Southeast Federal Credit Union Membership and Member Services Policy   Credit Union Membership is a Privilege. It is not a Right. The Credit Union has no obligation to open a membership account or to extend any services to any person. Simply being qualified to apply for membership (i.e., begins within the Field of Membership of the Credit Union) does not obligate the Credit Union to allow any person(s) to become a member when it is in the best interests of the Credit Union to deny such a privilege. This applies to new applicants as well as to any persons whose membership is terminated for any reason who reapplies for membership at a later time.   Policy Regarding Members Who Cause or may cause the Credit Union any Loss or Violate Credit Union Policies, Procedures, Standards or Applicable Laws, Rules or Regulations. The Credit Union shall not extend any credit or other services to any member, joint owner or user who has caused, or to whom the Credit Union has a rational belief may cause, it to incur a loss and has not repaid or made arrangements acceptable to the Credit Union to repay the loss, except when it is in the best interests of the Credit Union to do otherwise. Likewise, the Credit Union faces risk whenever any member, owner, borrower, user or any other persons violate any Credit Union policies, procedures, standards, agreements with the Credit Union; or applicable laws, regulations or rules; and where the Credit Union in good faith determines that it may incur any loss; or face exposure to any risks to the Credit Union. This shall apply to past as well as contemporaneous matters. Such a member, joint owner, users, or other persons’ accounts and/or applicable services are to be closed or restricted as applicable pursuant to the Credit Union's policy on closing accounts or restricting services. Further, the Credit Union may refuse any request to make, open or add any joint owner, beneficiary, user or other person to any account or service with the Credit Union where such joint owner, beneficiary user, or other applicable person has violated in any manner the policy as herein stated or exposes the Credit Union to any risk. Where circumstances dictate such an action to be in the Credit Union’s best interests a member, joint owner or other persons access to the Credit Union may be further restricted; and access to Credit Union personnel and premises many be prohibited; and/or the Credit Union may require such restrictions or limitations regarding access and/or services that the Credit Union deems to be in its best interests.   Loss of Services and Facility Access. The availability of member services for members who engage in threatening, abusive, disruptive, obscene, harassing, or illegal behavior or otherwise injures any person or damages any property while on Credit Union premises or at any Credit Union function may be limited. Member(s) shall be permitted to maintain a dividend bearing savings (share) account with the Credit Union and shall be permitted to vote at annual meetings subject to bylaws and policies of the Credit Union. In the event member has limited access to member services due to threatening, abusive, disruptive, obscene, harassing, or illegal behavior or otherwise injures any person or damages any property while on Credit Union premises or at any Credit Union function, the Credit Union’s Executive Management, at their sole discretion, may limit further contact with the Credit Union to written communication through the U. S. mail only or other remote access device designated by the Credit Union. This limitation shall not prohibit member(s) from exercising their rights under federal or state law or regulation.   Limitations or Denial on Joint Owners. The Credit Union may also restrict or deny any joint owner or other authorized user of any account(s) or service(s) who has caused the Credit Union any loss; may cause the Credit Union a loss; exposes the Credit Union to any risk; or otherwise has violated any Credit Union policies, procedures, standards, laws, regulations or other rules as otherwise addressed herein. This includes the right to terminate existing use of account(s) and/or services as appropriate where such joint owner is not entitled to the protections of “membership” as specifically addressed herein. Ref.: NCUA Gen. Counsel Op. Letter No. 05-0723 (Sept. 20, 2005).