CALIFORNIA ADVENTIST FEDERAL CREDIT UNION
DISCLOSURE AGREEMENT #1
VIRTUAL BANKING

Enrollment Starter
Please use your Audio Response (CUEphone) PIN (Personal Identification Number) along with your account number to enroll online for Virtual Branch. If you are not currently signed up for Audio Response (CUEphone), you will need to contact CAFCU to assign you a PIN for online enrollment purposes. Once you accept the Terms and Conditions below, you will be taken to an application screen. Once you have completed the application you will be ready to access your accounts through Virtual Branch.

Virtual Branch Terms and Conditions
What we can get: You may use the Virtual Branch to:

  • Transfer funds from your savings, checking and Line-of-Credit accounts.
  • Obtain balance information for your savings, checking, loan, certificate of deposit and credit card accounts.
  • Make loan and VISA Credit Card payments from your savings and checking accounts.
  • Access your Line-of-Credit accounts.

Your accounts can be accessed under the Virtual Branch via personal computer. Virtual Branch will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. We reserve 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. We may set other limits on the amount of any transaction for which you do not 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 access. This authorization is enforced until you or us in writing and it's subject to the service terms, and conditions as amended from time to time.

  • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day.
  • For all savings, Christmas Club, and Money Market accounts, no more than six (6) preauthorized, automatic, telephone or internet transfers and withdrawals may be made from each account to another account of your or to a third party in any month, and no more than three (3) of these six (6) 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.
  • The system will automatically delete you from the system if you remain an inactive user for 3 months. If this happens, you must reapply online for new access. Print and keep as a copy for your records.

DISCLOSURE AGREEMENT #2
VIRTUAL BANKING

The Member Number is your account number and the PIN is either your audio PIN.

Services Terms and Conditions

Introduction
These pages explain the terms and conditions for using our CAFCU internet Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at CAFCU is also governed by the applicable account disclosure/agreement and Truth in Savings disclosure you received when you opened your account.

How To Access Your Accounts
To access your accounts through our online service, you must have your account number and a PIN number.

The password that is used to gain access to your information should be kept confidential just as you would keep other PIN numbers and security codes confidential. For your protection, we recommend that you change your access password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify CAFCU at once at 818-246-7241.

You cannot use E-mail to initiate transactions, change information or inquire on your account(s). We will not respond to these types of requests via E-mail since we cannot be certain we are corresponding with you. Please use the appropriate functions within our online service, call 818-246-7241 or visit the Credit Union for these functions.

By continuing beyond this page, you are agreeing to the terms and conditions in the CAFCU Electronic Fund Transfer Disclosure and Agreement below. Please read this disclosure carefully and print it for your records. This page will not appear again. A copy of this Agreement can be printed by using your browser's print command and a printer. If you are unable to print this document, a copy can be provided to you by the Credit Union upon request.

Who is Bound in this Agreement
Each person ("signer") who completes the Home Banking application and/or enters their PIN/Personal Security Code agrees to be bound by the terms and conditions of this Agreement. If more that one person signs the Application, enters their PIN/Personal Security Code, all signers are jointly and severally liable. The Credit Union can waive or delay enforcement of its rights as to one signer without affecting its ability to enforce its rights as to one signer without affecting its ability to enforce its rights as to the other signers. The Agreement is also binding upon your heirs, personal representatives and successors. By accessing the system or authorizing anyone else to access the system, and/or by signing the application, you agree to be bound by the terms and conditions of the Agreement.

Right to Receive Documentation of Transactions
You will receive a monthly account statement reflecting all of your transactions unless there is no activity in a particular month. In any case, you will receive a statement at least quarterly. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at 818-246-7241, whether or not the deposit has been made. If the only possible transfers to or from your account are direct deposits or preauthorized deposits, you will get a t least a quarterly statement from us.

Your Liability for Lost, Stolen or Unauthorized Transactions involving Your PIN or ACCESS CODE
Tell us at once if you believe your transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could loss all the money in your account (plus your maximum overdraft line of credit if you have one with us). If you tell us within two (2) business days, you can lose no more than $50 if someone used your 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 PIN or access Code and we can prove that we could have stopped someone from using your PIN or Access Code without your permission if you have told us, you could loss as much as $300/day. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you have authorized someone else to use the PIN or Access Code, you are responsible for all transactions that person or persons initiates at any time, even if the amount or transactions exceed what you may have authorized.

How to Notify the Credit Union in the Event of an Unauthorized Transaction or Problem
If you believe your access code has been lost or stolen or someone has transferred or may transfer money from your account without your permission, call us at 818-246-7241, or write to us at 1441 E. Chevy Chase Drive, Glendale, CA 91206. You should also call the number or write to the address listed above if you believe a transfer has been made using information form your check without your permission.

Business Days
For purposes of these disclosures, our business days are Monday through Friday, excluding holidays.

Our Liability for Failure to Make Transfers
If you do not complete a transaction to or from your accounts 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 ours, you do not have enough money in your account to make the transaction;
  • the transaction would go over the credit limit on your credit line;
  • the network system was not working properly and you were aware of the malfunction when you started the transaction;
  • circumstances beyond our control (such as fire, flood, power failure, or computer downtime) prevented the transactions despite reasonable precautions that we have taken;
  • the money in your account is subject to an uncollected funds hold, legal process or any other encumbrance or agreement restricting a transaction;
  • your PIN/Personal Security Code has been entered incorrectly; or
  • the failure to compete the transaction is done to protect the integrity of the system or to protect the security of your account.

There may be other exceptions not specifically mentioned above.

Fees
There is currently no fee for accession your account(s) through our service. We reserve the right to impose/change the fee amount, if necessary, after providing 30 days notice to all users at the home banking login page and/or e-mail address. Your internet service provider (ISP) probably charges you a fee to access the internet via its server. We have no control over ISP related fees.

All charges associated with our virtual Banking services electronic funds transactions are disclosed in our Fee Schedule, which accompanies this Agreement.

Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:

  • when it is necessary to complete the transaction
  • 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 or court orders or other legal process; or
  • if you give us your prior oral or written permission.

Address Change
You are required to keep the Credit Union informed of your current address to insure correct mailing of monthly statement.

Amendments
The Credit Union may change the terms and conditions of this Agreement from time to time by mailing written notice to you at your address as it appears on our records. If any change results in greater cost or liability to you or decreases access to your accounts, you will be given at least twenty-one (21) days prior notice of the change. Prior notice may not be given where an immediate change in terms or conditions is necessary to maintain the integrity of the system and/or the security of our Internet Teller services or designated accounts.

Available Services and Limitations
The following functions may be performed by members through the service:

Transfers: You may transfer funds between your Share or Loan Accounts as the account agreements may allow. Transfers done through the service immediately charge or credit your account.

Account Balances: You may view your share and loan account balances. There may be drafts written against your balance, or other electronic items such as debit card transactions, that have not yet been presented to the credit union for payment.

Transaction History: You may view the transaction history for any loan or share account. The main Credit Union computer system is always the official record of account history.

Download Transactions: You may download transactions in various formats (as available on your site) for import into personal financial software programs.

Password Changes: If you are service user, you may change your password at any time from within the home banking section. For your protection, we recommend that you change your access password regularly.

Check Orders: You may reorder checks and/or view and order new checks styles available through the Credit Union. We will not process check order requests if you do not have a checking account at the Credit Union.

Transaction Search: You may search for drafts and other transactions that have cleared your account. The oldest transaction available will vary but dates will go back, at a minimum, to your last regular statement date.

Additional Services: From time to time, we will announce additional services, which are available through the service. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

We reserve the right to limit access or cancel on-line access at any time.

Termination
You may terminate this Agreement with us at any time. The Credit Union reserves the right to terminate this Agreement and/or your use of Internet Teller Services with our without cause. We may do so immediately if:

  • you or any authorized user or your account breaches this or any other agreement with the Credit Union;
  • we have reason to believe that there has been or might be an unauthorized use of your account; or
  • you or any authorized user of your account requests that we do so.

Collection Costs
You agree to pay the Credit Union our reasonable expenses, including court costs and attorney's fees, for enforcing your rights under this Agreement.

Additional Benefit Enhancements
The Credit Union may from time to time offer additional services to you in connection with your accounts.

Some services may be at no additional cost to you and others may involve a specified fee. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.

Reservation of Rights
Failure or delay by the Credit Union to enforce any provision of this Agreement or to exercise any right or remedy available under this Agreement, or at law, shall not be deemed a waiver, and the Credit Union expressly reserves the right to enforce such provision, or to exercise such right or remedy, at a later date.

Other Agreements
Except as stated otherwise in the Agreement, this Agreement does not alter or amend any of the terms or conditions of any other agreement you may have with the Credit Union.

If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

California Adventist Federal Credit Union
1441 E. Chevy Chase Drive
Glendale, CA 91206
Phone: 818-246-7241

Statements
All transactions generated by you through these services and any home banking fees will appear on your monthly or quarterly statement.

Severability
If any part of this Agreement should be held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.

DISCLOSURE AGREEMENT #3
VIRTUAL BANKING

Privacy Policy and Date Protection Statement
This privacy statement has been created by IntegraSys in order to demonstrate our firm commitment to Privacy and Data Protection. In accordance with WebPrivacy and Data Protection Policy, the following discloses our information gathering and dissemination practices for this Web Site:

Use: This site collects the personal information that you provide us while using this site. If you have voluntarily provided information, you consented to the collection and use of your personally identifiable information as described in this Privacy Statement. The personal information collected at this site is collected on behalf of the California Adventist Federal Credit Union with which you have an account. We may provide this information directly to, or use this information at the direction of, California Adventist Federal Credit Union and they would direct the use of this information in accordance with their practices.

We may use user IP addressed to help diagnose problems with our serve and administer our Web site, to analyze trends, to track user movement and use, and to gather board demographic information. Such data is not linked to any personally identifiable information.

Retention
Personal and financial information that you may provide us while using this site will be retained at least as long as you remain enrolled in the service. If applicable, financial transaction information will be retained for up to seven years, based on regulatory requirements.

Corrections/Updates
Depending on site customization selected by your financial institution, users may have the option to update personal data previously provided to this site.

Security
This site collects the personal information that you provide us while using this site, if you have voluntarily provided information, you consented to the collection and use of your personally identifiable information as described in this Privacy Statement. The personal information collected at this site is collected on behalf of California Adventist Federal Credit Union with which you have an account. We may provide this information directly to, or use this information at the direction of, California Adventist Federal Credit Union and they would direct the use of this information in accordance with their practices.

Notification and Changes
Changes to this Web Privacy and Data Protection Statement for this site, that impact the practices described on this Web site, will be prominently posted.