Home Banking Electronic Funds Transfer Agreement and Disclosure
This disclosure statement sets forth certain rights and responsibilities which you as a member and we, the credit union, have under the Electronic Fund Transfer Act. The provisions of this act apply whenever you use our personal computer home banking service "GHS@Home Banking". The term "Home Banking" in this disclosure does not apply to the Bill Payer Service offered by us. There is a separate disclosure for that service which must be accepted at the time of registration for GHS Federal Credit Union's Bill Payer Service.

An electronic fund transfer occurs when you use electronic means to make deposits, payments or withdrawals from your share or sharedraft account. A personal computer is considered an electronic means.

Use of GHS Federal Credit Union's GHS@Home Banking Service constitutes agreement with the terms and conditions of this electronic disclosure statement. We strongly suggest that you print out this electronic disclosure statement and file it for future reference. You may request a copy of this disclosure from the credit union by calling us, writing to us or sending us a request via our secure online form.

KINDS OF EFT TRANSACTIONS
You may use your personal computer plus your password do the following: CONDITIONS OF USE
Accounts that are subject to the usual ownership conditions will be accessible through GHS@Home Banking. Any account with special ownership conditions such as, but not limited to: guardianship, trust accounts, multiple signature accounts, UGTMA, UTTMA or other fiduciary relationships, will not be accessible through remote banking services.

LIABILITY FOR USE
You are responsible for any EFT transactions that you make with GHS@Home Banking. If you give your Remote Banking password to another person who is not authorized on the account and that person accesses your account, you are responsible for the transactions. If you believe that someone unauthorized has access to your Remote Banking password, and you notify the credit union within two business days after you learn of the breach of access, your liability may be limited to $50.00. If you do NOT tell us within two business days of the breach of access, and we can prove that we could have prevented the loss if you had told us, you could lose as much as $500.00. In cases of intentional fraud, you are liable for the entire amount.

If your statement shows transactions or transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get any money back, if we can prove that we could have stopped someone from accessing your account if you had told us in time.

LIMITATIONS
Per Regulation D, for share savings accounts you may make up to 6 (six) preauthorized, automatic, telephonic, audio response or PC home banking transfers to another account of yours, or to a third party during any calendar month. A preauthorized transfer includes any arrangement with us to pay a third party from your account by oral or written request through the automated clearing house electronic fund transfer system. You may make unlimited transfers or payments from your checking account. We may refuse to make any transfer that exceeds these limitations.

IN CASE OF ERRORS OR QUESTIONS REGARDING GHS@HOME BANKING TRANSACTIONS - WHERE TO CALL

If you believe someone has access to your GHS@Home Banking or STAR password, immediately call: 607.723.7962 or 1.800.732.4447

If you believe a transaction on your statement is wrong, contact us as soon as you can or if you need more information. We must hear from you no later than 60 days after we mailed the FIRST statement on which the problem or error appeared.

Tell us your name and account number, a description (including dollar amount) of the transfer you are unsure about, and explain why you believe it is in error. If you tell us verbally, we may require that you send us your complaint or questions 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 decide there is no error, we will send you a written explanation within 3 business days after we finish our investigation. you may ask for copies of the document that we used in our investigation.

RIGHT TO RECEIVE RECEIPTS AND STATEMENTS
When you transfer funds through GHS@Home , you have the option to print out the receipt electronically generated by your computer. If you have a sharedraft account, you will receive a monthly account statement. If you do not have a sharedraft account, you will receive monthly statements for any month in which you have electronic transactions posted.

FEES
There is no monthly maintenance fee for home banking.
Copy of a cleared draft (check): $2 per draft copy
Copy of a Bill Payer cleared draft (check): $5 per draft copy
Stop payment of a draft (check): $20 per draft or series of drafts

DISCLOSURE OF ACCOUNT INFORMATION
We may disclose information about your account to third parties only as needed: