1. ATM. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Star, Cirrus Networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may use your Card to:
   • Make deposits to your savings and checking accounts at proprietary ATMs only.
   • Withdraw funds from your savings and checking accounts.
   • Transfer funds from your savings account and checking accounts.
   • Make POS (Point-of-Sale) transactions with your Card and Pin (Personal Identification Number) to purchase goods or services at POS terminals that carry Star, Cirrus network logo(s).

   The following limitations on the frequency and amount of ATM transactions may apply:

   • There is no limit on the number of cash withdrawals you may make in any one day.
   • You may withdraw up to a maximum of $510 in any one day, if there are sufficient funds in your account.
   • There is no limit on the number of POS transactions you may make in any one day.
   • You may purchase up to maximum of $510 from POS terminals per day, if there are sufficient funds in your account.
   • For security purposes, there are other limits on the frequency and amount of the transfers available at ATMs.
   • You may transfer up to the available balance in your accounts at the time of the transfer.
   • See Section 2 for transfer limitations that may apply to these transactions.

2. Visa Check Card. You may use your Card to purchase goods and services any place your Card is honored by participating merchants. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminal all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Star, Cirrus Networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to:
   • Withdraw funds from your checking accounts.
   • Transfer funds from your savings and checking accounts.
   • Obtain balance information for your savings and checking accounts.
   • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa.
   • Order goods or services by mail or telephone from places that accept Visa.

   The following limitations on the frequency and amount of VISA Check Card transactions may apply:

   • There is no limit on the number of VISA Check Card purchases you make per day.
   • Purchase amounts ate limited to the amount on your account, up to a maximum of $2010.
   • There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine.
   • You may withdraw up to a maximum of $510 in any one day from an ATM, if there are sufficient funds in your account.
   • You may transfer up to the available balance in your account at the time of the transfer.
   • See Section 2 for transfer limitations that may apply to these transactions.

3. ToneLine (Audio Response). If we approve the ToneLine audio response access service for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with you account number to access your accounts. At the present time you may use the audio response access service to:
   • Withdraw funds from your savings, checking and money market accounts.
   • Transfer funds from your savings, checking and money market accounts.
   • Obtain balance information for all your savings and checking accounts or interest paid on loan accounts.
   • Verify the last date and amount of your payroll deposit.

   Your accounts can be accessed under the ToneLine audio response service via a touch tone telephone only. ToneLine service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing.

   • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day.
   • See Section 2 for transfer limitations that may apply to these transactions.

   The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do no have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.

4. Preauthorized EFTs:
   • Direct Deposit. Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposit of your paycheck or of federal recurring payments, such as Social Security, to your savings or checking account.
   • Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your savings and checking account.
   • See Section 2 for transfer limitations that may apply to these transactions.

• For all Money Market accounts, no more that six (6) preauthorized, automatic, or telephone transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month, an no more that three (3) of these (6) six may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.

1. Ownership of Cards. Any Card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or account to another person.
2. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund.
3. Security of Access Code. You may use one or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the Card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.
4. Joint Accounts. If any of your accounts accessed under this 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 EFT transactions to or from any savings and checking 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 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 EFT transactions on any account from any joint account owner.

1. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal. Debit Card transactions, audio response transactions or preauthorized EFTs will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.
2. Terminal Receipt. You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal, or Debit Card transaction with a participating merchant.
3. Direct Deposit. If you have arranged to have a direct deposit made your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (703) 913-0700. This does not apply to transactions occurring outside the United States.

• As necessary to complete transfers;
• To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
• To comply with government agency or court orders; or
• If you give us your permission.

1. Liability for Direct or Consequential Damages.
   • If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.
   • If you used your Card or access code in an incorrect manner.
   • 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 problem when you started the transaction.
   • If circumstances beyond your control (such as fire, flood, or power failure) prevent the transaction.
   • If the money in your account is subject to legal process or other claim.
   • If funds in your account are pledged as collateral or frozen because of a delinquent loan.
   • If the error was caused by a system of any participating ATM network.
   • If the electronic transfer is not completed as a result of your willful or negligent us of your Card, access code, or any EFT facility for making such transfers.
   • If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction.
   • Any other exceptions as established by the Credit Union.

2. Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account (s) for money you owe others, you may stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made.
3. Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (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.
4. Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your loss of damages.

• Be aware of your surroundings, particularly at night.
• Consider having someone accompany you when the ATM or night deposit facility is used after dark.
• If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.
• Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.
• If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your Card or deposit envelope, and leave.
• If you are followed after making a transaction, go to the nearest public area where people are located.
• Do not write your personal identification number code on your ATM Card.
• Report all crimes to law enforcement officials immediately.

• Tell us your name and account number
• Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.
• 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 ten (10) business days.

We will tell you the results of our investigation within 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 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 the 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.

If we decide 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. * 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 10 business days.

** 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 transaction, or notice of an error involving a transaction initiated outside of the U.S. its possessions and territories, we will have 90 days instead of 45 days to investigate.

• If the error you assert is an unauthorized Visa transaction, other than cash disbursement at an ATM, we will credit your account within 5 business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days.