1. Member Liability  $50 Limit  Notifies credit union within 2 business days  $500 Limit  Does not notify CU within 2 business days  Unlimited Amount  Fails to notify CU within 60 calendar days after the periodic statement was sent

2. Limitations on Amount of Liability  Negligent actions by members, such as writing the PIN on the card, does not affect the members liability for unauthorized transfers.  No agreement between the Credit Union and the member may impose greater liability.

3. Resolving Errors Time Limits and extent of investigation –10 day period: 10/3/1 –45 day period: 45/3/1 –Extension: Double to 20 and 90 If outside country, POS transaction or within 30 days Procedures if No Error –Written Explanation –Debit Provisional Credit & Notify Member of date and amount

4. Disclosures  Receipt at Electronic Terminal (ATM)  Amount  Date  Type  Identification / Account Number  Terminal Location  Third party transfer

5. Disclosures  Periodic Statement  Transaction Information  Amount, Date, Type, Terminal Location, Third Party.  Account Number  Fees  Account balances  Address and telephone number for inquires  Telephone number for preauthorized transfers

6. Disclosures  Automated Teller Machines  On the Machine  Post in a prominent and conspicuous location  “A fee will” or “A fee may” be imposed for providing electronic fund transfer services or for a balance inquiry  Screen or paper notice  Provided BEFORE the member is committed to paying the fee