As a User of the financial service, I agree to the following terms of use. I will act and engage in a manner that is professional and courteous while on video with representatives from Cobalt Credit Union. I shall not use language or gestures that are intended to harm, threaten, or demean. I understand using such actions can result in a ban from the video platform. When using the system, I will be dressed in such a way that would be consistent with being present in a physical branch. I shall not use this service while driving or operating other heavy machinery, and understand that all risks, injury and harm associated with doing so are NOT responsible by Cobalt Credit Union. If multiple parties are involved in a product purchase or service acquisition and signatures are required, I understand that all involved parties must be present. I understand that if I agree to the terms of use, and fail to meet the requirements as described above, the representative I am speaking with may terminate our current video session, and I will not be allowed to receive services from Cobalt Credit Union through this channel. The financial service will operate in good faith, and use just cause while evaluating potential abuse, but will not accept any liability from failure to read, understand, or follow the above-mentioned terms.