These disclosures apply if you have contracted for one or more of the following USF Federal Credit Union electronic services:

• - An automated teller machine card (ATM)
• - VISA Check Card
• - Money-Line (Audio Response)
• - cyberteller (Home Banking)
• - The direct deposit into checking or savings of periodic payments from persons other than the Credit Union
• - A preauthorized periodic deduction from your account to a third party (other than the Credit Union) such as a loan payment to another financial institution or an insurance payment.

Disclosure of Terms and Conditions of ATM/VISA Check Card Use
Use by you or anyone authorized by you of the ATM/VISA Check Card to obtain cash, goods or services at any authorized terminal may be charged to your checking account and treated as if it were a "check" pursuant to these agreements:
The Credit Union may charge withdrawals to the checking account in any order it determines and if funds are not sufficient to cover all withdrawals may dishonor regular checks.
The credit union cannot honor stop payment requests on ATM/VISA Check Card withdrawals.
You are liable for any overdrafts caused by the use of the card.
Even though your account may have a sufficient balance to cover the requested withdrawal, the ATM or merchant where the card is used may not honor the card or the transaction. In this event the Credit Union will have no liability for refusal to honor the card, complete the transaction or retention of the card.
Even though your monthly statement will identify the ATM or merchant at which you used your card, you should retain the receipt furnished at the time to verify with the statement. In the event the slips are lost and you request verification for the transactions, the Credit Union may make reasonable charges for verification of unauthorized or fraudulent use of the card provided you have notified the Credit Union of the card's loss or theft as required by these disclosures.
VISA Check Card merchant transactions are authorized on the available balance in your checking account and may be covered by overdraft protection from your share savings account.
You will not use your ATM/VISA Check Card to overdraw your checking account. However, if you do overdraw, you authorize the Credit Union to cover the overdraft by withdrawing funds from your share savings account or by making a withdrawal from other share accounts on which you are a joint owner. If no funds are available, you will repay upon demand any overdraft, in addition to reasonable attorney and credit Union charges incurred.
Due to the nature of the travel industry, the ATM/VISA Check Card is not recommended for use in securing hotel or auto rental reservations.

Termination of Service
The ATM/VISA Check Card is the property of the Credit Union and will be delivered to the Credit Union immediately upon oral or written request. You may cancel this agreement at any time by notifying the Credit Union in writing. In that event, all rights and obligations for any transaction(s) that occurs before the Credit Union receives notice of cancellation shall be determined by this agreement.

Consumer's Liability for Unauthorized Transfers and Advisability of Prompt Reporting
Any code issued to you is confidential and should not be disclosed to third parties or recorded on or with your ATM/VISA Check Card. You are responsible for safekeeping your access code to any of your electronic services including Money-Line and cyberteller. You agree not to disclose or otherwise make your access code available to anyone not authorized to sign on your accounts. If you fail to maintain the security of this access code and the Credit Union suffers a loss, we may terminate your services immediately.

The limit to your liability for the unauthorized use of your ATM/VISA Check Card may be determined by how it is misused.

If the merchant swiped your card and required a signature, you will NOT be liable for the unauthorized use that occurs after you notify the Credit union orally or in writing, of the loss, theft, or possible unauthorized use. In any case, your liability will NOT exceed $50.

If your card was used at a terminal that required the use of an access code or personal identification number, you must tell us AT ONCE if you believe your ATM/VISA Check Card access code or card has been lost, stolen or compromised. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50 if someone used your ATM/VISA Check Card or access code without your permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM/VISA Check Card or access code, and we can prove we could have stopped someone from using your ATM/VISA Check Card or access code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.

Telephone Number and Address to be Notified in the Event of an Unauthorized Transfer
If you believe your ATM/VISA Check Card or your access code to any card, Money-Line or cyberteller has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at (813) 569-2000 ext. 7, or write to, Lobby Services at 13302 USF Palm Drive, Tampa, Florida 33612 or e-mail us at loan_servicing@usffcu.org.

Definition of Business Days
Each day is a business day with the exception of Saturday, Sunday and Holidays.

Types of Available Transfers
You may use your ATM/VISA Check Card to:
Withdraw cash from your checking or regular savings.
Make deposits to your checking or regular savings where this service is available.
Transfer funds between your checking and savings accounts whenever you request.
Pay for purchases at places that have agreed to accept the ATM/VISA Check Card.

Limitation of Frequency and Dollar Amount of Transfers
You may withdraw up to $200 in any day from ATMs and purchase up to $750 through Point-of-Sale terminals, subject to the available balance in your account and ATM network access. Your ATM withdrawal limit may be approved up to $500. When there are network-to-host communication problems, you may be limited to $200, even if your daily limit is higher. Not all services are available and the dollar limit may be different at some ATMs.
For security reasons, there may be other limits on the number and dollar amounts on point-of-sale terminals and limits on the number of daily purchases using your ATM/VISA Check Card.

Charges for Transfers
Service charges are published in the USF Federal Credit Union schedule for fees available at any of our offices, from our website at www.usffcu.org or upon request.

Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:
Where it is necessary for completing transfers
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 a government agency or court orders
If you give us your written permission

Right to Receive Documentation
TERMINAL TRANSFERS: You can get a receipt at the time you make any transfer to or from your account using an ATM or point-of-sale terminal.
PREAUTHORIZED DEBITS AND CREDITS: If you have arranged to have a debit or credit made to your account, the originator of that transaction is required to send you notification of the transaction under the operating rules of the Automated Clearing House Association, USFFCU is not required to give next day notice of receipt of an ACH item and we will not do so. However, we will continue to notify you of all debits and credits in the periodic statements provided to you. You may use the Money-Line or cyberteller to find out whether or not the deposit has been made or you may phone us at 813-569-2000 ext. 7.
CHOICE OF LOW DISCLOSURE: USFFCU may accept on your behalf debits and credits to your account which process through one or more Automated Clearing Houses and which are not subject to the Electronic Funds Transfer Act. Your rights and obligations with respect to such debits and credits shall be construed in accordance with and governed by the laws of the State of Florida as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.
PERIODIC STATEMENTS: You will get a monthly account statement unless there are no transfers in a particular month. In any case you will get the statement at least quarterly.

Procedures for Stopping Preauthorized Payments
If you have told us in advance to make regular payments out of your account, you can stop any of these payments by calling us at 813-569-2000 ext. 7, or write to, Lobby Services
at 13302 USF Palm Drive, Tampa, Florida 33612 or e-mail us at member_services@usffcu.org in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. A service fee may be assessed for each stop payment you ask us to place. Please check the USF Federal Credit union schedule of fees for the exact amount you will be charged or visit our website
at www.usffcu.org.

Notice of Varying Amounts of Preauthorized Payments
If these periodic payments may vary in amount, the person you are going to pay will tell you at least 10 days before each payment when it will be made and how much it will be. Alternatively, the person you are going to pay may allow you to 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.

Liability for Failure to Stop Payment for Preauthorized Payments
If you order us to stop one of these payments three (3) business days or more before the payment is scheduled to be made, and we do not do so, we will be liable for your losses or damages.

Financial Institution's Liability for Failure to Make Payments
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 normally 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 of credit.
If the ATM where you are making the transfer does not have enough cash.
If the ATM was not working properly and you knew about the malfunction when you started the transfer.
If circumstances beyond our control such as fire or flood prevent the transfer, despite reasonable precautions that we have taken.
Your overdraft line of credit may not be accessible due to an outstanding personal loan balance or an adverse loan condition.

In Case of Errors or Questions about Your Electronic Transfers
If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. You can call our phone center at (813)569-2000 Ext. 7, or write to:

Lobby Services
USF Federal Credit Union
13302 USF Palm Drive
Tampa, Florida 33612, or
E-mail: member_services@usffcu.org

We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number.
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.
Tell us the dollar amount of the suspected error.

If you tell us orally, we require that you send us your complaint or question in writing within 10 business days. We will tell you the result of our investigation within 10 business days (or 20 business days for foreign-initiated transactions and all transfers resulting from point-of-sale debit card transactions) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (or 90 business days for foreign-initiated transactions and all transfers resulting from point-of-sale debit card transactions) to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 business days (or 20 business days for foreign-initiated transactions and all transfers resulting from point-of-sale debit card transactions) 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 10 business days (or 20 business days for foreign-initiated transactions and all transfers resulting from point-of-sale debit card transactions), we may not recredit your account.

If we decide there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation, however we may impose a fee to recover our expense.

Notice Regarding ATM Fees By Others
If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

YOUR ABILITY TO WITHDRAW FUNDS AT USF FEDERAL CREDIT UNION
Our policy is to make at least a portion of the funds from your deposits into any credit union account available to you on the same day as we receive your deposit. At that time, you can withdraw these funds in cash and we will use these funds to pay checks that you have written.

In some cases, we will not make all the funds from your deposit available to you immediately. Depending on the type of check you deposit, funds may be held in your account until the second or fifth business day of your deposit. However, the first $100 of each daily deposit will be made available to you immediately.

Determining the Availability of a Deposit
the length of the delay is counted in business days from the day of your deposit. Each day is a business day with the exception of Saturday, Sunday and holidays. If you make a deposit before closing on a business day, your deposit will be credited the same day. In the event your deposit does require a hold, we will notify you at the time of your deposit. We will also tell you when the funds will be available. Deposits placed in the night depository after 9:00 a.m. will be credited the following business day. Deposits made through an ATM will be available the second business day with the exception of the first $100 of your daily ATM deposit. Your ATM deposit availability may be approved up to $1,000. In the event an item placed in the night depository or ATM requires an additional hold, we will mail you notification the next business day.

Longer Delays May Apply
Funds you deposit by check may be delayed. These delays may be as long as seven days (local items) or eleven days (non-local items). These exceptions would apply under the following circumstances:

The USF Federal Credit Union has reason to believe a check you have deposited will not be paid.
Your deposits total more than $5,000 (on any one day).
You have repeated NSF checks presented against your account.
You redeposit a check that has been returned unpaid.
There is an emergency, such as computer failure.

Special Rules for New Accounts
The following rules will apply during the first 30 days your account is open:

The first $5,000 from the deposit of a Cashier's, Teller's or Certified Check, Traveler's Check, U.S. Treasury Check, state and local government check will be available immediately.
The amount of your deposit over $5,000 may be subject to an eleven business day hold.
Funds from all other check deposits may be subject to a two, five, seven or eleven day hold.
Any deposited item must be made payable to you and deposited into your account.

Large Cash Withdrawal
Cash withdrawals greater than $10,000 may require a minimum of 48 hours advance notice.

Joint Accounts
If any of your accounts accessed under your Membership 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 transactions to or from any share, share draft or loan accounts as provided in this Agreement. Each joint owner, without the consent of any other account owner may, and hereby is authorized by every other joint account owner to 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 transaction on any account from any joint account owner or authorized user.