ELECTRONIC FUNDS TRANSFER SERVICES DISCLOSURES

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1 ELECTRONIC FUNDS TRANSFER SERVICES DISCLOSURES The disclosures provided below apply only to electronic fund transfers to or from your Wings share, checking, savings, money market or other consumer asset accounts ( Accounts ) using one of the electronic funds transfer services described below, to the extent such transfers are subject to the Consumer Financial Protection Bureau's Regulation E ( Transfers ). This disclosure explains your basic rights, liabilities and responsibilities as a member of Wings Financial Credit Union who uses any of the electronic funds transfer services set forth below. For purposes of these disclosures, the term Transfer specifically excludes mobile deposits made to your Accounts using our mobile deposit service. These disclosures are in addition to any other agreements between you and us governing our electronic funds transfer services or your Account(s). If there is a conflict between these disclosures and your other agreements with us, these disclosures shall control with respect to your rights, liabilities and responsibilities for Transfers to or from your Accounts using one of our electronic funds transfer services. By using our electronic funds transfer services, you are acknowledging your receipt and agreement to these disclosures. For purposes of these disclosures, the term Security Information means your Wings ID#, Wings PIN, password and/or any other enhanced security information we may require to access our electronic funds transfer services. TYPES OF AVAILABLE ELECTRONIC FUNDS TRANSFERS; LIMITATIONS; CHARGES FOR CU ONLINE SECURE INTERNET ACCOUNT ACCESS CU Online may be used to initiate Transfers between your Accounts (including payment of loans) or your accounts at other financial institutions (External Transfer service described below), perform Account inquiries, pay bills (Bill Payer service described below), and receive advance credit for mail-in deposits (Remote Deposit service described below). (b) Limits on Dollar Amount and Frequency of Transfers There is no limit on the dollar amount or frequency of Transfers that may be made to or from your Account(s) using CU Online, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account FOR BILL PAYER (CU Online and Checking Account required) Bill Payer may be used to make one-time or recurring bill payments from your checking Account(s) through CU Online. There is a limit on any single Bill Payer payment of $25,000.00, or the available balance in your designated Account plus any available overdraft protection balance, whichever is less. There is no limit on the frequency of Transfers that may be made to or from your Account(s) using Bill Payer, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account (d) Fees for Bill Payer There is no fee for our standard Bill Payer service as long as you make a minimum of three bill payments each month; otherwise a fee of $5.95 will be assessed each month you are enrolled for the service. If you request an expedited Bill Payer payment, a service fee of $9.95 per payment will apply. FOR EXTERNAL TRANSFERS (CU Online and Checking or Savings Account required) Our External Transfer service may be accessed through CU Online and used to make automated clearing house (ACH) transfers between your checking or saving Account(s) at Wings and your checking or savings account(s) at W ( 4 / 1 2 )

2 other financial institutions. Our External Transfer service is subject to a limit of $10, per External Transfer or $25,000 in the aggregate per day from all your combined Accounts, provided that such transfers may not exceed the available balance in your designated Account plus any available overdraft protection balance. There is no limit on the frequency of Transfers that may be made to or from your Account(s) using our External Transfer service, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account FOR REMOTE DEPOSIT (CU Online and Checking Account required) Our Remote Deposit service may accessed through CU Online and be used to receive advance credit for checks to be mailed by you to Wings within 7 business days for deposit to your Wings checking Account(s). Information identifying the check will be entered into our system and all or a portion of the deposit may be credited to your Account for immediate use. Even though immediate credit may given, you are responsible for the amount of the check if it is not paid. Special deposit envelopes must be used to ensure proper handling. You may use the Remote Deposit service to receive advance credit for checks up to a pre-determined limit we disclose to you each time you use the service. There is no limit on the frequency of Transfers that may be made to your Account(s) using the Remote Deposit service. However, you may only receive credit for your checks up to the pre-determined limit we disclose to you each time you use of the service. (d) Fees for Remote Deposit Service There is currently no fee for using the Remote Deposit service. However, if your deposit is not received by us within 7 business days of the date that you entered the deposit, any amount previously credited to your Account for such deposit will be reversed and a $20 fee will be charged to your Account. FOR MOBILE BANKING (CU Online required) Mobile Banking may be used initiate Transfers between your Accounts (including payment of loans), perform Account inquiries, and pay bills (Bill Payer service required as described above). There is no limit on the dollar amount of Transfers that may be made to or from your Account(s) using Mobile Banking, provided that such Transfers do not exceed the available balance in your Account(s), plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account There is no limit on the frequency of Transfers that may be made to or from your Account(s) using Mobile Banking, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance, or other Account-specific limits previously disclosed to you in your Account FOR CU PAL WINGS PHONE ACCESS LINE CU PAL may be used to initiate Transfers between your Accounts (including payment of loans) and perform Account inquiries.

3 (b) Limits on Dollar Amount and Frequency of Transfers There is no limit on the dollar amount or frequency of Transfers that may be made to or from your Account(s) using CU PAL, provided that such Transfers do not exceed the available balance in your Account(s) plus any available overdraft protection balance or other Account-specific limits previously disclosed to you in your Account FEES FOR ELECTRONIC FUNDS TRANSFER SERVICES There is currently no fee for Transfers initiated to or from your Accounts using our electronic funds transfer services, with the exception of the fees described above for the Bill Payer and Remote Deposit services. SECURITY LIMITATIONS Notwithstanding the foregoing, for security reasons, we may further limit the amount or number of Transfers you can make on a daily or monthly basis, or in the aggregate, and we may limit the dollar amount of Transfers to or from your Account(s). BUSINESS DAYS Our business days are Monday through Friday. Holidays are not included. LIABILITY FOR UNAUTHORIZED TRANSFERS Notify us AT ONCE if you believe your Security Information has been lost or stolen, or if you believe that a Transfer has been made without your permission using your Security Information. Telephoning us is the best way to minimize your possible losses. You could lose all the money in your Account (plus your maximum overdraft line of credit, if any). If you notify us within two (2) business days of learning of the loss or theft of your Security Information, you can lose no more than $50 if someone used your Security Information without your permission. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your Security Information, and if we can prove we could have stopped someone from accessing your Account without permission had we been notified, you could lose as much as $500. Also, if your Account statement shows Transfers you did not make, including those made using your Security Information, notify us AT ONCE. If you do not notify us of the items in question within 60 days after we send the FIRST statement in which the problem or error appeared, you may not get back any money you lost after 60 days if we can prove we could have stopped someone from taking the money had you notified us in time. If a good reason (such a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period. If you have elected to receive estatements in lieu of paper statements, your estatements will be dated on or about the day the estatement availability notification is sent to you by , and any applicable time periods within which you must notify us of any unauthorized Transfers on your Account statements shall begin on the date of the estatement regardless of when you retrieve your estatement through CU Online. If you believe your Security Information has been lost or stolen or that someone may have performed a Transfer on your Account without your permission, call Support Services at , option 5 or write to Wings Financial Credit Union, Attn: Support Services, Glazier Avenue, Suite 100, Apple Valley, MN LIABILITY FOR FAILURE TO COMPLETE AUTOMATIC 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, except in certain situations. Exceptions would include: - If, through no fault of ours, your Account has insufficient funds. - If the Transfer would exceed your established overdraft line-of-credit limit. - If our system or your network was not working properly and that fact was evident when you initiated the Transfer. - If the Transfer is restricted or prohibited by law. - If circumstances beyond our control such as flood, fire, power outage, etc., prevent the Transfer, despite reasonable precautions we have taken. - There may be other exceptions stated in our Account agreement with you.

4 RIGHT TO RECEIVE DOCUMENTATION OF TRANSACTION You will receive a periodic statement from us monthly if you have Transfer activity on your Account during the preceding month. You will receive a periodic statement from us quarterly on all other savings Accounts. PREAUTHORIZED TRANSFERS AND STOP PAYMENTS Right to Stop Payment and Procedures for Doing So If you have told us in advance to make recurring payments out of your Account, you can stop any of these payments. Here is how: Call Support Services at , option 5 or write to Wings Financial Credit Union, Attn: Support Services, Glazier Avenue, Suite 100, Apple Valley, MN , in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may require you to put your request in writing and get it to us within 14 days after you call. We will charge you $25 for each stop payment order you give. Notice of Varying Amounts If you have authorized a person to debit recurring payments from your Account and these recurring payments may 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. 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 preauthorized transfer If you order us to stop one of a recurring payment 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Bill Payer Payments Your ability to stop payments initiated using our Bill Payer service is also subject to the terms and conditions of our Bill Payer service. DISCLOSURE OF INFORMATION ABOUT YOUR ACCOUNT TRANSFERS Information about your Account is considered by Wings to be confidential. We will not disclose any information about your Account to third parties except: 1. When it is necessary for completing Transfers. 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. 4. If you give us your written permission. 5. As otherwise disclosed in the privacy policy you were provided in connection with your Account(s). IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSFERS Telephone Support Services at option 5, or write us at Wings Financial, Glazier Ave., Suite 100, Apple Valley, MN 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 60 days after we sent the FIRST statement on which the problem or error appeared. 1. Tell us 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 it is an error or why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or questions in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Account within 10 business days for the amount you think is in error so you will have use of the money during the time it takes to complete our investigation.

5 If we ask you to submit your complaint or question in writing, and we do not receive it within 10 business days, we may not credit your Account. For errors involving new Accounts, point-of-sale or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Accounts, we may take up to 20 days to credit your Account for the amount you think is in error. We will tell you the results within three days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents used in our investigation. If you have elected to receive estatements in lieu of paper statements, your estatements will be dated the day the estatement availability notification is sent to you by , and any applicable time periods within which you must notify us of any errors on your Account statements shall begin on the date of the estatement regardless of when you retrieve your estatement through CU Online. MODIFICATION OF THESE DISCLOSURES We may change any these disclosures at any time except as required by law. If the change would result in increased fees for any electronic funds transfer service, increased liability for you, fewer types of available electronic funds transfers, or stricter limitations on the frequency or dollar amount of electronic funds transfers, we agree to give you advance notice as required by law, unless an immediate change is necessary to maintain the security of your Account(s) or our electronic funds transfer system. We will post any required notice of the change in these disclosures on the CU Online website or forward it to you by or by postal mail. Your continued use of any or all of the subject electronic funds transfer services indicates your acceptance of the change in terms.

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