United 1st Federal Credit Union

Electronic Funds Transfer Agreement and Disclosure
This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer ("EFT") services offered to you by United 1^st Federal Credit Union ("Credit Union"). In this agreement, the words "you" and "yours" mean those who signed the application or account card as applicants, joint owners, or any authorized users. The words "we", "us", and "our" mean the credit union. The word "account" means any one or more share (savings) and share draft (checking) accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this agreement and any amendments for the EFT services offered.

CU Online Electronic/PC EFT'S.
If we approve the CU Online electronic/PC access for your accounts, a separate PASSWORD will be assigned to you. You must use your PASSWORD along with your account number to access your accounts. At the present time, you may use the CU Online access service to:

Withdraw funds from you share (savings) and share draft (checking) accounts.

Transfer funds from your share (savings) and share draft (checking) accounts.

Make loan payments from your share (savings) and share draft (checking) accounts.

Access your Open End Line account.

Your accounts can be accessed under the CU Online electronic/PC access service via personal computer.

CU Online service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a sort time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of these limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.

There is no limit to the number of inquiries, transfers, or withdrawal requests you make in any one-day.

The maximum withdrawal or transfer amount is $1000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.

See transfer limitations below for transfer limitations that may apply to these transactions.

Transfer Limitations.
For all share (savings) accounts, no more than six (6) preauthorized, automatic, or telephone transfers and withdrawals made be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.

Security of Access Code.
The term Access Code refers to both PIN (Personal Identification Number) and password.

You may use one or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with any card issued. You are responsible for safekeeping your access codes.

You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.

Joint Accounts.
If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this agreement and alone and together, shall be responsible for all EFT transactions to or from any share (savings) and Share draft (checking) or loan accounts as provided in this agreement. Each joint account owner, without the consent of any other account owner, is authorized by every other joint account owner to, make any transaction permitted under this agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.

Fees and Charges.
There are certain fees and charges for electronic funds transfer services. From time to time, the charges may be changed. We will notify you as required by applicable law.

Member Liability.
You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.

Tell us at once if you believe your card has been lost or stolen or if you believe someone has used your card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (Plus your maximum overdraft line of credit). If a transaction was made with your card or card number without your permission, and was either a VISA or interlink transaction; you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions, or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows:

If you tell us within two (2) business days you can lose no more than $50.00 if someone used you card without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card with your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card has been stolen or that someone has transferred or may transfer money from your account without your permission, call:

(912) 882-4630
Fax: (912) 882-2314

Or write to:
United 1^st Federal Credit Union
PO Box 6150
St.Marys, Ga. 31558

Account Information Disclosure.
We will disclose certain information to third parties about your account or the transfers you make.

As necessary to complete transfers

To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant

To comply with government agency or court orders

If you give us written permission

Business Days.
Our business days are Monday through Friday, Excluding holidays.

Credit Union Liability for Failure to make Transfers.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:

If through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our funds availability policy, or if the transaction involves a loan request exceeding your credit limit.

If you use your Card or access code in an incorrect manner.

If the electronic transfer is not completed as a result of your willful or neglect use of your card, access code, or any EFT facility for making such transfers.

If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction.

Any other exceptions as established by the Credit Union.

Stop Payment Rights.
If you have arranged in advance to make regular electronic funds transfers out of your account(s) for money you owe others, you may stop payment of pre-authorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of transfer. We may require written confirmation of the stop payment order to make within fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made.

Notice of varying Amounts.
If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

Liability for failure to Stop Payment of Pre-Authorized Transfers.
If you order us to stop payment of a pre-authorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Notices.
All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union's Records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

Billing Errors.
In case of errors or questions about electronic funds transfers from your share (savings) and shared draft (checking) accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST Statement on which the problem appears.

Call us at: (912) 882-4630
Fax (912) 882-2314

Or write to:
United 1^st Federal Credit Union
PO Box 6150
St. Marys, GA. 31558

Tell us your name and account number

Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.

Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it writing ten (10) business days, we may not credit your account.

We will tell you the results within three (3) business days of completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of the documents that we used for investigation.

If you give notice of an error within thirty (30) days after you make the first deposit to your account; we will have twenty (20) business days instead of ten (10) business days.

If you give notice of an error within thirty (30) days after you make the first deposit t your account, notice of an error involving a point of sale transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

NOTE:
If the error you assert is an unauthorized VISA transaction, other than cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances of your account history warrant a delay, in which case you will receive credit within ten (10) business days.

Termination of EFT Services.
You may terminate this agreement or any EFT service under this agreement at any time by notifying us in writing and stopping your use of your card and any access code. You must return all cards to the Credit Union. You must also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this agreement at any time by notifying you orally or in writing. If we terminate this agreement, we may notify any participating merchants making pre-authorized debits or credits to any of your accounts that this agreement has been terminated and that we will not accept any further pre-authorized transaction instructions. We may also program our computer not accept your card or access code for any EFT service. Whether you or the Credit Union terminates this agreement, the termination shall not affect your obligations under this agreement for any EFT's made prior to termination.

Governing Law.
This agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Georgia and local clearinghouse rules, as amended from time to time. Any disputes regarding this agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

Enforcement.
You are liable to us for any loss, cost, or expense we incur resulting from your failure to follow this agreement. You authorize us to deduct any such loss, cost or expense from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this agreement, we shall be entitled, subject to applicable laws, to payment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgement collection actions.

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