Electronic Fund Transfers Disclosure













ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to 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.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

A • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).

B • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).

C • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check or draft to pay for purchases or pay bills.

D • Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.

OTHER TRANSFER TYPES AND LIMITATIONS

E. Phone Banking Transactions - You may access your account(s) by telephone 24 hours a day at 1-800-939-3899 or 1-800-352-8528 using your personal identification number, a touch tone phone, and your account numbers, to:

• transfer funds between your checking and savings accounts

• transfer funds from KwikCash Account or Home Equity Line of Credit to checking or savings accounts.

• make payments from checking or savings accounts to loan accounts with us

• get information about:

- the account balance of checking or savings accounts

- deposits to checking or savings accounts

- transactions from checking or savings accounts

- the account balance of loan accounts with us

- payments to loan accounts with us

- transactions to loan accounts with us

F. Online (Digital) Banking Transactions - You may access your account(s) through the Internet by logging onto our website at www.capitalcu.com and using your login and password, to:

• transfer funds between your checking and savings accounts, transaction withdrawal limitations apply

• transfer funds between other internal accounts, transaction withdrawal limitations apply

• transfer funds to your external accounts, transaction withdrawal limitations apply. External account transfers are not available to Fresh Start Checking account holders.

• transfer funds from KwikCash Account or Home Equity Line of Credit to checking or savings accounts, transaction withdrawal limitations apply

• make payments from checking or savings accounts to loan accounts with us, transaction withdrawal limitations apply

• Bill Pay from checking accounts to third parties, transaction withdrawal limitations apply transaction withdrawal limitations apply, Bill Pay is not available to Fresh Start Checking account holders

• get information about:

- the account balance of checking or savings accounts

- deposits to checking or savings accounts

- transactions from checking or savings accounts

- the account balance of loan accounts with us

- payments to loan accounts with us

- transactions to loan accounts with us

G. Mobile (Digital) Banking - Online banking from your phone or tablet:

• Free Capital mobile app for Apple or Android devices (Be sure to enroll in Digital Banking before downloading the mobile app.)

• 24/7 account information with any mobile device with internet connection

• Quick access with biometric login options along with Fast Balances

• Deposit checks remotely using Mobile Check Deposit

H. Text Banking - Be sure to enroll in Digital Banking to add this

feature.

bal = Receive account balance for the primary account you enrolled for Text Banking or for a nicknamed account For example, if you gave a nickname to your checking account as chk you could text “bal chk” to get the balance information

bal all = Receive available balance of all of your accounts

hist = Receive history with the last five transactions of your primary account

hist <nickname> = Receive history with the last five transactions of nicknamed account

more = Used with the hist command; when you text hist, it will return the last 5 transactions. To get the next 5 transactions, text more. Texting more again will return the next 5 transactions and so on until there are no additional transactions available on your account

trans <from account> <to account> <amount> = Transfer funds between nicknamed accounts. For example, if you have the account nicknames sav and chk for your corresponding savings and checking accounts, you could text “trans chk sav 5” to transfer $5.00 from your checking account to your savings account

nick = Returns a list of all your account nicknames

help = Returns a list of all commands

stop = This command will unsubscribe you from Text Banking

I. ATM Transactions - You may access your account(s) by ATM using your ATM card and personal identification number or Visa Debit Card and personal identification number to:

• make deposits to checking and/or savings account(s)

• get cash withdrawals from checking or savings account(s)

- you may withdraw no more than $1,020.00 per 24 hours. If you have a Fresh Start checking account, you may withdraw no more than $520.00 per 24 hours.

• transfer funds between checking and savings account(s)

• get information about the balance of your checking and/or savings account(s)

• get cash at an ATM when out of country (only if ATM card is linked to a checking account)

J. Zelle® Transactions - When enrolled, you may send, request, or receive money from other Zelle® users.

• If you exceed your “Within Minutes” limits, you will be able to continue to send money as “Standard” under the Standard limits

• Transaction Amount Limits

- Send Money - minimum $5 per transaction

- Request Money - minimum $5 per transaction

- Other transaction limits including a maximum dollar amount per transaction, daily limits, rolling 30 day limits, and exposure limits apply

• Transaction Count Limits

- Send Money - 15 transactions per day, 30 transactions per month

- Request Money - 10 requests per day, 30 requests per month

• “Exposure Limit” applies to money sent to or requested from a person who is not yet enrolled in Zelle®

• Not available to Fresh Start Checking account holders

• Zelle® is wholly owned by Early Warning Services, LLC and is used herein under license

K. Mobile Check Deposit - Deposit checks into your account with your phone or tablet

• Transactions are encrypted and secure with password protection

• To enroll, log into Mobile Banking and go to the Deposits tab or icon

Some of these services may not be available at all terminals.

L. Point of Sale Transactions (Visa Debit Card) - You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything a participating merchant will accept using your Visa Debit Card, with or without your personal identification number.

- you may not exceed $2,000.00 in transactions per 24 hours using your Visa Debit Card. If you have a Fresh Start checking account, you may not exceed $500.00 in transactions per 24 hours using your Visa Debit Card. Some transfer limitations are not disclosed to maintain the security of our electronic fund transfer systems. Currency Conversion and International Transactions. When you use your Visa Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN.

The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

*Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

FEES

• We do not charge for direct deposits to any type of account.

• We do not charge for preauthorized payments from any type of account.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.

Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (920) 494-2828, or Phone Banking at 1-800-939-3899 to find out whether or not the deposit has been made. This information can also be retrieved by logging into your digital banking at www.capitalcu.com using your login and password.

Periodic statements. You will get a monthly account statement from us for your checking accounts. You will get a monthly account statement from us for your savings accounts, unless there are no electronic transactions in a particular month. In any case, you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. 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 or write us at the telephone number or address listed in this disclosure in time for us to receive your request 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. Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give.

Notice of varying amounts. 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 woulddiffer 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 of preauthorized transfer. 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.

FINANCIAL INSTITUTION'S 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 transfer.

(2) If you have an overdraft line and the transfer would go over the credit limit.

(3) If the automated teller machine where you are making the transfer does not have enough cash.

(4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.

(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

(6) 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:

(1) where it is necessary for completing transfers; or

(2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or

(3) in order to comply with government agency or court orders; or

(4) if you give us written permission; or

(5) as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

• Generally. Tell us AT ONCE if you believe your card and/or code 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 or draft. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft protection amounts, if applicable). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or 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, including those made by card, code or other means, 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.

• Additional Limit on Liability for Visa Debit Card. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Debit Card. In the event these additional limits do not apply (e.g., if you have been negligent or engaged in fraud) the liability limits of Regulation E (described above) apply. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA®. Visa is a registered trademark of Visa International Service Association.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure if you believe a transfer has been made using the information from your check or draft without your permission.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, 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 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.

(1) Tell us your name and account number (if any).

(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 determine whether an error occurred within 10 business days (5 business days for Visa Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) 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 new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) 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, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three 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.

CAPITAL CREDIT UNION
825 MORRIS AVENUE
GREEN BAY, WISCONSIN 54304
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (920) 494-2828 or (800) 728-4294

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST