ELECTRONIC FUNDS TRANSFERS - Terms And Conditions

The electronic fund transfers (EFTs) we are capable of handling are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. Refer to the fee schedule for any costs associated with any of these services. DIRECT DEPOSITS - You may make arrangements for certain direct deposits to be accepted into your Checking or Share Savings account(s). PRE-AUTHORIZED WITHDRAWALS - You may make arrangements to pay certain recurring bills from your Checking or Share Savings account(s). PERSONAL IDENTIFICATION NUMBER ("PIN") - the Credit Union may assign you, or you may select, a PIN to access your account(s). You agree not to give this confidential PIN to anyone. You agree that any transaction authorized by the PIN is considered authorized by you. If your PIN is lost, compromised, or given to someone not authorized to conduct business on your account, you will immediately contact the credit union in writing to cancel the PIN. If you fail to cancel the PIN, you will accept any transaction authorized on your account(s) through the use of the PIN. ACCESS-24 TELEPHONE TRANSFERS - TYPES OF TRANSFERS - There is no fee to obtain information on ACCESS-24. A $1.00 fee is charged for information provided by an employee that is available through ACCESS-24. You may access your account by telephone 24 hours a day at (940) 855-2828 using your personal identification number and your account number, to: transfer funds from checking to share savings transfer funds from share savings to checking transfer funds from share savings to share savings make payments from checking or savings to loan accounts with us get information about: the account balance of checking, savings, loan and all other accounts transactions in checking or savings accounts up to 30 days prior there are many other transactions available ATM TRANSFERS - TYPES OF TRANSFERS, DOLLAR LIMITATIONS, AND CHARGES - You may access your account(s) by ATM using your ATM card and personal identification number (PIN) to: get cash withdrawals from checking account(s) get cash withdrawals from share savings account(s) transfer funds from share savings to checking account(s) transfer funds from checking to share savings account(s) get information about: the account balance of your checking accounts the account balance of your share savings accounts. There is a charge of $1.00 for each withdrawal, transfer, or inquiry from any machine we do not own. The owner of the machine may charge a "surcharge" fee which we do not control. We do not charge members $1.00 for transactions on machines we own. Some of these services may not be available at all terminals. ATM DEBIT CARD TRANSACTIONS - You may access your checking or savings account(s) to purchase goods and pay for services in person. DEBIT CARD TRANSACTIONS - DOLLAR LIMITATIONS When using your debit card, you may not exceed the dollar limitations in transactions per day as set by the credit union. CHARGES FOR ELECTRONIC FUND TRANSFERS We do not charge for direct deposits to any type of account. We do not charge for pre-authorized withdrawals from any type of account. Except as indicated elsewhere, we do not charge for electronic fund transfers. RIGHT TO DOCUMENTATION TERMINAL TRANSFERS - You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines (ATM) or point-of-sale (POS) terminals. DIRECT DEPOSITS - If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (940) 855-2828 (ACCESS-24) or (940) 851-4000 to find out whether or not the deposit has been made. If the only possible transfers to or from your account are direct deposits, you will get a quarterly statement from us. PERIODIC STATEMENTS - You will get a monthly account statement from us for your checking accounts if you have activity on the account. You will get a quarterly account statement from us for your regular savings accounts, unless there are electronic funds activities in a particular month, in which case, you will get a statement for that month. STOP PAYMENT PROCEDURES AND NOTICE OF VARYING ACCOUNTS RIGHT TO STOP PAYMENT AND PROCEDURES FOR DOING SO - If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address below in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give. NOTICE OF VARYING AMOUNTS - If these regular payments vary in amount, the person you are going to pay will tell you, 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 TRANSFER - If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. OUR LIABILITY 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 will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: If, through no fault of ours, you do not have enough money in your account to make the transfer. If the transfer would go over the credit limit on your overdraft line. If the automated teller machine where you are making the transfer does not have enough cash. If the terminal or system 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 we have taken. There may be other exceptions stated in our agreement with you. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES We will disclose information to third parties about your account or the transfers you make: where it is necessary for completing transfers; in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; in order to comply with government agency or court orders; or if you give us written permission. UNAUTHORIZED TRANSFERS Tell us AT ONCE if you believe your card and/or personal identification number (PIN), have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account, plus your maximum overdraft line of credit and/or your overdraft privilege. If you tell us within two business days, you can lose no more than $50 if someone uses your card without your permission. If you do not tell us within two business days after you learn of the loss or theft of your card and/or code (PIN), and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you can lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason, such as a long trip or a hospital stay, kept you from telling us, we may extend the time period. If you believe your card and/or code (PIN) has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us immediately at the telephone number or address below. ERROR RESOLUTION In case of errors or questions about your electronic transfers, or if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt, call or write us at the telephone number or address below as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. 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. If you tell us verbally, we may require that you send us your complaint or question in writing within sixty (60) days. We will tell you the results of our investigation within 10 business days after we hear from you, or within 20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer, and will correct any error promptly. If we need more time, however, we may take up to 45 days, or 90 days if the transfer involved a point-of-sale transaction or foreign initiated transfer, to investigate your complaint or question. If we decide to do this we will re-credit your account within 10 business days, or 20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer, for the amount you think is in error, so that you will have the 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 within 10 business days, we may not re-credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. NOTIFY THE CREDIT UNION AT: TEXOMA COMMUNITY CREDIT UNION 3800 SHEPPARD ACCESS ROAD, P.O. BOX 1320 WICHITA FALLS, TEXAS 76307 Business days are Monday through Saturday (Excluding federal holidays) Telephone: (940) 851-4000