Union Credit Bank

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES

This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving an account at the Financial Institution. The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers. In this Agreement, the words "you" and "your" mean those who sign as applicants or any authorized user(s). The words "we", "us" and "our" mean the Financial Institution. The abbreviation "PIN" or word "code" means a personal identification number.

24-Hour Teller

Brief Description: Our 24 Hour Teller machine service allows you to make withdrawals, deposits; funds transfer and inquire about your account balances
Types of Transfers: Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the ATM Request Form. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. At present you may use your card to (some of these services may not be available at all ATMs):

Deposit funds to your checking account.
Withdraw cash from your checking account.
Deposit funds to your savings account.
Withdraw cash from your savings account.
Transfer funds between your checking and savings accounts.
Obtain balance information on your deposit accounts.

Limitations on Frequency and Amount

You may make 6 cash withdrawals from ATMs per day.
You may withdraw up to a maximum of $600.00 (if there are sufficient funds in your account) per day.
For security purposes, there are limits on the frequency and amount of transfers you may make at ATMs.

Fees and Charges for ATM Transactions

There is no charge for ATM withdrawals at machines owned by us-
There is a $1.50 charge for each ATM withdrawal at machines we do not own. . There is no charge for ATM deposits at machines owned by us-
One Hundred ATM withdrawals per month are allowed free of charge.
2.50 for printing a mini-statement. 3.00 for cash withdrawals made outside of the USA.
There is a Replacement Card Fee of $3.00 per card.

ATM Surcharges

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry).

Mastermoney Card

Brief Description: Mastermoney Card is available to all customers who qualify for this service. This card provides the flexibility of allowing the customers to obtain cash from A TM machines anywhere in the world where the Cirrus emblem is displayed. This card also allows the customers to pay services and purchases everywhere MasterCard is accepted.

Types of Transactions/Transfers

You may use the card and PIN issued you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card with a MasterCard symbol. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the Combined ATM/POS/Debit Card Request Form. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. At present you may use your card to (some of these services may not be available at all ATMs):
Deposit funds to your checking account.
Deposit funds to your savings account.
Withdraw cash from your savings account.
Transfer funds between your checking and savings accounts.
Obtain balance information on your deposit accounts.

Limitations on Frequency and Amount

You may make 6 cash withdrawals from ATMs per day.
You may withdraw up to a maximum of $600.00 (if there are sufficient funds in your account) per day.
For security purposes, there are limits on the frequency and amount of transfers you may make at ATMs.
You may purchase up to a maximum of $2500.00 worth of goods and services per day, exclusive of ATM withdrawals. Card Holders must be 18 years or older.

Fees and Charges

There is no charge for ATM withdrawals at machines owned by us.
There is a $1.50 charge for each ATM withdrawal at machines we do not own.
There is no charge for ATM deposits at machines owned by us.
One Hundred ATM withdrawals per month are allowed free of charge.
3.00 when used outside the USA.
There is a Replacement Card Fee of $3.00 per card.
We do not charge for any POS transactions.

ATM Surcharges

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry).
Telebank
Brief Description: This service provides the advantage of completing common banking transactions by phone.

Types of Audio Response Services

You may access your deposit accounts by using a separate personal identification number (PIN) assigned to you and your account number in our audio response system. At the present time you may use the system to:
Transfer funds between your deposit accounts.
Give you tax information on interest earned or paid on your accounts.
Obtain balance information on your deposit accounts.
Verify the last date and amount of your payroll deposit.
Determine if a particular check has cleared your account.
Banking Hours, Rate and Product Information, Calculators, Fax request of Checking and / or Savings Transactions, Loan Balance and Payoff information and Available Credit and Credit Limits.

Limitations on Frequency and Amount

There are no limits on the number or dollar amount of inquiries, transfers or withdrawals you may make per day.

Fees and Charges for Audio Response Transactions:
We do not charge for any Audio Response Transactions.
The following limitations may be applicable to your accounts, except as provided by law:
Liability for Unauthorized MasterCard® Point of Sale Debit Card Transactions
Tell us, AT ONCE, if you believe your MasterCard® point of sale debit card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized use of your point of sale debit card with the MasterCard logo when it is used as a MasterCard point of sale debit card will not exceed (A) Zero dollars ($0.00) if the conditions set forth below have been met, or (B) if those conditions have not been met, the lesser of fifty dollars ($50.00) or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. Zero liability will apply only if: (1) you can demonstrate that you have exercised reasonable care in safe-guarding your card from risk of loss or theft; and (2) you have not reported two or more incidents of unauthorized use to us within the preceding twelve (12) months; and (3) your account is in good standing. These consumer liability limits apply only to United States issued MasterCard branded consumer cards. If the transaction does not meet the conditions set forth above, these limits with respect to unauthorized transactions may be exceeded to the extent allowed under applicable law (see Liability for Unauthorized Transfers paragraph below). "Unauthorized use" means the use of your point of sale debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and for which you receive no benefit. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth below. This will help prevent unauthorized access to your account and minimize any inconvenience.

MasterCard® is a registered trademark of MasterCard International Incorporated.
In addition to the limitations set forth above, the following limitations may be applicable to your accounts:

Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or Audio Response PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your card or 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 or code, and we can prove that we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500.00. 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 taking the money if you had told us in time. If a good reason (such as along trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (305) 398-9000, or write us at Union Credit Bank, 1150 South Miami Avenue, Miami, FL 33130.

Business Days. For purposes of these electronic funds transfer disclosures, our business days are Monday through Friday. Holidays are not included.

Documentation

Periodic Statement. You will get a monthly account statement from us, unless there are no transactions in a particular month. In any case you will get a statement quarterly. You will get a quarterly statement from us on your savings account if this is the only account you maintain and the only possible electronic transfer to or from the account is a preauthorized deposit. If you have a passbook account, you may bring your passbook to us and we will record any direct deposits that we made to your account since the last time you brought in your passbook.

Terminal Receipt. You can get a receipt at the time you make any transfer to or from your account using one of our ATMs or purchase at a POS terminal.
Direct Deposits. 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 (305) 398-9000 to find out whether or not the deposit has been made.
Our Liability for Failure to Make Transfers. 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 ours, you do not have enough money in your account to make the transfer.
If the money in your account is subject to legal process or other claim restricting such transfer.
If the transfer would go over the credit limit on your overdraft line.
If the ATM where you are making the transfer does not have enough cash.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
Exceptions established by us
In Case of Errors or Questions About Your Electronic Transfers. Telephone us at (305) 398-9000, or write us at 1150 South Miami Avenue, Miami, FL 33130 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.
Tell us your name and account number (if any).

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 ten (10) business days.

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any 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 credit your account within ten (10) 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 ten (10) business days, we may not credit your account.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the applicable time periods for the action shall be twenty (20) business days in place of ten (10) business days. If a notice of error involves an electronic fund transfer that was initiated in a foreign country, occurred within thirty (30) days after the first deposit to the account was made, or is a point of sale debit card transaction, the applicable time period for action shall be ninety (90) calendar days in place of forty five (45) calendar days.

Confidentiality. We will disclose information to third parties about your account or the transfers you make:

To complete transfers as necessary;
To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant; or
To comply with government agency or court orders; or
If you give us your written permission.
Personal Identification Number (PIN). The ATM PIN, pas PIN or Audio Response PIN issued to you is for your security purposes. The numbers are confidential and should not be disclosed to third parties or recorded on the card. You are responsible for safekeeping your PIN(s). You agree not to disclose or otherwise make your ATM PIN, pas PIN or Audio Response PIN available to anyone not authorized to sign on your accounts.

Notices. All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

Enforcement. In the event either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any Account transaction, the prevailing party shall be entitled to reasonable attorneys' fees and costs, including fees on any appeal, subject to any limits under applicable law.

Termination of ATM, POS and Audio Response Services. You agree that we may terminate this Agreement and your use of the ATM Card, pas or Audio Response services, if:
You or any authorized user of your ATM PIN, pas card or PIN or Audio Response PIN breach this or any other agreement with us; We have reason to believe that there has been an unauthorized use of your ATM PIN, pas card or PIN or Audio Response PIN;
We notify you or any other party to your account that we have canceled or will cancel this Agreement. You or any other party to your account can terminate this Agreement by notifying us in writing.

Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Other Provisions.

There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our Funds Availability Policy to determine the availability of the funds deposited at ATMs. 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.

ATM SAFETY TIPS

As issuers of Automated Teller Machine (ATM) access devices, we have provided for your information a list of safety precautions regarding the use of automated teller machines.

Please read the following safety tips:

* Be aware of your surroundings, particularly at night.

* Consider having someone accompany you when the automated teller machine is used.

* It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction.

* Refrain from displaying your ATM access device. Pocket it as soon as your transaction is completed.

* Do not reveal your Personal Identification Number (PIN) to others. Avoid allowing others to view your PIN entry into an ATM. Memorize your PIN and do not carry your PIN on your person.

* Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in a safe place.

* Consider using another automated machine coming back later if you notice anything suspicious. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your ATM device and leave.

* Go to the nearest public area where people are located if you are followed after making a transaction.

* Report all crimes to law enforcement official immediately.