<p>This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the  electronic fund transfers (EFT) services offered to you by Spokane City Credit Union (&quot;Credit Union&quot;). In this Agreement, the words &quot;you&quot;,  &quot;your&quot; and &quot;yours&quot; mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words &quot;we,&quot;  &quot;us,&quot; and &quot;our&quot; mean the Credit Union. The word &quot;account&quot; means any one (1) or more share and share draft accounts you have with the  Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described  below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally,  agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.</p> <p><strong>1. EFT SERVICES -</strong> If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union.</p> <p><strong>a. Debit Card.</strong> If approved, you may use your card to purchase goods and services from participating merchants. If you wish to pay for  goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete  the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds  to cover your card purchases will be deducted from your share draft account. If the balance in your account is not sufficient to pay the  transaction amount, the Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts,  approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that  overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In  the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal  identification number (PIN) in ATMs of the Credit Union, STAR, Co-Op, PLUS, Visa networks, and such other machines or facilities as the  Credit Union may designate. At the present time, you may also use your card to:</p> <ul>   <li>Make deposits to your share and share draft accounts.</li>     <li>Withdraw funds from your share and share draft accounts.</li>     <li>Transfer funds from your share and share draft accounts.</li>     <li>Obtain balance information for your share and share draft accounts.</li>     <li>Make loan payments from your share and share draft accounts.</li>     <li>Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at      merchants that accept Visa.</li>     <li>Order goods or services by mail or telephone from places that accept Visa.</li> </ul> <p>The following limitations on the frequency and amount of Debit Card transactions may apply:</p> <ul>     <li>There is no limit on the number of Debit Card purchases you make per day.</li>     <li>Purchase amounts are limited to the amount in your account.</li>     <li>There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine.</li>     <li>You may withdraw up to a maximum of $500 in any one (1) day from an ATM machine, if there are sufficient funds in your account.</li>     <li>There is no limit on the number of POS transactions you may make in any one (1) day.</li>     <li>You may purchase up to a maximum of $1,500 from POS terminals per day, if there are sufficient funds in your account.</li>     <li>For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.</li>     <li>You may transfer up to the available balance in your accounts at the time of the transfer.</li>     <li>See Section 2 for transfer limitations that may apply to these transactions.</li> </ul> <p><strong>b. Audio Response.</strong> If we approve Audio Response for your accounts, a separate personal identification number (PIN) will be assigned to  you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time,  you may use Audio Response to:</p> <ul>     <li>Withdraw funds from your share and share draft accounts.</li>     <li>Transfer funds from your share and share draft accounts.</li>     <li>Obtain balance information for your share and share draft accounts.</li>     <li>Make loan payments from your share and share draft accounts.</li>     <li>Access your Line-of-Credit account.</li>     <li>Determine if a particular item has cleared.</li>     <li>Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts.</li>     <li>Verify the last date and amount of your payroll deposit.</li> </ul> <p>Your accounts can be accessed under Audio Response via a touch-tone telephone only. Audio Response service will be available for your  convenience 24 hours per day. This service may be interrupted for a short time each day for data processing.</p> <ul>     <li>There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.</li>     <li>See Section 2 for transfer limitations that may apply to these transactions.</li> </ul> <p>The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an  account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as  a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and  you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be  limits on the duration of each telephone call.</p> <p><strong>c. Preauthorized EFTs. </strong></p> <ul>     <li>Direct Deposit. Upon instruction of (i) your employer, (ii) the Treasury Department or (iii) other financial institutions, the Credit      Union will accept direct deposits of your paycheck or federal recurring payments, such as Social Security, to your share and/or    share draft account.</li>     <li>Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share and share draft accounts.</li>     <li>See Section 2 for transfer limitations that may apply to these transactions.</li>     <li>Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money      you owe others, you may stop payment on preauthorized transfers from your account. You must notify us orally or in writing at any      time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop      payment order to be made within 14 days of any oral notification. If we do not receive the written confirmation, the oral stop payment    order shall cease to be binding 14 days after it has been made.</li>     <li>Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you,      ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only      when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside    certain limits that you set.</li>     <li>Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.</li> </ul> <p><strong>d. Electronic Check Conversion/Electronic Returned Check Fees.</strong> If you pay for purchases or bills with a check or draft, you may  authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to  electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you  complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if  you sign a written authorization.</p> <p><strong>e. webpayservice.com.</strong> We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User  Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any  bill payment transfer if the required transaction information is incomplete.  We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you  schedule for payment. We will process your bill payment transfer within a designated number of days before the date you are scheduled for  payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much  time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by  the vendor.</p> <p>There is no limit on the number of bill payments per day.</p> <p><strong>2. TRANSFER LIMITATIONS -</strong> For all share accounts, no more than six (6) preauthorized, automatic, telephone, or Internet transfers and  withdrawals may be made from each account to another account of yours or to a third party in any month, and no more than three (3) of  these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a  fee or be closed.</p> <p><strong>3. CONDITIONS OF EFT SERVICES - </strong></p> <p><strong>a. Ownership of Cards.</strong> Any card or other device which we supply to you is our property and must be returned to us, or to any person  whom we authorize to act as our agent, or to any person who is authorized to honor the card, immediately according to instructions. The card  may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your card or account to another person.  b. Honoring the Card. Neither we nor merchants authorized to honor the card will be responsible for the failure or refusal to honor the card  or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in  lieu of a cash refund.</p> <p><strong>c. Foreign Transactions.</strong>  Visa. Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate  between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a  range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa  itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the  processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.</p> <p><strong>d. Security of Access Code.</strong> You may use one (1) or more access codes with your electronic fund transfers. The access codes issued to  you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or  with the card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes  available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue  until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access  code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit  Union suffers a loss, we may terminate your EFT services immediately.</p> <p><strong>e. Joint Accounts.</strong> If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized  users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any share and  share draft or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may,  and is hereby authorized by every other joint account owner, make any transaction permitted under this Agreement. Each joint account owner  is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on  any account from any joint account owner.</p> <p><strong>4. FEES AND CHARGES -</strong> There are certain fees and charges for EFT services. From time to time, the charges may be changed. We  will notify you as required by applicable law.</p> <p>If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in  processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). The ATM  surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.</p> <p><strong>a. Debit Card Fees. </strong></p> <ul>     <li>We do not charge for any ATM withdrawals at the present time.</li>     <li>We do not charge for any POS transactions at the present time.</li>     <li>Replacement card fee of $25.00 per card.</li>     <li>Nonsufficient funds fee of $25.00.</li> </ul> <p><strong>b. Audio Response Fees.</strong></p> <ul>     <li>Nonsufficient funds fee of $25.00.</li> </ul> <p><strong>c. Preauthorized EFT Fees.</strong></p> <ul>     <li>Nonsufficient funds fee of $25.00.</li> </ul> <p><strong>d. webpayservice.com Fees.</strong></p> <ul>     <li>$5.95 service fee per month.</li>     <li>Nonsufficient funds fee of $25.00.</li> </ul> <p><strong>5. MEMBER LIABILITY -</strong> You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service,  your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.</p> <p><strong>TELL US AT ONCE</strong> if you believe your card has been lost or stolen, if you believe someone has used your card or access code or otherwise  accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using  information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account  (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was either  a Visa or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account  or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card,  your liability for an unauthorized transaction is determined as follows.</p> <p>If you tell us within two (2) business days you can lose no more than $50 if someone used your card without your permission. If you do NOT  tell us within two (2) business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from  using your card without your permission if you had told us, you could lose as much as $500.</p> <p>Also, if your statement shows transfers that you did not make including those made by card, code or other means, <strong>TELL US AT ONCE</strong>. If you  do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days if we can prove  that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you  from telling us, we will extend the time periods.</p> <p>If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your  permission, call:</p> <p>(509) 325-7228    <br /> or write to:    <br /> Spokane City Credit Union    <br /> 1930 N. Monroe    <br /> Spokane, WA 99205    <br /> Fax: (509) 325-9818</p> <p>You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your    check without your permission.</p> <p><strong>6. RIGHT TO RECEIVE DOCUMENTATION - </strong></p> <p><strong>a. Periodic Statements.</strong> Transfers and withdrawals made through any debit card transactions, audio response transactions, preauthorized  EFTs or bill payments you make will be recorded on your periodic statement. You will receive a statement monthly unless there is no  transaction in a particular month. In any case, you will receive a statement at least quarterly.</p> <p><strong>b. Terminal Receipt.</strong> You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM  and/or point-of-sale (POS) terminal.</p> <p><strong>c. Direct Deposit.</strong> If you have arranged to have a direct deposit made to your account at least once every 60 days from the same source  and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (509) 325-7228.  This does not apply to transactions occurring outside the United States.</p> <p><strong>7. ACCOUNT INFORMATION DISCLOSURE -</strong> We will disclose information to third parties about your account or the transfers you make:</p> <ul>     <li>As necessary to complete transfers;</li>     <li>To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or      merchant;</li>     <li>If your account is eligible for emergency cash and/or emergency card replacement services and you request such services, you      agree that we may provide personal information about you and your account that is necessary to provide you with the requested      service(s);</li>     <li>To comply with government agency or court orders; or</li>     <li>If you give us your written permission.</li> </ul> <p><strong>8. BUSINESS DAYS -</strong> Our business days are Monday through Friday, excluding holidays.</p> <p><strong>9. CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS - </strong> If we do not complete a transfer to or from your account on time  or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for  direct or consequential damages in the following events:</p> <ul>     <li>If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts      necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy Disclosure, or if the      transaction involves a loan request exceeding your credit limit.</li>     <li>If you used your card or access code in an incorrect manner.</li>     <li>If the ATM where you are making the transfer does not have enough cash.</li>     <li>If the ATM was not working properly and you knew about the problem when you started the transaction.</li>     <li>If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.</li>     <li>If the money in your account is subject to legal process or other claim.</li>     <li>If funds in your account are pledged as collateral or frozen because of a delinquent loan.</li>     <li>If the error was caused by a system of any participating ATM network.</li>     <li>If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for      making such transfers.</li>     <li>If the telephone or computer equipment you use to conduct audio response or online/PC transactions is not working properly and      you know or should have known about the breakdown when you started the transaction.</li>     <li>If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer      made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you      must contact the merchant directly. We are not responsible for investigating such errors.</li>     <li>Any other exceptions as established by the Credit Union.</li> </ul> <p><strong>10. NOTICES -</strong> All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit  Union%u2019s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve  the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least 21 days before the effective  date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those  regulations.</p> <p>The following information is a list of safety precautions regarding the use of ATMs and night deposit facilities:</p> <ul>     <li>Be aware of your surroundings, particularly at night.</li>     <li>Consider having someone accompany you when the ATM or night deposit facility is used after dark.</li>     <li>Close the entry door of any ATM facility equipped with a door.</li>     <li>If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete      your transaction. If it is after the regular hours of the financial institution and you are using an ATM, do not permit entrance to any      person you do not know.</li>     <li>Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money      in your purse or wallet. Count the cash later in the safety of your car or home.</li>     <li>If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming      back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your card or      deposit envelope, and leave.</li>     <li>If you are followed after making a transaction, go to the nearest public area where people are located.</li>     <li>Do not write your personal identification number (PIN) or access code on your ATM card.</li>     <li>Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the nearest      available public telephone.</li> </ul> <p><strong>11. BILLING ERRORS - </strong>In case of errors or questions about electronic fund transfers from your share and share draft accounts or if you  need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the  following address as soon as you can. We must hear from you no later than 60 days after we sent the first statement on which the problem  appears.</p> <p>Call us at: <br /> (509) 325-7228</p> <p>or write to: <br /> Spokane City Credit Union <br /> 1930 N. Monroe    <br /> Spokane, WA 99205</p> <p>Fax: (509) 325-9818</p> <ul>     <li>Tell us your name and account number.</li>     <li>Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has      made an error or why you need more information.</li>     <li>Tell us the dollar amount of the suspected error.</li> </ul> <p>If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.      We will determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly. If      we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this, we will credit      your account within ten (10)* business days for the amount you think is in error so that you will have the use of the money during the time it      takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10)      business days, we may not credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send      you a written explanation. You may ask for copies of the documents that we used in our investigation.</p> <p><strong>*</strong> If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of ten  (10) business days to investigate the error.</p> <p><strong>**</strong> If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a POS transaction,  or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days  to investigate the error.</p> <p><strong>NOTE:</strong> If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account  within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will  receive credit within ten (10) business days.</p> <p><strong>12. TERMINATION OF EFT SERVICES - </strong> You may terminate this Agreement or any EFT service under this Agreement at any time by  notifying us in writing and stopping your use of your card and any access code. You must return all cards to the Credit Union. You also agree  to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement  at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making  preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further  preauthorized transaction instructions. We may also program our computer not to accept your card or access code for any EFT service.  Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any  electronic transactions made prior to termination.</p> <p><strong>13. GOVERNING LAW - </strong> This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and  regulations of the state of Washington, and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement  shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.</p> <p><strong>14. ENFORCEMENT - </strong> You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this Agreement.  You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a legal action to  collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable  attorney%u2019s fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgment collection actions.</p> <p>&copy; CUNA MUTUAL GROUP, 2008 ALL RIGHTS RESERVED</p>