If you elect not to complete a nomination, the proceeds from your account will form part of your estate on your death and will be dealt with under the terms of your will, or if you have not made a will, under the rules of intestacy or under the small payments provision. Small Payment Provision: where no valid nomination exists and the amount in your account is less than €15,000 in total (including insurance etc.), the Board and Directors of Kilmallock Credit Union Ltd. may, without letters of authorisation or probate of any will, distribute your property in the credit union to such person(s) as appear to the Board to be entitled by law to receive it.