DISCLOSURE STATEMENTS

Transcription

1 DISCLOSURE STATEMENTS GENERAL INFORMATION The following disclosures apply to all of your accounts described in this disclosure held at First U.S. Community Credit Union. As used in this Agreement, the words we, our, us and Credit Union mean First U.S. Community Credit Union. The words you, your, yours, member, account holder and joint account holder mean the account holder and anyone else with the authority to deposit, withdraw or exercise control over the funds in the account. NCUA YOUR INSURED FUNDS: Share accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA), $250,000. The Dodd-Frank Wall Street Reform and Consumer Protection Act increased the insurance coverage on all accounts up to $250,000. Your funds are protected by the National Credit Union Administration, an agency of the federal government. First U.S. Community Credit Union meets high standards of safety and soundness in its operation in order to qualify for this insurance coverage. Your money deposited with First U.S. is backed by the full faith and credit of the United States government. The basic insured amount for a Credit Union member is $250,000. Share accounts maintained in different rights or capacities, or forms of ownership, may each be separately insured up to at least $250,000. Therefore, you may have or hold an interest in more than one separately insured share account at First U.S. Community Credit Union. IRA accounts are separately insured up to $250,000 per member. For more information on calculating share insurance coverage, visit! for an updated version of the Your Insured Funds brochure and other helpful guides and estimators. PAR VALUE The par value of a share at First U.S. Community Credit Union is $ A Regular Share/Membership Share Account must be maintained at $25.00 to be a member of First U.S. and utilize other services or benefits. INDIVIDUAL AND JOINT TENANCY SHARE ACCOUNT AGREEMENT WITH RIGHT OF SURVIVORSHIP First U.S. Community Credit Union is hereby authorized to recognize any of the signatures subscribed hereto in the payment of funds or the transaction of any business for the account. The joint owners of this account hereby agree with each other and with said Credit Union that sums now paid in on shares or heretofore or hereafter paid in on shares by any or all said joint owners to their credit as such joint owners with all accumulations thereon are and shall be owned by them jointly and equally with right of survivorship and be subject to the withdrawal of receipt of any of them and payment to any of them or the survivor or survivors shall be valid and discharge said Credit Union from any liability for such payment. All holders of the account will be jointly and severally responsible for all activity. Said joint owners do further agree that any amounts added to this account by reason of any Life Insurance shall be paid to the surviving joint tenant or joint tenants or joint tenants who are hereby designated as the beneficiary or beneficiaries of such insurance. Any or all of said joint owners may pledge all or any part of the shares in this account as collateral security to a loan or loans, regardless of whether the loan or loans are in the name of only one of the joint owners. The right or authority of the Credit Union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to said Credit Union which will not affect transactions therefore made. Shares are not transferable except on the books of the Credit Union. All parties to this account agreement shall keep the Credit Union informed of any change(s) in their address(es). If any owner or joint owner fails to send the Credit Union notification of a change of address, said owner understands and agrees that the Credit Union will continue to send notices, statements and other important information to the address shown in the Credit Union s records for that owner and owner agrees to release the Credit Union from any liability for doing so. Notice to one account holder is notice to all. The Credit Union may cash or deposit all checks payable to any signer when endorsed by any other signer. NOTE: All applicants must present valid Government issued Photo Identification, such as a State issued Driver License or a Passport, and a Social Security Card. All applicants must have a clear record with ChexSystems. In the event that proper documentation is not available or verifiable, additional steps may be taken to verify the prospective member s identity. Membership may be granted with limited transactional account access should nondocumentary verification be required or a record with ChexSystems exists. Such approval may be granted by a manager on a case-by-case basis. WITHDRAWALS (All Savings/Shares, Holiday Clubs, Y.E.S. Club/Youth Shares, Other Custom Share Accounts, All Money Market Accounts) First U.S. reserves the right to require 60 days written notice prior to withdrawal. Unlimited Withdrawals & Transfers There are no limitations on the number of withdrawals and transfers made: In person, over-the-counter, or by messenger. Via a signed request mailed to First U.S. At a First U.S. or Network ATM. By telephone, Phone-24, or pre-authorized agreement when the proceeds are made payable to the account holder. To First U.S. loans. Limited Withdrawals and Transfers Telephone or pre-authorized transfers between deposit accounts at First U.S., including overdraft transfers. Phone-24 or Home Banking transfers to deposit accounts at First U.S. Telephone or pre-authorized transfers to third parties (merchants or other financial institutions, insurance companies, etc.). When loans are in default withdrawals may be limited. First U.S. may also limit withdrawals if there is a dispute regarding the account, a legal garnishment or attachment is served, or if any required documentation has not been presented. You will be advised of the reasons for refusal if such action is taken. NOTE: Under Regulation D of the Monetary Control Act, non-transaction accounts (non-draft accounts) are limited to no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month to another account (including a transaction account) of the member at the Credit Union or to a third party by means of a preauthorized or automatic transfer (ACH), All-in-One Disclosure PAGE 1 OF 11 REVISED: 5/1/15

2 telephone, fax or request, check, draft or debit card, or similar order made by the member and payable to third parties. Share transfers exceeding the six per month limit must be authorized by the member in writing via mail, messenger or in person or via automated teller machine. Loan payments to loans held at the Credit Union are excluded in the six per month restriction. DIVIDENDS The Dividend Rate and Annual Percentage Yield on our share and certificate accounts are stated on the Savings Rate Schedule accompanying this disclosure. Disclosed dividends are prospective and subject to change. Dividends are paid from current income and available earnings and after required transfers to reserves at the end of the dividend period. Dividends are based on the Credit Union s earnings and cannot be guaranteed. Dividend rates may be tiered based on the balance of the account. ACCRUAL OF DIVIDENDS Dividends begin to accrue on the business day you make your deposit, including all cash and non-cash items. If you close or convert your share or share certificate account before dividends are credited, you will not receive accrued dividends. BALANCE COMPUTATION Dividends on all dividend bearing shares and share certificates utilize the daily balance method which applies the daily periodic rate to the balance in your account at the end of the day. CERTIFICATION Under penalties of perjury, you certify that the information provided on your Membership Application is true, correct, complete, and that if a Taxpayer Identification Number has not been provided in the space indicated; (a) Taxpayer Identification has not been issued to you and you have mailed or delivered an application to receive a Taxpayer Identification Number to the appropriate Internal Revenue Service Center or Social Security Administration Office (or you intend to mail or deliver an application in the near future), (b) you understand that if you do not provide a Taxpayer Identification Number to the Credit Union within sixty (60) days, we are required to withhold thirty-one percent (31%) of all reportable payments thereafter made to you until you provide a number. BY-LAW REQUIREMENTS The maximum amount of shares which may be held by any one member shall be established from time to time by resolution of the board. Shares may be transferred only from one member to another, by written instrument in such form as the Credit Union may prescribe. The Credit Union reserves the right, at any time to require members to give, in writing, not less than 7 days and not more than 60 days notice of intention to withdraw the whole or any part of the amounts so paid in by them. No member may withdraw shareholdings that are pledged as required for security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member s total primary and contingent liability to the Credit Union. No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the Credit Union if he/she is delinquent as a borrower, or if borrowers for whom he/she is co-maker, endorser, or guarantor are delinquent, without the written consent of a loan officer. UNCLAIMED PROPERTY LAW CALIFORNIA Credit Union Shares Conditions of Escheat to California: 1. Owner s (member s) address is in California, or 2. No owner (member s) address is shown in Credit Union s records Credit Union s principal place of business is in California, or 3. Owner s (member s) address is in another state Credit Union s principal place of business is in California and the state in which member resides does not escheat that item. Credit Union shares and accumulated dividends earned thereon will escheat to the State Controller if any one of the above conditions is met, if the member (shareholder of record) has done the following for more than three years: 1. Has not claimed a cash dividend, paid in, or withdrawn funds, or 2. Has not corresponded in writing with the Credit Union, indicating an interest in shares, or 3. Has not otherwise indicated an interest which is evidenced by a memorandum or other record on file with the Credit Union (example: a pledge of shares as security for a loan). STOP PAYMENTS Members may make a stop payment request for drafts written on their checking account at a branch office, by Phone-24 or First U.S. Online. Verbal stop payment requests are valid for two weeks. Written stop payment requests are valid for six months, at which time they would need to be renewed to remain in effect. Stop payments cannot be placed by members on corporate checks, cashier s checks, or loan checks. Stop payment requests for lost or stolen corporate checks, cashier s checks, or loan checks will be reviewed by the Credit Union. An affidavit will be required and a bond may be required to insure the claim. Stop payments cannot be placed on corporate checks, cashier s checks, or loan checks until 90 days from the date of issuance have elapsed. SEVERABILITY If any part of this agreement should be held to be unenforceable, the remaining provisions of this agreement should remain in force and effect. Waiver of Certain Rights The Credit Union Reserves the right to waive the enforcement of any provision of this Agreement with respect to any transaction(s). Any such waiver will not affect the right of the Credit Union to enforce any of its rights and is not sufficient to modify the terms and conditions of this Agreement. Enforcement of Liens To the extent allowable under applicable law, all funds in an account remain subject to any and all liens, including but not limited to, statutory liens and/or consensual liens, security interests, rights of set off and charges, notwithstanding the source of contribution. Requirement to Maintain a Regular Share Account You must open a share account to open any subsequent accounts. You must maintain your share account to avoid closure of that account and any subsequent account. You must also pay the one-time nonrefundable membership fee stated in this Agreement. Changes in Terms and Conditions The use of an account is subject to other terms, conditions and requirements as the Credit Union may establish from time to time. The Credit Union has the right to change the terms and conditions of this Agreement at any time, in any manner, and for any reason. We may delete or modify existing terms. We may add new terms without regard to whether the matter is already addressed by this Agreement. We may offer new or different services at any time and may convert an existing account or service into a new account or service. We will generally notify you in advance of changes by sending written notice to your address as it appears on our records. However, we may make changes without sending you advance notice, unless such notice is required by law. By continuing to use or keep your account open, you will be deemed to accept and agree to any such change in terms. Accounts Verified By: ChexSystems All-in-One Disclosure PAGE 2 OF 11 REVISED: 5/1/15

3 Incorporation of Membership and Account Application, IRA Agreement and Disclosure and Share Certificate Agreement and Disclosures All other terms and disclosures for our Individual Retirement Accounts and Share Certificates are contained in the Credit Union s Individual Retirement Account Agreement and the Share Certificate Agreement and Disclosures. These documents and Membership and Account Application, by this reference, are incorporated into this account disclosure in their entirety. When you open your IRA and/or Share Certificate, the appropriate agreements and disclosures will be supplied to you. ILLEGAL USAGE You agree not to use any product or service for any illegal purpose or any illegal manner. This includes but is not limited to Internet gambling. FUTURE CREDIT OPPORTUNITIES The Credit Union makes credit available to its members on a regular basis. The owner(s) of this account authorize the Credit Union to obtain credit reports in connection with future credit opportunities. The owner(s) also authorize the Credit Union to furnish information concerning the account to consumer credit reporting agencies. NEGATIVE CREDIT REPORTING As required by state law, you are hereby notified that negative credit information may be reported to a credit reporting agency for failure to fulfill your credit obligations. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. Reporting Inaccurate Information. If you believe the Credit Union is reporting inaccurate information to a credit reporting agency, please notify us at 580 University Avenue, Sacramento, CA so we can investigate. CLOSURE OF ACCOUNT The Credit Union reserves the right to close the account for abusive use. STATEMENTS The owner(s) to whom the periodic statement is sent agree(s) to exercise reasonable care and promptness in examining the statements to discover any errors or discrepancies, and to promptly notify the Credit Union after discovery thereof. Statements are deemed correct if we do not hear from you within 60 days after we mail the statements to you. Fees and Charges. All accounts shall be subject to service charges in accordance with fees schedules adopted by the Credit Union as amended from time to time. Credit Union s Right of Offset You agree that the Credit Union has the right of offset against any account of any account owner to cover any amount owing to the Credit Union for any reason. Account owner(s) understand(s) that this means that the Credit Union has the right to impress and enforce a statutory lien against the owner s(s ) share and dividends in the event of the failure of any owner to satisfy any financial obligation due and payable to the Credit Union. You understand that the Credit union may enforce this right, unless prohibited by law from doing so, without further notice to you. Governing Law. This Agreement shall be construed in accordance with the laws of the State of California. Collection Costs. You agree to pay the Credit Union s collection costs, including but not limited to, our reasonable attorney fees and costs associated with our efforts to collect any negative balance in any account you have with the Credit Union. SAVINGS ACCOUNTS (INCLUDING Y.E.S. CLUBS/YOUTH SHARES) ELIGIBILITY There are two ways to join First U.S. Community Credit Union: CHOICE NO. 1 $30 ($25 Deposit, $5 one time fee) A $5.00 membership fee is required to join First U.S. Community Credit Union. Minimum balance required to keep account open is $ You must apply for another service the Credit Union offers such as: IRA Account, Certificate Account, Premier Money Market Account, Checking Account or any type of Loan Account or VISA (with the exception of an ATM/Debit Card). A monthly service fee is assessed on all accounts (age 17 and under excluded) that do not maintain a minimum share balance of $100.00, or another share or loan at the Credit Union. See current Pricing Schedule for fee amount. If you do not wish to take an additional eligible service the Credit Union offers, but instead only want a savings account, you should opt for Choice No. 2. CHOICE NO. 2 $105 ($100 Deposit, $5 one time fee) A $5.00 membership fee is required to join First U.S. Community Credit Union. Minimum deposit required to keep account open with no assessment is $ A monthly service fee is assessed on all accounts (age 17 and under excluded) that do not maintain a minimum $ balance or do not have another share or loan at the Credit Union. DAILY DIVIDENDS Dividends are calculated daily, paid and compounded monthly. Dividends are earned on the whole balance each day providing you maintain the minimum balance of $ Dividends are compounded at the end of the dividend period, which is monthly. Dividends are available to the owner(s) of the account anytime after they are paid; dividends are paid monthly on the first day of the following month. Dividends are variable and the Dividend Rate and Annual Percentage Yield may change at any time at the Credit Union s discretion. DREAM SHARES Minimum balance is $1.00. No minimum deposit amount. No monthly fee. No ATM access, however deposits and withdrawals may be made by Phone-24 or First U.S. Online at any time. Dividends are earned like all other share accounts. EXTREME SAVINGS Deposits can be made in any dollar amount up to a monthly maximum of $1, per household. Deposits are limited to automatic recurring deposits such as direct deposit, payroll deduction or automatic transfer from a First U.S. checking account or from an outside financial institution. First U.S. Online and Phone-24 access is limited to inquiries only. Dividends are earned like all other share accounts. IRA (Individual Retirement Account) and HSA (Health Savings Account) All-in-One Disclosure PAGE 3 OF 11 REVISED: 5/1/15

4 Refer to separate IRA Disclosures. For Regular IRA Shares there is no minimum balance to open the account; the minimum balance to maintain in the account is $1. Dividends are calculated daily, paid and compounded monthly. Dividends are paid monthly on the first day of the following month. For example, dividends for the period of January 1 st 31 st are paid on February 1 st. Dividends are variable and the Dividend Rate and the Annual Percentage Yield may change at any time at the discretion of the Credit Union. HOLIDAY CLUB Holiday Clubs will earn daily dividends like other share accounts ($100 minimum balance required to earn dividends). They will mature on November 1 of each year, and dividends will be paid monthly. This account may be opened at any time, and funds may be withdrawn at any time. CHECKING / SHARE DRAFT ACCOUNTS Current fees associated with Checking account requirements and/or usage are available on the current Pricing Schedule. You hereby acknowledge receipt of the current Pricing Schedule when you received these Terms and Disclosures. The current Pricing Schedule is available at any First U.S. branch office, online at or by calling the Credit Union directly. FOR ACCESS, BUDGET, CLASSIC, DIVIDEND, MONEY MARKET, STUDENT ACCESS, ULTIMATE AND BETTER THAN FREE CHECKING ACCOUNTS, IN ADDITION TO THE OTHER TERMS HEREIN, IT IS AGREED THAT: 1. Only share draft forms and other methods approved by the Credit Union may be used to withdraw funds from your Share Draft/Checking Account. 2. Shares pledged by member and/or joint owner for security on other Credit Union loans may not be used to pay overdrafts. 3. The shares in the Share Draft Account may not be pledged as security for any type of loan. 4. In addition to the special Share Draft Account, members will establish and maintain a regular savings account with a minimum share balance of $25.00 at all times. 5. The Credit Union is not under obligation to pay a share draft or ACH item that exceeds the fully paid and collected share balance in the Share Draft Account. However, if the member has signed up for overdraft options and any of the account holders write a share draft that would exceed the Share Draft balance and results in this account being overdrawn, the Credit Union may: a. Treat such share drafts as a request to the Credit Union for an advance or transfer in multiples of $50.00 from any authorized source and in the order specified by member (Share Account, Money Market Account, or Applicable Line of Credit). Overdraft protection cannot be designated to come out of another Share Draft Account. b. If funds are not available on a designated Line of Credit Loan or any other designated share account, the share draft or drafts may be returned to the payee for insufficient funds and your share draft account will be charged a fee per draft returned. c. The Credit Union is not obligated to inquire into the source of funds received for deposit to a joint account, or to inquire as to the proposed use of any sums withdrawn from the account for the purpose of establishing net contribution. 6. Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a share draft. Damages in any case shall be limited to actual damages. It is your responsibility to provide proof of the actual amount of loss. 7. Any objection respecting any item shown on a monthly statement of the Share Draft Account shall be waived unless made in writing to the Credit Union on or before the thirtieth day following the day the statement is mailed. 8. All non-cash payments received on shares in the Share Draft Account will be credited subject to final payment. 9. The Credit Union does not accept postdated orders. 10. The use of the Share Draft Account is subject to such other terms, conditions and requirements as the Credit Union may establish from time to time. 11. It is understood that this agreement may be terminated at any time by written notice by the Credit Union or member. Member agrees to return all unused drafts to the Credit Union immediately upon termination of this agreement by either party. 12. Truncation of Drafts -The owner(s) acknowledge that share drafts are truncated and will not be returned to you in your statement and waive any right to receive the items without prejudice. 13. A monthly fee may be imposed, see Pricing Schedule for details and specific charges. 14. Dividend Checking, Money Market Checking, Ultimate Checking and Better Than Free Checking are the only checking accounts that may earn dividends. Dividends are calculated daily, paid and compounded monthly on the first of the following month. The dividend rate is set by the Board of Directors based on earnings. These accounts are variable rate accounts and dividends are calculated on a daily basis which applies the daily periodic rate to the balance for every day that the minimum is met. No dividends are paid if the account is closed or converted before the end of the month. NOTE: There is no penalty for withdrawal of funds. Checking / Share Draft Account Explanation All of the following checking accounts have: Unlimited check writing; Member is responsible for all check printing charges beyond any given feature per product; Free and unlimited transactions at First U.S. ATMs; When using a non-first U.S. or non-co-op ATM surcharges from the ATM owner may apply; All merchant fees are applicable for Point-of-Sale transactions. Access Checking No minimum balance requirement. No monthly fee. Direct Deposit is required. Free and unlimited transactions at all CO-OP Network ATMs. Free and unlimited Point-of-Sale transactions. Budget Checking (Not available for new accounts after 08/01/2007) No minimum balance requirement. No monthly fee is imposed if a net paycheck is electronically deposited to this account or $5, in aggregate deposits for the month is maintained; otherwise a monthly service charge will apply, waived for members age 60 and older. Free and unlimited transactions at all CO-OP Network ATMs. First four (4) transactions at non-first U.S. and non-co-op ATMs per month free, then all others charged a fee per transaction (see Pricing Schedule). Free and unlimited Point-of-Sale transactions. Classic Checking No minimum balance requirement. No monthly fee is imposed if a $ average daily balance is maintained; otherwise a monthly service charge will apply, waived for members age 60 and older. First four (4) transactions at non-first U.S. ATMs per month free, then all others charged a fee per transaction. Point-of-Sale fee applies (see Pricing Schedule). Dividend Checking Minimum opening deposit is $ Minimum balance to earn dividends is $ No monthly fee is imposed if a $ minimum balance is maintained in this account at all times, or $2, aggregate balance in other deposit accounts under the same account number, or the net paycheck is electronically deposited into this account; otherwise a monthly service charge will apply, waived for members age 60 and older. Free and unlimited transactions at all CO-OP network ATMs. First four (4) transactions at non-first U.S. and non-co-op ATMs per month free, then all others charged a fee per transaction. All-in-One Disclosure PAGE 4 OF 11 REVISED: 5/1/15

5 Money Market Checking Minimum opening deposit is $5, The monthly service fee is waived if the end of the day balance remains $5, Dividends are paid on any day during the month if balance remains $5, or more. Free and unlimited transactions at all CO-OP Network ATMs. Free and unlimited Point-of-Sale transactions. First box of corporate image checks free. Free cashiers checks and corporate checks. Student Access Checking No minimum balance requirement. No monthly fee. Direct Deposit is optional. Free and unlimited transactions at all CO-OP Network ATMs. Free and unlimited Point-of-Sale transactions. Member must be a full- or part-time student. Ultimate Checking Minimum opening deposit is $50, The monthly service fee is waived if the end of day balance remains $50, Dividends are paid on any day during the month that balance remains $50, or more. Free and unlimited transactions at all CO-OP Network ATMs. Free and unlimited Point-of-Sale transactions. First box of corporate image checks free. Free cashiers checks and corporate checks. Better Than FREE Checking No minimum balance requirement. No monthly fee. Dividends are paid on balances up to first $ in months during which direct deposit of net payroll is maintained. Rates, terms, offers and Annual Percentage Yield (APY) subject to change at any time without notice. Free VISA Debit card with 1% cash-back on signature-based purchase transactions during the first six months following account opening up to a maximum of $200.00; account must be open when 1% cash-back posts; new checking accounts only. Free and unlimited transactions at all CO-OP Network ATMs, two free other network ATM transactions and one ATM surcharge rebate ($1.50 maximum) per month upon request. Free and unlimited Point-of-Sale transactions. First box of corporate image checks free (nonduplicates). First NSF item free upon request per year; otherwise tiered NSF fee structure applies (see Pricing Schedule). Free e-alerts, Free Online Banking and Free Bill Payment. e-statements, which require additional setup by the member once logged into Online Banking, are required; otherwise a paper statement fee may apply (see Pricing Schedule). ORDER OF POSTING: Understanding Your Available and Actual Balance Order of Posting The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. We will pay checks, automated debits (ACH), Debit Card transactions, ATM withdrawals and point-of-sale transactions in the order presented to the Credit Union. Multiple checks presented for payment on the same day will be paid in check number order. For ACH transactions (including checks converted to automated debits by merchants), deposits are posted first, then debits are posted by settlement date. For ATM Card and Debit Card transactions, items are posted in the order received. You understand that the order in which items are processed can affect the total amount of fees that may be assessed against your account. The Credit Union reserves the right to adjust the above processing times in its sole discretion. Actual and Available Balances It is also important that you understand the difference between your actual balance and your available balance in order to properly manage the money in your account and avoid overdraft and insufficient fund fees. Your actual balance is literally how much money you have in your account. Your available balance is the amount you have in your account at a particular time that is available for immediate withdrawal. Your available balance is updated throughout the day to reflect holds, pending transactions and cleared deposits. The difference between your actual balance and your available balance is the result of pending activity that has not yet posted to the account (example, any pending deposits, checks, transfers and withdrawals or holds on your account). We will use the available balance in your account to determine if you have sufficient funds to cover your transactions. You can determine your available balance at the ATM, by phone or by accessing your account online or with mobile banking. You understand that you may be overdrawn even when your actual balance is positive. You also understand that you may still overdraw your account even though the available balance appears to show there are sufficient funds to cover a transaction that you wish to make because your available balance will not reflect all your outstanding checks, automatic bill payments or recent deposits. In addition, your available balance will not reflect all of your debit card transactions. For example, if a merchant obtains your prior authorization but does not submit a one-time debit card transaction for payment within three (3) business days of authorization (or for up to thirty (30) business days for certain types of debit card transactions), we are required to release the authorization hold on the transaction. The available balance will not reflect this transaction once the hold has been released until the transaction has been received by us and paid from your account. You must keep careful records and practice good account management to avoid making transactions without sufficient funds available for withdrawal. For additional details on the availability of your funds for withdrawal, see the section entitled Funds Availability Policy. If you have additional questions about your available or actual balance, please see a branch representative or call (916) or (800) INSUFFICIENT FUNDS Overdrafts and Returned Items If, on any day, the available funds in your share or share draft account are not sufficient to pay the full amount of a check, draft, transaction, ACH debit, or other item posted to your account plus any applicable fee (for overdraft protection or NSF ), we may pay or return the overdraft. We do not have to notify you if your account does not have sufficient available funds to pay an overdraft. We will generally charge a fee for any item presented for payment on a business day when your account is overdrawn. If we pay it, we will charge an overdraft protection fee or (NSF paid fee), subject to the limitations set under applicable law. If we return it, we will generally charge a return item (NSF unpaid) fee. Please refer to the Pricing Schedule for a listing of the fees. For ATM and one-time debit card transactions, you must consent to the Credit Union s Debit/ATM card protection plan in order for the transaction amount to be covered under this plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from ATM and one-time debit card transactions, unless you have Overdraft Transfers. With Overdraft Transfers, you can link an eligible savings, money market or line of credit account to your checking account. Then, if you overdraw your checking account, available funds from the linked accounts will be automatically transferred to cover your transaction or negative checking balance. There is no cost to enroll and you only pay a transfer fee if you have an overdraft. Please refer to the Pricing Schedule for the current overdraft transfer fee. You can also get tools like First U.S. Mobile Banking and ealerts to help you manage your account and avoid overdrafts. Except as otherwise agreed to in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy. COURTESY PAY Paying Overdrafts through our Courtesy Pay (NSF Paid) program requires the following: All other pre-designated methods of overdraft protection are utilized first. All-in-One Disclosure PAGE 5 OF 11 REVISED: 5/1/15

6 Must be a member for at least 30 days and be in good standing with First U.S. Community Credit Union. Must Opt-In to specifically cover one-time Debit and ATM card transactions. (Effective August 15, 2010 for existing members and July 1, 2010 for new accounts). Courtesy Pay for checks, ACH and reoccurring debit card transactions will continue to be available without specific Opt-In unless you do not wish to participate in the program as described below. Direct Deposit of net check is preferred. The amount available by Courtesy Pay is up to $1, Negative balances must be immediately cured upon notification. A per item fee will be charged in accordance with the current Pricing Schedule. If you do not Opt-In to one-time Debit and ATM Card Protection / Courtesy Pay, the item will be declined and no NSF paid fee will be charged by the Credit Union. Program and individual participation are subject to cancellation. Courtesy Pay is offered as a service to members when an account oversight occurs, but is not guaranteed. Courtesy Pay is not intended to replace a revolving line of credit. If you do not wish to participate in the Courtesy Pay program you may write to: First U.S. Community Credit Union 580 University Ave Sacramento CA, SAFE DEPOSIT BOXES The Credit Union has Safe Deposit Boxes available for rent at our Watt Avenue and Wissemann branches in Sacramento and Auburn branch in Auburn. Maintaining an active checking account with First U.S. is required to be able to rent a safe deposit box. The primary member must be the primary signor on the lease. The annual lease fee is non-refundable and payable in advance for the lease period. The initial payment for one year will be payable at the time of leasing. Subsequent lease payments will automatically be deducted yearly from the checking account indicated on the lease agreement. The annual lease fee and other charges are disclosed in the Pricing Schedule. Safe deposit boxes are subject to State Escheat Laws. At the time of request to lease a safe deposit box, a disclosure will be given of the terms and conditions applicable to the lease. TIERED RATE MONEY MARKET ACCOUNTS & TIERED RATE IRA MONEY MARKET ACCOUNTS MONEY MARKET SAVINGS / PREMIER MONEY MARKET / PREMIER PLUS MONEY MARKET ACCOUNT Money Market Savings Accounts There is no minimum balance to open the account; however the minimum balance to maintain in the account is $2,500. If the $2,500 daily balance is not maintained, a monthly fee will be charged (see current Pricing Schedule for current fee amount). Balances below $300 will receive no dividends for that day. Premier Money Market Accounts The minimum balance to open the account and the minimum balance to maintain is $2,500. Balances below the $2,500 minimum receive no dividends for that day. Premier PLUS Money Market Accounts The minimum balance to open the account and the minimum balance to maintain is $50,000. Balances below the $50,000 minimum receive no dividends for that day. Please see the Savings Rate Schedule for the tiers for each account type and Dividend Rates and Annual Percentage Yields for each tier. Dividends for Money Market Savings Account, Premier Money Market, and Premier PLUS Money Market Accounts are calculated on a Day of Deposit to Day of Withdrawal basis. Dividends will be calculated daily, paid and compounded monthly. Dividends are computed through month end and posted the first day of the next month. For example, dividends for the period of January 1 st 31 st are paid on February 1 st. Dividends are variable and the Dividend Rate and Annual Percentage Yield may change at any time at the Credit Union s discretion. Access to the full amount on deposit may be limited online, by Phone-24, at an ATM or other remote access method. Withdrawals from Money Market Accounts are permitted up to six per month. There is no minimum withdrawal amount. First U.S. Community Credit Union reserves the right to require seven days advance notice of withdrawals or closure of any Money Market Accounts. IRA MONEY MARKET SAVINGS / IRA PREMIER MONEY MARKET / IRA PREMIER PLUS MONEY MARKET SHARE ACCOUNT IRA Money Market Savings Accounts There is no minimum balance to open the account; however the minimum balance to maintain in the account is $2,500. If the $2,500 daily balance is not maintained, a monthly fee will be charged (see current Pricing Schedule for current fee amount). Balances below $300 will receive no dividends for that day. IRA Premier Money Market Accounts The minimum balance to open the account and the minimum balance to maintain is $2,000. Balances below the $2,000 minimum receive no dividends for that day. IRA Premier PLUS Money Market Accounts The minimum balance to open the account and the minimum balance to maintain is $50,000. Balances below the $50,000 minimum receive no dividends for that day. Please see the Savings Rate Schedule for the tiers for each account type and Dividend Rates and Annual Percentage Yields for each tier. Dividends for IRA Money Market Savings Account, IRA Premier Money Market, and IRA Premier PLUS Money Market Accounts are calculated on a Day of Deposit to Day of Withdrawal basis. Dividends will be calculated daily, paid and compounded monthly. Dividends are computed through month end and posted the first day of the next month. For example, dividends for the period of January 1 st 31 st are paid on February 1 st. Dividends are variable and the Dividend Rate and Annual Percentage Yield may change at any time at the Credit Union s discretion. Withdrawals from IRA Money Market Accounts are permitted up to six per month. There is no minimum withdrawal amount. IRA regulations do apply (see IRA disclosure). First U.S. Community Credit Union reserves the right to require seven days advance notice of withdrawals or closure of any IRA Money Market Account. NON-TIERED RATE MONEY MARKET ACCOUNTS (NOT AVAILABLE FOR IRAS) SILVER MONEY MARKET / GOLD MONEY MARKET / PLATINUM MONEY MARKET All-in-One Disclosure PAGE 6 OF 11 REVISED: 5/1/15

7 Silver Money Market Account The minimum balance to open the account is $35,000. Dividends are paid on all days balance is at least $35,000. Monthly fee waived if balance is at least $35,000 at all times. See current Pricing Schedule for fee amount. Gold Money Market Account The minimum balance to open the account is $75,000. Dividends are paid on all days balance is at least $75,000. Monthly fee waived if balance is at least $75,000 at all times. See current Pricing Schedule for fee amount. Platinum Money Market Account The minimum balance to open the account is $150,000. Dividends are paid on all days balance is at least $150,000. Monthly fee waived if balance is at least $150,000 at all times. See current Pricing Schedule for fee amount. Please see the Savings Rate Schedule for current Dividend Rates and APYs. Dividends for Silver, Gold and Platinum Money Market Accounts are calculated on a Day of Deposit to Day of Withdrawal basis. Dividends will be calculated daily, paid and compounded monthly. Dividends are computed through month end and posted the first day of the next month. For example, dividends for the period of January 1 st 31 st are paid on February 1 st. Dividends are variable and the Dividend Rate and Annual Percentage Yield may change at any time at the Credit Union s discretion. Access to the full amount on deposit may be limited online, by Phone-24, at an ATM or other remote access method. Withdrawals from Money Market Accounts are permitted up to six per month. There is no minimum withdrawal amount. First U.S. Community Credit Union reserves the right to require seven days advance notice of withdrawals or closure of any Money Market Accounts. FUNDS AVAILABILITY POLICY YOUR ABILITY TO WITHDRAW FUNDS AT FIRST U.S. COMMUNITY CREDIT UNION Our policy is to make funds available to you as quickly as good business practices allow. When the availability of cash and check deposits are delayed, your funds are not available for cash withdrawals and we will not use the funds to pay checks that you have written or authorize point-of-sale, debit card, or ATM transactions. DETERMINING THE AVAILABILITY OF A DEPOSIT For determining the availability of your deposits, every day is a business day, except Sundays and federal holidays. If you make a deposit in a branch during regular business hours, on a business day that we are open, we will consider that day to be the day of your deposit. Deposits not made during regular business hours (after 5:30 pm Monday through Thursday, after 6:00 pm on Friday and after 2:00 pm on Saturday at our Watt Ave (Sacramento), Auburn, Gold River (beginning 4/1/15), Grass Valley or Rocklin branches or on a day when we are not open, we will consider the next business day to be the day of your deposit. If the availability of any of your deposits is delayed you will have $200 available immediately. SAME-DAY AVAILABILITY Funds from the following sources are available on the day we receive the deposit.! Electronic direct deposits and wire transfers to your accounts. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the day we receive the deposit.! Cash! Checks drawn on First U.S.! U.S. Treasury, State and local government checks that are payable to you! Cashiers, certified, and teller checks that are payable to you (Case-by-Case Delays may apply)! Federal Reserve Bank checks, Federal Home Loan checks, and U.S. Postal Service money orders, that are payable to you Case-by-Case Delays- In some cases, we will not make all of the funds that you deposit available on the day you make your deposit. Depending on the type of check that you deposit, and the length and status of your account, funds may not be available until the second business day after the day of your deposit. If we are not going to make all of the funds from your deposit available to you, the first $200 of your deposit will be available immediately. LONGER DELAYS MAY APPLY, see below. Third Party Checks- To protect your account, the Credit Union has the right to refuse checks made out to third parties. To deposit a check made payable to a person who is NOT on your account, we will require that the payee appear personally in the branch with unexpired government-issued photo ID. There will be a five-day hold on all third-party checks; however $200 of the deposit will be available immediately. Checks made out to minors will be handled on a case-by-case basis. Any time we are unable to make funds immediately available and we have not been able to tell you in person, we will mail you a notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. EARLY PAYDAY PROGRAM First U.S. will make electronic direct deposit funds available up to one (1) day prior to the settlement date specified by the originator, provided we have received electronic notification of pending deposit. Other terms, conditions and restrictions may apply. ATM DEPOSITS NEXT DAY AVAILABILITY Funds deposited at an ATM, whether the Credit Union s ATM or a CO-OP ATM, are available on the first day after the day of your deposit. $200 of your deposit will be available immediately. SPECIAL RULES FOR NEW ACCOUNTS (open 30 days or less) If you are a new member, the following special rules will apply during the first 30 days that your account is open. Funds from electronic direct deposits, wire transfers, and deposits in person of cash, cashiers, certified, tellers, travelers, and federal, state and local government checks, made payable to you, may be available on the day we receive the deposit. Funds from all other deposits, including ATM deposits (except for $200 that will be available immediately), will not be available until the fifth (5 th ) business day after the day of your deposit. LONGER DELAYS MAY APPLY, see below. LONGER DELAYS MAY APPLY Funds you deposit by check may be delayed for a longer period of time under the following circumstances:! We believe a check you deposited will not be paid.! You deposited checks totaling more than $5,000 on any one business day.! You re-deposit a check that has been returned unpaid.! You have overdrawn your account repeatedly in the last six months.! There is an emergency, such as failure of communications or computer equipment. All-in-One Disclosure PAGE 7 OF 11 REVISED: 5/1/15

8 We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. This disclosure covers: " ATM or DEBIT Cards " PHONE-24 Automated Telephone " First U.S. Online Home Banking " Mobile Banking " Automated Clearing House (ACH) " Point-of-Sale " Bill Payment Services " Pre-Authorized Debits or Credits " VISA used with PIN ELECTRONIC FUNDS TRANSFERS 1. PURPOSE OF DISCLOSURE. The disclosure defines your responsibility and that of First U.S. Community Credit Union with respect to electronic funds transfers ( EFT ). You understand that the agreements and rules and regulations applicable to your accounts will remain in effect and continue to be applicable. The Credit Union can change the terms of this agreement without notice, unless notification is required by law. Access to any EFT service may be discontinued without notice. 2. APPLICATION OF THIS DISCLOSURE. This disclosure applies to any electronic funds transfer made to or from your account(s) through the use of your ATM/DEBIT card at any authorized ATM, or made through the use of your Personal Identification Number (PIN) in conjunction with any automatic telephone service or any electronic transfer. An electronic fund transfer is defined as any transfer of funds other than by check or other paper instrument which is performed through the use of an ATM, automatic telephone service or other electronic device. The Electronic Services which are covered by this disclosure are: a. Deposits to certain share accounts and to your checking account; b. Withdrawals from certain share accounts or checking accounts mailed to the address on your account; c. Inquiries into your account balance(s); d. Payments on Credit Union loans; e. Transfers between shares, checking and loan accounts owned by the same members or between predesignated accounts when applicable; f. Line of Credit loan advances; g. Transactions at authorized merchants to pay for purchases or services, or to obtain cash advances; h. Automatic credits or deposits authorized by you; i. Bills paid directly by personal computer or telephone from your checking account in the amount and on the days you request; j. Any other services which the Credit Union may offer in the future. 3. VISA/DEBIT CARD ACTIVATION OR DEACTIVATION. Your VISA/debit card can be activated or deactivated 24 hours a day by calling (916) or (877) LIMITATIONS OF DOLLAR AMOUNTS OF ATM/DEBIT/POS TRANSACTIONS, INCLUDING HELOC CARD. You can use your VISA/DEBIT card to obtain up to the limit given to you by the Credit Union. ATM limit - $510 per day and Point-of- Sale - $510 per day when PIN is used. Purchases with signature authorization are limited to $10,000 per day. The system may be inoperative at different periods of time for servicing. At that time your limit may be reduced. Transactions available through ATM networks are limited by the capabilities of the individual ATM. First U.S. reserves the right to refuse any transaction. There may be a charge for usage of a foreign ATM. Activity on ATM cards linked to non-transaction accounts such as savings or money market accounts are limited by Regulation D, which imposes a six transfer/withdrawal limit on savings accounts, which includes the following types of transactions: Pre-authorized or automatic debits, telephone transfers, or transfers initiated by personal computer to another account at the same credit union or to a third party during a calendar month or statement cycle. 5. FEES AND CHARGES. Fees may be charged and are subject to change from time to time. There is no charge to use Phone- 24, First U.S. Online, Bill Payment, or for participating in Direct Deposit. However, First U.S. reserves the right to impose service charges in the future after giving notice. ATM and pre-authorized debits are subject to fees. Refer to First U.S. Pricing Schedule for current fees. When you use an ATM not owned by First U.S. you may be charged a fee by the ATM operator or any network used in processing the transaction, and you may be charged a fee for an inquiry even if you do not complete a funds transfer. 6. MAKING ELECTRONIC FUNDS TRANSFERS. You agree to follow the instructions posted or otherwise authorized by you for the use of any authorized ATM, with an Automated Telephone Service or other electronic transfer. 7. RETENTION OF VISA/DEBIT CARD. If the wrong PIN is entered three (3) times, the card will be retained by the ATM. 8. VISA/DEBIT CARD PIN. Your VISA/DEBIT CARD PIN will be randomly selected by the computer system. You may bring your card(s) to any office and re-encode your card with your own personally selected PIN. The card and PIN will be mailed to you separately when a new card is ordered. It is important to remember your PIN and to prevent others from obtaining it since any party who obtains your PIN and card can withdraw funds from any of your accounts. Knowingly disclosing your PIN to anyone voids your right to dispute any withdrawals or charges. 9. VERIFICATION. All deposits made at any authorized ATM will be credited provisionally, subject to verification by you and collection of the funds. Funds deposited by check are subject to hold periods in accordance with Credit Union policies not to exceed the maximum periods prescribed by applicable law. This may affect your ability to withdraw funds. See our Funds Availability Policy in this Agreement for more information. 10. ACKNOWLEDGEMENTS. You will receive an acknowledgement (receipt) for each transaction which is made at an authorized ATM or POS terminal. Other electronic transactions including PHONE-24 or First U.S. Online will not provide a receipt other than your periodic statement. ACH transactions are governed by the laws of the state of New York as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account. In accordance with these rules, First U.S. Community Credit Union will not provide you with next day notice of receipt of ACH credit transfers to your account. You will continue to receive notices of receipt of ACH items in the periodic account statements which we provide. You can verify these transactions via PHONE-24, First U.S. Online, or by calling us. 11. PERIODIC STATEMENTS. At least quarterly, you will receive a statement for each account which may be accessed by an electronic fund transfer. If you are currently receiving statements of account more frequently than quarterly because you have a checking account, they will continue at the same frequency unless the checking account is closed. You will get a statement of account for any month in which you use an authorized ATM or make use of any automatic telephone service or for any of the following transactions: All-in-One Disclosure PAGE 8 OF 11 REVISED: 5/1/15

9 a. A deposit b. A withdrawal c. A transfer d. A line of credit advance 12. WIRE TRANSFERS. If you send or receive a wire transfer, Fedwire may be used. Regulation J is the law covering all Fedwire transactions. Your notice of receipt of funds transfers will be contained in your regular periodic statement. Any interest that the Credit Union may be obligated to pay under Regulation 4A/Section 11 will be the dividend rate on the account from which or into which the transfer was to have been made rather than the Fed Funds rate. 13. PRE-AUTHORIZED DEBITS. You may authorize a third party to automatically debit your savings or checking account on a recurring basis to pay for goods and services, or to make your loan payments. You may authorize automatic debits from as many third parties as you wish from your checking account. Withdrawals from your savings or Money Market account are limited to six per month. Upon notification from a merchant (by oral, written or posted notice), you or any joint owner may authorize a merchant to convert your check to a one-time electronic fund transfer from your account. You or any joint owner may also authorize a merchant to debit your account for returned check fees. First U.S. reserves the right to refuse any pre-authorized debit which would draw upon insufficient funds, exceed a credit limit, or result in more than 6 transfers per month from a savings account. When you authorize a third party to automatically debit your account for amounts that vary, the third party will notify you of the amount and transaction date 10 days before the debit occurs, unless you have arranged to be notified only when the amount exceeds a specified limit. 14. STOP PAYMENT (FOR PRE-AUTHORIZED DEBITS). If you have told us in advance to make regular EFT payments out of your account, you can stop any of these payments. Call or write us at the telephone number or address listed in this document, in time for us to receive your request at least three (3) business days or more before the payment is scheduled to be made. If you call, you will be required to place your request in writing and mail it to us within fourteen (14) days after your call. You will be charged a stop payment fee per our Pricing Schedule. A stop payment on an Electronic Funds Transfer is valid only for the next ACH debit. It does not constitute a revocation of the agreement you entered into with the originating entity. To revoke the original authorization, you must notify the originating entity to terminate the agreement prior to contacting the Credit Union, and then the Credit Union can assist you in revoking further deductions. Follow time requirements as specified above. 15. CREDIT UNION LIABILITY FOR ELECTRONIC TRANSFERS. If the Credit Union does not properly complete a transaction on time or in the correct amount according to our agreement, the Credit Union will be liable for the member s losses or damages. However, there are some exceptions. The Credit Union will not be liable if: a. Through no fault of the Credit Union, your accounts do not contain enough cash (or sufficient funds) to make the transaction. b. The ATM where you make the transaction does not have enough money to complete the transaction. c. The Electronic Transfer System was not working properly (and you knew about the break down when you started the transaction). d. The money in your account is subject to legal process or other claim. e. Circumstances beyond the Credit Union s control, such as fire, flood, electrical failure or malfunction of central data processing facilities prevent the completion of the transaction. f. If the transaction would exceed your Line of Credit Account limit (Anytimer, VISA, HELOC) or any payment of an overdraft by the Credit Union. g. If your ATM/DEBIT card or PIN has been reported lost or stolen and the Credit Union blocked the account. h. If your ATM/DEBIT card has expired, is damaged so that the machine cannot read the encoding strip, is inactive due to nonuse or because your PIN has been repeatedly entered incorrectly. i. If your ATM/DEBIT card is retrieved or retained by the ATM. j. If you give First U.S. Community Credit Union a payment order which identifies the beneficiary (recipient of the funds) by both name and identifying account number, payment may be made by the beneficiary s bank on the basis of the identifying or bank account number, even if the number identifies a person different than the named beneficiary. k. If you give First U.S. Community Credit Union a payment order which identifies an intermediary or beneficiary s bank by both name and identifying number, a receiving bank may rely on the number as the proper identification even if it identifies a different person than the named bank. l. First U.S. Community Credit Union may give you credit for automated clearinghouse (ACH) payments before it receives final settlement of the funds transfer. Any such credit is provisional until the Credit Union receives final settlement of the payment. You are hereby notified and agree, if the Credit Union does not receive such final settlement, that it is entitled to a refund from you of the amount credited to you in connection with that ACH entry. m. You do not follow proper procedures. n. Other exceptions as established by the Credit Union from time to time. o. You attempt to electronically transfer more than 6 times per month from a share account. p. Your loan(s) at First U.S. is (are) delinquent. q. You have not provided the bill payment service with the correct names or account information to those persons or entities for whom you wish to direct payment. r. The intended recipient of the payment mishandles or delays a payment sent by the bill payment service. 16. PHONE-24 AUTOMATED TELEPHONE SERVICE/ FIRST U.S. ONLINE. a. ACCOUNT ACCESS. You may use PHONE-24/ FIRST U.S. ONLINE to: 1. Make withdrawals from your share draft and share accounts (except IRA and certificate accounts). A check will be mailed from the Credit Union on the following business day to the address currently on file for you. 2. Transfer funds from your share draft and share accounts or transfer to loan accounts bearing the same base member number or preauthorized funds transfers to other account numbers that you specify. 3. Obtain account balances, loan payment amounts and due date. 4. Obtain information about the last dividend paid to an account. 5. Obtain information about the most recent payroll deductions posted to your account. 6. Obtain tax information including total interest paid and dividends earned from the previous year for each tax identification number. 7. Obtain information on drafts/checks cleared within the past month. When you do the above transactions, you are subject to all the terms of the contracts for those accounts. b. JOINT OWNER USAGE. You may authorize the joint owners of your account(s) to utilize PHONE-24/ First U.S. Online Banking by disclosing to them your PIN. Keep in mind, before doing so, that your PIN grants access to loan suffix subaccounts of your primary account number, and you agree that you are responsible for all transactions initiated by your PIN. 17. PHONE-24/FIRST U.S. ONLINE PIN. You will receive a temporary PIN which you must use each time you request services through PHONE-24, or First U.S. Online Banking. To protect the privacy of your account, you will have the only record of the PIN. You can change your own PIN and should do so immediately after being set up. All-in-One Disclosure PAGE 9 OF 11 REVISED: 5/1/15

10 18. ATM/DEBIT CARD TRANSFER TYPES AND LIMITATIONS. Account access. You may use your ATM/DEBIT card to: a. Withdraw cash from your applicable share accounts. b. Make deposits to your applicable share accounts. c. Transfer funds between your applicable share accounts. d. Pay for purchases at places that have agreed to accept the ATM/Debit Card. e. Pay bills directly from your draft account in the amounts and on the days you request (may not be available through all merchants). 19. LIMIT ON LIABILITY. You may recover only your actual damages if our failure to make a transfer: a. Is not intentional. b. Results from mistakes made in good faith. c. Should have been prevented by our usual practices. It is your responsibility to provide proof of the actual amount of loss. 20. SAFEGUARDING YOUR PIN. You agree to protect your PIN. Do not keep your PIN and your account number in the same place. Do not tell your PIN to anyone who is not allowed to access your account. We will not be responsible for losses which occur because you did not follow these instructions. 21. MEMBERS LIABILITY FOR LOSS, THEFT OR UNAUTHORIZED TRANSACTIONS. Tell us AT ONCE if you believe your PIN or ATM/DEBIT card has been lost or stolen or if someone has withdrawn money from your account without your permission. Telephoning is the best way of keeping your possible losses down. Call (916) or Toll Free (800) outside the 916 area code, and request the Electronic Funds Transfer Department, to firstus@firstus.org Attn: Electronic Funds Transfer Department, or write: First U.S. Community Credit Union, Electronic Funds Transfer Dept., 580 University Avenue, Sacramento, CA PIN INITIATED TRANSACTIONS. You could lose all the money in your accounts (plus funds available on your line of credit). If you tell us within two (2) business days, you can lose no more than $50 if someone initiates an electronic transfer without your permission. If you DO NOT tell us within (2) business days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your PIN without your permission if you had told us, you could 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 sixty (60) days time after the statement was mailed to you, you may not get back money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us on time. If a good reason, such as a long trip or hospital stay, kept you from telling us, we will extend the time period. DEBIT CARD (signed transactions). Your liability for unauthorized use of your ATM/DEBIT card will not exceed (A) $0 if the conditions below have been met, or (B) if those conditions have not been met, the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. Zero liability will apply if: - Your account is in good standing. - You have exercised reasonable care in safeguarding your card. - You have not reported two or more incidents of unauthorized use within the past 12 months. 22. WRONGFUL USE. If someone uses your PIN without your consent, you agree to give us a written sworn statement about it, file a police report, and help us in investigating the wrongful use. The statement will be on our form and completely filled in by you. We don t have to credit you for those losses before you give us that statement. 23. ACCOUNT INFORMATION DISCLOSURE TO THIRD PARTIES. We will disclose information to third parties about your accounts or the transfers you make: a. Where it is necessary for completing transfers. b. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant. c. In order to comply with a government agency or court order. d. If you give us your permission. e. If it involves a claim against your account. 24. PHONE-24. Available 24 hours a day. Note: Phone calls to First U.S. that require staff assistance for transactions and/or inquiries may be charged a fee if these transactions/inquiries were available via PHONE-24. Transactions that cannot be performed via PHONE-24 are exempt from fees. Long-distance calls and calls from prefixes not available for Touch-Tone are also exempt from fees. 25. ADDITIONAL SERVICES. We may offer other transaction service from time to time. If we do, all of those transactions that you make with your PIN will be subject to this agreement. 26. ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: a. Pay for purchases b. Pay for bills Note: When you provide a check as payment, you authorize us to use information from your check to make a one-time electronic fund transfer from your account. In certain circumstances, such as for technical or processing reasons, we may process your transaction as a check transaction. To Opt-Out of electronic check conversion you must contact each merchant directly. IN CASE OF ERRORS OR QUESTIONS ABOUT ELECTRONIC FUND TRANSFERS a. BUSINESS DAYS. Our business hours are Monday-Thursday, 9:00 a.m.- 5:30 p.m. and Friday, 9:00 a.m.- 6:00 p.m. Saturday 9:00 am 2:00 pm Phone Center, Watt Ave (Sacramento), Auburn, Gold River (beginning 4/1/15), Grass Valley and Rocklin Branches only. Holidays are not included. b. LOST OR STOLEN PIN. If you believe your PIN has been lost or stolen or that someone has transferred money from your account without your permission, call (916) , or write to us at: First U.S. Community Credit Union 580 University Avenue All-in-One Disclosure PAGE 10 OF 11 REVISED: 5/1/15

11 Sacramento, CA We will require a sworn statement from you in the case of a lost or stolen report. c. ENDING AUTHORIZED USE. If someone else is allowed to use your PIN and you want to end that person s use you must tell us in writing. Send your notice to: First U.S. Community Credit Union 580 University Avenue Sacramento, CA Send your notice as soon as you can if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we send the FIRST statement on which the problem or error appears. 1. Tell us your name and account number (if known). 2. 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. 3. Tell us the dollar amount of the suspected error. If you tell the Credit Union orally, we may require that you send and we receive your complaint or question in writing within ten (10) business days. The Credit Union will tell you the results of our investigation within 10 business days (20 business days for Point-of-Sale or international transactions) after we hear from you and will correct any error promptly. If the Credit Union needs more time, however, we may take up to 45 days (90 days for Point-of-Sale or international transactions) to investigate your complaint or question. If the Credit Union decides to do this, we will re-credit 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 the Credit Union to complete our investigation. If the Credit Union asks 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 the Credit Union determines 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 the Credit Union used in our investigation. You may be charged a fee for this document request. If we do not hear from you within 60 days after we mail the statement to you, the statement will be deemed correct.! All-in-One Disclosure PAGE 11 OF 11 REVISED: 5/1/15