e*branch RIGHTS AND RESPONSIBILITIES
Indicated below are types of Electronic Fund Transfers we (the credit union, we, us) are capable of handling, some of which may not apply to your (the member, you/your) account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

ERROR RESOLUTION
In case of errors or questions about electronic transfers, call or write us at the telephone number or address listed in this brochure at once, if you 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 the FIRST statement on which the problem or error appeared.

When contacting us by phone or mail please supply the following:

(1) Tell us your name and account number.

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) 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 point-of-sale transaction or a foreign initiated transfer) to investigate the amount alleged in error. 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, we may not recredit your account. If we decided that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Every calendar day is a processing day, except Saturday, Sunday, and Monday which are treated as a single processing day.

DISCLOSURE OF TYPES OF AVAILABLE TRANSFERS
Account access by e*branch. You may:

A.) Make a withdrawal by check from available accounts.
B.) Transfer funds between available accounts.
C.) Transfer funds to make loan payments.
D.) Accept a wide variety of information regarding your account(s).

This agreement is subject to Article 4A of the Uniform Commercial Code-Funds transfers as adopted in the state in which you have an account with us.  You agree to be bound by automated clearinghouse association rules.  These rules provide, among other things, that payments made by you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made, as provided in Article 4A-403(a) of the UCC.  If we do not receive such, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited.  If we receive a credit to an account you have with us by wire or ACH, we are not required to give you notice of the payment order or credit.

CODE SECURITY
Your Password should be kept strictly confidential. You will be required to change the password you are assigned upon first access to e*branch. If you want to discontinue access to this product, please notify University Credit Union at (305) 324-1009.

RIGHT TO DOCUMENTATION
Periodic Statements:
-You will have access to a periodical electronic account statement.
-Statements will made available in the first five (5) business days after the end of the period.

OUR LIABILITY
Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

(1) If, through no fault of ours, you do not have enough money in your account to make the transfers.
(2) If the transfer would go over the credit limit on your overdraft line.
(3) If the terminal or system was not working properly and we notified you about the breakdown when you started the transfer.
(4) If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions we have taken.
(5) There may be other exceptions stated in our membership agreement with you.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make:

(1) where it is necessary for completing transfers;
(2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
(3) in order to comply with government agency or court orders;
(4) to our employees, service providers, auditors, collection agency, or attorney in the course of their duties; or
(5) if you give us written permission.

APPLICABLE LAW
This agreement is governed by the laws of the State of Florida where our principal office is located.
Retain this information for your records.

MAXIMUM MEMBER LIABILITY
In addition to unlimited liability for transfers occurring after the 60 day period, a member could be liable for up to $500 for unauthorized transfers occurring before that date. This could happen if:

A.) A lost or stolen code (pin) goes unreported for more than two business days after the member discovers the loss or theft.
B.) Unauthorized transfers relating to the loss or theft occur and appear on the periodic statement which go unreported for more than 60 days.
C.) There are additional unauthorized transfers after the 60 day period.