This disclosure provides information about Sherwin-Williams Credit Union Virtual Branch® Internet Banking and BillPay service. By using these services you agree to the terms and conditions stated below, and any other terms and conditions and disclosures provided to you in conjunction with these services and your accounts.

Our Member Service Department is available by telephone at (708) 333-0900 or (800) 388-7928 outside the Chicago metro area, during the following hours: 9:00 am to 4:30 pm CST Monday through Friday.

Email can be sent 24 hours a day to: VirtualBranch@swcu.org

Mail may also be addressed to: Member Services
16230 Prince Drive
South Holland, IL 60473-3233

General Requirements

• To be eligible you must complete an application for Virtual Branch® services.
  
  Select the following services: Audio Response, Internet Banking and Bill Payment
  
  An application for Virtual Branch® is available online at www.swcu.org or can be mailed to Your current address on file with us.
• You must have a Sherwin-Williams Credit Union checking account in good standing.
• You must have Internet access through an Internet Service Provider (ISP) of your choice and Internet Browser software such as Netscape or Microsoft Explorer. Sherwin-Williams Credit Union makes no warranties on the fitness of your equipment, software or ISP.

Types of Information and Transactions Available

You may use SWCU's Virtual Branch® to:

• Access balance and transaction information on your deposit and loan accounts.
• Transfer funds between your checking and savings accounts.
• Make scheduled payments to your Sherwin-Williams Credit Union Consumer Loans or VISA Loans.
• Pay most bills and schedule recurring payments (charges apply).
• Receive information about Sherwin-Williams Credit Union's products and services.
• Download account transaction history to financial management software such as Microsoft Money® or Quicken®.
• Contact the Credit Union

Information on Account Information Access and Electronic Funds Transfer

• You must identify the accounts that you wish to transfer funds FROM and TO.
• Transfers can be done Immediately, One-Time, or Automatically. Changes or cancellations can be made prior to any advance scheduled transfer.
• You will receive confirmation of your transfers as they are made and you may print this confirmation for your records. Your account statement will also reflect all transfers.
• Regulation D prohibits more than (6) transfers or withdrawals from a savings or money market account per month (not counting teller or ATM transactions). Online transfers count toward the (6). Exceeding this limit may result in a service charge or reclassification of your account. Further explanation is available in your Important Account Information for Members disclosure.
• Please refer to our Important Account Information for Members disclosure that was provided to you when you opened your deposit accounts for your rights and responsibilities regarding Electronic Funds Transfers.

The following is information specific to Sherwin-Williams Credit Union PayIT® Bill Payment service.

• You must complete a Virtual Branch® application to activate this service, available online at www.swcu.org by mail, or in person at any Credit Union office.
• All payments made through Bill Payment will be deducted from your designated checking account.
• You may schedule payments to be made today, on a future date, or on recurring intervals.
• Sufficient funds must be available in your account on the payment date that you select. Insufficient funds may result in non-payment of your bill and suspension or cancellation of your Bill Payment service.
• Payments must be payable in U.S. Dollars.
• Each payee must appear on your Payee List that you create.
• You cannot use Bill Payment to make payments to a federal, state, or local government entities.
• You must allow sufficient time for the Payee to receive and process the payment before the payment due date. Payments typically require 5 business days to complete. You assume full responsibility for all late fees, finance charges and any other actions taken by the Payee.
• Business days are Monday through Friday, excluding holidays.
• Pending payments can be modified or cancelled. A stop payment cannot be placed on an Electronic payment.
• You can cancel this service with written notice to Sherwin-Williams Credit Union. You are responsible for payment instructions made prior to your cancellation.
• Questions about Bill Payment transactions can be e-mailed to Support from the Bill Payment page or directed to Customer Service at (800) 388-7928 or (708) 333-0900.
• A service charge of $5.50 per month for unlimited payments will be posted to the checking account you designate for bill payment. Your first two months of bill payment are Free! You will be notified if these charges change.
• Please refer to our Important Account Information for Members disclosure that was given to you when you opened your deposit accounts for your rights and responsibilities regarding Electronic Funds Transfers.

Amendments

Sherwin-Williams Credit Union may amend the terms and conditions of this disclosure at any time. You will be provided notice at least 30 days in advance if the amendment results in greater cost or liability to you.