Three Rivers Federal Credit Union v. Alexis A McCowan

This Agreement, the Truth-in-Savings Act Rate and Fee Disclosure explain the rules that govern your account(s) and account services with us. Please

read these information pieces carefully and keep them in a safe and convenient place.

Your relationship with the Credit Union is also governed by state and federal laws, which may change from time to time. The body of law is too large

and complex to be reproduced here. The purpose of this Agreement is to: (1) summarize the rules applicable to common Transactions; (2)

establish rules to govern Transactions not regulated by state and federal law; (3) establish variations that will apply to certain rules, events

or Transactions permitted by applicable law; and (4) provide you with certain disclosures and information regarding our policies as required

by law. By signing a Master Membership Application and Signature Card or your use or continued use of any account or account services

after receiving this Agreement, notice of its availability or notification of any change in terms, you, jointly and severally, agree that you

understand and agree to the terms and conditions stated in this Agreement, the Truth-in-Savings Act Rate and Fee Disclosure, as amended

from time to time. If you have any questions regarding any term or condition in this Agreement, please ask us before signing the Master

Membership Application, any application or using any of our services.

ARBITRATION AND CLASS ACTION WAIVER. Please note that this Agreement containsa binding Arbitration and Class Action Waiver provision

which affects your rights with respect to any claims or disputes by or against Three Rivers Federal Credit Union. Please closely review the

Arbitration and Class Action Waiver section of this Agreement. You may opt out by following the specified process within the specified

timeframe.