Georgia Power FCU 5901A Peachtree Dunwoody Rd., Ste.275

Georgia Power FCU 5901A Peachtree Dunwoody Rd., Ste.275

Georgia Power FCU

5901A Peachtree Dunwoody Rd., Ste.275

Atlanta, GA 30328

1-800-360-6362

ELECTRONIC FUNDS TRANSFERS

AGREEMENT AND DISCLOSURES

This Agreement explains the rules which govern your electronic account services with us.

Please read this Agreement carefully and keep a copy in a safe and convenient place.

Your relationship with the Credit Union is also governed by state and federal laws, which may change from time to time. The body of law is too large and complex to be reproduced here. The

purpose of this Agreement is to: (1) summarize the rules applicable to common

Transactions; (2) establish rules to govern Transactions not regulated by state or federal law; (3) establish variations that will apply to certain rules, events or Transactions as permitted by applicable law; and (4) provide you with certain disclosures and information regarding our policies as required by law. By signing an Application or your acceptance,

use or continued use of any electronic account services after receiving this Agreement,

notice of its availability or notification of any change in terms, you, jointly and severally,

agree that you understand and agree to the terms and conditions stated in this Agreement,

as amended from time to time.

Terms, Conditions and Limitations of Your Relationship with the Credit Union. The purpose of this Section is to state the terms and conditions that apply to all of your accounts, account services or other relationships with us, including without limitation loan, safe deposit and other services. You understand that the agreements, terms, conditions, rules and regulations applicable to your loans, and any other applicable account(s) or service(s) remain in full force and effect and continue to be applicable, except as specifically modified by this Agreement. Further, to the extent that the terms of a specific Subsection of this Agreement vary from the terms set forth in this Section, the specific terms and conditions of the Subsection will govern our relationship with you. All Credit Union services are further governed by the terms and conditions set forth in your Account Card(s), account receipts, addenda or schedules that accompany agreements and/or disclosures, statements and certificates; any other application or agreement we require; together with the Credit Union's Bylaws, policies and procedures, which are herein collectively referred to as "Agreement". This Agreement governs all services whether opened now or in the future. This Agreement may be amended or revised by us at any time, and any change in the Agreement shall be immediately effective unless otherwise specifically required by applicable law. This Agreement is binding upon the account owner and all parties hereto together with their heirs, successors, assigns and any other person claiming any right or interest under or through said parties.

Transactions on your account may also be governed by agreements with third parties such as NACHA’s (The National Automated Clearing House Association) Operating

Rules, which agreements will also be binding upon you and the Credit Union. To the extent that the terms of any such third party agreements provide for specific processing, reporting or other time periods, or require you to make any claims or provide any notifications or responses, then the third parties’ requirements and rules shall govern despite any other general or specific terms or conditions set forth in the entirety of this Agreement.

General Definitions. In this Agreement the words "you" or "your(s)" mean everyone that signs any Application or Agreement; or is authorized to make Transactions regarding your account(s) as provided herein or by governing law, including any account service(s). "We,” "us,” or "our" means the Credit Union

“Access Device” means any card, electronic access device and/or any codes, passwords or personal identification numbers (PIN) that we issue to allow you to access and/or use any account or other services.

“Authorized User” means any person who has actual, implied or apparent authority, or to whom any owner has at any time given any information, access device or documentation that enables such a person to access, withdraw, make transactions to or from your accounts, or to use any of your account services. If you authorize anyone to use your access devices, that authority shall continue until you specifically revoke such authority by notifying the Credit Union in writing or as required by applicable laws. If you fail to maintain the security of these access codes and the

Credit Union suffers a loss, we may terminate any or all of your account services immediately.

This definition is intended to be construed broadly and includes without limitation all users acting under a written document such as a power of attorney as well as any person or entity that is authorized to make deposits or debits to or from your accounts with us.

“Transaction or transaction” means any deposit, order, transfer, payment, purchase via POS transaction or otherwise, withdrawal or other instruction relating to any account or account service provided by the Credit Union.

Inappropriate Transactions. You warrant and agree that you will not use any Credit Union

Accounts or Services, including but not limited to loans, to make or facilitate any illegal transaction(s) as determined by applicable law; and that any such use, including any such authorized use, will constitute a breach of this Agreement. Certain federal and/or state laws or

Third Party Service Providers’ Rules may limit or prohibit certain transactions such as (but not limited to) those coded as possible gambling transactions. The Credit Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding your obligation to pay us or otherwise) under applicable law; or which is otherwise limited or prohibited, including but not limited to any transaction involving or relating to any gambling activity. Such prohibition or limitations may affect some otherwise proper or allowable transactions such as debits, charges or other transactions at or relating to a hotel-casino. You understand and agree such limitations/prohibitions are not within the Credit Union’s control and that the Credit Union will not have any liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s); or for declining to accept, process, or pay any such transaction. You further agree to indemnify and hold the Credit Union harmless from any suits, liability, damages or adverse action of any kind that results directly or indirectly from any such use of your account and/or access devices.

1. Types Of Electronic Funds Transactions / Available Networks or Systems. 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 check card and Personal Identification Number ("PIN") to be used to make transactions. You can use your VISA check card at the Credit Union's ATMs,

VISA, CO-OP, STAR, CU24, CUHERE networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to:

(1) Withdraw funds 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");

b.

c

.

(3)

(4)

Transfer funds between the account(s) designated in your Application.

Make deposit to your share and checking accounts.

(5) Make POS (Point of Sale) transactions with your CARD and PIN

(Personal Identification Number) to purchase goods or services at POS terminals that carry VISA, CO-OP, STAR, CU24, and CUHERE network logo(s).

Debit/Point of Sale Transactions. GPFCU VISA Check Card. If we approve your Application for a VISA Check Card, 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 primary share draft 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 checking 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.

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 primary share or primary checking accounts; (2) Within Credit Union Transfers:

You can arrange to transfer funds between your primary share and primary checking accounts. By separate application, you can arrange 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 checking 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. Thus, 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 or 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 .

GPFCU Audio Response

. If we approve audio response access service for your accounts, you may access your accounts through audio response with a separate PIN (Personal Identification Number) that we will issue. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use audio response access service to:

 Access your Line of Credit account.

 Obtain balance information for your share and checking accounts.

 Make transfers from your share and checking accounts.

 Determine if a particular item has cleared.

 Withdraw funds from your share and checking accounts.

 Make loan payments from your share and checking accounts.

 Obtain tax information on amounts earned on share and checking accounts or interest paid on loan accounts.

 Verify the late date and amount of your payroll deposit.

The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit

Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor 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 telephone call. e. Electronic check conversion (“E-Check”) - 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 other bills; 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 and/or other fees. 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, implied through the posting of a sign or your participation in the initiation of the processing of the transaction. 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 Membership Agreement. f. Online Banking. (Internet Network Connection). If we approve the Online

Banking access service for your accounts, a separate PIN (Personal

Identification Number) will be assigned to you. You must use your PIN (Personal

Identification Number) along with your member number to access your accounts.

At the present time, you may use Online Banking access to:

Transfer funds from your share and checking accounts.

Obtain balance information for your share, checking, and other accounts.

Make loan payments from your share and checking accounts.

Access your Line of Credit accounts.

Determine if a particular item has cleared.

Your accounts can be accessed under Online Banking via personal computer.

Online Banking will be available for your convenience 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, and you will be notified of those limits. We may refuse to honor 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. 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 in 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 insuring 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 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. You may not make payments and/or transactions to a federal, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic services.

Important Information Regarding Your Electronic Services

Online Banking Inquiries: 1-800-360-6362 OR GPFCU, 5901A Peachtree Dunwoody Rd.,

Ste. 275, Atlanta, GA 30328

2. General Rules for Using Your Access Devices. You acknowledge and agree to the following: a. Your Access Devices are for personal use only. You agree not to allow another person to use your Access Devices. b. You agree not to reveal your PIN/Password(s) to another person and WILL NOT write your PIN/Password(s) on any Access Device. You are responsible for all Transactions made by you or anyone else who uses your Access Devices with your knowledge and consent. You are also responsible for unauthorized use of your Access Devices to the full extent allowed by applicable law. In addition, any person other than yourself who uses your Access Devices 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 Devices with maximum security.

c. 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 Devices 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 Devices. d. You acknowledge that your Access Devices remains the Credit Union's property and agree to surrender your Access Devices to the Credit Union or its agent upon demand or through retrieval by any other method. e. 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 assumes the risk of nighttime use of any ATM or other electronic terminal location or other electronic banking device. f. An Access Device may be issued by 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 may be issued to each member or joint owner. g. If your Access Device is lost or stolen, you agree to notify the Credit Union immediately upon discovery of such loss or theft. Replacement of an Access Device 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. h. 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. i. 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. j. You agree to hold the Credit Union harmless in its pursuit to locate, apprehend, and prosecute unauthorized use of any Access Device issued by the Credit Union, and you agree to assist the Credit Union in these efforts. k. The Credit Union reserves the right to make any changes in the daily withdrawal limits it deems necessary. l. 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. m. The Credit Union cannot stop payment on any point-of-sale Transaction. n. Additional Charges for Transactions in a Foreign Currency and “Cross-Border”

Transactions. Currency Conversion Fee: If you effect or authorize a transaction with your access device in a currency other than US Dollars, VISA will convert the charge into a US Dollar amount. The VISA currency conversion procedure includes use of either a government mandated exchange rate, or a wholesale exchange rate selected by VISA as applicable. The exchange rate VISA uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of the purchase or the date the transaction was posted to your account. A Currency Conversion

Fee of up to 1% will be applied to transactions that are converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, VISA charges us a Cross-

Border Assessment up to 1% on each transaction on all cross border transactions regardless of whether there is a currency conversion. For purposes of this Section,

“cross-border transaction” shall include both (a) transactions initiated in a foreign country which are subsequently settled in the United States, and (b) transactions initiated in the

United States but which are ultimately settled in a country outside of the United States.

The Credit Union will assess these fees to you to reimburse it for the fee it is required to pay for each of your transactions subject to these terms. The Cross-Border transaction fee will be shown separately on your periodic billing statement. The Currency Conversion

Fee, if it applies to the transaction, will be included in the transaction amount posted on your statement. o. You agree that by acceptance or use of an Access Device, 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. p. You will not obtain any Access Device(s) to make transactions on your accounts with us that is not issued or approved by us. q. Merchants and others who honor the Check Card or related 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.

3. r. You understand that you must keep your share and share draft checking account open in order for your applicable electronic services to remain valid. You agree to return all

Access Devices if you close your account(s), or upon our request.

Making ATM Transactions. Your PIN will allow you to identify yourself when making an

ATM transaction. The presentation of your VISA check 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 VISA check 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.

4. 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 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 share account records. It is the obligation of each member to provide new addresses to the Credit Union.

5. Access Device Revocation. Any Access Device issued by the Credit Union may be revoked without notice to you in the event that any of the following conditions occur: a. b.

Overdrafts occur as a result of insufficient or uncollected funds on an account.

Any transaction that occurs on your account(s) which results in a monetary loss to the Credit Union. c. d.

Loan, VISA® or other delinquency with the Credit Union.

Forced closure of a share or share draft account at the Credit Union due to misuse.

6.

7. e. f.

Special balance requirements, if any, are not maintained by you.

Any other situation in which the Credit Union deems revocation to be in its best interest.

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 below. You may be charged certain transaction and other fees as set forth in the Schedule, which will be automatically debited from your share or checking 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).

Fees applicable to Electronic Banking Transactions:

Four (4) free transactions per month, per member. Value

Checking allows eight (8) CU Power Checking unlimited.

Fee free

Additional transactions $1.00/ each transaction after four (4)

POS transactions Fee free

Replacement ATM card fee (per card)

Non-sufficient funds fee

$10.00

$35.00/ item

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 AT THE END OF THIS SECTION. IN

ADDITION, THE FOLLOWING LIMITATIONS ALSO GOVERN YOUR USE OF THESE

SERVICES:

a. 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 the member's 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. b. Card / Access Device Acceptance. We do not promise everyone will honor your Card or other Access Device, and we have no obligation to you if anyone refuses to accept your Card/Access Device. We are not liable if any merchant, bank, financial institution or other party refuses to honor your Card/Access

Device, or otherwise fails to provide any services made available to you by Credit

Union. c. POS/Debit/VISA Check Card Purchases. This limit in the Schedule is in addition to any ATM withdrawals. d. 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. e. Audio Response. Your accounts can be accessed under audio response via a touch-tone telephone only. Not all push-button telephones are touch-tone.

Converters may be purchased for pulse and rotary dial telephones. 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 savings accounts, as

explained above. f. Online Banking (Internet Network Connection). You may make Online

Banking 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 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. g. Bill Payment Service (Telephone, Audio Response, Online Banking). You may make bill payment transactions subject to the limitations in the Schedule.

The Credit Union will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. The Credit Union will not process any bill payment transfer if the required transaction information is incomplete. The Credit Union will withdraw the designated funds from your account at approximately 7:00 PM (PST) on the withdrawal date you have specified. From time to time, the Credit Union may withdraw due payments from your account at any time prior to or after the above scheduled time. It is your responsibility to have sufficient available funds for the payment to be processed and for any overdraft, Courtesy Pay, NSF or stop payment fees will be charged by the Credit Union as a result of these transactions as disclosed in our Fee Schedule.The Credit Union will process your bill payment transfer on the date you wish the funds withdrawn from your account. These withdrawal dates are limited to Sunday through Friday, excluding a day prior to an observed Federal Holiday. We will have no obligation

to initiate any payment if there are not sufficient funds in your designated account, but may in our discretion do so pursuant to any applicable overdraft agreements. You must allow sufficient time for vendors to process your payment after they receive a transfer from the Credit Union. Please allow at least a seven

(7) day lead-time prior to your due date. The Credit Union cannot guarantee the time that any payment will be credited to your account by the vendor and will not be liable for any service fee, late charge, or finance charge. You agree to follow the requirements of the Bill Payment Service User Instructions, which are incorporated herein by reference. Additional information available at: https://www.georgiapowerfcu.org/Checking-and-Savings/Disclosures-and-Notices.aspx

THE CREDIT UNION MAY SET OTHER LIMITS ON THE AMOUNT OF ANY

TRANSACTION(S), AND YOU WILL BE NOTIFIED OF THOSE LIMITS.

Electronic Funds Transfer Services: Limitations, Fees, and other Important Information

Daily ATM Limits

($/#)

Daily POS Limits

($/#)

Daily Check Card Limits

($/#)

Online (Home Banking)

Offline (Home Banking)

Online Transaction

Processing

Stopping Payment of an

Online Bill Payment

Transaction

*$ 505.00

Per 24 Hours

*$ 2,500.00 Per 24 Hours

$ 2,500.00

Per 24 Hours

No Limit

Per Day

$300.00 Per Day

Generally it will take 2-7 days to process a transaction

Bill Payment Limits

You may request a stop payment on a BillPay check if the payee has not negotiated the check. A service fee will be charged to your account for a stop payment request as stated in the Fee Schedule.

To place a stop payment, please contact the Member Services Department during business hours at 1-800-360-6362.

If you wish to cancel the BillPay service feature, you must notify the Credit

Union via [email protected]

You are responsible for all payment instructions made prior to termination and for all other applicable charges and fees. You must cancel all outstanding payment orders with the payee(s) before notifying the Credit Union to terminate this service feature. This Agreement, any user’s manual, and the applicable fees and charges may be amended by the Credit Union in the future. In the event of amendment, we will send notice to you by mail to your last known address. Your use of the BillPay service feature following receipt of such notice constitutes acceptance of such amendment.

$10,000.00 Per 24 Hours

*Cumulative Limits: $2,505.00 per 24-hour period.

8

.

Data Security for Online Banking. Online Banking is accessible only over the Internet.

To prevent unauthorized access to member account data, the Credit Union employs the

Secure Sockets Layer (SSL) protocol. This prevents other computers from eavesdropping by encrypting all data transmitted between the Online Banking server and the client. Members that live in the United States can use browsers that support 128 bit keys. Cracking a 128-bit key would involve trying all 2 to the 128th power combinations.

Members that live abroad are currently restricted by the US Government to using browsers that support 40 bit keys. Cracking a 40-bit key would involve trying all 2 to the

40th power combinations, which are over one trillion combinations. A 40-bit key is less secure than a 128-bit key, but does provide an adequate level of security for member financial services.

9.

The Secure Sockets Layer protocol validates the identity of the Online Banking server through the use of a digital certificate. After connecting to the Online Banking server in secure mode, our site sends a signed digital certificate, which contains the name of our

Web server, its public encryption key, the certificate's validity dates, the name of the certification authority that issued the digital certificate to our site, and an un-forgeable digital signature. The digital certificate authenticates to the client that a connection has indeed been established with the Online Banking server.

The Secure Sockets Layer ensures that the data transmitted between the client and the

Online Banking server has not been tampered with through the use of Message

Authentication Codes (MACs). This provides a quick way for the receiving end to verify that the data was not changed in route.

Canceling a Bill Payment Transaction and Your Stop Payment Rights.

Online Bill Payment Transactions: You may cancel or change a scheduled Online Bill

Payment as set forth in the Schedule. After the time period set forth in the Schedule have passed it is not possible to stop or cancel a payment. To delete merchants from the

Service you must contact us.

If we fail to cancel or stop any Online Bill Payment, the payment will stand unless you show us that payment to the payee was unenforceable. If we re-credit your account after transferring funds over a valid and timely cancellation request, you agree to sign a statement describing the dispute with the payee, to transfer to us all of your rights against the payee, and to assist us in any legal action taken against that person. 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 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.

E-Check: When any party converts any check, using the information on the paper via any means to send an electronic message to us, such message is an order by you to immediately take the money from your account. You cannot stop payment of an E-Check transaction, because it is already done.

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. b.

Terminal Transactions. You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal, or Debit Card transaction with a participating merchant.

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, VISA Check Card transactions, audio response transactions, preauthorized EFTs, electronic/ PC transactions or bill payments you make will be recorded on your periodic statement. You will receive a statement or notice of the availability of your statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement or notice 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. c.

The transaction goes over the credit limit on your overdraft line.

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. g.

You have not properly followed instructions for operation of the ATM or system.

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 other Credit Union agreements. 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 Monday through Friday, excluding holidays. (Deposits made after 4:30 p.m. or on a day we are not open will be processed on the next business day we are open).

15. In Case of Errors or Questions About Transactions. Call 1-800-360-6362. 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 transfer 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.

*If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

**If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have (90) days instead of forty-five (45) days to investigate.

Special Rules for Provisional Credit for Visa® Check Card Transactions

If you believe a Visa® Check Card Transaction was unauthorized, we will recredit your account within five (5) 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 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, you are responsible for any transactions they authorize or conduct on any of your accounts.

Special Notice to VISA Check Card Holders. If there is an unauthorized use of your VISA

Check 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 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 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:

1-800-360-6362

GPFCU

5901A Peachtree Dunwoody Rd., Ste.275

Atlanta, GA 30328

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 Card, Access Device, or PIN

If you believe that any Access Devise 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 in this Booklet or the Schedule. If you recover your

Card/Access Device after you have notified us, DO NOT USE IT.

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