disclosurecontinued

ELECTRONIC FUNDS AGREEMENT & DISCLOSURE
In this agreement, the words "you" and "your" mean the accountholder or holders. The words "we",
"our" and "HSCU" mean the card issuer, Health Systems Credit Union. As an accountholder, you
agree to follow the terms and conditions of this agreement, as amended from time to time if:

You have applied for, accepted or used a Health Systems Credit Union Debit/Check card

(also called automated teller machine card or ATM card).
*You have authorized automatic payments, either deposits or withdrawals, to or from your HSCU account.

You have requested the transmitting of funds from your account or are in receipt of funds to your account

by wire transfer.
Under this agreement HSCU is authorized to make all deposits, withdrawals, transfers, payments to or from your account according to your automatic deposit or payment instructions, including automatic clearing house (ACH) transactions and transactions made with your Debit/ATM card. All electronic funds transfers are subject to the provisions on your account signature agreement. HSCU can amend this agreement at any time. If the law
requires us to notify you in a certain way, we will do so. The Debit/ATM card is our property, and we can
cancel it at any time and end your privileges. If we cancel this agreement the cards must be returned to HSCU.
We may also revoke your electronic transaction privileges at any time, without notice, cause, or liability to you and without affecting your outstanding obligations under this agreement. If the account is a joint account, each of you, separately, and both of you together are responsible for complying with this agreement and any amendments.
If we have to notify you of anything concerning your electronic transactions we will use your name and address
as it appears in our records.
FEES AND CHARGES
There may be a charge for unscheduled (lost, stolen, abused, etc.) replacement of a debit/ATM card. This
charge will be automatically debited from the transaction account linked to your card. Fees are assessed for wire transfer. Other fees may be implemented as appropriate. Please refer to our fee schedule for a complete
listing of fees and charges.
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 a automated transfer network.
BUSINESS DAYS AND HOURS:
Main Office:
Monday, Tuesday, Thursday 9:00a.m. - 4:30p.m.
Wednesday 9:00a.m. - 2:00p.m.
Friday lobby hours 9:00a.m. - 4:30 p.m. drive thru 9:00a.m. - 6:00p.m.
St. Mary's Health Systems Office:
Monday and Friday 9:00a.m. - 1:00p.m.
East TN. Children's Hospital Office:
Tuesday and Thursday 9:30a.m. - 3:30p.m. closed for lunch 1:00p.m. - 1:30p.m.
ACCOUNT STATEMENTS:
You will receive a monthly statement on your checking account. If you have debit/ATM activity or a
preauthorized transfer, to or from your account, you will also receive a monthly statement. If you have a
debit/ATM card or a preauthorized payment and no monthly activity you will receive an account statement
quarterly. You will receive a monthly statement on your savings account if you use your debit/ATM card. If
you use your debit/ATM card you will also receive a receipt at the electronic terminal. In any case you will
receive the statement at least quarterly.
LOSSES OR DAMAGES:
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:

If, through no fault of HSCU, the available balance in your account is not sufficient to make the transfer

per our depositor agreement.
*If the ATM where you are making the transfer does not have enough cash or is otherwise temporarily
closed for service
*If the terminal was not working properly and you knew about the breakdown when you started the transfer.
*If circumstances beyond our control prevent the transfer, despite reasonable precautions that we have taken.
*If there are funds in your account subject to legal process or lien.
*If there has been incomplete or inaccurate information forwarded by the third party payor or payee.
*If your account has been blocked due to a reported lost or stolen debit/ATM card
*If your account has been closed.
*If there are other exceptions which may apply.
INFORMATION DISCLOSURE:
We will disclose information to third parties about your account or accounts or the transfers you make
under the following circumstances:
*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 government agency, court orders or credit union regulatory agencies requests.
QUESTIONS OR ERRORS:
If you have questions about your electronic transactions or believe there has been an error please call
HSCU at (865) 689-6152 or write to:
Health Systems Credit Union
4005 N. Broadway
Knoxville, TN 37917
Let us know at once if you believe your statement or receipt is in error or if you need additional information
about a transaction shown on the statement or receipt. However, we must hear from you no later than 60
days after we send you 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 may require that you send us your complaint or question in writing within 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. However, if we need more time we may take up to 45 days to investigate your
complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the
amount you think is in error, or, if the amount you think is in error is the result of "unauthorized use" we will
re-credit your account within 5 business days for the amount you think is in error, or, if the error involves a point
of sale with a debit card or a transaction outside the U.S. we will re-credit your account within 20 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
10 business days, we may not re-credit your account. If we decide that there was no error, we will send you a
written explanation within 3 business days after we finish our investigation. You may ask for copies of the
documents that we used in our investigation.
ELECTRONIC DEPOSITS:
If you have arranged to have direct deposits made to your account(s) at least once every 60 days from the
same person or company, you can call HSCU to find out if the deposit has been made, HSCU may defer
posting credits received after 4:00p.m. EST until the next business day. ACH payments are provisionally
credited until HSCU actually receives payment.
LIMITATIONS:
Electronic payments and transfers from your share (savings) accounts are limited to a maximum of six (6)
per calendar month. These transfers include preauthorized, automatic (such as overdraft protection transfers),
or telephone transfers. If you violate these transfer limitations, we may, in our sole discretion, do one of the following:

Prevent payment of automatic electronic or other transfers which exceed these limitations.
Close the account.
Restrict or remove your capability to make or authorize automatic electronic or other transfers from your account.

Electronic payments and transfers from you share draft (checking) account are not limited.
Limitations on card use:
*24-Hour Teller Limits: Our standard daily withdrawal limit through the ATM system is $200 per business day or
your account balance, whichever is less.
*Debit Card Limits: There is no limit to the number of times you may use your debit card. The limitation on the
amount is the collected balance of your primary selected account, which is normally your share draft/checking
account or $750 in one business day.
NOTE: We have the right to return any share draft/check or other item drawn against your account to ensure
that funds are available to pay for Debit/ATM card transactions.
STOPPING A PAYMENT:
If you have told HSCU in advance to make regular electronic payments to someone out of your account, you
may stop any of these payments. To stop a payment, call or write (phone number and address may be found
at the beginning of this disclosure) HSCU in time for us to receive your request three (3) business days or more
before the payment is scheduled to be made. In your request, give us your name, your account number, the
scheduled date and amount of the payment, and the name of the person or company who was to receive the
electronic payment. If you call, you must also put your request in writing and we must receive the written request
within 14 days of your call. There is a stop payment fee (refer to separate fee schedule for amount) for each withdrawal that attempts to clear your account. A stop payment request will stop only that particular payment from being made.
If you want all future scheduled payments to be canceled, you must notify the person or company with whom
you had agreed to make these payments. If you order us to stop any electronic payment three (3) business days or more before the electronic payment is scheduled to be made, and we do not do so, we will be liable for your losses or damages.
ELECTRONIC PAYMENTS VARYING IN AMOUNT:
If a regular electronic payment varies in amount, the person or company to be paid will tell you, ten (10) days
before each payment, when it will be and/or how much it will be. You may choose instead to receive this notice only when the electronic payment will differ by more than a certain amount from the previous payment, or when the amount will fall outside certain limits which you set.
E-CHECK CONVERSION
You can instruct a merchant to use your personal check to initiate a one-time electronic debit from your account.
UNAUTHORIZED ELECTRONIC PAYMENTS:
You are required to inform us of any unauthorized electronic funds transfers within sixty (60) days of receiving your statement. If we are not notified and we can prove that notification within sixty (60) days would have prevented further losses, you as the account holder may be responsible for the amount (unlimited) of any unauthorized transfers made after the sixty (60) day period but prior to your notifying HSCU (plus the amount of unauthorized transfers made during the sixty (60) days up to $50). If a good reason (such as extended trip or a hospital stay) keeps you from notifying us, we will extend the period to a reasonable time. An unauthorized transfer does not include a transfer made by a person you voluntarily gave your debit/ATMcard and PIN (Personal Identification Number or secret number) to, even if that
person does not follow your instructions. If you furnish your debit/ATM card and PIN to another person, you will
be liable for all transactions made by that person through use of the card prior to the time you notify us that
transactions by that person are no longer authorized.
Contact:
Any Member Service Representative
Health Systems Credit Union
4005 N. Broadway
Knoxville, TN 37917
Phone (865) 689-6152

FUNDS AVAILABILITY DISCLOSURE

ELECTRONIC FUNDS AGREEMENT