Disclosures

Checking & Savings Accounts

Other Service Fees

Safe Deposit Box (Annual Fee)

Wire Transfer Fees

Account Agreement And Disclosure

Mobile

This agreement between you and Sheboygan Area Credit Union "we" or "us" or "SACU") contains the terms, conditions and disclosures for Home Banking/Mobile Banking (HB). HB allows you to access your deposit accounts, loans, and lines of credit, and you are subject to the rules and regulations governing the general use of those accounts.

You will need to use certain types of computers, obtain an internet account, and use compliant browser software to use HB. The installation, maintenance, and operation of those items are your responsibility. We are not responsible for any errors or failures of your computer equipment or internet connection software. HB can be used at any time, 24 hours a day; however, certain system maintenance or malfunctions may make it unavailable at times.

Services Offered

You may perform the following functions with your accounts using SACU's HB;

1. Obtain account balances and transaction information from your designated accounts.

2. Transfer funds between your designated shares and loans.

3. Transfer funds from your account to the savings or checking account of another SACU member.

4. Advance funds from your Real Estate Advance Plan (REAP) or Kwik Cash into your account.

5. Download account information from your designated accounts into a financial management software package.

6. Arrange bill payment service from your designated accounts.

Personal Identification Number

A password is used for your protection. You agree to:

1. Not disclose the password or otherwise make it available to anyone else.

2. Use the password as instructed

3. Promptly notify SACU of any loss or theft of the password

4. Be liable for the password and for its authorized use as described in this account agreement and disclosure.

Password Selection

You may select your own password. The password may be any combination of numbers and letters, with a minimum of seven characters, of which at least one character must be a number. For your security, your password should not be any part of your social security number, address, birthday, telephone number, or other numbers which could be easily deciphered by another person. Submit your password to SACU on a signed HB application for account setup. Once your HB account has been set up using the password you designate on your application, you may securely change your password at any time through the HB system.

Periodic Statements

You will receive a monthly account statement from us if you have a checking account. You will receive a statement semiannually if you only have a saving and/ or loan account.

Suspension of Privileges

We may at any time, and at our sole discretion, limit or cancel the HB we offer you. Specifically, we reserve the right to cancel access to HB if services have not been used within any six-month time period.

Fees

There are no fees for HB. SACU reserves the right to initiate or increase fees at any time upon proper notification to you.

Online Transactions

HB transactions are online transactions: All transactions with HB are reflected immediately on your account.

Your Liability for Unauthorized Transactions

Tell us at once if you believe there has been an unauthorized transaction on your account or if you believe your HB password has been lost or stolen. Telephoning is the best way to keep your possible losses down. You can lose no more than $50 if you fail to give us notice of a lost or stolen password. If you do give us notice of a lost or stolen password, you will be liable for the lesser of ;

1. $50; or

2. The amount of any money, property, or services obtained by unauthorized use of the password before you gave us notice.

Also, if your statement shows transactions 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 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 or write us at the telephone number and address listed in this brochure.

Error Resolution

In case of errors or questions about HB; if you think your statement is wrong; or if you need more information about a transfer listed on the statement, call or write us at the telephone number or address listed in this disclosure, as soon as you can. We must hear from you no later than 60 day after we send the first statement on which the problem or error appeared.

1. Tell us your name and account number.

2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is 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 10 business days.

We will tell you the results of our investigation within 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 45 days to investigate your complaint or question. If we decide to do this we will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time to takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not re-credit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation and your account will be adjusted accordingly. You may ask for copies of the documents that we used in our investigation.

How To Notify Us

If you believe your password has been lost or stolen, you should contact SACU to change the password immediately. If someone has accessed or may have accessed money from your deposit account without your permission, call us during regular business hours at (920) 459-5151 or write;

Sheboygan Area Credit Union
1707 Indiana Ave

Sheboygan WI 53081
Attn: Accounting Department

Amendments

From time to time, we may amend this agreement. If any amendment results in greater cost or liability to our or stricter limitations on the frequency or dollar amount of transfers, we will give you at least 30 days notice by mailing a copy of the amendment to you at your most recent address shown on our records.

Sheboygan Area Credit Union

Online BillPay Account Agreement and Disclosure

This agreement between you and Sheboygan Area Credit Union ("we" or "us" or "SACU") contains the terms, conditions, and disclosures from Online BillPay (OBP). OBP allows you to create payments to be sent electronically or via paper check to any recipient.

You will need to use certain types of computers, obtain an internet account, and use compliant browser software to use OBP. The installation, maintenance, and operation of those items are your responsibility. We are not responsible for any errors or failures of your computer equipment or internet connection software. OBP can be used at any time, 24 hours a day; however, certain system maintenance or malfunctions may make it unavailable at times.

Services Offered

You may perform the following functions with your accounts using SACU's OBP;

1. Pay any bill.

2. Send payment to anyone.

3. Schedule payments.

4. Set up automatically recurring payments.

5. Download copies of cleared payments.

Periodic Statements

Your monthly account statement will include all OBP transactions for that statement month.

Suspension of Privileges

We may at any time, and at our sole discretion, limit or cancel the OBP we offer you. Specifically, we reserve the right to cancel access to OBP if services have not been used within any six-month time period.

Offline Transactions

OBP transactions are not online transactions. Any transactions you completed through OBP will be debited on your account the next business day except for OBP transactions that are scheduled for a later date. For transactions that are scheduled for a different date, your account will be debited the next business day after the scheduled payment.

Transit times and scheduled payments

Transactions conducted on OBP are not instant. Some payments may be sent electronically while others may be sent as a paper check. It is recommended that you allow a minimum of five (5) business days for payment to reach the payee.

Your Liability for Unauthorized Transactions

Tell us at once if you believe there has been an unauthorized transaction on your account or if you believe your OBP password has been lost or stolen. Telephoning is the best way to keep your possible losses down. You can lose no more than $50 if you fail to give us notice of a lost or stolen password. If you do give us notice of a lost or stolen password, you will be liable for the lesser of;

1. $50; or

2. The amount of any money, property, or services obtained by unauthorized use of the password before you gave us notice.

Also, if your statement shows transactions 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 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 or write us at the telephone number and address listed in this brochure.

Our Liability for late payments

Should you create or schedule a payment more than five (5) days before the payment due date and a late charge is charged, we will reimburse you any late fees up to $50.

Error Resolution

In case of errors or questions about OBP; if you think your statement is wrong; or if you need more information about a transaction listed on the statement, call or write us at the telephone number or address listed in this disclosure, as soon as you can. We must hear from you no later than 60 day after we send the first statement on which the problem or error appeared.

1. Tell us your name and account number.

2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is 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 10 business days.

We will tell you the results of our investigation within 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 45 days to investigate your complaint or question. If we decide to do this we will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time to takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not re-credit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation and your account will be adjusted accordingly. You may ask for copies of the documents that we used in our investigation.

How to Notify Us

If you believe your password has been lost or stolen, you should contact SACU to change the password immediately. If someone has accessed or may have accessed money from your checking account without your permission, call us during regular business hours at (920) 459-5151 or write;

Sheboygan Area Credit Union

1707 Indiana Ave

Sheboygan WI 53081

This Mobile Deposit Service Agreement (“Agreement”) is a contract between you and Sheboygan Area Credit Union (“SACU”) which establishes terms and conditions for the use of Mobile Deposit, SACU’s remote deposit capture services (“Services”). Your use of the Services constitutes your acceptance of the terms and conditions of this Agreement.

In addition to this Agreement, the use of SACU’s remote deposit capture services is governed by your Deposit Account Contract and Electronic Fund Transfer Disclosures, and any other agreement between you and SACU.

1) Definitions

a) In this Agreement, the following terms have the following meanings: “You” and “your” means the SACU member who enrolls in or uses the internet banking services.

b) “We,” “us,” and “our” mean Sheboygan Area Credit Union (“SACU”).

c) “Mobile deposit service” “remote deposit capture service” or “service” means the use of software and/or hardware provided by SACU to capture images of eligible items and deposit them to eligible accounts.

d) “Accounts” mean the accounts on which you are the owner or joint owner at SACU, and for which remote deposit capture services are available. e) “Business days” are Monday through Friday, excluding Federal holidays.

2) Eligible Accounts In order to use the Service, you must be a SACU member or joint owner of a SACU account, and at least eighteen (18) years of age. Additionally, we may establish other criteria for determining the eligibility of accounts (for example, the length of time the account has been open or any negative account balance activity on the account) at our sole discretion. You or we may terminate the Service on any account at any time and for any reason.

3) Eligible Items Only checks may be deposited through the Service. By depositing an item through the Service, you agree and warrant that the following:

a) The item is payable to the person or persons who own the account into which it is being deposited and complies with any restrictions noted;

b) Each image of a check transmitted is a true and accurate rendition of the front and back of the original check, without any alteration;

c) The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate. Prior to transmitting the check, you will restrictively endorse any item as “For Mobile Deposit Only” and your signature.

d) The item has been properly endorsed under your Deposit Account Agreement and applicable law;

e) The item is not drawn on a financial institution located outside of the United States;

f) The item is not a savings bond;

g) The item is payable in United States currency;

h) The item is not dated in the future or more than six (6) months prior to the date of deposit;

i) The item has not been previously been presented for payment at SACU or to any other party;

j) You do not know or believe the item to be fraudulent or unauthorized.

We may review or verify any item deposited through the Service, and we may reject an item for deposit for any reason without liability. If we reject an item through the remote deposit capture service, we may accept it through another channel (for example, at a SACU branch).

4) Endorsement and Procedures You agree to endorse all checks with “For Mobile Deposit Only” and then your signature. You agree to follow all other procedures and instructions for use of the Services as we may establish from time to time.

5) Image Quality We may determine, at our sole discretion, whether an image of an item submitted through the Service is of sufficient quality for acceptance and presentment.

6) Error Resolution You agree to immediately notify SACU of any suspected errors regarding items deposited through the Services right away, and in no event no later than 60 days after the applicable SACU account statement is sent. You agree that the deposit of an item through the Service is not an “Electronic Funds Transfer” under the federal Consumer Financial Protection Bureau’s Regulation E.

7) Availability of Funds Subject to the other provisions of this Agreement, funds deposited through the Service will be available on the second (2nd) business day after the day of your deposit. If you make a deposit before 4:00 p.m. Central Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 p.m. Central Time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. We may make some or all of the funds deposited through the Service available sooner than the times described in this Paragraph, at our sole discretion.

You agree that items deposited through the Service are not subject to the funds availability of the Federal Reserve Board Regulation CC, and that we may delay the availability of funds deposited through the Service if we determine that the item is not eligible as described in #3: Eligible Items of this Agreement or that the item is over any deposit limit we may establish, or if we believe for any reason that the item may not be paid. We may request additional information from the member.

8) Destruction of Original Items After you use the Service to deposit an item, you agree not to deposit the same item anywhere else or through any other channel. Upon receipt of a confirmation from SACU that we have received the image of an item and your check has been posted, you agree to prominently mark the item as “Deposited” or “VOID” along with the date on the face of the check. You agree to retain the item for fourteen (14) calendar days or longer if we request it, and then destroy the item or otherwise make it incapable of further deposit or presentment. You agree to be liable for the failure to destroy items as described in this Agreement, or if an item is deposited through the Service and the same item is later presented or deposited again.

9) Deposit Limits We will establish limits, such as the maximum dollar amount per item, per day, and maximum number of items or dollar amount per day, deposited through the Services. We may establish or change such limits at any time and without notice to you.

10) Hardware and Software. You agree to obtain and maintain, at your expense, compatible hardware and software as specified by SACU from time to time. SACU is not responsible for any third-party software you may need to use the Services. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter directly with the third-party software provider at time of download and installation.

11) Indemnification You agree to be solely liable for the use or misuse of the Service, and you agree to indemnify, defend and hold us and any third-party provider of software, internet provider or services harmless from any legal action or claim asserted against us and/or third-party providers by any other party relating to your use of the Service and any claims, liabilities, damages, costs and expenses (including reasonable attorney fees) incurred by us and/or its third-party provider as a result of your use or misuse of the Service.

SACU is not responsible for any loss, injury or damages, whether direct, indirect, special or consequential, caused by the Internet Provider, any related software, including that of third parties or SACU’s use of any of them or arising in any way from the installation, use, or maintenance of YOUR personal computer hardware, software, or other equipment. You agree to ensure your mobile device remains securely within your possession until the deposit has been completed or deleted. We are not responsible for any deposit information left on your mobile device and/or not transmitted or deleted from your mobile device.

12) Fraud and Termination We may terminate this Service at any sign of abuse or fraud. If fraud occurs, we may freeze all applicable accounts and remove them from the Service. We will also contact you. If you are no longer eligible for the Service, we may terminate the Service and provide you notice upon termination.

13) Limitations on Service You agree not to hold us liable for interruptions in the availability or functionality of the service, which may occur without notice to you for technical or other reasons.

14) Amendment We may add to, change, or delete the terms of this Agreement by providing notice to you of any material changes via e-mail or on our website by providing a link to the revised Agreement. Your continued use of the Services will indicate your acceptance of the revised Agreement. We may also add to, change, or delete some functionalities or features of the Service at any time without notice. If you do not consent to a modification of this Agreement or the Service, you may terminate and discontinue your use of the Service at any time by notifying us.

15) No Waiver We will not be deemed to have waived any of our rights or remedies under this Agreement unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies will operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.

16) Severability The invalidity or unenforceability of any provision of this Agreement will in no way affect the validity or enforceability of the remainder of this Agreement or any of its provisions.

17) Applicable Law This Agreement will be governed by and construed in accordance with Wisconsin law to the extent not preempted by federal law. The parties consent to jurisdiction and venue for resolution of disputes in Sheboygan County, Wisconsin.