Virtual Branch Disclosure
 
1. Virtual Branch® On-Line Services
    You must be a member of SECU Federal Credit Union in order to use Virtual Branch®. The following
    transactions may be performed by a member through Virtual Branch®.
    a. Review balances and transaction history on accounts.
    b. You may transfer funds between you SECU accounts (share, draft, and/or loans).
    c. Review year-to-date transactions.
 
    Note: Transfers done on Virtual Branch® DO NOT immediately credit or change your
    account(s). Transfers will be effective the next business day after the date of such transaction.
    Theses may be seen as early as 8:00 am
 
2. Operating Systems
    Our internet site is designed to operate using World Wide Web technologies and protocols, which are adaptable
    to a wide range of systems.
 
3. Password/Personal Identification Number (PIN)
    Access to a member account will be by means of a member’s PIN. Users agree not to make their PIN available
    to any other person. If you believe that your PIN has been lost or stolen, or find that someone has transferred
    or may transfer funds from your account without your permission, call (509) 735-3571 between 10 a.m. and 6
    p.m., Monday through Friday. Or, write to us at 1780 Fowler, Richland, Washington 99352. You may also visit
    any of our offices.
 
    You may change your password (PIN) at any time when you are using Virtual Branch®. We
    recommend that you change your PIN periodically and do so immediately, if you believe someone has gained
    access to your information.  See additional information regarding Multifactor Authentication.
 
4. Changes
    SECU Federal Credit Union does not intend to charge for this service. SECU does reserve the right to do so in
    the future and will provide 30 days advance notice to all members and to all users through the system.
 
5. Statements
    All transactions generated through Virtual Branch® and any fees will appear on your monthly or
    quarterly statement.
 
6. Our Liability
    If we do not complete a transfer to or from your account on time or in the correct amount according to our
    agreement with you, we will be liable for your losses or damages. However, we will not be liable for the
    following exceptions:
    a.  If, through no fault of ours, you do not have enough money in your account to make the transfer;
    b.  If, Virtual Branch® equipment or software was not working properly and you knew about the
         breakdown when you did the transfer;
    c.  If, circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable
         precautions that we have taken.
 
    We shall not be responsible for any other loss, damage, or injury whether caused by the equipment, software,
    and/or Virtual Branch® service, nor shall we be responsible for any direct, indirect, special, or
    consequential damages arising in any way out of the installation, use, or maintenance of your equipment,
    software, and/or Virtual Branch® except where the law requires a different standard. We do not
    make any warranties concerning the equipment, the software, or any part thereof, including, without
    limitations, any warranties or fitness for a particular purpose or warranties of merchant liability.
 
7. Errors and Questions
    In case of errors or questions about your electronic transfers, telephone us at (509) 735-3571, or write us at
    1780 Fowler, Richland, Washington 99352, within sixty (60) days after you learn of the error. You will need to
    tell us the following:
    a.  Your name and account number.
    b.  Why you believe there is an error and the specific dollar amount.
    c.  When the error took place.
 
    If you tell us orally, we may require that you send us your complaint or question in writing within ten (10)
    business days. We will reply and tell you the results of our investigation within ten (10) business days and
    correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the
    complaint, but you will have the use of your funds after ten (10) business days. If we ask you to put your
    question or complaint in writing and we do not receive it within ten (10) business days, we may not credit your
    account during the investigation.
 
    If we decide that there was no error, we will send you a written explanation within three (3) business days
    after we finish our investigation. You may request copies of the documents that we used in our investigation.
 
    If you need more information about our error resolution procedures, please call us at (509) 735-3571.