Online Banking Electronic Services Agreements

Electronic Fund Transfers Disclosure, ATM card, check card, Audioline and Online Banking services agreements

This disclosure contains important information regarding electronic fund transfer services you may obtain from Delta Community Credit Union (the “Credit Union”). These services may include Automated Teller Machine, Audioline, Shared Service Center transactions, point of sale purchase transactions, pre-authorized regular direct payment, direct deposits and Online Banking transactions.

You may also use information from your Checking Account to initiate a one-time electronic fund transfer from your account.

For purposes of these disclosures and agreements, the word “PIN” means Personal Identification Number, “AC” means Access Code, “ATM” means Automated Teller Machine, “POS” means Point of Sale purchase transaction, and “you” and “your” refer to all those signing the account application/signature card.

Please read this information carefully.

Use of any of the services constitutes that you agree with the terms and conditions of the Electronic Fund Transfers Disclosure and the following agreements.

SERVICES AVAILABLE

ATM Card and Check Cards — Allow you to: transfer money between your Savings and Checking Accounts at an ATM; withdraw money from your Savings or Checking Account at an ATM; purchase travelers checks from certain ATMs with funds transferred from your Savings or Checking Accounts; make account deposits at ATMs which accept deposits; Shared Service Center transactions including deposits withdrawals, check cashing, account inquiries, transfers between your accounts, and loan payments; and pay for purchases from your Checking Account at places that have agreed to accept the ATM Card and the Check Card (POS transactions).

Audioline — Allows you to: determine the outstanding balance of any of your deposit or loan accounts at the Credit Union; determine if a particular check you have written within the most recent transactions has been paid by the Credit Union; obtain deposit, loan and payroll deduction history on relevant accounts; transfer funds between your accounts or to your loans at the Credit Union (see Savings Account Limitations); request advances against your Overdraft Protection, Visa or Home Equity and Convenience Lines of Credit; request a check withdrawal from savings; and activate and cancel the Credit Union Visa cards and make first mortgage loan inquiries.

Online Banking — Allows you to: determine the outstanding balance of any of your accounts at the Credit Union; determine if a particular check you have written within the most recent transactions has been paid by the Credit Union; obtain deposit, loan and payroll deduction history within the most recent transactions involving the relevant account; transfer funds between your accounts or to your loan accounts at the Credit Union (see Transaction Limitations); and request advances against your Overdraft Protection, Visa or Home Equity and Personal Line of Credit. Additional services may be added to Online Banking.

Pre-authorized Direct Payments and Direct Deposits — By signing the necessary written authorization with the originating institution, you may arrange for the Credit Union to make regular direct payments from your Checking Account to the same person or company. You can also arrange to have regular direct deposits made to your account (for example, Social Security benefits).

Limitations On Use — ATM, Check Card with PIN and Shared Service Center: For your protection, there are limits on the dollar amount of cash withdrawal or transfers you can make per day from your accounts at an ATM, POS terminal with PIN, or Shared Service Center. Since knowledge of those limitations might aid a thief or other unauthorized person in withdrawing or transferring money from your accounts, we are not disclosing these limitations here. We recommend that you speak with one of the Credit Union’s employees for a confidential description for the limitations on ATM and Shared Service Center use.

Statements, Receipts, Records — Each time you use an ATM, Shared Service Center, or purchase goods or services through a POS terminal using your Check Card, you will receive a receipt summarizing the transaction. Your monthly account statement will also show deposits, withdrawals or transfers from that account, or advances against your accounts (1) made by use of an ATM Card at an ATM or Shared Service Center and, (2) made by use of a Check Card at a merchant location. Only balance inquiries made at an ATM will appear on your statement; those made at a Shared Service Center will not. If you use Audioline or Online Banking in a telephone transaction with the Credit Union, you will not receive a separate receipt for that transaction. Rather, your monthly account statement will show any withdrawals, payments or transfers from or to those accounts or advances made against your Overdraft Protection, Visa or Home Equity and Personal Line of Credit.

If you have arranged to have regular direct payments made from your account, your account statement will show all such payments made from your account during the month. If these regular payments vary in amount, the person you are going to pay should tell you 10 days before each payment when it will be made and how much it will be.

If you have arranged to have direct deposits made to your account at least once every 60 days from the same person, company or government agency, you may call the Credit Union at (404) 715-4725 or (800) 544-3328, or call Audioline at (404) 715-4627 or (800) 334-7536 to find out whether or not the deposit has been made. Your monthly account statement will show all pre-authorized direct deposits made to your account.

Charges for Transactions — An ATM transaction (such as a deposit, withdrawal, transfer or balance inquiry) will be deemed to have been made on the date that it is posted to your account by the Credit Union. All other charges for transactions in your account made with your ATM Card, Check Card, the Audioline and Online Banking will be at the same rates and in the same amounts (if any) as imposed by the Credit Union for transacting the same business personally with one of our tellers or by your use of a written check.

You will be charged a fee each time the Credit Union is required to notify the recipient of any direct payment from your account of a change in your account name, number or other information. The Credit Union’s Truth in Savings Disclosure Supplement contains a listing of the current charges for savings and Checking Accounts, including the current fees for ATM, POS transactions, Audioline, Online Banking and Online Bill Pay transactions.

In addition, you may incur a fee imposed by an ATM operator not holding your account, or by any national, regional, or local network used to complete the transaction.

You should be aware that an ATM Card and PIN, a Check Card and PIN, an Audioline AC and an Online Banking AC will allow a joint owner transfer capability on all accounts (deposit and loan accounts), including those accounts that are not jointly owned.

Liability for Unauthorized Transactions — Tell us AT ONCE if you believe your ATM Card, Check Card, PIN, Audioline AC or Online Banking AC has been lost, stolen, or used without your permission, or if a direct payment has been made or may be made out of your account without your permission. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus the maximum available credit under your Overdraft Protection, Visa, Home Equity or Personal Line of Credit, if any).

ATM Card: If you tell us of the loss, theft or unauthorized use within two (2) business days after you learn of the loss, theft or unauthorized use, you can lose no more than $50. If you do NOT tell us within two (2) business days after you learn of the loss, theft or unauthorized use and we can prove we could have stopped someone from using your card or AC or from making a direct payment without your permission if you had told us, you could lose as much as $500.

Check Card: If a transaction is made with your card or card number without your permission, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. Your liability for unauthorized use of your card or account will be determined under the following paragraphs for transactions at ATMs, or if you were grossly negligent in the handling of your account.

If you tell us within two business days, you can lose no more than $50 if someone used 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 we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows electronic transfers that you did not make, tell us at once. If you do not tell us with 60 days after the statement was mailed to you or made available through the Credit Union eStatements service service, you may not get back any money you lost after 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 hospital stay) kept you from telling us, we may extend the time periods.

Telephone and Address Disclosure — If you believe your ATM Card or Check Card has been lost or stolen, call the Credit Union at (404) 715-4725 or (800) 544-3328. If the Credit Union is closed, call (888) 644-9900. If you believe your Audioline AC has been lost or stolen or that someone has transferred or may cause the system to transfer money from your account without your permission, call the Credit Union at the above listed numbers or call Audioline to change your access code at (404) 715-4627 or (800) 334-7536. If your Online Banking AC has been lost or stolen or someone transferred money from your account without your permission, call (404) 715-4725 or (800) 544-3328. If the Credit Union is closed, you may change your access code through Online Banking at www.DeltaCommunityCU.com. Or, write the Credit Union at Delta Community Credit Union, P.O. Box 20541, Atlanta, Georgia 30320-2541.

Business Day Disclosure — The Credit Union’s business days are Monday through Friday, with the exception of holidays.

Our Liability for Failure to Make Transfers — If the Credit Union or Shared Service Center does not complete an ATM, POS, Audioline or Online Banking transaction on time or in the correct amount according to its agreement with you, or fails to credit your account with a direct deposit on time or in the correct amount, or fails to make a pre-authorized direct payment from your account on time or in the correct amount, the Credit Union will be liable for your losses or damages. However, there are certain exceptions. The Credit Union will not be liable, for instance,

• If through no fault of the Credit Union, you do not have enough money in your account to make the transfer.
• If the transfer goes over the credit limit on your home equity, overdraft protection, convenience loan account or Visa credit account.
• If the ATM or Shared Service Center where you were making the transfer does not have enough cash or travelers checks.
• If the ATM or POS terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If the Credit Union’s Audioline system is not operating and you were informed of that when you telephoned it.
• If the Credit Union’s Online Banking system has a disruption of service during a transaction.
• If circumstances beyond the Credit Union’s control prevent the transfer or direct deposit despite reasonable precautions taken.

There may be other exceptions stated in our agreement with you.

Account Information Disclosure — The Credit Union may disclose information to third parties about your account or about the transfers you make for them: (1) where it is necessary for completing transfers to or from your account; (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 permission to do so.

Stop Payment Disclosure Automated Clearing House (ACH) Payments — If you have told the Credit Union in advance to make an ACH payment out of your account, you can stop a payment. Call the Credit Union at (404) 715-4725 or (800) 544-3328 or write the Credit Union at P.O. Box 20541, Atlanta, Georgia 30320-2541 in time for the Credit Union to receive your stop payment request three (3) business days or more before the payment is scheduled to be made. The Credit Union may require you to sign an affidavit. There will be a charge for each stop payment order given as disclosed in our Truth in Savings Disclosure Supplement. If you order the Credit Union to stop one of these payments three (3) business days or more before the transfer is scheduled to occur and the Credit Union does not do so, the Credit Union may be liable for your losses or damages.

In Case of Errors or Questions About Your Electronic Fund Transfers, Pre-Authorized Direct Deposits or Payments — Telephone us or write us at the address above as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we send you the first statement or make it available through the Credit Union’s eStatements service, on which the error or problem appeared.

1. Advise us of your name and account number.

2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.

3. Advise us of 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 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days in case of a transfer resulting from a POS transaction or a transfer initiated outside of the United States) to investigate your complaint or question. If we decide to do so, we will recredit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes 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 recredit your account. Claims of errors for new accounts — opened within the last 30 calendar days — shall be given provisional credit within 20 business days. We may take up to 90 days to complete our investigation. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Check Card: If you report unauthorized use of your check card, we will give you provisional credit for the amount of the unauthorized use within five (5) business days after you receive notice of the unauthorized use.

ADDITIONAL TERMS AND CONDITIONS
You, the member, by using or permitting the use of your ATM Card and PIN, Check Card, Audioline AC or the Credit Union Online Banking, and the Credit Union, by issuing to you an ATM Card and PIN, Check Card, Audioline AC and/or Online Banking service agree as follows:

1. You may make or permit others to make withdrawals or transfers from, deposits to, and request loan advances against your deposit or loan account(s) with the Credit Union (“account”) by means of your ATM Card and PIN, Check Card, Audioline AC and/or Online Banking, and except as herein provided, such withdrawals, transfers, deposits, loan advances shall be governed by the terms and conditions set forth in all other agreements between you and the Credit Union governing the account. The Credit Union reserves the right in its discretion to modify, delete or add to the types of services you may obtain by use of your ATM Card and PIN, Check Card, Audioline and/or Online Banking.

2. The Credit Union may charge the account for money withdrawn, or transferred there from or advanced there against, and credit the account for items deposited therein by use of your ATM Card and PIN, Check Card, Audioline and/or Online Banking, and except as provided in paragraph 4 below, any charges against the account for money withdrawn or transferred there from or advanced there against by use of your ATM Card and PIN, Check card, Audioline and/or Online Banking shall be liable to the Credit Union for the amount, if any, by which money obtained from the Credit Union by use of your ATM Card and PIN, Check card, Audioline and/or Online Banking exceeds the balance of collected funds in the account.

3. If the account is a joint account, the Credit Union is authorized to recognize the ATM Card and PIN, Check Card, Audioline and/or Online Banking of either joint account owner in the payment or transfer of funds from or the transaction of any business with respect to the account, and except as provided in paragraph four (4) below, any charge against the account for money withdrawn or transferred there from or advanced there against by use of the ATM Card and PIN, Check Card, Audioline and/or Online Banking or either joint account owner shall be valid and discharge the Credit Union from liability.

4. Subject to any limitations imposed by federal law (including the Electronic Fund Transfers Act and the Federal Reserve Board’s Regulation E), you shall be liable and the Credit Union may charge the account for any unauthorized withdrawals or transfers from or advances against the account made with your ATM Card and PIN, Check Card, Audioline and/or Online Banking. See Liability for Unauthorized Transactions section for the handling of unauthorized transactions.

5. The Credit Union shall be entitled at any time to discontinue your access to the account by use of your ATM Card and PIN, Check Card, Audioline and/or Online Banking. If you have more than one account with the Credit Union, the Credit Union shall be entitled to at any time to discontinue your access to any such accounts by use of your ATM Card and PIN, Check Card, Audioline and/or Online Banking. Your ATM Card and PIN, Check Card, Audioline and/or Online Banking service are the property of the Credit Union and will be surrendered to the Credit Union by you on demand. The Credit Union may amend this agreement at any time at its discretion without prior notice to you. Without limiting the foregoing, the Credit Union may cancel your ATM Card and PIN, Check Card, Audioline or Online Banking (or the Credit Union may refuse to reissue same) if the Credit Union determines that you have negligently or recklessly used or failed to safeguard your ATM Card and PIN, Check Card, Audioline AC or Online Banking AC (such as for example, by writing your PIN on the ATM Card, Check Card, or on another document contained in your purse or wallet).

6. Any travelers checks purchased by you by use of your ATM Card or Check Card shall be purchased subject to the terms of your agreement with the travelers checks issuer and the Credit Union is hereby authorized to charge the account for each purchase and any fees incidental thereto.

7. Each time your Check Card is properly used at a POS terminal, you authorize the Credit Union to debit your account for the total amount indicated on any debit advice originated by use of your Check Card, whether or not you have signed any sales authorization. We will handle such debit transactions the same as authorized checks drawn on your account. No cash refunds will be made on purchases made by using your Check Card. The Credit Union will not be responsible for any claim you may have against any business establishment with respect to property or services purchased by use of the Check Card. Any such claim must be directed to the business establishment that accepted your Check Card. The Credit Union will not be responsible for any claim you have against any business establishment for refusing to honor your Check Card. You may not stop payment with respect to any transaction originated by use of your Check Card. The Check Card is a product of the Visa Corporation; therefore, it is covered by all the security features and safeguards that Visa provides.

8. A Visa Check Card may not be used for any illegal transaction.

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    Revision Date: A/LP031011