GECU Addendum July 2017 INSTRUCTIONS: This addendum is incorporated into and becomes a part of your Terms and Conditions effective immediately unless stated otherwise herein. Please keep this attached to your Terms and Conditions. Page 36 The following paragraph is revised as follows: COMPLAINT NOTICE If you have a problem with the services provided by this credit union, please contact us at: (GECU) Credit Union, P.O. BOX 20998 El Paso, TX 79998-0998, 915-778-9221 or Toll Free 1-800-772-4328 or [email protected] The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department at 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837- 9236, Website: www.cud.texas.gov Page 37 The following paragraph is revised as follows: GECU ATM/GECU Debit Cards Annual Card Renewal......................................................NO CHARGE Card Design Options: GECU Empowerment Debit Card...........................NO CHARGE El Paso Chihuahuas**.........................................................$5.00 Card Replacement Fee................................................................$5.00 Monetary Transactions at GECU ATMs..........................NO CHARGE ATM Service Charge: Transactions at Non-GECU ATMs............$1.00 per transaction* Denied Transactions: at GECU ATMs.............................................NO CHARGE at Non-GECU ATMs.............................$1.00 per attempt* Point-of-Sale Transactions (POS)..........................NO CHARGE Non-Sufficient Funds Charge (NSF)…...$29.50 each transaction ATM Balance Inquiry..............................................NO CHARGE Foreign Transaction Fee......................1% of transaction amount * Plus any machine usage fee charged by the owner of the ATM; this fee will be disclosed at the time of the transaction. ** Or any other special card design, when offered Page 38 The following paragraph is revised as follows: Miscellaneous Electronic Cash Management (ECM) Fee (Consumer transactions) Return ECM Fee (per occurrence).........................................$15.00 One-Time Setup for Recurring Via Representative................$15.00 Ear-to-Ear Non-Recurring Via Representative.......................$15.00 Online.......................................................................................$5.00 GECU Mobile App....................................................................$5.00 Automated Via Phone...............................................................$5.00 Returned Item Fee..................................................................$15.00 1 GECU Cashier’s Checks.....................................................$2.00 each Declaration of Loss on GECU Cashier’s Checks...............$25.00 each Money Orders......................................................................$2.00 each Return Check Charge (check returned unpaid)……..$15.00 per check Share or CD Account Statement Copy.....................$5.00 per account Share or CD Account History Copy over-the-counter or through GECU Call Center................................................$5.00 per account Research Fee...............................................................$20.00 per hour Notary of Acknowledgement............................$6.00 for first signature; $1.00 for each additional signature on same document Jurat.........................$6.00 per signature, including oath or affirmation Certified Copies.....................................................$6.00 per certificate All Other Notarial Acts.........................................................$6.00 each Copies of Notarial Records.............................50¢ per photocopy page Notary Services for Non-Member...........................No longer available Loan Documentary Fee..............................................................$35.00 Letters: Payoff, Payoff Confirmation, Home Equity Confirmation, Home Improvement Confirmation.............................................$5.00 Travel or Balance Letter...............................................................$2.00 Wire Transfers Domestic (Outgoing)...............................................................$15.00 Signature Guarantee....................................................................$5.00 Coin Count..............8% of total, no minimum; free for Youth Accounts Western Union Commercial Money Orders (CMOs): via Catalyst Corporate FCU (before 3:30 p.m., Mon Fri)......$12.50 via Western Union (3:30 p.m. – 5:00 p.m., Mon – Fri; 9:00 a.m. – 12:00 noon, Sat)..........Based on amount 2 TERMS AND CONDITIONS gecu.com Welcome to GECU. This brochure will acquaint you with the terms and conditions and, in some cases, the laws which apply to your account(s), and it is our intention to summarize the terms, conditions and laws as they will apply to your account(s).Throughout this Terms and Conditions, XQOHVV RWKHUZLVH VSHFL¿HG WKH ZRUGV ³ZH´ ³XV´ DQG ³&UHGLW 8QLRQ´ PHDQ *(&8 7KH ZRUGV ³\RX´ ³\RXU´ ³SDUW\´ DQG ³RZQHU´ PHDQ DQ\ and all persons or entities executing a signature card or account agreement in connection with any account with the Credit Union, any applicant for membership, any joint owner of an account, and any other person or entity authorized to use or having access to any such account. Credit Union accounts are subject to applicable federal regulations, all rules and regulations of the Credit Union Department of the State of Texas and the bylaws of this Credit Union as may now or hereafter apply to member accounts in the Credit Union. The Credit Union has the right to add to, change or delete these terms and conditions at any WLPHVXEMHFWWRVXFKQRWL¿FDWLRQDVPD\EHUHTXLUHG by applicable law. By receiving a copy of this and related brochures and by signing any signature card or account agreement(s) at the Credit Union, you are creating a contract between the Credit Union and yourself and agree to all the terms and conditions listed in the account agreement(s) and these brochures and any amendments or addendum which we may make to these agreements and brochures. 1 Table of Contents ACCOUNT OPTIONS ........................................................... 4 Single-Party Account ......................................................... 4 Joint Account with Right of Survivorship.......................... 4 Trusts ..................................................................................5 Convenience Account ........................................................5 Payable on Death (P.O.D.) Account Agreement ................ 6 &HUWLÀFDWHRI'HSRVLW7HUPVDQG&RQGLWLRQV ..................... 6 WIRE TRANSFERS, AUTOMATED CLEARING HOUSE (ACH) AND OTHER PAYMENT ORDER TRANSACTIONS .................................................................. 8 Governing Regulations ......................................................8 1RWLÀFDWLRQ ......................................................................... 8 3URYLVLRQDODQG)LQDO3D\PHQW .......................................... 8 ,GHQWLI\LQJ$FFRXQW1XPEHUV ............................................ 8 Interest Payable ..................................................................8 6HFXULW\3URFHGXUHV ............................................................ 8 Cutoff Times ......................................................................8 Stop Payment of Point-of-Purchase Debit Entries .............9 2YHUGUDIW6HUYLFHV .............................................................. 9 General ...............................................................................9 ELECTRONIC FUND TRANSFER SERVICES INITIAL DISCLOSURE ........................................................................ 9 Types of Available Transfers ..............................................9 Transfer Limitations .........................................................10 Member’s Liability........................................................... 10 )RU8QDXWKRUL]HG7UDQVDFWLRQV8VLQJ<RXU*(&8 'HELW&DUGRU<RXU$70&DUG .................................... 10 &RQWDFWLQ(YHQWRI8QDXWKRUL]HG7UDQVIHU ..................... 11 &UHGLW8QLRQ·V/LDELOLW\ ................................................... 12 2YHUGUDIW6HUYLFHV ............................................................ 12 Documentation .................................................................12 3UHDXWKRUL]HG3D\PHQWV ................................................... 12 <RXU*(&8'HELW&DUG7UDQVDFWLRQV .............................. 13 <RXU$70&DUG7UDQVDFWLRQV ........................................ 13 Fees ..........................................................................14 &RQÀGHQWLDOLW\ .......................................................... 14 In Case of Errors or Questions About Your Electronic Transfers: ........................................................................ 14 GECU DEBIT CARD & GECU ATM CARD AGREEMENT ...................................................................... 15 7HUPV8VHG,Q7KLV$JUHHPHQW ........................................ 15 ,VVXDQFHRIWKH&DUG ......................................................... 15 &DUG'HVLJQ2SWLRQV ........................................................ 16 Security Interest ...............................................................16 8VHRIWKH&DUG ...............................................................