MORE ABOUT ONLINE BANKING

Transfer Limitations

Federal Regulation D limits certain transactions from a Share account to another Share or Share Draft account to six (6) per month.

Member Liability

Notify the Credit Union immediately if you believe your Online Banking access has been compromised. Calling us is the best way to minimize potential losses. You could lose all funds in your account, plus any available overdraft line of credit.

• If you notify us within two (2) business days after learning of the unauthorized access, your loss will be limited to $50.

• If you do not notify us within two business days, and we can demonstrate that we could have prevented the loss had you contacted us sooner, you could be responsible for up to $500.

If your account statement shows transfers you did not make, notify the Credit Union immediately. If you do not report the issue within 60 days after the statement was mailed, you may not be able to recover funds lost after that period if we can show that timely notice would have prevented the loss. If a valid reason (such as extended travel or hospitalization) prevented you from contacting us, the time limits may be extended.

If you believe an unauthorized person has accessed your account and has transferred—or may transfer—funds without your permission, contact the Credit Union immediately by phone or in writing.

Account Information Confidentiality

We will disclose information about your account or transactions only when:

• It is necessary to complete a transaction

• It is needed to verify the existence or condition of your account for a third party, such as a credit bureau or merchant

• We are required to do so by a government agency or court order

• You provide us with written authorization

Credit Union Liability

If we fail to complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be responsible for resulting losses or damages. However, we will not be liable if:

• You do not have sufficient funds in your account to complete the transfer

• The transfer would exceed your overdraft credit limit

• Circumstances beyond our control (such as fire, flood, or other emergencies) prevent the transfer despite reasonable precautions

• Other exceptions apply as outlined in your account agreement

Error Resolution

If you believe there is an error or have questions about an electronic transfer, contact the Credit Union as soon as possible by phone or in writing. We must hear from you within 60 days after sending the first statement on which the issue appeared.

When reporting an error, please provide:

• Your name and account number

• A description of the error or transaction in question and why you believe it is incorrect

• The dollar amount of the suspected error

If you notify us verbally, we may require written confirmation within 10 business days.

We will investigate and determine whether an error occurred within 10 business days of hearing from you and will correct any error promptly. If additional time is needed, we may take up to 45 days to complete the investigation. In such cases, we will provisionally credit your account within 10 business days for the amount you believe is in error, allowing you access to the funds during the investigation. If we request written confirmation and do not receive it within 10 business days, the provisional credit may not be issued.

For errors involving new accounts, point-of-sale transactions, or foreign-initiated transfers, we may take up to 90 days to complete the investigation. For new accounts, provisional credit may take up to 20 business days. We will notify you of our findings within three business days after completing the investigation. If no error is found, we will provide a written explanation. Copies of documents used in the investigation are available upon request.