All financial institutions must follow new guidelines as a means of combating potential threats to America's security.  Although most of the changes are hardly noticeable to consumers, the new policies now in place will further insure the safety of our members and our country. In conjunction with the U.S. Patriot Act your Board of Directors has adopted the following policy to protect the assets of the Credit Union and its members.  It provides for expulsion of members who have caused a loss to VAMCO Credit Union or have engaged in actions that put the Credit Union at risk of loss or liability.  Actions that may subject a member to expulsion by the Board includes the following: Attempted use of false or forged documents or false information to obtain credit or access to an account, or use or attempt to use false identities.   Engaging in check kiting, attempted or actual deposits of counterfeit checks or other non-negotiable items, foreign ATM transfers between checking and savings accounts resulting in overdrafts of both accounts, attempted or actual theft of credit union or other member's funds, or similar illegal activities to obtain funds.   Threatening or subjecting staff or board members to verbal or physical threats or abuse.  Using inappropriate conduct or language directed at staff or board members based on sex, race, national origin, marital status, sexual orientation, physical/mental impairment, age, membership in the uniformed services, or similar activity.   Failing to protect blank personal checks, access cards or personal identification numbers as evidenced by repeated claims of lost checks and unauthorized transactions (particularly when the forgeries are committed by persons living in the member's household), or repeated failure to keep personal accounts and records secure.  Failure to provide collected funds to cover share account withdrawals, personal share drafts, Credit Union drafts purchased by the member, and failure to pay fees or charges due the Credit Union for any reason.   Failure to pay amounts due under a loan, including without limitation: principal; interest; fees and charges; financed insurance premiums; collection charges or attorneys' fees incurred in collecting amounts due under a note or guarantee, in repossessing and liquidating collateral under a security agreement, or in obtaining a deficiency judgment. A member who files for bankruptcy but signs an enforceable reaffirmation agreement or otherwise voluntarily repays all amounts due will remain eligible for membership.