1.
Loan Disclosure
Statement and Agreement
PROMISE TO PAY: I promise to repay, in United States dollars, all monies borrowed pursuant to this loan plan, plus the agreed INTEREST CHARGE, late charges, collection costs, attorney’s fees and any other costs which become due under this Agreement. Payments will be mailed or delivered to your offices on or before the scheduled due date for each payment. I understand that I remain liable for the repayment of all debt incurred pursuant to this account even though any agreement, divorce decree or other court judgment to which you are not a party may direct some other party to pay the debt. 2.
HOW THE PLAN WORKS: This loan plan permits me to make both secured and signature advances up to the credit limits which will be disclosed to me upon approval. Any advance which exceeds my signature credit limit must be secured by collateral acceptable to you. Line of Credit signature advances are of a revolving nature, and that amount of each payment which is applied to principal reduction is automatically made available to me for new advances. Secured advances are based upon the value of the collateral offered. As the collateral declines in value, the amount which may be borrowed on that collateral also declines. The Credit Union may, at any time, refuse to make an advance, require a credit update from me, or require additional or replacement collateral. My credit limits may be adjusted from time to time based on changes in my creditworthiness. Each individual loan type (signature, auto, share secured, etc.) is considered as a sub‐account of my overall credit account, and my default on any feature of my account may be considered by you to be default of the entire account. 3.
ADVANCES: Advances may be made via any means which the Credit Union makes available to me. These may include advances made via cash or check; cash advances or purchases made by use of a plastic card or ATM card with a credit feature; transfers between my share (savings) and share draft (checking) accounts; overdrafts to my share draft (checking) account or advances made by any automatic telephone transfer service, Internet or via PC, which you make available to me. No advance can be made which would cause my loan balance to exceed my stated credit limit(s). 4.
JOINT ACCOUNTS: If I have applied for joint credit with my spouse or other co‐applicant, I understand that each of us shall have total access to this account and shall be able to make advances without the other party’s knowledge or approval. If any credit device, such as a credit card, is issued pursuant to this account, I understand that all applicants for credit shall receive that device, mailed to their address of record. You may refuse to follow any instructions which run counter to this provision. 5.
PAYMENTS: I may pay all or any part of any outstanding loan balance I have with you at any time without penalty, however, I may not pay less than the minimum periodic payment required on any loan. The required periodic payment for each loan will be disclosed to me in the Advance Request Voucher and Security Interest Disclosure I will receive at the time of each new loan or secured advance, as applicable. Since each loan made pursuant to this loan plan account is considered as a sub‐account of the plan as a whole, you may apply each payment received to whichever loan you wish. I understand that payments will be applied to my loan(s) as designated by me, and that you will exercise the right to assign payments to other loans only if I am delinquent on such loan. Payments will be applied first to any late charges or collection costs owing, including attorney’s fees, then to accrued INTEREST CHARGE, and then to reduce the outstanding principal balance. 6.
A payment is due on all line of credit loans and all VISA credit card accounts each month, regardless of the amount of the previous payment. I may advance the due date on all other loans by paying at least twice the regular required payment. CREDIT INSURANCE: If I request credit insurance on any loan made pursuant to this loan plan, I understand that my request covers all sub‐account loans from the date of request forward, although I may cancel coverage on any or all sub‐account loans at any time by providing you with written notice. 7.
INTEREST CHARGE: The INTEREST CHARGE imposed on all loans made pursuant to this loan plan will be computed by multiplying the outstanding principal balance at the close of business each day in each sub‐account by the daily periodic rate applicable to that sub‐account. The sums of each day’s INTEREST CHARGE are added together until the date of next payment. This determines the INTEREST CHARGE applied to that payment. An INTEREST CHARGE is imposed for each day there is an outstanding balance in my account. There is no grace period. The outstanding principal balance is that amount owing on my account at the close of business each day, after all transactions have been entered. The ANNUAL PERCENTAGE RATE, and corresponding daily periodic rate applicable to each sub‐account, will be disclosed to me in the “Consumer Loan Programs” insert which I have received. © 7/2010 First U.S. Community Credit Union
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VARIABLE RATE LOANS AND ADVANCES: If any sub‐account loan is disclosed to me as being subject to a variable rate of interest, I understand that the ANNUAL PERCENTAGE RATE applicable to those loans will increase or decrease if there is a similar increase or decrease in the Index described in the “Consumer Loan Programs” insert. Rates are adjusted on the first day of each month. 9.
PLEDGE OF SHARES AND DEPOSITS: As security for any and all advances I receive pursuant to this loan plan, I pledge all shares and deposits I have with you now or in the future, as well as all payments, interest and earnings on those present and future deposits. I further understand that the Federal Credit Union Act grants you a statutory lien on all shares and deposits I have with you, up to the degree of delinquency. This lien does not apply to funds held in an IRA or Keogh account, or to credit card transactions. 10. LATE CHARGES: If I am 10 days or more delinquent on any loan I have with you, I will pay a late charge equal to 20% of the interest due, with a minimum of $10 and maximum of $50. The late fee applicable to VISA or Non Line of Credit Real Estate transactions is disclosed under separate headings. 11. SPECIAL LOAN RATES: When available, I may receive a special loan rate if I maintain qualifying accounts/services with you. I agree to maintain those qualifying accounts for the full term of each loan on which I have received a special rate. Failure to maintain the required accounts/services will result in my rate being changed to either the regular loan rate applicable to that type of loan at the time of the initial advance on that loan, or the regular (non‐discounted) rate in effect at the time I fail to qualify for the special rate, at your sole option. 12. LOANS SECURED BY SHARE CERTIFICATES: The ANNUAL PERCENTAGE RATE applicable to any loan secured by a share Certificate of is subject to change each time the loan “rolls over.” “Roll over” occurs when the Certificate has reached its maturity date, and the rate will be increased or decreased at that time to match any increase or decrease in the interest rate paid on the Certificate. The payment amount will not change. 13. DEFAULT: If I do not make any payment when due; or if I fail to maintain required property insurance; or if I do not pay at least the minimum periodic payment required; or if I become insolvent or a subject of bankruptcy proceedings; or if any other creditor, including the IRS, tries by legal means to take any of my money in your possession; or if I have made any misrepresentation to you or have not fulfilled any promise to you, then I will be in default under this Agreement and you may, at your option, declare all amounts owed by me to you to be immediately due and payable. I agree to pay you at that time the entire balance due on all sub‐account loans, plus the accrued INTEREST CHARGE and any other charges or costs which have become due. 14. ADVANCES TO SECURED LOANS: I may make advances to my secured loans from time to time. Available credit on secured loans will be based on the loan value of the collateral at the time of the request, less any outstanding balance, and will be subject to the rates and terms applicable to that type of collateral; for example, if I have made a loan for the purchase of a new auto and subsequently request an advance to that same collateral, the entire new balance will be subject to the terms and rates of a used car loan. 15. CHANGE IN TERMS: I understand that you may, from time to time, change the terms of this Agreement. I will be given notice of any such change in terms in writing prior to the effective date of the change. Any change in terms will apply to my existing loan balance(s) affected by the change, as well as any subsequent advances to those loans. 16. NOTIFICATION BY BORROWER: I agree to notify you promptly of any change in my name, address, employment or any other factor which may affect my ability to repay my obligation to you. 17. CREDIT AND EMPLOYMENT INFORMATION: I authorize you to investigate my employment history and credit standing when opening or reviewing my account. You may receive credit information concerning me from others and may, to the extent permitted by law, supply others with information regarding my credit history with you. 18. PERIODIC STATEMENTS: I will receive a periodic statement disclosing all activity affecting my account during the time period covered by that statement. I will receive a statement no less often than quarterly. If I am currently receiving a statement more frequently than quarterly, I will continue to receive the more frequent statements. © 7/2010 First U.S. Community Credit Union
19. TERMINATION: Either you or I may terminate this account at any time by giving the other party written notice. Termination may be for any good cause. Termination by either party does not relieve me of my responsibility to repay all sums owing at the time of termination. 20. COLLECTION COSTS: If I am in default and you must initiate collection procedures, I agree to be responsible for all costs you incur, including, but not limited to, the cost of retaking, repairing, storing and selling the property, court costs and reasonable attorneys fees, even if litigation has not commenced. All costs incurred by the Credit Union will be added to my outstanding balance and will bear interest at the same rate as the loan. 21. APPLICABLE LAW: Except as governed by federal law, this Agreement shall be construed and governed according to the laws of the State of California. If you have to sue me, you may do so in Sacramento County, California. 22. ADDITIONAL PROVISIONS: a)
I agree to provide you with a current financial statement or any other credit related information that you request, and you have the right to make no further advances until I provide you with the information, and you have determined that the information is satisfactory. You may, at your sole option, declare me in default if I fail to provide you with the required information when requested. b) I agree that if any part of this Agreement is found invalid, it will in no way affect the remainder of the Agreement. c) My signing or endorsing any checks, drafts or purchase slips issued pursuant to this loan plan; or the endorsement of any person or entity that I have designated to receive payment or make use of my credit card; or my use of my ATM card or PIN number shall further evidence my acceptance of the terms and conditions of this Agreement. d) You may delay enforcing any of your rights under this Agreement without losing them. e) You may accept late or partial payments, even if marked “paid in full” without losing any of your rights under this Agreement. f) This Agreement shall be binding upon my heirs, assigns and legal representatives. If, in the future, you decide to modify the terms of my account, this Agreement will remain in force to protect you. 23. AGREEMENT CONTROLS: Both you and I will be bound by this Agreement. If there is a conflict between this Agreement and something said by an employee or representative of the Credit Union, I agree that this Agreement controls. SECURITY AGREEMENT 1.
SECURITY PLEDGE: To protect the Credit Union if I default on any loan, I grant you a security interest under the Uniform Commercial Code (UCC) as adopted by the State of California or, as applicable, the state in which you file your lien on the collateral, or under any other code as applicable to the type of collateral. The collateral pledged as security for each sub‐
account loan shall be disclosed in the Advance Request Voucher which I will receive at the time of each advance. The Credit Union’s interest in the collateral shall include both the original collateral and any additions or changes thereto. I understand and agree that all loans and advances made pursuant to the Line of Credit loan plan are considered part of my overall credit account with you, and that any property pledged as collateral for any advance made pursuant to this account also serves as collateral for all other advances made by me. You agree to release any collateral on which all sums borrowed have been repaid. The above cross‐collateralization clause does not apply to household goods as defined by the FTC. The Federal Credit Union Act further grants the credit union a security interest in all shares on deposit with the Credit Union to the limit of any delinquency. 2.
OWNERSHIP OF COLLATERAL: I promise you that I will be the rightful owner of any property which I offer as collateral for any loan or advance, and that I will not permit anyone else to obtain a security interest in it. 3.
MAINTENANCE OF COLLATERAL: I will maintain the collateral in good condition. I further agree a) to help you to protect your interest in the collateral; b) not to change the location of the collateral without your permission; c) not to make any changes or alterations to the collateral which may reduce its value without your approval and d) not to use the collateral in a reckless or unlawful manner. 4.
PROPERTY INSURANCE: I will maintain insurance on all property pledged as collateral on my Line of Credit loan plan account in a form and amount satisfactory to you. This insurance must provide, in the case of motor vehicles, at least Collision, Fire, Theft and Comprehensive Coverage; in the case of boats, Hull Insurance, and in the case of other chattel, Broad Form Physical Damage Insurance Coverage. I may obtain coverage from any insurer of my choosing who is satisfactory to you, and I will provide you with proof of such insurance in a timely manner. I will name the Credit Union as Loss Payee in any policy obtained. If, for any reason, the insurance policy protecting any property I have pledged to you as collateral is cancelled, I agree that you © 7/2010 First U.S. Community Credit Union
are entitled to any refund from the insurance company. I will maintain insurance for as long as there is an outstanding balance due on my loan. If I fail to maintain coverage, the Credit Union may, but is not required to, obtain coverage in an amount sufficient to protect its interest in the collateral, and add the cost of that coverage to my loan balance. This insurance cost shall be subject to the same rate of INTEREST CHARGE as the loan secured by the collateral. If you must add coverage to protect your interest, you may, at your sole option a) increase the term of my loan or b) increase my monthly payment to an amount satisfactory to you or c) require that I pay the entire cost of the added coverage at once. It is my obligation to insure all collateral, and my failure to do so may be considered a default on my loan account, and you may declare my entire account due and payable if I do not maintain proper insurance coverage. If you must obtain coverage, I understand that this coverage will only be in an amount sufficient to protect your interest in the collateral, and will not comply with any Financial Responsibility Law or No Fault Law. 5.
DEFAULT AND REPOSSESSION: If I am in default, you will have all the rights of a secured party under the UCC of the State of California or, as applicable, the state in which you filed your lien on the collateral (or other such applicable code), as well as any rights you have under this Agreement. I agree, at that time, to return the collateral to you at a place of your choosing, in a timely manner. You may also take the collateral peaceably, and sell it. You agree to apply the “net proceeds” of the sale to reduce the amount I owe. The “Net proceeds” shall be the sale price less the expenses you incur to retake, repair, store and sell the collateral, including reasonable attorney’s fees as permitted by law. I understand and agree that any proceeds from the sale of the collateral may be applied to any loan made pursuant to the Line of Credit loan plan on which you have declared me to be in default, at your option and discretion. To facilitate the release or transfer of my interest in any motor vehicle in which you have a security interest and hold the Certificate of Title, I grant you a Power of Attorney to allow you to sign my name to any such Certificate(s) and to apply in my name for the issuance of a Certificate of Title to any motor vehicle to which I become owner. 6.
DEFICIENCY AGREEMENT: I am responsible for the repayment of all sums owing under this Agreement and made pursuant to this loan plan, and it remains my obligation to repay all sums owing after the sale of the collateral. 7.
ADDITIONAL ADVANCES: The Credit Union may make advances to me or to any third party (such as an insurance company) to protect its interest in the collateral, and I agree to be responsible for the repayment of all such amounts. Any additional advances made by the Credit Union will be secured by the collateral. MY BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE This notice tells about my rights and your responsibilities under the Fair Credit Billing Act. What To Do If I Find A Mistake On My Statement If I think there is an error on my statement, I must write to you at: First U.S. Community Credit Union 580 University Avenue Sacramento, CA 95825 In my letter, I will give you the following information: • Account information: My name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If I think there is an error on my bill, I will describe what I believe is wrong and why I believe it is a mistake. I must contact you: • Within 60 days after the error appeared on my statement. • At least 3 business days before an automated payment is scheduled, if I want to stop payment on the amount I think is wrong. I must notify you of any potential errors in writing. I may call you, but if I do you are not required to investigate any potential errors and I may have to pay the amount in question. What Will Happen After You Receive My Letter © 7/2010 First U.S. Community Credit Union
When you receive my letter, you must do two things: 1. Within 30 days of receiving my letter, you must tell me that you received my letter. You will also tell me if you have already corrected the error. 2. Within 90 days of receiving my letter, you must either correct the error or explain to me why you believe the bill is correct. While you investigate whether or not there has been an error: • You cannot try to collect the amount in question, or report me as delinquent on that amount. • The charge in question may remain on my statement, and you may continue to charge me interest on that amount. • While I do not have to pay the amount in question, I am responsible for the remainder of my balance. • I can apply any unpaid amount against my credit limit. After you finish your investigation, one of two things will happen: • If you made a mistake: I will not have to pay the amount in question or any interest or other fees related to that amount. • If you do not believe there was a mistake: I will have to pay the amount in question, along with applicable interest and fees. You will send me a statement of the amount I owe and the date payment is due. You may then report me as delinquent if I do not pay the amount you think I owe. If I receive your explanation but still believe my bill is wrong, I must write to you within 10 days telling you that I still refuse to pay. If I do so, you cannot report me as delinquent without also reporting that I am questioning my bill. You must tell me the name of anyone to whom you reported me as delinquent, and you must let those organizations know when the matter has been settled between us. If you do not follow all of the rules above, I do not have to pay the first $50 of the amount I question even if my bill is correct. My Rights If I Am Dissatisfied With My Credit Card Purchases If I am dissatisfied with the goods or services that I have purchased with my credit card, and I have tried in good faith to correct the problem with the merchant, I may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in my home state or within 100 miles of my current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if my purchase was based on an advertisement you mailed to me, or if you own the company that sold me the goods or services.) 2. I must have used my credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses my credit card account do not qualify. 3. I must not yet have fully paid for the purchase. If all of the criteria above are met and I am still dissatisfied with the purchase, I must contact you in writing at: First U.S. Community Credit Union 580 University Avenue Sacramento, CA 95825 While you investigate, the same rules apply to the disputed amount as discussed above. After you finish your investigation, you will tell me your decision. At that point, if you think I owe an amount and I do not pay, you may report me as delinquent. ELECTRONIC FUNDS TRANSFER AGREEMENT 1.
APPLICATION OF THIS AGREEMENT: This Agreement governs the use of my ATM/Debit card, and my Personal Identification Number (PIN), which I may use to complete transactions at authorized ATMs and via the use of Phone‐24 Automated Telephone service. This Agreement defines my responsibility and that of the Credit Union with respect to all Electronic Fund Transfers (EFT). I understand and agree that the terms and conditions of the Line of Credit loan plan Agreement also apply to use of my ATM/Debit card and PIN with respect to credit transactions. An Electronic Fund Transfer is defined as any transfer of funds © 7/2010 First U.S. Community Credit Union
other than by check or other paper instrument which is performed through the use of an ATM/Debit, automated telephone service (Phone‐24) or other electronic device. The EFT services which are offered by this Credit Union are below. 2.
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PHONE‐24 TELEPHONE AUDIO RESPONSE: a) Make withdrawals from my share draft/checking and share accounts (except IRA and certificate accounts). A check will be mailed from the Credit Union on the following business day to my address currently on file. b) Transfer funds between my share draft and share accounts or transfer to loan accounts. c) Obtain account balances, loan payment amounts and due dates. d) Obtain information about the last dividend paid to an account. e) Obtain information about the most recent payroll deductions posted to my account. f) Obtain tax information, including total interest paid and dividends earned from the previous year for each tax identification number. g) Obtain information on drafts/checks cleared within the past month. h) Any other services which you may offer in the future. ATM/DEBIT CARD: a) Make withdrawals from my share and share draft accounts. b) Obtain information regarding my account balances. c) Make deposits to my regular share and share draft accounts (only at CO‐OP ATMs). d) Make payments on my Credit Union loans (only at CO‐OP ATMs). e) Make transfers between primary share and checking accounts owned by the same member and bearing the same account number (only at CO‐OP ATMs). f) Make an advance to my line of credit signature account (only at CO‐OP ATMs). g) Any other services which you may offer in the future. OTHER EFT SERVICES: a) Direct Deposit. I may make a direct deposit to my share and/or share draft accounts via an ACH (Automated Clearing House). b) I may use my VISA at an authorized ATM to make a cash advance. c) Point of Sale Transactions: I may use my ATM card at designated Point‐of‐Sale terminals to purchase goods and services. 5.
ATM TRANSACTION LIMITATIONS: I may make up to six (6) automatic transfers per month. All ATM transactions are limited to the amount permitted me by the Credit Union. All ATM advances and withdrawals are subject to the limitations placed on each individual ATM by its owner. 6.
FEES AND CHARGES: All fees and charges applicable to ATM/Debit cards and other EFT transactions will be shown in the “Pricing Schedule” insert received with this Agreement and available at all Credit Union offices. 7.
RECEIPT OF ATM/DEBIT CARD: ATM/Debit cards and PINs are sent separately. Only one PIN will be issued per account. I understand that any party who obtains my PIN and my ATM/Debit card can withdraw funds from any of my accounts, and that I am responsible for the actions of anyone to whom I give my card and PIN. 8.
RETENTION OF ATM/DEBIT CARD: If I enter an incorrect PIN 3 times, my card may be retrieved and retained by the ATM and may be destroyed by the retaining institution. 9.
VERIFICATION: All deposits made at authorized ATMs will be credited to my account provisionally, subject to verification by you and collection of the funds. Funds deposited by check are subject to hold periods in accordance with Credit Union Check Hold Policies. This may affect my ability to withdraw funds. 10. ACKNOWLEDGEMENTS: I will receive an acknowledgement (receipt) for each transaction which is made at an authorized ATM. 11. OWNERSHIP OF ATM/DEBIT CARD: The ATM/Debit card remains the property of First U.S. Community Credit Union. 12. INFORMATION DISCLOSURE TO THIRD PARTIES: You may disclose information to third parties about my account or any transactions I engage in: a) Where it is necessary for completing transactions; or b) In order to verify the existence and condition of my account for a third party such as a merchant or credit bureau; or © 7/2010 First U.S. Community Credit Union
c) In order to comply with a government agency or court orders, subpoenas or other legal documents; or d) If I give you my written permission. 13. PERIODIC STATEMENTS: At least monthly, I will receive a statement for each account which may be accessed by an Electronic Fund Transfer. I will get a statement of account for each month I make an electronic fund transfer unless that transfer is a deposit via an ACH, a payroll deposit, or a direct deposit. 14. MEMBERS LIABILITY, ATM/DEBIT CARD: I must notify you AT ONCE if I believe my ATM/Debit card or my PIN has been lost or stolen. Telephoning is the best way of keeping my possible losses down. If I use my ATM/Debit card to access the loan plan, I may be liable for the unauthorized use of my ATM/Debit card. I will not be liable for unauthorized use that occurs after I notify you, orally or in writing, of the loss, theft, or possible unauthorized use. If I believe my ATM/Debit card has been lost or stolen, I will immediately inform the Credit Union by calling or writing to you at the telephone number or address at the end of this section. If the card is used to obtain unauthorized advances directly from the loan plan, my liability will not exceed $50. If the unauthorized withdrawal is from a share draft account, my liability is governed by the Regulation E disclosures I received at the time I received my ATM/Debit card, even if the withdrawal results in an advance being made from my overdraft subaccount. Also, if my statement shows electronic fund transfers that I did not make, I will tell you AT ONCE. If I do not tell you within sixty (60) days after the statement was mailed to me, I may not get back any money I lost after the sixty (60) days if you can prove that you could have stopped someone from taking my money if I had told you in time. If a good reason (such as a long trip or a hospital stay) kept me from telling you, you may extend the time periods. If I authorize someone else to use my ATM card or PIN I am responsible for all transactions which that person initiates at any time, even if the amount of the transaction exceeds what I authorized, or the card or PIN is used for a type of transaction other than what I have authorized. If I believe that my ATM card has been lost or stolen or that someone has withdrawn or may withdraw money from my account without my permission, or if I wish to end my authorization for any other party to use my PIN, I may call you at (916) 576‐5700 or (800) 556‐6768 or write to you at: First U.S. Community Credit Union, 580 University Avenue, Sacramento, CA 95825. 15. CREDIT UNION LIABILITY, ATM TRANSACTIONS: If you do not properly complete an ATM transaction on time or in the correct amount according to your Agreement with me, you may be liable for my losses or damages. There are some exceptions. You will not be liable if: a) Through no fault of yours, my account(s) do not contain enough cash or sufficient collected funds to make the transaction. b) The ATM where I am making the transaction does not have enough money to complete the transaction. c) The ATM was not working properly (and I knew about the breakdown when I started the transaction). d) The money in my account is subject to legal process or other claim. e) Circumstances beyond your control, such as fire, flood, electrical failure or malfunction of central data processing facilities prevent the completion of the transaction. f) The transaction exceeds my Line of Credit limit. g) If my ATM card or PIN has been reported lost or stolen and you blocked the account. h) If my ATM card expired, is damaged so that the machine cannot read the encoding strip, is inactive due to non‐use or because my PIN has been repeatedly entered incorrectly. i) If my ATM card is retrieved or retained by an ATM. j) If I fail to follow instructions posted at the ATM or otherwise authorized by you. k) Other exceptions as established by the Credit Union from time to time. 16. CREDIT UNION LIABILITY, AUTOMATED TELEPHONE TRANSACTIONS: If you do not complete a transaction on time or in the proper amount according to your agreement with me, you may be liable for my losses or damages. As with the ATM card, there are some exceptions. You will not be liable if: a) I fail to follow the proper procedures for completing a telephone transaction. b) Through no fault of yours, my account(s) do not contain enough cash or sufficient collected funds to make the transaction. c) The money in my account is subject to legal process or other claim. d) Circumstances beyond your control, such as fire, flood, electrical failure or central data processing malfunctions prevent the completion of the transaction. e) Other exceptions as established by the Credit Union from time to time. 17. ADDITIONAL PROVISIONS: a) I agree to follow all posted instructions at authorized ATMs when using my ATM/Debit card. © 7/2010 First U.S. Community Credit Union
b) If I wish to find out if you received my automatic transfer, I may call you at (916) 576‐5700 or (800) 556‐6768 Monday through Friday, 7:30 am – 6:00 pm and Saturday from 9:00 am – 2:00 pm. c) Credit Union branch hours are Monday through Thursday, 9:00 am to 5:30 p.m., Fridays from 9:00 am to 6:00 p.m. and Saturdays from 9:00 am to 2:00 p.m. at the Cottage Way, Rocklin, Auburn and Grass Valley branches. The Credit Union is closed on all legal holidays. IN CASE OF ERRORS OR QUESTIONS ABOUT ELECTRONIC FUNDS TRANSFER I may telephone you at (916) 575‐5700 or write you at First U.S. Community Credit Union, 580 University Avenue, Sacramento, CA 95825 as soon as I can if I think my statement or receipt is wrong or if I need more information about a transfer listed on the statement or receipt. I must notify you no later than 60 days after you sent the FIRST statement on which the problem or error appeared. • I will give you my name and my account number. • I will describe the error or transfer I am unsure about, and explain as clearly as I can why I believe it is an error or why I need more information. • I will also tell you the dollar amount of the suspected error. • If I tell you orally, you may require that I send you my complaint or question in writing within ten (10) business days. You will tell me the results of your investigation within 10 business days after you hear from me and will correct any error promptly. If you need more time, however, you may take up to 45 days to investigate my complaint or question. If you decide to do this, you will recredit my account with (ten) 10 business days for the amount I think is in error, so that I will have the use of the money during the time it takes you to complete your investigation. If you ask me to put my complaint or question in writing and you do not receive it within ten (10) business days, you may not recredit my account. If you decide that there was no error, you will send me a written explanation within three (3) business days after you finish your investigation. I may ask for copies of the documents that you used in your investigation. © 7/2010 First U.S. Community Credit Union