ELECTRONIC FUNDS TRANSFER AGREEMENT and DISCLOSURE - REG E

• Debit MasterCard. You may use your Debit MasterCard and/or PIN to:
  • Withdraw funds from your savings, checking, and money market accounts.
  • Make transfers between your savings, checking, and money market accounts.
  • Obtain balance information on your savings, checking, and money market accounts.
  • Pay for purchases at places that have agreed to accept the Card.
  • Make POS (Point of Sale) transactions to purchase goods or services at POS terminals that have the MasterCard logo.
  • Order goods or services by mail, telephone, or via the Internet from places that accept the Card. Some services may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your checking account. Limitations. The following limitations will apply to your Card:
    • The maximum dollar amount of cash withdrawals per day is $510.00. Sufficient funds must be available to make any withdrawal. There is no limit to the number of cash withdrawals you may make in one day.
    • The maximum purchase price for any one transaction at a POS Terminal is $2,500.00. There is no limit to the number of purchases you may make in one day.
    • For security reasons, there are other limitations to frequency and number of transfers you may make at ATMs.
    • Your available account balance may be reduced for preauthorization's for 3 business days or until the transaction clears.
    • You are not allowed to make deposits at an ATM that we do not operate or own.
    • Additional limitations are set forth in the TRANSFER LIMITATIONS provision contained herein.
• Electronic Check Conversion & Electronic Returned Check Fees. If you pay for something with a check, you may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: (1) pay for purchases or (2) pay your bills. When your check is used to initiate an electronic funds transfer in this way, you authorize the funds to be debited from your account as soon as the same day, and your check may not be returned to you. You also authorize a one-time electronic funds transfer to pay a Returned Check/EFT fee or Non-sufficient Funds fee if you have insufficient funds.
• Preauthorized Electronic Funds Transfers. You may authorize periodic or recurring automatic payments from, and deposits into, your designated account(s). Examples of such transfers include direct deposit of your paycheck or Social Security check into your designated Credit Union account; automatic payment(s) from your designated Credit Union account to third parties; and automatic payment from your designated Credit Union account for loan payments or other amounts you owe us. The frequency and amounts of these preauthorized transfers will be subject to and in accordance with the authorization that you sign, and any separate agreement you have with the originator of the transfer. See the Transfer Limitations provision for transfer limitations that apply to preauthorized transfers.
• Audio Response. You may access your accounts via our touch-tone telephone system. We will assign you a PIN to use this service. You may use telephone access to:
  • Transfer funds between your checking and savings accounts;
  • Obtain balance, account activity, and other information on your checking and savings accounts;
  • Verify whether a check or other item has cleared your account; The telephone access service is available twenty-four (24) hours a day, but may be inaccessible for a short period each day for data processing. Limitations. See the Transfer Limitations provision for transfer limitations that apply to Audio Response transactions.
• Home Banking. We offer a Home Banking service that you may access from a personal computer that has Internet access. You will need your assigned password and member number or user name to access your accounts, as instructed when you log on. Our Home Banking service will be available to you 24 hours a day, but may be interrupted for a short period of time each day for data processing. Security protocols will be in place, such as electronic lock-out if there are numerous unsuccessful attempts to enter a transaction, and limits on the duration of access. See the Transfer Limitations provision for transfer limitations that apply to Home Banking transactions. Other EFT Disclosures contained in this document apply to Home Banking services as well. You will also be required to comply with instructions and agreements provided on-line when you log onto the Home Banking service. You may use this service for the following:
  • Make transfers between your accounts and/or your line of credit;
  • Obtain balance information on your accounts;
  • Make payments on your Credit Union loans from your accounts;
  • Access internet bill pay services to make payments to various creditors;
  • Verify whether a check or other item has cleared your account;
  • Access or utilize mobile banking or other services that we may make available to you from time to time
• Online Bill Payment Services. See on-line bill payment services agreement contained herein.

1. Where it is necessary for completing transfers;
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
3. In order to comply with government agency or court orders; or
4. If you give us your written permission.

• If, through no fault of ours, you do not have enough available funds in your account to make the transfer.
• If the funds in your account are pledged as collateral for a loan or frozen because of a delinquent loan or other reason.
• If the transfer would go over the credit limit on your overdraft line.
• If you used your card or access code in an incorrect manner.
• If the ATM where you are making the transfer does not have enough cash.
• If the error was caused by a system of any participating ATM network.
• If the ATM, POS terminal, telephone access system, Home Banking or Bill Pay system or other electronic service was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
• Any other exceptions stated in any of our agreements with you or which may be amended in the future.

• Tell us your name and account number (if any).
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

• Be aware of your surroundings, particularly at night;
• Consider having someone accompany you when using an ATM or Night Depository after dark;
• If the ATM facility is equipped with a door, close it tightly before beginning your transaction, and do not allow anyone you don't know into the facility with you;
• If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction;
• Refrain from displaying your cash - place it in your pocket or purse as soon as the transaction is completed. Count your cash in the safety of a locked enclosure such as a car or home;
• Use a different ATM or return at a later time if you notice anything suspicious while using or approaching the ATM. If you are in the middle of your transaction, cancel the transaction, take your card or deposit envelope, and leave;
• If you are followed after completing your transaction, go to the nearest public area where people are present;
• Do not write your personal identification number or code on your ATM card; and
• Report all crimes immediately to the operator of the automated teller machine or to local law enforcement officials. If emergency assistance is needed, call the police from the nearest available public telephone. If you have complaints or concerns about the security of the ATM, contact the operator of the ATM, or the state banking department.