TERMS AND CONDITIONS

Transcription

1 ERMS AND CONDIIONS mygcu.rg

2 Wlcm GECU. his brchur will cquin yu wih h rms nd cndiins nd, in sm css, h lws which pply yur ccun(s), nd i is ur innin summriz h rms, cndiins nd lws s hy will pply yur ccun(s). hrughu his rms nd Cndiins, unlss hrwis spcifid, h wrds w, us nd Crdi Unin mn GECU. h wrds yu, yur, pry nd wnr mn ny nd ll prsns r niis xcuing signur crd r ccun grmn in cnncin wih ny ccun wih h Crdi Unin, ny pplicn fr mmbrship, ny jin wnr f n ccun, nd ny hr prsn r niy uhrizd us r hving ccss ny such ccun. A W H O E S Crdi Unin ccuns r subjc pplicbl fdrl rgulins, ll ruls nd rgulins f h Crdi Unin Dprmn f h S f xs nd h bylws f his Crdi Unin s my nw r hrfr pply mmbr ccuns in h Crdi Unin. h Crdi Unin hs h righ dd, chng r dl hs rms nd cndiins ny im, subjc such nificin s my b rquird by pplicbl lw. By rciving cpy f his nd rld brchurs nd by signing ny signur crd r ccun grmn(s) h Crdi Unin, yu r cring cnrc bwn h Crdi Unin nd yurslf nd gr ll h rms nd cndiins lisd in h ccun grmn(s) nd hs brchurs nd ny mndmns r ddndum which w my mk hs grmns nd brchurs. G C R A P C & C R 1

3 , ABLE OF CONENS ACCOUN OPIONS...4 Singl Pry Accun...4 Jin Accun Wih Righ Of Survivrship...4 russ...4 Cnvninc Accun...5 Pybl n Dh (P.O.D.) Accun Agrmn...6 Crific f Dpsi rms nd Cndiins...6 WIRE RANSFERS / AUOMAED CLEARING HOUSE (ACH) AND OHER PAYMEN ORDER RANSACIONS...7 ELECRONIC FUND RANSFER SERVICES INIIAL DISCLOSURE...9 yps f Avilbl rnsfrs...9 rnsfr Limiins...9 Mmbr s Libiliy...10 Cnc in Evn f Unuhrizd rnsfr...11 Crdi Unin s Libiliy...11 Dcumnin...12 rminl rnsfrs...12 Pruhrizd Crdis...12 Pridic Smns...12 Pruhrizd Pymns...12 Righ Sp Pymn nd Prcdur fr Ding S...12 Nic f Vrying Amuns...13 Libiliy fr Filur Sp Pymn f Pruhrizd rnsfr...13 Yur GECU Dbi Crd rnscins...13 Yur AM Crd rnscins - GECU AM / Dbi Crd...13 Fs...13 Cnfidniliy...14 In Cs f Errrs r Qusins Abu Yur Elcrnic rnsfrs...14 GECU Dbi & GECU AM CARD AGREEMEN...15 Rgulin E - Pymn f vrdrfs fr AM nd vrydy dbi crd rnscins...18 AM SAFEY PRECAUIONS...21 PLEDGES/ASSIGNMENS OF CHECKING, SHARE ACCOUNS & CERIFICAES OF DEPOSI...21 CONRACUAL LIEN AND RIGH OF SEOFF

4 RANSFER WIHOU ENDORSEMEN...22 INACIVE, DORMAN OR ABANDONED ACCOUNS...22 CHECKING ACCOUN...22 Nn-Sufficin Funds...24 Ovrdrf nd Ovrdrf Prcin...24 Discrinry Ovrdrf Privilg...25 Rgulin E - Pymn f vrdrfs fr AM nd vrydy dbi crd rnscins...26 Chckbk Missing...26 Sp Pymn...27 Rrdring Chcks...27 Chcking Accun Smn...27 RESEARCH, LEGAL PROCESS AND ADVERSE CLAIMS...28 DOCUMEN IMAGING...29 POWER OF AORNEY...29 FACSIMILE RANSMISSION...29 RESRICIONS OR ERMINAION OF CREDI UNION SERVICES...29 IMPORAN INFORMAION ABOU OPENING NEW ACCOUNS...30 CREDI AND EMPLOYMEN HISORY...30 GOVERNING LAW...30 FUNDS AVAILABILIY POLICIES...30 Lngr Dlys My Apply...31 Spcil Ruls fr Nw Accuns...32 Frign Chcks...32 Endrsmn Sndrds...32 UNLAWFUL INERNE GAMBLING NOICE...32 CHECK COMPLAIN NOICE...34 MEMBER SERVICES FEE SCHEDULE A p n n S YU J p i y s p f j m b b g N y f P j n

5 ACCOUN OPIONS h Crdi Unin prvids vriy f ccun pins fi yur prsnl nds. h mnnr in which n ccun is s up ds n ncssrily sblish wnrship bu srvs minly xpnd r limi h numbr f prsns wh hv ccss h funds n dpsi nd hv h righ f wihdrwl frm such ccuns. Shr ccuns mus ll ims b minind wih minimum blnc f $ Yur ccun pins includ h fllwing: Singl-Pry Accun: his ccun will b crrid in yur nm nly. Yu r h nly prsn uhrizd rnsc businss n h ccun. Undr his yp f ccun wnrship, h sl pry h ccun wns h ccun. If yu pn singl-pry ccun, upn yur dh, wnrship psss s pr f yur Es undr yur Will r by Inscy. Jin Accun Wih Righ f Survivrship: If n ccun is pnd by w r mr pris, r if n r mr pris r ddd singl-pry ccun, h ccun will b jin r mulipl pry ccun wih righ f survivrship. h pris h ccun wn h ccun in prprin h pry s n cnribuins h ccun. h Crdi Unin my py ny sum in h ccun pry ny im. All funds dpsid in h ccun, including ny rnings hrn, shll b wnd by yu jinly, wih ll hrs wh sign h pplicin, wih righ f survivrship. On h dh f n pry jin ccun, ll sums in h ccun n h d f h dh vs in nd blng h surviving pry r pris s his r hr spr prpry nd s. Pymn ny wnr shll b vlid nd dischrg h Crdi Unin frm ny nd ll libiliy fr such pymns. h Crdi Unin my ccp insrucins frm ny jin wnr r c h rqus f ny jin wnr wih rgrd ny such ccun wihu h jindr f ny hr wnr, nd ch jin wnr uhrizs h hr c n his r hr bhlf wih rspc h ccun. Any jin wnr my pldg ll f h funds in h ccun scur ny indbdnss wing h Crdi Unin r, subjc such plicis nd prcdurs s w my dp frm im im, my dsign h ccun prvid vrdrf prcin fr ny hr ccun, wihu h jindr f ny hr jin wnr nd wihu rgrd his r hr inrs in h ccun. In h vn h ny ccun my b ccssd by mns f n lcrnic fund rnsfr srvic, including by wy f n AM crd r ny hr crd issud in cnncin wih h ccun, r ny lphn r cmpur ccss prgrm, ch jin wnr grns vry hr jin wnr cul uhriy inii ny such rnsfr, us ny such crd issud, r us ny Prsnl Idnificin Numbr issud in cnncin wih ny such lphn r cmpur ccss prgrm. h Crdi Unin mks n rprsnin cncrning h ffcivnss f hs survivrship righs, nd yu undrsnd h yu shuld cnsul wih yur rny if yu hv ny qusin rgrding h vlidiy, ffcivnss, r finss f such survivrship dsignin fr ny purps. Pursun f h xs Crdi Unin Ac, mmbr pning Crdi Unin ccun my, wihu nic ny hr wnr f such ccun, nd upn wrin nic h Crdi Unin in such frm s h Crdi Unin my rquir, rmv ny jin wnr frm ny such ccun, chng h frm f h ccun, r sp r vry pymn undr h rms f h ccun. Any such cin by h mmbr will rmin ny inrs h h rmvd jin wnr my hv in such ccun. h bv nwihsnding, h Crdi Unin, is pin, my rquir h n ccun b clsd nd nw ccun pnd in liu f prmiing mmbr rmv jin wnr, r h Crdi Unin my rquir h jindr nd cnsn f ny jin wnr prir cing upn ny wrin nificin r insrucin rmv h jin wnr frm n ccun. russ: An irrvcbl rus ccun my b sblishd if slr, rus r bnficiry is Crdi Unin mmbr. A rvcbl rus my b 4

6 sblishd if slr is Crdi Unin mmbr, r if rus r bnficiry is mmbr nd slr is mmbr f rus's r bnficiry's fmily s dfind in h Crdi Unin bylws. h Crdi Unin my dclin pn n ccun fr rus, whhr rvcbl r irrvcbl, ny im in is discrin. h Crdi Unin rsrvs h righ rquir such dcumns, rdrs, lrs, crifics, r hr wriing prining ny rus s cndiin pning n ccun in h nm f h rus r minining ny such ccun. h xn f h pymn, h pymn f ll r pr f ny ccun blnc rus r hr prsn uhrizd rqus prsn pymn dischrgs h Crdi Unin frm libiliy ny slr, rus r bnficiry. h Crdi Unin ds n hv n bligin inquir in h rsn r inndd us f h funds h r wihdrwn. Cnvninc Accun: If n ccun is sblishd by n r mr pris in h nms f h pris s cnvninc ccun, ll sums n dpsi in h ccun my b pid r dlivrd h pris sblishing h ccun r ny hr ccun signr (hrinfr rfrrd s cnvninc signr ) fr h cnvninc f h pris pning h ccun. h mking f dpsi in cnvninc ccun ds n ffc il h dpsi. A pry sblishing cnvninc ccun is n cnsidrd hv md gif f h dpsi r f ny ddiins r ccruls h dpsi cnvninc signr. If cnvninc ccun is sblishd by mr hn n pry, h pris shll wn h ccun wih righ f survivrship. Upn h dh f pry, h pry s wnrship f h ccun psss h surviving pris s hir spr prpry nd s. On h dh f h ls surviving pry, cnvninc signr shll hv n righ f survivrship in h ccun nd wnrship f h ccun rmins in h s f h ls surviving pry, subjc ny pybl n dh dsignin. If n ddiin is md h ccun by nyn hr hn pry sblishing n ccun, h ddiins nd ccruls h ddiin r cnsidrd hv bn md by pry. All dpsis cnvninc ccun nd ddiins nd ccruls h dpsis my b pid pry sblishing h ccun r cnvninc signr. h Crdi Unin is cmplly rlsd frm libiliy fr pymn md frm h ccun cnvninc signr bfr h Crdi Unin rcivs nic in wriing signd by pry n mk h pymn in ccrdnc wih h rms f h ccun. Afr rcip f nic frm pry, h Crdi Unin my rquir pry pprv ny furhr pymns frm h ccun. If h Crdi Unin mks pymn f sums n dpsi in cnvninc ccun cnvninc signr fr h dh f h ls surviving pry sblishing h ccun nd bfr h Crdi Unin hs rcivd wrin nic f h ls surviving pry s dh, h Crdi Unin is cmplly rlsd frm libiliy fr h pymn. If h Crdi Unin mks pymn h prsnl rprsniv f h dcsd ls surviving pry s s fr h dh f h ls surviving pry nd bfr srvic n h Crdi Unin f cur rdr prhibiing pymn, h Crdi Unin is rlsd h xn f h pymn frm libiliy ny prsn climing righ h funds. h rcip by h rprsniv whm pymn is md is cmpl rls nd dischrg h Crdi Unin. h pris wh sblish h ccun r h nly pris wih uhriy cls h ccun. NOE: YOU HAVE HE ADDIIONAL OPION OF DESIGNAING A PAYABLE ON DEAH (P.O.D.) BENEFICIARY(IES) O ANY OF HE ABOVE-MENIONED ACCOUN YPES WIHOU GIVING HEM ACCESS O HE FUNDS ON DEPOSI DURING HE LIFEIME OF HE PARIES O HE ACCOUN. UPON HE DEAH OF HE LAS SURVIVING PARY, HE FUNDS PASS O SUCH BENEFICIARY(IES) WIHOU COUR ORDER. HE CREDI UNION MAKES NO REPRESENAION CONCERNING HE EFFECIVENESS OF ANY PAYABLE ON DEAH 5 D CQ O P P g p p c b P d sh c c y w h su b n h n b yin b in d A N O F C. b c. d.

7 .... DESIGNAION, AND YOU UNDERSAND HA YOU CONSUL WIH YOUR AORNEY IF YOU HAVE ANY QUESION(S) REGARDING HE VALIDIY, EFFECIVENESS, OR FINESS OF ANY SUCH P.O.D. DESIGNAION FOR ANY PURPOSE. Pybl n Dh (P.O.D.) Accun Agrmn: A P.O.D. ccun grmn sblishs n ccun pybl n rqus n r mr prsns during hir lifim nd upn h dh f h ls f hs prsns, pybl n r mr P.O.D. bnficiris nmd in h ccun grmn. Yu gr h h prsns nmd s P.O.D. bnficiris in h grmn, whhr n r mr, r dsignd s P.O.D. bnficiris. During yur lifim, ll funds pid in r dpsid in h ccun dsignd, including ny rnings hrn, shll b wnd by yu, nd pymn my b md upn yur rqus, r h rqus f ny jin wnr. If h ccun is cnvninc ccun, h prvisins s frh bv wih rgrd cnvninc ccuns shll cnrl. If hr is mr hn n wnr, hn during yur lifims, h prvisins s frh bv wih rgrd jin ccuns wih righ f survivrship shll cnrl. Upn yur dh (h dh f h ls f yu surviv in h cs f jin ccun wih righ f survivrship), h wnrship f h ccun psss h P.O.D. bnficiris. A ur pin, pymn my b md h rqus f ny nmd P.O.D. bnficiry hn living, nd ny pymn md upn h rqus f ny surviving P.O.D. bnficiry dischrgs us frm ny nd ll libiliy h P.O.D. bnficiry nd ny rmining P.O.D. bnficiris r hir hirs, xcurs nd prsnl rprsnivs. Yu, yur hirs, xcurs nd prsnl rprsnivs, gr dfnd, indmnify nd hld h Crdi Unin hrmlss frm ny clim ssrd by ny prsn r s s rsul f h pymn f funds dpsid in h ccun dsignd. Yu undrsnd nd gr h P.O.D. dsignin shll b inffciv wih rspc ny Individul Rirmn Accun. NOE: GECU DOES NO OFFER ANY FORM OF ACCOUN ON WHICH WO OR MORE SIGNAURES ARE REQUIRED FOR RANSACIONS. CERIFICAE OF DEPOSI ERMS AND CONDIIONS h fllwing pply Crific f Dpsi Accuns (Crific):. Smns will b issud nnully n h ls dy f h yr. b. Grc prid is fiv-clndr-dys fr muriy during which yu my mk chngs wihu pnly. If h Crific is clsd during h grc prid, ccrud inrs will n b pid. c. h inrs r n ny rnwl f h Crific will b h r in ffc n h d f rnwl s drmind by h Crdi Unin. d. Inrs my b wihdrwn r ddd h principl ch im i is crdid. Inrs, which is ddd h principl f h Crific, is cnsidrd principl fr wihdrwl purpss nc h Crific hs murd nd h fiv-clndr-dy grc prid hs xpird.. Inrs is cmpud n h cul mun in h ccun nd is crdid n: Opin A: h nnul nnivrsry nd muriy ds f h Crific r Opin B: h mnhly nnivrsry nd muriy ds f h Crific (vilbl ONLY n Crifics wih rm f 12 mnhs r mr). 6

8 f. If Crific principl is wihdrwn bfr ny muriy d subsnil pnly is impsd. h fllwing bl ulins h Crific rly wihdrwl pnlis: Crific Accun rm Erly Wihdrwl Pnly 3 nd 6 mnhs 30 dys f inrs, rnd r n 12 mnhs 90 dys f inrs, rnd r n 18 nd 24 mnhs 150 dys f inrs, rnd r n 30, 36 nd 48 mnhs 240 dys f inrs, rnd r n 60 mnhs 300 dys f inrs, rnd r n Inrs pid nd wihdrwn during h rm f h Crific, bu prir muriy, will n b subjc pnly. cmply wih hs prvisins, h principl blnc will b rducd by h mun f h pnly plus h mun wihdrwn frm h ccun. Inrs will cninu ccru n ny blnc lf n dpsi in h ccun. If ny mun wihdrwn rducs h blnc blw h minimum rquird fr h Crific,h pplicbl pnly will b ssssd nd h Crific will b cnclld. W d n chrg pnly whn h il f Crific is chngd ccmmd rus rrngmn. g. In h vn f dh f ny nmd pry (hr hn P.O.D. py) ll r ny pr f h principl nd inrs du d f wihdrwl my b wihdrwn wihu pnly, prvidd h ny such wihdrwl is md bfr h nx muriy d f h Crific. h. Nic f Muriy/Rnwl: A ls fifn (15) dys prir muriy, nic will b dlivrd infrming h nmd pris f h rms undr which h Crific my b rnwd. On r prir rnwl d r wihin h grc prid fr ny Crific, ny nmd pry my chng h nx rnwl rm f h Crific ny hr rm hn ffrd by h Crdi Unin subjc h minimum blnc rquirmn f h rm rqusd. h Crific will umiclly b rnwd fr h sm rm s h ls rm slcd by ny nmd pry unlss h Crdi Unin is nifid. i. Addiins principl my nly b md n h rnwl d r during h grc prid wih xcpin h 12 mnh $100,000 Jumb Crific ccuns. j. GECU ffrs 12-mnh Crific ccun h llws ddiinl dpsis. k. SmrSp/Sp-Up: his Crific is fr fixd rm (drmind ccun pning) nd cnins n pin incrs h inrs r n h Crific. h us f n pin during h rm f h Crific ngs h righ f ny hr pry xrcis h pin during h sm rm.* h r vilbl will b h currn r in ffc fr h sm yp Crific n h dy h rqus is md. Inrs will bgin ccru h nw r n h dy fllwing h rqus nd his nw r will b in ffc unil h muriy f h Crific. h pry mking h rqus will b rquird mk his rqus in wriing. * N: Spcil SmrSp/Sp-Up prmins my b ffrd h discrin f GECU. Disclsurs rgrding spcil Crific prmins will ppr n ccun dcumnin h im h Crific is pnd. WIRE RANSFERS, AUOMAED CLEARING HOUSE (ACH) AND OHER PAYMEN ORDER RANSACIONS. Gvrning Rgulins. If yu snd r rciv wir rnsfr, Fdwir my b usd. Fdrl Rsrv Brd Rgulin J is h lw which cvrs rnscins md vr Fdwir. If yu r pry n Aumd Clring Hus (ACH) nry, yu cknwldg nd gr h ny such nry will b gvrnd by h Ninl Aumd Clring Hus Assciin (NACHA) Opring Ruls, h Ruls b c d f. g h i. 7

9 f ny lcl ACH, nd h Ruls f ny hr sysm hrugh which h nry ws md. Finncil insiuins r rquird idnify nd scrn ll rnscins h r fundd inrninlly (Inrninl ACH rnscins (IA)) r bing sn hr cunris vi h ACH Nwrk. Ohr pymn rdrs yu mk my b gvrnd by Aricl 4A f h xs Businss nd Cmmrc Cd. b. Nificin. W r n rquird giv immdi nic f h rcip f wir rnsfr r n ACH nry nd w will n d s. Rcivrs f ACH rnscins shuld b wr h h Crdi Unin my, frm im im, nd mprrily suspnd prcssing f rnscin fr grr scruiny r vrificin in ccrdnc wih h lws nd rgulins f h Offic f Frign Asss Cnrl. his cin my ffc slmn r vilbiliy f h rnscin. Hwvr, w will nify yu f ny rnscins in yur ccun smn. c. Prvisinl nd Finl Pymn. If w crdi yur ccun fr n ACH nry r wir rnsfr, h crdi is prvisinl unil w rciv finl slmn fr h im. If w d n rciv finl slmn, r if w crdi yur ccun by misk, w r nild rfund f h mun crdid nd yu gr h, ur pin, w my rvrs h crdi r rquir h yu rimburs us by wy f dirc pymn. d. Idnifying Accun Numbrs. Yu gr h w cn rly upn ny idnifying r ccun numbr givn us in cnncin wih ny ACH r wir rnsfr, vn if h numbr idnifis prsn diffrn hn h nmd bnficiry, r finncil insiuin diffrn frm h nmd finncil insiuin. Yu gr h nihr w nr ny hr insiuin invlvd in h rnscin hv duy drmin whhr h numbr givn mchs h inndd bnficiry r h nmd finncil insiuin.. Inrs Pybl. Any r f inrs h w migh b bligd py yu s mr f lw fr dly r incrrc rnsfr rising u f ur rrr will b h lwr f h fdrl funds r h im f h crrcin, r h dividnd r which w py n h ccun, r frm which h funds rnsfr shuld hv ccurrd. f. Scuriy Prcdurs. Yu gr h w my vrify h uhniciy f pymn rdrs using ur scuriy prcdurs in plc h im f ny such rdr which includ signur vrificin, cll bck prcdurs, h us f idnifying wrds r numbrs nd idnificin vi mply ID bdg, vlid drivr s licns, r hr ph idnificin dcumn. g. Cuff ims. rnsfrs rcivd fr 12:00 nn n ch wkdy w r pn h is n hlidy my b rd s hving bn rcivd n h nx businss dy nd prcssd ccrdingly. If yu rqus h w snd wir rnsfr, h wir rnsfr my n b prcssd unil h nx businss dy fllwing h businss dy f yur rqus. h. Sp Pymn f Pin-f-Purchs Dbi Enris. Yu cknwldg nd gr h in ccrdnc wih h NACHA Ruls, sp pymn mus b plcd ls hr businss dys prir h schduld d f nry in rdr fr i b ffciv. A sp pymn rdr mus s h prcis mun, d, mrchn numbr, riginr nm nd ny hr infrmin h w my rsnbly rquir. If h infrmin is n prvidd, w will n b rspnsibl if w r unbl sp pymn. i. Gnrl. Yu gr h nly ur frms, mhds, nd prcdurs my b uilizd. Yu ls gr h in h vn f n rrr, w my crrc ny such rrr wihu prir pprvl by yu. Any uhrizin yu mk inii pprlss dbi r crdi nris subsnilly 8

10 rgulr inrvls will rmin in ffc unil w rciv wrin nic frm yu h yur uhrizin hs bn rvkd, in mnnr nd in im prvid us wih rsnbl ppruniy c n i. ELECRONIC FUND RANSFER SERVICES INIIAL DISCLOSURE Elcrnic fund rnsfr srvics r rguld by Rgulin E in cmplinc wih h Elcrnic Fund rnsfr Ac. If yu py fr smhing wih chck r shr drf yu my uhriz yur chck r shr drf b cnvrd n lcrnic fund rnsfr. Yu my ls uhriz mrchns lcrniclly dbi yur ccun fr rurnd chck fs. h fllwing r h rms nd cndiins undr which h Crdi Unin ffrs hs srvics. yps f Avilbl rnsfrs: h fllwing yps f lcrnic fund rnsfr srvics r vilbl h Crdi Unin: 1. dirc dpsi f funds yur chcking, shr r IRA ccuns; 2. pruhrizd umic wihdrwls frm yur chcking r shr ccuns n rcurring bsis (including pymns yur GECU Crdi Crd ccuns); 3. wihdrwls frm yur chcking ccun hrugh h us f yur GECU AM nd GECU Dbi Crd, including rnscins iniid Pin-f-Sl (POS) rminls fr h purchs f gds r srvics r h rcip f funds; 4. wihdrwls frm yur shr ccun hrugh h us f yur GECU AM nd GECU Dbi Crd; 5. rnsfrs f funds frm yur chcking nd shr ccuns iniid by lphn hrugh h us f ur udi rspns sysm, GECU SmrLin; 6. rnsfrs f funds n AM bwn h chcking nd shr ccuns sscid wih h GECU AM nd GECU Dbi Crd; 7. rnsfrs f funds frm yur chcking nd shr ccuns iniid vi h Inrn hrugh us f ur wbsi, GECU Onlin Bnking r GECU Mbil; 8. chcks cnvrd by mrchn n lcrnic chck. If yu py fr smhing by chck nd h mrchn r hr py prmis, yu my uhriz h mrchn r py mk n-im lcrnic pymn frm yur chcking ccun using infrmin frm yur chck py fr purchss r py bills. Yu my ls uhriz mrchn lcrniclly dbi yur chcking ccun fr rurnd chck fs. Yu r dmd hv uhrizd hs rnsfrs if yu sign n uhrizin r if yu ngg in h rnscin fr rciving nic h h rnsfr will b rd s n lcrnic fund rnsfr; 9. pruhrizd umic wihdrwls frm yur chcking r shr ccuns n rcurring bsis hrugh us f GECU s Bill Py srvic; 10. dpsi f funds prpriry AMs yur pr-slcd chcking nd shr ccuns wih h us f yur AM nd GECU Dbi Crd; nd 11. chck dpsis yur chcking nd shr ccuns vi Mbil Dpsi. Rfr h Funds Avilbiliy Plicis scin in his brchur fr ddiinl infrmin n his subjc. RANSFER LIMIAIONS NOE: MONEY MARKE ACCOUNS ARE CONSIDERED SHARE ACCOUNS IN HE FOLLOWING DISCLOSURES. FEDERAL RESERVE BOARD REGULAION D - DURING ANY SAEMEN PERIOD YOU MAY NO MAKE MORE HAN SIX RANSFERS AND WIHDRAWALS, OR A COMBINAION OF SUCH RANSFERS AND WIHDRAWALS, FROM ANY SHARE ACCOUN OR MONEY MARKE ACCOUN O ANOHER ACCOUN OF YOURS WIH US OR O A HIRD PARY BY MEANS OF A PREAUHORIZED OR AUOMAIC RANSFER, OR ELEPHONIC (INCLUDING DAA RANSMISSION) AGREEMEN ORDER OR INSRUCION, INCLUDING SUCH RANSFERS MADE BY CHECK, DRAF, DEBI CARD OR SIMILAR ORDER MADE PAYABLE O A HIRD PARY. 9

11 ACH DEBIS, INERNAL FUNDS RANSFERS (EXCEP RANSFERS O PAY YOUR LOANS WIH US), AND RANSFERS O COVER OVERDRAFS ARE INCLUDED IN HIS LIMIAION. Mmbr s Libiliy. Yur Libiliy fr Unuhrizd rnsfrs nd Advisbiliy f Prmp Rpring: ll us A ONCE if yu bliv yur GECU Dbi Crd, GECU AM Crd, r ny PIN w hv issud yu hs bn ls r sln. lphning is h bs wy f kping yur pssibl lsss dwn. Yu culd ls ll h mny in yur ccun (plus yur mximum vrdrf lin f crdi). N: If yur Crd cn b usd ccss lin f crdi ccun dircly, hn yur libiliy fr unuhrizd us f h Crd in cnncin wih h lin f crdi ccun is gvrnd by yur lin f crdi grmn unlss h unuhrizd ccss h lin f crdi ccun ws fr vrdrf prcin purpss, in which cs h disclsurs blw will pply. Fr Unuhrizd rnscins Using Yur GECU Dbi Crd r Yur AM Crd: Undr MsrCrd s zr libiliy plicy, yu will n b libl fr n unuhrizd rnscin, s lng s yu xrcisd rsnbl cr in sfgurding h crd frm risk f lss r hf, nd upn bcming wr, prmply rpr h lss r hf us. If yu d n xrcis rsnbl cr nd prmply nify us, yur libiliy will b drmind undr h sndrds s frh blw fr ll hr rnscins. If yu nify us wihin w businss dys, yur libiliy will n xcd $50 if smn usd yur Crd wihu yur prmissin. If yu d NO nify us wihin w businss dys fr yu lrn f h lss r hf f yur Crd, nd w cn prv w culd hv sppd smn frm using yur Crd wihu yur prmissin if yu hd ld us, yur libiliy shll n xcd $500. Als, if yur smn shws rnsfrs h yu did n mk, nify us nc. If yu d n nify us wihin 60 dys fr h smn ws dlivrd yu, yu my n g bck ny mny yu ls fr h 60 dys if w cn prv h w culd hv sppd smn frm king h mny if yu hd ld us in im. If gd rsn (such s lng rip r hspil sy) kp yu frm lling us, w will xnd h im prids. Anyim yu bliv yur GECU SmrLin PIN hs bn cmprmisd, in ddiin nifying us, yu shuld chng yur PIN prc yur ccuns by clling GECU SmrLin (vilbl 24 hurs dy) : (915) in h El Ps r, ninwid r fr DD (915) nd fllw h dircins fr PIN chng. * If yur GECU Onlin Bnking PIN hs bn cmprmisd, lg n ur wbsi click n h GECU Onlin Bnking icn, nd fllw h dircins fr PIN chng. Rmmbr, i is yur rspnsibiliy chng yur GECU SmrLin PIN immdily fr bcming GECU mmbr. 10

12 Cnc in Evn f Unuhrizd rnsfr: If yu bliv yur GECU Dbi Crd hs bn ls r sln, r if yu bliv yur GECU Dbi Crd PIN hs bn usd rnsfr funds frm yur ccun(s) wihu yur prmissin, cll us 24 hurs dy: r wri: GECU An: Crd Srvics Dprmn P. O. Bx El Ps, xs If yu bliv yur GECU AM Crd hs bn ls r sln, r if yu bliv yur GECU AM Crd/PIN, GECU SmrLin r GECU Onlin Bnking PIN hs bn usd rnsfr funds frm yur ccun(s) wihu yur prmissin, cll during ur pring hurs: (915) in h El Ps r, r GECU (4328) ninwid; r wri us h ddrss blw: GECU An: GECU Cll Cnr P. O. Bx El Ps, xs If yu bliv h hrugh ny hr yp f Crdi Unin lcrnic fund rnsfr srvic smbdy hs r migh rnsfr funds frm yur ccun(s) wihu yur prmissin, cll during ur pring hurs: (915) in h El Ps r, GECU (4328) ninwid r wri: GECU An: GECU Cll Cnr P. O. Bx El Ps, xs Yu cn cnc us n ny businss dy. Our businss dys r Mndy hrugh Surdy (hlidys r n includd). Our GECU Cll Cnr hurs r: Mndy hrugh Fridy Surdy Our ffic pring hurs r: Mndy hrugh Fridy Surdy 9:00 AM - 5:00 PM 9:00 AM -12:00 nn 9:30 AM - 5:00 PM 9:00 AM -12:00 nn Crdi Unin s Libiliy: If w d n cmpl n lcrnic fund rnsfr r frm yur ccun n im r in h crrc mun ccrding ur grmn(s) wih yu, w will b libl fr yur lsss r dmgs. Hwvr, hr r sm xcpins his rul. Fr insnc, w WILL NO b libl: 1. if hrugh n ful f urs, yu d n hv sufficin funds in yur ccun mk h rnsfr; 2. if h rnsfr wuld xcd h vilbl blnc in yur pruhrizd vrdrf prcin ccun(s); D b c P 11

13 3. if h rnsfr wuld xcd h FRB Rgulin D mnhly rnsfr limi frm shr ccun fr hs yps f rnscins which r gvrnd by his limi; 4. if h rminl r sysm ws n wrking prprly, nd yu knw bu h brkdwn whn yu srd h rnsfr; 5. if circumsncs bynd ur cnrl prvn h rnsfr, dspi rsnbl prcuins w hv kn; 6. whn hr r hr xcpins sd in ur grmn wih yu. Dcumnin:. rminl rnsfrs - Yu cn g rcip h im yu mk ny rnsfr r frm yur ccun using n AM r POS rminl xcp h rcip my n b vilbl fr sm rnscins f $15 r lss. b. Pruhrizd Crdis - If yu hv rrngd hv dirc dpsis md yur ccun ls nc vry 60 dys frm h sm prsn r cmpny, yu cn cll GECU SmrLin : (915) in h El Ps r, ninwid, DD (915) r cll us (915) during rgulr businss hurs find u whhr r n h dpsi hs bn md. hr r n limiins h numbr r h muns f h dpsis yu cn mk hrugh dirc dpsi. c. Pridic Smns - Yu will g mnhly ccun smn fr yur chcking ccun. Yu will g qurrly ccun smn fr yur shr ccun unlss hr r rnsfrs in priculr mnh. In h cs, yu will g shr ccun smn mnhly. Pruhrizd Pymns:. Righ Sp Pymn nd Prcdur fr Ding S - If yu hv ld us in dvnc mk rgulr pymns u f yur ccun, yu cn sp ny f hs pymns. Cll during ur businss hurs: (915) in h El Ps r, GECU (4328) ninwid r wri: GECU An: GECU Cll Cnr P. O. Bx El Ps, X in im fr us rciv yur rqus hr businss dys r mr bfr h pymn is schduld b md. If yu cll, w my ls rquir yu pu yur rqus in wriing nd g i us wihin 14 dys fr yu cll. In ddiin, if yu nify us h yur uhrizin is n lngr vlid, w my cnfirm h yu hv infrmd h py h yur uhrizin hs bn rvkd, nd w my rquir cpy f yur rvcin f uhrizin s wrin cnfirmin, b prvidd wihin 14 dys f ny rl nificin. If w d n rciv h rquird wrin cnfirmin wihin his im prid, w my hnr subsqun dbis h ccun. Yu my incur f fr sp pymn s s frh in h Mmbr Srvics F Schdul. 12

14 b. Nic f Vrying Amuns - If hs rgulr pymns my vry in mun, h prsn yu r ging py will ll yu, n dys bfr ch pymn, whn i will b md nd hw much i will b. Yu my chs insd g his nic nly whn h pymn wuld diffr by mr hn crin mun frm h prvius pymn, r whn h mun wuld fll usid crin limis h yu s. c. Libiliy fr Filur Sp Pymn f Pruhrizd rnsfr - If yu rdr us sp n f hs pymns hr businss dys r mr bfr h rnsfr is schduld, nd w d n d s, w will b libl fr yur lsss r dmgs. Yur GECU Dbi Crd rnscins: Upn Crdi Unin pprvl, yu my rciv GECU Dbi Crd. (Rfr h GECU Dbi & GECU AM CARD AGREEMEN scin in his brchur fr cmpl dils.) h Crd is usd inii wihdrwls frm yur chcking ccun purchs gds r srvics frm mrchns priciping in h MsrCrd GECU Dbi Crd prgrm. h Crd is ls usd s n AM crd (rfr h scin immdily fllwing fr full dils bu AM rnscins). hr r n limiins h numbr f ims yu cn us yur GECU Dbi Crd, bu POS purchss/csh dvncs nd hr purchs rnscins cnn xcd h mun currnly vilbl in yur chcking ccun plus ny vilbl funds in yur pruhrizd vrdrf prcin ccun(s). Ovrdrf frm yur shr ccun cusd by GECU Dbi Crd POS rnscin will n b llwd if h rnscin wuld xcd h limi impsd by FRB Rgulin D. Pls rfr h yps f Avilbl rnsfrs scin fr infrmin bu FRB Rgulin D rnsfrs. Yur AM Crd rnscins - GECU AM / GECU Dbi Crd: Upn Crdi Unin pprvl, yu my rciv GECU AM Crd. (Rfr h GECU Dbi Crd & GECU AM CARD AGREEMEN scin in his brchur fr cmpl dils.) Bh yur AM nd GECU Dbi Crd my b usd wihdrw funds n AM frm yur pr-slcd chcking nd shr ccuns. Csh dvncs hrugh ln dd-ns yur prpprvd Chcking Lin Of Crdi r vilbl nly prpriry AMs (n AM wnd nd prd by h Crdi Unin). In ddiin, hs Crds my b usd inii POS rnscins fr h purchs f gds r srvics r bin funds frm yur chcking ccun frm mrchns priciping in POS prgrm. hr r n limiins h numbr f ims yu cn us yur Crds n AM. Hwvr, l AM wihdrwls ch dy will b limid mximum f $ (pr Crd), unlss hrwis pprvd by h Crdi Unin. Bh yur AM nd GECU Dbi Crd my b usd dpsi funds ny prpriry AM frm yur pr-slcd chcking nd shr ccuns. hr r n limiins h numbr f ims yu cn us yur Crds n AM. Hwvr, h l AM dpsi dllr mun is limid $10,000 pr dy. Fs: Yu will b chrgd rnscin f fr ch wihdrwl iniid nn-prpriry AM. Fr ch mpd wihdrwl nn-prpriry AM dnid du insufficin vilbl funds in yur ccun(s), including funds frm yur pruhrizd vrdrf prcin ccun(s), yu will ls b chrgd f. hs fs r s frh in h Mmbr Srvics F Schdul. In ddiin, whn yu us nn-prpriry AM, yu my b chrgd f by h AM prr r ny nwrk usd cmpl h rnsfr (nd yu my b chrgd f fr blnc inquiry). C I d i I W m c s c q w F c W w 13

15 Cnfidniliy: W my find i ncssry discls infrmin bu yur ccun r lcrnic fund rnsfrs r frm yur ccun hird pris: 1. whr i is ncssry fr cmpling rnsfrs; 2. in rdr vrify h xisnc nd cndiin f yur ccun fr hird pry, such s crdi buru r mrchn; 3. in rdr cmply wih cur rdrs, subpns, lvis, summnss nd hr lgl prcsss; 4. in rdr cmply wih fdrl rgulins gvrning lcrnic fund rnsfrs; 5. if yu giv us yur wrin prmissin. In Cs f Errrs r Qusins Abu Yur Elcrnic rnsfrs: Cll during ur pring hurs: (915) in h El Ps r, GECU (4328) ninwid r wri: GECU An: GECU Cll Cnr P. O. Bx El Ps, X s sn s yu cn if yu hink yur smn r rcip is wrng r if yu nd mr infrmin bu rnsfr lisd n h smn r rcip. W mus hr frm yu n lr hn 60 dys fr w snd h FIRS smn n which h prblm r rrr pprd: 1. ll us yur nm nd ccun numbr (if ny). 2. Dscrib h rrr r h rnsfr yu r unsur bu, nd xplin s clrly s yu cn why yu bliv i is n rrr r why yu nd mr infrmin. 3. ll us h dllr mun f h suspcd rrr. If yu ll us rlly, w my rquir h yu snd us yur cmplin r qusin in wriing wihin 10 businss dys. W will drmin whhr n rrr ccurrd wihin 10 businss dys fr w hr frm yu nd will crrc ny rrr prmply. If w nd mr im, hwvr, w my k up 45 dys invsig yur cmplin r qusin. If w dcid d his, w will crdi yur ccun wihin 10 businss dys fr h mun yu hink is in rrr, s h yu will hv us f h mny during h im i ks us cmpl ur invsigin. If w sk yu pu yur cmplin r qusin in wriing nd w d n rciv i wihin 10 businss dys, w my n crdi yur ccun. Fr rrrs invlving nw ccuns, pin-f-sl, r frign-iniid rnscins, w my k up 90 dys invsig yur cmplin r qusin. Fr nw ccuns, w my k up 20 businss dys crdi yur ccun fr h mun yu hink is in rrr. W will ll yu h rsuls wihin hr businss dys fr cmpling ur invsigin. If w dcid h hr ws n rrr, w will snd yu wrin xplnin. Yu my sk fr cpis f h dcumns h w usd in ur invsigin. 14

16 GECU DEBI CARD & GECU AM CARD AGREEMEN ERMS USED IN HIS AGREEMEN - Crdi Unin mns GECU, primry ddrss lcd 7227 Viscun Bulvrd, El Ps, xs Crd mns ny ccss dvic issud yu by h Crdi Unin undr h rms f his Agrmn, includ ny plsic crd, ny rnwl r rplcmn f h Crd nd h us f h ccun numbr n h Crd. Yu nd yur mn ny prsn wh, in cnjuncin wih his Agrmn, rquss nd rcivs, r uss, r uhrizs nhr us h Crd fr h purps f rnsfrring funds bwn ccuns, dpsiing, r bining mny, prpry, lbr r srvics. Chcking Accun nd Accun mn ny dmnd dpsi ccun which yu sblish wih h Crdi Unin which yu dsign b ccssibl hrugh h Us f h Crd. Shr Accun mns shr ccun dsignd by yu b sscid wih h Crd. Chcking Lin Of Crdi r Lin Of Crdi mns pr-pprvd rvlving lin f crdi sblishd in cnjuncin wih h Accun undr LOANLINER grmn r hr lin f crdi grmn. Ovrdrf Prcin Accun(s) mn shr nd/r ddiinl chcking ccun(s) which yu r jin signr n h Accun hv s up hrugh spr grmn frm which funds r rnsfrrd in h Accun py chrgs iniid wih h Crd whn hr r n sufficin funds in h Accun. Sls Drf r Drf mns ny sls drf, wihdrwl slip r hr dcumn signd, r hrwis uhrizd, by yu r prsn uhrizd by yu, in cnncin wih h us r prsnin f h Crd r h ccun numbr mbssd n h Crd. Us f h Crd mns ny prcdur iniid by yu r smn uhrizd by yu fr h purps f rnsfrring funds bwn ccuns, dpsiing, r bining mny, prpry, lbr r srvics using h Crd. Yur Us f h Crd cnsius yur ccpnc f ll h rms nd cndiins s frh in his Agrmn. Unuhrizd Us f h Crd mns h us f h Crd by smn hr hn yu wh ds n hv cul, implid, r pprn uhriy fr such us, nd frm which yu rciv n bnfi. ISSUANCE OF HE CARD - If yur pplicin fr h Crd is pprvd, h Crdi Unin will issu yu Crd which yu cn us ccss funds frm h dsignd Accun, Shr Accun nd/r h Lin Of Crdi, ccrding h rms nd cndiins f his Agrmn. h Crd shll rmin h Crdi Unin s prpry ll ims, nd yu gr dlivr i h Crdi Unin n dmnd. h Crdi Unin my rmin yur righ us h Crd ny im, nd fr ny rsn, wihu nic. Rsricd crd us my ccur whn Crdi Unin lns r dlinqun. Whn h Crd is issud yu, yu will chs r b issud Prsnl Idnificin Numbr (PIN) b usd ny Aumd llr Mchin (AM) r Pin-Of-Sl (POS) rminl in rdr wihdrw funds r py fr purchss. Yu gr kp his numbr in srics cnfidnc. Yu gr h yu will nihr wri h PIN n h Crd nr sr h PIN wih h Crd. Excp s hrwis limid by lw, yu my b rspnsibl fr ny lss rsuling frm h Unuhrizd Us f h Crd du yur filur kp such PIN cnfidnil. Rfr h Fr Unuhrizd rnscins Using Yur GECU Dbi Crd scin fr dils. CARD DESIGN OPIONS - GECU ffrs mulipl crd dsign pins fr yur GECU Dbi Crd. hr my b fs sscid wih h crd dsign slcd. Rfr h Mmbr Srvic F Schdul scin in his brchur fr cmpl dils. SECURIY INERES - AS A CONDIION FOR APPROVAL OF YOUR APPLICAION FOR A GECU DEBI CARD AND/OR A GECU AM CARD, YOU GRAN O HE CREDI UNION A SECURIY INERES IN HE SHARES AND DEPOSIS IN ALL JOIN AND SINGLE-PARY ACCOUNS YOU HAVE WIH HE CREDI UNION NOW AND IN HE FUURE. HE ADVANCE IS SECURED BY YOUR SHARES, ALL PROPERY SECURING OHER PLAN ADVANCES AND LOANS RECEIVED IN HE PAS OR IN 15 (I A Y C A E P B P Y IN U A c p W c c c m in p h B Y I r p A C L n sp C C fr p w c c r v O im A

17 HE FUURE. [DEPOSIS IN AN INDIVIDUAL REIREMEN ACCOUN (IRA) AND ANY OHER ACCOUN HA WOULD LOSE SPECIAL AX REAMEN UNDER SAE OR FEDERA LAW IF GIVEN AS SECURIY ARE NO SUBJEC O HE SECURIY INERES YOU ARE GIVING IN YOUR SHARES AND DEPOSIS.] YOU FURHER AGREE HA HE CREDI UNION MAY ENFORCE HIS SECURIY INERES AGAINS ANY FUNDS YOU HAVE ON DEPOSI A HE CREDI UNION O HE EXEN OF ANY DIREC OR INDIREC INDEBEDNESS RELAING O HE CARD REGARDLESS OF WHEHER YOU ARE A SINGLE OR JOIN PARY ON HE ACCOUN(S) AND WIHOU PRIOR NOICE O YOU. BY YOUR USE OF HE CARD AND BY YOUR SIGNAURE IN HE SPACE PROVIDED ON HE CARD APPLICAION, YOU ACKNOWLEDGE HA YOU UNDERSAND AND CONSEN O HE GIVING OF HIS SECURIY INERES AS A CONDIION FOR OBAINING HE CARD. USE OF HE CARD - Funds frm h dsignd Accun, Shr Accun nd/r h Lin Of Crdi my b ccssd by using h Crd AMs wnd nd prd by h Crdi Unin (prpriry AMs) r hr AM/POS rminls s prmid undr grmns r cnrcs which h Crdi Unin my nr in wih hr AM/POS prcssrs, nwrks nd/r lcrnic swich srvics. Dirc ccss h Lin Of Crdi is vilbl nly prpriry AMs. Whn yu uhriz ny hr prsn us h Crd, yu will b cnsidrd hv usd h Crd yurslf, nd h uhrizin will cninu unil yu nify h Crdi Unin in wriing h ny such uhrizin hs bn wihdrwn, which im h Crdi Unin will cncl h Crd nd dcid if rissu will b prvidd yu. h GECU Dbi Crd my ls b usd purchs gds nd srvics mrchns wh ccp MsrCrd. Yur Us f h Crd indics yur inn inii wihdrwls frm h Accun by prsning h Crd r prviding h ccun numbr mbssd n h Crd prsns wh hnr h Crd nd signing, r hrwis uhrizing, n pprpri Sls Drf. Bh yur AM nd GECU Dbi Crd my b usd dpsi funds ny prpriry AM yur pr-slcd chcking nd shr ccuns. Yur Crd nd Accun my b usd nly fr vlid nd lwful purpss. If yu us, r llw smn ls us, h Crd r Accun fr ny hr purps, yu will b rspnsibl fr such us nd my b rquird rimburs h Crdi Unin nd MsrCrd Inrninl Incrprd fr ll muns r xpnss ihr h Crdi Unin r MsrCrd pys s rsul f such us. AUHORIZAION FOR PAYMEN - Yu dirc nd uhriz h Crdi Unin py frm h pprpri Accun, Shr Accun nd/r Lin Of Crdi ny Sls Drf rigind hrugh h Us f h Crd, nd ny PIN uhrizd rnscin, in h mun nd h prsn spcifid in ny such Drf r rnscin. Yu furhr uhriz h Crdi Unin py sscid fs fr hs rnscins. Us f h Crd inii wihdrwl shll cnsiu simulnus wihdrwl frm h dsignd ccun, vn hugh h wihdrwl my n b psd unil lr d. h Crdi Unin shll n b bligd py wihdrwls gins dpsis n finlly psd nd sld yur ccun. Abus f h Crd, which includs bu is n limid cnsisnly iniiing rnscins h xcd vilbl funds, my rsul in is cncllin. If ny im, Us f h Crd cuss h vilbl funds in h Shr Accun, Chcking Accun nd/r Lin Of Crdi sscid wih h Crd b xcdd, yu gr immdily py us h mun which xcds h vilbl funds, ghr wih ny fs which w my ssss. Rfr h Funds Avilbiliy Plicis scin in his brchur fr ddiinl infrmin n his subjc. 16

18 AM crd purchss nd csh wihdrwls md in frign cunris nd frign currncis will b chrgd yu in U.S. dllrs. h cnvrsin r will b pplid by h swiching nwrk h hndls h rnscin using h pplicbl r in ffc h im. MERCHAN SALES / CASH WIHDRAWALS AND AM AUHORIZAIONS - A POS rnscin will ccss nly h Chcking Accun sscid wih h Crd. Mrchn sls, nd csh r AM wihdrwls frm h Accun will n b uhrizd unlss yu hv vilbl funds n dpsi ghr wih ny vilbl blnc in yur Chcking Lin Of Crdi nd/r Ovrdrf Prcin Accun(s). Funds h hv bn pldgd s scuriy r hrwis hld by h Crdi Unin will n b vilbl. AM wihdrwls frm yur Shr Accun will n b uhrizd unlss yu hv vilbl funds n dpsi h im f h AM rnscin. h minimum blnc rquird b minind in yur Shr Accun, nd funds pldgd s scuriy r hrwis hld by h Crdi Unin, will n b vilbl. h xn h hr r funds vilbl fr wihdrwl, hr r n limiins h numbr f ims yu cn us yur GECU Dbi Crd r GECU AM Crd. Hwvr, l AM/POS wihdrwls ch dy will b limid mximum f $ (pr Crd), unlss hrwis pprvd by h Crdi Unin. OVERDRAF PROECION ERMS - In cnjuncin wih yur Chcking Accun, yu my hv signd spr Chcking Ovrdrf Prcin Agrmn dsign shr ccun(s) nd/r Chcking Lin Of Crdi s bckup funds surcs. h ddiinl funds in hs ccuns my b ccssd hrugh h Us f h Crd whn yu d n hv sufficin funds vilbl in yur Accun py ny wihdrwl. Yu gr yu will n im mk purchss r csh wihdrwls xcding h l mun f funds vilbl in yur Accun, plus ny vilbl in yur Chcking Lin Of Crdi nd/r Ovrdrf Prcin Accun(s). rnscins iniid hrugh h Us f h Crd which xcd yur crdi limi r bring yur Accun blnc in h ngiv my rsul in h ssssmn f nn-sufficin funds f pr rnscin. CHECKING LINE OF CREDI - Any Chcking Lin Of Crdi yu my hv h is ccssd hrugh h Us f h Crd is sblishd undr spr LOANLINER grmn r hr lin f crdi grmn. Yur minnnc f his Lin Of Crdi is subjc ll f h ruls, rquirmns, rms nd cndiins sd hrin. Abus f h Lin Of Crdi, which includs bu is n limid xcding yur crdi limi, my rsul in is cncllin, which im h Crd will ls b cnclld. DISCREIONARY OVERDRAF PRIVILEGE POLICY - GECU is n bligd py ny im prsnd fr pymn. Furhr, if yur ccun ds n cnin sufficin vilbl funds, nd ny discrinry pymn (r hr ngiin r prcssing) by GECU f ny nn-sufficin funds chck r chcks (r hr im), GECU is n bligd py ny ddiinl nn-sufficin funds chck r im r prvid prir nic f is dcisin rfus py ny ddiinl nn-sufficin funds chck r im. GECU shll cnsidr, s discrinry cursy nd n righ r bligin, pprving rsnbl vrdrfs if yur cnsumr ccun ( g A s u A w i i G p w i d c d A c r G r f p G Y f P W c p 17

19 (primrily usd fr prsnl nd hushld purpss) is minind in gd snding, which shll includ bu is n limid : A)Mking rgulr dpsis cnsisn wih yur ps prcics; B) Dpsiing n mun qul h mun f discrinry vrdrf privilg xndd yu r mr in yur ccun wihin ch hiry (30) dy prid nd bringing yur ccun blnc psiiv blnc wihin vry hiry (30) dy prid; C) Yu r n in dful n ny ln r hr bligin GECU; nd D)Yu r n subjc ny lgl r dminisriv rdr r lvy. A h discrin f GECU, h privilg fr cnsumr chcking ccuns shll gnrlly n xcd $300 mximum (ngiv) blnc, including ny nd ll pplicbl nn-sufficin funds/vrdrf fs s s frh undr h Mmbr Srvics Fs scin f h rms nd Cndiins. h fs nd ch pid chck r im will b includd in his limi. All chcks wrin by yu r prcssd by GECU in squnil rdr nly. Ohr rnscins, such s AM wihdrwls, in-prsn wihdrwls, dbi crd rnscins, pruhrizd umic dbis, lphn-iniid rnsfrs r hr lcrnic rnsfrs will b prcssd in h rdr in which hy r rcivd. Pls b wr h h rdr in which rnscins r rcivd nd prcssd my ffc h l mun f vrdrf fs incurrd by yu. GECU my chrg mr hn n vrdrf f gins yur ccun pr dy, dpnding n h numbr f chcks prsnd n, nd hr wihdrwls md frm, yur ccun. Spcificlly, fs shll pply vrdrfs crd by chck, in-prsn wihdrwls, AM wihdrwls r hr lcrnic mns s pplicbl. h l f h discrinry vrdrf privilg (ngiv) blnc, including ny nd ll fs, including ll nn-sufficin funds/vrdrf fs is du nd pybl upn dmnd, nd yu nd ny pry uhrizd sign n his ccun will cninu b libl, jinly nd svrlly, fr ll such muns, s dscribd in h rms nd Cndiins. Agin, pprvl f pymn f rsnbl vrdrfs by GECU n ccuns in gd snding (s dscribd bv) is nly discrinry cursy, nd n righ r bligin, is wihin GECU s sl nd bslu discrin, nd cn cs ny im wihu prir nic, rsn r cus. GECU ffrs h discrinry vrdrf privilg srvic s cnvninc mmbrs fr incidnl vrdrfs. W d n ncurg yu rpdly vrdrw yur ccun. W ncurg yu mng yur finncs rspnsibl. Yu my p-u f h discrinry vrdrf privilg srvic ny im by nifying GECU vrblly r in wriing. GECU my rquir h ny vrbl p-u b cnfirmd in wriing. Yu undrsnd h by ping-u f his srvic, GECU my rfus py ny chck r im h is prsnd gins n insufficin blnc n yur ccun nd yu will b rspnsibl fr ny nn-sufficin funds/rurnd im fs. Yu r sill rspnsibl py ny vrdrf vn if yu hv pd-u f h srvic. rqus rmvl f his pinl srvic frm yur chcking ccun cll GECU Cll Cnr r ll fr GECU. Pymn f vrdrfs fr AM nd vrydy dbi crd rnscins - W d n uhriz nd py vrdrfs fr AM nd vrydy dbi crd rnscins unlss yu sk us. AM nd n-im crd rnscins rquir mmbr p-in using h mhds w rquir in rdr fr h Crdi Unin xrcis is discrin undr his prvisin py hs priculr rnscin yps. Furhr, ny wnr my mk rquss fr srvics r mk lcins rling 18

20 ny mulipl pry ccun; nd such rquss r lcins shll b binding upn ll wnrs. If yu wn us uhriz nd py vrdrfs n AM nd vrydy rnscins, cll GECU Cll Cnr r ll fr GECU. Yu my rvk yur cnsn fr h pymn f vrdrfs n AM nd dbi crd rnscins ny im by nifying us. W will discninu h pymn f such vrdrfs s sn s pssibl fr rciving nic f yur rvcin. CARD USE SERVICE CHARGES - If yu us nn-prpriry AM, yu will b chrgd rnscin f fr ch wihdrwl. Fr ch mpd wihdrwl nn-prpriry AM dnid du nnsufficin funds, yu will ls b chrgd f. hs fs r s frh in h Mmbr Srvics F Schdul. h Crdi Unin ds n currnly imps spr nd ddiinl chrgs fr h Us f h Crd prpriry AMs r fr POS r hr purchs rnscins. h Crdi Unin my bgin ssssing such chrgs by mnding his Agrmn subjc dvnc nic s my b rquird by pplicbl lw. CARDHOLDER LIABILIY FOR UNAUHORIZED RANSFERS - ll us immdily if yu bliv yur Crd r PIN hs bn ls r sln r h smn hs rnsfrrd r my rnsfr mny frm yur ccun(s) wihu yur prmissin. lphning is h bs wy f kping yur pssibl lsss dwn. Filur nify us culd cus yu ls ll h funds vilbl in yur Chcking Accun, Shr Accun, Chcking Lin Of Crdi, nd hr ccuns yu hv dsignd fr vrdrf prcin. Rfr h Elcrnic Fund rnsfr Srvics Iniil Disclsur scin in his brchur fr dils. Yur pridic ccun smns will b dlivrd h ms currn ddrss w hv n fil fr yu nd will includ wihdrwls iniid hrugh h Us f h Crd. I is yur rspnsibiliy dilignly xmin hs smns immdily upn rcip. If yur smn shws rnsfrs h yu did n mk r if yu hink yur smn is wrng, ll us nc. If yu ll us rlly, w will rquir h yu snd us yur cmplin r qusin in wriing wihin 10 businss dys. Pls rd h Elcrnic Fund rnsfr Srvics Iniil Disclsur scin in his brchur fr h lphn numbr nd ddrss b usd nify us, nd fr mr infrmin cncrning yur libiliy fr unuhrizd rnsfrs. If yur Crd is usd wihu yur prmissin ccss yur Chcking Lin Of Crdi dircly n f ur AMs, yu will n b libl fr unuhrizd us h ccurs fr yu nify us rlly r in wriing f h lss, hf r pssibl unuhrizd us. Rfr h Fr Unuhrizd rnscins Using Yur GECU Dbi Crd scin fr dils. CREDI UNION RIGHS O REGULAE CARD USE - h Crdi Unin my sblish whvr prcdurs nd limis i blivs pprpri prvn h Unuhrizd Us f h Crd, r prvn h Us f h Crd inii wihdrwls in xcss f l funds vilbl. hs prcdurs my includ, bu r n limid, rquirmn h h prsn/mrchn hnring h Crd bin pprvl f h Crd s us bfr h Crdi Unin will hnr ny such rnscin(s). Yu cknwldg nd gr h yu will hv n clim r righ f cin gins h Crdi Unin fr h Crdi Unin s filur r rfusl pprv h Us f h Crd if h us is n wihin prcdurs nd limis s by h Crdi Unin, rgrdlss f whhr h us wuld xcd ll vilbl funds. h Crdi Unin will hv n libiliy fr ny prsn s/mrchn s filur hnr h Crd. JOIN SIGNERS - If mr hn n signr is uhrizd sign n h ccun(s) sscid wih h Crd, ch signr shll b jinly nd svrlly rspnsibl fr h prfrmnc f yur bligins undr h 19 c S Ds I C w C C c A Fi i w w V bg M u Y U A m c f D U d F y I M w d g b

21 rms nd cndiins f h ccun grmn, including vrdrfs cusd by ny signr. SOP PAYMEN - Yu shll hv n righ sp pymn n Sls Drf r similr rnscin fr hving signd r hrwis uhrizd such Drf r rnscin. If yu hv uhrizd rcurring hird pry chrg h GECU Dbi Crd, yu cn cncl h chrg by nifying h Crdi Unin in kping wih h Elcrnic Fund rnsfr Srvics Iniil Disclsur scin in his brchur. In ddiin, cnc h hird pry in wriing rvk h uhrizin, nd prvid cpy f yur rvcin lr h Crdi Unin. I is rcmmndd h h rvcin lr b sn wih rurn rcip hv prf if prblm riss in h fuur. CHANGES O HIS AGREEMEN - h Crdi Unin my dd, chng r dl h rms f his Agrmn r rmin his Agrmn ny im is discrin subjc prir nificin rquird by pplicbl lw. ACCOUN PROVISIONS - h Crd nd is us shll b gvrnd by his Agrmn, ny Chcking Lin Of Crdi grmn nd/r sscid ccun grmn(s), ny rms sd n h Crd, nd h Elcrnic Fund rnsfr Srvics Iniil Disclsur nd hr pplicbl prvisins in his brchur, s prsnly in ffc nd s h sm my b mndd in h fuur by h Crdi Unin. All such dcumns r md pr f his Agrmn s if hy wr cpid in h Agrmn wrd fr wrd nd shll b cnsrud b cnsisn whnvr pssibl. In h vn f ny cnflic, his Agrmn nd disclsurs givn in cnncin wih h issunc r Us f h Crd shll cnrl. VALIDIY / SEVERABILIY - h vlidiy, cnsrucin nd nfrcmn f his Agrmn nd ll mrs rising u f h issunc nd Us f h Crd shll b gvrnd by pplicbl lws f h S f xs nd h Unid Ss, ll pplicbl plicis which my b sblishd by h Crdi Unin nd is Brd f Dircrs, nd in ddiin fr h GECU Dbi Crd, ruls r rgulins which my b sblishd by MsrCrd. If ny prin f his Agrmn is hld b invlid r unnfrcbl fr ny rsn, h rmindr shll n b ffcd hrby. Yur signur nd/r iniils n h Crd pplicin nd subsqun Us f h Crd shll b cnsidrd yur cknwldgmn nd grmn ll rms, cndiins nd bligins ulind hrin. ADDIIONAL PROVISIONS - h Crdi Unin ds n wrrn ny mrchndis r srvics purchsd by yu wih h Crd. All purchss nd csh wihdrwls r xndd h pin f h mrchn, h csh dvncing finncil insiuin r h nn-prpriry AM wnr. h Crdi Unin is n rspnsibl fr h rfusl by ny mrchn r finncil insiuin hnr h Crd. DOCUMEN IMAGING - Yu cknwldg nd gr h h Crdi Unin, is pin, my chs cr nd rin lcrnic cpis f yur riginl Accun rcrds nd ny hr rcrds, nd hrfr disps f h riginls. Yu furhr gr h lcrniclly scnnd r srd imgs f yur Accun rcrds will hv h sm ffc s h riginl rcrds fr ll lgl purpss. FOREIGN CURRENCY CONVERSION - If yu ffc rnscin wih yur MsrCrd crd in currncy hr hn U.S. dllrs, MsrCrd Inrninl Incrprd will cnvr h chrg in U.S. dllr mun. MsrCrd Inrninl will us is currncy cnvrsin prcdur, which is disclsd insiuins h issu MsrCrd crds. Currnly h currncy cnvrsin r usd by MsrCrd Inrninl drmin h rnscin mun in U.S. dllrs fr such rnscins is gnrlly ihr gvrnmn mndd r r whlsl r drmind by MsrCrd Inrninl fr h prcssing cycl in which h rnscin is prcssd, incrsd by n djusmn fcr sblishd 20

22 frm im im by MsrCrd Inrninl.h currncy cnvrsin r usd by MsrCrd Inrninl n h prcssing d my diffr frm h r h wuld hv bn usd n h purchs d r crdhldr smn psing d. W will chrg n Inrninl rnscin F s s frh in h Mmbr Srvics F Schdul n ll inrninl rnscin muns, vn if h rnscin is chrgd in U.S. dllrs. AM Sfy Prcuins - Exrcis discrin whn using n Aumd llr Mchin r nigh dpsi fciliy. Obsrv bsic sfy prcuins. Prpr fr ny AM rnscins prir pprching h AM r nigh dpsi fciliy. Nvr nr yur PIN in ny rminl h ds n lk gnuin, hs bn mdifid, hs suspicius dvic chd, r is pring in suspicius mnnr. Rin yur rcips, nd d n lv hm h AM r nigh dpsi fciliy. D n lnd yur crd nyn, nd d n lv yur crd r ny hr dcumns h AM r ny nigh dpsi fciliy. Kp yur PIN scr nd mmriz i. D n giv nyn infrmin rgrding yur crd r PIN vr h lphn. Whn using n AM, plc yur bdy in psiin s h yu will prvn hrs frm bsrving yur PIN whn nrd. A ny AM r nigh dpsi fciliy, kp lku fr ny suspicius civiy nr h fciliy nd ssur yurslf h h fciliy nd ll pprchs h fciliy r wll lighd. Cncl csh rcivd frm n AM h bs f yur biliy nd cun i fr yu hv lf h AM. If nyn ffrs ssisnc whil yu r pring n AM, d n ccp i. If yu hv bgun rnscin, cnsidr cncling h rnscin nd lving h AM lcin. Finlly, cmpr yur rcips gins h smns yu rciv nd nify us immdily if yu suspc h n rrr r unuhrizd rnscin hs ccurrd. PLEDGES/ASSIGNMENS OF CHECKING AND SHARE ACCOUNS AND CERIFICAES OF DEPOSI Any dpsis hld in yur ccuns, which xcd h mun scuring lns h Crdi Unin, my b pldgd r ssignd ny pry prvidd yu bin prir pprvl frm h Crdi Unin. A crific ccun is n ngibl r rnsfrbl. CONRACUAL LIEN AND RIGH OF SEOFF In ddiin ny lin w hv s mr f lw, yu grn us cnrcul lin nd righ f sff n ll shrs, dpsis, dividnds nd inrs in ny ccun in which yu hv n inrs h xn f ny lns md yu nd ny hr bligin f yurs which yu w us, which lin scurs rpymn f ny such ln r bligin h xn n prhibid undr h ruh-in-lnding Ac. Yu gr h, if ny such ccun is jin ccun, h nir mun in such ccun shll b subjc ur lin nd righ f sff nd shll scur h indbdnss f ch jin wnr wing us. Yu gr h w my xrcis ur lin nd righ f sff nd pply h nir mun in ny such ccun gins h indbdnss f ny jin wnr wing us nwihsnding h inrs f ny hr jin wnr in h ccun, nd wihu nic. Yu gr hld us hrmlss fr xpnss nd css, including rnys fs, which w my incur in nfrcing ur righ xrcis ur lin nd righ f sff gins h indbdnss f ny n r mr jin wnrs. Yu gr h w will n b libl fr dishnring chcks r hr ims whr h xrcis f ur lin r ny righ f sff which my xis rsuls in hr bing insufficin funds in h ccun hnr such ims. If w lc n nfrc ur lin r righ f sff ny im, w d n wiv ur righ nfrc h lin r righ f sff n subsqun ccsins. h lin nd righ f sff scurs ll dirc nd indirc indbdnss which yu my w us whhr s brrwr, csignr, gurnr r hrwis. Yu gr h, wih rgrd ny indbdnss wing us scurd by yur principl rsidnc, ur lin shll n b cnsrud s s prmi h mdificin f ny clim w my hv undr 11 U.S.C. 1322(b)(2), nd h xn h his lin is s cnsrud, i shll b vid. Pursun S Lw, Scil Scuriy nd SSI funds rcivd by yu nd dpsid yur shr r chcking ccun, r cnsidrd yur g f g r ch A r p n USh r h IN W in h l ( l r r ( h c r s by m m l c d C. b. c. d. 21

23 gnrl dpsis, h sm s ny hr funds nd r subjc bing chrgd fr h Crdi Unin s usul fs nd chrgs, s uhrizd by his ccun grmn. h Scil Scuriy nd SSI funds which r rcivd s n ACH r wir rnsfr, bu r n y dpsid in h ccun my ls b chrgd fs nd r subjc righ f ffs nd sury lin. RANSFER WIHOU ENDORSEMEN., y s s l u r y s g y - s r ll A chck drwn nming s py mmbr f h Crdi Unin my n rquir ndrsmn if h funds r dpsid in n ccun n which h prsn is nmd. his rul pplis whr chcks r pybl prsn n n ccun vn hugh h nm f h prsn n h rcrds f h Crdi Unin migh diffr incidnlly frm h prsn nmd s py n h chck. Shuld h Crdi Unin rciv unndrsd ims, h Crdi Unin is n rquird ndrs h im nd my dpsi h im h bnfi f h hldr/py h Crdi Unin s discrin. INACIVE, DORMAN OR ABANDONED ACCOUNS W r rquird by lw prsrv n ccun r sf dpsi bx h is inciv. An ccun is inciv if fr mr hn n yr hr hs n bn dbi r crdi h ccun bcus f n c by yu r yur gn (hr hn h Crdi Unin), nd yu hv n cmmunicd wih us. Undr xs lw, shr nd dpsi ccuns f xs rsidns r prsumd bndnd if () h ccun hs bn inciv fr ls hr yrs frm h d f yur ls rnscin n h ccun r yur ls crrspndnc wih us, nd (b) w r unbl lc yu. Sf dpsi bxs r cnsidrd inciv if h rnl n h bx is dlinqun. A sf dpsi bx is prsumd bndnd if () h sf dpsi bx hs bn inciv fr ls fiv yrs frm h d h rnl ws ls du bu unpid, nd (b) w r unbl lc yu. If n ccun r sf dpsi bx is prsumd bndnd, h S f xs rquirs h Crdi Unin snd funds n dpsi r h cul cnns f h sf dpsi bx h Cmprllr f Public Accuns. W mus ls bid by h s drmncy lws f h rsidnc s f ll nn-xs rsidn mmbrs, which culd b mr r lss hn h hr yr prid. W wn minin n civ ccun rlinship wih yu ll ims, nd yu shuld lwys kp currn ddrss n yur ccuns. Yu my kp yur ccuns civ by mking rgulr dpsis r wihdrwls. Yu my kp yur sf dpsi bx civ by mking yur nnul rnl pymn. CHECKING ACCOUN h fllwing rms nd cndiins pply chcking ccun:. Only chcks nd hr mhds pprvd by h Crdi Unin my b usd wihdrw funds frm chcking ccun, r ccss ny vrdrf prcin ccun r Chcking Lin Of Crdi. b. h Crdi Unin is undr n bligin py chck n which h d is mr hn six mnhs ld r which xcds h blnc n dpsi in h chcking ccun plus vilbl funds frm vrdrf prcin ccuns (FRB Rgulin D limis pply shr ccuns dsignd fr vrdrf prcin); h Crdi Unin my, hwvr, is wn discrin, py ny chck drwn gins yur ccun dd mr hn six mnhs ld nd is undr n bligin infrm ny pry n h ccun f ur innin d s. c. Excp fr lsss cusd by h Crdi Unin s filur xrcis rdinry cr r is filur c in gd fih, h Crdi Unin is n libl fr ny cin i ks rgrding h pymn r nnpymn f ims, h cllcin f ims, h dpsi f ims, hr wihdrwls, r dvncs r crdi in sisfcin f vrdrfs. d. All nn-csh pymns rcivd fr dpsi in r crdi chcking ccun my b crdid subjc finl pymn hrf. 22

24 . h rms f h chcking ccun is subjc chng in ccrdnc wih h f schdul dpd by h Crdi Unin frm im im. f. h us f chcking ccun is subjc ll pplicbl s nd fdrl lws nd such hr rms, cndiins nd rquirmns s h Crdi Unin my sblish frm im im. g. N lif insurnc cvrg is prvidd fr sums n dpsi in chcking ccun. h. h Crdi Unin hs righ chrg f fr rurn ims. i. Chcks drwn gins yur ccun will n b rurnd yu. Yu my rqus cpy f chck r chcks, bu such rquss r subjc h Crdi Unin s srvic fs. h Crdi Unin will prvid yu smn n mnhly bsis which will prvid infrmin cncrning chcks yu wri gins yur ccun. I is yur rspnsibiliy rcncil his smn gins yur chck crbns nd hr dbis h ccun nd nify h Crdi Unin f ny discrpncis. Yu gr h chcks r dmd b md vilbl yu by ur prviding his smn nd yur biliy rqus cpis f hs chcks. j. h Crdi Unin my chrg gins yur ccun chck hrwis prprly pybl frm h ccun, vn hugh pymn is md bfr h d f h chck, unlss ny pry r jin pry n his ccun hs givn nic h Crdi Unin f h psding. Nificin mus b givn ihr in wriing r rlly h Crdi Unin in such im nd wih sufficin dscripin f h psdd chck llw h Crdi Unin rsnbl im c n i. If nificin is prvidd rlly, i mus b fllwd up in wriing h Crdi Unin nd signd by pry n h ccun wihin 14 dys, r such nificin will b rndrd null nd vid. h nificin is vlid fr prid f six mnhs unlss h Crdi Unin is nifid in wriing by pry n h ccun rqusing n xnsin. Ohrwis, yu gr h w will n hv ny duy discvr r cmply wih psdd, incmpl r cndiinl ims. k. Any pry uhrizd sign n n ccun gurns h signur f h hr ndrs chcks fr dpsi if hy r pybl ny pry. hs righs xis irrspciv f wh cnribud funds h ccun. Similrly, h Crdi Unin my nfrc libiliy fr chcks drwn n nn-sufficin funds, uncllcd funds r gins clsd ccun gins ny pry h ccun individully. Nic prvidd by h Crdi Unin ny pry is nic ll. l. his ccun cn b clsd by ihr yu r h Crdi Unin ny im, fr ny rsn whsvr, by nic in wriing. A cnvninc signr cnn cls h ccun. Such clsur will n rls yu frm ny fs r hr bligins incurrd bfr h clsur, hs yu incur in h prcss f clsing yur chcking ccun, r frm yur libiliy n usnding ims. All pris r jinly rspnsibl nd gr hld h Crdi Unin hrmlss fr ny rurn im which rsuls frm clsing h ccun, r h rnsfr r wihdrwl f such funds. m.yu gr h h Crdi Unin will n hv ny duy discvr r cmply wih incmpl r cndiinl ims nd h i my disrgrd ny infrmin n ny chck r drf hr hn h mun f h im, ny mgnic ncdd infrmin nd signur f h drwr. n. If yu vlunrily prvid yur ccun numbr, chck numbr, nd/r ny hr infrmin rgrding yur ccun hird pry, 23. N su i U O y r p n f d su x i b p f fr m r In r n c v un pr c O h C in f v pr h r c w b fr n

25 . s s. s r, ihr vrblly r in wriing (rnscins gvrnd by h Elcrnic Fund rnsfr Ac mus b uhrizd in wriing), h Crdi Unin my chrg gins yur ccun ny chck, drf r hr insrumn prsnd fr pymn rsuling frm yur prviding such infrmin vn if h rnscin is n hrwis prprly uhrizd.. h Crdi Unin rsrvs h righ wiv h nfrcmn f ny f h rms f his grmn wih yu wih rspc ny rnscin r sris f rnscins. Any such wivr will n ffc h righ f h Crdi Unin nfrc ny f is rms nd cndiins wih rspc hr ccun hldrs r mmbrs f his Crdi Unin, r nfrc ny f is prvisins wih rspc subsqun rnscins wih yu. Nn-Sufficin Funds: If ny im is prsnd fr pymn fr which sufficin funds r n vilbl, f my b impsd ihr if h im is rurnd nn-sufficin funds (NSF), Uncllcd Funds (EOD UNF F), r if i is pid nd cuss ngiv blnc in yur ccun. Ovrdrf nd Ovrdrf Prcin: Yu gr minin funds in yur ccuns ll ims sufficin py ny wihdrwl rdr (whhr rl, wrin, r hrwis) r im prsnd fr pymn gins h pplicbl ccun (including Crdi Unin srvic fs). W r undr n bligin py ny im h mun f which xcds h blnc f h ccun upn which h im ws drwn. In h vn h w d py ny such im, w will n wiv ur righ dishnr ny subsqun ims prsnd. If w d py n im, h mun f which xcds h blnc in h ccun upn which i is drwn, r if ny im dpsid yur ccun is subsqunly rurnd nd chrgd bck yur ccun cring n vrdrf, yu gr immdily py us h mun by which h ccun is vrdrwn ghr wih ny fs which w my ssss. Yu ls uhriz us dduc ny vrdrf frm yur nx dpsi (including dirc dpsi f scil scuriy r hr gvrnmn bnfis), wihhld r rnsfr funds frm ny hr ccun, n including n IRA ccun, which yu r pry in muns sufficin cvr ny vrdrf, r us ny hr cllcin rmdy vilbl us by lw. In h vn yu wri chck r k ny hr cin which wuld rsul in n ccun bcming vrdrwn, nd if yu hv rqusd nd bn pprvd fr umic vrdrf prcin, such chck r cin kn shll b dmd b rqus by yu us rnsfr vilbl funds frm yur shr ccun(s) nd/r mk n dvnc undr yur prpprvd Chcking Lin Of Crdi. Ovrdrf prcin mks i pssibl fr ll uhrizd signrs n chcking ccun ccss funds in vry ccun lisd n h Chcking Ovrdrf Prcin Agrmn. rnsfrs up h vilbl funds in h shr nd/r chcking ccun(s), nd/r dvncs frm h Chcking Lin Of Crdi up h crdi limi, will b md in incrmns f $ h xn w dm sufficin py h im, ghr wih ny srvic chrg w my imps. W will us ur bs ffrs rnsfr funds yur chcking ccun frm yur dsignd vrdrf prcin ccun(s), r mk n dvnc undr yur prpprvd Chcking Lin Of Crdi, in h mnnr in which yu hv dircd in yur grmn. If sufficin funds r n vilbl, r if h rnscin wuld xcd h rnsfr limis frm shr ccun impsd by FRB Rgulin D, hn ny such im prsnd will b rurnd h py du nn-sufficin funds, nd f will b chrgd yur ccun in such n mun s w my sblish frm im im. Ech pry ny f yur ccuns will b jinly nd svrlly libl fr vrdrfs cusd by ny hr pry r pris such ccun. 24

26 During ny smn prid yu my n mk mr hn six wihdrwls r rnsfrs frm yur Shr Accun nhr Crdi Unin Accun f yurs r hird pry by mns f pr-uhrizd r umic rnsfr r lphnic (including d rnsmissin) grmn, rdr, r insrucin. Ovrdrf prcin rnsfrs frm yur shr ccun r cund gins his limiin. If yu xcd his limi, yur Accun my b subjc f r clsur. Discrinry Ovrdrf Privilg my b rscindd. Discrinry Ovrdrf Privilg Plicy - GECU is n bligd py ny im prsnd fr pymn. Furhr, if yur ccun ds n cnin sufficin vilbl funds, nd ny discrinry pymn (r hr ngiin r prcssing) by GECU f ny nn-sufficin funds chck r chcks (r hr im), GECU is n bligd py ny ddiinl nn-sufficin funds chck r im r prvid prir nic f is dcisin rfus py ny ddiinl nn-sufficin funds chck r im. GECU shll cnsidr, s discrinry cursy nd n righ r bligin, pprving rsnbl vrdrfs if yur cnsumr ccun (primrily usd fr prsnl nd hushld purpss) is minind in gd snding, which shll includ, bu is n limid : A)Mking rgulr dpsis cnsisn wih yur ps prcics; B) Dpsiing n mun qul h mun f discrinry vrdrf privilg xndd yu r mr in yur ccun wihin ch hiry (30) dy prid nd bringing yur ccun blnc psiiv blnc wihin vry hiry (30) dy prid; C) Yu r n in dful n ny ln r hr bligin GECU; nd D)Yu r n subjc ny lgl r dminisriv rdr r lvy. A h discrin f GECU, h privilg fr cnsumr chcking ccuns shll gnrlly n xcd $300 mximum (ngiv) blnc, including ny nd ll pplicbl nn-sufficin funds/vrdrf fs s s frh undr h Mmbr Srvics F Schdul scin f h rms nd Cndiins. h fs nd ch pid chck r im will b includd in his limi. All chcks wrin by yu r prcssd by GECU in squnil rdr nly. Ohr rnscins, such s AM wihdrwls, in-prsn wihdrwls, dbi crd rnscins, pruhrizd umic dbis, lphn-iniid rnsfrs r hr lcrnic rnsfrs will b prcssd in h rdr in which hy r rcivd. Pls b wr h h rdr in which rnscins r rcivd nd prcssd my ffc h l mun f vrdrf fs incurrd by yu. GECU my chrg mr hn n vrdrf f gins yur ccun pr dy, dpnding n h numbr f chcks prsnd n, nd hr wihdrwls md frm, yur ccun. Spcificlly, fs shll pply vrdrfs crd by chck, in-prsn wihdrwls, AM wihdrwls r hr lcrnic mns s pplicbl. h l f h discrinry vrdrf privilg (ngiv) blnc, including ny nd ll fs, including ll nn-sufficin funds/vrdrf fs, is du nd pybl upn dmnd, nd yu nd ny pry uhrizd sign n his ccun will cninu b libl, jinly nd svrlly, fr ll such muns, s dscribd in h rms nd Cndiins. Agin, pprvl f pymn f rsnbl vrdrfs by GECU n ccuns in gd snding (s dscribd bv) is nly discrinry cursy, nd n righ r bligin, is wihin GECU s sl nd bslu discrin, nd cn cs ny im wihu prir nic, rsn r cus. GECU ffrs h discrinry vrdrf privilg srvic s cnvninc mmbrs fr incidnl vrdrfs. W d n ncurg yu rpdly vrdrw yur ccun. W ncurg yu mng yur finncs rspnsibly. Yu my p-u f h discrinry vrdrf 25 p G Y fu 9 P W c r r fr Y d r b h in u * m f h y * li P sh in C l u

27 s s k ; g r r d r s s, r privilg srvic ny im by nifying GECU vrblly r in wriing. GECU my rquir h ny vrbl p-u b cnfirmd in wriing. Yu undrsnd h by ping-u f his srvic, GECU my rfus py ny chck r im h is prsnd gins n insufficin blnc n yur ccun nd yu will b rspnsibl fr ny nn-sufficin funds/rurnd im fs. Yu r sill rspnsibl py ny vrdrf vn if yu hv pd-u f h srvic. rqus rmvl f his pinl srvic frm yur chcking ccun cll GECU Cll Cnr r ll fr GECU. Pymn f vrdrfs fr AM nd vrydy dbi crd rnscins - W d n uhriz nd py vrdrfs fr AM nd vrydy dbi crd rnscins unlss yu sk us. AM nd n-im crd rnscins rquir mmbr p-in using h mhds w rquir in rdr fr h Crdi Unin xrcis is discrin undr his prvisin py hs priculr rnscin yps. Furhr, ny wnr my mk rquss fr srvics r mk lcins rling ny mulipl pry ccun; nd such rquss r lcins shll b binding upn ll wnrs. If yu wn us uhriznd py vrdrfs n AM nd vrydy rnscins, cll GECU Cll Cnr r ll fr GECU. Yu my rvk yur cnsn fr h pymn f vrdrfs n AM nd dbi crd rnscins ny im by nifying us. W will discninu h pymn f such vrdrfs s sn s pssibl fr rciving nic f yur rvcin. h mngmn f yur ccun vid vrdrwing h vilbl blnc(s) is h bs wy vid h css sscid wih vrdrfs. h fllwing bl cmprs css f vrdrwing yur ccun using h vrius pins vilbl mmbrs f h Crdi Unin. his infrmin is bing supplid ssis yu in undrsnding h css sscid wih ur Discrinry Ovrdrf Privilg Plicy nd undrsnd hr pins my b vilbl yu.* Aumic rnsfr Chcking Discrinry frm Shr Lin f Ovrdrf Accun Crdi Privilg rnscin F $0 $0 $29.50 Inrs $0 $1.33** $0 NSF F $0 $0 $0 Ovr Limi F $0 $0 $0 *h lin f crdi pin is n vilbl ll mmbrs. Mmbrs mus qulify fr h lin f crdi. Nrml crdi undrwriing sndrds fr h lin f crdi prduc r usd in drmining h vilbiliy f his pin fr mmbrs nd n pplicin is ndd if yu drmin yu wuld lik us his pin. **h inrs pid will vry ccrding h blnc uilizd n h lin f crdi. h Annul Prcng R (APR) fr h Ovrdrf Prcin Lin f Crdi is 16% nd is subjc chng. h mun shwn s inrs in h bl is bsd n h ssumpin yu hv n usnding blnc f $ fr 30-dy prid using h APR indicd in his dscripin. Yur cul inrs chrg will vry bsd n h cul usnding blnc yu hv during ch billing cycl. Chckbk Missing: Pls cnc us immdily if yur chcks r ls r sln. W will plc wrning sus n yur ccun nd rdr nw supply f chcks, r if ncssry, cls h ccun nd, upn Crdi Unin pprvl, pn nw ccun. 26

28 Sp Pymn: Yu my sp pymn f ims drwn n yur ccun. Yu gr hld us hrmlss frm ny clim, lss, dmg r xpns incurrd, including rnys fs, by viru f ur rfusing pymn f ny im n which yu hv sppd pymn, s wll s fr pymn f ny im fr yur sp pymn rdr hs xpird. A sp pymn rdr will b ffciv fr six mnhs nd my b rnwd upn rqus md in wriing us unlss h Aumd Clring Hus (ACH) im is subjc h cndiins sd in Rgulin E. A sp pymn rdr, rnwl r rvcin shll n b ffciv unil w hv hd rsnbl ppruniy c n ny such rdr, rnwl r rvcin. A sp pymn rdr mus s h prcis mun, d, chck numbr, nm f py nd ny hr infrmin h w my rsnbly rquir. If h infrmin is n prvidd, w will n b rspnsibl if w r unbl sp pymn. Yu undrsnd h in sm css, n im my b pid vn if n rdr is in ffc. If h rdr is md rlly, i will nly b binding fr 14 clndr dys fr which i mus b rnwd in wriing. Yu undrsnd h Crdi Unin hs n rspnsibiliy nify yu whn sp pymn rdr xpirs r if rnwl is ndd. Any sp pymn rdr, rnwl r rvcin my incur f s s frh in h Mmbr Srvics F Schdul. Yu gr h w my hnr sp pymn rdr, rnwl r rvcin if md by h prsn wh signd h chck b sppd r ny hr prsn wh hs signd h grmn r is hrwis uhrizd rnsc businss rling h ccun. Yu gr h w will n b libl fr ny indvrn pymn f ny im, nwihsnding sp pymn rdr, if w hv usd rdinry cr nd fllwd ur usul prcics in hndling such n rdr. Yu my n sp pymn f cshir s chcks r Crdi Unin chcks issud by us yur rqus. If n im is indvrnly pid vr vlid sp pymn rdr, du ur filur xrcis rdinry cr, w will b libl yu fr ny lss yu suffr s rsul. Yu gr h i will b yur rspnsibiliy sblish ny such lss. Yu gr h w will nvr b libl fr mr hn yur cul lss, nd w will n b libl fr ny cnsqunil dmgs. If w d r-crdi yur ccun fr pying n im vr vlid sp pymn rdr, yu gr k whvr cin w dm ncssry rnsfr us ll f yur righs gins h py r hldr f h im nd ssis us if w k lgl cin gins h py r ny hr prsn. In h vn h yu insruc us sp pymn f crin pruhrizd dbis, yu cknwldg nd gr h, ur pin, w my sp pymn f ll pruhrizd dbis frm yur ccun if w dm h cin ncssry nsur h yur sp pymn rdr will b ffciv. Yu ls cknwldg nd gr h w will n b libl fr ur filur sp pymn f fuur pruhrizd dbis, nwihsnding yur sp pymn rdr, if ur filur is cusd in whl r in pr by h cins f h py. Fr ddiinl infrmin cncrning yur righ sp pymn f pruhrizd lcrnic fund rnsfrs, pls rfr h Elcrnic Fund rnsfr Srvics Iniil Disclsur scin in his brchur. Rrdring Chcks: Ech rdr f chcks will includ cnvnin rrdr frm. h frm cnins ll h prinn infrmin ncssry prcss yur rrdr. Chck h quniy dsird nd cvr chic (if ndd) nd rurn h frm us. h cs f h prind chcks will b dducd frm yur chcking ccun fr yu hv rdrd yur nw chcks. B sur nr his mun in yur rgisr immdily nd dduc i frm yur blnc. Chcking Accun Smn: Ech mnh smn f ccun will b gnrd nd dlivrd h ms currn miling ddrss (r -mil ddrss if yu hv lcd lcrnic smns) w hv n rcrd fr yur ccun. If w r wr h ddrss n rcrd is n ccur, w will gnr h smn f ccun, bu i will b rind by h Crdi Unin unil rqusd by n uhrizd signr fr h ccun. 27 Y y w u S il D I U A ON A R A R r w g il I y w i p i i i s hm j w F r b r w y m p U p

29 r.. f y l il, Yur smn f ccun will cnin imprn infrmin bu yur chcking ccun. Yu mus rpr ny prblm r rrr wih n ccun smn wihin 60 dys fr h smn is sn yu, r w will n b libl fr ny such prblm r rrr including ny frgd, unuhrizd r missing signur r ndrsmn, ny mril lrin, ny missing r divrd dpsi, r ny hr rrr r discrpncy. Spcil prvisins my pply if rrrs r discrpncis in yur smn invlv yur lin f crdi r ny lcrnic fund rnsfr. Rfr yur ln dcumns nd/r h Elcrnic Fund rnsfr Srvics Iniil Disclsur scin in his brchur. CONAC US IF YOU DO NO RECEIVE YOUR SAEMEN! I IS YOUR RESPONSIBILIY O IMMEDIAELY NOIFY US IF YOUR REGULARLY SCHEDULED SAEMEN OF ACCOUN IS NO RECEIVED WIHIN 15 DAYS OF HE END OF IS SAEMEN CYCLE. FAILURE O NOIFY US OF NON-RECEIP OF A SCHEDULED SAEMEN OF ACCOUN MAY RESUL IN LIMIAION OR LOSS OF RECOURSE BY YOU SHOULD A PROBLEM BE DISCOVERED A A LAER DAE. RESEARCH, LEGAL PROCESS AND ADVERSE CLAIMS h xn n prhibid by pplicbl lw, yu will b chrgd fr rsrch, rprducin nd prducin f dcumns fr ur cmplinc wih subpns, dminisriv rdrs, summnss, cur rdrs, lvis, grnishmns, chmns r hr lgl prcsss nd ny hr xpnss incurrd by us in cnncin wih ur cmplinc, including bu n limid rnys fs. In h vn ny cin, including dminisriv prcdings, grnishmn, x lvis, rsrining rdrs r hr cin is brugh gins yu r yur ccun, yu gr prc us frm ny libiliy r xpns which my rsul frm h cin. h Crdi Unin is n libl fr ny lss s rsul f yur nglignc r h f nhr finncil insiuin. If w suspc h fruduln miscnduc is r hs kn plc wih rspc ny ccun, r if w r nifid h pry n ccun hs did r is incmpn mng his r hr ffirs, r if w hv bn nifid h dispu xiss bwn r mng pris h ccun r hird pris wih rgrd hir rspciv inrss in h ccun, r if hr r cmping clims funds n dpsi, r if w r in dub cncrning h rspciv inrss f ny pris n ccun, w my rsric wihdrwls frm h ccun unil w r sisfid h ny bligin w my hv lw nd undr his grmn hs bn m r unil ny such dispu, dub, suspcd fruduln miscnduc r prb mr hs bn rslvd by cur f cmpn jurisdicin r by wrin slmn grmn nrd in by ll pris h ccun nd ny hird pry mking clim funds in ny such ccun. Yu gr h w my rcvr ny rnys fs r css xpndd in cnncin wih h frging, nd yu uhriz us wihdrw ny such fs r css frm ccuns yu minin wih us. Furhr, in h vn h w fil sui nfrc his Agrmn r ny righ w my hv in ny ccun, r in h vn h ny cin is brugh in cnncin wih ny such ccun, w shll b nild rcvr rsnbl rnys fs nd css xpndd in cnncin wih ny such prcding. W hv h righ py ny mny frm yur ccun h is du r rquird by lw vn if i rsuls in n vrdrf r rducs yur ccun h pin whr w rurn n r mr ims fr nn-sufficin funds. Grnishmns gins ny jin pry r cmbinin hrf n jin ccun r subjc h Crdi Unin s righ f sff nd scuriy inrs. W r n rspnsibl fr pymn r nn-pymn f ny im fllwing rminin f ny 28

30 ccun; hwvr, yu gr py us fr ims yu wr r uhrizd nd which wr prcssd fr h ccun ws clsd. In h vn n umic sy is in ffc s rsul f bnkrupcy r hr lgl prcding, yu gr h GECU will n b libl if w cninu prcssing ny umic ln pymns yu hv uhrizd unil w hv bn nifid in wriing, which im, pymns will cs. Vlunry umic pymns my b rinsd upn wrin uhrizin by yu, yur rny, r h bnkrupcy cur. If chck h hs bn dpsid yur ccun, r cshd by yu n h bsis f yur grmn wih h Crdi Unin, is rurnd bsd n brch f rnsfr wrrny, prsnmn wrrny r hrwis, yu gr h h Crdi Unin my chrg bck h mun f h im yur ccun. DOCUMEN IMAGING Yu cknwldg nd gr h h Crdi Unin, is pin, my chs cr nd rin lcrnic cpis f yur riginl Accun rcrds nd ny hr rcrds, nd hrfr disps f h riginls. Yu furhr gr h lcrniclly scnnd r srd imgs f Accun rcrds will hv h sm ffc s h riginl rcrds. POWER OF AORNEY Yu gr h w shll b undr n bligin rcgniz nd hnr ny Pwr f Arny h uhrizs smn dl wih yur ccun n yur bhlf. rnscins invlving cusdil Accuns, such s wihdrwls, dpsis, nd invsmn chngs, my b md by n gn duly uhrizd pursun durbl pwr f rny lglly nfrcbl undr pplicbl lw if such pwr f rny uhrizs such rnscins, xcp h w will n ccp h us f pwr f rny ffc chngs ny bnficiry dsignins. FACSIMILE RANSMISSION Yu gr h w my cnduc rnscins by lcrnic mns nd ny dcumn rnsmid by fcsimil mchin shll b fully binding nd nfrcbl nd hv ffc f n riginl fr ll lgl purpss. Yu gr h fcsimil rnsmissin f yur riginl signur shll cnsiu yur riginl signur fr ll lgl purpss. Furhr, yu gr h h Crdi Unin s rcip f fcsimil rnsmissin f n xcud prmissry n shll cnsiu dlivry f h n undr h xs Businss nd Cmmrc Cd. Yu gr mil r hrwis dlivr h Crdi Unin ny xcuiv riginl ln dcumn in n mr hn w dys fr yu hv rnsmid h dcumn by fcsimil. Yu furhr gr h yur filur mil r dlivr h xcud riginl ln dcumn h Crdi Unin s prvidd hrin shll cnsiu dful undr h pplicbl ln grmn r, if h ln hs n y bn fundd shll rls h Crdi Unin f is bligin fund h ln. RESRICIONS OR ERMINAION OF CREDI UNION SERVICES If ny mmbr cuss lss, r mks knwn his inn cus lss, h Crdi Unin, misrprsns him/hrslf by mking fls r mislding smns in ny crdi pplicin r prsnl infrmin rqusd by h Crdi Unin, r is busiv in cnduc wih rgrd mplys r prpry f h Crdi Unin, h Crdi Unin rsrvs h righ limi, rsric r rmin srvics r mmbrship bnfis nd privilgs up, nd including, xpulsin f h mmbr frm h Crdi Unin. his sm righ will b nfrcd if ny cnduc by h mmbr plcs h Crdi Unin s mplys, funds r prpry in jprdy nd/r is in vilin f h Crdi Unin s Mmbr Cnduc Plicy rgrding unccpbl mmbr cnduc. 29 s c w I A l W C Y h f u y Y f W c y i i G n i r i G A f s i F n d i i i

31 n n r l. l, s h Crdi Unin my cls n ccun ny im nd disburs funds n dpsi in ny such ccun h wnrs f h ccun r in sisfcin f ny bligin wing us, in ny mnnr w dm pprpri, if w bliv h w my suffr lss if h ccun is n clsd r w bliv h h vlum f ccun civiy xcds h which w cn rsnbly nd sfly prcss. IMPORAN INFORMAION ABOU OPENING NEW ACCOUNS hlp h gvrnmn figh h funding f rrrism nd mny lundring civiis, fdrl lw rquirs ll finncil insiuins bin, vrify, nd rcrd infrmin h idnifis ch prsn wh pns n ccun. WHA HIS MEANS FOR YOU - Whn yu pn n ccun, w will sk yur nm, ddrss, d f birh, nd hr infrmin h will llw us idnify yu. W will ls sk s yur drivr s licns r hr idnifying infrmin. CREDI AND EMPLOYMEN HISORY Yu uhriz h crdi unin chck yur crdi nd mplymn hisry, rqus nd rviw yur crdi rpr bh nw nd in h fuur in rdr cnsidr yu fr ccun srvics nd fuur crdi unin ffrs, nd nswr qusins bu is crdi xprinc wih yu. Yu ls uhriz us rqus nd us crdi rprs whn cnsidring ny pplicin pn n Accun r ny pplicin fr rld finncil srvics. h Crdi Unin hs h righ rpr infrmin bu yur ccun nd/r h clsing hrf ny cnsumr rpring gncy r nyn yu giv ur nm nd ddrss s rfrnc. W my rpr infrmin bu yur shr nd ln Accuns crdi burus. L pymns, missd pymns, r hr dfuls n yur Accuns my b rflcd in yur crdi rpr. If yu bliv h infrmin w hv rprd r my rpr crdi buru is inccur r incmpl, pls nify us in wriing GECU, An: GECU Cll Cnr, P.O. Bx 20998, El Ps, X Includ yur nm, ddrss, hm lphn numbr nd Accun numbr nd idnify h infrmin yu bliv is incrrc. If yur nificin rls n incidn f idniy hf, w will rquir cpy f yur idniy hf rpr fild wih lw nfrcmn uhriis. GOVERNING LAW his grmn shll b gvrnd by h xs Crdi Unin Ac, pplicbl Ruls nd Rgulins f h Ninl Crdi Unin Adminisrin, h Crdi Unin s Bylws, plicis nd prcdurs s mndd frm im im, nd, slly h xn n prmpd by fdrl lws nd/r h lws f h S f xs. Yu cquisc nd submi prsnl jurisdicin in h S f xs. Vnu is prpr in El Ps Cuny, xs. FUNDS AVAILABILIY POLICY h rm "rnscin Accuns" includs ll chcking ccuns. Ohr ccuns such s shr ccuns nd Shr Crific ccuns r n cvrd by his plicy. W my dly h vilbiliy f funds dpsid in nn-rnscin ccuns nd frign chck ims drwn in U.S. r frign currncy fr lngr prids. Pls sk n mply if yu shuld hv qusin bu h vilbiliy f funds dpsid in ny f yur Accuns. h Expdid Funds Avilbiliy Ac nd FRB Rgulin CC rquir ll finncil insiuins mk funds dpsid in rnscin ccuns 30

32 vilbl fr wihdrwl wihin spcifid im prids nd discls hir Funds Avilbiliy Plicis hir dpsirs. In ms css, ur plicy is mk funds frm yur dpsis vilbl yu h im w rciv yur dpsi. Elcrnic dirc dpsis will b vilbl n h slmn d unlss hrwis dicd by gvrning rgulins. A h im, yu cn wihdrw h funds in csh nd/r w will us h funds py chcks h yu hv wrin r fr wihdrwls lrdy md gins h ccun, such s frm n AM r hrugh GECU SmrLin. If yu lv dpsi in h nigh dpsiry fr 2:00 pm Mndy hrugh Fridy, w will cnsidr h dpsi md n h nx businss dy. Dpsis lf fr 10:00 m Surdy will b psd h fllwing Mndy r nx businss dy. Dpsis lf GECU AM vi nvlp Mndy hrugh Fridy fr 2:00 pm will b psd h nx businss dy. hs lf fr 10:00 m n Surdy, r ny im n Sundy r hlidy will b psd h fllwing Mndy r nx businss dy. Dpsis lf n umd dpsi king GECU AM Mndy hrugh Fridy bfr h cu-ff im f 7:00 pm will b cnsidrd rcivd h sm businss dy nd my n b immdily vilbl fr wihdrwl. Dpsis lf n umd dpsi king GECU AM Mndy hrugh hursdy fr h cu-ff im f 7:00 pm will b cnsidrd rcivd h nx businss dy nd my n b immdily vilbl fr wihdrwl. hs lf fr 7:00 pm n Fridy, ny im n Surdy, Sundy r hlidy will b cnsidrd rcivd h fllwing Mndy r nx businss dy nd my n b immdily vilbl fr wihdrwl. Fr drmining h vilbiliy f yur dpsis, vry dy is businss dy xcp Surdys, Sundys nd fdrl hlidys. Dpsis md vi Mbil Dpsi Mndy hrugh Fridy bfr cu-ff im f 8:00 pm will b cnsidrd rcivd h sm businss dy nd my n b immdily vilbl fr wihdrwl. Dpsis md vi Mbil Dpsi Mndy hrugh Fridy fr h cu-ff im f 8:00 pm will b cnsidrd rcivd h nx businss dy nd my n b immdily vilbl fr wihdrwl. hs md n Surdy fr 2:00 pm, ny im n Sundy, r hlidy will b cnsidrd rcivd h fllwing Mndy r nx businss dy nd my n b immdily vilbl fr wihdrwl. hr r n limiins h numbr f ims yu my dpsi vi Mbil Dpsi; hwvr h fllwing limis pply: $1,000 pr chck, $3,000 pr dy, $5,000 in 30-dy rlling prid. Lngr Dlys My Apply: In sm css, w will n mk ll funds yu dpsi by chck vilbl yu h im f yur dpsi. Dpnding n h yp f chck yu dpsi, funds my n b vilbl unil h scnd businss dy fr h dy f yur dpsi. Hwvr, nrmlly ls h firs $ will b vilbl yu h firs businss dy fllwing h businss dy yu mk h dpsi. If w r n ging mk ll funds frm yur dpsi vilbl immdily, w will nify yu h im yu mk yur dpsi. W will ls ll yu whn h funds will b vilbl. If yur dpsi is n md dircly n f ur mplys, r if w dcid k his cin fr yu hv lf h prmiss, w will mil yu h nic by h firs businss dy fr w rciv yur dpsi. If yu will nd h funds frm dpsi righ wy, yu shuld sk us whn h funds will b vilbl. In ddiin, funds yu dpsi by chck my b dlyd fr lngr prid undr h fllwing circumsncs: w hv rsn bliv chck yu dpsi will n b pid; yu r nw mmbr nd h spcil nw ccun ruls pply during h firs 30 dys yur ccun is pn; yu dpsi chcks ling mr hn $5,000 n ny n dy; yu rdpsi chck h hs bn rurnd unpid; 31

33 yu hv vrdrwn yur ccun rpdly, n six r mr businss dys, in h ls six mnhs; hr is n mrgncy, whil n inclusiv, such s filur f cmmunicins r cmpur quipmn. W will nify yu if w dly yur biliy wihdrw funds fr ny f hs rsns, nd w will ll yu whn h funds will b vilbl. hy will gnrlly b vilbl n lr hn h svnh businss dy fr h dy f yur dpsi. Spcil Ruls Fr Nw Accuns: If yu r nw mmbr, r if yu d n currnly hv GECU ccun r hv n hd n wihin h ps 30 clndr dys, h fllwing spcil ruls will pply during h firs 30 dys yur ccun is pn: Funds frm csh, wir rnsfrs nd lcrnic dirc dpsis will b vilbl n h slmn d unlss hrwis dicd by gvrning rgulins. h firs $5,000 f dy s l dpsis f Unid Ss Psl Srvic mny rdrs nd U.S. rsury, Fdrl Rsrv Bnk, Fdrl Hm Ln Bnk, cshir s, crifid, llr s, rvlrs nd s nd lcl gvrnmn chcks will b vilbl immdily if h dpsi ms crin cndiins. Fr xmpl, h ims mus b pybl yu nd dpsid in yur ccun. If yur dpsis f hs chcks (hr hn U.S. rsury chcks) is n md in prsn n f ur mplys, h firs $5,000 will n b vilbl unil h scnd businss dy fr h dy f yur dpsi. h xcss vr $5,000 will b vilbl n h sixh businss dy fr h dy f yur dpsi if rigind frm lcl finncil insiuin; h xcss frm ll hrs will b vilbl n h ninh businss dy fr h dy f yur dpsi. Funds frm ll hr chck dpsis will b vilbl n h fifnh businss dy fr h dy f yur dpsi. Dpsi funcinliy n umd dpsi king GECU AM r hrugh GECU Mbil will b vilbl n lr hn h 31s dy f yur mmbrship. Frign Chcks: Chcks drwn n finncil insiuins lcd usid h U.S. (frign chcks) cnn b prcssd h sm s chcks drwn n U.S. finncil insiuins. Frign chcks r xmp frm h plicis ulind in his disclsur. Gnrlly, h vilbiliy f funds fr dpsis f frign chcks will b dlyd fr h im i ks us cllc h funds frm h finncil insiuins upn which i is drwn. A frign chck, misknly ccpd s U.S. currncy fr dpsi, will n blig h crdi unin fr immdi crdi. Endrsmn Sndrds: Yu my n plc n ndrsmn, hr wriing r mrking n chck in h r rsrvd fr ur ndrsmn s prscribd in FRB Rgulin CC. Yu undrsnd h h riling dg f chck is dfind s h lf sid f h chck lking i frm h frn, nd h h r frm h riling dg f chck 1.5 inchs frm h riling dg f chck is rsrvd fr h py s ndrsmn. If yu plc ny ndrsmn, hr wriing r mrking usid f h r rsrvd fr h py s ndrsmn, yu gr hld us hrmlss frm ny lss r libiliy rising u f h rurn f h chck, r ny dly in frwrding r rurning h chck cusd by ny such misplcd ndrsmn, wriing r mrking. UNLAWFUL INERNE GAMBLING NOICE Rsricd rnscins, s dfind by Fdrl Rsrv Rgulin GG, r prhibid frm bing prcssd hrugh yur ccun. Rsricd rnscins gnrlly includ, bu r n limid, hs in which crdi, lcrnic fund rnsfrs, chcks, r drfs r knwingly ccpd by gmbling businsss in cnncin wih h pricipin by hrs in unlwful inrn gmbling. 32

34 IMPORAN INFORMAION ABOU Chck Clring fr h 21s Cnury Ac (Chck 21) Wh is Chck 21? Chck 21 (shr fr h Chck Clring fr h 21s Cnury Ac) is h lw h k ffc n Ocbr 28, I rquirs ll finncil insiuins ccp subsiu chcks s h lgl quivln f n riginl chck. Wh will i mn yu? h gl f his lw is imprv h fficincis f h nin s pymn sysms. his lw will ffc yu i ffcs chck wrirs rund h cunry, which is why i s s imprn yu rd his infrmin. his nic dscribs righs yu hv whn yu rciv subsiu chcks frm us. h righs in his nic d n pply riginl chcks r lcrnic dbis yur ccun. Why d ur nin s pymn sysms nd imprving? Afr yu wri chck, i physiclly rvls bwn mny finncil insiuins by ruck r pln bfr i s finlly clrd frm yur ccun. his css im nd mny. h bnfis f Chck 21. Chck 21 limins h nd rnspr yur riginl chck bcus i llws prind cpis f digil img f yur riginl chck, ls knwn s subsiu chck, b lglly ccpd. h mns finncil insiuins cn nw mk digil cpy f yur chck nd lcrniclly snd i bwn finncil insiuins, sving im nd mny. Wh is subsiu chck? A subsiu chck is digiizd img f n riginl chck. Subsiu chcks r similr in siz riginl chcks wih slighly rducd img f h frn nd bck f h riginl chck. h frn f subsiu chck ss: "his is lgl cpy f yur chck. Yu cn us i h sm wy yu wuld us h riginl chck." Yu my us subsiu chck s prf f pymn jus lik h riginl chck. Ar ll finncil insiuins rquird lcrniclly rnsfr chcks? N, bu mny will d s nw h h lw is in ffc. h mns chcks will b prcssd fsr. If yu r usd hving fw dys bwn h dy yu wri yur chck nd h dy h chck clrs yur ccun, kp in mind h culd b rducd. Yur chck culd nw clr lms insnly. Will GECU rnsfr chcks lcrniclly? N fr h im bing, bu yu my b ffcd bcus hr finncil insiuins will, which mns w my sr rciving subsiu chcks in plc f riginl chcks vr h nx fw mnhs. If h finncil insiuin cnvrs yur chck digil img, hy will snd h lglly ccpbl subsiu chck in is plc. Alhugh w dn snd riginl chcks mmbrs in hir mnhly smns, yu my b impcd whn yu rqus cpy f cnclld chck. If h riginl chck wsn sn GECU, w will hv subsiu chck in is plc. Wh r my righs rgrding subsiu chcks? In crin css, fdrl lw prvids spcil prcdur h llws yu rqus rfund fr lsss yu suffr if subsiu chck is psd yur ccun (fr xmpl, if yu hink h w wihdrw h wrng mun frm yur ccun r h w wihdrw mny frm yur ccun mr hn nc fr h sm chck). h lsss yu my mp rcvr undr his prcdur my includ h mun h ws wihdrwn frm yur ccun nd fs h wr chrgd s rsul f h wihdrwl (fr xmpl, buncd chck fs). 33 Y u I ( d ( d W l p H I u w b n Y C I p C s c L 8

35 . l s, l s h mun f yur rfund undr his prcdur is limid h mun f yur lss r h mun f h subsiu chck, whichvr is lss. Yu ls r nild inrs n h mun f yur rfund if yur ccun is n inrs-bring ccun. If yur lss xcds h mun f h subsiu chck, yu my b bl rcvr ddiinl muns undr hr lws. If yu us his prcdur, yu my rciv up $2,500 f yur rfund (plus inrs if yur ccun rns inrs) n mr hn 10 businss dys fr w rcivd yur clim nd h rmindr f yur rfund (plus inrs if yur ccun rns inrs) n lr hn 45 clndr dys fr w rcivd yur clim. W my rvrs h rfund (including ny inrs n h rfund) if w lr r bl dmnsr h h subsiu chck ws crrcly psd yur ccun. Hw D I Mk Clim fr Rfund? If yu bliv h yu hv suffrd lss rling subsiu chck h yu rcivd nd h ws psd yur ccun, pls cnc us by lphn (915) r (800) USA r wri us P.O. Bx 20998, El Ps, X Yu mus cnc us wihin 60 clndr dys f h d h w mild (r hrwis dlivrd by mns which yu grd) h subsiu chck in qusin r h ccun smn shwing h h subsiu chck ws psd yur ccun, whichvr is lr. W will xnd his im prid if yu wr n bl mk imly clim bcus f xrrdinry circumsncs. Yur clim mus includ: A dscripin f why yu hv suffrd lss (fr xmpl, yu hink h mun wihdrwn ws incrrc); An sim f h mun f yur lss; An xplnin f why h subsiu chck yu rcivd is insufficin cnfirm h yu suffrd lss; nd A cpy f h subsiu chck r h fllwing infrmin hlp us idnify h subsiu chck: h chck numbr h mun f h chck h d f h chck h nm f h prsn whm h chck is wrin COMPLAIN NOICE If yu hv prblm wih h srvics prvidd by his crdi unin, pls cnc us : (GECU) Crdi Unin, P.O. BOX El Ps, X , r ll Fr r *[email protected] h crdi unin is incrprd undr h lws f h S f xs nd undr s lw is subjc rgulry vrsigh by h xs Crdi Unin Dprmn. If ny dispu is n rslvd yur sisfcin, yu my ls fil cmplin gins h crdi unin by cncing h xs Crdi Unin Dprmn 914 Es Andrsn Ln, Ausin, xs , lphn Numbr: (512) , Wbsi: 34

36 MEMBER SERVICES FEE SCHEDULE Shr/Svings Accuns: Firs fur wihdrwls pr mnh... NO CHARGE* rnscin f fr ddiinl wihdrwls... $3.00 ch rnsfrs bwn ccuns GECU Cll Cnr prr ssisd rnsfrs (unlss mking pymn)... $3.00 ch GECU SmrLin, GECU Onlin Bnking nd AM rnsfrs... NO CHARGE Accun Clsing (if clsd wihin 180 dys f pning)...$20.00 *Firs fur wihdrwls r fr vr-h-cunr rquss nly. GECU ds n chrg f fr umd rnscins. Chcking Accuns: h fllwing Fs pply ll chcking ccuns Fr Sndrd Chcking Accuns Accun Minnnc...NO CHARGE Aciviy Chrg...NO CHARGE Fr Scnd Chnc Chcking Accuns Accun Minnnc...$15 pr mnh Aciviy Chrg...NO CHARGE Ovrdrf Prcin rnsfrs...no CHARGE Nn-Sufficin Funds Chrg (NSF)/Uncllcd Funds F (EOD UNF FEE) (including Ovrdrf Privilg)... $29.50 pr ccurrnc Accun Hisry vr-h-cunr r hrugh GECU Cll Cnr... $5.00 pr ccun rnsfr bwn ccuns GECU Cll Cnr prr ssisd rnsfrs (unlss mking pymn)...$3.00 pr rnsfr Accun Hisry using GECU Onlin Bnking...NO CHARGE Chck Cpy (firs w fr pr smn)...$2.00 pr chck r $20.00 pr hur whichvr is lss Mild Chcking Accun Smn...$1.00 pr smn Chcking Accun Smn Cpy...$5.00 pr smn Chck Ordr... Rs vry Accun Clsing (if clsd wihin 180 dys f pning)... $20.00 Mny Mrk Accuns: Accun Minnnc Avrg Dily Blncs f $2,500 nd vr...no CHARGE Avrg Dily Blncs blw $2,500...$10.00 pr mnh Wihdrwls Mximum f six wihdrwls...no CHARGE Mild Mny Mrk Accun Smns...$1.00 pr smn GECU AM/GECU Dbi Crds: Annul Crd Rnwl...NO CHARGE Crd Dsign Opins: El Ps Infrmin Highwy...NO CHARGE El Ps Dsr...NO CHARGE El Ps Chihuhus**... $5.00 Crd Rplcmn F... $5.00 Mnry rnscins GECU AMs...NO CHARGE AM Srvic Chrg: rnscins Nn-GECU AMs... $1.00 pr rnscin* Dnid rnscins: GECU AMs...NO CHARGE Nn-GECU AMs...$1.00 pr mp* Pin-f-Sl rnscins (POS)...NO CHARGE Nn-Sufficin Funds Chrg (NSF)...$29.50 ch rnscin AM Blnc Inquiry...NO CHARGE Inrninl rnscin F...1% f rnscin mun * Plus ny mchin usg f chrgd by h wnr f h AM; his f will b disclsd h im f h rnscin. ** Or ny hr spcil crd dsign, whn ffrd. 35

37 Accun Infrmin: Clls GECU SmrLin... NO CHARGE Excss Inquiry F: lphn inquiris fr infrmin vilbl hrugh GECU SmrLin...1 n chrg pr mnh pr ccun, hrfr $3.00 pr cll Miscllnus: Elcrnic Csh Mngmn (ECM) F (cnsumr rnscins)...$10.00 GECU Cshir s Chcks... $2.00 ch Dclrin f Lss n GECU Cshir s Chcks... $25.00 ch Mny Ordrs... $2.00 ch Amricn Exprss rvlrs Chcks: Singl Signur chcks...1% f purchs w Signur chcks...1.5% f purchs Rurn Chck Chrg (chck rurnd unpid)... $15.00 pr chck Shr r CD Accun Smn Cpy...$5.00 pr ccun Shr r CD Accun Hisry Cpy vr-h-cunr r hrugh GECU Cll Cnr...$5.00 pr ccun Rsrch F... $20.00 pr hur Nry f Acknwldgmn...$6.00 fr firs signur; $1.00 fr ch ddiinl signur n sm dcumn Jur...$6.00 pr signur, including h r ffirmin Crifid Cpis...$6.00 pr crific All Ohr Nril Acs... $6.00 ch Cpis f Nril Rcrds...50 pr phcpy pg Nry Srvics fr Nn-Mmbr...N lngr vilbl Ln Dcumnry F...$35.00 Lrs: Pyff, Pyff Cnfirmin, Hm Equiy Cnfirmin, Hm Imprvmn Cnfirmin...$5.00 rvl r Blnc Lr...$2.00 Wir rnsfrs Dmsic (Ouging)...$15.00 Signur Gurn...$5.00 Cin Cun... 8% f l, n minimum; fr fr Yuh Accuns Wsrn Unin Cmmrcil Mny Ordrs (CMOs): vi Clys Crpr FCU (bfr 3:30 p.m., Mn Fri)...$12.50 vi Wsrn Unin (3:30 p.m. 5:00 p.m., Mn Fri; 9:00.m. 12:00 nn, S)...Bsd n mun FAX Srvic: In-wn...$5.00 fl f Ou-f-wn (1 s pg)...$5.00 Addiinl pgs...50 ch pg Mil Srvic...$5.00 fl f Sf Dpsi Bxs (Lcd Viscun Offic nly) S-up...$10.00 NSF fr L Aumic Pymn...$27.50 pr ccurrnc 3 x 5 x 22...$18.00 pr yr 3 x 10 x 22...$30.00 pr yr 5 x 10 x 22...$48.00 pr yr 10 x 10 x 22...$84.00 pr yr Sp Pymn F...$29.50 pr ccurrnc h Crdi Unin rsrvs h righ chng h Mmbr Srvics F Schdul ny im subjc dvnc nic s my b rquird by pplicbl lw. 36

38 Ns

39 Ns

40 Rv. 11/14 Fdrlly Insurd by NCUA

41 GECU Addndum Jnury 2015 INSRUCIONS: his ddndum is incrprd in nd bcms pr f yur rms nd Cndiins ffciv immdily unlss sd hrwis hrin. Pls kp his chd yur rms nd Cndiins. Pg 7 l. Bump Up: his Crific is fr fixd rm (drmind ccun pning) nd cnins n pin incrs h inrs r n h Crific. h us f n pin during h rm f h Crific ngs h righ f ny hr pry xrcis h pin during h sm rm.* h r vilbl will b h currn r in ffc fr h sm yp Crific n h dy h rqus is md. Inrs will bgin ccru h nw r n h dy fllwing h rqus nd his nw r will b in ffc unil h muriy f h Crific. h pry mking h rqus will b rquird mk his rqus in wriing. Unlimid dpsis my b dpsid ny im during h rm f h CD. * N: Spcil SmrSp/Sp-Up/Bump Up prmins my b ffrd h discrin f GECU. Disclsurs rgrding spcil Crific prmins will ppr n ccun dcumnin h im h Crific is pnd. Pg 30 h fllwing prgrph is rvisd s fllws: h rm "rnscin Accuns" includs ll chcking ccuns. Ohr ccuns such s shr ccuns nd Shr Crific ccuns r n dfind by rgulin s rnscin ccuns. W my dly h vilbiliy f funds dpsid in nn-rnscin ccuns nd frign chck ims drwn in U.S. r frign currncy fr lngr prids. If yur ccun is shr ccun r shr crific ccun, hn in ccrdnc wih Rgulin D, h Crdi Unin rsrvs h righ rquir svn dys wrin nic bfr yu wihdrw mny frm yur ccun. Pls sk n mply if yu shuld hv qusin bu h vilbiliy f funds dpsid in ny f yur Accuns. Pg 31 h fllwing prgrph is rvisd s fllws: Fr drmining h vilbiliy f yur dpsis, vry dy is businss dy xcp Surdys, Sundys nd fdrl hlidys. Hwvr, if yu mk dpsi fr ur cuff im n dy w r n pn r n dy w cls bfr h cuff im, w will cnsidr h dpsi ws md n h nx businss dy w r pn. Pg 36 h fllwing prgrph is rvisd s fllws: Miscllnus: Elcrnic Csh Mngmn (ECM) F (Cnsumr rnscins) Cll Cnr..$15.00 Aumd Phn. $5.00 Onlin $5.00 1