Home Teller Disclosure Statement Account Access: You may access your account using our Home Teller any time, seven (7) days a week, twenty-four (24) hours a day through the Internet at www.ishpemingcu.org. There may be some down time for data processing maintenance. Information: You may perform account balance inquiries, transfer funds between accounts, account history inquiries, account information and loan information. Periodic Statement: You will receive a monthly statement on your account unless there are no transactions in a particular month in which event you will receive a statement at least yearly. Errors: In case of errors on your electronic transfers, you may write us at: Ishpeming Community Federal Credit Union, 215 West Hematite Drive, Ishpeming, Michigan 49849, Att’n: Home Teller or phone us at (906)485-5563 (local) or 1-(877)MY-ICFCU. We must hear from you within sixty (60) days after we sent the first statement on which the problem or error appeared. We will need the following information: 1) Your name and account number, 2) Description of the error or transfer you are unsure about, 3) The dollar amount of the suspected error. If you tell us orally, we may request 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 ten (10) business days after we hear from you and will correct the error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes to complete our investigation. If we decide there was no error, we will send you a written explanation within three (3) business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation. We may impose a charge to your account to recover our investigation expenses if no error occurred. Business Days: Our business days are Monday through Friday, excluding credit union holidays. Your Liability: You must tell us at once if you believe your user personal identification number (PIN) has been lost, stolen, or otherwise compromised. Telephoning us is the best way of keeping your personal losses down. If you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your PIN without permission. If you do not tell us within two (2) business days after you learn of the theft or loss of you personal identification number and we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transactions that you did not make, tell us at once. If not, you may not get back any money you lost after the sixty (60) days if we can prove that we could have prevented the loss if you had told us. To Report Lost or Stolen PIN’s: If you believe your PIN has been lost, stolen or otherwise compromised or that someone has or may make an unauthorized transfer or withdrawal from your account, call (906)485-5563 (local) or 1-877-MY-ICFCU or write: Ishpeming Community Federal Credit Union, 215 West Hematite Drive, Ishpeming, Michigan 49849, Att’n: Home Teller or you may send us an email to ishpemingcu@chartermi.net. Liability for Failure To Make Transfers: If we do not complete a transfer 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 resulting from this failure to act. However, there are some exceptions. We will not be liable: 1) If through no fault of ours, you do not have available funds to make the transfer, 2) If the system was not working properly and you knew of the breakdown when you started the transaction, 3) If the Home Teller system fails to perform your transaction due to a mechanical or software malfunction beyond our control, 4) If your account is flagged for a lost/stolen PIN or unauthorized transaction on the account, 5) If circumstances beyond our control, such as, fire or flood, prevent the transaction despite reasonable precautions we have taken, 6) Any other exceptions related to other agreements we may have with you. Termination or Amendments: Access to PC Home Teller Service may be denied or terminated at any time. If your access to PC Home Teller is denied or terminated, you will be notified in writing as to the reason. We may amend the terms of this agreement after required written notification. (Notices will be mailed at least 21 days prior to any changes.) 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. Miscellaneous: All credits for items are provisional and accepted subject to the provisions of the Uniform Commercial Code. Except as governed by Federal Law, this agreement shall be construed and governed in accordance with the laws of the state of Michigan. Account Information: We may disclose information to third parties about your account or the transactions you make: 1) When it is necessary for completing transfers or, 2) In order to verify 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. Transfer Charges: We will not charge you an special fees for using our Home Teller service or for any electronic funds transfer services other than normal service charges for share and deposit accounts. We , however, do reserve the right to institute charges in the future. Limitations: This institution has the right to limit the frequency or amounts of withdrawals.