AGREEMENT AND DISCLOSURES

FUNDS AVAILABILITY POLICY

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

1. EFT SERVICES
2. TRANSFER LIMITATIONS
3. CONDITIONS OF EFT SERVICES
4. FEES AND CHARGES
5. MEMBER LIABILITY
6. RIGHT TO RECEIVE DOCUMENTATION
7. ACCOUNT INFORMATION DISCLOSURE
8. BUSINESS DAYS
9. CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFER
10. NOTICES
11. BILLING ERRORS
12. TERMINATION OF EFT SERVICES
13. GOVERNING LAW
14. ENFORCEMENT
15. E-MAIL
16. LINKS TO THIRD PARTIES
17. LAWFUL USE ONLY
18. RIGHT TO FINANCIAL PRIVACY