Disclosures

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 One Vision Federal Credit Union (“One Vision or Credit Union”). In this Agreement, the words “you,” “you’re,” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we,” “us,” and “our” means the Credit Union. The word “account” means any one or more share and share draft accounts you have with One Vision. Electronic funds 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 service, 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. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R. part 1005 part B – Requirements for remittance transfers, and consequently, terms of this agreement may vary for those types of transactions. A “remittance transfer” is an electronic transfer of funds of more than $15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and will be disclosed to you at the time such services are requested and rendered in accordance with applicable law.

EFT Services – If approved, you may conduct any one or more of the EFT services provided by One Vision. The following governs any electronic fund transfer (“Transaction”) made by you, or anyone authorized by you, in connection with your accounts at the One whether initiated by an Automated Teller Machine (“ATM”) or debit card (“Card”), by pre-authorized transaction (transfers authorized on a one-time or recurring basis), by electronic check conversion, by phone audio response, via online banking, mobile banking, Bill Payment, or by other means of access provided now or in the future. We will issue you a Personal Identification Number (“PIN”) (that you may change to a PIN of your choice) which must be used together with the Card to access our own ATMs or the regional network of ATMs or the national network of ATMs or Point-of-Sale Terminals (“POS”). Another PIN (that you may change to a PIN of your choice) will also be necessary to access such services as phone audio response, online banking, mobile banking, and other electronic systems made available now or in the future to perform Transactions on your Credit Union accounts.

AGREEMENTS. Transactions may only be performed while your accounts have sufficient balances to complete the Transaction requested. Wrongfully obtaining funds from the Credit Union by use of a Card or PIN constitutes a federal criminal offense, punishable by fine or imprisonment, or both. All terms and conditions of any written agreements that have been previously made between you and the Credit Union regarding the use of the Card and PIN and any of your Credit Union accounts apply to all Transactions, unless any terms or conditions in those agreements conflict with the rules and regulations set forth in this disclosure, in which case the rules and regulations of this disclosure shall control. All Transactions, whether deposits, withdrawals, or transfers, made with the Card or PIN are subject to verification by us. Any card or other instrument issued by us shall supersede the present instruments.

PROPERTY RIGHTS. The Card and the PIN are property of the Credit Union and your right to use these in connection with your Credit Union accounts may be terminated at any time without notice. You will surrender your Card or cease to use your PIN whenever we ask for them. You will not allow any other person possession or use of the Card or PIN. It is your responsibility to prevent disclosure and unauthorized use of your Card and your PIN. If you allow any person to use your Card or your PIN, then you will be held liable for any of their use by that person, unless you notify us that the individual is no longer authorized by you to make Transactions on your accounts. We will, as soon as possible after notification, block further Transactions on your account.

CHANGES. We reserve the right to change or add to these rules and regulations at any time, upon giving you reasonable notice at least 21 days prior to the effective date of the change. Such notice may consist of enclosing a notice on or in the statement of the account or mailing a notice in a special mailing. Notice to any joint account holder of the Card or PIN is notice to all of you. In the event we determine that an immediate change is necessary to maintain or restore the security of the electronic fund transfer services or to any account, then we may make the necessary change without advising you in advance. We can delay enforcing any of our rights against you without losing them

Electronic Funds Transfer Disclosure

YOUR OBLIGATIONS. You are responsible for all transactions you authorize using your EFT services under this Agreement. 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. It is very important to keep your PIN confidential and separate from your Card to prevent someone from using it to make Transactions without your permission. However, TELL US AT ONCE if you believe your card and/or PIN has been lost or stolen, , if you believe someone has used your card or access code or otherwise accessed your accounts without your permission, 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 you believe your Card or PIN has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.

TELL US AT ONCE, if your statement shows transfers that you did not make. 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 a hospital stay) kept you from telling us, we will extend the time periods.

Mastercard Disclosure. – You will have no liability for unauthorized use of your MasterCard, provided that you have exercised reasonable care in safeguarding the Card from risk of loss or theft, and upon becoming aware of such loss or theft, you promptly report the loss or theft to us at One Vision Federal Credit Union (800.523.4175). MasterCard’s zero liability policy does not apply to MasterCard-branded cards issued for commercial, business or agricultural purposes, except for MasterCard commercial cards used for small business as listed on www.mastercardbusiness.com. MasterCard’s policies are subject to change. For more information, visit MasterCard’s Zero Liability website at www.mastercard.com/zeroliability. This additional limit on liability does not apply to ATM Transactions or to Transactions using your PIN which are not processed by STAR.

NOTIFICATION OF LOSS. If you believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (812) 945-4600; or after business hours for your Debit MasterCard® or ATM Card at 1-800-523-4175; or write: Member Services, One Vision Federal Credit Union, PO Box 2007, Clarksville, IN 47131-2007.

BUSINESS DAYS. Our business days are Monday through Friday. Federal and credit union holidays are not included.

ACCOUNT ACCESS. Indicated below are types of Transactions we are capable of handling, some of which may not apply to your account. The information disclosed to you upon receipt of your Card or PIN will control as to access available to you. These Transactions may be at an ATM or POS, through phone audio response, online banking, mobile banking, by other means of access provided now or in the future, or any other terminal or device provided now or in the future that is initiated by use of your Card or PIN or both, including:

Withdraw cash from your Share Draft or Savings Accounts.
Make deposits to your Share Draft or Savings Accounts at locations so designated to receive deposits.
Transfer funds between your Share Draft and Savings Accounts whenever you request.
Pay for purchases or services at places that have agreed to accept the Card or PIN.
Balance inquiries for a current amount in your Share Draft or Savings This figure may not agree with your records, as some withdrawals, share drafts, or deposits may not yet be posted to your account.
Use of information from a share draft to make a one-time ACH or POS withdrawal from your account.
Some of these services may not be available at all terminals.

LIMITATIONS. You may make unlimited transfers up to the amount of funds in your Share Draft Accounts through the ATM, POS, home banking, in person or telephone during any one-business calendar day. You may make up to six (6) transaction up to the amount of funds in your Savings Account through ATM, home banking, in person or telephone during any one month. You also may make unlimited deposits. However, you are limited in the amount of combined cash withdraws you may make per day per Card. These limits are determined by your credit score or under the age of 18 as follows:

	ATM Limit	POS Limit
Normal Limits	$500	$1,000
Scores 550-599	$300	$500
Scores 549 or less	$100	$300
Under 18	$300	$500

During any interruption of the electronic services system (“off-line” situation), the dollar amount and frequency of Transactions may be reduced.

PRE-AUTHORIZED CREDITS. You may make arrangements for certain direct deposits to be accepted into your Share Draft or Savings Accounts.

FEES. There are certain fees and charges for EFT services. For a current listing of all applicable fees, see our current Schedule of Fees and Charges that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. If you need information concerning fees for your Accounts, please request a Fee Schedule by calling (812) 945-4600; or writing Members Services, One Vision Federal Credit Union, PO Box 2007, Clarksville, IN 47131-2007.

We do not charge for direct deposits, preauthorized payments, or transfers to any type of account.

When you use an ATM that is not operated by us or by an Alliance One participant, you may be charged a fee by the ATM operator of the machine or by an automated transfer network used to complete the transfer and you may also be charged a fee for a balance inquiry.

THIRD PARTY DISCLOSURE. We will disclose information to third parties about your account or transfers you made as follows:

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; or
In order to comply with a government agency or court orders; or
If you give us your written permission.

ACKNOWLEDGMENTS. You will receive certain documentation.

Terminal Transfers. You may 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.

Pre-Authorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from any company, individual, or the government, you may call us at (812) 945-4600 to find out whether or not the deposit has been made.

Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, debit card transactions, audio response transactions, preauthorized EFTs,

online/PC transactions, mobile access device transactions or bill payments you make will be recorded on your periodic statement. You will receive a monthly statement of your Share Draft Account unless there are no transfers in a particular month. In any case you will get the statement at least quarterly. You will receive a monthly statement on your Savings Account unless there are no electronic funds transfer monetary Transactions in a particular month. In which case, you will receive a quarterly or annual statement on your Savings Account.

PRE-AUTHORIZED PAYMENTS. If you have a written agreement with One Vision or any company so authorized to initiate such agreement on your account, then we will debit your account as you ordered with the following conditions.

Right to Stop Payment. If you told us in advance to make regular payments out of your account you can stop these payments. Here’s how:

Call us at (812) 945-4600; or write: Members Services Officer, One Vision Federal Credit Union, PO Box 2007, Clarksville, IN 47131-2007, in time for us to receive your request 3 business days or more before the payments 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. There may be a fee associated with the stop payment, see the Fee Schedule for details.

Notice of Varying Amount. If these regular payments may vary in amount, the person you are going to pay will tell you, 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.

Liability for Failure to Stop Payment. If you order us to stop one of these payments 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. This liability will be limited to the dollar amount of the transfer plus any fees and charges which may result from the transfer.

OUR OBLIGATIONS. 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 direct or consequential damages in the following events:

If, through no fault of ours, you do not have enough money in your account to make the transfer.
If, when applicable by prior agreement, the transfer would go over the limit on your overdraft line.
If the equipment that you are using does not have enough cash to complete the transaction.
If the terminal or system was not working properly and you knew about the breakdown 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.
If the machine malfunctions or ceases to operate during a transaction.
If you make a mistake using the ATM, Point-of-Sale, or any other terminal device provided now or in the future.
If we correct the error before the error causes you any actual damage.
If funds in your account have been attached, garnished, levied against or we are prohibited by law from paying on your account.
There may be further exceptions stated in agreements with you, which may be changed from time to time without notice to you.

NOTICES
All notices from us will be effective when we have mailed them or delivered them to the appropriate address in the Credit Union’s 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.

Error Resolution Notice

In case of questions or errors about your Transactions, call or write us as soon as you can. If you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt, notify us as soon as you can during business hours:

Call: (812) 945-4600; or write: Member Service Officer, One Vision Federal Credit Union, PO Box 2007, Clarksville, IN 47131-2007.

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

Tell your name and account number; and
Describe the error or 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; and
Tell the dollar amount or suspected error.

If we receive your complaint orally, you must follow-up in writing within 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.

* 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.

** 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 point-of-sale (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.

Business Accounts that are issued Debit Cards do not have the same rights as a consumer debit cards since Business accounts do not fall under Regulation E, however any other error with the account will be taken care of within 10 business days. The Business Account is responsible for any fraudulent activity that may occur on the debit cards issued under that account.

Wire Transfer Disclosure

According to the Bylaws of the Credit Union, Article 4A of the Indiana Uniform Commercial Code (“UCC”), and Subpart B of Regulation J by the Board of Governors of the Federal Reserve (“Reg J”), the following disclosure governs the movement of funds by means of wire transfers, automated clearinghouse (“ACH”) credits and some book transfers on the Credit Union records.

This disclosure sets forth the duties, responsibilities, and liabilities of all parties involved in a funds transfer. Using the Credit Union to send or receive funds transfers shall constitute your acceptance of these terms.

To the extent that the terms of this disclosure are in conflict with any other disclosure previously presented to you concerning the terms and conditions of your membership and your accounts, the terms set forth in this disclosure shall control.

This disclosure applies to funds transfers as defined in Article 4A of the UCC and Subpart B of Reg J.

The Credit Union may establish or change cut-off times for the receipt and processing funds transfer requests, amendments, or cancellations. Unless other times are posted for various types of fund transfers, the cut-off time will be at 3:00 p.m. on each day the office is open and which is not a declared federal holiday by the Federal Reserve Board. Payment orders, cancellations, or amendments are received as of the next following funds transfer business day and are processed accordingly.

The Credit Union may charge your account for the amount of any funds transfer initiated by you or by any person authorized by you as joint tenant or other authorized party with the right of access to the account from which the funds transfer is to be made.

The Credit Union may establish, from time to time, security procedures to verify the authenticity of payment order. You will be notified of the security procedure, if any, to be used to verify payment orders issued by you or for which your account will be liable. You agree that the authenticity of payment orders may be verified using that security procedure unless you notify the Credit Union in writing that you do not agree to that security procedure. In that event, the Credit Union shall have no obligation to accept any payment order from you or other authorized parties on the account until you and the Credit Union agree, in writing, on an alternate security procedure.

If you send or receive a wire transfer, Fedwire may be used. Regulation J is the law covering all Fedwire transactions, setting forth your rights and liabilities in a wire transfer involving Fedwire.

If you give the Credit Union a payment order which identifies the beneficiary (“recipient of the funds”) by name and identifying or account number, you are responsible to the Credit Union if the funds transfer is completed on the basis of the identification or account number you provided. This is true if the beneficiary’s financial institution credits the transaction based only on the identifying or account number, even if it the name on the account is a person different than the named beneficiary.

If you give the Credit Union a payment or which identifies an intermediary or beneficiary’s financial institution by name and identifying number, a receiving financial institution may rely on the number as the proper identification even if it identifies a different person than named by the financial institution. Therefore, you are responsible for any loss or expenses incurred by a receiving financial institution which executes or attempts to execute the payment order in reliance on the identifying number you provided.

The Credit Union may give you credit for ACH payments before it receives final settlement of the transfer funds. Any such credit is provisional until the Credit Union receives final settlement of the payment. You are hereby notified and agree, if the Credit Union does not receive such final settlement, that it is entitled to a refund from you of the amount credited to you in connection with that ACH entry. Therefore, you are responsible for funds advanced to you prior to final settlement, and may, if the funds are not actually received by the Credit Union, must repay any funds advanced on your behalf. ACH transactions are governed by operating rules of the National Automated Clearing House Association. In accordance with these rules, you will receive notice of receipt of ACH items in the periodic statements of your account.

If the Credit Union received funds transfer for you or for other persons authorized to have access to your account, you agree that the Credit Union will provide you with notification of the receipt of all funds transfer by including such items in the periodic statements of your accounts which we provide. You may inquire between receipts of your periodic statements whether or not a specific funds transfer has been received.

If the Credit Union becomes obligated under Article 4A to pay interest to you, you agree that the rate of interest to be paid shall be equal to the declared and calculated rate applicable to the account at the Credit Union to which the funds transfer should have been made or from which the funds transfer was made.

By participating in any such transaction named herein, is in itself your acceptance of these rules, policies, and procedures and any other policy or procedure set forth to you at the time of the transaction.

Funds Availability Disclosure

YOUR ABILITY TO WITHDRAW FUNDS

Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 5:00 P.M. E.S.T. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 5:00 P.M. E.S.T. or on a day we are not open, we may consider that the deposit was made on the next business day we are open, including deposits made in Night Depositories located on the premises of the Credit Union offices

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $200 of your deposits to a draft account will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees (such as through the night depository, or by mail), or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds would be available.

In addition, funds you deposit by check may be delayed for a longer period under the following conditions:

We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You deposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the ninth business day after the day of your deposit.

OTHER DISCLOSURES

You authorize the exchange of information concerning you or your financial transactions among us and those companies providing services to us. You agree that we may disclose information according to law to third parties seeking information about your account. We may release information according to your written and signed instruction of general or specific nature. You also agree to cooperate with us in any record keeping and reporting which we believe to be necessary to fulfill government requirements.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

TERMINATION OF EFT SERVICES

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.

GOVERNING LAW

This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Indiana, 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.

ENFORCEMENT

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’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions.

Error Resolution

ERROR RESOLUTION NOTICE
In case of questions or errors about your Transactions, call or write us as soon as you can. If you think your statement or receipt is wrong or if you need more information about a transfer listed on your statement or receipt, notify us as soon as you can during business hours:

Call: (812) 945-4600; or write: Member Service Officer, One Vision Federal Credit Union, PO Box 2007, Clarksville, IN 47131-2007.

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

Tell your name and account number; and
Describe the error or 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; and
Tell the dollar amount or suspected error.

If we receive your complaint orally, you must follow-up in writing within 10 business days.

* 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.

Complaint Notice

If you have a problem with the services provided by this credit union, please contact us at:

One Vision Credit Union
206 W. Lewis and Clark Parkway
Telephone Number: (812)-945-4600
Email: onevisionfcu@onevisionfcu.org

The credit union is under the jurisdiction of the National Credit Union Association. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the National Credit Union Association either in Person, U.S. Mail, or by visiting the website:

National Credit Union Association
Office of Consumer Protection
1775 Duke Street
Alexandria, VA 22314
https://www.mycreditunion.gov/office-consumer-financial-protection