RETAIN FOR YOUR RECORDS

The following information defines and describes the types of Electronic Funds Transfers, which are available to members with GEORGIA HERITAGE FCU Online service. It also contains your rights and responsibilities concerning these transactions, including your rights under the Electronic Funds Transfers Act. Please read this document carefully. You may want to print it or save it for future reference.

1. INTERNET ACCOUNT ACCESS. Our Internet address is www.gaheritagefcu.org . You can use GEORGIA HERITAGE FCU Online account access to:
1. Obtain balances and other account details on your savings, checking and loan accounts.
2. Make transfers between your savings and checking accounts.
3. Review up to three months transaction activity on your accounts, excluding Visa ® and mortgage loans.
4. Download selected transactions from savings and checking accounts to personal financial management software, including Quicken and Money.
5. Make payments to third parties through Bill Pay service (service charges apply). Bill Pay service is provided to GEORGIA HERITAGE FCU members by Metavante.

2. Limitations on Transfers. The functions and limitations of GEORGIA HERITAGE FCU Online Internet account access service may be updated, without notice, at the option of Georgia Heritage FCU in order to provide improved service to the membership.
3. Liability. By applying for Internet account access, you agree to accept responsibility for protecting the integrity of your PIN and Password, in order to prevent unauthorized transactions and/or account access. You also agree that GEORGIA HERITAGE FCU may revoke your Internet account access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding the PIN and Password. Granting access to your account via the Internet to any other person (non-owner) will make you financially liable for all unauthorized access, losses or misuse of the account, until reported to GEORGIA HERITAGE FCU. Tell GEORGIA HERITAGE FCU at once, if you believe your account number, PIN, password, or any record thereof, has been lost or stolen, or if your account has been accessed without your authority. Telephoning is the best way of keeping your possible losses down, but you may also notify us by writing to the address below. You could lose all the money in your accounts, but if you tell us within two (2) business days of the loss, theft, or unauthorized access, you can lose no more than $50 if someone accesses your account without your permission. If you do NOT tell us within two (2) business days after you learn of the unauthorized access, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. If your statement shows any electronic fund transfer you did not make or authorize to be made, 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 may extend the time periods. Should you elect to notify the credit union by telephone, you must also put your request in writing so that it is received by the credit union no more than (10) days after the original call.
4. Address and Telephone Numbers. If you believe unauthorized access occurred on your account, or your PIN or Password has been stolen, or that someone has transferred or may transfer money from your account by accessing your account without your permission, call GEORGIA HERITAGE FCU Monday through Friday between the hours of 9:00 a.m. and 5:00 p.m. Eastern Time at 800-442-8877 or 912-236-4400; or write to us at Georgia Heritage FCU, P O Box 1920 Savannah, GA 31402.
5. Business Days. For purposes of these disclosures, GEORGIA HERITAGE FCU's business days are Monday through Friday, excluding holidays.
6. Documentation of Transactions. Your periodic statement will specifically identify each electronic transaction. You may call us at 912-236-4400 or 800-442-8877 to verify your deposits and other transactions. You will receive a monthly account statement for each month in which you initiate electronic transactions. In any case, you will get a statement at least quarterly. Additionally, through GEORGIA HERITAGE FCU Online Internet access service, you can view all of your transaction activity at any time.
7. Charges. There is no charge for GEORGIA HERITAGE FCU Online account access or the Bill Payer service. Charges you may incur: Bill pay non-sufficient funds/return item fee of $28 and bill pay stop payment fee of $28 per item. Both fees will be deducted from your checking account by Metavante.
8. Canceling Online Bill Payments. GEORGIA HERITAGE FCU Online transactions are "real time" and cannot be canceled except by performing corresponding reverse transactions. You may be able to stop payment on certain Bill Payer transactions by calling Metavante Customer Service at 800-823-7555 and you will incur a $28 fee per item. Any recurring payments initiated by you through Bill Payer service will continue until such time as you specifically cancel those payments online.
9. Liability for Failure to Make Transfers. If GEORGIA HERITAGE FCU or Metavante fails to complete a transfer to or from your account on time 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:
1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If your transfer will go over the credit limit of your line-of-credit loan(s).
3. If the funds in your account are subject to legal process, such as garnishment or attachment, or if the account is subject to a pledge or security agreement.
4. If circumstances beyond our control prevent the transfer, despite reasonable precautions we have taken.
5. If you have reported an unauthorized use of your PIN or Password, reported it as stolen, or requested that we issue a new PIN, and we have as a result refused to honor the original PIN or Password.
10. Information to Third Parties. We will disclose information to third parties about your account or the transactions you make:
1. If we return checks drawn on your account for insufficient funds or if we are unable to complete an electronic transfer because of insufficient funds.
2. Where it is necessary for completing transfers.
3. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
4. In order to comply with government agency or court order.
5. If you give us your written permission.
11. In Case of Errors or Questions about your Electronic Transfers. If you think your statement is wrong or if you need more information about a transaction listed on the statement, immediately telephone us at 912-236-4400 or 800-442-8877, Monday through Friday, between the hours of 9:00 a.m. and 5:00 p.m. Eastern Time; or write us at P O Box 1920 Savannah, GA 31402. We must hear from you no later than 60 days after we sent you 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, including the transaction confirmation number if possible, 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 verbally, 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 calendar 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 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 10 business days, we may not re-credit your account.

If we decide there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.