Common use of Right to Receive Documentation of Transfers Clause in Contracts

Right to Receive Documentation of Transfers. Periodic Statements – You will get a monthly Account statement reflecting transactions for your Account(s) unless there are no transfers or withdrawals. In any case, you will get a statement at least quarterly. • Terminal Transfers – You can get a receipt at the time you make any transfer of more than $15 to or from your Account(s) using an ATM or a POS (Point of Sale) terminal. • Preauthorized Credits – If you have arranged to have direct deposits made to your Account(s) at least once every sixty (60) days from the same person or company, the person or company making the deposit will inform you every time they send us the money. To verify your preauthorized credit(s), please contact us at (000) 000-0000 during normal business hours. • Tell us at once if you believe your Access Code, PIN or Card has been lost or stolen, 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 possible losses at a minimum. You can lose all the money in your Account (plus your maximum overdraft line of credit). • You are not responsible for any unauthorized transactions using your Access Code, PIN or Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN or Card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. • For all other electronic fund transfer transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone used your Access Code, PIN or 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 Access Code, PIN or EECU Debit Card, and we can prove that we could have stopped someone from using your Access Code, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Right to Receive Documentation of Transfers. Periodic Statements – Your completed ACH electronic funds transfers to and from your Logix accounts will appear on your periodic account statements. You will get a monthly Account account statement reflecting transactions on the ACH electronic Provisional Payment, Funds Availability, and Dividend Accrual: Credit given by us to you with respect to an Automated Clearing House credit Entry is provisional until we receive final settlement for such Entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such Entry, and the party making payment to you via such Entry (i.e. the Originator of the Entry) shall not be deemed to have paid you the amount of such Entry. Funds from ACH electronic funds transfer deposits to your Account(sLogix account(s) unless there are no will be available on the day we receive the deposit in accordance with our "Funds Availability Policy." You may obtain a copy of our Funds Availability Policy upon request by calling us at 800-328-5328, or by visiting any one of our branches. Dividends accrue from the date of deposit in accordance with our applicable account agreement with you. Right to Stop ACH Transfers: You can stop a MoneyMover Service ACH funds transfer you have set up to occur, by cancelling or deleting that transfer before the processing cutoff time on the scheduled transfer date. You can also stop payment on these preauthorized electronic funds transfers by notifying us, either orally or withdrawalsin writing, at least three business days before the transfer is scheduled to be made. In To do so, call us at 000-000-0000, or visit any caseone of our branches. Representment of Returned ACH Items: If any ACH debit to your account at another financial institution is returned to us for “Insufficient Funds,” we may resubmit the debit to the designated financial institution one (1) time. If the debit is returned for Insufficient Funds upon representment, we will reverse the credit to your account(s) or loan(s) and we will not again resubmit the debit until the next scheduled transfer date. If this occurs on loan payment transfers, you will get be responsible to ensure that your required monthly loan payment is made. We reserve the right to charge you a statement at least quarterlyfee for each “non-sufficient funds” ACH debit returned item. • Terminal Transfers – You Fees and Charges: There are no fees or charges to use the MoneyMover Service or for us to process ACH funds transfers you initiate through this Service; however, there are charges associated with ACH NSF Returned Items. Please refer to our Schedule of Service Charges and Fees, which is available online and which can get a receipt at the time you make any transfer of more than $15 to or from your Account(s) using an ATM or a POS (Point of Sale) terminal. • Preauthorized Credits – If you have arranged to have direct deposits made to your Account(s) at least once every sixty (60) days from the same person or company, the person or company making the deposit will inform you every time they send us the money. To verify your preauthorized credit(s), please contact also be obtained by contacting us at (000) 000800-0000 during normal business hours. • Tell us at once if you believe your Access Code, PIN 328- 5328 or Card has been lost or stolen, 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 by visiting any one of keeping possible losses at a minimum. You can lose all the money in your Account (plus your maximum overdraft line of credit). • You are not responsible for any unauthorized transactions using your Access Code, PIN or Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN or Card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. • For all other electronic fund transfer transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone used your Access Code, PIN or 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 Access Code, PIN or EECU Debit Card, and we can prove that we could have stopped someone from using your Access Code, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsour branches.

Right to Receive Documentation of Transfers. Periodic Statements – You will get receive a monthly Account account statement reflecting transactions for your Account(s) unless if there are no any electronic fund transfers or withdrawals. In any caseduring that month, otherwise you will get receive a statement at least quarterly. • Terminal Transfers – You can get SUMMARY OF OUR LIABILITY TO YOU FOR FAILURE TO MAKE OR STOP CERTAIN TRANSFERS: If we do not complete a receipt at the time you make any transfer of more than $15 to or from your Account(saccount on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer • If the transfer would go over the credit limit on your overdraft line • If circumstances beyond our control (such as fire or flood) using prevent the transfer, despite reasonable precautions that we have taken • If the ATM where you are making the transfer does not have enough cash • If the terminal was not working properly and you knew about the breakdown when you started the transfer • There may be other exceptions stated in our agreement with you CONFIDENTIALITY: We will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfer • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant • In order to comply with government agency or court orders or subpoenas, or laws and regulations • If you give us your written permission CHARGES FOR ELECTRONIC FUND TRANSFERS: If you use an ATM not owned by us or visit a POS (Point merchant, you may be charged a fee by the acquirer. Check the Rate & Fee Schedule for any fees the credit union may charge. OTHER TERMS AND CONDITIONS: The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of Salerates 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 plus the 1% International Transaction Fee. Your account(s) terminalmay also be governed by other terms and conditions previously set by us. • Preauthorized Credits – If any of those terms and conditions, conflict with the terms and conditions of this disclosure statement, this disclosure statement will prevail. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: If you have arranged to have direct deposits made to think your Account(s) at least once every sixty (60) days from the same person statement or company, the person or company making the deposit will inform you every time they send us the money. To verify your preauthorized credit(s), please contact us at (000) 000-0000 during normal business hours. • Tell us at once if you believe your Access Code, PIN or Card has been lost or stolen, receipt is wrong or if you need more information about a transfer listed on your statement or receipt, contact us immediately. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. We will need the following information if you contact us in writing: • Your name and account number • A description of the error or the transfer you are unsure about • An explanation as to why you believe that it is an electronic fund transfer has been made without your permission using error or why you need more information from your check• The dollar amount of the suspected error. Telephoning is the best way of keeping possible losses at a minimum. You can lose all the money in your Account (plus your maximum overdraft line of credit). • You are not responsible for any unauthorized transactions using your Access Code, PIN or Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN or Card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. • For all other electronic fund transfer transactions, if If you tell us orally, we may require that you send us your complaint or question in writing within two (2) 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so 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 questions in writing and we do not receive it within 10 business days, you can lose no more than $50 if someone used your Access Code, PIN or 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 Access Code, PIN or EECU Debit Card, and we can prove that we could have stopped someone from using your Access Code, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back credit your account for the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodserror.

Right to Receive Documentation of Transfers. Periodic Statements – You will get a monthly Account statement reflecting transactions for your Account(s) unless there are no transfers or withdrawals. In any case, you will get a statement at least quarterly. • Terminal Transfers – You can get a receipt at the time you make any transfer of more than $15 to or from your Account(s) Account using an one of the ATM or a POS (Point of Sale) terminalterminals. • Preauthorized Credits – If you have arranged to have direct deposits made to your Account(s) account at least once every sixty (60) days from the same person or company, the person or company making the deposit will inform you every time they send us the money. To verify your preauthorized credit(s), please contact can call us at (000) 000-0000 during normal business hoursor (000) 000-0000 to find out whether or not the deposit has been made. • Tell You will get a monthly Statement (unless there are no transfers in a particular month). In any case you will get a Statement at least quarterly. SUMMARY OF YOUR RIGHT TO STOP PAYMENTS: If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call us at once if you believe your Access Code, PIN or Card has been lost or stolen(000) 000-0000, or if write us at Florida State University Credit Union, P.O. Box 182499, Tallahassee, FL 32318 in time for us to receive your request two days or more before the payment is scheduled to be made. If you believe call, we may also require that an electronic fund you put your request in writing and get it to us within 14 days after you call. We will charge you a fee for each stop payment order you give. If these regular payments may vary in amount, the person you are going to pay will tell you ten 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). If you order us to stop one of these payments three business days or more before the transfer has been made without is scheduled, and we do not do so, we will be liable for your permission using information losses or damages. SUMMARY OF CREDIT UNION'S LIABILITY FOR FAILURE TO MAKE TRANSFERS: If we do not complete a transfer to or from your checkAccount on time or in correct amount according to our agreement with you, we will be liable for your losses for damages as required by Federal law. Telephoning is the best way However, there are some exceptions. We will not be liable for, for instance: If through no fault of keeping possible losses at a minimum. You can lose all the ours, you do not have enough money in your Account (plus your maximum overdraft line of credit). • You to make the transfer; If the transfer would go over the credit limit on a loan; If the ATM terminal where you are making the transfer does not responsible for any unauthorized transactions using your Access Code, PIN have enough cash; If the ATM terminal or Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN system or Card from the risk of loss or theftother audio/digital system was not working properly, and you knew about the breakdown when you started the transfer; If circumstances beyond our control (iisuch as fire or flood) upon becoming aware prevent the transfer, despite reasonable precautions that we have taken; If the funds in your Account are subject to a court order or other restriction preventing the transfer; and There may be other exceptions stated in our agreement with you. CIRCUMSTANCES UNDER WHICH WE WILL DISCLOSE ACCOUNT INFORMATION TO THIRD PARTIES: We will disclose information to third parties about your Account or transfers you made: When it is necessary to complete the transfers; In order to verify the existence and conditions of your Account for a loss third party such as a credit bureau or theftmerchant; In order to comply with a government agency or court orders; or If you give us written permission. SUMMARY OF OUR ERROR RESOLUTION PROCEDURE IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: In Case Of Errors Or Questions About Your Electronic Transfers, telephone us at (000) 000-0000 or write us at Florida State University Credit Union, P.O. Box 182499, Tallahassee, FL 32318, as soon as you promptly report the loss or theft to us. • For all other electronic fund transfer transactionscan, if you tell us within two (2) business days, think your Statement or receipt is wrong or if you need more information about a transfer listed on the Statement or receipt. We must hear from you no later than 60 days after we sent you the first Statement on which the problem or error appeared. Your inquiry must include: Your name and Account number; Describe the error or the transfer you are unsure about and explain as clearly as you can lose no why you believe it is an error or why you need more than $50 if someone used your Access Code, PIN or Card without your permissioninformation; The dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten business days. We will tell you the results of our investigation within 10 business days (5 business days for VISA® Check Card point-of-sale transactions and 20 business days if the transaction involved an account open within 30 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 (90 days if the transfer involved a point-of-sale transaction, a foreign initiated transfer, or the transaction involved an account opened within 30 days) to investigate your complaint or question. If we decide to do this, we will recredit your Account within 10 business days (5 business days for unauthorized VISA® Check Card transactions and 20 business days if the transaction involved an account opened within 30 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 tell us receive it within two (2) ten days, we may not recredit your Account. If we decide there was no error, we will send you a written explanation within three business days after you learn we finish our investigation. You may ask for copies of the loss or theft of your Access Code, PIN or EECU Debit Card, and we can prove documents that we could have stopped someone from using your Access Codeused in our investigation. REMEMBER THERE IS SAFETY IN NUMBERS. WHENEVER POSSIBLE, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsHAVE ANOTHER PERSON ACCOMPANY YOU WHEN TRANSACTING BUSINESS ON AN AUTOMATED TELLER MACHINE.