text:
Important Information About Procedures For Opening a New Account
General Terms, Conditions and Disclosures
Savings, Looney Tunes, Holiday Club
and Individual Retirement Savings (IRA) Accounts
All Checking Accounts
AnyAccess Checking Accounts
EZAccess Checking Accounts
Lighthouse Relationship Plans
AccessBuilder Checking Accounts
Money Management Accounts
Electronic Transfer Accounts
Business Accounts
Funds Availability Policy and Disclosure
Electronic Funds Transfers and Related Services
Automated Clearing House (ACH) Services
Visa Check Card Transactions
Bill Pay Online
Safety Considerations for the Use of EFT Terminals and Access Devices
Notice of Financial Privacy Rights
In this Membership Agreement and All-In-One Disclosure
("Agreement and Disclosure"), the words "I", "me", "mine", "my",
"us" and "our" mean each and all of those (whether one or more
persons) who are subject to this Agreement and Disclosure as a
result of signing a Membership Application and/or a Signature
Record for one or more deposit accounts with you. The words
"you", "your", and "yours" mean Point Loma Credit Union. The
words "Account" and "Accounts" mean any account(s) or
sub-account(s) that I have established with you.
Your "Schedule of Fees and Charges", "Schedule of Share and Share Draft Account Rates" and my executed "Membership Application and
Signature Record" accompany this Agreement and Disclosure and
are incorporated by this reference and others herein.
To help the government fight the funding of terrorism and
money laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that identifies
each person who opens an account. What this means for
me: When I open an account, you will ask for my name,
address, date of birth, and other information that will allow you
to identify me. You may also ask to see my driver's license
or other identifying documents.
I understand that a member who is not in good standing may
be expelled from membership in accordance with your Bylaws.
2. Inactive Member Status. If my primary share Account falls
below $5.00 and I do not have any outstanding loans with
you, you may transfer me to inactive member status. As an
inactive member, I will not be counted as a member for the purpose
of determining quorums or required votes and will not be
sent annual reports or financial statements except upon
3. Enforcement of Terms. Your delay in enforcing any of the
terms and conditions of this Agreement and Disclosure shall
not prohibit you from enforcing such terms and conditions at a
later date.
4. Changes in Terms. You will provide me with 30 days written
notice prior to exercising your right to change any provision
of or establish new provisions to this Agreement and
Disclosure. Prior notice may not be given where an immediate
change in terms or conditions is necessary to maintain the
integrity of electronic delivery systems and/or the security of
electronic access devices (e.g., ATM Cards or Visa Check
Cards) or designated Accounts.
5. Business Days. I understand that for the purposes of this
Agreement and Disclosure, your business days are Monday
through Friday. Federal holidays are not included.
6. Nature of Dividends. Dividends are paid from the Credit
Union's available earnings, after required transfers to reserves
at the end of the dividend period.
7. Dividend Period. Unless otherwise noted, the dividend period
is monthly, beginning on the first calendar day of the month
and ending on the last calendar day of the month.
8. Dividend Rates. I will refer to your Schedule of Share and
Share Draft Account Rates for specified dividend rate(s) for
each type of dividend-bearing Account. I understand that dividend
rates and Annual Percentage Yields may change every
dividend period as determined by the Board of Directors.
9. Balance Computation Method. Dividends are calculated
by the daily balance method, which applies a daily periodic
rate to the principal in the Account each day.
10. Compounding and Crediting (Except for Share
Certificates). Dividends for dividend-bearing Accounts will
be compounded daily and will be credited monthly. For such
Account types, the dividend period is monthly. For example,
the beginning date of the first dividend period of the calendar
year is January 1 and the ending date of such dividend period
is January 31. All other dividend periods follow this same
pattern of dates. The dividend declaration date is the ending
date of a dividend period, and for the example is January 31.
Dividends are paid at the end of the dividend period, and for
the example is January 31. If dividends are scheduled to be
paid on a date that is not a business day, dividends will be
paid on the next business day. If I close my Account before dividends
are credited, I will receive the accrued dividends. I will
refer to my Share Certificate Agreement and Disclosure for dividend
compounding and crediting information pertaining to
my Share Certificate account.
11. Accrual of Dividends on Non-Cash Deposits.
Dividends will begin to accrue on the business day I deposit
non-cash items (e.g., checks) into my Account.
12. Crediting of Non-Cash Deposits. All non-cash payments
shall be credited on the day of deposit, subject to final payment.
Such funds may not be available for immediate withdrawal.
For further details, I will refer to the Funds Availability
Policy and Disclosure found herein.
13. Duty to Examine Statements and Report Errors. You
will mail all statements and other notices only to the person
whose signature appears first on the Account Signature
Record. I will examine my statements in a timely manner and
with reasonable care. I will notify you within 60 days of the
date of the statement about any error or unauthorized payment,
including, but not limited to, an altered item or an unauthorized
signature. If I fail to uphold these duties, I understand
and agree that I am precluded from asserting the error or
unauthorized payment against you if you:
If I fail to uphold my duties but I can prove that you failed to
exercise ordinary care in the payment of the relevant items,
then the above preclusion will not apply and the loss on the
items will be allocated between you and me to the extent our
respective actions contributed to the loss. If I have failed to
examine my statement and report any unauthorized item within
one year after my statement or the item has been made
available to me, I cannot recover from you even if you failed
to exercise ordinary care in paying the item.
14. Electronic Statements and Disclosures. If I have provided
you a written request to receive my Account statements and
any pertinent disclosures electronically, I understand that I will
receive the electronic version in lieu of the paper copy that you
would have mailed or otherwise delivered to me. I further
understand that I must provide you with a current Internet
e-mail address in order to obtain this service and hereby certify
that I have the ability to access such communications from
you. It is my responsibility to safeguard my statements and disclosures
whether I choose to maintain them in an electronic format
or print paper copies. In the event any attempt by you to
send statements or disclosures to the e-mail address that I have
provided to you is unsuccessful, you will make a reasonable
attempt to redeliver such items to me, whether redelivery be by
e-mail to another address that you have for me on file or by
postal delivery. If your attempt to redeliver such items to an
alternative e-mail address is unsuccessful, my request to
receive them electronically will be considered withdrawn.
15. Account Termination. I may terminate my Account(s) at
any time. I understand and agree, however, that your authority
may not be changed or terminated except by WRITTEN
notice from any owner and that such termination will not affect
prior transactions. In addition, if you receive WRITTEN notice
from any owner that withdrawals, in accordance with the
terms of the Account, should not be permitted, you may refuse,
without liability, to pay any sums on deposit pending determination
of the rights of the owners. Further, if there is more than
one owner and there is a conflict among us, you may require
the signatures of all owners. Such written notice(s) shall
become effective only upon receipt and after you have had a
reasonable opportunity to act thereon.
16. Collection Costs. I agree to pay your collection costs, reasonable
attorney's fees and any court costs associated with
your efforts to collect amounts due to you in connection with
my Account(s).
17. Signature Authority. You may recognize the signature of
anyone who signed the Account Signature Record as authorized
to transact business on that Account, including, but not
limited to, the causing or making of overdrafts (for which all of
us shall be liable) and endorsement of checks payable to any
signer on the Account. Any payment made on my Account by
you in good faith and in reliance on the terms and conditions
of this Agreement and Disclosure and the Account Signature
Record shall be valid and you are discharged from liability.
18. Notice of Withdrawal. You reserve the right to require me
to give not less than seven (7) and up to sixty (60) days WRITTEN
notice of my intention to withdraw funds from any
Account other than a checking account.
19. Change of Address. I understand that I am required to
keep you informed of my current address and agree to notify
you of any change of address within two (2) weeks of the date
the change becomes effective. I may notify you in person at
your office or by sending a signed notice to Point Loma Credit
Union, 9420 Farnham Street, San Diego, CA 92123-1321. If
I fail to provide such notice, you may charge my Account for
the actual cost, not to exceed $5.00, of a necessary locator
service paid to a person or concern normally engaged in providing
such service and incurred in determining my address.
This charge will be imposed as disclosed in the Schedule of
Fees and Charges and in accordance with your Bylaws.
20. Fees and Charges. I will refer to your Schedule of Fees and
Charges for disclosure of the fees and charges that may be
assessed against my Account, including any fees related to
electronic funds transfer services. You shall debit such charges
against any Account I own, including Accounts on which I am
a joint owner, except my IRA Accounts. If there are insufficient
funds available, the charges are payable on demand and may
be treated as an overdraft.
I understand that certain Federal and State penalties apply to
amounts withdrawn from IRA Accounts.
Except for Bill Pay Online, electronic funds transfer fees are
assessed at the time of the transfer. I understand that the Bill
Pay Online fee is a fixed fee that will be charged to my
Account at the end of each month regardless of whether or not
the service was used during the billing cycle.
21. Inactive Accounts. I understand that California law requires
you to turn all inactive Account balances over to the state after
a period of three (3) years if I have not:
I further understand and agree that if my Account has been
inactive for 18 months, I will be assessed a monthly inactive
account fee as disclosed in your Schedule of Fees and
Charges. In accordance with California law, I will not be
assessed an inactive account fee for more than 18 consecutive
22. Order of Posting. You may, without liability, accept, pay,
guarantee or charge checks and other debits to my Account in
any order convenient to you. Similarly, you may post deposits
and other credits in any order convenient to you.
23. Deposits, Checks and Other Account Access Devices.
I understand and agree that you may reject any deposit, check
or other Account access device that does not meet your standards
for acceptance, whether law, regulation or your policy
establishes such standards.
24. Restricted Endorsements. You are neither given notice of
nor otherwise affected by a restrictive endorsement of any person
or entity except your immediate transferor.
25. Missing Endorsements. You may endorse checks or drafts
for me that you receive for deposit.
26. Transfers Between Accounts. You may but are not obligated
to transfer funds from my savings, checking or loan
Account on my written or oral request. I understand and agree
that no transfer will be made unless there are sufficient available
funds on deposit or sufficient credit available at the time
of transfer. I agree that any such transfer(s) shall be in the
exact amount authorized and will be processed only on your
business days. If a transfer is to occur on a day other than a
business day, such transfer will occur on the next business day.
Moreover, if funds are not available for the transfer on the day
authorized, the transfer will occur when sufficient funds
become available. If sufficient funds are not available to transfer
on three (3) consecutive occasions, you reserve the right to
cancel any future transfer requests.
27. Dishonored Items. In the event of wrongful dishonor that
occurs by mistake, your liability shall be limited to actual damages
I prove. In the event of a dishonor of any check, share
draft of other debit on my Account, your determination of
whether sufficient funds exist in my Account may be made at
any time between the time the item is received and the time it
is returned. If you should choose to make a subsequent
Account balance check, you must use the latest figure in deciding
whether to dishonor the check, share draft or other debit.
28. Non-sufficient Funds. You may, at your discretion, honor or
return any check or pre-authorized transfer presented to you for
payment on my Account when my account lacks sufficient collected
or available funds to pay any such item. I further understand
that any such items, whether honored or returned, will be subject
to a fee as disclosed in your Schedule of Fees and Charges.
29. Markings in the Financial Institution Endorsement
Area. I agree that in the event I draw a check on, or make a
deposit to, my Account with you that I will hold you harmless
and indemnify you for any liability I incur due to a delay or
misrouting of the check where the delay or misrouting is
caused by markings placed on the check by me or a prior
endorser that obscure any depository endorsement placed by
you or your agent.
30. Permission to Collect Information. I authorize you to
gather whatever credit, deposit account and employment information
you consider appropriate from time to time for the purpose
of assisting you in determining my initial and ongoing eligibility
for my Account and other products and services that
you offer.
31. Credit Bureau Reporting. I understand that you may
report your experiences with me regarding the manner in
which I have maintained my deposit and loan Account(s),
regardless of whether those experiences are positive or negative,
to certain consumer reporting agencies as permitted by
Federal and State laws. I further understand that I have no
legal rights to opt out of such reporting.
32. Federal Insurance. My Accounts are Federally insured for
up to $100,000.00 by the National Credit Union Share
Insurance Fund.
33. Telephone Calls. I understand that my phone calls to you
may be randomly monitored to ensure that I am receiving
accurate, courteous and efficient service.
34. E-Mail Correspondence. I understand that e-mail correspondence
between me and you is not encrypted and therefore, if I
choose to include confidential information such as my Account
number and/or balance in my message to you, or if I request
you to e-mail confidential information to me, I do so at my own
risk. This section does not apply to messages transmitted through
the Bill Pay Online feature as those messages are encrypted.
35. Power of Attorney. If I name a person to act as my attorney-
in-fact or agent in any way with my Account, you may
refuse to honor the power of attorney if the power of attorney
is not properly completed, my signature on the power of attorney,
in your sole judgment, does not reasonably match my signature
on the Account Signature Record, or the refusal is otherwise
authorized or required by Federal or State law.
36. Lien Impressment and Offset. I agree that you may
impress and enforce a statutory lien upon my Accounts with
you to the extent that I owe you any money and you may
enforce your right to do so without further notice to me. You
have the right to offset any of my money or property in your
possession against any amount I owe you. The right of offset
and your impressed lien does not extend to my IRA or similar
tax deferred deposit I may have with you. If my Account is
owned jointly, your right of offset and your impressed lien
extends to any amount owed to you by any of the joint owners.
37. Joint Ownership. If there is more than one Account owner,
all agree with each other and with you that all amounts now
paid in or hereafter paid in (including any dividends paid
thereon) by any one (or by all) Account owner(s) shall be
owned by all Account owner(s) jointly and equally with a
right of survivorship regardless of their individual net contributions.
Furthermore, said amounts shall be subject to withdrawal
or receipt by any of the Account owners(s) or the survivor(
s) of any of the Account owner(s). Any such payment
shall be valid and shall discharge you from any liability. In
addition, all understand that:
38. Sole Proprietorships. A sole proprietorship is a business
wholly owned by an individual or by a husband and wife. If a
sole proprietorship is named on the Account Signature Record,
I affirm that I am the sole proprietor named therein. You
require me to provide you with a copy of my business license,
if applicable. If I am doing business under a fictitious name,
you also require a copy of my fictitious name statement.
Generally, I will be the only signer on the Account. I may
authorize additional signers on the Account by adding them to
the Account Signature Record. You may pay out funds with my
signature or any other authorized signature reflected on the
Account Signature Record. You may accept and/or endorse
checks you receive for deposit that are made payable to me
or to the sole proprietorship named on the Account Signature
Record. I understand that sole proprietorship accounts are not
subject to Multiple Party Accounts Law.
39. Partnerships. A partnership is a business owned and operated
by two or more individuals or entities who are responsible
for all liabilities of the business. You require us to provide you
a copy of our partnership agreement and if applicable, a copy
of our fictitious name statement. The individuals named on the
Account Signature Record are duly authorized to certify, and do
certify, that we are duly acting partners of said partnership,
and any one of us is authorized and empowered to open a
Business Account with you and to transact business of any
character whatsoever in connection with said Account. The
signatures of said individuals and their authority shall continue
in force until you receive written notice to the contrary. It is
understood that accounts held by partnerships are not subject
to Multiple Party Accounts Law.
40. Corporations. If the Account is held in the name of a
corporation, the individuals(s) named on the Account Signature
Record are duly authorized to certify, and do certify, that at a
regularly held meeting, I/we were elected or appointed officers
of said corporation, and that by virtue of the authority vested in
me/us by the constitution, bylaws or otherwise, any one of the
signators named on the Account Signature Record is authorized
and empowered to open a Business Account with you and to
transact business of any character whatsoever in connection
with said Account. I/we certify the signatures(s) of said authorized
individuals(s), and their authority shall continue in force
until you receive written notice to the contrary. We will provide
you a certified copy of our articles of incorporation as filed with
the state, and if applicable, a copy of our fictitious name statement.
We will also complete the Corporate Resolution that is
contained in your Business Account Application. It is understood
that accounts held by corporations are not subject to
Multiple Party Accounts Law.
41. Not-for-Profit and Unincorporated Association/
Organizations. If the Account is held in the name of a notfor-
profit or unincorporated association or organization, the
individuals(s) named on the Account Signature Record are
duly authorized to certify, and do certify, that at a regularly
held meeting, I/we were elected or appointed officers of said
association or organization, and that any one of the signators
named on the Account Signature Record is authorized and
empowered to open a Business Account with you and to transact
business of any character whatsoever in connection with
said Account. The signatures of said individuals and their
authority shall remain in force until you receive written notice
to the contrary. We will provide you a copy of our nonprofit
status, if applicable, and any other organizational documents
that you require for the nature and type of our organization. It
is understood that accounts held by not-for-profits and unincorporated
associations and organizations are not subject to
Multiple Party Accounts Law.
42. Governing Law. The laws of the State of California shall
govern this Agreement and Disclosure, except to the extent that
Federal law controls.
43. Severability. If any part of this Agreement and Disclosure
should be held unenforceable, the remaining provisions shall
remain in full force and effect.
2. Transaction Limitations. The dollar amount and frequency
of electronic funds transfers are limited as disclosed in the
"Additional Terms, Conditions and Disclosures Applicable to
Electronic Funds Transfer Accounts" section of this Agreement
and Disclosure. In addition:
Savings Accounts: During any statement period, I may not
make more than six (6) withdrawals or transfers to another
Point Loma Credit Union Account of mine or to a third party by
means of a preauthorized or automatic transfer, telephonic
order or instruction. No more than three (3) of the six (6) transfers
may be made by check, draft, debit card or similar order
to a third party. If I exceed these transfer limitations in any
statement period, you may, at your discretion, assess an excessive
withdrawal fee in accordance with your Schedule of Fees
and Charges or convert my Account to a Regular Checking
Looney Tunes Accounts: This Account is subject to the same
transaction limitations that apply to Savings Accounts as disclosed
above. In addition, this Account is available only to
members who are up to 18 years of age. My Account will be
converted to a regular Savings Account when I reach the age
of 18 and the terms of that Account will apply thereafter.
Looney Tunes Accounts are not eligible for a debit card.
Holiday Club Accounts: I am limited to one (1) withdrawal per
calendar quarter from this Account. If I exceed this limitation,
you may, at your discretion, assess an excessive withdrawal
fee in accordance with your Schedule of Fees and Charges or
convert my Account to a Regular Checking Account. On
November 15th of each year, you will mail me a check for the
balance of my Account. If November 15th is not a business
day, you will mail my check on the next business day.
Savings IRAs: Deposits are limited to the frequency and
amounts permitted under the Federal Tax Code. This Account
is subject to the same withdrawal restrictions that apply to
Savings Accounts as disclosed above. I understand that any
withdrawals may be subject to tax penalties.
1. Check Copies. I understand that this is a truncated Account,
which means that my cancelled checks will not be returned to
me. I further understand that images of all cancelled checks
retained by you are stored in an electronic format and the original
checks are destroyed. I may request copies of paid checks
at any time. Such requests may be subject to a fee as disclosed
in your Schedule of Fees and Charges. I understand that if
I did not order my checks through your approved check
vendors, you are not responsible for the quality of any check
copy that I request from you.
2. Checks Authorized By Alternative Means. You may
pay and charge to my applicable Account checks drawn by
and payable to any person, organization, association or corporation
whom I have authorized by providing sample
MICR-encoded information identifying my Account, provided
there are sufficient funds in my account to pay such checks. I
agree that your rights in respect to such checks shall be the
same as if it were a check drawn and signed by me personally.
This authority shall remain in effect until revoked by me in
writing to you and to the agency to whom the sample MICR
writing was provided, and you have had a reasonable opportunity
to act on it. I agree that you shall be fully protected in
honoring such checks. I further agree that if any such check is
dishonored, whether with or without cause, and whether intentional
or inadvertent, you shall be under no liability whatsoever,
even though such dishonor results in the forfeiture of insurance
or any other loss or damage to me.
3. Terms of Check Payment. If you have made good faith
payment to a holder, you may charge my Account according to:
4. Death, Dissolution or Incompetence. Death, dissolution
or incompetence of me or any joint owner or signator shall not
revoke your authority to accept, pay or collect a check or to
account for proceeds of its collection until you know of the fact
of death or adjudication of incompetence and have reasonable
opportunity to act on it. Even with knowledge, you may,
for ten (10) days after the date of death, dissolution or incapacity,
pay or guarantee checks drawn on or prior to that date
unless ordered in writing to stop payment by a person claiming
an interest in the Account under rules established by you.
I shall notify you if any of us die, become incapacitated or our
organization is dissolved.
5. Dispute of Paid Checks. If you have paid a check under
circumstances giving a basis for objection by me, you shall be
subrogated to the rights of:
6. Lost or Stolen Checks. I will notify you immediately if my
checks are lost or stolen.
7. Check Printing Orders. For security and check processing
purposes, I agree to only use checks that are printed by your
authorized vendor or that meet or exceed your authorized vendor's
standards in terms of paper quality, security features and
MICR line printing. If I do not and:
As a convenience to me, you will submit my initial order and
reorders for personalized check printing (and any optional
accessories that I might select) to your authorized check vendor.
If the vendor accepts the initial order and reorders, the
vendor will mail the checks and any accessories either directly
to me or to me in care of you. I authorize you to charge my
checking Account for the cost of delivered checks and any
accessories ordered, plus applicable sales tax and shipping
costs at the fee set forth in the vendor's published price list,
which is disclosed at the time of my initial order and available
for my review at any time thereafter upon request.
8. Courtesy Pay. A non-sufficient funds (negative) balance may result from: A) The payment of checks, electronic funds transfers or other withdrawal requests; B) Payments authorized by me; C) The return, unpaid, of items deposited by me; D) The imposition of applicable service charges; or E) the deposit of items which, according to the credit union's Funds Availability Policy, are treated as not yet "available" or finally paid.
You are not obligated to pay any item presented for payment if my account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that I may have, if my eligible account (primarily used for personal and household purposes) has been open for at least ninety (90) days and thereafter I maintain my account in good standing, which includes at least: (A) I am not in default on any loan obligation to you, (B) I bring my account to a positive balance (not overdrawn) at least once every thirty (30) days, and (C) my account is not the subject any legal or administrative order or levy, you will consider, without obligation on your part, approving my reasonable overdrafts. This discretionary* service will generally be limited to $300, $500 or $750 (depending on type of account) overdraft (negative) balance for checking accounts. Of course, any and all fees and charges, including without limitation our non-sufficient funds/overdraft fees (as set forth in your schedule of fees and charges) will be included in this limit and will apply to any transaction that overdraws my account including, but not limited to, payments authorized Checks, ACH/Electronic items, Debit Card/Check Card's, POS, Internet Banking/Online Banking and Telephone Banking Transactions.
You may refuse to pay an overdraft for me at any time, even though my account is in good standing and even though you have previously paid overdrafts for me. I will be notified by mail if any non-sufficient funds items paid or returned that I may have; however, you have no obligation to notify me before you pay or return any item. The amount of any overdrafts plus my Non-sufficient Funds and or/Overdraft (NSF/OD) Charge(s) that I owe you shall be due and payable upon demand. If there is an overdraft paid by you on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-sufficient Funds and/or Overdraft (NSF/OD) Charge(s).
Limitations: Available only to eligible personal checking and sole proprietor accounts primarily used for personal, household and small business purposes. AccessBuilder, EZAccess for Teen Checking Accounts 13 – 17 years of age, Young Adult Checking Accounts 18 – 23 year olds, ETA, Business Type Accounts except Sole Proprietor, Savings Type Accounts, Money Market Accounts, Public Fund/Charitable Organization Accounts not eligible. You may limit the number of accounts eligible for Courtesy Pay.
Effective June 1, 2007
Accounts not eligible for Courtesy Pay include:
ADDITIONAL TERMS, CONDITIONS AND DISCLOSURES APPLICABLE TO AnyAccess CHECKING ACCOUNTS:
Qualifications: I may not have a record on Chexsystems, Inc. an account verification service PLCU uses to qualify all new account applicants.
1. Minimum Balance Requirements. The minimum balance requirements for AnyAccess Checking Accounts are as follows:
2. Transaction Limitations. The dollar amount and frequency of electronic funds transfers are limited as disclosed under the "Additional Terms, Conditions and Disclosures Applicable to Electronic Funds Transfers and Related Services" section of this Agreement and Disclosure. No other transaction limitations apply.
3. Benefits. I will receive the following AnyAccess Checking benefits if my checking account does not qualify for any of the Lighthouse Relationship Plans:
ADDITIONAL TERMS, CONDITIONS AND DISCLOSURES APPLICABLE TO EZAccess CHECKING ACCOUNTS:
1. Minimum Balance Requirements. The minimum balance requirements for EZAccess Checking are as follows:
2. Transaction Limitations. The following limitations apply:
3. Benefits. I will receive the following EZAccess Checking benefits if my checking account does not qualify for any of the Lighthouse Relationship Plans.
Additional benefits are available for the AnyAccess or EZAccess Accounts through the Lighthouse Relationship Plans based on my share and loan balances with PLCU. The additional benefits are determined by the Lighthouse Relationship Plan for which I qualify each month. My Lighthouse Relationship Plan, and therefore my Account benefits, may vary monthly based on the Plan qualifications. The Plan qualification period begins on the first day of the month and ends on the last day of the same month. The benefits for a given month will be determined on the last day of the previous month. I will receive the benefits associated with my designated Plan beginning on the first business day of the month following the determination date through the last business day of the same month. Refer to each Lighthouse Relationship Plan below for specific details.
Bonita Plan
Qualifications: I must have a checking account and a combined share/loan balance of = $1000.00 and < $5000.00 with PLCU on which I am the primary owner.
Cabrillo Plan
Qualifications: I must have a checking account and a combined share/loan balance of = $5000.00 and < $10,000.00 with PLCU on which I am the primary owner.
Reyes Plan
Qualifications: I must have a checking account and a combined share/loan balance of = $10,000.00 and < $25,000.00 with PLCU on which I am the primary owner.
Point Loma Plan
Qualifications: I must have a checking account and a combined share/loan balance of = $25,000.00 or more with PLCU on which I am the primary owner.
ADDITIONAL TERMS, CONDITIONS AND DISCLOSURES APPLICABLE TO AccessBuilder CHECKING ACCOUNTS:
Qualifications for AccessBuilder Checking: I cannot have more than two reports on file with ChexSystems, Inc., and any reports must be at least six (6) months old. I must pay in full all monies owed to the reporting financial institution(s).
I understand that this Account is not eligible for overdraft protection, monthly service fee waivers or a Visa Check Card.
1. Minimum Balance Requirements. The minimum balance requirements for AccessBuilder Checking are as follows:
3. Benefits. I will receive the following AccessBuilder checking benefits:
1. Minimum Balance Requirements. The minimum balance requirements for this Account are as follows:
2. Transaction Limitations. This Account is subject to the same transaction limitations that apply to Savings Accounts (see "Additional Terms, Conditions and Disclosures Applicable to Savings, Looney Tunes, Holiday Club and Savings IRAs" above). In addition, the dollar amount and frequency of electronic funds transfers are limited as disclosed under the "Additional Terms, Conditions and Disclosures Applicable to Electronic Funds Transfers and Related Services" section of this Agreement and Disclosure.
2. Transaction Limitations. No dividends will be paid on this Account. No deposits, other than qualified ETAsm payments, will be accepted. In addition:
3. Qualifications. I must be eligible to receive qualified ETAsm deposits such as, but not limited to, electronic Federal benefit, wage, salary or retirement payments. Only individually owned Accounts are permitted.
4. Benefits. My Account benefits are as follows:
5. Additional Information. This is an Account designed by the U.S. Department of the Treasury and ensures that individuals who are required to receive Federal payments electronically have access to an account at a reasonable cost and with the same consumer protections available to other account holders at the same financial institution. The EFT rule provides that any individual receiving a Federal benefit, wage, salary or retirement payment is eligible to open an ETAsm. Many Federal benefit payments, including Social Security benefits, Supplemental Security Income benefits and railroad retirement benefits are protected from attachment under Federal law. This means that my creditors do not have the right to have these funds taken out of my ETAsm. There are a few exceptions, however. For example, funds in my ETAsm can be taken to satisfy child support or alimony obligations I owe. (If I deposit funds other than Federal benefit payments to my ETAsm, my creditors may be able to have those funds taken out of my account, but my Federal benefits would still be protected. If you receive an order of attachment, garnishment, or levy, you will immediately send me a copy of the order along with the name of the creditor and contact person, if any. If I have questions about a creditor's right to remove funds from my ETAsm, I should contact my benefit agency or my local legal service organization.
You are required by the Department of the Treasury to ensure that my ETAsm meets certain criteria and to provide me with these disclosures about my ETAsm. These obligations are set forth in an ETAsm Financial Agency Agreement between you and the Department of the Treasury. The text of the ETAsm Financial Agency Agreement is publicly available and is published in the Federal Register at 64 FR 38510-38525, dated July 16, 1999.
2. Transaction Limitations.
1. My Ability to Withdraw Funds. I understand that your policy is to make funds from my cash and check deposits available to me no later than the 1st business day after the day you receive my deposit. Electronic direct deposits will be available on the day you receive the deposit. Once they are available, I can withdraw the funds in cash and you will use the funds to pay checks that I have written.
For determining the availability of my deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If I make a deposit before the close of business on a business day that you are open, you will consider that to be the day of my deposit. However, if I make a deposit after the close of business or on a day you are not open, you will consider that the deposit was made on the next business day you are open.
2. Longer Delays May Apply. In some cases, you will not make all of the funds that I deposit by check available to me by the 1st business day after the day of my deposit. Depending on the type of check that I deposit, funds may not be available until the 5th business day after the day of my deposit. The first $100.00 of my deposits, however, may be available by the 1st business day.
If you are not going to make all of the funds from my deposit available by the 1st business day, you will notify me at the time I make my deposit. You will also tell me when the funds will be available. If my deposit is not made directly to one of your employees, or if you decide to take this action after I have left the premises, you will mail me the notice by the day after you receive my deposit.
I will tell you if I need the funds from a deposit right away and will ask you when the funds will be available.
In addition, funds I deposit by check may be delayed for a longer period under the following circumstances:
You will notify me if you delay my ability to withdraw funds for any of these reasons, and you will tell me when the funds will be available. They will generally be available no later than the 11th business day after the day of my deposit.
3. Special Rules for New Accounts. If I am a new member, I understand that the following special rules will apply during the first 30 days my Account is open:
Funds from electronic direct deposits to my Account will be available on the day you receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and Federal, State and local government checks will be available by the 1st business day after the day of my deposit if the deposit meets certain conditions. For example, the checks must be payable to me. The excess over $5,000.00 will be available on the 9th business day after the day of my deposit. If my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of your employees, the first $5,000.00 may not be available until the 2nd business day after the day of my deposit.
Funds from all other check deposits will be available by the 11th day after the day of my deposit.
4. Funds Availability Disclosure for Online Membership Application. I understand if I open an account through your Online Membership Application process there will be a four (4) business day hold placed on my opening deposit if I choose ACH origination and transfer funds from another financial institution. If I use my credit card, there will be a three (3) business day hold and a two (2) day business hold if I transfer from one of my Point Loma Credit Union Accounts.
5. Deposits at Proprietary Automated Teller Machines (ATMs). I understand that any funds (cash or checks) in excess of $100.00 deposited at proprietary ATMs (i.e., ATMs that you own or operate) will not be available to me for immediate withdrawal. Depending upon the type of item(s) that I deposit, such funds generally will not be available until the 2nd business day after the day of my deposit. Proprietary ATMs will display the Point Loma Credit Union name and logo. A list of proprietary ATMs is available to me upon request or by visiting
your web site.
6. Deposits at Nonproprietary Automated Teller Machines (ATMs). I understand that any funds (cash or
checks) in excess of $100.00 deposited at nonproprietary ATMs (i.e., ATMs that you do not own or operate) will not be
available to me for immediate withdrawal. Depending on the type of item(s) that I deposit, such funds generally will not be available until the 5th business day after the day of my deposit. Nonproprietary ATMs will display the Credit Union CO-OP name and logo. I understand that not all Credit Union CO-OP ATMs accept deposits. A list of nonproprietary ATMs is available to me upon request or by visiting your web site.
7. Unforeseen Delays. Any delay by you beyond the time limits prescribed above shall be excused if caused by interruption of communication facilities, suspension of payments by a financial institution, emergency conditions or other circumstances beyond your control provided that you exercise such diligence as the circumstances require.
8. Effect on Rights. In no event does the above policy affect your right to accept or reject an item for deposit or to require written notice of an intended withdrawal.
1. Definitions. The acronym "ACH" refers to Automated Clearing House services. The term "ARROW" refers to your audio response (i.e., telephonic transfer) system. The acronym "ATM" means an automated teller machine. "Card" means my ATM card or my Visa Check Card and any duplicates, renewals or substitutions that you issue to me. The acronym "EFT" means an electronic funds transfer. "Password" refers to the password I have selected to access my Accounts via the Internet through Point Loma Online and/or the Point Loma Online "Bill Pay Online" feature. The acronym "PIN" means my personal identification number. The acronym "POS" stands for point-of-sale.
2. Acknowledgment of Agreement. By retaining, using or allowing others to use the electronic services offered by you, I am agreeing to be bound by the terms and conditions of this section.
3. Responsibility for Transactions. I am responsible for all transactions I make with the Card or that I authorize another person to make with the Card. I understand that if I disclose my PIN to anyone, they will have access to all Accounts identified by my Account number. If the Account is a joint Account, all transactions involving the Account are binding on all owners. My responsibility for unauthorized transactions is disclosed under "My Liability" below.
4. Confidentiality. You will treat my electronic funds as transfers with the same degree of confidentiality that you afford to all of my business with you as disclosed in the "Notice of Financial Privacy Rights" section of this Agreement and Disclosure.
5. Business Days. I understand that for the purposes of electronic funds transfers, your business days are the same as those listed in the "General Terms, Conditions and Disclosures" section of this Agreement and Disclosure.
6. Fees. When I use an ATM that is not owned by you, I may be charged a fee by the ATM operator or any network used and I may be charged a fee for a balance inquiry even if I do not complete a funds transfer.
7. Access Requirements. I understand that you require me to have:
8. Card Ownership. I understand that all Cards are non-transferable and belong to you. I further understand that you may cancel, modify and/or restrict the use of any Card upon proper notice, or without notice if my Account is overdrawn or where necessary to maintain or restore the security of Accounts on the computer system. Upon cancellation of my Card, I agree to return the Card to you or destroy it upon your request.
9. Rules for Use. All EFTs are subject to the terms and conditions of my Account agreement(s) with you that govern the affected Account(s), and all EFT deposits and payments are subject to later verification by you.
10. Foreign Transactions. Transactions that are initiated in foreign countries and foreign currencies will be charged to my Account in U.S. Dollars. The conversion rate to Dollars will be the wholesale market rate, or the government-mandated rate, whichever is applicable, in effect one (1) day prior to the processing date, increased by one percent (1%).
11. Payment Authorization. By using my Card with my PIN at ATMs, POS terminals or other electronic terminals operated by a participating institution, network system, or company (collectively "terminals"), I am authorizing you to process transactions to or from my Account(s) in accordance with the instructions provided at the terminals. Transactions conducted with my Card will be charged to my Account on the date it is posted to my Account. My Account will be immediately debited for the amount of any authorization received from a merchant.
By providing you with the names and account information of those payees to whom I wish to direct payment through Bill Pay Online, I authorize you to debit my Account and remit funds on my behalf. All payees to be paid through Bill Pay Online will be paid in U.S. Dollars.
12. Available Transactions. I may use my Card and PIN for the following transfers:
I understand that some of these services may not be available at all terminals.
I may use my PIN without my Card for the following transfers:
I can sign up for your ACH services to:
The payee named on my paper check may:
13. Limitations on Transactions. Except for AccessBuilder Checking Accounts and Youth Checking Accounts (for members 13 to 17 years of age), I may make ATM cash withdrawals up to $300.00 ($100.00 during computer down time) or POS transactions up to $500.00 each 24-hour period as long as the available balance in my account is sufficient to cover the transaction. Such withdrawals are limited to $60 for ATM and up to $200 for POS for Youth Checking Accounts and $100.00 each 24-hour period for AccessBuilder Checking Accounts. In addition:
14. Documentation of Transactions. I will be offered a receipt at the time I make a transfer at one of your ATMs and, if using a VISA Check Card, at a VISA merchant location. I will retain the receipt and compare it with my monthly statement. You will send me a monthly Account statement reflecting all of my EFT transactions, unless there is no EFT activity in a particular month, in which case you may send me a quarterly statement.
15. Preauthorized Payments. If I have told you in advance to make regular payments out of my Account and these payments vary in amount, the payee will tell me 10 days before each payment when it will be made and how much it will be. I may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that I set.
16. Preauthorized Credits. If I have arranged to have direct deposits made to my Account at least once every 60 days from the same person or company, I can call you at (858) 495-3400 or toll free (888) 495-3400 to find out whether or not the deposit has posted.
17. My Right to Stop Payment and Procedure for Doing So. If I have told you in advance to make regular payments out of my account, I can stop any of these payments by calling you at (858) 495-3400 or toll free (888) 495-3400, or by writing to you at 9420 Farnham Street, San Diego, CA, 92123-1321, in time for you to receive my request three (3) business days or more before the payment is scheduled to be made. If I call you, you will also require me to put my request in writing and send it to you within 14 days after I call. You will charge me a stop payment fee as disclosed in the Schedule of Fees and Charges for each stop payment order I give you. If I order you to stop a preauthorized transfer three (3) business days or more before the transfer is scheduled and you do not do so, you will be liable for my losses or damages.
18. Refusal to Honor Card. You are not liable for the refusal or inability of any electronic terminal to honor my Card or to complete a withdrawal from my Account, or for their retention of the Card. You are also not responsible for the refusal of any merchant or financial institution to honor the Card or for their retention of the Card.
19. My Liability as a Consumer. I must notify you AT ONCE in accordance with the procedures described herein if I believe my Card, PIN or password has been lost or stolen. I understand that I could lose all* the money in my Account, including my maximum overdraft line or credit. Telephoning you is the best way for me to minimize my potential losses. If I notify you within two (2) business days after I learn of the loss or theft of my Card, PIN or password, I can lose no more than $50.00* if someone used it (or them) without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft, and you can prove that you could have stopped someone from using my card, PIN or password without my permission if I had told you, I could lose as much as $500.00*.
I must also notify you AT ONCE if my statement shows transactions that I did not make. If I do not tell you within 60 days after you mailed the statement to me, I may not get back any money I lost after the 60 days if you can prove that you could have stopped someone from taking the money if I had told you in time. If a good reason, such as a long trip or hospital stay, kept me from notifying you, you will extend the time periods.
If I have authorized someone else to use my Card, PIN or password, I am responsible for all transactions that person initiates at any time, even if the amount or transactions exceed what I may have authorized.
* If my VISA Check Card was used to perform the unauthorized transaction, and the transaction was processed through the VISA system as a "credit" transaction, I will not be liable for any unauthorized amounts, except as outlined in the next paragraph.
20. To Report a Lost or Stolen Card. If I believe my Card, PIN or password has been lost or stolen, or if I suspect that someone has transferred or may transfer money from my Account without my permission, I will call you at (858) 495-3400, or toll free (888) 495-3400. In addition, if my VISA Check Card and/or PIN has been lost or stolen, I may notify you after business hours by calling (800) 234-5354. In any event, I may also write to you at 9420 Farnham Street, San Diego, CA 92123-1321. Depending upon the circumstances, you may require me to file a police report or an affidavit.
21. Your Liability as a Financial Institution. If you do not complete a transaction to or from my Account on time or in the correct amount in accordance with our agreement, you will generally be liable for my losses or damages. Instances in which you will NOT be liable include, but are not limited to:
22. In Case of Errors or Questions About My Transactions. I will telephone you at (858) 495-3400 or (888) 495-3400 (toll free), or write to you at 9420 Farnham Street, San Diego, CA 92123-1321 as soon as possible if I think my statement or receipt is wrong, or if I need information about a transaction listed on my statement or receipt. You must hear from me no later than 60 days after you send the FIRST statement on which the problem or error appears.
When I inquire about transactions on my statement, I will:
If I tell you orally, you require that I send you my complaint or question in writing within ten (10) business days. If you do not receive it within ten (10) business days, you may elect not to credit my Account.
You will tell me the results of your investigations within ten (10) business days* after you hear from me and will correct any error promptly. If you need more time, however, you may take up to 45** days to investigate my complaint or question. If you decide to do this, you will credit my Account within ten (10)* business days for the amount I think is in error so that I will have use of the money during the time it takes for you to complete your investigation. [If the error I assert is an unauthorized Visa Check Card transaction that was processed as a "credit" transaction, you will credit my account within five (5) business days unless you determine that the circumstances or my Account history warrant a delay, in which case I will receive credit within ten (10) business days.]
If you decide that there was no error, you will send me a written explanation within three (3) business days after you finish your investigation. I may ask for copies of the documents that you used in your investigation.
* If I give notice of an error within 30 days after I make the first deposit to my Account, you will have 20 business days instead of ten (10) business days.
** If I give notice of an error within 30 days after I make the first deposit to my Account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. or its possessions and territories, you will have 90 days instead of 45 days to investigate.
23. Termination of Electronic Fund Transfer Services. I may terminate my EFTs and ACH instructions at any time. You reserve the right to terminate my EFT(s), ACH instructions and/or my use of my Card, PIN or password with or without cause. You may do so immediately if:
1. Choice of Law. You may accept on my behalf payments to my account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act. My rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of California as provided by the operating rules of the National Automated Clearing House Associations, which are applicable to ACH transactions involving my account.
2. Notice of Receipt of ACH Items. Under the operating rules of the National Automated Clearing House Association that are applicable to ACH transactions involving my account, you are not required to give next day notice to me of receipt of an ACH item, and you will not do so. However, you will continue to notify me of the receipt of items in the periodic statements you provide to me.
3. Provisional Payment. Credit given by you to me with respect to an ACH credit is provisional until you receive final settlement for such entry through a Federal Reserve Bank. If you do not receive such final settlement, you may reverse the provisional credit entry. The party making payment to me via such entry (i.e., the originator of the entry) shall not be deemed to have paid me the amount of such entry.
1. Effect on Agreement. Even though sales, cash advance or other slips that I sign or receive when using the Card or Account number on the card may contain different terms, this Agreement is the sole Agreement that applies to all transactions involving the Card.
2. Card Benefits/Enhancements. You may from time to time offer additional services in connection with my Card. Some may be at no additional cost to me and others may involve a specified fee. I understand that you are not obligated to offer such services and you may withdraw or change them at any time.
3. Transaction Processing Options. In some instances, the payee may ask me whether I want my Card transaction processed as a VISA "Credit" or as a VISA "Debit" transaction.
1. Insufficient Funds. You will notify me through Bill Pay Online on the day a payment is scheduled to be made if there are not sufficient funds available in my Account. I understand that you will not make any further attempts to process the payment.
2. Payment Methods. I understand that payments may be deducted from my Account by two (2) methods:
The method of payment depends upon the processing method that can be accommodated by the payee.
3. Payment Lead Time. For each payee I set up, Bill Pay Online will advise me what time period should be sufficient under normal circumstances for the payee to receive a payment. I should allow two (2) business days for ACH payments and five (5) business days for check payments. I may obtain the payee's payment method (e.g., ACH or check) by reviewing that particular payee's information in the payee database. I must allow sufficient time for the payee to receive and process the payment before the payment due date (i.e., the due date shown on my invoice). If I do not allow sufficient time, I will assume full responsibility for all late fees, finance charges or other actions taken by the payee.
I am responsible for keeping my PINs, passwords and account information confidential. I understand that any person I permit to use my PINs or passwords, or to whom I authorize you to provide PINs or passwords, will have access to my entire account, including any checking, money management or loan accounts, and authorize bill payments. I understand that any person I permit to use my PINs or passwords, or to whom I authorize you to provide PINs or passwords, will be considered an authorized user of my account. I agree that such an authorized user may perform any PIN- or password-based transaction on my account, including, but not limited to, viewing transactions, transferring or withdrawing funds from my savings, checking, money management, or loan accounts, and authorizing bill payments.
I will use caution and be mindful of the following safety tips that you recommend whenever I use my Card, PIN or password to access my Account through an ATM, POS terminal or the Internet:
ATMs and POS Terminals
Point Loma Online and Bill Pay Online
PIN and Password Safeguards
1. Definitions. The key terms used in this section are defined as follows:
"Nonpublic personal information" means information about me that you collect in connection with providing a financial
product or service to me. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An "affiliate" is a company that you own or control. The term "FSCC, Inc." refers to your only affiliate, Financial Service Centers Cooperative, Inc., which is a financial service provider and the credit union service organization that operates the CU Service Centers® shared-branch network. This network is a cooperative of more than 1,100 credit unions in 42 states that are linked by technology to provide convenient, nation-wide financial services to the credit union member public. The network is analogous to an ATM network were technology and cooperative relationships between institutions enable the convenient delivery of financial services to consumers. A "nonaffiliated third party" is a company that is not an affiliate
of yours.
2. Information that You Collect About Me. I understand that you collect nonpublic personal information about me from the following sources:
3. Confidentiality, Security and Integrity of My Nonpublic Personal Information. You will restrict access to my nonpublic personal information to those employees who need to know that information to provide products or services to me. You maintain physical, electronic and procedural safeguards that comply with Federal regulations to protect my nonpublic personal information.
4. Disclosure of My Nonpublic Personal Information to Your Affiliate. You disclose nonpublic personal information about me to your affiliate, FSCC, Inc. when I am conducting a transaction on my Point Loma Credit Union Account at another credit union that is participating in the CU Service Centers shared-branch network. You disclose information and about my transactions and experience with me, such as:
The information disclosed comes from my Account records with you. You only disclose information needed to process the transaction I am requesting.
In addition, you will provide my mailing information to FSCC, Inc. for the purpose of sending me an announcement when a
shared branch opens in my neighborhood.
Federal law allows you to disclose the information listed above with your affiliate. I do not have a right to opt out of the disclosure of this information, nor do you have the technical feasibility to offer me the opportunity to opt out of such disclosure.
5. Disclosure of My Nonpublic Personal Information to Nonaffiliated Third Parties. You value my member relationship with you and therefore will not disclose my nonpublic personal information to nonaffiliated third parties, except as permitted or required by law, such as:
6. Disclosure of Nonpublic Personal Information About Former Members. If I should later terminate my membership, you will not disclose my nonpublic personal information.
7. Privacy Policy Statement. I should request a free copy of the Board of Directors' Privacy Policy Statement for more information about your member privacy practices. I can also view the statement on your web site.
Terms of Use: The Point Loma Credit Union website is for the exclusive use of its members and non-members interested in the services of the credit union. Any unauthorized or unlawful use is strictly prohibited.
Disclaimer: Point Loma Credit Union is not responsible for the privacy practices or the content of websites which we may provide a link to. While all efforts are made to maintain the accuracy of information presented on the Point Loma Credit Union website, we cannot guarantee that all information is current. Please contact the credit union call center directly for the most current information at 858-495-3400.
Copyright © 1998-2015, Point Loma Credit UnionAll rights reserved


text:
gtx 480 users, what speed (% wise) do you have your fans at?
View Single Post
Newtype Ace
Join Date: Jul 2004
Location: Hong Kong
Posts: 3,206
Re: gtx 480 users, what speed (% wise) do you have your fans at?
Using a similar fan profile like MiKeC's for now, but I will be water-cooling soon. Already ordered everything, but it wil be awhile before I can start the building due to the icelandic volcano eruption delaying everything.
BTW, is there a way to keep the fan profile running after closing the Afterburner profile? Right now, I have to keep it running in the background in order to use the custom profile I created.
Lian Li Armorsuit PC-P80 Black | Intel Core i7-3960X @4.3Ghz | Asus Rampage IV Extreme | G.SKILL Ripjaws X 4 x 4GB @1866Mhz CL9 |eVGA GTX 690 Hydro Copper | Cruscial M4 512GB SATA III SSD | WD VelociRaptor 300GB | Samsung Spinpoint F1 HD103UJ 1TB | Pioneer BDR-205BK 12x Blu-ray Burner | Creative x-Fi Titanium Fatal1ty Sound Card | Corsair A1200 1200W PSU
Water cooled by
Koolance ERM-3K3UC Cooling System
View Public Profile
Find More Posts by Amuro

subset: commoncrawl


text:
When Alfonso Soriano was 20 years old, he still was preparing himself for a trip to the Hiroshima Toyo Carp in Japan. He wouldn't get to the big leagues with the Yankees until he was 23 and played only nine and 23 games his first two seasons.
He shakes his head at the poise Starlin Castro, the youngest Cub in 41 years, is showing.
"He's 20 but he's not awed,'' Soriano said. "He's a grown man.''
A big leaguer only since May 7, Castro has made the Cubs a better team. His hitting has been a welcome addition since that six-RBI debut in Cincinnati, and after a shaky first week he is showing why general manager Jim Hendry felt he would upgrade the team's fielding.


text:
Skip the Corned Beef and Cook Up an Authentic St. Patrick's Day Feast
Prepare for your mind to be blown: No one in Ireland eats corned beef on St. Patrick's Day. Or ever, really, according to Cathal Armstrong, the James Beard Award–nominated chef and owner of Restaurant Eve in Alexandria, Virginia. Armstrong should know—he grew up on the Emerald Isle.
"How many times can I say it? We never ate corned beef. It's not really eaten in Ireland," Armstrong told us, his brogue softened by more than two decades of living in the states. Rather, Irish families traditionally ate lamb, and that's what they'll likely be serving on March 17.
"I bet at least 80 percent of households are going to have leg of lamb," Armstrong predicted. After all, it's nearly springtime; lambs are ready for slaughter and peas and carrots are in season. "A leg of lamb feeds a good-sized Catholic family, which almost everyone in Ireland [has]," he said, although it might be a smaller "rack of lamb if they weren't listening at the pulpit when they said, 'Have as many kids as possible.'"
Armstrong estimated the remaining 20 percent might enjoy a whole Atlantic salmon, which has a long history in Ireland and is richly featured in the country's folklore. One Celtic legend tells of a druid named Finegas, who for years waited by the banks of a river for the arrival of the "Salmon of Knowledge." When he finally traps the fish, he hands it to his pupil Fionn to cook. But Fionn accidentally burns himself on the hot fish and sucks his thumb, thus gaining the salmon's immense knowledge for himself.
If all else fails, there's nothing wrong with a good Irish stew. But just make sure to use lamb rather than beef, and braise the stew for a few hours instead of simply bringing it to boil.
"[Boiled foods] aren't really a fair representation of the food of the peasant people of Ireland," Armstrong said. "They had braised hearty dishes that matched the climate."
Below, enjoy three recipes from Armstrong's new cookbook, "My Irish Table." As Armstrong says, these "aren't your typical diddle-idle-doo dishes."
Photo credit: Scott Suchman
Irish Stew with Piccalilli
from "My Irish Table" by Cathal Armstrong and David Hagedorn
Serves 4
Kosher salt and freshly ground black pepper
4 (8-ounce) lamb shoulder chops
2 tablespoons canola oil
2 yellow onions, quartered lengthwise
2 carrots, peeled and cut crosswise into 2-inch pieces
3 cloves garlic, thinly sliced
1 large fresh bay leaf
2 russet potatoes, peeled and quartered
3 cups water
3 tablespoons chopped fresh thyme
1. Brown the chops: Sprinkle salt and pepper liberally over both sides of the lamb chops. In a flameproof casserole over medium-high heat, heat
the oil until it shimmers. Brown both sides of the lamb chops well (2 to 3 minutes per side), working in 2 batches so the pot is not crowded. Transfer the browned lamb to a plate and set aside.
2. Cook the stew: Blot the oil from the pot with a wad of paper towels. Add the onions, carrots, garlic, and bay leaf. Top the vegetables with the chops and any collected juices on their plate. Add the potatoes and water. Bring the liquid to a boil. Lower the heat to medium, cover the pot, and let the chops simmer for 1 1/2 to 2 hours, until the meat is very tender. Adjust the salt and pepper seasoning to taste. Stir in the chopped thyme and serve immediately, with piccalilli on the side. The stew can be made the day before and gently reheated on the stove or in the oven at 300 degrees for 30 minutes.


text:
Clue: Slimy mud
We have 2 answers for the clue Slimy mud. See the results below.
Possible Answers:
Related Clues:
Last Seen In:
- LA Times Sunday - September 16, 2012
- LA Times - May 08, 2011
- Netword - December 08, 2005
Found an answer for the clue Slimy mud that we don't have? Then please submit it to us so we can make the clue database even better!


text:
CRESTVIEW — A man was arrested early Tuesday after he was accidentally stabbed by his girlfriend, according to Crestview police.
Arguster Richardson, 44, of North Spring Street in Crestview, told officers he had been robbed, attacked and stabbed by an unknown assailant, according to a news release.
Police later learned that Richardson had attacked his girlfriend. As she grabbed a knife to defend herself, Richardson jumped on her and fell on the knife, police reported.
Richardson was taken by ambulance to Sacred Heart Hospital in Pensacola with a puncture wound in his chest. He was released later Tuesday morning and charged with felony domestic battery.
He was taken to the Okaloosa County Jail. Bond was not set.


text:
continued "Our green team has really been able to leave its mark on the district and that all started here," Tupper Lake Green Team Advisor Kathleen Eldridge said. "The first year we were overwhelmed by the knowledge and a little afraid, but since we have gained the tools and have been able to think of solutions for our school."
Eldridge said that their club has become a model much like the conference has.
"With the support of our superintendent and school, our team is a role model for their peers in our school as well as others," she said.
"We are hoping to get some creative ideas that they will be able to bring back to our school," Keene teacher Brian LaVallee said. "They have already been able to do a lot with the composting and garden programs at the school."
"I think that this impacts the students more than any workshop that I go to with them," Potsdam High School Environmental Club Advisor Jim Allott said. "They go back to school fired up and it becomes contagious."
Local high schools attending the summit included Long Lake, Moriah, Elizabethtown-Lewis, Keene, Lake Placid, Northwood, North Country School, Saranac Lake, Tupper Lake and Plattsburgh High. They were joined by North Country Community College, Paul Smith's College and Plattsburgh State.
Prev Next
More like this story
Use the comment form below to begin a discussion about this content.


text:
Could Tigers Trade for Eduardo Nunez?
By Michael Natelli (Photo: Associated Press)
Five players capable of handling the middle infield made the Yankees ' Opening Day roster. Eduardo Nunez was not one of them...
More Featured Stories
- Gardner's DL Stint Could Be Eduardo Nunez's Big Chance
- Why Nunez for Niese Deal Works for Both Teams
- Atlanta Braves Trade Rumors: Why Yankees Are Perfect Suitors for Jair Jurrjens
- Yankees Trade Rumors: Eduardo Nunez for Jair Jurrjens a Bad Deal for Yankees
- MLB Trade Rumors: Are New York Yankees, Atlanta Braves Up for Another Trade?
- Eduardo Nunez: New York Yankees Ask Nunez, Where's the Defense?
- Eduardo Nunez: New York Yankees Prospect Seems Blocked at Every Turn


text:
The Department of Defense announced today the death of a soldier who was supporting Operation Iraqi Freedom.
Staff Sgt. Bryan A. Lewis, 32, of Bunkie, La., died north of Rustamiyah, Iraq, on March 13, when an improvised device detonated near his HMMWV during a convoy operations. Lewis was assigned to the 519th Military Police Battalion, 49th Military Police Brigade, Fort Polk La.
For further information related to this release, contact Army Public Affairs at (703) 692-2000.