us, you have provided consent to send you account-related text messages. The Credit Union may contact you via the SMS Short code channel regarding account security activities, higher risk transactions, and multi-factor authentication challenges.

How to Opt-Out: You may withdraw your consent to receive account text messages by replying STOP at any time to any account text you receive from us. Please note that you cannot opt-out of fraud alerts.

Voice Banking

Voice Banking allows you to use your voice-enabled devices, such as Amazon Alexa or Echo and Google Home devices, to communicate with the Credit Union by voice regarding your account(s). Any communication to the Credit Union via your voice-enabled device will be treated by us as a communication authorized by you.

Credit Score Monitoring

As a feature of your digital banking account, we will provide you with your credit score and report. This is a soft pull and will not affect your credit score. You authorize our partner, SavvyMoney, Inc., to continuously obtain your credit report and use the information to verify your identity, provide you with financial education, and invite you to apply for products and services made available by us.

Third-Party Services

The Credit Union provides the services to Credit Union members through third-party service providers. Upon enrollment in third-party electronic services, you will be provided with the Terms and Conditions for those services. Please read the disclosures carefully. You will be required to “accept” the Terms and Conditions in order to use the services.

Privacy Notice

Fee Schedule as of January, 2026

We’ll fully explain and/or disclose other fees for special requests or services at the time of request. Fees subject to change.

Account Disclosures

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts.

Rate Information

The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Savings, Money Market, Money Market IRA, and Preferred Money Market accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Money Market and Money Market IRA accounts are Tiered Rate accounts. If your Average Daily Balance is from $0 to $4,999.99, the first Dividend Rate and Annual Percentage Yield listed in the Rate Schedule will apply. If your Average Daily Balance is from $5,000 to $24,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Average Daily Balance is $25,000 or more, the third Dividend Rate and Annual Percentage Yield listed for this account will apply.

Nature of Dividends

We pay dividends from current income and available earnings after required transfers to reserves at the end of the dividend period.

Dividend Compounding and Crediting

The compounding and crediting frequency of dividends and the dividend period applicable to each account are as stated on the previous page. The Dividend Period is the time period at the end of which an account earns dividend credit. The Dividend Period begins on the first and last calendar day of the period.

Dividend Accrual

For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit. If you close your account before we credit accrued dividends, you will not receive the accrued dividends.

Balance Information

To open any account, you must deposit, or already have on deposit, at least the par value of one full share in a Share Savings account. The par value amount is $5. Some accounts may have additional minimum opening deposit requirements. For Share Savings accounts, there is a minimum Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period. For Money Market or Money Market IRA accounts, there is a minimum Average Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period.

Account Limitations

For Money Market IRA accounts, you may not make any withdrawals or transfers to another credit union account or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction, or similar order to a third party. The Preferred Money Market account is a relationship-based account. To open this account, you must fund an investment account or insurance product, as offered through our broker/dealer, CUSO Financial Services, L.P. (CFS). To maintain access to this account you must have established an investment position (via equity shares and/or mutual funds or an annuity contract) of at least $25,000 from the date that you open the Preferred Money Market account. The NCUA/NCUSIF federally insures deposits maintained in the Preferred Money Market account up to $250,000.

For Share Certificate accounts, you may not make any account additions until the maturity date stated on the account. You may make principal withdrawals from your account before maturity only if we agree at the time you request the withdrawal. We may impose early withdrawals penalties for withdrawals before account maturity. If your account has an original maturity of one year or less, the penalty we may impose will equal 90 days’ dividends on the amount withdrawn subject to penalty or dividends since date of issuance, whichever is less. If your account has an original maturity of more than one year, the penalty we may impose will equal 180 days’ dividends on the amount withdrawn subject to penalty or dividends since date of issuance, whichever is less.

Overdrawn Account Fees

We may impose fees on each check, draft, item, ATM card withdrawal, debit card purchase, preauthorized automatic debit, telephone-initiated withdrawal, or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. We may impose fees for overdrawing your account for each overdraft, regardless of whether we pay or return the draft, item, or transaction. Please refer to the Fee Schedule for current fee information.

Truth-in-Savings Disclosure as of August 2026

The rates, fees, and terms applicable to your account are provided with this Truth-in-Savings Disclosure. One Nevada may offer other rates from time to time.

*$2,000 average daily balance OR complete 15 signature-based, debit card transactions monthly to avoid fee.

Membership Agreement

Your Membership Rights and Responsibilities

We’re proud to welcome you as a One Nevada Member.

This Membership Packet contains important information, agreements, disclosures, and notices
that apply to your One Nevada membership and accounts. It also describes how we use and
share your private information. We strongly encourage you to review this packet carefully.

Membership and Account Agreement

This Membership Agreement (“Agreement”) is the contract of deposit, which covers your and our rights and responsibilities concerning your Membership and Account(s) offered to you. In this Agreement, the words “you” and “yours” mean those who sign the Membership Application and Ownership Designation (“Membership Application”) or approve an electronic application. The words “we,” “us,” “our,” and “it” mean One Nevada Credit Union (“Credit Union”). The word “account” means any one or more deposit accounts you have with us.

By signing our Membership Application, by completing and transmitting an online account authorization or service request that is a part of this Agreement, or by establishing and using this account, each of you, jointly and severally, agree to the terms and conditions in this Agreement. This includes our Funds Availability Policy, Electronic Services Agreement, Privacy Policy, Fee Schedule, and the Truth-in-Savings Disclosure accompanying this Agreement; any account receipt; the Credit Union’s Bylaws and Policies; and any amendments, which collectively govern your membership and accounts. You agree this Agreement will govern any additional accounts and services you request in the future, as amended occasionally. If we modify or change the terms of this agreement, we will provide notice of the changes.

Important Information About Opening New Accounts

To help the government fight terrorism funding and money-laundering activities, federal law requires all financial institutions to obtain, verify, and record identity information for each person who opens an account.

What This Means to You

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Definitions

Membership and Accounts

Membership Eligibility

To be eligible for membership, you must be an individual or entity qualifying within the Credit Union’s field of membership, have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and you must purchase and maintain minimum shares as required by the Credit Union’s Bylaws. You authorize us to check your financial information and employment history by any means allowed by law, including obtaining credit reports and credit scores from third parties, including consumer-reporting agencies, to determine your eligibility for accounts and services we may offer, or you request from time to time.

Account Ownership & Designations

Your Membership Application indicates the classification and form of account ownership.

Individual Accounts

An individual account is an account owned by one depositor, including any individual, trust, or other fiduciary relationship qualified for Credit Union membership. If the account is an individual account, the interest of a deceased individual owner will pass, subject to applicable law, to the POD beneficiary or decedent’s estate, if applicable.

Joint Accounts

An account owned by two or more persons is a joint account. We consider any account in which you request joint ownership as an individual account until the Credit Union receives a Membership Application signed by you and the joint owner(s), at which time the account will be a jointly owned account, and the following joint ownership rights will apply.

Joint Ownership: Joint owners do not have membership rights. However, in accordance with Credit Union bylaws, we shall deem a joint owner as a member only for the purpose of applying for and obtaining loans and other credit. Other than that, the Credit Union does not consider joint owners as members unless they are qualified, eligible members who have separate accounts in their own names. Any joint owner on a share savings account is an authorized joint owner on all deposit sub-accounts under that account (except for Individual Retirement Accounts and Certificates of Deposit).

Rights of Survivorship: If you have a joint account, rights of survivorship apply. Upon the death of one joint account owner, that person’s interest will become the property of the surviving joint account owner(s).

Joint Account Owners’ Rights: Any joint account owner may authorize and act for the other owner(s). The Credit Union may accept orders and instructions regarding the account and requests for future services from any account owner. Each account owner guarantees the signature of the other owners. By written order, the member may remove any joint owner of the account. By written order, joint owners may remove themselves from an account in good standing. Any account owner(s) may:

• Withdraw all funds in the account;
• Stop payment on items drawn on the account;
• Withdraw or pledge all or any part of funds in the account; or
• Opt-in to products and services without the consent of the other account owner(s).

Joint Account Owner Liability: Each account owner is jointly and severally liable to the Credit Union for any amounts or fees due for any item deposited into a joint account and returned as unpaid, if the account is overdrawn, or if we do not receive final payment on any transaction. This is regardless of who created the overdraft, deposited or cashed the item, or benefited from the transaction. If any account owner is indebted to the Credit Union, we may enforce our rights against any or all funds in the joint account, regardless of who contributed funds to the joint account.

Joint Account Owner Information: If you provide your PIN or any account access code to a joint owner of your deposit account or any another person, you understand and agree that person has full access to, and your authorization to receive, any deposit or loan account information of yours. The Credit Union has no responsibility to inquire about the person’s authority or permission to access your information, and we will not be liable for providing any account information access to such person.

POD Beneficiaries

A POD designation is an instruction to the Credit Union that a designated account is payable to the owner(s) during his/her lifetimes, and upon the death of the last joint account owner, payable to any named and surviving POD beneficiary designated by you. Such beneficiaries with rights of survivorship jointly own accounts that are payable to more than one POD beneficiary. Separate beneficiary designations govern IRA and CD accounts, so any POD beneficiary designation shall not apply to these accounts. In the absence of a POD beneficiary on a certificate account, the POD beneficiary designation on the share savings account will govern. At no time, shall the Credit Union have any obligation to notify any beneficiary of the existence of any account or the vesting of the beneficiary’s interest in any account, except as otherwise provided by law.

Minor Accounts

For any account established by or for a minor, the Credit Union reserves the right, at our sole discretion, to require the minor account owner to have a parental joint account owner or custodian who is at least eighteen (18) years of age on the account. That parental joint account owner or custodian shall be jointly and severally liable to the Credit Union for any returned item, overdraft, unpaid fees, or amounts on such account. The Credit Union may make payments of funds directly to the minor without regard to his or her minority. The Credit Union has no duty to inquire of the use or purpose of any minor or joint account owner transaction. The minor account owner’s TIN must be on the Membership Application.

Fiduciary Accounts

A fiduciary account is one opened by an executor, administrator, personal representative, trustee, conservator, or other fiduciary in such capacity authorized under a will, court order, or trust instrument establishing the fiduciary relationship; or a representative payee authorized by the U.S. Social Security Administration (“fiduciary”). The account owner is the estate, conservatorship, trust, or Social Security Administration benefit recipient as the sole owner of this account. The account owner authorizes the fiduciary to act on behalf of the account owner, but the fiduciary has no ownership interest. The fiduciary is the only authorized party to transact on this account. The fiduciary is expressly authorized to endorse all items payable to or owned by the account owner for deposit with or collection by the Credit Union, and to execute such other agreements and to perform any other account transaction under the Agreement. The account owner authorizes the fiduciary to receive account information from the Credit Union, either orally or in writing, and any other information related to the account. The authority given to the fiduciary shall remain in full force until the Credit Union receives a court order, termination of the account owner, or written notice of revocation by a court-appointed representative of the account owner, or by the Social Security Administration, as applicable. Any such notice shall not affect any items in process at the time we receive notification. The fiduciary will notify the Credit Union of any change in the account owner’s status affecting the deposit relationship between the account owner and the Credit Union. The fiduciary agrees and warrants that all actions he or she takes regarding the account will be for the sole benefit of the account owner. Further, the fiduciary will not conduct any transaction on the account that will personally benefit the fiduciary, and the fiduciary will comply with the terms of all applicable law(s), will, court order, or instrument establishing the fiduciary relationship. The Credit Union may rely upon these representations and warranties and shall have no duty to examine such authorizing documents for compliance or inquire as to the powers and duties of the fiduciary and shall have no notice of any breach of fiduciary duties by the fiduciary unless the Credit Union has actual notice of wrongdoing. The account owner agrees that the Credit Union shall not be liable for any losses due to the account owner’s failure to notify us of any unauthorized acts of the fiduciary or changes to the relationship between the fiduciary and account owner. The account owner and fiduciary agree to indemnify, defend, and hold the Credit Union harmless of any claim, loss, damage, liability or expense (including reasonable attorneys’ fees and costs) as a result of unauthorized acts of the fiduciary upon which the Credit Union relies prior to any actual notice of any account change or change of account owner.

Deposit Requirements

Per the requirements set forth on the accompanying Truth-in-Savings Disclosure, you may deposit funds to any account in any manner approved by the Credit Union. All accounts are non-assignable and nonnegotiable to third parties. You agree not to deposit any substitute check, or similar item that you have created, or for which no financial institution has provided any substitute warranties and indemnity. If you do so, you agree to indemnify, defend, and hold the Credit Union harmless for all losses, damages, liabilities, and/or expenses (including reasonable attorneys’ fees and costs) we incur in connection with the substitute check or item. You agree not to deposit any substitute check without our written consent.

Endorsements: You authorize the Credit Union, at its sole discretion, to accept transfers, checks, drafts, and other items for deposit into any of your accounts, regardless of whether all payees have endorsed them. You authorize the Credit Union to supply missing endorsements if we choose to supply such endorsements. The Credit Union reserves the right at our sole discretion to verify all endorsements on third-party checks presented for deposit either in person or by comparison with member signature files. If insurance, government, and certain other checks or drafts require endorsements as set forth on the back of the check, the Credit Union may require an endorsement as set forth on the check. You must place endorsements in the space between the top edge and one and one-half (1½) inches from the top edge. In its sole discretion, the Credit Union may accept drafts or checks with endorsements outside this space. However, if any such endorsement or other markings you or any prior endorser make on the check cause any delay or error in processing the item for payment, you will be responsible for any loss incurred by the Credit Union due to the delay or error.

Collection of Items: Until we receive them, the Credit Union shall not be responsible for deposits made by mail or at an unstaffed facility. In handling items for deposit or collection, the Credit Union only acts as your agent and assumes no responsibility beyond the exercise of ordinary care. The Credit Union will not be liable for default or negligence of any correspondent or for loss in transit, and each correspondent will only be liable for its own negligence. The Credit Union reserves the right at our sole discretion to send any item for collection. The Credit Union, in receiving items from you for withdrawal or deposit, acts only as your agent and, at our sole discretion, reserves the right to reverse the credit for any deposited items or to charge your account for the items, should they become lost in the collection process.

Account Access

Authorized Access: You authorize the Credit Union to recognize a valid authorization or signature of yours. We will not be liable for refusing to honor any item or instruction of yours if we believe in good faith that the signature on such item or instruction is not genuine. If you open your account electronically and/or do not provide us with a physical signature, you agree that the Credit Union may accept as genuine any signature that appears to be yours without liability. If you authorize the use of a facsimile signature, the Credit Union may honor any draft that appears to bear your facsimile signature, even if an unauthorized person made it. If you give your account number to a third person, you authorize us to honor transactions initiated by the third person, even if you did not specifically authorize a particular transaction.

Access Options: You may make account withdrawals or transfers in any manner permitted by the Credit Union, including but not limited to, by check, ATM, debit card, in person, mail, automatic transfer, digital banking, or telephone). If the Credit Union accepts any check drawn on a form that we do not provide you are responsible for any loss incurred by the Credit Union for handling the check. The Credit Union may return any check not drawn on the form provided by us as unpaid.

Credit Union Examination

The Credit Union may disregard information on any check other than the signature of the drawer, amount of the item, and any magnetic encoded information. You agree the Credit Union does not fail to exercise ordinary care in paying an item solely because its procedures do not provide for sight examination of items.

Children’s Online Privacy Protection Act (COPPA)

COPPA regulates the online collection of information from minors under 13 years of age. If you are a parent or guardian sponsoring a child under 13 years of age for membership, you are consenting to the online collection of your child’s information. If you later decide you oppose this collection of online information, simply let us know and we will close the minor’s account.

Account Rates and Fees

The Credit Union’s payment of dividends on any account is subject to the account rates, fees, earnings, payment, and balance requirements as set forth on the Truth-in-Savings Disclosure and the Fee Schedule. You agree the Credit Union may impose fees for the deposit account services provided by us. We have provided a current Fee Schedule. You agree the Credit Union may change the Fee Schedule from time to time. We will inform you of changes when required by law.

Transaction Limitations

Withdrawal Restrictions: The Credit Union will allow a withdrawal only if you have sufficient available funds in your account to cover the full amount of the withdrawal or if you have an established Overdraft Protection plan. Checks, other transfers, or payment orders drawn against insufficient available funds will be subject to a service fee, as described in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds. The Credit Union may also refuse to allow a withdrawal in other cases. For example, if (the following list is illustrative and not all-inclusive):

• Any dispute between the owners about the account occurs (unless a court has ordered the Credit Union to allow the withdrawal);
• A legal garnishment or attachment is served;
• The account secures an obligation to the Credit Union;
• Any required documentation has not been presented; or
• You do not repay a Credit Union loan on time

We will advise you of the refusal reason(s) if we take such an action. The Credit Union reserves the right at our sole discretion to require you to give written notice of any intended withdrawals from any account (except checks) of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal.

Overdrafts

“Overdraft” means there is not enough available balance in your account at the time a transaction is presented to us for payment. Should an overdraft occur and you have signed up for Overdraft Protection, then we will first attempt to authorize and pay the item by transferring to your Checking Account from any approved Personal line of Credit or your regular savings account. If you have not signed up for Overdraft Protection, or funds are not available in another approved line of credit or savings account when a transaction is presented to us, then we will reject the transaction, or if you have signed up (Opted-In) to our Overdraft Protection we may, at our discretion, elect to pay it using our Overdraft Program.

Overdraft Protection applies automatically (no Opt-In required) when we pay overdraft checks, Automatic Clearing House (ACH described below) transactions, bill pay and other payment transactions, other than one-time or nonrecurring debit card transactions and ATM withdrawals. Overdraft Protection applies to nonrecurring or one-time debit card payment transactions and ATM withdrawals if you have affirmatively consented to Overdraft Protection coverage through an opt-in process. Without your consent, or opt-in, we will not authorize one-time debit card transactions or ATM withdrawals that will result in insufficient available funds in your account.

If we authorize any type of payment transaction and there is an insufficient available balance at the time it is posted to (paid from) your account, then we will charge you an Overdraft Fee. If we decline to pay a check or bill pay transaction, then it will be rejected and you will be charged a Returned Item Fee. You will not be charged any fees if we decline to authorize a debit card payment transaction or ATM withdrawal. Overdraft and Return Item Fees are described in our Fee Schedule, which is updated periodically and is incorporated into this Agreement.

Note: Check and ACH payment transactions that are declined may be presented to us again for payment multiple times until paid. You may be charged a Returned Item Fee each time a transaction is presented for payment, even if it was previously declined and a fee was previously charged. We cannot control how many times an item is presented to us.

The following is important information regarding your account balance, how transactions are authorized and posted to your account, and when an Overdraft Fee or Returned Item Fee will be charged. You should read these disclosures carefully. If you have questions, please contact the Credit Union or visit a branch location.

YOUR CHECKING ACCOUNT BALANCE. Your checking account has two balances: the “actual” balance and the “available” balance. Both can be checked when you review your account online, on our mobile banking application, at an ATM, or at a branch. It is important to understand how the two balances work so that you know how much money is in your account at any given time. This section explains actual and available balances and how they work.

The actual balance is the full amount of all deposits, even though some portion of a deposit may be on hold and may not be available to you, less payment transactions that have “posted” to your account, but not payment transactions that have been authorized and are pending.

Your available balance is the amount of money in your account that is available to you to use. The available balance is the actual balance less things like holds placed on deposits and pending transactions (such as debit card purchases) that the Credit Union has authorized but that have not yet posted to your account.

We use available balance at the time transactions are presented to us to decide whether to authorize them for payment. We also use the available balance at the time transactions are posted and actually paid (not when they are authorized) to decide whether to charge Overdraft fees.

HOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT. There are basically two types of transactions in your account: credits, or deposits of money into your account, and debits, or payments out of your account.

• Checks. When you write a check, it is processed through the Federal Reserve System. We receive data files of cashed checks from the Federal Reserve each day. The checks drawn on your account are compiled from these data files and posted to your account each day. We process the payments in the order they are received.
• ACH Payments. We receive data files every day from the Federal Reserve with Automated Clearing House or ACH transactions. These include, for example, automatic bill pays you have signed up for. Each day, ACH transactions for your account are grouped together and posted in the order they are received.
• ATM Withdrawals or Transfers. These are posted and money is withdrawn from or paid from your account in real time when the transaction is completed at an ATM.
• Point of Sale (POS) Debit Card PIN Transactions. These are transactions where you use your debit card and you enter your PIN at the time of the sale. They are similar to ATM withdrawals because money is usually deducted from your account immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends upon the merchant.
• Signature Debit Card Transactions. These are transactions where you make a purchase with your debit card and you are typically asked to sign for the purchase. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we generally place a temporary hold against the available funds in your account. We refer to the temporary hold as an “authorization hold” and the amount of the authorization hold will be subtracted from your available balance. Authorizations are deducted from your available balance but not your actual balance as they are received by us throughout each day. At some point after you sign for the transaction, it is processed by the merchant and submitted to us for posting to your account.
• Debit card transactions can be recurring or nonrecurring. Recurring transactions are where you use your debit card to set up a recurring monthly payment, such as a gym membership. Nonrecurring transactions are one time transactions that are authorized each time you use your debit card. We will rely on how the merchant characterizes the transaction for purposes of processing it.

This is a general description of how certain types of transactions are posted. These practices may change and we reserve the right to pay items in any order we choose as permitted by law.

The best way to know how much money you have and avoid paying overdraft or returned item fees is to record and track all of your transactions.

Post- or Stale-Dated Checks

You authorize us to accept and pay any check, even if it is presented for payment before or after its date.

Stop-Payment Orders

Stopping Payment Requests: You may ask the Credit Union to stop payment on any check or ACH debit drawn upon or scheduled from your checking account. You may request a stop payment via Digital Banking, telephone, mail, or in person:

• For checks, the stop payment will be effective if the Credit Union receives the order in time for us to act upon it and if you state the account number, date, and check number; its exact amount; and to whom you issued it.
• For ACH debits, we must receive the stop-payment order at least three (3) business days before the scheduled date of the transfer. You must state the account number, date, and the exact amount of the item, as well as the number of the item or originator of the ACH debit.

Duration of Order: A written stop-payment order on a check will be effective for six (6) months. You may renew a written stop-payment order in writing. A written stop-payment order on an ACH transaction will continue until the entry is returned or until you cancel the stop-payment order.

Liability: The Credit Union may charge a fee for each stop-payment order requested, as set forth in the Fee Schedule. You may not stop payment on any certified check or draft, cashier’s check, teller’s check, or any other check, draft, or payment guaranteed by the Credit Union.

Credit Union’s Liability for Errors

The Credit Union will not be liable if:

• Through no fault of the Credit Union, your account does not have sufficient available funds to make the transaction;
• Circumstances beyond the Credit Union’s control prevent the transaction;
• Your negligence causes the loss, including your failure to examine your statements;
• The negligence of another financial institution; or
• The funds in your account are subject to legal process or another claim.

Credit Union’s Lien and Security Interest

To the extent, you owe the Credit Union money as a borrower, guarantor, endorser, or otherwise, the Credit Union has a lien on any or all of the funds in any account in which you have an ownership interest at the Credit Union, regardless of the source of the funds. The Credit Union may apply these funds in any order to pay off your indebtedness without further notice to you. If the Credit Union chooses not to enforce its lien, we retain our right to enforce the lien later. In addition, you grant the Credit Union a consensual security interest in your accounts and agree the Credit Union may use the funds from your accounts to pay any debt or amount owed to the Credit Union, except obligations secured by your dwelling, unless prohibited by applicable law. All accounts are non-assignable and nontransferable to third parties without our prior written consent.

Legal Process

If the Credit Union receives any legal action against your account, such as a levy, garnishment, or attachment, we may refuse to pay any money from your account until the dispute is resolved. If the Credit Union incurs any expenses or attorney fees in responding to legal processes, we may charge such expenses against your account without prior notice to you, unless prohibited by law. Any legal process against your account is subject to the Credit Union’s lien and security interest.

Account Information

Upon your written request, the Credit Union will inform you of the name and address of each credit-reporting agency from which we obtain a credit report in connection with your account.

Notices

Name or Address Changes: It is your responsibility to notify the Credit Union of a change of address or change of name. The Credit Union is only required to attempt to communicate with you at the most recent address you provided to us. The Credit Union will accept address change notices and any other notice from you to us only if provided in writing, in person, or through Digital Banking. If the Credit Union tries to locate you, we may impose a service fee as set forth in the Fee Schedule.

Amendments: Except as otherwise prohibited by applicable law, the terms of this Agreement are subject to change at any time at our sole discretion. The Credit Union reserves the right at our sole discretion to waive any term in this Agreement. Any such waiver shall not affect the Credit Union’s right to enforce any right in the future.

Effect of Notice: Any written notice you give to the Credit Union is effective when we receive it. The Credit Union reserves the right at our sole discretion to accept oral instructions. Any written notice the Credit Union gives to you is effective when we deposit it in U.S. Postal Service mail, postage-prepaid, and addressed to your address on record with the Credit Union. Any electronic notice the Credit Union sends to you is effective when we transmit it to the email address on record with the Credit Union. We consider notice to any, one account owner as notice to all account owners.

Negative Information Notice: We may report information about your loan, share, or deposit accounts to credit bureaus. We may reflect late payments, missed payments, or other account defaults in your credit report.

Electronic Signatures: You understand and agree that your electronic consent, execution, or authorization is your electronic signature, which specifically records your signature and assent to the Membership and Account Agreement and constitutes your agreement to the terms and conditions of the Agreement.

Consent to Communications: By providing an email address, telephone number, or cellular or other wireless device number, you are expressly consenting to receiving communications at that address or number. This includes, but is not limited to, prerecorded or voice mail message calls, text messages, and calls made by an automatic telephone dialing system from us, our affiliates, or agents. You may revoke this authorization at any time by providing the Credit Union with your written revocation.

Taxpayer Identification Number (TIN) and Backup Withholding

If your account is, or becomes, subject to backup withholding, applicable law requires the Credit Union to withhold and pay to the Internal Revenue Service (IRS) a required percentage of payments of interest, dividends, and certain other payments under certain conditions. Your failure to furnish a correct TIN or meet other applicable requirements may result in backup withholding, as well as civil or criminal penalties. If you refuse to provide your TIN, the Credit Union may delay the opening of your account.

Statements

Contents: If the Credit Union provides a statement of your account, you will receive a periodic statement of all transactions and activity on your account during the statement period. For checking accounts, you understand that, when paid, any original or substitute check becomes property of the Credit Union and we will not return it to you. Electronic check copies are available via digital banking for the applicable retention period.

Examination: You are responsible for examining each statement and reporting any irregularities to the Credit Union. The Credit Union will not be responsible for any forged, altered, or unauthorized check or items drawn on your account if:

• You fail to notify the Credit Union within thirty (30) days of the mailing date of the earliest statement and availability of checks containing any forgery, alteration, or unauthorized signature on the item; or
• Any items forged or altered in a manner not detectable by a reasonable person, including the unauthorized use of a facsimile signature machine.

Electronic Documents, including Online Statements: If you have elected to receive your account documents electronically, your account statement(s) will be available through Digital Banking to access, review, print, and otherwise copy or download by the fifth of each month for the previous period’s statement.

Limitation of Time to Commence Action: Any action or proceeding by you to enforce an obligation, duty or right arising under this agreement or by law with respect to your account or any account service must be commenced within either: (1) one year after the cause of action accrues, or (2) the minimum amount of time that can be contractually agreed to under applicable law, whichever is greater.

Dormant and Abandoned Accounts

If you have an account you have not made a withdrawal from, deposit to, renewal of, or transfer to or from for more than twelve (12) months, the Credit Union may classify your account as inactive and may charge a dormant account service fee, as allowed by applicable law and as set forth on the Fee Schedule. As required by the Uniform Unclaimed Property Act, if you do not make an account deposit or withdrawal, you have not otherwise indicated an interest in the account, or the Credit Union has had no other contact with you within three (3) years, we will presume the account abandoned. We will remit abandoned account funds in accordance with state law.

Death of Account Owner

You irrevocably waive the right to make a testamentary disposition of any account with the Credit Union, now and in the future. Upon your death, your account will be payable in accordance with any existing account designations and the terms of this Agreement. Once the Credit Union learns of a member’s death, we may pay checks, or honor other payments or transfer orders authorized by the deceased member, for a period of ten (10) days, unless the Credit Union receives instructions from any person claiming an interest in the account to stop payment on the checks or other items.

Termination of Account

The Credit Union may terminate your account at any time without notice to you or may require you to close your account and apply for a new account if:

• There is a change in owners or authorized signers;
• There has been a forgery or fraud reported or committed involving your account;
• There is a dispute as to the ownership of the funds in the account;
• Any account checks are lost or stolen;
• If there are excessive returned, unpaid items not covered by an overdraft plan;
• If there has been any misrepresentation or any other abuse of any of your accounts;
• You are the cause of or support abusive behavior directed at Credit Union employees;
• We reasonably deem it necessary to prevent a loss to us;
• If you engage in any activity of betting or wagering or are otherwise engaged in any Internet gambling business; or
• Any owner or authorized user causes the Credit Union to suffer a loss.

Termination of Membership

You may terminate your Credit Union membership after giving written notice of your intent to withdraw. We may expel you if:

• There has been any misrepresentation or any other abuse on any of your other accounts;
• You fail to comply with Credit Union Policies;
• You conduct yourself in a threatening or abusive manner to Credit Union personnel; or
• You willfully damage Credit Union property.

Governing Law

This Agreement is governed by the Credit Union’s Bylaws, federal laws and regulations, the laws and regulations of the state of Nevada, and the state in which you reside, as applicable, and clearing house rules, as amended from time to time.

Arbitration and Waiver of Class Action

You and we agree that we shall attempt to informally settle any and all disputes arising out of, affecting, or relating to your accounts, or the products or services the credit union has provided. If the Claims cannot be resolved informally, then you agree that any and all Claims shall, at the election of either you or us, be resolved by binding arbitration administered by National Arbitration and Mediation (“NAM”) in accordance with its applicable rules and procedures for consumer disputes (“Rules”). The Rules can be obtained on the NAM website free of charge at www.namadr.com; or, a copy of the Rules can be obtained at any credit union branch upon request.

AS A RESULT, IF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT).

Class Action Waiver. ANY ARBITRATION OF A CLAIM SHALL BE ON AN INDIVIDUAL BASIS. YOU UNDERSTAND AND AGREE THAT YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION LAWSUIT.

Severability. In the event the Class Action Waiver in this Arbitration Provision is found to be unenforceable for any reason, the remainder of this Arbitration Provision shall also be unenforceable. If any provision in this Arbitration Provision, other than the Class Action Waiver, is found to be unenforceable, then the remaining provisions shall remain fully enforceable.

Funds Availability Policy

General Funds Availability Policy

For all accounts, except transaction accounts, we reserve the right, at our sole discretion, to place reasonable holds on deposited funds, to the extent allowed by law. For transaction accounts, our general policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can use them for all account transactions. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays.

Reservation of Right to Hold

In some cases, we will not make all the funds you deposit by check available to you on the next business day. Depending on the type of check deposited, such as large checks without available funds or those from third parties, funds may not be available until the second business day. However, the first $275 of your deposit may be available on the first business day. In the event we do not make the funds available on the first or second business day due to a covered Regulation CC reason, we will notify you.

Holds on Other Funds

If we cash a check for you drawn on another financial institution, we may withhold the availability of a corresponding amount of funds already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept a check for deposit drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw the corresponding amount of funds you have on deposit in another account with us.

Longer Delays May Apply

We may delay your ability to withdraw funds deposited by check into your account for an additional number of days for these reasons:

• We believe a check you deposit will not be paid;
• You deposit checks totaling more than $6,725 in any, one (1) day;
• You deposit a check that has been returned unpaid;
• You have overdrawn your account repeatedly in the last six (6) months; or
• There is an emergency, such as communications or computer equipment failure.

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. They will generally be available no later than seven (7) business days after the deposit date.

Special Rules for New Accounts

If you are a new member, the following special rules may apply during the first thirty (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 cash deposits, wire transfers, and the first $6,725 of a day’s total deposits of cashier, certified, teller, travelers, federal, state, and local government checks, will be available on the first business day after the day of your deposit if the deposit meets certain conditions. Any excess funds over $6,725 will be available on the ninth business day after the day of your deposit.
• Funds from all other check deposits will be available on the ninth (9th) business day after the deposit date.

Deposits at Non-Proprietary ATMs

Funds from any deposits (cash or check) made at ATMs we do not own or operate will not be available until five (5) business days after the date of deposit. This limit does not apply to ATMs we own or operate. The Credit Union identifies all ATMs we own or operate accordingly.

Foreign Checks

We do not accept foreign checks.

Mobile Deposits

The Credit Union places an immediate hold on checks deposited through the Mobile Deposit services. Depending on the type of check that you deposit, funds may not be available until the tenth business day after the deposit date.

Electronic Services

The Credit Union offers a variety of electronic services. By establishing and/or using electronic services, you agree to the following terms, conditions, and any amendments governing your and our rights and responsibilities concerning these services.

Electronic Statement and Document Delivery

Scope of Communications: Law, regulation, and/or agreement require the Credit Union to provide you certain Communications “in writing”. With your consent, we offer you the option to receive these Communications by Electronic Delivery. By enrolling in the Credit Union’s Electronic Statement and Document Delivery service, you agree to receive all Communications relating to your membership and accounts via electronic delivery. Communications include, but are not limited to the following:

• All legal, regulatory, or other disclosures associated with an Account or Service.
• All periodic statements for an Account or Service, along with any notices related to such statements that we are required or permitted to include with paper statement.
• All other documentation relevant to an Account or Service, including agreements, amendments, account opening documentation, billing statements, policies and procedures, including our Privacy Policy, terms and conditions, authorizations, updates, notices, responses to claims, transaction history, Individual Retirement Account and Employee Retirement Income Security Act information.
• Member material including proxy materials, periodic reports, tender offer materials, corporate actions, fact sheets, newsletters, announcements, and other similar disclosures, materials, or information.
• Investments materials, including any Communication or disclosures required or permitted to be delivered to you in connection with any investment, strategy, opportunity, or securities transaction.
• Tax forms and reports relevant to an Account or Service, including tax forms, which we are required or permitted to deliver via Electronic Delivery including, but not limited to, forms in the 1098 and 1099 series and Schedules K-1.
• Communications for advisory or managed Accounts or Services.
• Marketing materials.
• Any other documents or other information required to be provided “in writing” or that we otherwise provide to you, or that you sign, submit, or agree to at our request, in connection with your relationship with us.

Enrollment: The Credit Union must receive your affirmative consent to send documents to you electronically. Once you enroll, the Credit Union will continue to send your Communications electronically until you tell us otherwise. To receive Communications via postal mail, do not enroll in E-Documents.

Method of Delivery: We will provide all electronic Communications by one or more of the following methods: via electronic messaging such as email or SMS text or push notifications to your mobile device; via access to a website; via our mobile applications; or by requesting you to download other specified electronic files.

Email Address on File: It is your responsibility to provide and maintain a true and valid email address on file. You can update your email address on file by logging into Digital Banking, by calling 800-388-3000, or by visiting a local branch.

Withdrawing Consent. You may withdraw your consent to receive electronic Communications at any time within Digital Banking by selecting Statement & Document Delivery, by calling 800-388-3000, by mailing us at 2645 S Mojave Road, Las Vegas, NV 89121, or by visiting a local branch.

Electronic Funds Transfer (EFT) Services

General Service Terms: EFT services are electronically initiated money transfers involving your Credit Union deposit accounts and include, but are not limited to, ACH, Wire Transfers, Direct Deposit, Electronic Checks, ATM Transfers, Online and Phone Banking Transfers, External Transfers, Bill Payments, and Send Money transactions.

Our Liability: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for losses or damages. In no case will we be liable for any indirect, special, consequential, or incidental damages. We will NOT be liable if:

• Through no fault of our own, you do not have enough money in your account to make the transfer.
• The transfer would go over the credit limit on your overdraft line.
• The automated teller machine where you are making the transfer does not have enough cash.
• The terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• Circumstances beyond our control, including but not limited to legal process; labor unrest; computer or other equipment failure; interruption of communication facilities; civil unrest or disturbance; emergency conditions; or potential violation of any guideline, rule, or regulation of any government authority prevent the transfer, despite reasonable precautions we have taken.

Member Liability: You are responsible for all transfers you authorize using EFT services under this Section II. If you permit other persons to use an EFT service, card, PIN, or access code, you are responsible for any transactions they authorize or conduct on any of your accounts. Inform us immediately if you believe anyone has used your account, card, PIN, or access code and accessed your accounts without your authority.

For debit card, purchase transactions, if you notify us of your lost or stolen card, you may not be liable for any losses. For all other EFT transactions except electronic check transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use, you could lose as much as $500.

Billing Errors and Error Resolution: In case of errors or questions about your electronic transfers (excluding Mobile Deposit transactions), call us at 800-388-3000 or write us at the address listed below as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

ACH Transfers

Transfer Types: You may use ACH services to perform the following transactions:

• Make deposits to your share/savings or share draft/checking account.
• Make loan payments.
• Pay bills directly from your share/savings or share draft/checking accounts in the amounts and on the day you request.
• Authorize a merchant to convert your share draft/check to an electronic fund transfer initiating a debit to your share draft/checking account for the purchase amount.
• Authorize a merchant to debit your share draft/checking account for returned check fees.

Wire Transfers

Domestic Wire Transfers: You may initiate a domestic wire transfer from your account. Our domestic wire transfer cut-off hours coincide with San Francisco Federal Reserve Bank fed wire cut-off times. We will charge your account for any authorized funds transfer amount, including any wire transfer fees, as set forth on the Fee Schedule. The Consumer Financial Protection Bureau’s Regulation E governs international wire transfers.

Security Procedures: You agree any wire transfer order will be subject to the agreed security procedures including photo identification requirements, signature verification, data/password verification, use of a personal identification number (PIN) verification, and agreed callback procedures.

Direct Deposits

The Credit Union may offer direct deposit options allowing you to preauthorize deposits (e.g., payroll checks, Social Security Administration or retirement checks, or other government funds) or transfers from other accounts at the Credit Union. You must authorize any direct deposits to your accounts by a separate authorization method.

ATM Card Transactions

You may use your One Nevada Debit Card and PIN at Credit Union ATMs and other machines we may designate. You may use your card to make the following account transactions:

• Withdraw cash from your savings or checking accounts.
• Transfer funds between your savings or checking accounts.
• Make account balance inquiries.
• Make loan payments from savings or checking accounts.
• Make deposits to your savings or checking accounts

Unauthorized ATM Transfers: Tell us AT ONCE if you believe your ATM card and/or PIN have been lost or stolen. You can call us at 800-388-3000 or write us at 2645 S Mojave Rd, Las Vegas, NV 89121.

Debit Card Services

You may use your Debit Card to buy goods and services at any participating merchants who honor it, including at POS terminals within the networks or such other POS terminals as the Credit Union may designate. The Credit Union will deduct funds to cover your card purchases from your checking account. If your Available Balance is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to our Overdraft Protection service.

Unauthorized Transfers: Tell us AT ONCE if you believe your Debit Card and/or PIN have been lost, stolen, or compromised. If you notify us within two (2) business days, you can lose no more than $50 if someone used your Debit Card and/or PIN without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft, you can lose as much as $500.

Digital Banking Services

Digital Banking services include Online and Mobile App banking from any Internet-based device including personal computers, tablets, mobile devices, and smart watches. You can enroll for Digital Banking services either during or after the account opening process via onenevada.org or through our Mobile App. When available, you may use Digital Banking to:

• Transfer funds between your checking, savings, or loan accounts.
• Transfer funds to other members’ accounts once set up.
• Obtain your account balances.
• Communicate with the Credit Union using Digital Banking messaging.
• Establish and pay bills.
• Transfer funds to and from an external checking or savings account as a bank-to-bank transfer.
• Review account balance, transaction history, current rate, and tax information for any of your deposit accounts.
• Make person-to-person payments.
• Make mobile deposits.
• Manage how and where you can use your debit and/or credit cards.
• Manage contact information, password, and other login credentials including your secure access code (SAC).
• Choose your preferred delivery for statements and account notices.

Bill Pay Services

Upon our approval, you may use Bill Pay services. The Credit Union will make its best effort to ensure the Bill Pay service is accessible seven (7) days a week. The online address for the Bill Pay service is https://onenevada.org.

Payment Scheduling: The Bill Pay service will designate the Scheduled Payment Date for each Payee within the application when you are scheduling the payment, which may be up to ten (10) business days. You must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day.

Prohibited Payments: The Service prohibits payments to Payees outside of the United States or its territories, and it is unlawful to use this system to transfer money to any person or organization listed on the OFAC Specially Designated Nationals list.

Send Money Service

The Send Money service empowers you to send money via Digital Banking to others using a cell phone number or an email address through the Neural Payments network and third party platforms. Sending money does not require you to have a Neural Payments Account.

Fees: We do not currently charge a fee for Send Money transfers.

Mobile Deposit Service

The Credit Union’s Mobile Deposit service allows you to make Eligible Item deposits to your Credit Union checking, savings, or money market savings accounts using an Eligible Device to transmit item images and deposit information to us. There is currently no charge for the Mobile Deposit Services.

Endorsement Requirement: Prior to capturing any item through the Mobile Deposit Service, you are to restrictively endorse the original item by writing “For Mobile Deposit Only, One Nevada Credit Union, account #______________”, on the back of the check, check the on-screen box, or as otherwise instructed by us.

Storage and Destruction of Original Items: Once you receive confirmation that the Credit Union has received your item image and successfully deposited the funds to your account, you may properly dispose of (shred) the item to avoid re-presentment.

Short Message Service (SMS) and Short Code (Text)

Service Terms: By providing your mobile phone number to us, you have provided consent to send you account-related text messages. The Credit Union may contact you via the SMS Short code channel regarding account security activities, higher risk transactions, and multi-factor authentication challenges.

How to Opt-Out: You may withdraw your consent to receive account text messages by replying STOP at any time to any account text you receive from us. Please note that you cannot opt-out of fraud alerts.

Voice Banking

Voice Banking allows you to use your voice-enabled devices, such as Amazon Alexa or Echo and Google Home devices, to communicate with the Credit Union by voice regarding your account(s). Any communication to the Credit Union via your voice-enabled device will be treated by us as a communication authorized by you.

Credit Score Monitoring

As a feature of your digital banking account, we will provide you with your credit score and report. This is a soft pull and will not affect your credit score. You authorize our partner, SavvyMoney, Inc., to continuously obtain your credit report and use the information to verify your identity, provide you with financial education, and invite you to apply for products and services made available by us.

Third-Party Services

The Credit Union provides the services to Credit Union members through third-party service providers. Upon enrollment in third-party electronic services, you will be provided with the Terms and Conditions for those services. Please read the disclosures carefully. You will be required to “accept” the Terms and Conditions in order to use the services.

Privacy Notice

Fee Schedule as of January, 2026

We’ll fully explain and/or disclose other fees for special requests or services at the time of request. Fees subject to change.

Account Disclosures

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts.

Rate Information

The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Savings, Money Market, Money Market IRA, and Preferred Money Market accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Money Market and Money Market IRA accounts are Tiered Rate accounts. If your Average Daily Balance is from $0 to $4,999.99, the first Dividend Rate and Annual Percentage Yield listed in the Rate Schedule will apply. If your Average Daily Balance is from $5,000 to $24,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Average Daily Balance is $25,000 or more, the third Dividend Rate and Annual Percentage Yield listed for this account will apply.

Nature of Dividends

We pay dividends from current income and available earnings after required transfers to reserves at the end of the dividend period.

Dividend Compounding and Crediting

The compounding and crediting frequency of dividends and the dividend period applicable to each account are as stated on the previous page. The Dividend Period is the time period at the end of which an account earns dividend credit. The Dividend Period begins on the first and last calendar day of the period.

Dividend Accrual

For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit. If you close your account before we credit accrued dividends, you will not receive the accrued dividends.

Balance Information

To open any account, you must deposit, or already have on deposit, at least the par value of one full share in a Share Savings account. The par value amount is $5. Some accounts may have additional minimum opening deposit requirements. For Share Savings accounts, there is a minimum Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period. For Money Market or Money Market IRA accounts, there is a minimum Average Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period.

Account Limitations

For Money Market IRA accounts, you may not make any withdrawals or transfers to another credit union account or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction, or similar order to a third party. The Preferred Money Market account is a relationship-based account. To open this account, you must fund an investment account or insurance product, as offered through our broker/dealer, CUSO Financial Services, L.P. (CFS). To maintain access to this account you must have established an investment position (via equity shares and/or mutual funds or an annuity contract) of at least $25,000 from the date that you open the Preferred Money Market account. The NCUA/NCUSIF federally insures deposits maintained in the Preferred Money Market account up to $250,000.

For Share Certificate accounts, you may not make any account additions until the maturity date stated on the account. You may make principal withdrawals from your account before maturity only if we agree at the time you request the withdrawal. We may impose early withdrawals penalties for withdrawals before account maturity. If your account has an original maturity of one year or less, the penalty we may impose will equal 90 days’ dividends on the amount withdrawn subject to penalty or dividends since date of issuance, whichever is less. If your account has an original maturity of more than one year, the penalty we may impose will equal 180 days’ dividends on the amount withdrawn subject to penalty or dividends since date of issuance, whichever is less.

Overdrawn Account Fees

We may impose fees on each check, draft, item, ATM card withdrawal, debit card purchase, preauthorized automatic debit, telephone-initiated withdrawal, or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. We may impose fees for overdrawing your account for each overdraft, regardless of whether we pay or return the draft, item, or transaction. Please refer to the Fee Schedule for current fee information.

Truth-in-Savings Disclosure as of August 2026

The rates, fees, and terms applicable to your account are provided with this Truth-in-Savings Disclosure. One Nevada may offer other rates from time to time.

*$2,000 average daily balance OR complete 15 signature-based, debit card transactions monthly to avoid fee.