AGREEMENT AND DISCLOSURES
ELECTRONIC FUNDS TRANSFERS

This Agreement establishes the rules that cover your electronic access to your account(s) at Coconino Federal Credit Union by this Agreement when you enroll in Online Branch. You also accept all the terms and conditions of this Agreement by using the Online Branch. Please read it carefully and retain for your records.

1. Purpose of This Agreement. This Agreement defines your and Coconino Federal Credit Union's (“Credit Union”) rights and responsibilities with respect to transactions. You understand that all agreements and rules and regulations applicable to your accounts and account services, as set forth in this disclosure and otherwise, remain in effect and apply to this Agreement, except as specifically modified in this Section. You agree to abide by this Agreement, and all rules, regulations and instructions of the Credit Union and the networks relating to the use of any Card/Access Device, as amended, modified or revoked. The Credit Union may not offer all services discussed in this Agreement at this time.

2. Types of Electronic Funds Transactions. The Electronic Funds Transactions we are or may be capable of handling in the future are indicated below. Some of these services may not apply to your account(s) and/or some of these services may not be available at all terminals.

a. Automatic Teller Machines (ATMs). The Credit Union may issue to you a VISA debit card and Personal Identification Number ("PIN") to be used to make transactions. You can use your VISA debit card at the Credit Union's ATMs to:

(1) Withdraw cash from the account(s) designated in your Membership Application ("Application").
(2) Check the balances in the account(s) designated in your Application (this is called an "inquiry");
(3) Transfer funds between the account(s) designated in your Application; and
(4) Make deposits at designated ATMs.

b. Debit/Point of Sale Transactions ("POS”) If we approve your Application for a POS/ATM Debit or other electronic Access Device, you may use your Card/Access Device to purchase goods and services at point of sale (POS) terminals designated by the Credit Union and anywhere participating merchants honor your Card/Access Device. Transactions hereunder will be covered by funds deducted from your designated share draft/checking account. Subject to the limitations in the Schedule, you may pay for goods and services (or make certain other transfers if the merchant is a financial institution) at applicable terminals up to the available balance in your designated share draft account and any available credit under your applicable overdraft line-of-credit, and cause that account to be debited for the amount of those purchases. Your available balance in that account may be reduced by the amount of any transaction as soon as the merchant has received authorization from us, even if the documentation evidencing the transaction has not yet been received and processed by us. A merchant is not required to receive prior authorization from us on every transaction. When the documentation has cleared through us, any hold placed on your account for the amount of the purchase or other transactions will be released and your account debited for that amount.

c. Preauthorized Transfer Services. You can authorize the following transactions without the use of an access device issued by the Credit Union: (1) Payments: You can make payments on your loans with the Credit Union directly from your designated accounts; (2) Within Credit Union Transfers: You can arrange to transfer funds between your designated accounts within your member number. You can apply to transfer funds from your accounts to the account(s) of other members; (3) Direct Deposits and Payments: You can authorize persons or companies to make direct deposits or withdrawals to or from your share or share draft accounts for payroll, pension, social security and other types of deposits or payments. You may give other persons or companies written or oral permission to transfer payments from your Credit Union accounts through “ACH” or other electronic means. Such agreements or arrangements are solely between you and the other person or company. The Credit Union shall have no responsibility or liability to you for any such transactions. You should exercise caution in providing such authority and/or information to access your accounts to others. The authority or information you give to others hereunder applies to all “ACH” or other electronic transactions, whether evidenced by any type of writing or converted to a written instrument by the other person (and/or their agents). All such transactions are deemed to be authorized by you.

d. Telephone Transactions. If we approve ARU Telephone Response access service for your accounts, you may access your accounts through ARU Telephone Response with an access code. You must use your member number and access code to access your accounts. You may use ARU Telephone Response service to:

• Obtain account information related to any of your share/share draft and loan accounts regarding current balance, history, dividends, loan interest and payoff amounts, payroll and automatic deductions.
• Make transfers to or from your share/share draft accounts or such accounts you have authorized in writing prior to such transfer request.
• Request advances on your personal line of credit. Proceeds may be deposited in your share or share draft accounts or mailed directly to you at the mailing address listed for your account.
• Withdraw funds from share or share draft accounts by check made payable to you and mailed to you at your mailing address.
• Make loan payments from any share or share draft account to any loan account of yours (except mortgage loans).

e. Electronic Check Conversion -Types of Transfers. Your check or information you convey to a third party can result in an electronic funds transfer. This can happen in several ways. For example:

• You can purchase goods or pay for services and authorize a merchant or service provider to convert your check into an electronic funds transfer.
• At the time you offer a check to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event that the check is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer.
• Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign.
• This can also happen when you provide information from your check or an account to another by telephone, Internet or otherwise, who then converts the information given to an electronic transaction, ACH or otherwise.
• You agree that any such transaction is subject to all applicable terms and conditions set forth in this Electronic Transfers Section of your Membership Agreement.

f. Online Branch. If we approve the Online Branch Service, you may access your accounts through a personal computer (PC) or any device that accesses the internet under the Online Branch with your access device code. You must use your access code along with your account/member number to access your accounts. You may use the Online Branch service to:

• Change your access code/password.
• Obtain account information related to any of your share/share draft and loan accounts regarding current balance, history, dividends, loan interest and payoff amounts, payroll and automatic deductions.
• Make transfers to or from your share/share draft accounts or such accounts you have authorized in writing prior to such transfer request.
• Request advances on your personal line of credit, deposit the proceeds in your share or share draft accounts or have the proceeds mailed directly to you at the mailing address listed for your account.
• Withdraw funds from share or share draft and personal line of credit accounts by check made payable to you and mailed to you at your mailing address.
• Make loan payments from any share or share draft account to any loan account of yours (except mortgage loans).

g. Insufficient Funds Transactions: If your Account balance is insufficient to cover any transaction(s), we may treat these transactions as insufficient funds transactions; or as overdraft requests if you have an approved overdraft protection plan with us. The Credit Union reserves the right to refuse any transaction if you do not have an approved overdraft protection agreement with us, which decision shall be at the Credit Union's sole discretion.

h. Electronic Processing and Transactions: Due to the processing systems for electronic transactions used in the United States and by us, a payment or other transaction may be effective / posted before we are open for business on the date scheduled for the payment or other transaction. Therefore, you are responsible for ensuring that your account(s) have sufficient balances as applicable for the scheduled payment / transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment will occur on the first business day after the due date. In these cases, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time.

i. Bill Pay Services. Bill Pay is an electronic payment service. You may use a personal computer to access the Bill Pay service through our web page on the Internet.

Bill Pay allows you to schedule bill payments electronically. Subject to any regulatory or Credit Union imposed limitations on usage, you can arrange for the payment of your bills from your share draft account. Access to Bill Pay is made available pursuant to a license agreement by and between the Credit Union and a third-party vendor. Any interruption of service or access caused by the vendor will prevent use of the service. To utilize the services, you will need to enter your User ID and assigned Bill Pay Password (“Access Device”) and otherwise satisfy the system’s security procedures. Detailed instructions for use of Bill Pay are contained in the online help menus available while using Bill Pay.

Designation of Account(s). In order to use Bill Pay you must have a share draft account with us. That share draft account, or the one you designate if you have more than one, will be treated as the designated share draft account for transactions accomplished through Bill Pay (Bill Pay Account). Bill payments may only be processed using your Bill Pay Account.

Transaction Modes. Bill payments can be entered on the single payment, multiple payments or recurring payments screens. Using any of these screens, you must enter a payment date or a start and end date, depending on the type of payment, for your bill payment. Bill payments are scheduled by you to be debited from your Bill Pay Account based on the date(s) you enter on one of the bill payment screens. If you designate a payment with a debit date of today’s date, sufficient funds must be available on the day and at the time you request the payment. You may not make payments / transactions to a federal, state or local governmental or tax unit, or pay child-support or alimony, or make payments to other categories of payees that we establish from time to time using our electronic services.

Bill payments can also be scheduled with a debit date in the future, as the system may accommodate. The debit date will be the date you entered, or the next business day should the debit date fall on a weekend or holiday. Sufficient funds must be available the end of business of the last business day before the debit date, but will be deducted from your Bill Pay Account on the debit date entered by you.

If you designate a bill payment as a “Recurring” transaction, you may request, and we will use, a start date that re-occurs on a specified regular basis (i.e., weekly, bi-weekly, monthly, etc). You will designate a “start” and “end” date, or if otherwise appropriate you will choose a “start” date and may choose “indefinite” instead of an end date. Transactions may be canceled or changed prior to 5:00 AM Eastern Time, USA on the debit date. If the debit date is a weekend or a holiday, transactions may be canceled or changed on the last business day prior to the weekend or holiday.

Transaction Processing. Funds will be taken out of your Bill Pay Account on the debit date entered by you. In many cases, your bill payments are electronically delivered to the payee within two (2) business days of the debit date. However, some payees are not set up to accept electronic payment. In these cases, a check will be sent, which may take five (5) business days to process and deliver to the payee. Bill Pay provides an indication of how many business days to allow for each payee you designate. This indication is, however, only an estimate and actual receipt of payment may be longer.

You must allow sufficient time (2 or 5 business days, as indicated) for Bill Pay to receive your request and process the bill payments so that the funds can be delivered to the payee before the payment due date, or for mortgage payments, on or before the due date (the due date shown on your invoice or provided in your agreement with the payee, not taking into account any grace period provided by the payee). If you do not allow sufficient time, you will assume full responsibility for all late fees, finance charges, or other actions taken by the payee.

We are responsible only for exercising ordinary care in making payments upon your authorization and for mailing or sending a payment to the designated payee. We are not liable in any way for damages you incur if: you do not have sufficient funds in your account to make the payment on the processing date; the estimate of time to allow for delivery to the payee is inaccurate; there are mail delivery delays, changes of merchant address or account number; any merchant fails to account correctly for or credit the payment in a timely manner; or for any other circumstances beyond our control.

If Bill Pay is not accessible, you understand we will only accept a verbal notice during normal business hours, or written notice to cancel a Bill Pay transaction if it relates to a payment designated as “Recurring” or with a future payment date. You understand that this notice is acceptable only if it is received at the address / phone number set forth in the Schedule no later than three (3) business days before the scheduled date of the payment. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. If the payment was designated as “Recurring,” the notice must detail whether the cancellation applies to only one of the recurring transactions or all transactions in the recurring stream. There may be a fee associated with canceling a payment as set forth in the Schedule.

Cost. You agree that the Credit Union will draft your designated share draft account for the monthly service fee as set forth in the Schedule.

3. General Rules For Using Your Access Device(s). You acknowledge and agree to the following:

• Your Access Device(s) are for personal use only. You agree not to allow another person to use your Access Device(s).
• You agree not to reveal your PIN/Password(s) to another person and WILL NOT write your PIN/Password(s) on any Access Device(s). You are responsible for all Transactions made by you or anyone else who uses your Access Device(s) with your knowledge and consent. You are also responsible for unauthorized use of your Access Device(s) to the full extent allowed by applicable law. In addition, any person other than yourself who uses your Access Device(s) is responsible for all Transactions they make and for all Transactions made by others with their permission. This does not limit your own responsibility. You agree to be responsible to maintain your Access Device(s) with maximum security.
• You authorize the Credit Union to debit / credit your accounts for all Transactions as if each Transaction were signed by you. Further, you agree that by acceptance or use of your Access Device(s) the Credit Union is authorized to pay from any account necessary to satisfy any Transaction, fee or service charge that results from the use or misuse of your Access Device(s). d. You acknowledge that your Access Device(s) remains the Credit Union's property and agree to surrender your Access Device(s) to the Credit Union or its agent upon demand or through retrieval by any other method.
• You agree to use caution when using any ATM or other electronic terminal or device to complete any Transaction contemplated by this Agreement. You further agree that the Credit Union shall have no responsibility to you or any user, or be liable for any personal injury or property damage, which may occur as a result of any act before, during or after a Transaction or other visit to any ATM or other electronic terminal location. You or any user assume the risk of nighttime use of any ATM or other electronic terminal location or other electronic banking device.
• An Access Device(s) may be issued to any member or joint owner of legal age when qualified under the rules, regulations, and by-laws of the Credit Union. Only one Access Device(s) may be issued to each member or joint owner.
• If your Access Device(s) is lost or stolen, you agree to notify the Credit Union immediately upon discovery of such loss or theft. Replacement of an Access Device(s) may be issued by us at the cost set forth in the Schedule. You agree to pay the Credit Union the fee in effect at the time for all copies that you request from us.
• The Credit Union shall not be responsible for the use or condition of any ATM or other electronic banking terminal or device it does not own. Further, the Credit Union will not be responsible for any failure of an ATM or other electronic banking terminal or device to function except as specifically provided for by law.
• The Credit Union reserves the right to add or delete ATM or other electronic terminal location or other electronic banking devices as it deems necessary.
• You agree to hold the Credit Union harmless in its pursuit to locate, apprehend, and prosecute unauthorized use of any Access Device(s) issued by the Credit Union, and you agree to assist the Credit Union in these efforts.
• The Credit Union reserves the right to make any changes in the daily withdrawal limits it deems necessary.
• The Credit Union is not liable for any claims you may have against a merchant, company or other financial institution arising from use of your Access Device(s).
• The Credit Union cannot stop payment on any point-of-sale Transaction.
• If you incur a charge in foreign currency, the charge will be converted by VISA® International into a United States dollar amount, using the procedures and the operating regulations in effect at the time the Transaction is processed. Those procedures, as amended from time to time, currently provide for either a wholesale market rate or the government-mandated rate in effect one day prior to the processing date, increased by 1%. Because of the fluctuations in foreign currency exchange rates, the conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.
• You agree that by acceptance or use of an Access Device(s), or other Electronic Funds Transfer Services the Credit Union is authorized to pay from any account you have, jointly or otherwise, with the Credit Union any amount necessary to satisfy any transaction, fee or service charge that results from your use or misuse of such services.
• You will not obtain any Access Device(s) to make transactions on your accounts with us that is not issued or approved by us.
• Merchants and others who honor the Access Device(s) may give credit for returns and adjustments, and they will do so by initiating a credit with us, and we will credit that amount to your account.
• You understand that you must keep your share and share draft account open in order for your applicable electronic services to remain valid. You agree to return all Access Device(s) if you close your account(s), or upon our request.

4. Making ATM Transactions. Your PIN will allow you to identify yourself when making an ATM transaction. The presentation of your ATM card together with the input of your PIN constitutes your authorization to the Credit Union to make transactions. You agree to follow all instructions for use of ATMs accessible by your ATM card. Difficulties or complaints concerning the use or condition of any ATM should be reported directly to the Credit Union. Security or safety measures should be reported directly to the owner of any ATM not owned by the Credit Union.

5. Termination and Amendment. The Credit Union reserves the right at any time to terminate your right to make Transactions and to retrieve or ask for the immediate return of any Access Device(s) it deems necessary without prior notice to you. If notification is required by law, notice will be mailed to you at the address shown on the Credit Union's account records. It is the obligation of each member to provide new addresses to the Credit Union.

6. Access Device(s) Revocation. Any Access Device(s) issued by the Credit Union may be revoked without notice to you in the event that any of the following conditions occur:

1. Overdrafts occur as a result of insufficient or uncollected funds on an account.
2. Any transaction that occurs on your account(s) which results in a monetary loss to the Credit Union.
3. Loan, VISA® or other delinquency with the Credit Union.
4. Forced closure of a share or share draft account at the Credit Union due to misuse.
5. Special balance requirements, if any, are not maintained by you.
6. Any other situation in which the Credit Union deems revocation to be in its best interest.

7. Transaction Fees. You are allowed to initiate transactions at any terminal, ATM or other access means owned by the Credit Union or any Network indicated in the Schedule. You may be charged certain transaction and other fees as set forth in the Schedule, which will be automatically debited from your share or share draft account(s). The Credit Union reserves the right to establish and maintain transaction fees and charges, which may be modified from time to time.

Note: Owners of non-Credit Union ATMs may charge fees in addition to any fees disclosed in the Schedule. These fees are generally called a “surcharge.” This is not a fee charged by your Credit Union; however, any such fee will be paid from your account(s).

8. Service Limitations, Limitation or Frequency and Dollar Amounts of Transactions. Transfer Limitations
GENERAL LIMITATIONS GOVERNING THE AMOUNT AND NUMBER OF TRANSACTIONS ARE SET FORTH IN THE SCHEDULE. IN ADDITION, THE FOLLOWING LIMITATIONS ALSO GOVERN YOUR USE OF THESE SERVICES:

1. General Limitations Applicable Accounts. For share savings and money market accounts, if applicable, you may make up to six (6) preauthorized, automatic, telephonic, or audio response transfers to another account of yours or to a third party during any statement period. Of these six (6), you may make no more than three (3) transfers to a third party by check, draft, or debit card. A preauthorized transfer includes any arrangement with the Credit Union to pay a third party from your account upon oral or written orders including orders received through the Automated Clearing House (ACH). There is no limit on the number of transactions you may make in the following manner: (1) transfers to any loan account with the Credit Union; (2) transfers to another Credit Union account or withdrawals (checks mailed directly to you) when such transfer or withdrawal is initiated in person, by mail, or at an ATM. If a transfer request would exceed the transfer limitations set forth above in any statement period, the Credit Union may refuse or reverse the transfer, and your account will be subject to suspension or closure by the Credit Union and the Credit Union may impose a charge.
   Further, we may reduce the limit for "point-of-sale" transactions during any interruption in the electronic connection between the Credit Union and the retail outlet. Further, we may at any time limit or reduce the number or dollar amount of transactions when we, in our sole discretion, deem it in the best interest of the Credit Union.
2. b. Access Device(s) Acceptance. We do not promise everyone will honor your Access Device(s), and we have no obligation to you if anyone refuses to accept your Access Device(s). We are not liable if any merchant, bank, financial institution or other party refuses to honor your Access Device(s), or otherwise fails to provide any services made available to you by Credit Union.
3. POS/Debit/VISA Debit Card Purchases. This limit in the Schedule is in addition to any ATM withdrawals.
4. ATM Transactions. Because of the servicing schedule and processing time required in ATM operations, there is a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. You should review the Credit Union's Funds Availability Policy to determine the availability of funds deposited at ATMs.
5. ARU Telephone Response Service (Audio Response). Your accounts can be accessed under audio response via a touch-tone telephone only. Not all push-button telephones are touch-tone. Audio response service will be available for your convenience seven (7) days per week. This service may be interrupted for a short time each day for data processing. Unless otherwise specified in the Schedule, there is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day, with the exception of the limitations on transfers from share savings accounts, as explained above.
6. Online Branch. You may make Online Branch transactions at any time seven (7) days per week. There may be some down time. Except as is otherwise provided in the Schedule or limits under other agreements with us, you may make fund transfers to your accounts or other accounts you authorize as often as you like; however, there are certain limitations on transfers from share savings accounts, as discussed herein and above. Account balance and transaction history information may not show all account activity involving your accounts. You may not obtain account information related to accounts other than your accounts to which you have requested a transfer.
7. Bill Payer Service. You may make bill payment transactions subject to the limitations in the Schedule. The Credit Union will not process any bill payment transfer if the required transaction information is incomplete. The following may not be accomplished over the phone: User Access Code changes (including passwords); setting up payee accounts; and, except when Bill Pay is not accessible over the Internet, canceling or modifying a Bill Pay transaction.
   The Credit Union may set other limits on the amount of any transaction(s), and you will be notified of those amounts.

9. Your Stop Payment Rights.
a. Preauthorized Transactions:
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 the Credit Union orally or in writing in time for us to receive your request three (3) business days or more before the scheduled date of the transfer. The Credit Union may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do require the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made. This means that the preauthorized payment and future preauthorized payments to the payee you identify may be paid by us from your account(s) after the 14th day.

If you order us to stop a preauthorized transfer three (3) business days or more before the transfer is scheduled, and the stop payment order is made according to the terms and conditions of the account and this Agreement, including the requirement that you give us the exact amount of the debit, the next date of the debit and the exact name of the payee, and we do not do so, we will be liable for your losses or damages proximately caused by our failure.

b. Other Transactions:
Other transactions hereunder are considered contemporaneous. Therefore, you have no right and we have no obligation to stop or to attempt to stop any other transactions.

10. Right to Documentation.
a. Terminal Transactions. You can get a receipt at the time you make any transfer to or from your account using any automatic teller machine or a point-of-sale terminal.
b. Direct Deposits. If you have arranged to have direct deposits made to your accounts at least once every sixty (60) days from the same person or company, the person or company making the deposit will tell you every time they send us the money. You can call or write us at the telephone number or address listed in the Schedule to find out whether a deposit has been made. If the only possible transfers to or from your accounts are direct deposits, you will get a statement from us at least quarterly.
c. Periodic Statements. Transfers and withdrawals transacted through an ATM or POS terminal or ARU Telephone Response, NetBranch or debit card purchase 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.

11. Notice When Amount of Preauthorized Payment(s) Vary. If you preauthorize the Credit Union to make payments to persons or companies other than the Credit Union that vary in amount, then the person or company you are going to pay has the obligation to notify you ten (10) days before each such payment is due and how much it will be. (When required, you must fill out an appropriate agreement with the Credit Union authorizing such payments, the terms of which are incorporated herein). You may choose instead to get this notice only when the payment differs by more than a certain amount from the previous payment, or the amount falls outside certain limits that you set.

12. Liability For Failure to Make a Transaction. If the Credit Union does not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, the Credit Union may be liable for your losses or damages. However, there are some exceptions to this, which include the following:
a. You do not have enough money in your account to make the transaction through no fault of ours.
b. The transaction goes over the credit limit on your overdraft line.
c. The terminal where you were making the transaction does not have enough cash.
d. The terminal or other system was not working properly and you knew about the breakdown when you started the transaction.
e. Circumstances beyond our control (such as fire, flood or electrical failure) prevent the transaction, despite reasonable precautions that we have taken.
f. You have not properly followed instructions for operation of the ATM or system.
g. The funds in your account are subject to legal process or other similar encumbrance.
h. The transaction would exceed one of the established limits contained in this Agreement or by your other agreements with us.
i. Access to your account has been blocked after you have reported your Access Device lost or stolen or you use a damaged or expired Access Device.

13. Information Disclosure. We will disclose information to third parties about your account or the transactions you make: (1) when it is necessary for completing transactions, 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 your written permission.

14. Business Day Disclosure. Our business days are set forth in the Schedule.

15. In Case of Errors or Questions About Transactions. In case of errors or questions about your electronic transfers, telephone us at the telephone numbers or write us at the address listed in either section E, Membership Liability, or at the end of this disclosure, as soon as you can.. (For any errors involving a line of credit account, you must review your Loan Agreement and Disclosure and/or VISA Credit Card Agreement for a description of your rights.) We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. You should provide the following information:
1. Tell us your name and account number.
2. Describe the transaction you are unsure about, and include to the extent possible, the type, date 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 ten (10) business days, at the address listed in this Agreement and Disclosure.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error within one (1) business day after determining that an error occurred.

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 of receiving the error notice, and will inform you, within two (2) business days, after providing the provisional credit, with the amount you think is in error, and the date, so that you will have the use of the money during the time it takes us to complete our investigation. We will correct the error, if any, within one (1) business day after determining that an error occurred. A report of our results will be delivered or mailed to you within three (3) business days after the conclusion of the investigation (including, if applicable, notice that a provisional credit has been made final).

For transactions initiated outside the United States, or resulting from a point-of-sale debit card transaction, we will have ninety (90) calendar days instead of forty-five (45) business days, unless otherwise required by law, to investigate your complaint or question. For transactions on accounts that have been opened less than thirty (30) calendar days, we will have twenty (20) business days instead of ten (10) business days to credit your account, and ninety (90) calendar days instead of forty-five (45) business days, unless otherwise required by law, to investigate your complaint or question.
Special Rules for Provisional Credit for Visa® Debit Card Transactions:

If you believe a Visa® Debit Card Transaction was unauthorized, we will re-credit your account within ten 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 in writing, we need not re-credit your account, or we may reverse any credit previously made to your account, until we have received it. We may withhold provisional credit, to the extent allowed under applicable law, if the delay is warranted by the circumstances or your account history.

16. Your Liability for Unauthorized Transaction. Tell us AT ONCE if you believe your Access Device(s) has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You are responsible for all transfers you authorize using an EFT service under this Agreement. If you permit other persons to use an EFT service or your Access Device(s), you are responsible for any transactions they authorize or conduct on any of your accounts.

Special Notice to VISA Debit Cardholders. If there is an unauthorized use of your VISA Debit Card or an Internet transaction, and the transaction takes place on the VISA network, then your liability will be zero ($0.00). This provision limiting your liability does not apply to either VISA commercial cards or ATM cash disbursements. Additionally, your liability with respect to unauthorized transactions may be greater than the above zero ($0.00) liability limit, to the extent allowed under applicable law, if the credit union reasonably determines, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or card. In any case, to minimize your potential liability you should notify us of any unauthorized use no later than sixty (60) days after your statement was mailed to you.
For all other EFT transactions that require the use of a PIN or Access Code, if you tell us within two (2) business days, you can lose no more than $50 if someone uses your card and PIN or Access Code without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Card, PIN or Access Code, and we can prove that we could have prevented the unauthorized transaction if you had told us in time, you could lose as much as $500. In no event will you be liable for more than $50 for any unauthorized line of credit transaction.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your Card or Access Code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, you must call or write us at the telephone number or address set forth in the Schedule or on the back cover of this booklet.

If a good reason (such as extended travel or hospitalization) kept you from telling us, we may extend these time periods.

17. Reporting A Lost Access Device(s).
If you believe that any Access Device(s) has been lost or stolen or that someone has withdrawn or may withdraw money from your account without your permission, you agree to immediately notify us. You can call the Credit Union or write us at the telephone number or address listed here or the Schedule. If you recover your Card / Access Device(s) after you have notified us, DO NOT USE IT.

SCHEDULE OF ADDITIONAL TERMS // HOME BANKING SERVICES DISCLOSURE

CREDIT TO ACCOUNTS FOR MEMBER DEPOSITS AND BUSINESS DAY DISCLOSURE:

The Credit Union's "daily cut-off time" for Uniform Commercial Code Funds Transfers: All deposits or transactions received after the time we close for business on a day we are open or received after we open our Night Depository, or received on a day on which we are closed for business, will be treated as if received on the next business day that we are open. Our business hours are listed below.

The Credit Union's business day disclosure: Our business days are Monday through Thursday 9:00 a.m. to 5:30 p.m. Friday 9:00 a.m. to 6:00 p.m., excluding holidays. Our Night Depository is opened at 9:00 a.m. daily. (Deposits made after 9:00 a.m. or on a day we are not open will be processed on the next business day we are open).

ELECTRONIC FUNDS TRANSFER SERVICES: LIMITATIONS, FEES, AND OTHER IMPORTANT INFORMATION
On-Line Bill Payment Transaction Processing Generally it will take 2-5 days to process a transaction.

Maximum number of outstanding Authorizations on a Visa Debit Card at any given time is 20

IMPORTANT INFORMATION REGARDING YOUR ELECTRONIC SERVICES:
To Report a Lost or Stolen Visa Debit or Credit Card Device After Hours Call:  1-800-472-3272
Direct All Other Reports, Requests and Inquiries to:
Coconino Federal Credit Union, 2800 S Woodlands Village Blvd. Flagstaff, AZ  86001
Phone: (928) 913-8100 OR Toll Free: 1-800-352-5195