Notwithstanding the provisions in ORS 98.308, a holder may not deduct a service charge or fee or otherwise reduce an owner’s unclaimed account unless:
(1) There is a valid written contract between the holder and the owner that allows the holder to impose a charge;
(2) The service charge or fee is imposed uniformly on all accounts; and
(3) Three months’ written notice is given by first class mail to the last-known address of all owners before the charge or fee is levied.