Account Link Funds Transfer Service. Account-to-Account Transfers between Texans Credit Union and other Financial Institutions

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1 Account Link Funds Transfer Service Account-to-Account Transfers between Texans Credit Union and other Financial Institutions Frequently Asked Questions Getting Started How do I sign up for this service? Signing up is simple. Just click the link that says "Transfer Between Financial Institutions" on the Transfers page of your Online Banking account. This will open a new window to the Account Link Funds Transfer Service. This action will also initiate an with subject line "TEXANS ACCOUNT LINK: Thank You for Registering" sent to the address associated with your current Online Banking Profile. The describes the remaining steps to complete the registration process by validating your address and agreeing to the Account Link Terms of Service. Why am I not presented the terms and conditions for the product when I log into the service for the first time? When you validate your address for the first time using the steps described in the message titled "TEXANS ACCOUNT LINK: Thank You for Registering," you are required to review the Account Link Terms of Service disclosure (aka: Online Funds Transfer Service Agreement). You can easily find this document on our Disclosures page. A link to this page is visible at the bottom of the main Texans webpage and throughout the Online Banking website. You may also view this info by clicking on the "Terms of Service" link once you are logged into Account Link. Your action of completing the registration process and subsequent use of the product indicates your acceptance of the Terms presented. If you do not accept and agree to all of the Terms, please do not complete the registration process and if at any time you wish to decline these Terms and discontinue your use of Account Link, you can unsubscribe by selecting that option under "Edit your profile" or if you prefer, by sending a registered or certified letter to Texans Credit Union, Attn. Online Banking Department, P.O. Box , Richardson, Texas When I clicked on the new link, why was I sent to a page saying that I need to update my address? Account Link requires an address in order to allow access to the service, to deliver critical communications to complete the registration process, for account verification and status of any requested transfers, etc. Because the address used by this service comes directly from your Online Banking profile, you will receive this response when this info is missing. To add this, go to the Self Service page after you have logged into the Texans website and click on the "Change Address" link. Once your Online Banking profile has been updated, simply go back to the Transfers page and click the "Transfer Between Financial Institutions" link again and you should be able to log into Account Link without issue.

2 I accessed Account Link for the first time, but I haven't received the initial registration yet. Where is it? While it is possible for the system to take as long as an hour to deliver this , the more typical cause of delayed or un-received messages is your own mailbox service. Depending on the configuration of your internet provider's server, messages like the ones sent by the Account Link system may be flagged as spam and sent to a "Junk" or similar folder. Some of the more restrictive settings on an -virus scanner can also prevent receipt of this message. If you have not received the initial welcome after two hours, you may have it resent by clicking on the "Edit Your Profile" link in the Account Link system, but if that does not resolve the problem, please contact the provider of your internet service for assistance. Why do I have to verify my external accounts? We do everything possible to protect your security and maintain the integrity of the payments network. The account verification procedures are double-check safeguards that help us make sure nobody sets up your accounts but you. Can I make changes to my account portfolio after the initial set-up? Answer: Absolutely. You can easily add accounts at any time as well as delete accounts from the Overview page by clicking on "Remove." The only accounts that you cannot delete are those associated with Texans Credit Union. How often will I have to go through the account verification process for the external accounts? For your protection, we'll ask you to complete the individual account verification process for each account you set up in the first session and for any accounts you add thereafter. Third party accounts (those which you do not personally own) are an exception to this rule. For the accounts held outside of Texans Credit Union, account ownership verification is a onetime exercise you are required to complete when setting up external accounts. Once the set-up is complete, it is a single point-and-click user experience to schedule a transaction from those accounts. Add Accounts Which accounts are eligible for this service? At this time, you can add the following accounts to Account Link: Checking accounts and savings accounts held at any commercial bank or credit union nationwide that is able to accept ACH transfers (in other words, just about all of them, but contact your institution if you're not sure). These can be accounts that you own as well as third-party accounts. Investment accounts held at any of our affiliated online brokerage firms. We currently have accessibility to most of the nation's largest brokerage companies, and we will be adding several major brokerages in the near future. We'll keep working to expand this roster steadily in the months ahead. Please note that your accounts held at Texans Credit Union will be auto-enabled for this service. All your other external accounts will be required to complete our simple account ownership

3 verification process. Third party accounts do not require this verification. Can I add my savings account to my Accounts Portfolio? Savings accounts are eligible for the Account Link Transfer Funds Service, however, many institutions place transaction limits on savings accounts. For example, federal regulations establish the maximum number of remote withdrawal transactions that can be made each calendar month on Money Market and Share Accounts. As a result, Texans members may not make more than six transfers and/or withdrawal transactions on their Share Account or Money Market Account using Telephone Access Line, Online Banking, telephone or written instruction (transactions made in person, by mail or at a Texans ATM do not apply). As with all other accounts, any limits and conditions placed on transactions into or out of your savings account by your institution will apply to transactions executed through Account Link. Which account types are not eligible for this service? The following accounts are not eligible for Account Link: Individual Retirement Accounts (IRAs) Custodial and/or Trust Accounts Business Accounts for which more than one person has check-writing privileges Certificate of Deposits (CDs) or other time-based accounts Loan Accounts (including credit card and equity accounts) You may have other accounts that are ineligible for this service due to restrictions specific to your financial institution(s). If in doubt, please contact your institution to ensure that your accounts are eligible for Account Link service. How do I add new accounts to my existing portfolio? The procedures for adding new accounts to a previously established portfolio and for adding accounts to a brand new portfolio are exactly the same. If you remember how the process worked the first time you entered your accounts, then proceed exactly as you have in the past. If you'd like a refresher, just follow along with the step-by-step explanations below. How do I add bank accounts to my Accounts Portfolio? Click "Add Accounts" from the menu bar and you will be taken directly to the "Add Bank Accounts" page. You can search for your financial institution either by name or by 9-digit ABA/Routing Number (see below on instructions to find your Routing Number). In many cases, we'll be able to verify the account with your institution automatically through our online account verification process. For other accounts, just follow the trial deposits verification steps. 1. Entering your institution name Enter the name of your financial institution in the data entry field. For best results, please enter a significant portion of the institution name. Note that typing the full institution name may prevent a successful search if our database doesn't include the name exactly as you've entered it. Finally, do not use abbreviations. See the examples on the "Add Bank Account" page for hints on how to best enter your institution name in the data field. Once you perform the search, you'll see hyperlinks for one or more institutions matching your search data. Click on the link for your institution.

4 Alternatively, you can search for your institution by entering the 9-digit ABA Routing Number usually found at the bottom left-hand side of your checks. 2. Providing account information You'll be brought to a screen asking for the account number and ABA routing number for your account. Enter the account number in the data field and select the proper ABA routing number from the drop-down list. See below for information about ABA Routing/Transit numbers, including what they are and how to find yours. Online account verification: We can sometimes verify the account with your institution immediately via the Internet. If this is the case, you should receive an instant response from the system or you may be asked to supply the login credentials you use to gain access to your online account with that financial institution (not your Texans Credit Union user ID and password). If online account verification is not available, you'll be asked to complete our convenient trial deposit verification process. See below for details regarding online and offline account verification. When you have supplied all requested information, click "Continue." You will be brought to your Overview page. If you have completed a successful online verification, the account will be listed under a box called "Approved Accounts." This account is now ready to be used with Account Link. If Trial Deposit Verification or offline verification is required, the account will appear under the "Accounts Requiring Verification" box. 3. Adding additional accounts To add one or more additional bank accounts to your Accounts Portfolio, click "Add Accounts" at the top of the page. You'll return to the "Add Bank Accounts" page, where you can simply repeat the process described above until you've submitted all the bank accounts you wish to enable for Account Link. To add investment accounts, click "Add Accounts" to return to the "Add Bank Accounts" page and click "Add Investment Accounts." (See below for details about adding your investment accounts. 4. Verify your accounts For your protection, before we activate your new accounts to be used with this service, we'll verify each account with your financial institution(s). Your accounts held at Texans Credit Union will be auto-enabled for this service. The external accounts that you have submitted for this service and that could not be verified online appear on your "Overview" page under the box called "Accounts Requiring Verification." To complete the verification process, just click on the "Verify" link next to that account under the "Accounts Requiring Verification" box. (See below for details regarding account verification.)

5 Why doesn't the search or alphabetical list produce a match for my financial institution? There could be a number of reasons for this: 1. Your search may not be successful if you've included an abbreviation in the search criteria or entered the institution name in a way that's inconsistent with its listing in our databases (see the search hints on the "Add Bank Accounts" page). Try entering the institution name again, a little differently. Check for spelling errors and other typos. 2. You may be entering an institution that isn't in our database yet. While our listings include over 23,000 banks and credit unions in the U.S., there are still a few, especially smaller institutions, that are not yet included. 3. You may be trying to enter an account type that is not eligible for Account Link. Bank accounts currently eligible to be added to your Portfolio generally include checking accounts, money market accounts for which you have check-writing privileges and savings accounts. If in doubt, please contact our e-branch by calling or by logging into Texans Online Banking and clicking "Send Us a Message" on the Self Service page. What is an ABA routing number and how do I find mine? The ABA routing number is an identification number assigned to each financial institution and each branch office. Therefore, the larger your financial institution, the more routing numbers that you will have to choose from. It is usually a 9-digit number found at the bottom left-hand side of your checks between the symbols. How do I find my account number? Your account number can also be found on your checks, at the bottom center of the check. Your routing number comes first, followed by a space, then another string of numbers. That second string of numbers is your account number. Please note that there is a symbol at the end of the account number; after that symbol is the check number. When asked for your account number, make sure you enter the number that stops at the symbol; do not enter the check number following it. Add Investment Accounts What is the definition of an investment account for the purposes of Transfer Funds? An investment account is the cash account (usually a money market account) that you hold at your brokerage. This is where your brokerage holds the funds you use to make stock, mutual fund and other investment purchases, and where the brokerage deposits the proceeds from the sales you execute. Which brokerages are accessible for Transfer Funds? The Transfer Funds system allows you to add investment accounts from any of our affiliated online brokerage firms. Please check the "Available Brokerages" list on the "Add Investment Accounts" page to see if your firm is on it. We are proud to offer access to most of the nation's most prominent brokerage companies, and we'll be adding more major brokerages in the near future. We'll keep working to expand this roster steadily in the months ahead.

6 How do I add investment accounts to my Accounts Portfolio? Click "Add Accounts" at the top of the "Overview" page and you'll be brought to the "Add Bank Accounts" page. From there, click "Add Investment Accounts" and you'll be brought to the "Add Investment Accounts" page. Follow the same procedures as used when adding a bank account. What if my brokerage doesn't appear on the "Available Brokerages" list? Answer: Unfortunately, if you don't see your brokerage in this list, you won't be able to add accounts held at that institution to your Funds Transfer Portfolio. Online Account Verification When is online account verification possible? Online verification is possible when you have online access to a bank account. Account Link has online verification arrangements with a select group of banks, including some of the most prominent financial institutions in the country. Accounts held at these institutions are eligible for our automatic online verification process. We'll be constantly working to expand this group to make adding accounts to your "Transfer Funds" page even easier in the future. Check with your institution if you're not sure about your access status or passwords for any of your accounts. What if I don't have online access to the account? Just provide your account number and ABA routing number, leave all other information fields blank, and click Continue. You'll be brought to the "Overview" page, and the account will appear under "Accounts Requiring Verification." Trial Deposit Verification How can I get my external accounts verified using the trial deposit verification method? For any reason, if your account cannot be verified using the real-time online verification method, you will be automatically directed to the page where you can initiate the trial deposits. On receiving your instruction, Account Link will make one or two deposits into the account requiring verification. You will be asked to confirm the amount of deposits. Once you know the amount of deposits (which you can confirm by calling your financial institution or by checking your account online), just login to Account Link and click on "Verify" next to the account under the "Accounts Requiring Verification" box. You will be taken to a screen where you can enter the amount of deposits that were sent to your external account. If the amounts entered match the trial deposit amounts, then your external account will be enabled for the service. The account will now show under the "Approved Accounts" box on the "Overview" page. What do I have to do to get my accounts verified using trial deposit verification? If for any reason you do not want to get your account verified online, you can always get it verified using trial deposit verification. Just click on the "Trial Deposit Verification" link and follow the simple instructions. On receiving your instruction, Account Link will make one or two deposits into your account. You will be asked to confirm the amount of deposits.

7 How do I confirm the amount of trial deposits made by you to get my account verified? You can find out the amount of the trial deposits made by us in a number of ways: Call your financial institution. Review the account statement available at your financial institution's online banking site. Review your monthly statement. In your online statement or monthly paper statement, the trial deposit transactions will be labeled TRANSFER or ACCOUNT VERIFY. How long does it take to get my accounts verified using trial deposit verification? The trial deposit transaction(s), if posted successfully to your account, are available within 2 business days from the day you registered your account on Account Link. Sometimes, the trial deposit verification can take longer than that based on how long your financial institution takes to post the transfer. What do I do if the trial deposit(s) made to my account fails? If the trial deposits made did not post successfully to your account, you will be notified by . Also, when you click on the "Verify" link next to the account on the "Overview" page, the link will take you a screen showing the status of the transaction as "Failed." We suggest that you double check the account credentials entered. If incorrect, delete and add the account again with the correct account details. Offline Account Verification How can I tell which accounts still have to be verified with my institutions? For your protection, every external account you submit to use in Account Link must be verified with your institution before being enabled for the service. All accounts still pending verification will appear in your "Overview" page as "Accounts Requiring Verification." We ask you to help us complete the verification of these accounts by completing the simple verification process based on the method selected by you. Introduction to Transfer Funds How do Transfer Funds work? Account Link processes Electronic Transfer Funds via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve to clear checks between financial institutions. Texans Credit Union submits a request to the ACH network to transfer funds between the accounts you've specified. ACH then uses its secure channels to complete the transaction. This procedure is very similar to the process employers use to create direct deposit of payroll and that financial institutions use to carry out automated payments for loans or mortgages. When do you execute my Transfer Funds request? Your Transfer Funds request enters into the ACH system on the same business day following receipt of your request, provided you've made your transaction request by the daily cut-off time, which is 6:00 p.m. Central Time.

8 If you initiate a Transfer Funds request after the daily cutoff time, the transfer will be posted two business days following the request date. Please note that all Transfer Funds requested during the weekend (after the Friday cut-off time) will be posted on Tuesday. Depending upon the financial institution, it may take an additional business day for the transaction to be reflected in the account balance of the destination account. Can I use this service to transfer money between accounts at the same financial institution? You can if you wish, but it's generally quicker to use your financial institution's banking network to complete this transaction. Request a Transfer How do I transfer funds between my enabled accounts? Just click the "Transfer Funds" tab at the top of your screen. You'll see a listing of all of your Account Link enabled accounts. Simply select the accounts you want in the "Transfer From" and "Transfer To" columns, enter a transfer amount in the data field, and click "Confirm." You re brought to a Confirmation screen where the details of your transfer funds request appear. If everything is correct, click "Submit." To cancel, click "Cancel." You will be returned to your "Overview" page, where you'll be given a reference number for your transaction. The details of the transfer will also appear in the "Recent Transactions" area near the top of the screen. The transfer will also appear on the "History" page, which offers a detailed view of your Transfer Funds history, including the status of all transactions executed over the past 12 months. Why don't all of the accounts I've submitted appear on my "Transfer Funds" page? Your account(s) can only be enabled after they have been verified with your financial institution. Check your "Overview" page for account verification status. If verification of the account is still pending, or if you haven't begun the offline verification process, you'll see the account listed under "Accounts Requiring Verification." When the verification process has been completed, the account will automatically be listed under "Approved Accounts" and appear on your "Transfer Funds" page. You can now schedule transactions to and from this account. Please see above for more details about Account Verification, or contact our e-branch by calling or by logging into Texans Online Banking and clicking "Send Us a Message" on the Self Service page. Transfer Limits How much money can I transfer? Once your accounts have been verified, you will be able to transfer:

9 As much as $2, per transaction Up to $2, in total transactions per day Up to $5, in total transactions per calendar month Your outstanding transfers (transfers that you've initiated but which have not yet settled) may total up to $2, at any given time. These figures represent your total transactions for all accounts. Do account transaction limits and/or fees assigned by my financial institution apply to the Transfer Funds service? Yes. In all cases, limits and conditions placed on account transactions by individual financial institutions apply to your Transfer Funds request executed through the Transfer Funds service. Please note that your external account financial institution may charge any and all fees resulting from such conditions to you. If in doubt, please contact your financial institution to determine whether restrictions and/or conditions, including fees, pertain to transactions made into or out of any of your accounts. Cancel a Transfer What should I do if I wish to cancel a Transfer Funds request? You can cancel your request any time before the daily cut-off time. Once your Transfer Funds request has been transmitted to ACH, you cannot cancel the transaction. Your best bet is to request a second transfer between the same two accounts sending the funds back to their point of origin (in effect, reversing your first transfer). It is simple to cancel the transaction before the cut-off time. Just click on the "Cancel" link next to the transaction on the "Overview" page and follow the simple instructions. Transfer Status How will I know when a transfer is complete? Your "Transfer Funds Status" page provides an up-to-date status report of all your Transfer Funds requests over the past twelve months. Each transfer request is displayed along with the date and status of the transaction. You can see at a glance whether a transfer is complete or still in progress. You'll also know right away if we're unable to successfully execute a transfer, with full details about the transaction just a click away. You should also be able to confirm the completion of the transaction with your financial institution after scheduled completion of your transaction request. Under what circumstances will an attempted Transfer Funds request be unsuccessful? A Transfer Funds request will be returned if it cannot successfully be posted to your account. The most common reasons for failed or returned Transfer Funds are: Entering an incorrect account number or bank ABA routing number Lack of sufficient funds in the source account Exceeding the dollar limit for an individual transaction, total transactions per calendar month, or outstanding transfers (transfers that you've initiated but which haven't been

10 finalized) You will be notified by if we have received a "Return" message on your transaction indicating that the transfer has not been completed. Full details will be available on your "History" page. Security and Privacy How do you protect my security and privacy? We're committed to maintaining the privacy, security and integrity of the financial and personal information you share with us, and take every precaution to do so. We've designed multiple levels of security to ensure the protection of your information from loss, theft, unauthorized access, modification or disclosure. We make sure that our security measures conform to all applicable federal, state and local laws. Sensitive information, including bank account numbers and account verification date, is encrypted with state-of-the-art encryption software. For a full description of the care we take in this area, please see our full-length Security Policy. Our procedures also include extensive in-house privacy measures. We place your personal and financial information on a secure portion of our website. Your user login name and password, and all verification information pertaining to your individual accounts, always remain encrypted. Neither our software, nor any of our employees can decode this information. Please see our full-length Privacy Policy for more details. How do you verify my identity and my account information to prevent fraud? We employ a two-tiered verification system to make sure your accounts are secure. When you initially log into and register for Account Link, your financial institution provides confirmation of your identity and the accounts held at that financial institution. Occasionally, we're unable to register successfully because of incomplete information received from your financial institution. If this happens you will have a chance to provide this information to us and you will be registered for the service. Accounts that reside at Texans Credit Union are auto-enabled and verified when you initially log into the service. Before activating your other accounts on Account Link, we'll verify each one with your financial institution. This takes a little more time for you and for us, but it's part of the care we take to maintain your safety and the overall integrity of the payment network. You'll find more detailed information about this process included below. Do you share my information with third parties? Your information is only shared between Texans Credit Union and CashEdge, the company that runs Account Link, and is never released to any other party. User Profile Contact Details How do I update my contact information?

11 It's important that you keep your contact information up-to-date so we can communicate with you quickly whenever necessary. If your contact details should change, click the "Edit Your Profile" link found at the bottom of every page. Edit the data entry fields as necessary, and our records will be automatically revised with your new information. There are no phone calls to make or forms to mail. Edit How do I validate my additional address? Your newly added address will be listed as "Awaiting Validation." For security reasons, you'll be asked to confirm this address before it will be activated for use. You will automatically be sent an message, containing a Validation Code, to the new address. When this arrives, return to your address list in Account Link, click "Validate" for the appropriate address, and copy the Validation Code from the message into the data entry field. When you click "Submit," your new address will be validated and ready to use. How do I deactivate addresses from the service? Follow the instructions for adding addresses. When you get to the online address list, click the "Delete" link for any address you'd like to deactivate. You will receive a confirmation notifying you that the selected address was deleted. Unsubscribe How can I Unsubscribe from the Transfer Funds service? If at any time you wish to discontinue your use of Account Link, you can unsubscribe by clicking on "Unsubscribe" from the "Edit Profile" page or by contacting our e-branch at Once your account with Texans Credit Union has terminated for any reason, you will no longer have access to use the Account Link service.