Web Site Privacy Policy
Online Bill Pay Disclosure
HFS Online Banking Privacy Notice
Credit Card Schumer Box Disclosure

WEB SITE POLICY

Thank you for viewing our Web site. Citizens Credit Union is committed to protecting the privacy of our members and other users of our Web site. To that end, we have adopted the following privacy policy for our Web site:

General Web site pages: Visitors of Citizens' Web site will remain anonymous. We do not collect personal identifying information about visitors to our Web site. Our servers collect standard non-identifying information about visitors to the site, such as date and time visited. This information is used to compile standard statistics on site usage.

E-mail: Personal information contained in e-mail sent by members and non-members may be used by the credit union's staff to answer questions, to follow up on suggestions or complaints or to improve the level of service Citizens provides. Please be advised that we can not guarantee the security of e-mail messages against interception by unauthorized individuals. Therefore, you can also communicate to Citizens by telephone or mail:

Citizens Credit Union
435 South Westnedge
Kalamazoo, MI 49007
(269) 381-1938

Loan Applications: Our Web site will be checked every day that we are open for lobby business. The loan department will treat a loan application received via our website the same as a loan application taken via telephone or in person. Your loan application will be processed as soon as possible. If further information is necessary to complete your application you will be contacted. You will be contacted regarding the approval or denial of the application.

If you have any questions about Citizens Credit Union's Web site privacy policy, send an e-mail to mross@citizenscu.org

ONLINE BILL PAY DISCLOSURE

A.General Information About Bill Pay

I may use Bill Pay virtually any time, 24 hours a day, 7 days a week.However, Bill Pay may be temporarily unavailable due to Citizens Credit Union record updating. In addition, access to Bill Pay is made available pursuant to a license agreement by and between Citizens Credit Union and Online Resources & CommunicationsCorporation.Any interruption of service or access caused by Online Resources will also prevent my use of the service.To utilize the services, I will need to enter my assigned PIN or Service Password and otherwise satisfy the system's security procedures.

B.Transaction Procedures

Bill Payments and Transfers may be processed in three different transaction modes.They are as follows:

1."Today".  If I designate a payment or transfer as a "Today" transaction, the funds are immediately deducted from my designated account. "Today"  Bill Payments and Transfers may not be canceled for any reason once I have ended a Bill Pay session.

2."Future". If I designate a Bill Payment or Transfer as a "Future" transaction, I may request that the transaction be made on a future date that I may designate up to 364 days in advance of the Scheduled Initiation Date Sufficient funds must be available by midnight of the night before the Scheduled Initiation Date, but will be deducted from my designated account on the Scheduled Initiation Date. "Future" transactions may be canceled or changed until 12:00midnight of the night before the Scheduled Initiation Date.

3."Recurring". If I designate a Bill Payment or Transfer as a "Recurring" transaction, I may request, and the Citizens Credit Union will use, a Scheduled Initiation Date that reoccurs on a specified regular basis (i.e. weekly, bi-weekly, monthly, etc).I will designate a start and end date. Sufficient funds must be available by midnight of the night before the Scheduled Initiation Date, but will be deducted from my designated account on the Scheduled Initiation Date. "Recurring" transactions may be canceled or changed until 12:00midnight of the night before the Scheduled Initiation Date.

C. Bill Payments:

1.Account Designation and Payees. Bill Payments I make through Bill Pay will be deducted from my designated funding account.I may utilize Bill Pay service to make Bill Payments to a maximum of up to 250 payees. Any payee I wish to pay through Bill Pay must be payable in U.S. Dollars and located in the United States.Each payee must appear on the payee list I create with you and the account I am paying with must be in my name.I may not use Bill Pay to make payments to a federal, state or local governmental or tax unit, or to other categories of payee that you establish from time to time.

2.Processing.Funds will be taken out of my designated funding account on the Scheduled Initiation Date entered by me.In many cases, my Bill Payments are electronically delivered to the payee within two business days of the Scheduled Initiation Date.However, some payees are not set up to accept electronic payment.In these cases, a check will be sent, which may take five business days to process and deliver to the payee.Bill Pay provides an indication of how many days to allow for each payee I designate.

I must allow sufficient time (2 or 5 business days, as indicated) for Bill Pay to receive my request and process the Bill Payments so that the funds can be delivered to the payee before the payment due date, or for mortgage payments, on or before the due date (the due date shown on my invoice or provided in my agreement with the payee, not taking into account any grace period provided by the payee).If I do not allow sufficient time, I will assume full responsibility for all late fees, finance charges, or other actions taken by the payee.If I schedule my payment with sufficient time, and the payment was not received by the payee, or was received late, Bill Pay Customer Service will assume responsibility.Citizens Credit Union is responsible only for exercising ordinary care in making payments upon my authorization and for mailing or sending a payment to the designated payee. Citizens Credit Union is not liable in any way for damages I incur if I do not have sufficient funds in my account to make the payment on the processing date, if the estimate of time to allow for delivery to the payee is inaccurate, or due to delays in mail delivery, changes of merchant address or account number, the failure of any merchant to account correctly for or credit the payment in a timely manner, or for any other circumstances beyond the control of Citizens Credit Union.Bill Pay Customer Service will send an in-session e-mail on the Scheduled Initiation Date if a Bill Payment is not processed because there are insufficient funds available in my account. Citizens Credit Union is not responsible if Bill Pay customer service is unable to reach me, whether or not this is due to events beyond the control of Bill Pay customer service.Moreover, to take advantage of this service, I must keep Bill Pay Customer Service aware of any changes in my current e-mail address.If a Bill Payment is not processed because there are insufficient funds available in my account, another attempt will be made to deduct the funds from my account after one business day has elapsed.If there are still insufficient funds available in my account, I am responsible for either making alternate arrangements for the payment, or rescheduling the payment through Bill Pay.

D. Transfers

1. InterBank Transfers.Transfers between my account with Citizens Credit Union and account(s) held at other financial institutions (InterBank Transfers) are accomplished through an automated clearing house (ACH) debit against the account funds are being transferred from and an ACH credit to the account(s) funds are being transferred to.

a. Account Designation.In order to be accessible by Bill Pay, accounts maintained at the other financial institutions (foreign accounts) must be either a checking or a savings account and must be my accounts.I must provide the name of the financial institution, the account number, and a transit-routing number.

b. Funds Availability.Funds from InterBank transfers will be available for withdrawal in accordance with the funds availability policy of the institution(s) holding the account that received the funds.Generally, the account holding institution will receive the funds no later than four business days following the Scheduled Initiation Date.For Today InterBank Transfers made during a session, I must schedule the transaction as a Today InterBank Transfer before 3:00 p.m. on a Citizens Credit Union business day for the Schedule Initiation Date to be that day.Otherwise, Today InterBank Transfers scheduled after 3:00 p.m., or on a weekend or holiday will have a Scheduled Initiation Date of the following Citizens Credit Union business day.

c. Transfer Between Two Financial Institutions Other Than Citizens Credit Union.To Transfer funds between two financial institutions other than Citizens Credit Union, I must first Transfer funds from one institution into a designated funding account at Citizens Credit Union and then Transfer funds from my Citizens Credit Union designated funding account to the second institution.

2. IntraBank Transfers.

a. Funds Availability. Although I receive immediate provisional credit upon completion of my Bill Pay session for Today IntraBank transfers made during the session, I must make transfers before 3 p.m. on a banking day for those funds to be posted on an account that day and to be available for non-Bill Pay transactions.Transfers designated as Today transactions made after 3 p.m., or on a weekend or holiday, will be available for the payment of non-Bill Pay transactions on the following banking day. Today transfers cannot be canceled.

Transfers designated as Future or Recurring transactions will be processed by 10:00 A.M. of the Scheduled Initiation Date for provisional credit (i.e. for Bill Pay Bill Payments, and cash withdrawals at ATMs or banking centers), and will post and be available by the next banking day for payment of non-Bill Pay transactions.If the Scheduled Initiation Date falls on a weekend or holiday, the transfer will occur on the next banking day.Future-dated transfers may be changed or canceled until 12:00midnight of the night before the processing date.

E.Limitations on Services

1. Dollar Limitations. There is a dollar limit of $25,000 (or the available balance in my designated funding account).

2. Transfer Limitations.Except as provided herein, all Bill Payments and Transfers to and from an account are subject to the terms and conditions applicable to such account as set forth in the account agreement governing such account.With respect to interest bearing accounts, I may not make more that six transfers or withdrawals per month to another account of mine or to third parties, when these transfers are made by means of a preauthorized or automatic transfer, or telephonic agreement, order or instruction.

3. Available Funds Required.All Bill Payments and Transfers initiated through Bill Pay are subject to there being sufficient funds available in the affected account to cover the transfer on the Scheduled Initiation Date or earlier.

F.Stopping or Modifying Bill Pay Authorized Payments:

Payments designated as Today transactions cannot be stopped, canceled, or changed once my Bill Pay session is terminated.Except as stated below, in order to request a stop payment or change a Bill Pay transaction designated as Future or Recurring, I must use Bill Pay and follow the instructions provided to me.I must cancel the payment or transfer using Bill Pay by 12:00midnight of the day before the scheduled processing day. If I request a cancellation of a transaction as set forth above and you do not do so, you will be liable for the damages caused as explained in paragraph M.

G.Authorization To Charge Accounts.

I authorize you to charge my designated account(s) for any transactions accomplished through the use of Bill Pay, including the amount of any Bill Payment or Transfer that I make, and any charges for the service. I understand that in adding a payee or maintaining a payee list, even if no payments are scheduled, I am electing to use the full Home Banking and Bill Payment service and therefore may be charged accordingly. I authorize you to process Bill Payments and to transfer funds according to the instructions you receive if the instructions are received from me through Bill Pay.I authorize you to initiate any reversing entry or reversing file, and to debit my accounts at Citizens Credit Union or elsewhere, in order to correct any mistaken credit entry.I understand that if a Bill Payment or Transfer request describes the beneficiary inconsistently by name and account number, execution of the request will occur on the basis of the account number, even if it identifies a person different from the named beneficiary. Further, Citizens Credit Union and other financial institutions to which a Bill Payment or Transfer request is forwarded may rely on any Citizens Credit Union identification number supplied by me as a means to identify any other Citizens Credit Union, even if the identification number is different than the Citizens Credit Union named by me.My obligation to pay the amount of the Bill Payment or Transfer to Citizens Credit Union is not excused in such circumstances.

H.Account Information; Electronic Notice

I may check the balance(s) of the Citizens Credit Union accounts that are linked by access through Bill Pay.(NOTE: the balance figure may not reflect recent transactions, and may include funds which are not subject to immediate withdrawal.)I may get a listing of transactions posted to my primary checking account since my last monthly statement, and may get general account information for all accounts linked by access through Bill Pay.

I.Fees

1. Other Service Fees.See Schedule of Service Charges.

a) Monthly Service Fee.None.

b) Money HQ Next Day Transfer Fee.$7.95 will be automatically deducted from my primary checking account when making a next day transfer using Money HQ.

2.Applicable To All Fees and Charges

If I do not have sufficient funds in my account on the date the fee or charge is payable, I authorize you to automatically deduct the payment from my account as soon as funds are available.

J.Security Procedures.

A Service Password will be issued to me for security purposes. I understand that this password will be used only the first time I access the service, when I then will define a new, permanent Service Password.The Service Password is confidential and should not be disclosed to third parties.I am responsible for the safekeeping of the Service Password.I agree not to disclose or otherwise make the Service Password available to anyone not authorized to sign on my accounts.

I represent that I have considered the security procedures of the Bill Pay services and find that the security procedures are commercially reasonable for verifying that a Bill Payment, Transfer or other communication purporting to have been issued by me is, in fact, mine.In reaching this determination, I have considered the size, type and frequency of Bill Payments, Transfers or other communications that I anticipate issuing to Citizens Credit Union.

If the Bill Pay security procedures are not, in my judgment, commercially reasonable, I must inform you within 30 days.In the size, type and frequency on my Bill Payments and Transfers change, and the result is that the Bill Pay security procedures cease to be commercially reasonable, I must also inform you of this within 30 days.

K.Liability for Unauthorized Use:

I will notify you immediately if I believe that my Service Password has become known to an unauthorized person,.Telephoning is the best way of keeping my possible losses to a minimum.If I suggest that an unauthorized transfer or payment may have occurred, you may require me to sign an affidavit. I could lose all the money in my deposit account(s) accessed through Bill Pay (plus my maximum overdraft line of credit, if any) if I don't inform you that my Service Password has become known to an unauthorized person.If I tell you within two business days after I learn of the loss or theft, I can lose no more than $50.00 if an unauthorized person used my Service Password to access Bill Pay without my permission.If I do not tell you within two banking days after I have learned that my Service Password has become known to an unauthorized person, and you can prove that I could have stopped someone from using my Service Password without my permission if I had told you, I could be liable for as much as $500.00.Also, if my statement shows electronic funds transfers that I did not make, I will notify you immediately.You may require me to provide my complaint in the form of affidavit. If I do not tell you within 60 days after the statement was mailed to me, I may not get back any money I lost after the 60 days if you can prove that you could have stopped someone from taking the money if I had told you in time.

If a good reason (such as a long trip or a hospital stay) kept me from telling you, you will extend the time periods.

L.Notification of unauthorized transaction or a lost or stolen access device

If I believe my Service Password has become known by an unauthorized person, or that someone has transferred money or made payments without my permission, I will call the Bill Pay Customer Service at 1-888-276-8104.

M.Liability for Failure To Make Payments:

If you do not send a payment or make a transfer on time, or in the correct amount according to my instructionsgiven in accordance with this Agreement and Disclosure, you will be liable for damages caused. However, there are some exceptions.You will not be liable, for instance, if:

1) through no fault of yours, my designated funding account does not contain sufficient funds to make the payment or transfer.

2) the payment or transfer would go over the credit limit on my overdraft line of credit.

3) the equipment, ATM network, phone lines, or computer systems were not working properly or were temporarily unavailable.

4) circumstances beyond your scope of control, such as fire or flood, prevented the payment or transfer, despite reasonable precautions that you have taken.

5) a court order or legal process prevents you from making a transfer or payment.

6) I have previously reported my ATM card lost or stolen, or if you have a reasonable basis for believing that unauthorized use of my PIN, Service Password, or designated account have occurred or may be occurring or if I default under any agreement with you or if you or I terminate this Agreement.

7) the payee does not process a payment correctly, or in a timely manner.

There may be other exceptions stated in your agreement with me.If any of the circumstances listed in subparagraph 3) or 4) shall occur, you shall assist me with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct transactions that have incorrectly been processed.

N.Errors or Questions:

I will telephone you at 1-888-276-8104 or write Citizens Credit Union, Attention: Member Services, 435 S. Westnedge Ave., Kalamazoo, MI 49007 as soon as I can, if I think my statement or receipt is wrong or if I need more information about a Bill Payment or Transfer listed on the statement or receipt.You must hear from me no later than 60 days after you send the statement on which the problem or error appeared.A statement is considered to have been sent when it is first made available. I must:

1. Tell you my name and account number

2. Describe the error or payment I am unsure about, and explain as clearly as I can why I believe it is an error or why I need information.

3. Tell you the dollar amount of the suspected error.

If I tell you verbally, you may require that I send my complaint or question in writing within ten business days.You may require me to provide my complaint in the form of an affidavit.You will inform me of the results of your investigation within ten business days (20 business days if the suspected error occurred outside the United States or if it occurred at a merchant location for the purchase of goods and services) after you hear from me and will correct any error promptly.If you need more time, however, you may take up to 45 calendar days (90 days if outside the United States or if it occurred at a merchant location for the purchase of goods or services) to investigate my complaint or question.If you decide to do this, you will recredit my account within ten business days (20 business days if the suspected error occurred outside the United States or if it occurred at a merchant location for the purchase of goods or services) for the amount I think is in error, so that I will have the use of my money during the time it takes you to complete your investigation.If you ask me to put my complaint or question in writing and you do not receive it within ten days, you may not recredit my account.If you determine that there is no error, you will send me a written explanation within three business days after you finish your investigation.I may ask for copies of the documents that you used in your investigation.

O. Account Information Disclosure:

You will disclose information to third parties about my account and the payments or transfers I make:

1) when it is necessary for verifying or completing payments or transfers, or resolving a problem relating to a payment or transfer;

2) in order to verify the existence and the condition of my account for a third party, such as a credit bureau or merchant;

3) in order to comply with government agency or court orders;

4) as otherwise permitted in Citizens Credit Union's Deposit Agreement and Disclosures, as required by law, or as required by government regulations.

P. Documentation And Verification of Payments and Transfers:

1. Confirmation Numbers

Upon completion of a transaction using Bill Pay, a confirmation number will be given.I should record this number, along with the payee, scheduled date and transaction amount in my checkbook register (or other permanent record), because this will help in resolving any problems that may occur.No printed receipts are issued through Bill Pay.

2. Periodic Statements

Information concerning Bill Pay transactions will be shown on my normal statement for the account to and from which transfers or payments are made. I will get a statement monthly.

Q. Other Conditions:

I am responsible for complying with all terms of this Agreement and Disclosure and the regulations governing the deposit accounts which I access using Bill Pay.You can terminate my Bill Pay privileges without notice to me if I do not pay any fee required in this Agreement and Disclosure when due or if I do not comply with those agreements.The regulations governing my deposit account are set forth in your Deposit Agreement and Disclosures, a copy of which is available from any branch location.

R.Change In Terms

We will mail or deliver a written notice to you at least 30 days before the effective date of any change in a term or condition disclosed in this Agreement and Disclosure, if the change would result in increased fees or charges, increased liability for me, fewer types of available electronic fund transfers or stricter limitations on the frequency or dollar amounts of transfers, unless prior notice is excused by law.

S.Schedule of Service Charges

Stop payment $20.00

Copy of a check used to pay a bill $7.50

Next day money transfer $7.95 (no charge for regular 2-day ACH transfers)

Money HQ transfers 3 free per month, each additional is $1.50

* Per item transaction fees may be charged for excess debit transactions on selected checking and savings account(s).Please refer to the Citizens Credit Union's Personal Accounts and Service Schedule of Fees for per-item fees on selected checking or savings accounts.

SUMMARY OF TERMS
APR for Purchases	9.90%* VISA Gold 13.92%* MasterCard
APR for Cash Advances & Balance Transfers	9.90%* VISA Gold 13.92%* MasterCard
Annual Fee	None
Grace Period	25 Days
Balance Calculation Method for Purchases	Average Daily Balance (including new purchases)
Late Payment Fee	$20.00
Over Limit Fee	$20.00