June 2016 Account Agreement and Disclosures MEMBERSHIP AND ACCOUNT AGREEMENT................................... 3-9 1. MEMBERSHIP ELIGIBILITY.............................................................. 3 2. ACCOUNTS....................................................................................... 3 Individual Party, Accounts in the Name of a Trust, Organizational, Joint Owner, Beneficiary Designated Accounts, Accounts for Minors and Coverdell Education Savings Account (ESA), Uniform Transfers to Minors Act (UTMA), Teen Checking 3. AGENCY DESIGNATION ON AN ACCOUNT................................... 4 4. DEPOSIT OF FUNDS REQUIREMENTS.......................................... 4 5. ACCOUNT ACCESS.......................................................................... 4 6. ACCOUNT RATES AND FEES.......................................................... 5 7. TRANSACTION LIMITATIONS.......................................................... 5 8. OVERDRAFTS................................................................................... 5 9. POSTDATED AND STALEDATED CHECKS..................................... 6 10. STOP PAYMENT ORDERS.............................................................. 6 11. CHECK 21 AND SUBSTITUTE CHECKS......................................... 6 12. ALLIANT LIABILITY.......................................................................... 7 13. ALLIANT LIEN AND SECURITY INTEREST.................................... 7 14. LEGAL PROCESS............................................................................ 7 15. ACCOUNT INFORMATION............................................................... 7 16. NOTICES.......................................................................................... 7 17. TAXPAYER IDENTIFICATION NUMBERS AND BACKUP WITHHOLDING................................................................................. 7 18. STATEMENTS.................................................................................. 7 19. INACTIVE ACCOUNTS..................................................................... 8 20. DORMANT ACCOUNTS................................................................... 8 2 1. SPECIAL ACCOUNT INSTRUCTIONS............................................. 22. TERMINATION OF ACCOUNT......................................................... 23. TERMINATION OF MEMBERSHIP................................................... 24. DEATH OF ACCOUNT OWNER....................................................... 25. SEVERABILITY................................................................................. 26. ENFORCEMENT............................................................................... 27. GOVERNING LAW............................................................................ 28. COMMUNICATION........................................................................... FUNDS AVAILABILITY POLICY...................................................... 13-14 1. GENERAL POLICY.......................................................................... 13 2. RESERVATION OF RIGHT TO HOLD............................................ 14 3. LONGER DELAYS MAY APPLY...................................................... 14 4. SPECIAL RULES FOR NEW ACCOUNTS...................................... 14 5. SPECIAL RULES FOR ABUSED ACCOUNTS................................ 14 6. DEPOSITS AT ATMS....................................................................... 14 7. HOLDS ON OTHER FUNDS............................................................ 14 8. FOREIGN CHECKS......................................................................... 14 WIRE TRANSFER REQUEST AGREEMENT AND DISCLOSURE.............................................................................. 15 TRUTH-IN-SAVINGS DISCLOSURE............................................... 15-16 1. RATE INFORMATION...................................................................... 15 2. NATURE OF DIVIDEND RATES..................................................... 15 3. DIVIDEND COMPOUNDING AND CREDITING.............................. 15 4. ACCRUAL OF DIVIDENDS.............................................................. 15 5. BALANCE INFORMATION.............................................................. 15 6. SAVINGS ACCOUNT TRANSACTION LIMITATIONS.................... 15 7. FEE INFORMATION........................................................................ 15 8. TRUTH-IN-SAVINGS DISCLOSURE CHART................................. 16 PRIVACY POLICY................................................................................ 17 8 8 8 8 8 9 9 9 ELECTRONIC FUNDS TRANSFER (EFT) AGREEMENT AND DISCLOSURE........................................................................... 9-13 1. EFT SERVICES................................................................................. 9 2. TRANSFER LIMITATIONS.............................................................. 11 3. CONDITIONS OF EFT SERVICES.................................................. 4. FEES AND CHARGES..................................................................... 5. MEMBER LIABILITY........................................................................ 6. RIGHT TO RECEIVE DOCUMENTATION....................................... 7. ACCOUNT INFORMATION DISCLOSURE..................................... 8. BUSINESS DAYS............................................................................ 9. ALLIANT LIABILITY FOR FAILURE TO MAKE TRANSFERS......... 10. NOTICES........................................................................................ 11. ERROR RESOLUTION................................................................... 12. TERMINATION OF EFT SERVICES............................................... 11 12 12 12 12 13 13 13 13 13 This Account Agreement and Disclosures booklet supersedes all previous versions of Alliant Credit Union’s account agreement and disclosures booklet. This Disclosure may change from time to time. Please visit alliantcreditunion.com for the most current version. 2 MEMBERSHIP MEMBERSHIPAND ANDACCOUNT ACCOUNTAGREEMENT AGREEMENT shares shareswithout withoutthetheconsent consentofofthetheother otherowner(s). owner(s).We Wehave havenonoduty duty totonotify notifyany anyowner(s) owner(s)about aboutany anytransaction. transaction.We Wereserve reservethetheright righttoto require requirewritten writtenconsent consentofofallallowners ownersforforany anychange changetotoorortermination termination ofofananaccount. account.If we If wereceive receivewritten writtennotice noticeofofa dispute a disputebetween between owners ownersororinconsistent inconsistentinstructions instructionsfrom fromthem, them,wewemay maysuspend suspendoror terminate terminatethetheaccount accountand andrequire requirea court a courtorder orderororwritten writtenconsent consent from fromallallowners ownerstotoact. act. The Thefollowing followingaccount accountactivities activitiesare areexpressly expresslyprohibited prohibitedforforjoint jointowners ownersofof share shareaccounts. accounts.Joint Jointowners ownersmay maynot: not: • Initiate, • Initiate,modify, modify,orordelete deletepayroll payrolldeductions deductionsforforthetheprimary primaryowner. owner. • Close • Closeprimary primarysavings savings(S01), (S01),supplemental supplementalsavings, savings,checking checkingand and share sharecertificates certificatesunless unlessthethemember memberis isa minor. a minor. • Initiate, • Initiate,modify, modify,orordelete deletepasswords passwordsororaccess accesscodes. codes. ® ® • Access • Accesssavings savingsororoverdraft overdraftprotection protectionthrough throughthetheVisa Visa debit debit card cardororConvenience Conveniencecard cardwithout withoutthetheprimary primaryaccount accountowner’s owner’s approval approvaland andauthorization. authorization. • Open • OpenananIRA, IRA,share sharecertificate, certificate,supplemental supplementalsavings savingsororchecking checking account. account.(Joint (Jointowners ownersmay mayopen opensuch suchaccounts accountsofoftheir theirown own where wherethey theyare arethetheprimary primaryaccount accountmember memberowner.) owner.) Only Onlyprimary primaryowners ownersare areallowed allowedtotoconduct conductthetheabove aboveaccount accountactivities. activities. Jointowner owneraccounts accountsand andowner ownerliability. liability.If aIf deposited a depositeditem itemin ina a c)c)Joint jointlyowned ownedaccount accountis isreturned returnedunpaid, unpaid,ananaccount accountis isoverdrawn, overdrawn, jointly if wedodonotnotreceive receivefinal finalpayment paymentonona transaction, a transaction,thetheowners, owners, ororif we jointlyand andseparately, separately,are areliable liabletotoususforforthetheamount amountofofthethereturned returned jointly item,overdraft, overdraft,ororunpaid unpaidamount amountand andany anycharges, charges,regardless regardlessofof item, whoinitiated initiatedororbenefited benefitedfrom fromthethetransaction. transaction.If any If anyaccount accountowner owner who indebtedtotous,us,wewemay mayenforce enforceour ourrights rightsagainst againstany anyaccount accountofof is isindebted ownerororallallfunds fundsin inthethejointly jointlyowned ownedaccount accountregardless regardlessofofwho who ananowner contributedthem. them. contributed 2e. 2e.BENEFICIARY BENEFICIARYDESIGNATED DESIGNATEDACCOUNTS ACCOUNTS Any Anyaccount accountestablished establishedwith withbeneficiaries beneficiariesatatAlliant Alliantis isconsidered considereda a revocable revocabletrust trustaccount accountand andis isananinstruction instructiontotoAlliant Alliantthat thatsuch suchsingle singleoror jointly jointlyowned ownedaccount accountfunds fundssosodesignated designatedare arepayable payabletotothetheowner(s) owner(s) during duringhis, his,her, her,orortheir theirlifetimes lifetimesand, and,when whenthethelast lastaccount accountowner ownerdies, dies, payable payabletotoany anynamed namedand andsurviving survivingbeneficiary(ies). beneficiary(ies).Beneficiaries Beneficiarieshave have nonoownership ownershiprights rightsororinterest interestin inthetheaccount. account.Beneficiaries Beneficiarieswillwillbebepaid paid thethefunds fundsin inthetheaccount accountasasofofthethedate dateofofdeath deathofofthethelast lastaccount accountowner, owner, and andany anydividends dividendsaccrued accruedafter afterthethedate dateofofdeath deathofofthethelast lastowner owner may maybebereversed reversedprior priortotothethepayout payoutofofthethefunds fundstotothethebeneficiary(ies). beneficiary(ies). Beneficiaries Beneficiariesensure ensureshare shareinsurance insurancecoverage coverageasasa revocable a revocabletrust trust account. account.If percentages If percentagesare arenotnotindicated indicatedforforeach eachbeneficiary, beneficiary,accounts accounts payable payabletotomore morethan thanone onesurviving survivingbeneficiary beneficiaryare areowned ownedequally equallybybysuch such beneficiaries beneficiarieswithout withoutrights rightsofofsurvivorship. survivorship.The Theshare shareofofany anybeneficiary beneficiary who whopredeceases predeceasesthetheaccount accountowner ownerwillwillbebesplit splitequally equallyamong amongthethe remaining remainingliving livingbeneficiary(ies). beneficiary(ies).Any Anybeneficiary beneficiarydesignation designationshall shallnotnot apply applytotoIndividual IndividualRetirement RetirementAccounts Accounts(IRA) (IRA)ororHealth HealthSavings SavingsAccounts Accounts (HSA), (HSA),which whichare aregoverned governedbybya separate a separatebeneficiary beneficiarydesignation. designation.We Weare are notnotobligated obligatedtotonotify notifyany anybeneficiary beneficiaryofofthetheexistence existenceofofany anyaccount accountoror thethevesting vestingofofthethebeneficiary’s beneficiary’sinterest interestin inany anyaccount, account,except exceptasasotherwise otherwise provided providedbybylaw. law. This ThisAgreement Agreementcovers coversyour yourand andour ourrights rightsand andresponsibilities responsibilitiesconcerning concerning accounts accountsAlliant AlliantCredit CreditUnion Union(Alliant) (Alliant)offers. offers.InInthis thisAgreement, Agreement,thethewords words “you” “you”and and“yours” “yours”mean meananyone anyonewho whosigns signsa Membership a MembershipEnrollment Enrollment Agreement. Agreement.The Thewords words“we,” “we,”“us,” “us,”and and“our” “our”mean meanAlliant AlliantCredit CreditUnion. Union.The The word word“account” “account”means meansany anyone oneorormore moreshare shareororother otheraccounts accountsyou youhave have with withAlliant. Alliant.Your Youraccount accounttype(s) type(s)and andownership ownershipfeatures featuresare aredesignated designated ononyour yourMembership MembershipEnrollment EnrollmentAgreement. Agreement.ByBysigning signinga Membership a Membership Enrollment EnrollmentAgreement, Agreement,each eachofofyou, you,jointly jointlyand andseparately, separately,agree agreetotothethe terms termsand andconditions conditionsin inthis thisAccount AccountAgreement Agreementand andDisclosures DisclosuresBooklet, Booklet, thetheMembership MembershipEnrollment EnrollmentAgreement, Agreement,thetheFunds FundsAvailability AvailabilityPolicy Policy Disclosure, Disclosure,thetheTruth-In-Savings Truth-In-SavingsDisclosure, Disclosure,Fee FeeSchedule, Schedule,and andany any amendments amendmentstotothese thesedocuments documentsfrom fromtime timetototime timethat thatcollectively collectivelygovern govern your yourMembership Membershipand andAccounts. Accounts. 1.1.MEMBERSHIP MEMBERSHIPELIGIBILITY ELIGIBILITY ToTojoin joinAlliant Alliantyou youmust mustmeet meetthethemembership membershiprequirements, requirements,including includingthethe purchase purchaseand andmaintenance maintenanceofofatatleast leastone oneshare share(“membership (“membershipshare”) share”) and andmaintain maintaina $5 a $5minimum minimumbalance. balance.You Youauthorize authorizeusustotocheck checkyour your account, account,credit, credit,and andemployment employmenthistory, history,and andobtain obtaininformation informationfrom from third thirdparties, parties,including includingconsumer consumerreporting reportingagencies agenciesand andcredit creditreporting reporting agencies, agencies,totoobtain obtaincopies copiesofofyour yourcredit creditreport reporttotoverify verifyyour youreligibility eligibilityforfor thetheaccounts accountsand andservices servicesyou yourequest. request. 2.2.ACCOUNTS ACCOUNTS 2a. 2a.INDIVIDUAL INDIVIDUALPARTY PARTYACCOUNTS ACCOUNTS AnAnindividual individualparty partyaccount accountis isananaccount accountowned ownedbybyone onemember member (individual) (individual)qualified qualifiedforforAlliant Alliantmembership. membership.If the If theaccount accountowner ownerdies, dies, thetheinterest interestin inaccount accountownership ownershippasses passessubject subjecttotoapplicable applicablelaw laworor agreement agreementand andsubject subjecttotoother otherprovisions provisionsofofthis thisAgreement Agreementgoverning governing our ourprotection protectionforforhonoring honoringtransfer transferand andwithdrawal withdrawalrequests requestsofofananowner owneroror owner’s owner’sagent agentand andpledges pledgesofofthetheaccount accounttotosecure securea debt. a debt. 2b. 2b.ACCOUNTS ACCOUNTSININTHE THENAME NAMEOF OFAATRUST TRUST AnAnaccount accountin inthethename nameofofa Trust a Trustis isananaccount accountestablished establishedin inthethename name ofofa Trust a Trustcreated createdbybythethegrantor(s) grantor(s)outside outsideofofAlliant Alliantand andgoverned governedbybya a separate separateagreement. agreement.The Thetrustee(s) trustee(s)ofofthetheTrust Trusthas has(have) (have)access accesstotothethe funds fundsin inthetheaccount. account.ToToestablish establishananaccount accountin inthethename nameofofa Trust, a Trust,thethe grantor(s) grantor(s)orortrustee(s) trustee(s)must mustmeet meeteligibility eligibilityrequirements requirementssetsetforth forthin inthethe Agreement Agreementand andkeep keepa minimum a minimumofof$5.00 $5.00onondeposit depositin inthetheTrust Trustsavings savings account. account. 2c. 2c.ORGANIZATIONAL ORGANIZATIONALACCOUNTS ACCOUNTS A Anot-for-profit not-for-profitorganization organizationthat thatmeets meetsthetheeligibility eligibilityqualifications qualificationsmay may establish establishananaccount accountwith withAlliant. Alliant.Membership Membershipis isrestricted restrictedtotothose those societies, societies,associations, associations,ororclubs clubsofofwhich whichthethemajority majorityofofthethemembers membersare are eligible eligibleforforAlliant AlliantCredit CreditUnion Unionmembership. membership.Alliant Alliantreserves reservesthetheright righttoto deny denyorganizational organizationalmembership, membership,and andit will it willbebelimited limitedtotoa regular a regularsavings savings and andchecking checkingaccount accountwith witha minimum a minimumbalance balanceofof$50,000. $50,000. 2d. 2d.JOINT JOINTOWNER OWNERACCOUNTS ACCOUNTS AnAnaccount accountowned ownedbybytwo twoorormore moreparties partiesis isa jointly a jointlyowned ownedaccount. account. a)a)Rights Rightsofofsurvivorship. survivorship.Unless Unlessotherwise otherwisestated statedononthetheMembership Membership Enrollment EnrollmentAgreement, Agreement,a joint a jointaccount accountincludes includesrights rightsofofsurvivorship. survivorship. This Thismeans meanswhen whenone oneowner ownerdies, dies,allallsums sumsin inthetheaccount accountwillwillpass pass totothethesurviving survivingowner(s). owner(s).A Asurviving survivingowner’s owner’sinterest interestis issubject subjecttoto thetheAlliant Alliantstatutory statutorylien lienforforthethedeceased deceasedowner’s owner’sobligations, obligations,and andtoto any anysecurity securityinterest interestororpledge pledgegranted grantedbybya deceased a deceasedowner, owner,even evenif if a surviving a survivingowner ownerdiddidnotnotconsent consenttotoit. it. b)b)Control Controlofofjointly jointlyowned ownedaccounts. accounts.Any Anyowner owneris isauthorized authorizedtotoand and deemed deemedtotoactactforforany anyother otherowner(s) owner(s)and andmay mayinstruct instructususregarding regarding transactions transactionsand andother otheraccount accountmatters. matters.Each Eachowner ownerguarantees guaranteesthethe signature signatureofofany anyother otherowner(s). owner(s).Any Anyowner ownermay maywithdraw withdrawallallbutbut $5.00 $5.00ofofthethefunds fundsin inthetheprimary primarysavings savingsaccount account(S01), (S01),request requeststop stop payment(s) payment(s)ononitems, items,transfer, transfer,ororpledge pledgetotoususallallororany anypart partofofthethe 2f.2f.ACCOUNTS ACCOUNTSFOR FORMINORS MINORSAND ANDCOVERDELL COVERDELL EDUCATION EDUCATIONSAVINGS SAVINGSACCOUNT ACCOUNT(ESA) (ESA) We Werequire requireany anyaccount accountestablished establishedbybya minor a minortotobebea jointly a jointlyowned owned account accountwith withananowner ownerwho whois iseither eitherthetheminor’s minor’sparent, parent,grandparent, grandparent,oror legal legalguardian, guardian,has hasreached reachedthetheage ageofofmajority majorityunder understate statelaw lawand andwho who shall shallbebejointly jointlyand andseparately separatelyliable liabletotoususforforany anyreturned returneditem, item,overdraft, overdraft, ororunpaid unpaidcharges chargesororamounts amountsononsuch suchaccount. account.We Wemay maypay payfunds fundsdirectly directly totothetheminor minorwithout withoutregard regardtotohishisororher herminority. minority.Unless Unlessthetheminor’s minor’s parent, parent,grandparent, grandparent,ororlegal legalguardian guardianis isananaccount accountowner, owner,this thisindividual individual shall shallnotnothave haveany anyaccount accountaccess accessrights. rights.We Wehave havenonoduty dutytotoinquire inquire 2 3 3 about aboutthetheuse useororpurpose purposeofofany anytransaction. transaction.The TheCoverdell CoverdellESA ESAmay mayonly only bebeopened openedononananaccount accountalready alreadyestablished establishedin inthethename nameofofthetheminor minor and andonly onlyone oneparent parentmay maybebenamed namedasasthetheResponsible ResponsibleIndividual Individualononthethe account, account,which whichmay maychange changetotothethechild childatatthetheage ageofofmajority majorityif this if thiswas was chosen chosenwhen whenthetheaccount accountwas wasestablished. established.There Thereis isnonojoint jointowner owneronona a Coverdell CoverdellESA. ESA. must mustbebemade madeononthetheback backofofthethecheck checkwithin within1-1/2 1-1/2inches inchesfrom fromthethe toptopedge, edge,although althoughwewemay mayaccept acceptendorsements endorsementsoutside outsidethis thisspace. space. However, However,any anyloss lossweweincur incurfrom froma delay a delayororprocessing processingerror errorresulting resulting from fromananirregular irregularendorsement endorsementororother othermarkings markingsbybyyou youororany anyprior prior endorser endorserwillwillbebeyour yourresponsibility. responsibility. b.b.Collection CollectionofofItems. Items.We Weactactonly onlyasasyour youragent agentand andwewearearenotnot responsible responsibleforforhandling handlingitems itemsforfordeposit depositororcollection collectionbeyond beyondthethe exercise exerciseofofordinary ordinarycare. care.Deposits Depositsmade madebybymail mailororatatunstaffed unstaffed facilities facilitiesarearenotnotourourresponsibility responsibilityuntil untilwewereceive receivethem. them.We Wearearenotnot liable liableforforthethenegligence negligenceofofany anycorrespondent correspondentororforforloss lossin intransit, transit, and andeach eachcorrespondent correspondentwillwillonly onlybebeliable liableforforitsitsown ownnegligence. negligence.We We may maysend sendany anyitem itemforforcollection. collection.Items Itemsdrawn drawnononananinstitution institutionlocated located outside outsidethetheUnited UnitedStates Statesarearehandled handledonona collection a collectionbasis basisonly. only.You You waive waiveany anynotice noticeofofnonpayment, nonpayment,dishonor, dishonor,ororprotest protestregarding regardingitems items wewepurchase purchaseororreceive receiveforforcredit creditororcollection collectiontotoyour youraccount. account. c. c.Final FinalPayment. Payment.AllAllitems itemsororAutomated AutomatedClearing ClearingHouse House(ACH) (ACH) transfers transferscredited creditedtotoyour youraccount accountare areprovisional provisionaluntil untilwewereceive receive final finalpayment. payment.If final If finalpayment paymentis isnotnotreceived, received,wewemay maycharge chargeyour your account accountforforthetheamount amountofofsuch suchitems itemsororACH ACHtransfers transfersand andimpose imposea a return returnitem itemcharge chargeononyour youraccount accountasassetsetforth forthin inthetheFee FeeSchedule. Schedule. Any Anycollection collectionfees feesweweincur incurmay maybebecharged chargedtotoyour youraccount. account.We We reserve reservethetheright righttotorefuse refuseororreturn returnany anyitem itemororfunds fundstransfer. transfer. DirectDeposits. Deposits.We Wemay mayoffer offerpreauthorized preauthorizeddeposits deposits(e.g., (e.g.,payroll payroll d.d.Direct checks,Social SocialSecurity Securityororretirement retirementchecks, checks,ororother othergovernment government checks, checks)ororpreauthorized preauthorizedtransfers transfersfrom fromother otheraccounts. accounts.You Youmust must checks) authorizeeach eachdirect directdeposit depositororpreauthorized preauthorizedtransfer transferbybyfilling fillingoutout authorize a separateform. form.You Youmust mustnotify notifyususatatleast least3030days daysin inadvance advance a separate cancelororchange changea direct a directdeposit depositorortransfer transferoption. option.Upon Upona a totocancel bankruptcyfiling, filing,unless unlessyou youcancel cancelananauthorization authorizationwewewillwillcontinue continue bankruptcy makingdirect directdeposits depositsin inaccordance accordancewith withyour yourauthorization authorizationononfilefile making with withus.us.If we If weare arerequired requiredtotoreimburse reimbursethetheU.S. U.S.Government Governmentforforany any benefitpayment paymentdirectly directlydeposited depositedinto intoyour youraccount, account,wewemay maydeduct deduct benefit amountreturned returnedfrom fromany anyofofyour youraccounts, accounts,unless unlessprohibited prohibited thetheamount law. bybylaw. e.e.Crediting CreditingofofDeposits. Deposits.Deposits Depositsmade madeafter afterthethedeposit depositcutoff cutofftime timeand and deposits depositsmade madeononeither eitherholidays holidaysorordays daysthat thatarearenotnotourourbusiness business days dayswillwillbebecredited creditedtotoyour youraccount accountononthethenext nextbusiness businessday. day. 5.5.ACCOUNT ACCOUNTACCESS ACCESS a.a.Authorized AuthorizedSignature. Signature.Your Yourwritten writtenororelectronic electronicsignature signatureononthethe Membership MembershipEnrollment EnrollmentAgreement Agreementauthorizes authorizesyour youraccount accountaccess. access. We Wewillwillnotnotbebeliable liableforforrefusing refusingtotohonor honorany anyitem itemororinstruction instructionif we if we believe believethethesignature signatureis isnotnotgenuine. genuine.If you If youhave haveauthorized authorizedthetheuse use ofofa facsimile a facsimilesignature, signature,wewemay mayhonor honorany anycheck checkthat thatappears appearstoto bear bearyour yourfacsimile facsimilesignature signatureeven evenif itif was it wasmade madebybyananunauthorized unauthorized person. person.You Youauthorize authorizeusustotohonor honortransactions transactionsinitiated initiatedbybya third a third person persontotowhom whomyou youhave havegiven givenyour youraccount accountnumber numbereven evenif you if youdodo notnotauthorize authorizea particular a particulartransaction. transaction. b.b.Access AccessOptions. Options.You Youmay maywithdraw withdraworortransfer transferfunds fundsfrom fromyour your account(s)in inany anymanner mannerwewepermit permit(e.g., (e.g.,atatananautomated automatedteller teller account(s) machine(ATM), (ATM),through throughonline onlineorormobile mobilebanking, banking,in inperson, person,byby machine mail, mail,automatic automatictransfer, transfer,orortelephone, telephone,asasapplicable). applicable).We Wemay mayreturn return asasunpaid unpaidany anycheck checkdrawn drawnonona form a formwewedodonotnotprovide, provide,and andyou you are areresponsible responsibleforforany anyloss lossweweincur incurin inhandling handlingsuch sucha check. a check.We We havethetheright righttotoreview reviewand andapprove approveany anyform formofofpower powerofofattorney attorney have andmay mayrestrict restrictaccount accountwithdrawals withdrawalsorortransfers. transfers.We Weare areunder undernono and obligation obligationtotohonor honorany anypower powerofofattorney. attorney. ACH& &Wire WireTransfers. Transfers.If we If weprovide providethetheservice, service,you youmay mayinitiate initiate c. c.ACH ororreceive receivecredits creditsorordebits debitstotoyour youraccount accountthrough throughwire wireororACH ACH transfer. transfer.You Youagree agreethat thatif you if youreceive receivefunds fundsbybya wire a wireororACH ACH transfer, transfer,weweare arenotnotrequired requiredtotonotify notifyyou youatatthethetime timethethefunds funds arereceived. received.Instead, Instead,thethetransfer transferwillwillbebeshown shownononyour yourperiodic periodic are statement.When Whenyou youinitiate initiatea wire a wiretransfer, transfer,you youmay mayidentify identifyeither either statement. 2g. 2g.UNIFORM UNIFORMTRANSFERS TRANSFERSTO TOMINORS MINORSACT ACT(UTMA) (UTMA) ACCOUNT ACCOUNT AnAnaccount accountcreated createdunder underthetheUniform UniformTransfers TransferstotoMinors MinorsAct Act(UTMA) (UTMA)is is ananindividual individualaccount accountcreated createdbybya custodian a custodianand/or and/ordonor donorwho whodeposits deposits funds fundsasasananirrevocable irrevocablegiftgifttotoa minor. a minor.The Theaccount accountis isestablished establishedunder under thetheIllinois IllinoisUniform UniformTransfers TransferstotoMinors MinorsAct. Act.The Theminor minoris isthetheowner ownerofofthethe property propertyin inthetheaccount. account.The Thecustodian custodianacts actsforforthetheminor, minor,has haspossession possession and andcontrol controlofofthetheaccount accountforforthetheexclusive exclusiveright rightand andbenefit benefitofofthetheminor, minor, and andis isthetheonly onlyparty partyentitled entitledtototransact transactbusiness businessononthetheaccount accountuntil untilthethe minor minorattains attainsage age21,21,unless unlessotherwise otherwisedictated dictatedbybylaw. law.InInthetheevent eventofofthethe death deathofofthetheminor, minor,thethecustodial custodialrelationship relationshipis isterminated terminatedand andthethefunds funds are aredistributed distributedaccording accordingtotothetheminor’s minor’sestate. estate.Alliant Allianthas hasnonoduty dutytotoinquire inquire about aboutthetheuse useororpurpose purposeofofany anytransaction. transaction.If the If thecustodian custodiandies, dies,resigns, resigns, ororis isineligible ineligibletotoserve serveand anda successor a successorcustodian custodianis isnotnotnamed, named,wewewillwill suspend suspendthetheaccount accountuntil untila successor a successorcustodian custodianis isnamed namedororwewereceive receivea a court courtorder orderregarding regardingthetheaccount. account. 2h. 2h.TEEN TEENCHECKING CHECKING Alliant’s Alliant’sstandard standardchecking checkingaccounts accountsare areavailable availabletotomembers membersage age1818oror over. over.Members Membersbetween betweenthetheages agesofof1313and and1717may mayopen opena teen a teenchecking checking account accountthat thatincludes includesthetheminor’s minor’sparent parentororlegal legalguardian guardianasasa joint a jointaccount account owner. owner.The Thejoint jointowner ownerononteen teenchecking checkingaccounts accountswillwillserve serveasasthetheprimary primary account accountcontact, contact,and andshall shallreceive receiveallallstatements statementsand andnotices. notices.Alliant Alliant Teen TeenChecking Checkingaccounts accountsare arefull-service full-servicechecking checkingaccounts; accounts;however, however,thethe following followinglimitations limitationsorordifferences differencesfrom fromstandard standardchecking checkingaccounts accountsapply: apply: • Only • Onlythethejoint jointowner ownermay mayinitiate initiateand andterminate terminateOverdraft OverdraftProtection; Protection; Courtesy CourtesyPay Payis isnotnotavailable. available. • Only • Onlythethejoint jointowner ownermay mayreorder reorderchecks; checks;checks checksmust mustinclude includeboth boththethe primary primaryteen teenowner ownerand andthethejoint jointowner’s owner’snames. names. • No • Nobeneficiaries beneficiariesmay maybebedesignated. designated. • Either • Eitherthetheprimary primaryororjoint jointowner ownercan candispute disputea statement a statementorortransaction transaction error, error,butbutthethejoint jointowner ownermust mustsign signany anynecessary necessarydocumentation documentation(see (see thetheElectronic ElectronicFunds FundsTransfer TransferAgreement Agreementand andDisclosure Disclosureononpage page149 forformore moreinformation informationononerror errorresolution). resolution). 3.3.AGENCY AGENCYDESIGNATION DESIGNATIONON ONAN ANACCOUNT ACCOUNT AnAnagency agencydesignation designationononananaccount accountis isananinstruction instructiontotoususthat thatthetheowner owner authorizes authorizesanother anotherperson persontotomake maketransactions transactionsasasagent agentforforthetheaccount account owner ownerregarding regardingthetheaccounts accountsdesignated. designated.AnAnagent agenthas hasnonoownership ownership interest interestin inthetheaccount(s) account(s)ororAlliant Alliantvoting votingrights. rights.We Wehave havenonoduty dutytotoinquire inquire about aboutthetheuse useororpurpose purposeofofany anytransaction transactionmade madebybythetheagent. agent. 4.4.DEPOSIT DEPOSITOF OFFUNDS FUNDSREQUIREMENTS REQUIREMENTS Funds Fundsmay maybebedeposited depositedtotoany anyaccount, account,in inany anymanner mannerapproved approvedbybyAlliant Alliant in inaccordance accordancewith withthetherequirements requirementssetsetforth forthononthetheCurrent CurrentRate RateSheet Sheet and andFee FeeSchedule. Schedule. a.a.Endorsements. Endorsements.We Wemay mayaccept accepttransfers, transfers,checks, checks,and andother otheritems items forfordeposit depositinto intoany anyofofyour youraccounts accountsif they if theyare aremade madepayable payableto,to, orortotothetheorder orderof,of,one oneorormore moreaccount accountowners ownerseven evenif they if theyare arenotnot endorsed endorsedbybyallallpayees. payees.You Youauthorize authorizeusustotoaccept acceptchecks checksmissing missing endorsements endorsementsofofany anyowners ownersif we if wechoose. choose.If aIf check a checkororitem itemthat that is ispayable payabletototwo twoorormore morepersons personsis isambiguous ambiguousasastotowhether whetherit it is ispayable payabletotoeither eitherororboth, both,wewemay mayprocess processthethecheck checkororitem itemasas though thoughit is it ispayable payabletotoeither eitherperson. person.Checks Checkspayable payabletotoa deceased a deceased member memberwillwillnotnotbebeaccepted. accepted.If an If aninsurance, insurance,government, government,ororother other check checkrequires requiresananendorsement endorsementasassetsetforth forthononthetheback backofofthethecheck, check, wewemay mayrequire requireendorsement endorsementasassetsetforth forthononthetheitem. item.Endorsements Endorsements 4 5 4 thetherecipient recipientororany anyfinancial financialinstitution institutionbybyname nameand andbybyaccount accountoror identifying identifyingnumber. number.Alliant Alliant(and (andother otherinstitutions) institutions)may mayrely relyononthethe account accountororother otheridentifying identifyingnumber numberasasthetheproper properidentification identificationeven even if itif identifies it identifiesa different a differentparty partyororinstitution. institution.(See (SeethetheWire WireTransfer Transfer Request RequestAgreement Agreementand andDisclosure Disclosuresection sectionononpage page2615forformore more information.) information.) d.d.Credit CreditUnion UnionExamination. Examination.We Wemay maydisregard disregardinformation informationononany any check, check,other otherthan thanthethesignature signatureofofthethedrawer, drawer,thetheamount amountand andany any magnetic magneticencoding. encoding.You Youagree agreewewedodonotnotfailfailtotoexercise exerciseordinary ordinary care carein inpaying payingananitem itemsolely solelybecause becauseour ourprocedures proceduresdodonotnotprovide provide forforsight sightexamination examinationofofitems. items. e.e.Limitation Limitationofof Access. Access.We Wemay maylimit limitservices servicesand/or and/oraccess accesstotoyour your accounts, accounts,including includingthrough throughAlliant AlliantOnline OnlineBanking Bankingand andMobile Mobile Banking, Banking,if your if youraccount accountis isnotnotin ingood goodstanding, standing,you youare aredelinquent delinquent onona loan, a loan,ororyour youraccount accounthas hasa negative a negativebalance. balance.We Wemay mayalso alsolimit limit services servicesand/or and/oraccess accesstotoyour youraccounts accountsforforabusive abusiveororharassing harassing behavior behaviortoward towardAlliant Alliantstaff. staff. 6.6.ACCOUNT ACCOUNTRATES RATESAND ANDFEES FEES We Wepay payaccount accountearnings earningsand andassess assessfees feesagainst againstyour youraccount accountasassetset forth forthin inthetheFee FeeSchedule. Schedule.We Wemay maychange changethetheFee FeeSchedule Scheduleatatany anytime time and andwillwillnotify notifyyou youasasrequired requiredbybylaw. law. dodonotnotagree agreetotocover coveroverdrafts overdraftsin inthethefuture futureand andmay maydiscontinue discontinue covering coveringoverdrafts overdraftsatatany anytime timewithout withoutnotice. notice.If we If wepay payananitem item ororimpose imposea fee a feethat thatwould wouldotherwise otherwiseoverdraw overdrawyour youraccount, account,you you agree agreetotopay paythetheoverdrawn overdrawnamount amountimmediately. immediately.We Wereserve reservethethe right righttotopursue pursuecollection collectionofofpreviously previouslydishonored dishonoreditems itemsatatany any time, time,including includinggiving givinga payer a payerbank bankextra extratime timebeyond beyondany anymidnight midnight deadline deadlinelimits. limits. b.b.Overdraft OverdraftProtection ProtectionPlan. Plan.Alliant Alliantoffers offerstwo twotypes typesofofOverdraft Overdraft Protection. Protection.1)1)Free FreeBillBillPay Payoverdraft overdraftprotection protectionis isavailable availableforforBillBill Pay Payitems itemsonly. only.It is It isnotnotapplicable applicabletotopaper paperchecks checksyou youwrite writefrom from your yourAlliant Alliantcheckbook, checkbook,preauthorized preauthorizedelectronic electronic(ACH) (ACH)withdrawals withdrawals orordebit debitcard cardtransactions transactionsfrom fromyour yourAlliant AlliantChecking Checkingand andSavings Savings accounts accounts– in – inthese thesecases, cases,if an if anoverdraft overdraftoccurs, occurs,account accountfees fees would wouldbebeassessed. assessed.2)2)If you If youhave haveapplied appliedforforand andwewehave haveapproved approved thetheOverdraft OverdraftProtection Protectionplan planforforyour youraccount, account,wewewillwillhonor honorchecks, checks, ACH ACHdebits, debits,and andPoint-of-Sale Point-of-Sale(POS), (POS),and andsignature-based signature-baseddebit debit card cardtransactions transactionsdrawn drawnononinsufficient insufficientfunds fundsbybytransferring transferringfunds funds from fromanother anotheraccount accountunder underthis thisAgreement Agreementorora loan a loanaccount, account,asas you youhave havedirected, directed,ororasasrequired requiredunder underAlliant’s Alliant’sOverdraft OverdraftProtection Protection policy policysubject subjecttotothetheOverdraft OverdraftTransfer TransferFee Feeasassetsetforth forthin inthetheFee Fee Schedule Scheduleororper perthetheterms termsofofyour yourapplicable applicableloan loanaccount. account.If an If anitem item is ispresented presentedforforpayment paymentand andthere thereare arenotnotsufficient sufficientfunds fundsin inyour your account accounttotopay payit, it,thethefirst firstsource sourceofoffunds fundstotopay paythat thatitem itemwillwillbebethethe source sourceyou youhave havepreviously previouslydesignated designatedforforoverdraft overdraftevents events(e.g., (e.g., primary primarysavings, savings,ororeligible eligiblelines linesofofcredit). credit).Each Eachsource sourcewillwillbebeused used thereafter thereafterin inthetheorder orderyou youhave havedesignated. designated.Applicable Applicablefees feeswillwillbebe assessed assessedtotoeach eachsource, source,and andif all if allsources sourcesare areexhausted exhaustedand andthere there still stillare arenotnotsufficient sufficientfunds fundsororif transaction if transactionlimits limitshave havebeen beenreached reached (see (seesection section7 on 7 onpage page5),6),ororthetheamount amountpresented presentedasasananoverdraft overdraft exceeds exceedsthetheamount amountwithin withinthetheprimary primarysource(s), source(s),if applicable if applicabletotothethe account, account,Courtesy CourtesyPay Paywillwillalways alwaysbebethethelast lastsource sourceutilized utilizedin inyour your overdraft overdraftpriorities. priorities.If the If theamount amountofofthetheitem itempresented presentedforforpayment payment exceeds exceedsthethetotal totalofofallallavailable availableoverdraft overdraftsources, sources,thetheitem itemwillwill bebereturned returnedasasnon-sufficient non-sufficientfunds funds(NSF) (NSF)and andyou youwillwillbebecharged charged applicable applicablefees. fees.This ThisAgreement Agreementgoverns governsallalloverdraft overdrafttransfers, transfers, except exceptthose thosegoverned governedbybyagreements agreementsforforloan loanaccounts. accounts. c. c.Courtesy CourtesyPay. Pay.From Fromtime timetototime, time,Alliant Alliantmembers membersexperience experiencenonnonsufficient sufficientfunds fundssituations situationsonontheir theiraccounts. accounts.AsAsa courtesy, a courtesy,Alliant Alliant offers offersananadditional additionaloverdraft overdraftservice serviceknown knownasasCourtesy CourtesyPay. Pay. Courtesy CourtesyPay Payis isnotnota loan, a loan,which whichmeans meansthat thatAlliant Alliantdoes doesnotnotengage engage in incredit creditunderwriting underwritingasasa basis a basisofofdetermining determiningyour youreligibility eligibilityforfor this thisservice. service.Courtesy CourtesyPay Payis isa non-contractual a non-contractualservice serviceoffered offeredand and provided providedtotoAlliant Alliantmembers memberswho whoare arein ingood goodstanding standingand andhave haveanan Alliant AlliantChecking Checkingaccount accountthat thathas hasbeen beenopen openforforatatleast leastsixsixmonths. months. Other Othereligibility eligibilityfactors factorsare arerisk-based risk-basedand anddetermined determinedbybyAlliant Alliant using usinginternal internaland andconfidential confidentialinformation, information,including includingyour youraccount account history. history.ToToqualify qualifytotouse useCourtesy CourtesyPay, Pay,eligible eligiblemembers membersmust musthave have qualifying qualifyingdeposits depositstotaling totalingatatleast least$600 $600into intotheir theirAlliant AlliantChecking Checking account accountin inthetheprevious previous3030days. days.Qualifying Qualifyingdeposits depositsinclude includea direct a direct deposit, deposit,payroll payrolldeposit, deposit,check checkdeposit, deposit,ATM ATMdeposit, deposit,wire wiretransfer, transfer, eDepositPlus, eDepositPlus,mobile mobilecheck checkdeposit depositorortransfer transferfrom fromanother anotherfinancial financial institution. institution.Courtesy CourtesyPay Payrequirements requirementsand andlimits limitsare aresubject subjecttoto change changeatatany anytime timewithout withoutnotice. notice.Whether Whetheryour youroverdrafts overdraftswillwillbebe paid paidbybyCourtesy CourtesyPay Payis isdiscretionary, discretionary,and andwewereserve reservethetheright rightnotnottoto pay. pay.For Forexample, example,wewetypically typicallydodonotnotpay payoverdrafts overdraftsif your if youraccount account is isnotnotin ingood goodstanding, standing,ororyou youare arenotnotmaking makingregular regulardeposits, deposits,oror you youhave havetootoomany manyoverdrafts. overdrafts. If an If anitem itemis ispaid paidwith withCourtesy CourtesyPay, Pay,your youraccount accountwillwillbebeoverdrawn overdrawn and andnegative negativein inthetheamount amountofofthethepaid paiditem, item,plus plusa Courtesy a CourtesyPay Pay feefeeforforeach eachitem itemasassetsetforth forthin inthetheFee FeeSchedule. Schedule.More Morethan thanone one overdraft overdraftfeefeemay maybebecharged chargedagainst againstthetheaccount accountperperday daydepending depending ononthethenumber numberofofitems itemspresented presentedon,on,and andother otherwithdrawals withdrawalsmade made 7.7.TRANSACTION TRANSACTIONLIMITATIONS LIMITATIONS a.a.Withdrawal WithdrawalRestrictions. Restrictions.We Wepermit permitwithdrawals withdrawalsonly onlyif your if youraccount account has hassufficient sufficientavailable availablefunds fundstotocover coverthethefullfullamount amountofofthethe withdrawal withdrawalororyou youhave haveananestablished establishedoverdraft overdraftprotection protectionplan. plan. Checks Checksororother othertransfer transferororpayment paymentorders ordersthat thatare aredrawn drawnagainst against insufficient insufficientfunds fundsmay maybebesubject subjecttotoa service a servicecharge chargeasassetsetforth forth in inthetheFee FeeSchedule. Schedule.If there If thereare aresufficient sufficientfunds fundstotocover coversome, some, butbutnotnotall,all,ofofyour yourwithdrawal, withdrawal,wewemay mayallow allowthose thosewithdrawals withdrawalsforfor which whichthere thereare aresufficient sufficientfunds fundsin inany anyorder orderatatour ourdiscretion. discretion.We We may mayrefuse refusetotoallow allowa withdrawal a withdrawalin insome somesituations, situations,and andwillwilladvise advise you youaccordingly; accordingly;forforexample: example:(1)(1)a dispute a disputebetween betweenaccount accountowners owners (unless (unlessa court a courthas hasordered orderedAlliant Allianttotoallow allowthethewithdrawal); withdrawal);(2)(2)a a legal legalgarnishment garnishmentororattachment attachmentis isserved; served;(3)(3)thetheaccount accountsecures secures any anyobligation obligationtotous;us;(4)(4)required requireddocumentation documentationhas hasnotnotbeen been presented; presented;(5)(5)you youfailfailtotorepay repayananAlliant Alliantloan loanonontime. time. b.b.Transfer TransferLimitations. Limitations.For Forallalltypes typesofofsavings savingsaccounts, accounts,excluding excluding HSAs, HSAs,that thatare areeligible eligibleforforpreauthorized, preauthorized,automatic, automatic,telephonic, telephonic, electronic, electronic,ororaudio audioresponse responsetransfers, transfers,you youmay maymake makeupuptotosixsixsuch such transfers transferstotoananaccount accountatatanother anotherfinancial financialinstitution institutionorortotoa third a third party partyduring duringany anycalendar calendarmonth. month.A Apreauthorized preauthorizedtransfer transferincludes includes any anyarrangement arrangementwith withusustotopay paya third a thirdparty partyfrom fromyour youraccount account upon uponoral oralororwritten writtenorders, orders,including includingorders ordersreceived receivedthrough throughthethe automated automatedclearing clearinghouse house(ACH). (ACH).You Youmay maymake makeunlimited unlimitedtransfers transfers atatananATM, ATM,in inperson personatatananAlliant AlliantBranch, Branch,through throughthethemail mailorortoto any anyAlliant AlliantCredit CreditUnion Unionloan. loan.However, However,wewemay mayrefuse refuseororreverse reversea a transfer transferthat thatexceeds exceedsthese theselimitations limitationsand andmay mayassess assessfees feesagainst, against, suspend, suspend,ororclose closeyour youraccount. account. 8.8.OVERDRAFTS OVERDRAFTS a.a.Overdraft OverdraftLiability. Liability.If on If onany anyday daythethefunds fundsin inyour yoursavings savingsaccount account are arenotnotsufficient sufficienttotocover coverchecks, checks,fees feesororother otheritems itemsposted postedtoto your youraccount, account,those thoseamounts amountswillwillbebehandled handledin inaccordance accordancewith with our ouroverdraft overdraftprocedures proceduresororbybyone oneofofthetheoverdraft overdraftprotection protectionplans plans outlined outlinedbelow. below.Alliant’s Alliant’sdetermination determinationofofananinsufficient insufficientaccount account balance balancemay maybebemade madeatatany anytime timebetween betweenpresentation presentationand andour our midnight midnightdeadline deadlinewith withonly onlyone onereview reviewofofthetheaccount accountrequired. required.We We dodonotnothave havetotonotify notifyyou youif your if youraccount accountdoes doesnotnothave havefunds fundstoto cover coverchecks, checks,ACH ACHdebits, debits,debit debitcard cardtransactions, transactions,fees, fees,ororother other posted posteditems. items.Whether Whetherthetheitem itemis ispaid paidororreturned, returned,your youraccount accountmay may bebesubject subjecttotoa charge a chargeasassetsetforth forthin inthetheFee FeeSchedule. Schedule.Except Exceptasas otherwise otherwiseagreed agreedin inwriting, writing,we, we,bybycovering coveringone oneororany anyoverdraft, overdraft, 6 7 5 from, from,your youraccount. account.The Theamount amountofofyour youroverdraft(s) overdraft(s)and andfee(s) fee(s)both both count counttowards towardsyour yourCourtesy CourtesyPay Payavailable availablebalance. balance.If you If youreach reachyour your Courtesy CourtesyPay Paylimit, limit,items itemssubsequently subsequentlypresented presentedforforpayment paymentmay may bebereturned returnedasasNSF NSFand andyou youwillwillbebecharged chargedapplicable applicablefees. fees.When When Courtesy CourtesyPay Payis isused, used,thethefullfullamount amountofofthetheoverdraft overdraftbalance balanceplus plus related relatedfees feeswillwillbebedue dueimmediately, immediately,butbutin innonoevent eventmore morethan than1717 days daysafter afterthethedate dateofofthetheoccurrence, occurrence,atatwhich whichtime timeyour yourCourtesy Courtesy Pay Payprivileges privilegeswillwillbebesuspended suspendedand andpossibly possiblyterminated. terminated.If we If wedodo notnotreceive receivea full a fullpayment paymentfrom fromyou youwithin within4545days daysfrom fromthethedate dateofof thetheoccurrence, occurrence,your yourchecking checkingaccount accountwillwillbebeclosed. closed.If full If fullpayment payment is isnotnotreceived receivedwithin within6060days daysfrom fromthethedate dateofofthetheoccurrence, occurrence,your your checking checkingaccount accountwillwillbebecharged chargedoffoffasasa loss a losstotoAlliant Alliantand andforwarded forwarded totoa collection a collectionagency agencyforforcontinued continuedcollection collectionefforts effortsand andreported reportedtotoa a consumer consumerreporting reportingagency. agency.If you If youhave haveCourtesy CourtesyPay Payononyour yourAlliant Alliant Checking Checkingaccount, account,it will it willnotnotbebeimplemented implementedasasa source a sourcetotocover cover overdrafts overdraftsforforitems itemspaid paidthrough throughAlliant’s Alliant’sonline onlineBillBillPay. Pay. Not Notallalltransaction transactiontypes typesare arecovered coveredbybyCourtesy CourtesyPay. Pay.Checks Checksyou you write writeand andACH ACHelectronic electronictransactions transactionsfrom fromyour yourAlliant Alliantchecking checking account accountare arecovered. covered.If you If youchoose, choose,Courtesy CourtesyPay Payprotection protectionmay may bebeextended extendedtotocover coverPoint-of-Sale Point-of-Sale(POS) (POS)and andsignature-based signature-baseddebit debit card cardtransactions. transactions.Alliant Alliantdoes doesnotnotpermit permitthetheuse useofofCourtesy CourtesyPay Pay forforthethetransfer transferofoffunds fundsorordeposits depositstotoany anyaccount accountatatAlliant. Alliant.It also It also may maynotnotbebeused usedtotopay payananAlliant Alliantloan, loan,ororforforATM ATMtransactions. transactions.Your Your transactions transactionsmay maynotnotbebehandled handledbybyAlliant Alliantin inthetheorder orderin inwhich whichyou you completed completedthem. them.Accordingly, Accordingly,thetheorder orderin inwhich whichAlliant Alliantprocesses processes them themmay mayaffect affectthethetotal totalamount amountofofoverdraft overdraftfees feesassessed assessedtotoyour your account. account.You Youmay maydiscontinue discontinueCourtesy CourtesyPay Payatatany anytime timeby:by: • Selecting • SelectingthetheCourtesy CourtesyPay Payoption optionin inAlliant AlliantOnline OnlineBanking. Banking. • Calling • Calling800-328-1935 800-328-1935(24/7). (24/7). • Visiting • VisitingananAlliant AlliantBranch. Branch. 9.9.POSTDATED POSTDATEDAND ANDSTALEDATED STALEDATEDCHECKS CHECKS We Wemay maypay payany anycheck checkwithout withoutregard regardtotoitsitsdate. date.You Youagree agreenotnottotodeposit deposit checks checksororother otheritems itemsbefore beforethey theyare areproperly properlypayable. payable.We Weare arenotnot obligated obligatedtotopay payany anycheck checkdrawn drawnononyour youraccount accountthat thatis ispresented presentedmore more than thansixsixmonths monthspast pastitsitsdate. date. We Wedodonotnothave havetotonotify notifyyou youwhen whena stop a stoppayment paymentorder orderexpires. expires. For ForACH ACHstop stoppayments, payments,a written a writtenstop stoppayment paymentorder orderorora stop a stop requested requestedover overthethephone phoneis iseffective effectiveforforsixsixmonths monthsfrom fromthethedate date ofofthethecall. call.Should Shouldthethepayment paymentbebepresented presentedduring duringthethesix-month six-month period periodfrom fromthethedate dateofofthethecall, call,wewewillwillreturn returnthethepayment paymentand andthethe stop stopwillwillnonolonger longerbebevalid. valid. c. c.Liability. Liability.Fees Feesforforstop stoppayment paymentorders ordersare aresetsetforth forthin inthetheFee Fee Schedule. Schedule.You Youmay maynotnotstop stoppayment paymentononany anycertified certifiedcheck, check, cashier’s cashier’scheck, check,teller’s teller’scheck, check,ororany anyother othercheck checkororpayment payment guaranteed guaranteedbybyAlliant. Alliant.Although Althoughpayment paymentofofananitem itemmay maybebestopped, stopped, you youmay mayremain remainliable liabletotoany anyitem itemholder, holder,including includingAlliant. Alliant.You You agree agreetotoindemnify indemnifyand andhold holdAlliant Alliantharmless harmlessfrom fromallallcosts, costs,including including attorney’s attorney’sfees, fees,damages, damages,ororclaims claimsrelated relatedtotoour ourrefusing refusingpayment payment ofofananitem, item,including includingclaims claimsofofany anymultiple multipleparty partyaccount accountowner, owner, payee, payee,ororendorsee endorseein infailing failingtotostop stoppayment paymentofofananitem itemasasa result a resultofof incorrect incorrectinformation informationprovided providedbybyyou. you. 11. 11.CHECK CHECK2121AND ANDSUBSTITUTE SUBSTITUTECHECKS CHECKS What Whatisisa substitute a substitutecheck? check? ToTomake makecheck checkprocessing processingfaster, faster,federal federallaw lawpermits permitsbanks bankstotoreplace replace original originalchecks checkswith with“substitute “substitutechecks.” checks.”These Thesechecks checksare aresimilar similarin insize size totooriginal originalchecks checkswith witha slightly a slightlyreduced reducedimage imageofofthethefront frontand andback backofofthethe original originalcheck. check.The Thefront frontofofa substitute a substitutecheck checkstates: states:“This “Thisis isa legal a legalcopy copy ofofyour yourcheck. check.You Youcan canuse useit the it thesame sameway wayyou youwould woulduse usethetheoriginal original check.” check.”You Youmay mayuse usea substitute a substitutecheck checkasasproof proofofofpayment paymentjust justlike likethethe original originalcheck. check. Some Someororallallofofthethechecks checksthat thatyou youreceive receiveback backfrom fromususmay maybebesubstitute substitute checks. checks.This Thisnotice noticedescribes describesrights rightsyou youhave havewhen whenyou youreceive receivesubstitute substitute checks checksfrom fromus.us.The Therights rightsin inthis thisnotice noticedodonotnotapply applytotooriginal originalchecks checksoror totoelectronic electronicdebits debitstotoyour youraccount. account.However, However,you youhave haverights rightsunder underother other law lawwith withrespect respecttotothose thosetransactions. transactions. Your Yourrights rightsregarding regardingsubstitute substitutechecks. checks. InIncertain certaincases, cases,federal federallaw lawprovides providesa special a specialprocedure procedurethat thatallows allowsyou you totorequest requesta refund a refundforforlosses lossesyou yousuffer sufferif aif substitute a substitutecheck checkis isposted postedtoto your youraccount account(e.g., (e.g.,if you if youthink thinkthat thatwewewithdrew withdrewthethewrong wrongamount amountfrom from your youraccount accountororthat thatwewewithdrew withdrewmoney moneyfrom fromyour youraccount accountmore morethan than once onceforforthethesame samecheck). check).The Thelosses lossesyou youmay mayattempt attempttotorecover recoverunder under this thisprocedure proceduremay mayinclude includethetheamount amountthat thatwas waswithdrawn withdrawnfrom fromyour your account accountand andfees feesthat thatwere werecharged chargedasasa result a resultofofthethewithdrawal withdrawal(e.g., (e.g., returned returnedcheck checkfees). fees). The Theamount amountofofyour yourrefund refundunder underthis thisprocedure procedureis islimited limitedtotothetheamount amount ofofyour yourloss lossororthetheamount amountofofthethesubstitute substitutecheck, check,whichever whicheveris isless. less.You You also alsoare areentitled entitledtotointerest interestononthetheamount amountofofyour yourrefund refundif your if youraccount account is isananinterest-bearing interest-bearingaccount. account.If your If yourloss lossexceeds exceedsthetheamount amountofofthethe substitute substitutecheck, check,you youmay maybebeable abletotorecover recoveradditional additionalamounts amountsunder under other otherlaw. law. If you If youuse usethis thisprocedure, procedure,you youmay mayreceive receiveupuptoto$2,500 $2,500ofofyour yourrefund refund (plus (plusinterest interestif your if youraccount accountearns earnsinterest) interest)within withintenten(10) (10)business business days daysafter afterwewereceived receivedyour yourclaim claimand andthetheremainder remainderofofyour yourrefund refund(plus (plus interest interestif your if youraccount accountearns earnsinterest) interest)notnotlater laterthan than4545calendar calendardays daysafter after wewereceived receivedyour yourclaim. claim. We Wemay mayreverse reversethetherefund refund(including (includingany anyinterest interestononthetherefund) refund)if we if welater later are areable abletotodemonstrate demonstratethat thatthethesubstitute substitutecheck checkwas wascorrectly correctlyposted postedtoto your youraccount. account. How Howtotomake makea claim a claimforfora refund. a refund. If you If youbelieve believethat thatyou youhave havesuffered suffereda loss a lossrelating relatingtotoa substitute a substitutecheck check that thatyou youreceived receivedand andthat thatwas wasposted postedtotoyour youraccount, account,please pleasecontact contactusus atat800-328-1935. 800-328-1935.You Youmust mustcontact contactususwithin within4040calendar calendardays daysofofthethedate date that thatwewemailed mailed(or(orotherwise otherwisedelivered deliveredbybya means a meanstotowhich whichyou youagreed) agreed) thethesubstitute substitutecheck checkin inquestion questionororthetheaccount accountstatement statementshowing showingthat that thethesubstitute substitutecheck checkwas wasposted postedtotoyour youraccount, account,whichever whicheveris islater. later.We We 10. 10.STOP STOPPAYMENT PAYMENTORDERS ORDERS a.a.Stop StopPayment PaymentOrder OrderRequest. Request.You Youmay mayrequest requesta stop a stoppayment payment order orderononany anycheck checkdrawn drawnononyour youraccount. account.ToTobebebinding, binding,ananorder order may maybebeauthorized authorizedbybyagreeing agreeingtotothetheterms termsonline onlineororthrough throughour our automated automatedphone phonebanking bankingservice. service.Stop Stoppayment paymentrequests requestsmay mayalso also bebepresented presentedin inwriting, writing,in inwhich whichcase casethey theymust mustbebedated, dated,signed, signed, and anddescribe describethetheaccount accountand andcheck checknumber numberand andthetheexact exactamount. amount. The Thestop stoppayment paymentwillwillbebeeffective effectiveif Alliant if Alliantreceives receivesthetheorder orderin in time timeforforAlliant Allianttotoactactupon uponthetheorder orderand andyou youstate statethetheaccount, account, check checknumber numberand andexact exactamount. amount.You Youunderstand understandthat thatthetheexact exact information informationis isnecessary necessaryforforAlliant’s Alliant’scomputer computersystem systemtotoidentify identifythethe check. check.If you If yougive giveususincorrect, incorrect,untimely untimelyororincomplete incompleteinformation, information, wewewillwillnotnotbeberesponsible responsibleforforfailing failingtotostop stoppayment paymentononthethecheck. check.If If thethestop stoppayment paymentorder orderis isnotnotreceived receivedin intime timeforforusustotoactactupon uponthethe order, order,wewewillwillnotnotbebeliable liabletotoyou youorortotoany anyother otherparty partyforforpayment payment ofofthethecheck. check.If we If were-credit re-credityour youraccount accountafter afterpaying payinga check a checkover overa a valid validand andtimely timelystop stoppayment paymentorder, order,you youagree agreetotosign signa statement a statement describing describingthethedispute disputewith withthethepayee, payee,tototransfer transfertotoususallallofofyour your rights rightsagainst againstthethepayee payeeororother otherholders holdersofofthethecheck checkand andtotoassist assist ususin inany anylegal legalaction. action. b.b.Duration DurationofofOrder. Order.You Youmay maymake makeananoral oralstop stoppayment paymentorder orderthat that willwilllapse lapsewithin within1414calendar calendardays daysunless unlessconfirmed confirmedin inwriting writingwithin within that thattime. time.Stop Stoppayments paymentsthat thatare areconfirmed confirmedin inwriting writingororthrough throughour our automated automatedphone phonebanking bankingororonline onlinebanking bankingservices servicesare areeffective effective forforsixsixmonths monthsand andmay maybeberenewed renewedin inwriting writingthrough throughour ourautomated automated phone phonebanking bankingservice serviceororonline onlinebanking bankingservice servicefrom fromtime timetototime. time. 8 9 6 16. 16.NOTICES NOTICES a.a.Name Nameoror Address AddressChanges. Changes.You Youare areresponsible responsibleforfornotifying notifyingususofof any anyaddress address(both (bothphysical physicaland andemail) email)ororname namechange. change.Alliant Alliantis is only onlyrequired requiredtotoattempt attempttotocommunicate communicatewith withyou youatatthethemost mostrecent recent address addressyou youhave haveprovided providedtotous.us.We Weaccept accepta change a changein inaddress address provided providedover overthethephone, phone,in inwriting writingororelectronically electronicallythrough throughour our website. website.If you If youfailfailtotoprovide provideususwith withyour yournew newaddress, address,wewemay may update updateyour youraddress addressusing usinginformation informationprovided providedbybythetheUnited UnitedStates States Postal PostalService Serviceand/or and/orimpose imposea Bad a BadAddress Addressfeefeeasassetsetforth forthin inthethe Fee FeeSchedule. Schedule. b.b.Notice Noticeofof Amendments. Amendments.Except Exceptasasprohibited prohibitedbybyapplicable applicablelaw, law,wewe may maychange changethetheterms termsofofthis thisAgreement. Agreement.We Wewillwillnotify notifyyou youofofany any changes changesin interms, terms,rates, rates,ororfees feesasasrequired requiredbybylaw. law.We Wereserve reservethethe righttotowaive waiveany anyterm termin inthis thisAgreement. Agreement.Any Anysuch suchwaiver waivershall shallnotnot right affectour ourright righttotofuture futureenforcement. enforcement. affect EffectofofNotice. Notice.Any Anywritten writtenororelectronic electronicnotice noticeyou yougive giveususis is c. c.Effect effectivewhen whenwewereceive receiveit. it.Any Anywritten writtennotice noticewewegive givetotoyou youis is effective effective effectivewhen whenit is it isdeposited depositedin inthetheU.S. U.S.Mail, Mail,postage postageprepaid prepaidand and addressedtotoyou youatatyour yourstatement statementmailing mailingaddress. address.Any Anyelectronic electronic addressed noticewewegive givetotoyou youis iseffective effectivewhen whenit is it issent. sent.Notice Noticetotoany any notice accountowner owneris isconsidered considerednotice noticetotoallallaccount accountowners. owners. account 17. 17.TAXPAYER TAXPAYERIDENTIFICATION IDENTIFICATIONNUMBERS NUMBERSAND ANDBACKUP BACKUP WITHHOLDING WITHHOLDING Your Yourfailure failuretotofurnish furnisha correct a correctTaxpayer TaxpayerIdentification IdentificationNumber Number(TIN) (TIN)oror meet meetother otherrequirements requirementsmay mayresult resultin inbackup backupwithholding. withholding.If your If youraccount account is issubject subjecttotobackup backupwithholding, withholding,wewemust mustwithhold withholdand andpay paytotothetheInternal Internal Revenue RevenueService Service(IRS) (IRS)a percentage a percentageofofdividends, dividends,interest, interest,and andcertain certain other otherpayments. payments.If you If youfailfailtotoprovide provideyour yourTIN, TIN,wewemay maysuspend suspendopening opening your youraccount. account. willwillextend extendthis thistime timeperiod periodif you if youwere werenotnotable abletotomake makea timely a timelyclaim claim because becauseofofextraordinary extraordinarycircumstances. circumstances. Your Yourclaim claimmust mustinclude: include: • A• Adescription descriptionofofwhy whyyou youhave havesuffered suffereda loss a loss(e.g., (e.g.,you youthink thinkthat thatthethe amount amountwithdrawn withdrawnwas wasincorrect); incorrect); • An • Anestimate estimateofofthetheamount amountofofyour yourloss; loss; • An • Anexplanation explanationofofwhy whythethesubstitute substitutecheck checkyou youreceived receivedis isinsufficient insufficient totoconfirm confirmthat thatyou yousuffered suffereda loss; a loss;and and • A• Acopy copyofofthethesubstitute substitutecheck checkand/or and/orthethefollowing followinginformation informationtotohelp help ususidentify identifythethesubstitute substitutecheck: check:check checknumber, number,payee’s payee’sname, name,amount amount ofofthethecheck. check. 12. 12.ALLIANT ALLIANTLIABILITY LIABILITY If we If wedodonotnotproperly properlycomplete completea transaction a transactionaccording accordingtotothis thisAgreement, Agreement, wewewillwillbebeliable liableforforyour yourlosses lossesorordamages damagesnotnottotoexceed exceedthetheamount amount ofofthethetransaction, transaction,except exceptasasotherwise otherwiseprovided providedbybylaw. law.We Wewillwillnotnotbebe liable liableif: if:(1)(1)your youraccount accountcontains containsinsufficient insufficientfunds fundsforforthethetransaction; transaction; (2)(2)circumstances circumstancesbeyond beyondour ourcontrol controlprevent preventthethetransaction; transaction;(3)(3)your yourloss loss is iscaused causedbybyyou youororanother anotherfinancial financialinstitution’s institution’snegligence; negligence;oror(4)(4)your your account accountfunds fundsare aresubject subjecttotolegal legalprocess processororother otherclaim. claim.We Wewillwillnotnotbebe liable liableforforconsequential consequentialdamages, damages,except exceptliability liabilityforforwrongful wrongfuldishonor. dishonor. We Weexercise exerciseordinary ordinarycare careif our if ouractions actionsorornon-actions non-actionsare areconsistent consistent with withapplicable applicablestate statelaw, law,Federal FederalReserve Reserveregulations regulationsand andoperating operating letters, letters,Clearinghouse Clearinghouserules, rules,and andgeneral generalbanking bankingpractices practicesfollowed followedin inthethe area areaweweserve. serve.You Yougrant grantususthetheright, right,in inmaking makingpayments paymentsofofdeposited deposited funds, funds,totorely relyexclusively exclusivelyononthetheform formofofthetheaccount accountand andthetheterms termsofofthis this Agreement. Agreement.Any Anyconflict conflictbetween betweenwhat whatyou youororour ouremployees employeesmay maysay sayoror write writewillwillbeberesolved resolvedbybyreference referencetotothis thisAgreement. Agreement. 13. 13.ALLIANT ALLIANTLIEN LIENAND ANDSECURITY SECURITYINTEREST INTEREST If you If youowe oweususmoney moneyasasa borrower, a borrower,guarantor, guarantor,endorser endorserororotherwise, otherwise, wewehave havea statutory a statutorylien lienononthetheaccount accountfunds fundsin inany anyaccount accountin inwhich which you youhave haveananownership ownershipinterest, interest,including includingaccounts accountsononwhich whichyou youare area a joint jointowner, owner,regardless regardlessofoftheir theirsource. source.This Thisprovision provisiondoes doesnotnotinclude include Individual IndividualRetirement RetirementAccounts Accounts(IRAs) (IRAs)ororany anyother otheraccount accountthat thatis is prohibited prohibitedbybylaw. law.We Wemay mayapply applythese thesefunds, funds,without withoutfurther furthernotice noticetoto you, you,in inany anyorder ordertotopay payoffoffyour yourindebtedness. indebtedness.ByBynotnotenforcing enforcinga lien, a lien, wewedodonotnotwaive waiveour ourright righttotoenforce enforceit later. it later.InInaddition, addition,you yougrant grantAlliant Alliant a consensual a consensualsecurity securityinterest interestin inallallofofyour yourAlliant Alliantaccounts, accounts,including including accounts accountsononwhich whichyou youare area joint a jointowner, owner,regardless regardlessofoftheir theirsource, source,and and obligations obligationssecured securedbybyproperty propertyforforthethepurpose purposeofofpaying payingany anydebt debtoror amount amountnow nowororhereafter hereafterowed owedAlliant Alliantunless unlessprohibited prohibitedbybyapplicable applicablelaw. law. Such Sucha security a securityinterest interestmay maybebeused usedtotopay payforforany anydebt debtororamount amountowed owed totoAlliant Alliantforforananobligation obligationsecured securedbybyyour yourprimary primaryresidence, residence,butbutyour your primary primaryresidence residenceshall shallonly onlybebesecurity securitytotothetheobligation(s) obligation(s)that thatit secures. it secures. AllAllaccounts accountsare arenon-assignable non-assignableand andnon-transferable non-transferabletotothird thirdparties. parties. 18. 18.STATEMENTS STATEMENTS a.a.Contents. Contents.If we If weprovide providea periodic a periodicstatement statementforforyour youraccount, account,you you willwillreceive receivea periodic a periodicstatement statementofoftransactions transactionsand andactivity activityononyour your account accountduring duringthethestatement statementperiod periodasasrequired requiredbybyapplicable applicablelaw. law.If If a periodic a periodicstatement statementis isprovided, provided,you youagree agreethat thatonly onlyone onestatement statement is isnecessary necessaryforfora multiple a multipleparty partyaccount. account.For Forsavings savingsororchecking checking accounts, accounts,you youunderstand understandand andagree agreethat thatyour youroriginal originalcheck, check,when when paid, paid,becomes becomesproperty propertyofofAlliant Alliantand andmay maynotnotbebereturned returnedtotoyou, you,butbut copies copiesmay maybeberetained retainedbybyususororpayable payablethrough throughfinancial financialinstitutions institutions and andmade madeavailable availableupon uponyour yourrequest. request.You Youunderstand understandand andagree agree that thatstatements statementsare aremade madeavailable availabletotoyou youononthethedate datethey theyare are mailed mailedtotoyou. you.You Youalso alsounderstand understandand andagree agreethat thatchecks checksororcopies copies thereof thereofare aremade madeavailable availabletotoyou youononthethedate datethethestatement statementis ismailed mailed totoyou, you,even evenif the if thechecks checksdodonotnotaccompany accompanythethestatement. statement. b.b.Examination. Examination.You Youare areresponsible responsibleforforexamining examiningeach eachstatement statement and andreporting reportingany anyirregularities irregularitiestotous.us.We Wewillwillnotnotbeberesponsible responsible forforany anyforged, forged,altered, altered,unauthorized unauthorizedororunsigned unsigneditems itemsdrawn drawnonon your youraccount accountif: if:(1)(1)you youfailfailtotonotify notifyususwithin within6060days daysofofthethemailing mailing date dateofofthetheearliest earlieststatement statementregarding regardingany anyforgery, forgery,alteration alterationoror unauthorized unauthorizedsignature signatureononany anyitem itemdescribed describedin inthethestatement; statement;oror (2)(2)any anyitems itemsare areforged forgedororaltered alteredin ina manner a mannernotnotdetectable detectablebyby a reasonable a reasonableperson, person,including includingthetheunauthorized unauthorizeduse useofofa facsimile a facsimile signature signaturemachine. machine. c. c.Notice Noticetoto Alliant. Alliant.You Youagree agreethat thatAlliant’s Alliant’sretention retentionofofchecks checksdoes does notnotalter alterororwaive waiveyour yourresponsibility responsibilitytotoexamine examineyour yourstatements statements ororthethetime timelimit limitforfornotifying notifyingususofofany anyerrors. errors.The Thestatement statementwillwillbebe considered consideredcorrect correctforforallallpurposes purposesand andwewewillwillnotnotbebeliable liableforforany any payment paymentmade madeororcharge chargetotoyour youraccount accountunless unlessyou younotify notifyususin in writing writingwithin withinthetheabove abovetime timelimit limitforfornotifying notifyingususofofany anyerrors. errors.If you If you failfailtotoreceive receivea periodic a periodicstatement, statement,you youagree agreetotonotify notifyususwithin within1414 days daysofofthethetime timeyou youregularly regularlyreceive receivea statement. a statement. 14. 14.LEGAL LEGALPROCESS PROCESS If any If anylegal legalaction actionis isbrought broughtagainst againstyour youraccount, account,wewemay maypay payoutoutfunds funds according accordingtotothetheterms termsofofthetheaction actionororcourt courtorder, order,ororrefuse refuseany anypayout payout until untilthethedispute disputeis isresolved. resolved.Any Anyexpenses expensesororattorney attorneyfees feesweweincur incur responding respondingtotolegal legalprocess processmay maybebecharged chargedagainst againstyour youraccount accountwithout without notice, notice,unless unlessprohibited prohibitedbybylaw. law.Any Anylegal legalprocess processagainst againstyour youraccount accountis is subject subjecttotoour ourlien lienand andsecurity securityinterest. interest. 15. 15.ACCOUNT ACCOUNTINFORMATION INFORMATION Upon Uponrequest, request,wewewillwillgive giveyou youthethename nameand andaddress addressofofeach eachagency agency from fromwhich whichweweobtain obtaina credit a creditreport reportregarding regardingyour youraccount. account.We Weagree agree notnottotodisclose discloseaccount accountinformation informationtotothird thirdparties partiesexcept exceptwhen: when:(1)(1)it is it is necessary necessarytotocomplete completea transaction; a transaction;(2)(2)thethethird thirdparty partyseeks seekstotoverify verifythethe existence existenceororcondition conditionofofyour youraccount accountin inaccordance accordancewith withapplicable applicablelaw; law; (3)(3)such suchdisclosure disclosurecomplies complieswith withthethelaw laworora government a governmentagency agencyororcourt court order; order;oror(4)(4)you yougive giveususwritten writtenpermission. permission. 10 11 7 19. 19.INACTIVE INACTIVEACCOUNTS ACCOUNTS a.a.Inactive InactiveSavings Savings Accounts. Accounts.If your If yoursavings savingsaccount accounthas hashad hadnono withdrawals withdrawalsorordeposits, deposits,other otherthan thancredited crediteddividends, dividends,forfora period a period ofoftime timeasasdetermined determinedbybyAlliant Alliantmanagement, management,it will it willbebeconsidered considered “inactive” “inactive”and andcharged chargedananInactivity InactivityFee, Fee,asassetsetforth forthin inthetheFee Fee Schedule. Schedule.ToToavoid avoidthethefee, fee,you youmust mustperform performatatleast leastone oneofofthethe following followingactions: actions: • Make • Makea deposit. a deposit. • Opt • Optoutoutofofpaper paperstatements statements(receive (receiveeStatements eStatementsonly). only). • Open • Opena checking a checkingaccount. account. • Open • Opena certificate. a certificate. • Obtain • Obtaina loan. a loan. • Contact • ContactAlliant Allianttotodiscuss discussyour yoursavings savingsneeds. needs. If you If youdodonotnotperform performone oneofofthese theseactions, actions,wewewillwillassess assessyou you thetheInactivity InactivityFee, Fee,and andif your if youraccount accountfalls fallsbelow belowthethe$5$5minimum minimum balance balancerequired requiredtotokeep keepyour yoursavings savingsaccount accountopen openand andmaintain maintain your yourmembership, membership,it will it willbebeclosed closedand andany anyremaining remainingfunds fundswillwillbebe mailed mailedtotoyou youin inthetheform formofofananOfficial OfficialCheck. Check. Inactive Inactivesavings savingsaccount accountstatus statusdoes doesnotnotapply applytotomembers memberswho who have haveopen openAlliant Alliantloans, loans,ororwho whohave haveother otheractive activeAlliant Alliantaccounts accounts such suchasaschecking, checking,ananIRA IRAorora certificate. a certificate.It also It alsodoes doesnotnotapply applytoto savings savingsaccounts accountswhere wherethetheprimary primaryaccount accountowner owneris isunder underage age1818 orortotothose thoseaccounts accountsthat thathave havebeen beenopen openforforless lessthan thanone oneyear. year. We Wewillwilladvise adviseyou youin inwriting writingatatleast least3030days daysprior priortotoassessing assessingthethe Inactivity InactivityFee, Fee,and andin insome somecases casesclosing closingyour youraccount, account,and andprovide provide you youwith withthethereasonable reasonableopportunity opportunitytotokeep keepyour youraccount accountactive activeand and open. open. b.b.Inactive InactiveChecking Checking Accounts. Accounts.If your If yourchecking checkingaccount accounthas hashad hadnono activity activitywithin withina one-year a one-yearcalendar calendarperiod, period,it will it willbebedeemed deemedasasanan inactive inactiveaccount accountand andmay maybebeclosed. closed.If your If yourchecking checkingaccount accountis is closed, closed,any anyremaining remainingfunds fundswillwillbebeautomatically automaticallytransferred transferredtoto your yourprimary primarysavings savingsaccount accountminus minusany anyfees feesasassetsetforth forthin inthethe ® ® debit debitcard cardwillwillbebeinactivated. inactivated.If If Fee FeeSchedule, Schedule,and andyour yourVisa Visa your yoursavings savingsaccount accountis isclosed, closed,thethebalance balanceofofthetheaccount accountwillwillbebe forwarded forwardedtotoyou youin inthetheform formofofananOfficial OfficialCheck Checkminus minusany anyfees fees atatsetsetforth forthin inthetheFee FeeSchedule. Schedule.Activity Activityis isdefined definedasasperforming performing transactions transactionsononthetheaccount accountsuch suchas:as: • Writing • Writingchecks. checks. ® ® • Using • Usinga Visa a Visa debit debitcard cardatatananATM, ATM,forfora Point-of-Sale a Point-of-Sale(POS) (POS) transaction transactionorormaking makinga signature-based a signature-basedpurchase. purchase. • Using • UsingAlliant’s Alliant’sonline onlineBillBillPay Payservice. service. • Having • HavingACH ACHdeposits depositsororwithdrawals withdrawalsposting postingtotothetheaccount. account. • Utilizing • Utilizingdirect directdeposit. deposit. • Making • Makingdeposits depositstotoororwithdrawals withdrawalsfrom fromthetheaccount. account. We Wewillwilladvise adviseyou youin inwriting writingatatleast least3030days daysprior priortotoclosing closingyour your checking checkingaccount accountforforinactivity inactivityand andprovide provideyou youwith withthethereasonable reasonable opportunity opportunitytotokeep keepyour youraccount accountopen openand andactive. active. savings, savings,IRA, IRA,minor, minor,trust, trust,custodial, custodial,and/or and/orchecking checkingaccount), account),then thenyour your account(s) account(s)is is(are) (are)considered consideredtotobebedormant dormantand/or and/orabandoned. abandoned.The The account accountwillwillbebeassessed assesseda dormant a dormantaccount account(Escheat) (Escheat)fee, fee,asassetsetforth forth in inthetheFee FeeSchedule, Schedule,and andclosed. closed.The Thefunds fundsin inyour youraccount accountwillwillthen thenbebe escheated escheatedtotothethestate stateofofCalifornia. California.Once Oncefunds fundshave havebeen beenturned turnedover overtoto thethestate, state,wewewillwillnonolonger longerhave haveaccess accesstotosuch suchfunds, funds,and andif you if youchoose choose totoreclaim reclaimsuch suchfunds, funds,you youmust mustapply applytotothetheappropriate appropriatestate stateagency. agency. 21. 21.SPECIAL SPECIALACCOUNT ACCOUNTINSTRUCTIONS INSTRUCTIONS You Youmay mayrequest requestthat thatwewefacilitate facilitatecertain certaintrust, trust,will, will,ororcourt-ordered court-ordered account accountarrangements. arrangements.However, However,because becausewewedodonotnotgive givelegal legaladvice, advice,wewe cannot cannotcounsel counselyou youasastotowhich whichaccount accountarrangement arrangementmost mostappropriately appropriately meets meetsthethespecific specificrequirements requirementsofofyour yourtrust, trust,will, will,ororcourt courtorder. order.If you If youask ask usustotofollow followany anyinstructions instructionsthat thatwewebelieve believemight mightexpose exposeusustotoclaims, claims, lawsuits, lawsuits,expenses, expenses,liabilities, liabilities,orordamages, damages,whether whetherdirectly directlyororindirectly, indirectly, wewemay mayrefuse refusetotofollow followyour yourinstructions instructionsorormay mayrequire requireyou youtotoindemnify indemnify ususororpost posta bond a bondororprovide provideususwith withother otherprotection. protection.We Wemay mayrequire requireyou you totoprovide providewritten writtenauthorization authorizationwhen whenyou yourequest requestaccount accountchanges. changes. 22. 22.TERMINATION TERMINATIONOF OFACCOUNT ACCOUNT InInaddition additiontotothetheother otherprovisions provisionsin inthis thisAgreement, Agreement,wewemay mayterminate terminate your youraccount, account,with withororwithout withoutcause, cause,atatany anytime timewithout withoutnotice noticeand/or and/or explanation explanationtotoyou youorormay mayrequire requireyou youtotoclose closeyour youraccount accountand andapply applyforfor a new a newaccount accountif: if:(1)(1)there thereis isa change a changein inowners ownersororauthorized authorizedsigners; signers; (2)(2)there therehas hasbeen beena forgery a forgeryororfraud fraudreported reportedororcommitted committedinvolving involvingyour your account; account;(3)(3)there thereis isa dispute a disputeasastotothetheownership ownershipofofthetheaccount accountororofof thethefunds fundsin inthetheaccount; account;(4)(4)any anychecks checksare arelost lostororstolen; stolen;(5)(5)there thereare are excessive excessivereturned returnedunpaid unpaiditems itemsnotnotcovered coveredbybyananoverdraft overdraftprotection protection plan; plan;(6)(6)there therehas hasbeen beenany anymisrepresentation misrepresentationororany anyother otherabuse abuseofof any anyofofyour youraccounts; accounts;oror(7)(7)wewereasonably reasonablydeem deemit necessary it necessarytotoprevent prevent a loss a losstotous.us.You Youmay mayterminate terminatea single a singleparty partyaccount accountbybygiving givingwritten written notice. notice.We Wereserve reservethetheright righttotorequire requirethetheconsent consentofofallallaccount accountowners owners tototerminate terminatea multiple a multipleparty partyaccount. account.We Weare arenotnotresponsible responsibleforforpayment payment ofofany anycheck, check,withdrawal, withdrawal,ororother otheritem itemafter afteryour youraccount accountis isterminated; terminated; however, however,if we if wepay payananitem itemafter aftertermination, termination,you youagree agreetotoreimburse reimburseus.us. 23. 23.TERMINATION TERMINATIONOF OFMEMBERSHIP MEMBERSHIP You Youmay mayterminate terminateyour yourmembership membershipbybygiving givingususwritten writtennotice. notice.You Youmay may bebedenied deniedservices servicesororexpelled expelledforforany anyreason reasonallowed allowedbybyapplicable applicablelaw, law, including includingcausing causinga loss a losstotoAlliant Alliantororforforabusive abusivebehavior. behavior. 24. 24.DEATH DEATHOF OFACCOUNT ACCOUNTOWNER OWNER We Wemay maycontinue continuetotohonor honorallalltransfer transferorders, orders,withdrawals, withdrawals,deposits depositsand and other othertransactions transactionsononananaccount accountuntil untilweweare arenotified notifiedofofa member’s a member’s death. death.Once Onceweweare arenotified notifiedofofa member’s a member’sdeath, death,wewemay maypay paychecks checks ororhonor honorother otherpayments paymentsorortransfer transferorders ordersauthorized authorizedbybythethedeceased deceased member memberforfora period a periodofoftenten(10) (10)days daysafter afterthat thatdate dateunless unlesswewereceive receive instructions instructionsfrom fromany anyperson personclaiming claimingananinterest interestin inthetheaccount accounttotostop stop payment paymentononthethechecks checksororother otheritems. items.We Wemay mayrequire requireanyone anyoneclaiming claiminga a deceased deceasedowner’s owner’saccount accountfunds fundstotoindemnify indemnifyususforforany anylosses lossesresulting resulting from fromour ourhonoring honoringthat thatclaim. claim.This ThisAgreement Agreementwillwillbebebinding bindingupon uponany any heirs heirsororlegal legalrepresentatives representativesofofany anyaccount accountowner. owner.If you If youdodonotnotselect select a joint a jointowner ownerononyour yourchecking checkingaccount, account,in inthetheevent eventofofyour yourdeath, death,funds funds willwillbebetransferred transferredtotoyour yourprimary primarysavings savingsaccount accountand andpaid paidtotothethejoint joint owner owner(if(ifapplicable) applicable)orortotothethebeneficiary(ies) beneficiary(ies)named namedononthetheprimary primary savings savingsaccount. account.AllAlldividend dividendpayments paymentstotoananaccount accountmay maycease ceasetoto accrue accrueeffective effectivethethedate dateofofdeath deathofofthetheprimary primaryowner, owner,and andany anydividend dividend payments paymentsmade madeafter afterthethedate dateofofdeath deathofofthetheprimary primaryowner ownermay maybebe reversed reversedfrom fromthetheaccount accountupon uponAlliant’s Alliant’sreceipt receiptofofnotice noticeofofthethedeath deathofof thetheprimary primaryowner. owner. 20. 20.DORMANT DORMANTACCOUNTS ACCOUNTS If you If youreside residein inany anystate stateother otherthan thanCalifornia, California,and andhave havehad hadnonoactivity activity ononyour youraccount(s) account(s)within withina five-year a five-yearperiod period(i.e., (i.e.,primary primarysavings, savings, supplemental supplementalsavings, savings,IRA, IRA,minor, minor,trust, trust,custodial, custodial,and/or and/orchecking checking account), account),then thenyour youraccount(s) account(s)is is(are) (are)considered consideredtotobebedormant dormantand/or and/or abandoned. abandoned.The Theaccount accountwillwillbebeassessed assesseda dormant a dormantaccount account(Escheat) (Escheat) fee, fee,asassetsetforth forthin inthetheFee FeeSchedule, Schedule,and andclosed. closed.The Thefunds fundsin inyour your account accountwillwillthen thenbebeescheated escheatedtotothethestate stateofofIllinois. Illinois.Once Oncefunds fundshave have been beenturned turnedover overtotothethestate, state,wewewillwillnonolonger longerhave haveaccess accesstotosuch suchfunds, funds, and andif you if youchoose choosetotoreclaim reclaimsuch suchfunds, funds,you youmust mustapply applytotothetheappropriate appropriate state stateagency. agency. If you If youreside residein inthethestate stateofofCalifornia Californiaand andhave havehad hadnonoactivity activityononyour your account(s) account(s)within withina three-year a three-yearperiod period(i.e., (i.e.,primary primarysavings, savings,supplemental supplemental 25. 25.SEVERABILITY SEVERABILITY If aIf court a courtholds holdsany anyportion portionofofthis thisAgreement Agreementtotobebeinvalid invalidoror unenforceable, unenforceable,thetheremainder remainderofofthis thisAgreement Agreementshall shallnotnotbebeinvalid invalidoror unenforceable unenforceableand andwillwillcontinue continuein infullfullforce forceand andeffect. effect.AllAllheadings headingsare are 12 13 8 intended intendedforforreference referenceonly onlyand andare arenotnottotobebeconstrued construedasaspart partofofthethe Agreement. Agreement. • Obtain • Obtainbalance balanceinformation informationforforyour yoursavings savingsaccounts. accounts. • Withdraw • Withdrawfunds fundsfrom fromyour yoursavings savingsaccounts accountsupuptoto$500 $500per perday day (in(inmost mostinstances). instances). • Make • Makedeposits depositsupuptoto$10,000 $10,000per perday day(in(inmost mostinstances). instances). • Obtain • Obtainbalance balanceinformation informationforforyour yoursavings savingsaccounts. accounts. • See • Seesection section2 on 2 onpage page1119forfortransfer transferlimitations limitationsthat thatmay mayapply applytoto these thesetransactions. transactions. ® ® ® ® b.b.Visa Visa debit debitcard. card.You Youmay mayuse useyour yourVisa Visa debit debitcard cardtotopurchase purchase goods goodsand andservices servicesfrom fromparticipating participatingmerchants. merchants.If you If youwish wishtoto pay payforforgoods goodsororservices servicesover overthetheInternet, Internet,you youmay maybeberequired required totoprovide providethethecard cardnumber numbersecurity securityinformation informationbefore beforeyou youwillwillbebe permitted permittedtotocomplete completethethetransaction. transaction.You Youagree agreethat thatyou youwillwillnotnot ® ® debit debitcard cardforforany anytransaction transactionthat thatis isillegal illegalunder under use useyour yourVisa Visa ® ® applicable applicablefederal, federal,state, state,ororlocal locallaw. law.Funds Fundstotocover coveryour yourVisa Visa debit debitcard cardpurchases purchaseswillwillbebededucted deductedfrom fromyour yourchecking checkingaccount. account. If the If thebalance balancein inyour yourchecking checkingaccount accountis isnotnotsufficient sufficienttotopay pay thethetransaction transactionamount, amount,Alliant Alliantmay maypay paythetheamount amountand andtreat treatthethe transaction transactionasasa request a requesttototransfer transferfunds fundsfrom fromapproved approvedOverdraft Overdraft Protection Protectionaccounts, accounts,ororother otherdeposit depositororloan loanaccounts accountsthat thatyou you have haveestablished establishedwith withAlliant, Alliant,or,or,if you if youhave havesosoelected, elected,totocover coverthethe transaction transactionwith withCourtesy CourtesyPay Payprotection. protection.If you If youinitiate initiatea transaction a transaction that thatoverdraws overdrawsyour youraccount, account,you youagree agreetotomake makeimmediate immediatepayment payment ofofany anyoverdrafts overdraftstogether togetherwith withany anyservice servicecharges chargestotoAlliant. Alliant.InIn thetheevent eventofofrepeated repeatedoverdrafts, overdrafts,Alliant Alliantmay mayterminate terminateallallservices services ® ® debit debitcard cardand and under underthis thisAgreement. Agreement.You Youmay mayuse useyour yourVisa Visa PIN PIN(Personal (PersonalIdentification IdentificationNumber) Number)atatAlliant-owned Alliant-ownedATMs ATMsand and participating participatingnonproprietary nonproprietaryATMs. ATMs.AtAtthethepresent presenttime, time,you youalso alsomay may ® ® debit debitcard cardto:to: use useyour yourVisa Visa • Make • Makedeposits depositstotoyour yoursavings savingsand andchecking checkingaccounts. accounts. • Withdraw • Withdrawfunds fundsfrom fromyour yoursavings savingsand andchecking checkingaccounts. accounts. • Transfer • Transferfunds fundsfrom fromyour yoursavings savingsand andchecking checkingaccounts. accounts. • Obtain • Obtainbalance balanceinformation informationforforyour yoursavings savingsand andchecking checkingaccounts. accounts. • Make • MakePOS POS(Point-of-Sale) (Point-of-Sale)transactions transactionswith withyour yourPIN PINtotopurchase purchase goods goodsororservices servicesatatmerchants merchantsthat thataccept accepttransactions transactionsrouted routed ® ® debit debitcard. card. through throughthethenetworks networkslisted listedononthetheback backofofyour yourVisa Visa ® ® • Make • Makesignature-based signature-basedtransactions transactionsrouted routedthrough throughVisa Visa . . • Order • Ordergoods goodsororservices servicesbybymail, mail,Internet Internetorortelephone telephonefrom from ® ® places placesthat thataccept acceptVisa Visa . . ® ® The Thefollowing followinglimitations limitationsononthethefrequency frequencyand andamount amountofofVisa Visa debit debit card cardtransactions transactionsmay mayapply: apply: ® ® • There • Thereis isnonolimit limitononthethenumber numberofofVisa Visa debit debitcard cardpurchases purchasesyou you can canmake makeper perday; day;however, however, • Purchase • Purchaseamounts amountsare arelimited limitedtoto$2,000 $2,000PIN PIN+ +$2,000 $2,000signaturesignaturebased basedtransactions transactionsper perday, day,if there if thereare aresufficient sufficientfunds fundsin inyour your account. account. maywithdraw withdrawupuptotoa maximum a maximumofof$1,000 $1,000in inany anyone oneday day • You • Youmay from fromananATM ATMmachine, machine,if there if thereare aresufficient sufficientfunds fundsin inyour youraccount. account. • You • Youmay maytransfer transferupuptotothetheavailable availablebalance balancein inyour youraccounts accountsatat thethetime timeofofthethetransfer. transfer. ® ® • You • Youcan canmake makedeposits depositswith withyour yourVisa Visa debit debitcard cardwith witha $20,000 a $20,000 daily dailylimit. limit. • See • Seesection section2 on 2 onpage page1119forfortransfer transferlimitations limitationsthat thatmay mayapply applytoto these thesetransactions. transactions. ® ® The Thefollowing followingspecial speciallimitations limitationsapply applytotoVisa Visa debit debitcard cardtransactions transactions associated associatedwith withAlliant AlliantTeen TeenChecking Checkingaccounts: accounts: • Purchase • Purchaseamounts amountsarearelimited limitedtoto$300 $300PIN PIN+ +$300 $300signature-based signature-based transactions transactionsperperday, day,if there if therearearesufficient sufficientfunds fundsin inyour youraccount. account. • ATM • ATMwithdrawals withdrawalsare arelimited limitedtoto$100 $100per perday, day,if there if thereare aresufficient sufficient funds fundsin inyour youraccount. account. 26. 26.ENFORCEMENT ENFORCEMENT You Youare areliable liabletotoususforforany anyloss, loss,cost costororexpense expenseweweincur incurresulting resultingfrom from your yourfailure failuretotofollow followthis thisAgreement. Agreement.You Youauthorize authorizeusustotodeduct deductany anysuch such loss, loss,costs costsororexpenses expensesfrom fromyour youraccount accountwithout withoutprior priornotice noticetotoyou. you.If If wewebring bringa legal a legalaction actiontotocollect collectany anyamount amountdue dueunder underorortotoenforce enforcethis this Agreement, Agreement,weweshall shallbebeentitled, entitled,subject subjecttotoapplicable applicablelaw, law,totopayment payment ofofreasonable reasonableattorney’s attorney’sfees feesand andcosts, costs,including includingfees feesononany anyappeal, appeal, bankruptcy bankruptcyproceedings, proceedings,and andany anypost-judgment post-judgmentcollection collectionactions. actions. 27. 27.GOVERNING GOVERNINGLAW LAW This ThisAgreement Agreementis isgoverned governedbybyAlliant’s Alliant’sBylaws, Bylaws,federal federallaws lawsand andregulations, regulations, thethelaws lawsofofthethestate statewhere whereyour youraccount accountis islocated, located,including includingthetheState Stateofof Illinois, Illinois,and andlocal localClearinghouse Clearinghouserules, rules,asasamended amendedfrom fromtime timetototime. time.AsAs permitted permittedbybyapplicable applicablelaw, law,you youagree agreethat thatany anylegal legalaction actionregarding regardingthis this Agreement Agreementshall shallbebebrought broughtin ina county a countyin inwhich whichAlliant Alliantis islocated. located. 28. 28.COMMUNICATION COMMUNICATION Any Anyconflict conflictbetween betweenwhat whatyou youororour ouremployees employeesmay maysay sayororwrite writewillwillbebe resolved resolvedbybyreference referencetotothis thisAgreement. Agreement.AllAllwritten writtenand andoral oralcommunication communication willwillbebein inEnglish. English.If any If anynon-English non-Englishdocuments documentsare arepresented presentedtotoyou youororif if any anyconversations conversationsare arehad hadwith withyou youin ina language a languageother otherthan thanEnglish, English,it is it is asasa courtesy a courtesyand anddoes doesnotnotobligate obligateusustotopresent presentany anyfuture futuredocuments documents ororconduct conductfuture futurebusiness businesswith withyou youin inany anylanguage languageother otherthan thanEnglish English except exceptasasotherwise otherwiserequired requiredbybylaw. law.We Wemay maymonitor monitorand andrecord recordany any telephone telephoneconversation conversationwith withyou youatatany anytime timewithout withoutfurther furthernotice noticetotoyou, you, asasallowed allowedbybylaw. law.The Thedecision decisiontotorecord recordany anyconversation conversationshall shallbebesolely solely atatour ourdiscretion discretionand andweweshall shallhave havenonoliability liabilityforfordoing doingsosoororfailing failingtotododo so.so.You Youagree agreethat thatshould shouldyour youraccounts accountsororloans loansbecome becomedelinquent delinquentoror have havea negative a negativebalance, balance,Alliant Alliantororitsitsagents agentsmay maycontact contactyou youusing usingany any methods methodsasasallowed allowedbybylaw, law,including includingbutbutnotnotlimited limitedtototelephone telephonecalls callstoto any anynumber numberthat thatweweobtain obtainororyou youprovided; provided;online onlinechat chatviaviaAlliant AlliantOnline Online Banking; Banking;email, email,text, text,SMS, SMS,ororother otherelectronic electronicforms formsofofcommunication, communication, such suchasaspre-recorded pre-recordedororartificial artificialvoice voicecalls callsorormessages. messages.You Youalso alsoagree agree that thatyou youshall shallbebesolely solelyresponsible responsibleforforany anyfees feescharged chargedbybyyour yourInternet Internetoror cellular cellularprovider providerthat thatyou youincurred incurredthrough throughsuch suchcontact. contact. ELECTRONIC ELECTRONICFUNDS FUNDSTRANSFER TRANSFER AGREEMENT AGREEMENTAND ANDDISCLOSURE DISCLOSURE This ThisElectronic ElectronicFunds FundsTransfer TransferAgreement Agreementis isthethecontract contractthat thatcovers covers your yourand andour ourrights rightsand andresponsibilities responsibilitiesconcerning concerningthetheelectronic electronicfunds funds transfer transfer(EFT) (EFT)services servicesoffered offeredtotoyou youbybyAlliant AlliantCredit CreditUnion Union(Alliant). (Alliant). InInthis thisAgreement, Agreement,thethewords words“you” “you”and and“yours” “yours”mean meanthose thosewho whosign sign thetheapplication applicationororaccount accountagreement agreementasasapplicants, applicants,joint jointowners, owners,oror any anyauthorized authorizedusers. users.The Thewords words“we,” “we,”“us,” “us,”and and“our” “our”mean meanAlliant. Alliant.The The word word“account” “account”means meansany anyone oneorormore moresavings, savings,Health HealthSavings SavingsAccount Account (HSA), (HSA),checking checkingand andIRA IRAaccounts accountsyou youhave havewith withAlliant. Alliant.Electronic Electronicfunds funds transfers transfersare areelectronically electronicallyinitiated initiatedtransfers transfersofofmoney moneyfrom fromyour youraccount account through throughthetheelectronic electronicfunds fundstransfer transferservices servicesdescribed describedbelow. below.ByBysigning signing ananapplication applicationororaccount accountagreement agreementforforEFT EFTservices, services,signing signingyour yourcard, card, ororusing usingany anyservice, service,each eachofofyou, you,jointly jointlyand andseparately, separately,agree agreetotothethe terms termsand andconditions conditionsin inthis thisAgreement Agreementand andany anyamendments amendmentsforforthetheEFT EFT services servicesoffered. offered. 1.1.EFT EFTSERVICES SERVICES If approved, If approved,you youmay mayconduct conductany anyone oneorormore moreofofthetheEFT EFTservices servicesoffered offered bybyAlliant. Alliant. a.a.Convenience Conveniencecard. card.If approved, If approved,you youmay mayuse useyour yourConvenience Conveniencecard card and andPIN PIN(Personal (PersonalIdentification IdentificationNumber) Number)in inATMs ATMs(automated (automatedteller teller machines), machines),atatAlliant-owned Alliant-ownedATMs ATMsand andparticipating participatingnonproprietary nonproprietary ATMs. ATMs.AtAtthethepresent presenttime, time,you youmay mayuse useyour yourConvenience Conveniencecard cardto:to: 14 15 9 ••See Seesection section2h 2hTeen TeenChecking Checkingon onpage page44for forother otherlimitations limitationsthat that may mayapply. apply. c.c.Visa Visa®® HSA HSAdebit debitcard. card.You Youororan anauthorized authorizedsigner signermay mayuse useyour your Visa®®HSA HSAdebit debitcard cardtotopay payfor forqualified qualifiedmedical medicalexpenses expensesfrom from Visa your yourHealth HealthSavings SavingsAccount Account(HSA). (HSA).IfIfyou youwish wishtotomake makethese these types typesofofpurchases purchasesover overthe theInternet, Internet,you youmay maybe berequired requiredtotoprovide provide card cardnumber numbersecurity securityinformation informationbefore beforeyou youwill willbe bepermitted permittedtoto complete completethe thetransaction. transaction.You Youagree agreethat thatyou youwill willnot notuse useyour yourVisa Visa®® HSA HSAdebit debitcard cardfor forany anytransaction transactionthat thatisisillegal illegalunder underapplicable applicable federal, federal,state, state,ororlocal locallaw. law.Funds Fundstotocover coveryour yourqualified qualifiedmedical medical purchases/expenseswill willbe bededucted deductedfrom fromyour yourHSA. HSA.IfIfthe thebalance balance purchases/expenses ininyour yourHSA HSAisisnot notsufficient sufficienttotopay paythe thetransaction transactionamount, amount,Alliant Alliant will willpay paythe theamount amountand andyou youwill willincur incuraanon-sufficient non-sufficientfunds funds(NSF) (NSF) fee. fee.IfIfyou youinitiate initiateaatransaction transactionthat thatoverdraws overdrawsyour yourHSA, HSA,you youagree agree totomake makeimmediate immediatepayment paymentofofany anyoverdrafts overdraftstogether togetherwith withany any service servicecharges chargestotoAlliant. Alliant.These Thesecharges chargeswill willnot notbe beincluded includedinin the thedistribution distributionamounts amountsreported reportedtotothe theIRS IRSannually. annually.InInthe theevent event ofofrepeated repeatedoverdrafts, overdrafts,Alliant Alliantmay mayterminate terminateall allservices servicesunder under this thisAgreement. Agreement.You Youmay mayuse useyour yourVisa Visa®®HSA HSAdebit debitcard cardand and PIN PIN(Personal (PersonalIdentification IdentificationNumber) Number)atatAlliant-owned Alliant-ownedATMs ATMsand and participating participatingnonproprietary nonproprietaryATMs. ATMs.At Atthe thepresent presenttime, time,you youmay mayuse use HSAdebit debitcard cardto: to: your yourVisa Visa®®HSA ••Withdraw Withdrawfunds fundsonly onlyfrom fromyour yourHSA HSAfor forreimbursement reimbursementofofqualified qualified medical medicalexpenses expensespaid paidfor forout outofofpocket. pocket. ••Obtain Obtainbalance balanceinformation informationfor foryour yourHSA HSAby byrequesting requestingchecking checking balance balanceatatATMs. ATMs. ••Make MakePOS POS(Point-of-Sale) (Point-of-Sale)transactions transactionswith withyour yourPIN PINtotopay payfor for qualified qualifiedmedical medicalexpenses/purchases expenses/purchasesatatmerchants merchantsthat thataccept accept transactions transactionsrouted routedthrough throughthe thenetworks networkslisted listedon onthe theback backofof your yourVisa Visa®®HSA HSAdebit debitcard. card. ••Make Makesignature-based signature-basedtransactions transactionsrouted routedthrough throughVisa Visa®®. . ••Order Ordergoods goodsororservices servicesthat thatare arequalified qualifiedmedical medicalexpenses expensesby by mail, mail,Internet Internetorortelephone telephonefrom fromplaces placesthat thataccept acceptVisa Visa®®. . The Thefollowing followinglimitations limitationson onthe thefrequency frequencyand andamount amountofofVisa Visa®®HSA HSA debit debitcard cardtransactions transactionsmay mayapply: apply: ••There Thereisisno nolimit limiton onthe thenumber numberofofVisa Visa®®HSA HSAdebit debitcard card purchases purchasesyou youcan canmake makeper perday; day;however, however, ••Purchase Purchaseamounts amountsare arelimited limitedtoto$2,000 $2,000per perday, day,ififthere thereare are sufficient sufficientfunds fundsininyour youraccount. account. ••You Youmay maywithdraw withdrawup uptotoaamaximum maximumofof$1,000 $1,000ininany anyone oneday day from froman anATM ATMmachine machinefor forqualified qualifiedmedical medicalexpenses, expenses,ififthere thereare are sufficient sufficientfunds fundsininyour youraccount. account. ••No NoATM ATMdeposits. deposits. ••No NoATM ATMtransfers. transfers. d.d.Automated AutomatedPhone PhoneBanking BankingService. Service.AAPIN PIN(Personal (PersonalIdentification Identification Number) Number)isisrequired requiredtotoaccess accessyour youraccount(s) account(s)via viathe theautomated automated phone phonebanking bankingservice. service.For Forimmediate immediateaccess, access,you youcan canset setyour yourPIN PIN on onAlliant AlliantOnline OnlineBanking Bankingororwhen whenyou youcall call800-328-1935. 800-328-1935.You Youmay may request requestaaPIN PINbe besent senttotoyou youwhen whenyou youspeak speakwith withaaMember MemberService Service Representative. Representative.Joint Jointowners ownersororHSA HSAauthorized authorizedsigners signersmay maynot not initiate, initiate,modify, modify,orordelete deletepasswords passwordsororaccess accesscodes. codes.You Youmust mustuse use your yourPIN PINalong alongwith withyour yourmember memberaccount accountnumber numbertotoaccess accessyour your accounts. accounts.At Atthe thepresent presenttime timeyou youmay mayuse usethe theautomated automatedphone phone banking bankingservice serviceto: to: ••Withdraw Withdrawfunds fundsfrom fromyour yoursavings, savings,checking, checking,and andline-of-credit line-of-credit accounts. accounts. ••Transfer Transferfunds fundsbetween betweenyour yoursavings, savings,checking, checking,and andline-of-credit line-of-credit accounts. accounts. ••Obtain Obtainbalance balanceinformation informationfor foryour yourAlliant Alliantaccounts. accounts. ••Make Makeloan loanpayments paymentsfrom fromyour yoursavings savingsand andchecking checkingaccounts. accounts. ••Determine Determineififaaparticular particularitem itemhas hascleared. cleared. ••Make Makeinteraccount interaccounttransfers transfersfrom fromsavings, savings,checking, checking,and andline-ofline-ofcredit creditaccounts. accounts. ••Verify Verifytransactions transactions(i.e., (i.e.,ACH, ACH,debit debitcard). card). The Theautomated automatedphone phonebanking bankingservice servicewill willbe beavailable availablefor foryour your convenience convenience24 24hours hoursper perday. day.This Thisservice servicemay maybe beinterrupted interruptedfor foraa short shorttime timeeach eachday dayfor fordata dataprocessing. processing.The Thefollowing followinglimitations limitationson on the thefrequency frequencyand andamount amountofofautomated automatedphone phonebanking bankingtransactions transactions may mayapply: apply: ••The Themaximum maximumwithdrawal withdrawaland andtransfer transferamount amountper perday daymay maynot not exceed exceedthe theavailable availablefunds fundsininyour youraccount. account. ••The Themaximum maximumtransfer transferamount amountper perday daymade madetotoaccounts accountsyou you have havepreviously previouslyauthorized authorizedtototransfer transfertotoisisequal equaltotothe theavailable available funds fundsininyour youraccount. account. ••Transfers Transferstotoany anyother otheraccount(s) account(s)is/are is/arelimited limitedtoto$9,999.99 $9,999.99per perday. day. ••See Seesection section22on onpage page11 19for fortransfer transferlimitations limitationsthat thatmay mayapply applytoto these thesetransactions. transactions. Alliant Alliantreserves reservesthe theright righttotorefuse refuseany anytransaction transactionthat thatwould woulddraw draw upon uponinsufficient insufficientfunds, funds,exceed exceedaacredit creditlimit, limit,lower loweran anaccount accountbelow below aarequired requiredbalance, balance,ororotherwise otherwiserequire requireus ustotoincrease increaseour ourrequired required reserve reserveon onthe theaccount. account.All Allchecks checksare arepayable payabletotoyou youas asaaprimary primary member memberand andwill willbe bemailed mailedtotoyour youraddress addressofofrecord. record.Alliant Alliantmay mayset set other otherlimits limitson onthe theamount amountofofany anytransaction, transaction,and andyou youwill willbe benotified notified ofofthose thoselimits. limits.The Theservice servicewill willdiscontinue discontinueififno notransaction transactionisisentered entered ororafter afternumerous numerousunsuccessful unsuccessfulattempts attemptstotoenter enteraatransaction, transaction,and and there theremay maybe belimits limitson onthe theduration durationofofeach eachtelephone telephonecall. call. TelephoneInitiated InitiatedPayments Paymentsand andTransfers. Transfers.You Youcan canmake make e.e.Telephone paymentsorortransfers transfersby bytelephone. telephone.IfIfyou youelect electtotomake makepayments payments payments transfersby bytelephone, telephone,you youmay maybe beassessed assessedaafee feefor foreach each orortransfers occurrenceas asset setforth forthininthe theFee FeeSchedule. Schedule.Services Servicesinclude: include: occurrence Loanpayments paymentsreceived receivedfrom fromother otherfinancial financialinstitutions. institutions. ••Loan Transferstotoother otherfinancial financialinstitutions. institutions. ••Transfers Seesection section22on onpage page11 19for fortransfer transferlimitations limitationsthat thatmay mayapply applytoto ••See thesetransactions. transactions. these Payments Paymentsorortransfers transfersinitiated initiatedby bytelephone telephonewill willpost poston onthe thesame same business businessday dayunless unlessthey theyare arescheduled scheduledtotobe befuture futuredated datedup uptoto30 30 days. days.Payments Paymentsorortransfers transferscan canbe becanceled canceledon onthe thesame sameday dayofof the thetelephone telephonecall callup uptotothe thecut-off cut-offtime, time,ororififfuture futuredated, dated,up uptototwo two business businessdays daysbefore beforethe thescheduled scheduledpostdate. postdate.Alliant Alliantwill willnot notbe beheld held responsible responsiblefor forcancellation cancellationrequests requeststhat thatdo donot notallow allowsufficient sufficienttime time totostop stopthe thetransaction transactionfrom fromgoing goingout. out.The Themaximum maximumwithdrawal withdrawaloror transfer transferamount amountper perday daymay maynot notexceed exceedthe theavailable availablefunds fundsininyour your account accountororAlliant’s Alliant’sdaily dailymaximum maximumlimit. limit.Alliant Alliantreserves reservesthe theright right totorefuse refuseany anytransaction transactionthat thatwould woulddraw drawupon uponinsufficient insufficientfunds, funds, exceed exceedaacredit creditlimit, limit,lower loweran anaccount accountbelow belowaarequired requiredbalance, balance,oror otherwise otherwiserequire requireus ustotoincrease increaseour ourrequired requiredreserve reserveon onthe theaccount. account. Alliant Alliantmay mayset setother otherlimits limitson onthe theamount amountofofany anytransaction, transaction,and and you youwill willbe benotified notifiedofofthose thoselimits. limits.Alliant Alliantmay mayrefuse refusetotohonor honorany any transaction transactionfor forwhich whichyou youdo donot nothave havesufficient sufficientavailable availableverified verified funds. funds.Alliant Alliantwill willcharge chargeaafee feefor forany anyACH ACHtransfers transfersthat thatare arereturned returned from fromanother anotherfinancial financialinstitution institutionas asset setforth forthininthe theFee FeeSchedule. Schedule. f.f. Preauthorized PreauthorizedEFTs. EFTs. Direct DirectDeposit. Deposit.Upon Uponinstruction instructionofof(i)(i)your youremployer employeroror(ii) (ii)the the Treasury TreasuryDepartment Departmentoror(iii) (iii)other otherfinancial financialinstitution(s), institution(s),Alliant Alliant will willaccept acceptdirect directdeposits depositsofofyour yourpaycheck paycheckororofoffederal federalrecurring recurring payments, payments,such suchas asSocial SocialSecurity, Security,totoyour yoursavings savingsororchecking checking account accountororHSA. HSA. Preauthorized PreauthorizedDebits. Debits.Upon Uponinstruction, instruction,we wewill willpay paycertain certainrecurring recurring transactions transactionsfrom fromyour yoursavings savingsaccount, account,checking checkingaccount accountand andloan loan payments. payments.(See (Seesection section22on onpage page11 19for fortransfer transferlimitations limitationsthat thatmay may 16 17 10 apply applytotothese thesetransactions.) transactions.) • Stop • StopPayment PaymentRights. Rights.If you If youhave havearranged arrangedin inadvance advancetotomake makea a single singleororrecurring recurringelectronic electronicfunds fundstransfer transfer(EFT-ACH) (EFT-ACH)outoutofofyour your account(s), account(s),you youmay mayplace placethethefollowing followingstops: stops:single, single,multiple, multiple, ororindefinite. indefinite.You Youmust mustnotify notifyususorally orallyatatany anytime timeupuptotothree three business businessdays daysbefore beforethethescheduled scheduleddate dateofofthethetransfer. transfer.ACH ACH stop stoppayments paymentsneed needexact exactcompany companyname nameororcompany companyIDIDand and dollar dollaramount amounttotobebevalid. valid.Revocation Revocationofofa recurring a recurringACH ACHtransfer transfer must mustbebedone donethrough throughthetheoriginator originatorofofthetheEFT-ACH. EFT-ACH.Stop Stop payments paymentsplaced placedononACH ACHtransactions transactionswillwillbebeeffective effectiveupupuntil untilthethe item itemis ispresented presentedforforpayment paymentexcept exceptin inthethecase caseofofananindefinite indefinite stop stoppayment. payment. • Liability • LiabilityforforFailure FailuretotoStop StopPayment PaymentofofPreauthorized PreauthorizedTransfers. Transfers. If youorder orderusustotostop stoppayment paymentofofananEFT-ACH EFT-ACHtransfer transferthree three If you businessdays daysorormore morebefore beforethethetransfer transferis isscheduled, scheduled,and andwewe business liableforforyour yourlosses lossesorordamages. damages. dodonotnotdodoso,so,wewewillwillbebeliable ElectronicCheck CheckConversion/Electronic Conversion/ElectronicReturned ReturnedCheck CheckFees. Fees.If If g.g.Electronic youpay payforforsomething somethingwith witha check, a check,you youmay mayauthorize authorizeyour yourcheck check you sharedraft drafttotobebeconverted convertedtotoananelectronic electronicfund fundtransfer. transfer.You You ororshare mayalso alsoauthorize authorizemerchants merchantstotoelectronically electronicallydebit debityour youraccount accountforfor may returnedcheck checkfees. fees.You Youare areconsidered consideredtotohave haveauthorized authorizedthese these returned electronicfunds fundstransfers transfersif you if youcomplete completethethetransaction transactionafter afterbeing being electronic told(orally (orallyororbybya notice a noticeposted postedororsent senttotoyou) you)that thatthethetransfer transfermay may told processedelectronically electronicallyororif you if yousign signa written a writtenauthorization. authorization. bebeprocessed AlliantOnline Onlineand andMobile MobileBanking. Banking.A Apassword passwordis isrequired requiredtotoaccess access h.h.Alliant youraccounts accountsviaviaAlliant AlliantOnline OnlineBanking BankingororMobile MobileBanking Bankingservices. services. your Youmust mustuse useyour yourpassword passwordwith withyour youruser username nametotoaccess accessyour your You accounts.AtAtthethepresent presenttime, time,you youmay mayuse useAlliant AlliantOnline Onlineand andMobile Mobile accounts. Bankingto:to: Banking • Withdrawfunds fundsfrom fromyour yoursavings, savings,checking, checking,and andline-of-credit line-of-credit • Withdraw accounts. accounts. • Paybills billsfrom fromyour yourAlliant AlliantChecking Checkingaccount accountororAlliant AlliantHealth Health • Pay SavingsAccount Account Savings • Transferfunds fundsbetween betweenyour yoursavings, savings,checking, checking,and andline-of-credit line-of-credit • Transfer accounts. accounts. • Obtainbalance balanceinformation informationforforyour yourAlliant Alliantaccounts. accounts. • Obtain • Makeloan loanpayments paymentsfrom fromyour yoursavings savingsand andchecking checkingaccounts. accounts. • Make • Makeinteraccount interaccounttransfers transfersfrom fromsavings, savings,checking, checking,and andline-ofline-of• Make creditaccounts. accounts. credit Youraccounts accountscan canbebeaccessed accessedunder underAlliant AlliantOnline OnlineBanking Bankingviavia Your personalcomputer computerorormobile mobiledevices. devices.Alliant AlliantOnline OnlineBanking Bankingwillwillbebe personal availableforforyour yourconvenience convenience2424hours hoursper perday. day.This Thisservice servicemay maybebe available interruptedforfora short a shorttime timeeach eachday dayforfordata dataprocessing. processing.We Wereserve reserve interrupted righttotorefuse refuseany anytransaction transactionthat thatwould woulddraw drawupon uponinsufficient insufficient thetheright funds,exceed exceeda credit a creditlimit, limit,lower lowerananaccount accountbelow belowa required a required funds, balance, balance,ororotherwise otherwiserequire requireusustotoincrease increaseour ourrequired requiredreserve reserveonon account.AllAllchecks checksmade madepayable payabletotoyou youasasa primary a primarymember member thetheaccount. mailedtotoyour youraddress addressofofrecord. record.We Wemay maysetsetother otherlimits limitsonon willwillbebemailed amountofofany anytransaction, transaction,and andyou youwillwillbebenotified notifiedofofthose thoselimits. limits. thetheamount Wemay mayrefuse refusetotohonor honorany anytransaction transactionforforwhich whichyou youdodonotnothave have We sufficientavailable availableverified verifiedfunds. funds.The Theservice servicewillwilldiscontinue discontinueif no if no sufficient transactionis isentered enteredororafter afternumerous numerousunsuccessful unsuccessfulattempts attemptstoto transaction entera transaction, a transaction,and andthere theremay maybebelimits limitsononthetheduration durationofofeach each enter access.The Thefollowing followinglimitations limitationsmay mayapply applytotoAlliant AlliantOnline Onlineand and access. MobileBanking: Banking: Mobile • Themaximum maximumwithdrawal withdrawaland andtransfer transferamounts amountsper perday daymay maynotnot • The exceedthetheavailable availablefunds fundsin inyour youraccount. account. exceed • Themaximum maximumtransfer transferamount amountper perday daymade madetotoaccounts accountsyou you • The have havepreviously previouslyauthorized authorizedtototransfer transfertotois isequal equaltotothetheavailable available funds fundsin inyour youraccount. account. • Transfers • Transferstotoany anyother otheraccount(s) account(s)is/are is/arelimited limitedtoto$9,999.99 $9,999.99perperday. day. • Alliant • Alliantmaintains maintainsACH ACHtransfer transferbalance balancelimits limitsforforallallmember member accounts. accounts.Members Memberswillwillreceive receivemore moretailored tailoredinformation informationabout about specific specificdaily dailytransfer transferlimits limitswhen whenmaking makinga transaction a transactionthrough through Online OnlineBanking. Banking.Limits Limitsare arebased basedononaccount accounthistory, history,including including length lengthofofmembership membershipand andstatus, status,asaswell wellasasother otherfactors. factors.Alliant Alliant reserves reservesthetheright righttotoadjust adjustthese theselimits limitsatatany anytime. time.Members Membersmay may transfer transferamounts amountsabove abovethese theselimits limitsbybyusing usingAlliant’s Alliant’swire wiretransfer transfer service, service,pursuant pursuanttotoAlliant’s Alliant’scurrent currentfees feesforforoutgoing outgoingwire wire transfer transferservices. services.See Seesection section2 on 2 onpage page1119forfortransfer transferlimitations limitations that thatmay mayapply applytotothese thesetransactions. transactions. i. Online i. OnlineBillBillPay Pay(Bill (BillPayments). Payments).We Wewillwillprocess processbillbillpayment paymenttransfer transfer requests requestsonly onlytotothose thosecreditors creditorsAlliant Allianthas hasdesignated designatedin inthetheUser User Instructions Instructionsand andsuch suchcreditors creditorsasasyou youauthorize authorizeand andforforwhom whomAlliant Alliant has hasthetheproper propervendor vendorcode codenumber. number.We Wewillwillnotnotprocess processany anybillbill payment paymenttransfer transferif the if therequired requiredtransaction transactioninformation informationis isincomplete. incomplete. We Wewillwillwithdraw withdrawthethedesignated designatedfunds fundsfrom fromyour yourAlliant AlliantChecking Checking account accountororHSA HSAaccount accountforforbillbillpayment paymenttransfer transferbybythethedesignated designated cut-off cut-offtime timeononthethedate dateyou youschedule scheduleforforpayment paymentasasdesignated designated in inAlliant’s Alliant’sBillBillPay Payagreement. agreement.We Wewillwillprocess processyour yourbillbillpayment payment transfer transferwithin withina designated a designatednumber numberofofdays daysbefore beforethethedate dateyou youare are scheduled scheduledforforpayment paymentasasdesignated designatedin inAlliant’s Alliant’sBillBillPay Payagreement. agreement. You Youmust mustallow allowsufficient sufficienttime timeforforvendors vendorstotoprocess processyour yourpayment payment after afterthey theyreceive receivea transfer a transferfrom fromus.us.Please Pleaseleave leaveasasmuch muchtime timeasas though thoughyou youwere weresending sendingyour yourpayment paymentbybymail. mail.We Wecannot cannotguarantee guarantee thethetime timethat thatany anypayment paymentwillwillbebecredited creditedtotoyour youraccount accountbybythethe vendor. vendor.There Thereis isnonolimit limitononthethenumber numberofofbillbillpayments paymentsper perday. day. AnAnAlliant AlliantChecking Checkingaccount accountororHSA HSAis isrequired requiredforforuse usewith withAlliant Alliant BillBillPay. Pay.There Thereare arenonofees feestotomaintain maintaina Bill a BillPay Payaccount; account;however, however, if incurred, if incurred,applicable applicablefees feeswillwillapply. apply.Please Pleaserefer refertotothethecurrent currentFee Fee Schedule Scheduleforfora complete a completelistlistofoffees. fees. Free FreeBillBillPay Payoverdraft overdraftprotection protectionis isavailable availableforforBillBillPay Payitems items only onlyand andincludes includesHSA HSAaccounts. accounts.It is It isnotnotapplicable applicabletotopaper paper checks checksororHSA HSAchecks checksyou youwrite writefrom fromyour yourAlliant AlliantHSA HSAcheckbook checkbook ororpreauthorized preauthorizedelectronic electronic(ACH) (ACH)withdrawals withdrawalsfrom fromyour yourAlliant Alliant Checking Checkingand andSavings Savingsaccounts accounts– in – inthese thesecases, cases,if an if anoverdraft overdraft occurs, occurs,account accountfees feeswould wouldbebeassessed. assessed.Refer Refertotothethecurrent currentFee Fee Schedule Scheduleforfora complete a completelistlistofoffees. fees.If you If youhave haveCourtesy CourtesyPay Payononyour your Alliant AlliantChecking Checkingaccount, account,it will it willnotnotbebeimplemented implementedasasa source a sourcetoto cover coveroverdraft overdraftBillBillPay Payitems. items. 2.2.TRANSFER TRANSFERLIMITATIONS LIMITATIONS For Forallalltypes typesofofsavings savingsaccounts, accounts,excluding excludingHSAs, HSAs,that thatare areeligible eligible forforpreauthorized, preauthorized,automatic, automatic,telephonic, telephonic,electronic electronicororaudio audioresponse response transfers, transfers,you youmay maymake makeupuptotosixsixsuch suchtransfers transferstotoananaccount accountatatanother another financial financialinstitution institutionorortotoa third a thirdparty partyduring duringany anycalendar calendarmonth. month.If you If you reach reachthese theselimitations limitationswithin withina calendar a calendarmonth, month,additional additionaltransactions transactions willwillnotnotbebeable abletotobebecompleted completedand andmay maybebereturned returnedunpaid. unpaid.If this If thisis isthethe case, case,you youmay maybebeassessed assessedananNSF NSFfee, fee,asassetsetforth forthin inthetheFee FeeSchedule. Schedule. 3.3.CONDITIONS CONDITIONSOF OFEFT EFTSERVICES SERVICES a.a.Ownership OwnershipofofCards. Cards.Any Anycard cardororother otherdevice devicethat thatwewesupply supplytoto you youis isour ourproperty propertyand andmust mustbebereturned returnedtotous,us,orortotoany anyperson person whom whomweweauthorize authorizetotoactactasasour ouragent, agent,orortotoany anyperson personwho whois is authorized authorizedtotohonor honorthethecard, card,immediately immediatelyaccording accordingtotoinstructions. instructions. The Thecard cardmay maybeberepossessed repossessedatatany anytime timeatatour oursole solediscretion discretion without withoutdemand demandorornotice. notice.You Youcannot cannottransfer transferyour yourcard cardororaccount account totoanother anotherperson. person. b.b.Honoring HonoringthetheCard. Card.Neither Neitherwewenor normerchants merchantsauthorized authorizedtotohonor honor thethecard cardwillwillbeberesponsible responsibleforforthethefailure failureororrefusal refusaltotohonor honorthethe card cardororany anyother otherdevice devicewewesupply supplytotoyou. you.If aIf merchant a merchantagrees agreestoto 18 19 11 give giveyou youa refund a refundororadjustment, adjustment,you youagree agreetotoaccept accepta credit a credittotoyour your account accountin inlieu lieuofofa cash a cashrefund. refund. c. c.Foreign ForeignTransactions. Transactions.Purchases Purchasesand andcash cashwithdrawals withdrawalsmade madein in foreign foreigncountries countriesand andforeign foreigncurrencies currenciesusing usingananAlliant-issued Alliant-issuedcard card willwillbebedebited debitedfrom fromyour youraccount accountin inU.S. U.S.dollars. dollars.The Theexchange exchangerate rate ® ® forfortransactions transactionsin ina foreign a foreigncurrency currencywillwillbebea rate a rateselected selectedbybyVisa Visa from fromthetherange rangeofofrates ratesavailable availablein inwholesale wholesalecurrency currencymarkets marketsforfor thetheapplicable applicablecentral centralprocessing processingdate, date,which whichrate ratemay mayvary varyfrom from thetherate rateVisa Visaitself itselfreceives, receives,ororthethegovernment-mandated government-mandatedrate ratein in effect effectforforthetheapplicable applicablecentral centralprocessing processingdate, date,plus plus1 percent. 1 percent.The The currency currencyconversion conversionrate rateused usedononthetheprocessing processingdate datemay maydiffer differfrom from thetherate ratethat thatwould wouldhave havebeen beenused usedononthethepurchase purchasedate dateororcard card holder holderstatement statementposting postingdate. date.AnAnInternational InternationalService ServiceAssessment Assessment feefee(ISA) (ISA)willwillbebeassessed assessedononallalltransactions transactionswhere wherethethemerchant merchant country countrydiffers differsfrom fromthethecountry countryofofthethecard cardissuer. issuer.The Theconverted converted transaction transactionamount amountwillwillbebeshown shownseparately separatelyfrom fromthetheInternational International Service ServiceAssessment Assessmentfeefeeononyour youraccount accountstatement. statement.This Thisfeefeewillwillbebe assessed assessedononallallinternational internationalpurchases, purchases,credit creditvouchers, vouchers,and andcash cash disbursements. disbursements.If applicable, If applicable,finance financecharges chargeswillwillbebeassessed assessedtotothethe International InternationalService ServiceAssessment Assessmentfee. fee. d.d.Security Access Securityofof AccessCode. Code.You Youmay mayuse useone oneorormore moreaccess accesscodes codes with withyour yourelectronic electronicfunds fundstransfers. transfers.The Theaccess accesscodes codesissued issuedtoto you youare areforforyour yoursecurity securitypurposes. purposes.Any Anycodes codesissued issuedtotoyou youare are confidential confidentialand andshould shouldnotnotbebedisclosed disclosedtotothird thirdparties partiesororrecorded recorded ononororwith withthethecard. card.You Youare areresponsible responsibleforforthethesafekeeping safekeepingofofyour your access accesscodes. codes.You Youagree agreenotnottotodisclose discloseororotherwise otherwisemake makeyour your access accesscodes codesavailable availabletotoanyone anyonenotnotauthorized authorizedtotosign signononyour your accounts. accounts.If you If youpermit permitsomeone someoneelse elsetotouse useananEFT EFTservice, service,your your card cardororyour youraccess accesscode, code,you youare areresponsible responsibleforforany anytransactions transactions they theyauthorize authorizeororconduct conductononany anyofofyour youraccounts. accounts.You Youunderstand understand that thatany anyjoint jointowner owneryou youauthorize authorizetotouse useananaccess accesscode codemay may withdraw withdraworortransfer transferfunds fundsfrom fromany anyofofyour youraccounts. accounts.If you If youfailfailtoto maintain maintainthethesecurity securityofofthese theseaccess accesscodes codesand andAlliant Alliantsuffers suffersa a loss, loss,wewemay mayterminate terminateyour yourEFT EFTservices servicesimmediately. immediately. e.e.Joint Accounts. Joint Accounts.If any If anyofofyour youraccounts accountsaccessed accessedunder underthis this Agreement Agreementare arejoint jointaccounts, accounts,allalljoint jointaccount accountowners, owners,including including any anyauthorized authorizedusers usersororHSA HSAauthorized authorizedsigners, signers,shall shallbebebound bound bybythis thisAgreement Agreementand, and,alone aloneand andtogether, together,shall shallbeberesponsible responsible forforallallEFT EFTtransactions transactionstotoororfrom fromany anysavings, savings,checking checkingororloan loan accounts accountsasasprovided providedin inthis thisAgreement. Agreement.Each Eachjoint jointaccount accountowner, owner, without withoutthetheconsent consentofofany anyother otheraccount accountowner, owner,may, may,and andhereby hereby is isauthorized authorizedbybyevery everyother otherjoint jointaccount accountowner ownerto,to,make makeany any transaction transactionpermitted permittedunder underthis thisAgreement. Agreement.Each Eachjoint jointaccount account owner owneris isauthorized authorizedtotoactactforforthetheother otheraccount accountowners, owners,and andAlliant Alliant may mayaccept acceptorders ordersand andinstructions instructionsregarding regardingany anyEFT EFTtransaction transactiononon any anyaccount accountfrom fromany anyjoint jointaccount accountowner. owner. 4.4.FEES FEESAND ANDCHARGES CHARGES There Thereare arecertain certainfees feesand andcharges chargesforforelectronic electronicfunds fundstransfer transferservices. services. For Fora listing a listingofofallallapplicable applicablefees, fees,see seeour ourcurrent currentFee FeeSchedule. Schedule.From From time timetototime, time,thethefees feesmay maychange. change.We Wewillwillnotify notifyyou youofofany anychanges changesasas required requiredbybyapplicable applicablelaw. law. If you If youuse useananATM ATMnotnotowned ownedbybyus,us,you youmay maybebecharged chargeda surcharge-fee a surcharge-feebyby thetheATM ATMoperator operatorororany anynetwork networkused usedtotocomplete completethethetransaction transaction(and (andyou you may maybebecharged chargeda fee a feeforfora balance a balanceinquiry). inquiry).The Thefeefeewillwillbebedebited debitedfrom fromyour your account accountif you if youelect electtotocomplete completethethetransaction transactionororcontinue continuewith withthethebalance balance inquiry. inquiry.Refer RefertotothetheFee FeeSchedule Scheduleforforinformation informationabout aboutATM ATMrebates. rebates. fraud, fraud,you youagree agreetotoprotect protectthethesecurity securityofofyour yournumbers, numbers,codes, codes,marks, marks, signs, signs,passwords, passwords,ororother othermeans meansofofidentification. identification.We Wereserve reservethetheright right totoblock blockaccess accesstotothetheservices servicestotomaintain maintainororrestore restoresecurity securitytotoAlliant Alliant Online OnlineBanking Bankingand andour oursystems systemsif we if wereasonably reasonablybelieve believeyour youraccess access codes codeshave havebeen beenorormay maybebeobtained obtainedororare arebeing beingused usedorormay maybebeused usedbyby ananunauthorized unauthorizedperson(s). person(s).You Youwillwillbear bearthetheliability liabilityororthetherisk riskofofany anyerror error ororloss lossofofdata, data,information, information,transactions transactionsororother otherlosses lossesthat thatmay maybebedue duetoto thethefailure failureofofyour yourcomputer computersystem systemororthird-party third-partycommunications communicationsprovider provider ononwhich whichyou youmay mayrely. rely. Tell TellususATATONCE ONCEif you if youbelieve believeyour yourcard cardhas hasbeen beenlost lostororstolen, stolen,that that ananelectronic electronicfund fundtransfer transferhas hasbeen beenmade madewithout withoutyour yourpermission, permission,ororif if you youbelieve believesomeone someonehas hasused usedyour yourcard cardororaccess accesscode codeororotherwise otherwise accessed accessedyour youraccounts accountswithout withoutyour yourauthority. authority.Telephoning Telephoningis isthethebest best way wayofofkeeping keepingyour yourpossible possiblelosses lossesdown. down.You Youcould couldlose loseallallthethemoney moneyin in your youraccount account(plus (plusyour yourmaximum maximumoverdraft overdraftline lineofofcredit). credit).If aIf transaction a transaction was wasmade madewith withyour yourcard cardororcard cardnumber numberwithout withoutyour yourpermission, permission,and and ® ® was waseither eithera Visa a Visa ororInterlink Interlinktransaction, transaction,you youwillwillhave havenonoliability liabilityforforthethe transaction. transaction.For Forallallother otherEFT EFTtransactions, transactions,including includingATM ATMtransactions, transactions, your yourliability liabilityforforananunauthorized unauthorizedtransaction transactionis isdetermined determinedasasfollows. follows. If you If youtelltellususwithin withintwo twobusiness businessdays daysafter afteryou youlearn learnofofthetheloss lossorortheft theft ofofyour yourcard, card,you youcan canlose losenonomore morethan than$50 $50if someone if someoneused usedyour yourcard card without withoutyour yourpermission. permission.If you If youdodoNOT NOTtelltellususwithin withinthethetwo twobusiness business days daysand andwewecan canprove provewewecould couldhave havestopped stoppedsomeone someonefrom fromusing usingyour your card cardwithout withoutyour yourpermission permissionif you if youhad hadtold toldus,us,you youcould couldlose loseasasmuch much asas$500. $500. Also, Also,if your if yourstatement statementshows showstransfers transfersthat thatyou youdiddidnotnotmake, make,telltellususatat once. once.If you If youdodonotnottelltellususwithin within6060days daysafter afterthethestatement statementwas wasmailed mailed totoyou, you,you youmay maynotnotgetgetback backany anymoney moneylost lostafter afterthethe6060days daysif we if wecan can prove provethat thatwewecould couldhave havestopped stoppedsomeone someonefrom frommaking makingthethetransfers transfersif if you youhad hadtold toldususin intime. time.If aIf good a goodreason reason(such (suchasasa long a longtriptripororhospital hospital stay) stay)kept keptyou youfrom fromtelling tellingus,us,wewewillwillextend extendthethetime timeperiods. periods.If you If you believe believeyour yourcard cardhas hasbeen beenlost lostororstolen stolenororthat thatsomeone someonehas hastransferred transferred orormay maytransfer transfermoney moneyfrom fromyour youraccount accountwithout withoutyour yourpermission, permission,call: call: 800-328-1935 800-328-1935ororwrite writeto:to:Alliant AlliantCredit CreditUnion, Union,PO POBox Box66945, 66945,Chicago, Chicago,ILIL 60666-0945. 60666-0945. 6.6.RIGHT RIGHTTO TORECEIVE RECEIVEDOCUMENTATION DOCUMENTATION a.a.Periodic PeriodicStatements. Statements.Transfers Transfersand andwithdrawals withdrawalsmade madethrough throughany any ATM ATMororPOS POSterminal, terminal,debit debitcard cardtransactions, transactions,automated automatedphone phone banking, banking,preauthorized preauthorizedEFTs, EFTs,electronic/PC electronic/PCtransactions, transactions,ororbillbill payments paymentsyou youmake makewillwillbeberecorded recordedononyour yourperiodic periodicstatement. statement.You You willwillreceive receivea statement a statementmonthly monthlyunless unlessthere thereis isnonotransaction transactionin ina a particular particularmonth. month.InInany anycase, case,you youwillwillreceive receivea statement a statementatatleast least quarterly. quarterly.Refer RefertotothetheFee FeeSchedule Scheduleforforinformation informationregarding regardingpaper paper statement statementfees. fees. DirectDeposit. Deposit.If you If youhave havearranged arrangedtotohave havea direct a directdeposit depositmade made b.b.Direct youraccount accountatatleast leastonce onceevery every6060days daysfrom fromthethesame samesource source totoyour and andyou youdodonotnotreceive receivea receipt a receipt(such (suchasasa pay a paystub), stub),you youcan canfind find outoutwhether whetherorornotnotthethedeposit deposithas hasbeen beenmade madebybylogging logginginto intoAlliant Alliant Online OnlineBanking, Banking,calling callingour ourautomated automatedphone phonebanking bankingservice serviceororthethe MemberContact ContactCenter Centeratat800-328-1935. 800-328-1935.This Thisdoes doesnotnotapply applytoto Member transactionsoccurring occurringoutside outsidethetheUnited UnitedStates. States. transactions 7.7.ACCOUNT ACCOUNTINFORMATION INFORMATIONDISCLOSURE DISCLOSURE We Wewillwilldisclose discloseinformation informationtotothird thirdparties partiesabout aboutyour youraccount accountororthethe transfers transfersyou youmake: make: • As • Asnecessary necessarytotocomplete completetransfers; transfers; • To • Toverify verifythetheexistence existenceofofsufficient sufficientfunds fundstotocover coverspecific specifictransactions transactions upon uponthetherequest requestofofa third a thirdparty, party,such suchasasa credit a creditbureau bureauorormerchant; merchant; • To • Tocomply complywith withgovernment governmentagency agencyororcourt courtorders; orders;oror • If• you If yougive giveususyour yourwritten writtenpermission. permission. 5.5.MEMBER MEMBERLIABILITY LIABILITY You Youare areresponsible responsibleforforallallEFT EFTtransactions transactionsyou youauthorize. authorize.If you If youpermit permit someone someoneelse elsetotouse useananEFT EFTservice, service,your yourcard cardororyour youraccess accesscode, code,you you are areresponsible responsibleforforany anytransactions transactionsthey theyauthorize authorizeororconduct conductononany anyofof your youraccounts. accounts.InInorder ordertotomaintain maintainsecure securecommunications communicationsand andreduce reduce 20 21 12 8.8.BUSINESS BUSINESSDAYS DAYS Our Ourbusiness businessdays daysare areMonday Mondaythrough throughFriday, Friday,excluding excludingfederal federalholidays. holidays. InInyour yourcommunication, communication, 1.1.Tell Tellususyour yourname nameand andaccount accountnumber number(if(ifany). any). 2.2.Describe Describethetheerror errorororthethetransfer transferyou youare areunsure unsureabout, about,and and explain explainasasclearly clearlyasasyou youcan canwhy whyyou youbelieve believeit is it isananerror errororor why whyyou youneed needmore moreinformation. information. 3.Tell 3.Tellususthethedollar dollaramount amountofofthethesuspected suspectederror. error. If you If youtelltellususorally, orally,wewemay mayrequire requirethat thatyou yousend sendususyour yourcomplaint complaintoror question questionin inwriting writingwithin withintenten(10) (10)business businessdays. days. We Wewillwilldetermine determinewhether whetherananerror erroroccurred occurredwithin withintenten(10) (10)business businessdays days after afterwewehear hearfrom fromyou youand andwillwillcorrect correctany anyerror errorpromptly. promptly.If we If weneed needmore more time, time,however, however,wewemay maytake takeupuptoto4545days daystotoinvestigate investigateyour yourcomplaint complaintoror question. question.If we If wedecide decidetotododothis, this,wewewillwillcredit credityour youraccount accountwithin withintenten(10) (10) business businessdays daysforforthetheamount amountyou youthink thinkis isin inerror errorsosothat thatyou youwillwillhave havethethe use useofofthethemoney moneyduring duringthethetime timeit takes it takesusustotocomplete completeour ourinvestigation. investigation. If we If weask askyou youtotoputputyour yourcomplaint complaintororquestion questionin inwriting writingand andwewedodonotnot receive receiveit within it withintenten(10) (10)business businessdays, days,wewemay maynotnotcredit credityour youraccount. account. For Forerrors errorsinvolving involvingnew newaccounts, accounts,point-of-sale, point-of-sale,ororforeign-initiated foreign-initiated transactions, transactions,wewemay maytake takeupuptoto9090days daystotoinvestigate investigateyour yourcomplaint complaintoror question. question.For Fornew newaccounts, accounts,wewemay maytake takeupuptoto2020business businessdays daystotocredit credit your youraccount accountforforthetheamount amountyou youthink thinkis isin inerror. error. We Wewillwilltelltellyou youthetheresults resultswithin withinthree three(3)(3)business businessdays daysafter aftercompleting completing our ourinvestigation. investigation.If we If wedecide decidethere therewas wasnonoerror, error,wewewillwillsend sendyou youa a written writtenexplanation. explanation.You Youmay mayask askforforcopies copiesofofthethedocuments documentsthat thatweweused used ® ® in inour ourinvestigation. investigation.Any AnyTeen TeenChecking CheckingVisa Visa debit debitcard carderror errorresolution resolution willwillrequire requirea signature a signaturefrom froma parent a parentororguardian. guardian. 9.9.ALLIANT ALLIANTLIABILITY LIABILITYFOR FORFAILURE FAILURETO TOMAKE MAKETRANSFERS TRANSFERS If we If wedodonotnotcomplete completea transfer a transfertotoororfrom fromyour youraccount accountonontime timeororin inthethe correct correctamount amountaccording accordingtotoour ourAgreement Agreementwith withyou, you,wewewillwillbebeliable liableforfor your yourlosses lossesorordamages damagesproximately proximatelycaused causedbybyour ourerror. error.However, However,there there are aresome someexceptions; exceptions;wewewillwillnotnotbebeliable, liable,forforinstance: instance: • If, • If,through throughnonofault faultofofours, ours,there thereis isnotnotenough enoughmoney moneyin inyour your accounts accountstotocomplete completethethetransaction, transaction,if any if anyfunds fundsin inyour youraccounts accounts necessary necessarytotocomplete completethethetransaction transactionare areheld heldasasuncollected uncollectedfunds funds pursuant pursuanttotoour ourFunds FundsAvailability AvailabilityPolicy, Policy,ororif the if thetransaction transactioninvolves involves a loan a loanrequest requestexceeding exceedingyour yourcredit creditlimit. limit. • If• you If youused usedyour yourcard cardororaccess accesscode codein inananincorrect incorrectmanner. manner. • If• the If theATM ATMwas wasnotnotworking workingproperly properlyand andyou youknew knewabout aboutthetheproblem problem when whenyou youstarted startedthethetransaction. transaction. • If• acts If actsofofGod God(including (includingbutbutnotnotlimited limitedtotofire, fire,flood, flood,ororpower powerfailure) failure) prevent preventthethetransaction. transaction. • If• the If themoney moneyin inyour youraccount accountis issubject subjecttotolegal legalprocess processororother otherclaim. claim. • If• funds If fundsin inyour youraccount accountare arepledged pledgedasascollateral collateralsubject subjecttotoour ourlien lienoror frozen frozenbecause becauseofofa delinquent a delinquentloan. loan. • If• the If theerror errorwas wascaused causedbybya system a systemofofany anyparticipating participatingATM ATMnetwork. network. • If• any If anycircumstances circumstancesbeyond beyondour ourcontrol control(such (suchasasyour yourwillful willfuloror negligent negligentuse useofofyour yourcard, card,access accesscode, code,ororany anyEFT EFTfacility facilityforformaking making such suchtransfers) transfers)prevent preventthethetransaction. transaction. • If• the If thetelephone telephoneororcomputer computerequipment equipmentyou youuse usetotoconduct conductaudio audio response responseororelectronic/PC electronic/PCtransactions transactionsis isnotnotworking workingproperly properlyand and you youknow knowororshould shouldhave haveknown knownabout aboutthethebreakdown breakdownwhen whenyou you started startedthethetransaction. transaction. • If• you If youhave havebillbillpayment paymentservices, services,wewecan canonly onlyconfirm confirmthetheamount, amount,thethe participating participatingmerchant, merchant,and anddate dateofofthethebillbillpayment paymenttransfer transfermade madebyby Alliant. Alliant.For Forany anyother othererror errorororquestion questionyou youhave haveinvolving involvingthethebilling billing statement statementofofthetheparticipating participatingmerchant, merchant,you youmust mustcontact contactthethemerchant merchant directly. directly.We Wearearenotnotresponsible responsibleforforinvestigating investigatingsuch sucherrors. errors. • Any • Anyother otherexceptions exceptionsasasestablished establishedbybyAlliant. Alliant. 10. 10.NOTICES NOTICES AllAllwritten writtennotices noticesfrom fromususwillwillbebeeffective effectivewhen whenwewehave havemailed mailedthem them orordelivered deliveredthem themtotoyour yourlast lastknown knownaddress addressin inAlliant’s Alliant’srecords. records.Any Any electronic electronicnotice noticewewegive givetotoyou youis iseffective effectivewhen whenit is it issent. sent.Notice Noticetotoany any account accountowner owneris isconsidered considerednotice noticetotoallallaccount accountowners. owners.Notices Noticesfrom from you youwillwillbebeeffective effectivewhen whenreceived receivedbybyAlliant. Alliant.We Wereserve reservethetheright righttoto change changethetheterms termsand andconditions conditionsupon uponwhich whichthis thisservice serviceis isoffered. offered.We We willwillmail mailnotice noticetotoyou youatatleast least2121days daysbefore beforethetheeffective effectivedate dateofofany any change. change.Use Useofofthis thisservice serviceis issubject subjecttotoexisting existingregulations regulationsgoverning governing Alliant Alliantaccounts accountsand andany anyfuture futurechanges changestotothose thoseregulations. regulations. 12. 12.TERMINATION TERMINATIONOF OFEFT EFTSERVICES SERVICES You Youmay mayterminate terminatethis thisAgreement Agreementororany anyEFT EFTservice serviceunder underthis this Agreement Agreementatatany anytime timebybynotifying notifyingususin inwriting writingand andstopping stoppingyour youruse use ofofyour yourcard cardand andany anyaccess accesscode. code.You Youmust mustreturn returnallallcards cardstotoAlliant. Alliant. You Youalso alsoagree agreetotonotify notifyany anyparticipating participatingmerchants merchantsthat thattheir theirauthority authoritytoto make makebillbillpayment paymenttransfers transfershas hasbeen beenrevoked. revoked.We Wemay mayalso alsoterminate terminatethis this Agreement Agreementatatany anytime timebybynotifying notifyingyou youorally orallyororin inwriting. writing.If we If weterminate terminate this thisAgreement, Agreement,wewemay maynotify notifyany anyparticipating participatingmerchants merchantsmaking making preauthorized preauthorizeddebits debitsororcredits creditstotoany anyofofyour youraccounts accountsthat thatthis thisAgreement Agreement has hasbeen beenterminated terminatedand andthat thatwewewillwillnotnotaccept acceptany anyfurther furtherpreauthorized preauthorized transaction transactioninstructions. instructions.We Wemay mayalso alsoprogram programour ourcomputer computersystem systemnotnot totoaccept acceptyour yourcard cardororaccess accesscode codeforforany anyEFT EFTservice. service.Whether Whetheryou youoror Alliant Alliantterminates terminatesthis thisAgreement, Agreement,thethetermination terminationshall shallnotnotaffect affectyour your obligations obligationsunder underthis thisAgreement Agreementforforany anyEFTs EFTsmade madeprior priortototermination. termination. FUNDS FUNDSAVAILABILITY AVAILABILITYPOLICY POLICY This Thisdisclosure disclosuredescribes describesyour yourability abilitytotowithdraw withdrawfunds fundsatatAlliant AlliantCredit Credit Union Union(Alliant). (Alliant).It only It onlyapplies appliestotothetheavailability availabilityofoffunds fundsin intransaction transaction accounts. accounts.Alliant Alliantreserves reservesthetheright righttotodelay delaythetheavailability availabilityofoffunds funds deposited depositedtotoaccounts accountsthat thatare arenotnottransaction transactionaccounts accountsforforperiods periodslonger longer than thanthose thosedisclosed disclosedin inthis thispolicy. policy.Please Pleaseask askususif you if youhave havea question a question about aboutwhich whichaccounts accountsare areaffected affectedbybythis thispolicy. policy. 11. 11.ERROR ERRORRESOLUTION RESOLUTION InInCase CaseofofErrors ErrorsororQuestions QuestionsAbout AboutYour YourStatement StatementContaining Containing Electronic ElectronicFunds FundsTransfers Transfers(EFTs). (EFTs).Contact Contactususasassoon soonasasyou youcan can if you if youthink thinkyour yourstatement statementororreceipt receiptis iswrong wrongororif you if youneed needmore more information informationabout abouta transfer a transferlisted listedononthethestatement statementreceipt. receipt. We Wemust musthear hearfrom fromyou younonolater laterthan than6060days daysafter afterwewesent sentthetheFIRST FIRST statement statementononwhich whichthetheproblem problemororerror errorappeared. appeared.Submit Submitinquiries inquiriesto:to: • Toll-free: • Toll-free:800-328-1935 800-328-1935(24/7) (24/7) • U.S. • U.S.Mail: Mail:Alliant AlliantCredit CreditUnion, Union,POPOBox Box66945, 66945,Chicago, Chicago,ILIL60666-0945 60666-0945 • Electronically • Electronicallythrough throughAlliant AlliantOnline OnlineBanking: Banking: 1.1.Log Login intotoonline onlinebanking; banking; 2.2.Select Select“Messages” “Messages”ononthetheright righttotocompose composeyour yoursecure securemessage; message; 3.3.Make Makesure suretotoinclude include“Error “ErrorResolution” Resolution”in inthethesubject subjectline; line; 1.1.GENERAL GENERALPOLICY POLICY Our Ourpolicy policyis istotomake makefunds fundsfrom fromyour yourdeposits depositsavailable availabletotoyou youononthethe same samebusiness businessday daythat thatwewereceive receiveyour yourdeposit. deposit.Once Oncedeposits depositsare are available, available,you youcan canwithdraw withdrawthethefunds fundsand andwewewillwilluse usethethefunds fundstotopay pay checks checksthat thatyou youhave havewritten. written.For Fordetermining determiningthetheavailability availabilityofofyour your deposits, deposits,every everyday dayis isa business a businessday dayexcept exceptSaturdays, Saturdays,Sundays, Sundays,and and federal federalholidays. holidays.If you If youmake makea deposit a depositbefore before2:00pm 2:00pmlocal localtime, time,onona a business businessday daythat thatweweare areopen, open,wewewillwillconsider considerthat thatday daytotobebethetheday day ofofyour yourdeposit. deposit.However, However,if you if youmake makea deposit a depositafter after2:00pm 2:00pmlocal localtime, time, ororatata deposit a depositbox boxonona day a dayweweare arenotnotopen, open,wewewillwilltreat treatthethedeposit depositasas made madeononthethenext nextbusiness businessday dayweweare areopen. open.InInmost mostinstances, instances,deposits deposits ofofgovernment governmentchecks checksand andlow-risk low-riskitems itemsand andthethefirst first$2,500 $2,500ofofpersonal personal and andbusiness businesschecks checksand andthird-party third-partychecks checks(provided (providedthethepayee payeeand and 22 23 13 4.4.SPECIAL SPECIALRULES RULESFOR FORNEW NEWACCOUNTS ACCOUNTS If you If youare area new a newmember, member,thethefollowing followingspecial specialrules ruleswillwillapply applyduring duringthethe first first3030days daysyour youraccount accountis isopen: open: • In • Inmost mostinstances, instances,funds fundsfrom fromdeposits depositsofofgovernment governmentchecks checksand andlowlowrisk riskitems itemspayable payabletotothethemember(s) member(s)ononthetheaccount accountwillwillbebeavailable available forforwithdrawal withdrawalononthetheday daywewereceive receivethethedeposit. deposit. • Funds • Fundsfrom fromthethedeposit depositofofpersonal personaland andcertain certainbusiness businesschecks checkswillwill bebeavailable availableforforwithdrawal withdrawalononthetheninth ninthbusiness businessday dayafter afterthetheday dayofof thethedeposit. deposit. • Alliantdoes doesnotnotaccept acceptthird-party third-partychecks checksforfordeposit depositinto intonew newaccounts. accounts. • Alliant • Your • Yourability abilitytotoutilize utilizecertain certainfeatures featuresofofour ouronline onlinebanking, banking,mobile mobile banking, banking,automated automatedphone phonebanking, banking,etc., etc.,may maybebelimited. limited. 5.5.SPECIAL SPECIALRULES RULESFOR FORABUSED ABUSEDACCOUNTS ACCOUNTS If you If youare area member a memberwhose whoseaccount accounthas hashad hadfrequent frequentoverdrafts overdraftsin inthethe last lastsixsixmonths, months,have havedeposited depositedchecks checksthat thatwere werereturned returnedunpaid, unpaid,if if your youraccount accountwould wouldhave haveoverdrafted overdraftedhad hadcertain certainchecks checkswritten writtenononthethe account accountbeen beenpaid, paid,ororif your if youraccount accounthas hassuffered sufferedabusive, abusive,fraudulent, fraudulent,oror suspicious suspiciousactivity, activity,thethefollowing followingspecial specialrules ruleswillwillapply: apply: • In • Inmost mostinstances, instances,funds fundsfrom fromdeposits depositsofofgovernment governmentchecks checksand andlowlowrisk riskitems itemspayable payabletotothethemember(s) member(s)ononthetheaccount accountwillwillbebeavailable available forforwithdrawal withdrawalononthetheday daywewereceive receivethethedeposit. deposit. • Funds • Fundsfrom fromthethedeposit depositofofpersonal personaland andbusiness businesschecks checkswillwillbebe available availableforforwithdrawal withdrawalononthetheseventh seventhbusiness businessday dayafter afterwewereceive receive thethedeposit. deposit. • Alliant • Alliantdoes doesnotnotaccept acceptthird-party third-partychecks checksforfordeposit depositinto intoabused abused accounts. accounts. 6.6.DEPOSITS DEPOSITSAT ATATMS ATMS InInmost mostinstances, instances,$2,500 $2,500ofoffunds fundsfrom fromdeposits depositsmade madeatatAlliant Alliant automated automatedteller tellermachines machines(ATMs) (ATMs)willwillbebeavailable availableforforwithdrawal withdrawalononthethe day dayofofdeposit. deposit.The Thebalance balancewillwillbebeavailable availableforforwithdrawal withdrawalononthethesecond second business businessday. day.The Thesame samepolicy policyapplies appliestotodeposits depositsmade madeatatnon-proprietary non-proprietary ATMs ATMs(ATMs (ATMsthat thatAlliant Alliantdoes doesnotnotown ownororoperate). operate). thethepresenter presenterofofthethecheck checkare areboth bothAlliant Alliantmembers membersorora non-member a non-member endorser endorseris ispresent presentwith withidentification) identification)willwillbebeavailable availableforforwithdrawal withdrawal ononthetheday daywewereceive receivethethedeposit. deposit.Government Governmentchecks checksand andlow-risk low-risk items itemsinclude: include:on-us on-uschecks, checks,certified certifiedchecks, checks,cashier’s cashier’schecks, checks,teller’s teller’s checks, checks,Federal FederalReserve ReserveBank Bankchecks, checks,Federal FederalHome HomeLoan LoanBank Bankchecks, checks, government governmentchecks checks(federal, (federal,state, state,and andlocal), local),United UnitedStates StatesPostal Postal Service Servicemoney moneyorders, orders,checks checksfrom fromUnited UnitedAirlines Airlines(UA), (UA),UAUAaffiliates, affiliates, and andUAUAsubsidiaries subsidiariespayroll payrollchecks checksand andSelect SelectEmployer EmployerGroups Groups(SEG) (SEG) payroll payrollchecks. checks.Payroll Payrollchecks checksfrom fromUnited UnitedAirlines Airlines(UA), (UA),UAUAaffiliates affiliates and andsubsidiaries, subsidiaries,and andSelect SelectEmployer EmployerGroups Groups(SEGs) (SEGs)received receivedviavia direct directdeposit, deposit,mailed mailedin inororpresented presenteddirectly directlytotoAlliant Alliantwillwillbebeavailable available immediately immediatelyin inmost mostinstances. instances.If deposited If depositedin ina Shared a SharedBranch Branchlocation, location, funds fundsfrom fromthese thesechecks checkswillwillnotnotreceive receiveimmediate immediateavailability. availability. InInmost mostinstances, instances,thethefirst first$2,500 $2,500ofofpayroll payrollchecks checksdeposited depositedin ina Shared a Shared Branch Branchlocation locationwillwillbebeavailable availableforforwithdrawal withdrawalononthetheday dayofofdeposit. deposit. Aggregated Aggregateddeposits depositsfrom from$2,500.01 $2,500.01toto$5,000 $5,000willwillgenerally generallybebeavailable available forforwithdrawal withdrawalnonolater laterthan thanthethesecond secondbusiness businessday dayafter afteryour yourdeposit depositatat a Shared a SharedBranch Branchlocation. location.Aggregated Aggregateddeposits depositsover over$5,000 $5,000willwillgenerally generally bebeavailable availableforforwithdrawal withdrawalnonolater laterthan thanthetheseventh seventhbusiness businessday dayafter after thetheday dayofofyour yourdeposit depositatata Shared a SharedBranch Branchlocation. location.Additionally, Additionally,Shared Shared Branching Branchinglocations locationsreserve reservethetheright righttotorefuse refuseacceptance acceptanceofofany anyitem item presented presentedforfordeposit depositororpayment. payment. For ForAlliant Alliantmembers memberswho whomeet meetcertain certaincriteria criteriaand andguidelines, guidelines,in insome some instances instancesand andupon uponour ourdiscretion, discretion,additional additionalfunds fundsfrom fromthetheitem(s) item(s)you you deposit depositmay maybecome becomeavailable availabletotoyou youmore morequickly quicklythan thanlisted. listed.Decision Decision criteria criteriaare arerisk riskbased, based,linked linkedtotoaccount accounthistory, history,determined determinedbybyAlliant Alliant using usinginternal internaland andconfidential confidentialinformation, information,and andare aresubject subjecttotochange changeatat any anytime timewithout withoutnotice. notice.AtAta minimum, a minimum,you youwillwillreceive receivefunds fundsavailability availability asaslisted listedherein. herein. 2.2.RESERVATION RESERVATIONOF OFRIGHT RIGHTTO TOHOLD HOLD InInsome somecases, cases,wewewillwillnotnotmake makeallallofofthethefunds fundsthat thatyou youdeposit depositbybycheck check available availabletotoyou youononthethesame samebusiness businessday daythat thatwewereceive receiveyour yourdeposit. deposit. Funds Fundsmay maynotnotbebeavailable availableforforwithdrawal withdrawaluntil untilthetheseventh seventhbusiness businessday day after afterthetheday dayofofyour yourdeposit deposit(see (seeSections Sections3 through 3 through7).7).The Thefirst first$200 $200 ofofyour yourdeposit, deposit,however, however,may maybebeavailable availableforforwithdrawal withdrawalononthethesame same business businessday dayofofyour yourdeposit. deposit.If we If weare arenotnotgoing goingtotomake makeallallofofthethefunds funds from fromyour yourdeposit depositavailable availableforforwithdrawal withdrawalononthethesame samebusiness businessday, day, wewewillwillnotify notifyyou youatatthethetime timeyou youmake makeyour yourdeposit. deposit.We Wewillwillalso alsotelltellyou you when whenthethefunds fundswillwillbebeavailable availableforforwithdrawal. withdrawal.If your If yourdeposit depositis isnotnotmade made directly directlytotoone oneofofour ouremployees, employees,ororif we if wetake takethis thisaction actionafter afteryou youhave haveleftleft thethepremises, premises,wewewillwillmail mailyou youthethenotice noticebybythethenext nextbusiness businessday dayafter afterwewe receive receiveyour yourdeposit. deposit.If you If youwillwillneed needthethefunds fundsfrom froma deposit a depositright rightaway, away, you youshould shouldask askususwhen whenthethefunds fundswillwillbebeavailable availableforforwithdrawal. withdrawal. 7.7.HOLDS HOLDSON ONOTHER OTHERFUNDS FUNDS If we If weaccept accepta check a checkforfordeposit depositthat thatis isdrawn drawnononanother anotherfinancial financial institution, institution,wewemay maymake makefunds fundsfrom fromthethedeposit depositavailable availableforforwithdrawal withdrawal immediately, immediately,butbutdelay delayyour youravailability availabilitytotowithdraw withdrawa corresponding a corresponding amount amountofoffunds fundsthat thatyou youhave haveonondeposit depositin inanother anotheraccount accountwith withus.us.The The funds fundsin inthetheother otheraccount accountwould wouldthen thennotnotbebeavailable availableforforwithdrawal withdrawaluntil until thethetime timeperiods periodsthat thatare aredescribed describedelsewhere elsewherein inthis thisdisclosure disclosureforforthethe type typeofofdeposit. deposit. 8.8.FOREIGN FOREIGNCHECKS CHECKS Checks Checksdrawn drawnononfinancial financialinstitutions institutionslocated locatedoutside outsidethetheU.S. U.S.(foreign (foreign checks) checks)cannot cannotbebeprocessed processedin inthethesame sameway wayasaschecks checksdrawn drawnononU.S. U.S. financial financialinstitutions. institutions.Foreign Foreignchecks checksare areexempt exemptfrom fromthethepolicies policiesoutlined outlined in inthis thisdisclosure. disclosure.Generally, Generally,thetheavailability availabilityofoffunds fundsforfordeposits depositsofofforeign foreign checks checkswillwillbebedelayed delayedforforthethetime timeit takes it takesusustotocollect collectthethefunds fundsfrom fromthethe financial financialinstitutions institutionsupon uponwhich whichthey theyare aredrawn. drawn. 3.3.LONGER LONGERDELAYS DELAYSMAY MAYAPPLY APPLY We Wemay maydelay delayyour yourability abilitytotowithdraw withdrawfunds fundsdeposited depositedbybycheck checkinto intoyour your account accountananadditional additionalnumber numberofofdays daysforforthethefollowing followingreasons: reasons: • We • Webelieve believea check a checkyou youdeposit depositwillwillnotnotbebepaid. paid. • You • Youdeposit depositchecks checkstotaling totalingmore morethan than$5,000 $5,000ononany anyone oneday. day. • You • Youredeposit redeposita check a checkthat thathas hasbeen beenreturned returnedunpaid. unpaid. • You • Youhave haveoverdrawn overdrawnyour youraccount accountrepeatedly repeatedlyin inthethelast lastsixsixmonths months (see (seesection section5 on 5 onpage page25). 14). • There • Thereis isananemergency, emergency,such suchasasfailure failureofofcomputer computeroror communications communicationsequipment. equipment. We Wewillwillnotify notifyyou youif we if wedelay delayyour yourability abilitytotowithdraw withdrawfunds fundsforforany anyofof these thesereasons, reasons,and andwewewillwilltelltellyou youwhen whenthethefunds fundswillwillbebeavailable availableforfor withdrawal. withdrawal.Deposits Depositsfrom from$2,500.01 $2,500.01toto$5,000 $5,000willwillgenerally generallybebeavailable available forforwithdrawal withdrawalnonolater laterthan thanthethesecond secondbusiness businessday dayafter afterthetheday dayofofyour your deposit. deposit.Deposits Depositsover over$5,000 $5,000willwillgenerally generallybebeavailable availableforforwithdrawal withdrawalnono later laterthan thanthetheseventh seventhbusiness businessday dayafter afterthetheday dayofofyour yourdeposit. deposit. 24 25 14 WIRE WIRETRANSFER TRANSFERREQUEST REQUESTAGREEMENT AGREEMENT ANDDISCLOSURE DISCLOSURE AND accounts accountsfrom fromtime timetototime. time.Except Exceptasasspecifically specificallydescribed, described,thethefollowing following disclosures disclosuresapply applytotoallallofofthetheaccounts. accounts.AllAllaccounts accountsdescribed describedin inthis this Truth-In-Savings Truth-In-SavingsDisclosure Disclosureare areshare shareaccounts. accounts.The TheTruth-in-Savings Truth-in-Savings Act Actallows allowsforforthethechange changein interms termsofofshare shareaccounts accountsasaslong longasas30-day 30-day advance advancenotice noticeis isgiven. given. You Youauthorize authorizeAlliant AlliantCredit CreditUnion Union(Alliant) (Alliant)tototransfer transferfunds fundsviaviawire wire transfer, transfer,in inaccordance accordancewith withwire wiretransfer transferfees feesasaslisted listedononthetheFee Fee Schedule, Schedule,and andtotodebit debityour youraccount accountforforboth boththethewire wiretransfer transferfeefeeand andthethe amount amountofofthethewire wiretransfer. transfer.Alliant Alliantis isnotnotliable liableforforfailure failuretotoactactorordelay delay in inacting actingonona wire a wiretransfer transferrequest requestbecause becauseofoflegal legalconstraints, constraints,member member negligence, negligence,interruption interruptionofofcommunication communicationfacilities, facilities,equipment equipmentfailure, failure, emergency emergencyconditions, conditions,violations violationsofofany anyguidelines, guidelines,rules rulesororregulations regulationsofof any anygovernment governmentauthority, authority,ororother othercircumstances circumstancesbeyond beyondAlliant’s Alliant’scontrol. control. Alliant Alliantis isnotnotliable liableforforconsequential, consequential,special specialororexemplary exemplarydamages damagesoror losses lossesofofany anykind. kind. InInmost mostinstances, instances,wire wiretransfer transferrequests requestscannot cannotbebecanceled. canceled.Efforts Effortstoto actactononrequests requestsforforcancellations cancellationswillwillbebemade, made,butbutAlliant Alliantis isnotnotliable liableif, if, forforany anyreason, reason,thethewire wiretransfer transferrequest requestis isnotnotamended amendedororcanceled. canceled. You Youagree agreetotoreimburse reimburseAlliant Alliantforforany anycosts, costs,losses, losses,orordamages damagesthat thatare are incurred incurredin inconnection connectionwith withrequests requeststotoamend amendororcancel cancela wire a wiretransfer transfer request. request.If warranted, If warranted,a refund a refundofofmoney moneyfrom froma cancellation a cancellationofofthethewire wire transfer transferwillwilltake takeplace placeonce onceAlliant Alliantdetermines determinesthat thatthetherecipient recipienthas hasnotnot received receivedthethefunds fundsand andthethefunds fundsare arereturned returnedtotoAlliant. Alliant.The Therefund refundmay may notnotbebeequal equaltotothetheamount amountofofthetheoriginal originalwire wiretransfer transferdue duetotocharges chargesthat that may maybebeimposed imposedbybyother otherfinancial financialinstitutions. institutions. Domestic Domesticwire wiretransfer transferrequests requestsreceived receivedprior priortoto2pm 2pmCentral CentralTime Time (CT) (CT)willwillbebetransmitted transmittedthat thatsame samebusiness businessday. day.Domestic Domesticwire wiretransfer transfer requests requestsreceived receivedafter after2pm 2pmCTCTwillwillbebetransmitted transmittedononthethenext nextbusiness business day. day.International Internationalwire wiretransfer transferrequests requestsreceived receivedprior priortoto10:30am 10:30amCTCTwillwill bebetransmitted transmittedthat thatsame samebusiness businessday. day.International Internationalwire wiretransfer transferrequests requests received receivedafter after10:30am 10:30amCTCTwillwillbebetransmitted transmittedononthethenext nextbusiness businessday. day. A ABank BankIdentifier IdentifierCode Code(BIC), (BIC),also alsoknown knownasasa SWIFT a SWIFTcode, code,is isrequired required forforallallinternational internationalwire wiretransfers. transfers.InInsome someinstances, instances,ananInternational International Bank BankAccount AccountNumber Number(IBAN) (IBAN)may maybeberequired requiredin inaddition additiontotothetheBIC BICoror SWIFT SWIFTcode. code.The Therecipient(s) recipient(s)ofofthethewire wiretransfer transfermust mustbebeidentified identifiedand and physical physicaladdresses addressesprovided providedforforboth boththetherecipient(s) recipient(s)and andthetherecipient’s recipient’s financial financialinstitution. institution.Alliant Alliantand andthethereceiving receivingfinancial financialinstitution institutionmay may process processthethewire wiretransfer transferrequest requestbased basedonly onlyononthetheaccount accountnumber(s) number(s) and andother otherinformation informationlisted. listed.Alliant Alliantis isnotnotresponsible responsibleforforincorrect incorrectrecipient recipient information informationconveyed conveyedand/or and/orlisted listedononthethewire wiretransfer transferrequest. request.You Youagree agree totohold holdAlliant Alliantharmless harmlessif the if therecipient recipientinformation informationyou youconvey conveytotoususis is incorrect incorrectororincomplete. incomplete. Wire Wiretransfer transferrequests requestsare aresubject subjecttotoAlliant’s Alliant’sFunds FundsAvailability AvailabilityPolicy Policy and andif applicable, if applicable,wewereserve reservethetheright righttotoverify verifyfunds fundsbefore beforewiring wiringthem. them. Your Yourrights rightsand andobligations obligationsregarding regardingwire wiretransfers transfersmay maybebecovered coveredbyby Regulation RegulationJ of J ofthetheU.S. U.S.Federal FederalReserve ReserveBoard Boardand/or and/orArticle Article4A4Aofofthethe Uniform UniformCommercial CommercialCode. Code.If security If securityprocedures proceduresare arenotnotsuccessful, successful, thethewire wiretransfer transferrequest requestmay maybebecanceled canceledbybyAlliant. Alliant.If this If thisis isthethecase, case, you youwillwillbebenotified notifiedbybyphone phoneand/or and/orU.S. U.S.mail mailwithin withintwo twobusiness businessdays. days. When Whensending sendingwire wiretransfers transferstotoa foreign a foreigncountry, country,Alliant Alliantwillwillsend sendthethe funds fundsin inU.S. U.S.dollars. dollars.They Theymay maybebeconverted convertedinto intothetheappropriate appropriateforeign foreign currency currencybybythethefinancial financialinstitution institutionthat thattransmits transmitsAlliant’s Alliant’swire wiretransfers transfersoror thetherecipient’s recipient’sfinancial financialinstitution. institution.If aIf wire a wiretransfer transferis isnotnotreceived receivedbybythethe recipient recipientand anditsitswhereabouts whereaboutsneed needtotobebetraced, traced,you youmay maybebecharged chargedanan account accountresearch researchfeefee(as(aslisted listedin inthetheFee FeeSchedule) Schedule)if itif was it wasnotnotAlliant’s Alliant’s error. error.It is It isyour yourresponsibility responsibilitytotomonitor monitoryour youraccount accountand andstatements statementsforfor any anyerrors errorsorordiscrepancies discrepanciesregarding regardingwire wiretransfers. transfers.If you If youdiscover discoveranan error errororordiscrepancy, discrepancy,you youmust mustcontact contactAlliant AlliantCredit CreditUnion Unionwithin within6060days days ofofreceiving receivingyour youraccount accountstatement statementtotoinitiate initiateananinvestigation. investigation. 1.1.RATE RATEINFORMATION INFORMATION The TheAnnual AnnualPercentage PercentageYield Yield(APY) (APY)is isa percentage a percentagerate ratethat thatreflects reflectsthethe total totalamount amountofofdividends dividendstotobebepaid paidononananaccount accountbased basedononthetheDividend Dividend Rate Rateand andfrequency frequencyofofcompounding compoundingforforananannual annualperiod. period.For ForAlliant Alliant Savings, Savings,Supplemental SupplementalSavings, Savings,Trust, Trust,Health HealthSavings, Savings,UTMA UTMACustodial Custodial Savings, Savings,Checking, Checking,Mortgage MortgageShare, Share,Traditional TraditionalIRA, IRA,Roth RothIRA, IRA,SEP SEP IRA, IRA,and andCoverdell CoverdellEducation EducationSavings Savingsaccounts, accounts,thetheDividend DividendRate Rateand and Annual AnnualPercentage PercentageYield Yieldmay maychange changemonthly monthlyasasdetermined determinedbybyAlliant’s Alliant’s Executive ExecutiveTeam. Team.For Forcertificate certificateaccounts accounts(share (shareand andIRA), IRA),thetheDividend Dividend Rate Rateand andAnnual AnnualPercentage PercentageYield Yieldmay maychange changedaily dailyasasdetermined determinedbyby Alliant’s Alliant’sExecutive ExecutiveTeam. Team.The TheDividend DividendRates Ratesand andAnnual AnnualPercentage Percentage Yields Yieldsare arethetherates ratesand andyield yieldasasofofthethelast lastdividend dividenddeclaration declarationdate. date. Current Currentrates ratesare arepublished publishedin inour ournewsletters, newsletters,ononalliantcreditunion.com, alliantcreditunion.com, and andatatAlliant AlliantBranch Branchlocations. locations. 2.2.NATURE NATUREOF OFDIVIDEND DIVIDENDRATES RATES Dividends Dividendsare arepaid paidfrom fromcurrent currentincome incomeand andavailable availableearnings earningsafter after required requiredtransfers transferstotoreserves reservesatatthetheend endofofthetheDividend DividendPeriod. Period. 3.3.DIVIDEND DIVIDENDCOMPOUNDING COMPOUNDINGAND ANDCREDITING CREDITING The Thecompounding compoundingand andcrediting creditingfrequency frequencyofofdividends dividendsand anddividend dividend period periodapplicable applicabletotoeach eachaccount accountare arestated statedin inthetheTruth-In-Savings Truth-In-Savings Disclosure DisclosureChart. Chart.The TheDividend DividendPeriod Periodis isthetheperiod periodofoftime timeatatthetheend endofof which whichananaccount accountearns earnsdividend dividendcredit. credit.The TheDividend DividendPeriod Periodbegins beginsonon thethefirst firstcalendar calendarday dayofofthetheperiod periodand andends endsononthethelast lastcalendar calendarday dayofof thetheperiod. period. 4.4.ACCRUAL ACCRUALOF OFDIVIDEND DIVIDEND For Forallallaccounts, accounts,dividends dividendswillwillbegin begintotoaccrue accrueonondeposits depositsononthethe business businessday dayyou youmake makethethedeposit deposittotoyour youraccount. account. 5.5.BALANCE BALANCEINFORMATION INFORMATION ToToopen openany anyaccount accountyou youmust mustdeposit depositororalready alreadyhave haveonondeposit depositatat least leastthethepar parvalue valueofofone onefullfullshare sharein inany anyaccount. account.The Thepar parvalue valueofof one oneshare shareis is$5.$5.Some Someaccounts accountsmay mayhave haveadditional additionalminimum minimumopening opening deposit depositrequirements. requirements.The Theminimum minimumbalance balancerequirements requirementsapplicable applicabletoto each eachaccount accountare arestated statedin inthetheTruth-In-Savings Truth-In-SavingsDisclosure DisclosureChart. Chart.For Forallall accounts, accounts,there thereis isa minimum a minimumAverage AverageDaily DailyBalance Balancerequired requiredtotoearn earnthethe Annual AnnualPercentage PercentageYield Yielddisclosed disclosedforforthethedividend dividendperiod. period.If the If theminimum minimum average averagedaily dailybalance balanceis isnotnotmet, met,you youwillwillnotnotearn earnthetheAnnual AnnualPercentage Percentage Yield. Yield.For Foraccounts accountsusing usingthetheAverage AverageDaily DailyBalance Balancemethod, method,dividends dividends are arecalculated calculatedbybyapplying applyinga periodic a periodicrate ratetotothetheAverage AverageDaily DailyBalance Balance in inthetheaccount accountforforthethedividend dividendperiod. period.The TheAverage AverageDaily DailyBalance Balanceis is calculated calculatedbybyadding addingthethebalance balancein inthetheaccount accountforforeach eachday dayofofthetheperiod period and anddividing dividingthat thatfigure figurebybythethenumber numberofofdays daysin inthetheperiod. period. 6.6.SAVINGS SAVINGSACCOUNT ACCOUNTTRANSACTION TRANSACTIONLIMITATIONS LIMITATIONS For Forallalltypes typesofofsavings savingsaccounts, accounts,excluding excludingHSAs, HSAs,that thatare areeligible eligible forforpreauthorized, preauthorized,automatic, automatic,telephonic, telephonic,electronic electronicororaudio audioresponse response transfers, transfers,you youmay maymake makeupuptotosixsixsuch suchtransfers transferstotoananaccount accountatatanother another financial financialinstitution institutionorortotoa third a thirdparty partyduring duringany anycalendar calendarmonth. month.If you If you reach reachthese theselimitations limitationswithin withina calendar a calendarmonth, month,additional additionaltransactions transactionswillwill notnotbebeable abletotobebecompleted completedand andmay maybebereturned returnedunpaid. unpaid.For Forchecking checking accounts, accounts,nonotransaction transactionlimitations limitationsapply; apply;however, however,Overdraft OverdraftProtection Protection transfers transfersmay maybebereturned returnedif you if youhave havereached reachedyour yourmonthly monthlylimit. limit.(See (See Section Section8 Overdrafts 8 Overdraftsononpage page5 for 6 formore moreinformation.) information.) TRUTH-IN-SAVINGS TRUTH-IN-SAVINGSDISCLOSURE DISCLOSURE 7.7.FEE FEEINFORMATION INFORMATION Certain Certainfees feesMAY MAYbebeassessed assessedagainst againstyour youraccounts. accounts.Refer RefertotothetheFee Fee Schedule Scheduleforforthetheamount amountofofany anyfeefeethat thatmay maybebeimposed imposedin inconnection connection with withyour youraccount. account. The Therates ratesand andterms termsapplicable applicabletotoyour youraccount accountatatAlliant Alliantare areprovided providedin in this thisTruth-In-Savings Truth-In-SavingsDisclosure. Disclosure.Alliant Alliantmay mayoffer offerother otherrates ratesforforthese these 26 27 15 TRUTH-IN-SAVINGS DISCLOSURE CHART ACCOUNT TYPE DIVIDENDS Dividends Dividends Dividend Compounded Credited Period BALANCE REQUIREMENTS Minimum Opening Deposit Minimum Balance to Avoid a Service Fee ACCOUNT LIMITATIONS Minimum Balance Method See Section 6 of Balance Truth-In-Savings Disclosure to Earn the Stated APY Savings Account Monthly Monthly Monthly $5.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. Supplemental Savings Monthly Monthly Account Monthly $0.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. Trust Account Monthly Monthly Monthly $5.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. Health Savings Account Monthly Monthly (HSA)* Monthly $0.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. UTMA Custodial Savings Monthly Monthly Account Monthly $5.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. Free High Rate Checking Monthly Monthly Account Monthly $0.00 –– $0.00 (calendar) Average Daily Balance Free Basic Checking Account –– –– –– $0.00 –– –– Account restrictions apply. –– Account restrictions apply. Mortgage Share Account Monthly Monthly Monthly $0.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. Traditional IRA Monthly Monthly Monthly $0.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. Roth IRA Monthly Monthly Monthly $0.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. SEP IRA Monthly Monthly Monthly $0.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. Coverdell Education Monthly Monthly Savings Account (ESA) Monthly $0.00 –– $100.00 (calendar) Average Daily Balance Account transfer limitations apply. Regular Certificates (Share, Monthly IRA , ESA) 12- to 60-month* Monthly and Monthly $1,000.00 –– $1,000.00 at maturity (calendar) Average Daily Balance Account transfer limitations apply. Jumbo Certificates (Share, Monthly IRA , ESA) 12- to 60-month* Monthly and Monthly $25,000.00 –– $25,000.00 at maturity (calendar) Average Daily Balance Account transfer limitations apply. * For additional information, please see the Agreement and Disclosures for this product at www.alliantcreditunion.com. 16 PRIVACY POLICY Alliant, your member-owned financial institution, is committed to providing a safe place to save and borrow money at very competitive rates. Alliant is equally committed to protecting members’ privacy, and you can be confident that financial privacy is a priority of Alliant. Alliant gives all members this Privacy Notice to explain how Alliant collects, uses and safeguards its members’ personal financial information. Member Information Collected. Alliant collects nonpublic personal member information from the following sources: • Membership and loan applications and other member-initiated applications and forms; • Member account transactions with Alliant or other financial institutions; and • Consumer and credit reporting agencies. Member Information Disclosed. Alliant may disclose all of the information collected, as described above, to companies that perform marketing services on behalf of Alliant or to other financial institutions that Alliant has joint marketing agreements with. At no time does Alliant sell or share information with companies not included in providing services directly or assisting us in providing services to our members. To protect our members’ privacy, Alliant only conducts business with organizations that agree to maintain strong confidentiality protections and limit the use of information Alliant provides. Alliant may also disclose nonpublic personal information about its members under other circumstances as permitted or required by law. These disclosures typically include: • Information to maintain or service a member’s account; • Conduct the operations of Alliant; • Follow member instructions as authorized; or • Protect the security of Alliant financial records. If a member decides to terminate his/her membership or become an inactive member, Alliant will adhere to the privacy policies and practices as described in this notice. How Alliant Protects Its Members’ Information. Alliant restricts access to nonpublic personal information about its members to Alliant employees who have a specific business purpose in utilizing member data. Alliant employees are trained in the importance of confidentiality and member privacy by maintaining physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard members’ nonpublic personal information. What Members Can Do To Help Protect Their Privacy. Alliant is committed to protecting the privacy of its members. Help safeguard your personal information by following these simple guidelines: • Upon receipt of your Visa® debit card and/or Convenience card, verify the information on the front and sign the back panel immediately. • Report a lost or stolen card(s) immediately to Alliant at 800-328-1935. After business hours, please call 866-861-5411. • Protect your card(s) at all times by carrying only the ones you intend to use. Store all other cards in a safe place. • Be aware of your surroundings when approaching an ATM. Make sure no one can oversee you enter your PIN by shielding the keypad with your hand or body. • Memorize your PIN and keep it confidential. Do not write it on the card or keep it in your wallet. • Make sure the merchant returns your card and check it to make sure it’s your card. • Keep your ATM transaction and debit card receipts. Log them into your check register. Destroy the carbons if present. • Never give your card information over the phone unless you initiate the call. • Never pre-sign your checks. • Balance your checkbook each month and report any unauthorized transactions immediately. • Treat all of your financial information as confidential and proprietary. If you have any questions concerning this policy, please contact the 24/7 Member Contact Center at 800-328-1935 or visit an Alliant Branch. Alliant Credit Union is owned and operated by its members. Membership is a lifetime benefit and is available to the employees and their family members of select employee groups, organizations and residents and workers in select communities. Alliant Credit Union is chartered in the state of Illinois and is supervised by the Illinois Department of Financial and Professional Regulation. PO Box 66945, 11545 W. Touhy Avenue Chicago, IL 60666-0945 alliantcreditunion.com ©2016 Alliant Credit Union. All Rights Reserved. P105-R06/16 17
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