TERMS AND CONDITIONS
OF YOUR ACCOUNT

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

AGREEMENT - This document, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us. Please read this carefully. If you sign the signature card or open or continue to have your account with us, you agree to these rules. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this document. If you have any questions, please call us.

This agreement is subject to applicable federal laws and the laws of the state of Massachusetts (except to the extent that this agreement can and does vary such rules or laws). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this document is to:

summarize some laws that apply to common transactions;
establish rules to cover transactions or events which the law does not regulate;
establish rules for certain transactions or events which the law regulates but permits variation by agreement; and
give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

If any provision of this document is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.

As used in this document the words "we," "our," and "us" mean the financial institution and the words "you" and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. The headings in this document are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular.

BYLAWS - Our bylaws, which we may amend from time to time, establish basic rules about our credit union policies and operations which affect your account and membership. You may obtain a copy of the bylaws on request. Our right to require you to give us notice of your intention to withdraw funds from your account is described in the bylaws. Unless we have agreed otherwise, you are not entitled to receive any original item after it is paid, although you may request that we send you an item(s) or a copy of an item(s). Dividends are based on current earnings and available earnings of the credit union, after providing for required reserves.

LIABILITY - You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges. You authorize us to deduct these charges directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. This includes liability for our costs to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees.

DEPOSITS - We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn "on us"). Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transactions received after our "daily cutoff time" on a business day we are open, or received on a day we are not open for business, as if initiated on the next following business day that we are open.

WITHDRAWALS - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs in the space designated for signatures on the signature card may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person signing the signature card to indorse any item payable to you or your order for deposit to this account or any other transaction with us. We may charge your account for a check even though payment was made before the date of the check, unless we have received written notice of the postdating in time to have a reasonable opportunity to act. We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing the account. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal.

AVAILABLE BALANCES - As a courtesy to our Members, all Checking account products accessed by paper check or electronic means (i.e., ACH or point-of-sale) will be extended an overdraft service. Our policy limits the dollar amount we will make available to your account for overdraft purposes and is subject to change. Please contact Member Services for current policy limits placed on overdrawn items. The criteria used to determine eligibility for our overdraft service are as follows:

You must be a Member of the Credit Union in good standing for at least the last six months.
Past and/or current Loans must be current and reflect a satisfactory record of payments.
The Checking account must be open and active.
The overdraft will not exceed our established policy overdraft limit per account. Overdrafts that exceed limits will be returned or declined for insufficient funds. (Contact Member Services for our current overdraft limit.)
You agree to bring the account to a positive balance no more than 7 calendar days after the first transaction that creates a negative balance on your account.
All other debts arising from transactions related to this or other accounts have been satisfied (i.e., returned deposited items, liens, levies, etc.)
If you use this service, you agree to pay the overdraft charge on each overdraft item. See our Service Fees disclosure for further information.
Recipients of directly deposited Social Security benefits to this Checking account have NOT given us prior notice to exclude those deposited benefits from covering overdrafts posted to the account.

If you do not meet these conditions or you abuse this privilege, we may withhold or terminate the overdraft service privilege. We will tell you in writing if we limit, suspend or terminate this service. We will also notify you in writing when your overdrawn items have been paid or returned. Any transaction that is presented to us for payment that causes an overdrawn balance will incur an overdraft charge as stated in our Service Fee disclosure, regardless of the final pay/return status of the item. Card transactions declined at the Point of Sale/Purchase will not incur an overdraft charge. All accounts that remain in a negative position for a minimum of 30 calendar days are subject to closing by the Credit Union. Any loss incurred by the Credit Union as a result of the account closing will be reported to Chex Systems, Inc. Derogatory information reported to Chex Systems, Inc. may prevent you from establishing an account at another financial institution.

CASH BACK REWARDS - Each time you choose a non-pinned debit card transaction using your Visa® Check Card from First Citizens' Federal Credit Union (excluding HSA Visa Check Cards), you will receive a Cash Back Reward. The Reward will be posted to your First Citizens' checking account (excluding HSA checking accounts) on a quarterly basis following the March, June, September and December statement cycles. For each qualifying dollar posted to your card related checking account, you will receive a Cash Back Reward of .003. You can earn up to a maximum limit of $75 for each quarter we post a Reward to your checking account. To be eligible for this Program, you must enroll by completing and returning the Cash Back Rewards Program form to First Citizens'. This program is free. New checking accounts opened with a First Citizens' Visa ® Check Card beginning 01/01/07 will be automatically enrolled in the First Citizens' Cash Back Rewards Program. Program and rewards are subject to change or may be terminated at the discretion of First Citizens' Federal Credit Union.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds.

Individual Account - is an account in the name of one person.

Joint Account - With Survivorship (And Not As Tenants In Common) - is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.

Joint Account - No Survivorship (As Tenants In Common) - is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal.

Revocable Trust Account - One or two of you (called trustees) may create such an account in trust for another. Payments may be made to the trustee, or if there are two trustees, to either or both of the trustees or the survivor. Upon the death of the trustee or the death of both trustees, payment may be made to the person for whom the trust was made, or that person's legal representative.

BUSINESS ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity.

STOP PAYMENTS - You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee.

You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A release of the stop-payment request may be made only by the person who initiated the stop-payment order.

Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item).

TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of "preauthorized transfers" during the month). Other account transfer restrictions may be described elsewhere.

AMENDMENTS AND TERMINATION - We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. At our option, we may suspend your rights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. Notice from us to any one of you is notice to all of you.

STATEMENTS - You must examine your statement of account with "reasonable promptness." If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer.

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you.

You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.

ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.

DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.

TEMPORARY ACCOUNT AGREEMENT - If this option is selected, this is a temporary account agreement. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

RIGHT TO REPAYMENT OF INDEBTEDNESS - You each agree that we may (without prior notice and when permitted by law) charge against and deduct from this account any due and payable debt owed to us now or in the future, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw. If the debt arises from a note, "any due and payable debt" includes the total amount of which we are entitled to demand payment under the terms of the note at the time we charge the account, including any balance the due date for which we properly accelerate under the note.

In addition to these contract rights, we may also have rights under a "statutory lien." A "lien" on property is a creditor's right to obtain ownership of the property in the event a debtor defaults on a debt. A "statutory lien" is one created by federal or state statute. If federal or state law provides us with a statutory lien, then we are authorized to apply, without prior notice, your shares and dividends to any debt you owe us, in accord with the statutory lien.

Neither our contract rights nor rights under a statutory lien apply to this account if: (a) it is an Individual Retirement Account or other tax-deferred retirement account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtor's right of withdrawal arises only in a representative capacity. We will not be liable for the dishonor of any check or draft when the dishonor occurs because we charge and deduct an amount you owe us from your account. You agree to hold us harmless from any claim arising as a result of our exercise of our right to repayment.

AUTHORIZED SIGNER (Individual Accounts only) - A single individual is the owner. The authorized signer is merely designated to conduct transactions on the owner's behalf. We undertake no obligation to monitor transactions to determine that they are on the owner's behalf.

RESTRICTIVE LEGENDS - We are not required to honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of restrictive legends are "must be presented within 90 days" or "not valid for more than $1,000.00."

PAYMENT ORDER OF ITEMS - The law permits us to pay items (such as checks, drafts, check images, preauthorized debits, POS, etc.) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items drawn on your account. Our policy is to pay online transactions such as teller transactions, ATM withdrawals, ACH debits and Point of Sale (POS) transactions within time order as they are presented in real time to the account. Offline transactions such as paper checks/drafts presented to the Credit Union from the Federal Reserve or its representatives will be posted from smallest to largest amounts following the posting of online transactions. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy minimizes the number of items that may result in an overdraft or NSF fee. If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere. We encourage you to keep careful records and practice good account management. This will help you to avoid authorizing checks, drafts or electronic debits without sufficient funds and incurring the resulting fees.

CREDIT VERIFICATION - You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report by a credit reporting agency.

PLEDGES - Unless we agree otherwise in writing, each owner of this account may pledge all or any part of the funds in it for any purpose to which we agree. Any pledge of this account must first be satisfied before the rights of any surviving account owner or account beneficiary become effective.

ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and the party originating such payment will not be considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.

FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us regardless of by whom or by what means the facsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, and contain the required number of signatures for this purpose.

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ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

Preauthorized credits. You may make arrangements for certain direct deposits (such as Social Security or payroll) to be accepted into your checking or statement savings account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or statement savings account(s). For statement savings accounts, regulation limits specific types of withdrawals from Savings accounts. During any month, you may not make more than six withdrawals or transfers from your Regular Share or Money Market account(s) to another credit union account of yours or to a third party by means of a preauthorized, automatic or computer transfer, or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills.
Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check or draft is returned for insufficient funds.

TELEPHONE TRANSFERS

"Direct Access" Account Information Center - types of transfers - You may access your account by telephone 24 hours a day at (508) 979-4747 or 800-991-4296 using your personal identification number (PIN), a touch tone phone, and your account numbers, to:

transfer funds from checking to checking
transfer funds from checking to statement savings
transfer funds from statement savings to checking
transfer funds from statement savings to statement savings
make payments from checking to loan accounts with us
make payments from statement savings to loan accounts with us
get information about:
- the account balance from checking accounts
- the last ten deposits to checking accounts
- the last ten withdrawals from checking accounts
- the last ten checks that have cleared your checking account
- the account balance of statement savings accounts
- the last ten deposits to statement savings accounts
- the last ten withdrawals from statement savings accounts

This service is not available for 30 days. After that time, any limits disclosed to you will apply.

"CARD" ACCESS INFORMATION

If you request a First Citizens' Federal Credit Union ATM Card or Visa® CheckCard "Debit Card", this Electronic Fund Transfers disclosure explains the services available to you and sets forth your rights and responsibilities in connection with the use of a Card. The initial use of the Card by you with a PIN issued to you or chosen by you constitutes a legally binding contract that you agree to comply with the terms of Card usage and/or limitations of the Card outlined in this disclosure.

Your Option to Limit Cash Withdrawals - In addition to dollar amount limitations for withdrawals using your ATM Card or VISA® CheckCard and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or VISA® CheckCard and/or code to $50.00 per day or some other amount acceptable to us.

ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM Card and PIN or Visa® CheckCard and PIN, to:

make deposits to checking account(s) only at ATMs we own or operate
make deposits to statement savings account(s) only at ATMs we own or operate
get cash withdrawals from checking account(s)
- you may withdraw no more than your $200.00 daily limit with an ATM Card
- you may withdraw no more than your $500.00 daily limit with a Visa® CheckCard
get cash withdrawals from statement savings account(s)
- you may withdraw no more than your $200.00 daily limit with an ATM Card
- you may withdraw no more than your $500.00 daily limit with a Visa® CheckCard
transfer funds from checking to statement savings account(s)
transfer funds from statement savings to checking account(s)
get information about:
- the account balance of your checking account(s)
- the account balance of your statement savings account(s)

Some of these services may not be available at all terminals.

ATM TRANSACTIONS

Your ATM Card allows you to access the NYCE® and Cirrus® banking terminals. Your Visa® CheckCard allows you to access the NYCE®, Cirrus® and Visa® banking terminals. Other networks may be added from time to time. There are electronic banking terminals throughout the US and worldwide which are authorized to accept your Card to the extent permitted by the Networks and applicable law.

You can use your Card to access your designated statement savings or checking accounts. You will be able to:

Withdraw Cash
Make Deposits at First Citizens' Federal Credit Union ATMs
Transfer funds between your designated accounts at First Citizens' Federal Credit Union ATMs
Determine your balance

Types of ATM Card Point-of-Sale Transactions - You may access your checking account to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution.

Point-of-Sale Transactions - dollar limitations - Using your ATM Card you may not exceed your $200.00 daily withdrawal limit.

Types of Visa® CheckCard Point-of-Sale Transactions - You may access your checking account to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions - dollar limitations - Using your Visa® CheckCard you may not exceed your $500.00 daily withdrawal limit.

VISA® CHECKCARD "DEBIT CARD"

The Card can be used to accomplish transactions involving your checking account. Your statement savings may be added to the Card for transactions involving the ATM.

SERVICES THAT ARE PROHIBITED ON A VISA® CHECKCARD "DEBIT CARD"

Your Card and/or Account may not be used for any illegal activity or transaction. Further, you may not utilize your Card and/or Account for the purchase of any goods or services on the Internet that involve gambling of any sort. Such transactions include, but may not be limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gambling chips or off-track betting or wagering. However, in the event that a charge is approved and processed, you will be responsible for such charges.

Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN.

The non-Visa debit network(s) for which such transactions are enabled are: NYCE Network.

Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.

The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

*Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

SERVICES AVAILABLE FOR THE VISA® CHECKCARD "DEBIT CARD"

Visa® CheckCard Purchases
You can use your Card to make purchases, directly from your checking account, at any Visa® Card merchant. You may be required to sign a sales slip (as opposed to entering your PIN) for the transaction.
CARD
The Card cannot be used for POS transactions until it is activated. In order to activate the Card, you must call toll-free 1-800-708-7119 or perform an ATM PIN based transaction. Your Card, together with your PIN can be used at all ATMs and POS terminals that accept it. Your PIN has been confidentially chosen and must not be shared with anyone. Do not write your PIN on your Card or on anything you carry with you.
Foreign Exchange
If you use your Card in a foreign country, the amount will be converted to US dollars at the rate that exists on the date of exchange at the major financial market nearest to the place where the exchange is made. We do not control the exchange rate or date or place of exchange.
Limitations
You may withdraw cash at any ATM from your checking or statement savings account up to the amount of your available balance or your daily withdrawal limit, whichever is less.
You may make a deposit to any account linked to the Card at any First Citizens' Federal Credit Union ATMs where depository option is available.
We may restrict access to your accounts if we notice abusive use of the Card. Failure to use the Card properly may result in transferring the Visa® CheckCard "Debit Card" to a First Citizens' ATM Card or prohibiting any electronic access to your accounts.

Additional Information on POS Transactions and Limitations

Merchant Purchase
If you qualify for a First Citizens' Visa® CheckCard, you can use your Card and signature to pay for goods and services at locations displaying the Visa® symbol.
Your rights relating to refunds and returned merchandise are the same as when you pay with cash or check. You must resolve issues of this type directly with the merchant. It is the merchant's own policy on refunds and returns that govern these transactions.
If your Visa® CheckCard is used to make a purchase, you are requesting us to withdraw funds from your primary designated checking or NOW account to pay for the purchase. If your Visa® CheckCard is used for a purchase we will place a hold on the funds available in your account to cover the transaction until the purchase amount is debited to your account. Held funds will not be available for withdrawal during the period that the hold is in effect. However, in accordance with VISA Rules, your funds will be released after 3 business days regardless of the actual posting status of the pre-approved transaction to your account. The merchant may take up to 120 days to post the completed transaction to your account.
Limitations
You may use your Card to make purchases from your checking account any number of times each day up to your available balance or your daily point-of-sale (POS) limit of $500.00, whichever is less.
Each time you use your Card to make a purchase, your checking account will be debited for the amount of the purchase. We may, but do not have to allow purchases which exceed your available deposit balance. If we do, you agree to pay any overdraft. See Terms and Conditions disclosure for available balance details.

This service is not available for 30 days. After that time, any limits disclosed to you will apply.

HEALTH SAVINGS ACCOUNTS (HSA'S)

We permit some electronic fund transfers to and/or from your HSA. The electronic fund transfers we permit are offered for the convenience of managing your HSA. However, electronically moving funds to or from your HSA - for example, depositing more than the allowable amount, or getting additional cash back on an HSA debit card transaction - can raise a variety of tax concerns. As a result, before electronically accessing any account you may have with us, it is a good practice to make sure you are using the correct access device (such as a card) or accessing the appropriate account for the transaction. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. In the event of a conflict, the terms of the HSA Agreement control. You understand that your HSA is intended to be used for payment of qualified medical expenses. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. We do not monitor the purpose of any transaction to or from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the use of your HSA.

TERMINATION

You may terminate the electronic fund transfer agreement by written notice.
We may terminate the electronic fund transfer agreement by written notice.

MINIMUM ACCOUNT BALANCE

We do not require you to maintain a minimum balance in any account as a condition of using an access device (card or code) to accomplish a transfer.

FEES

We do not charge for direct deposits to any type of account.
We do not charge for preauthorized payments from any type of account.
Refer to the schedule of fees and charges brochure for a description of the fees that may be assessed against your account.

ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION

Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or third party point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.
Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 1-800-991-4296 to find out whether or not the deposit has been made.
Periodic statements.
You will get a monthly account statement from us for your checking and/or statement savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.
In lieu of a periodic statement, a passbook account, which may not be accessed by electronic fund transfers other than preauthorized electronic funds transfers crediting the account, upon presentation of the passbook, will be updated with the amount(s) and date(s) of each such transfer(s) involving the account since the passbook was last presented.

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our fee schedule for the amount we will charge you for each stop-payment order you give.
Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

ADDITIONAL INFORMATION REQUIRED
BY MASSACHUSETTS LAW

Any documentation provided to you which indicates that an electronic fund transfer was made to another person shall be admissible as evidence of the transfer and shall constitute prima facie-proof that the transfer was made.
The initiation by you of certain electronic fund transfers from your account will, except as otherwise provided in the agreement, effectively eliminate your ability to stop payment of the transfer.

Unless otherwise provided in this agreement, you (the consumer) may not stop payment of electronic fund transfers, therefore you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.

FINANCIAL INSTITUTION'S 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, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have available funds in your account to make the transfer.
If you have an overdraft line and the transfer would go over the credit limit.
If the automated teller machine where you are making the transfer does not have enough cash.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
If the funds are subject to legal process or other encumbrance restricting such transfer.
There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY

In order that your privacy may be protected, we will not disclose any information about you or your account to any person, organization, or agency except:

for certain routine disclosures necessary for the completion of a transfer; or
for verification of the existence and condition of your account for a credit bureau or merchant; or
to persons authorized by law in the course of their official duties; or
to our employees, auditors, service providers, attorneys or collection agents in the course of their duties; or
pursuant to a court order or lawful subpoena; or
to a consumer reporting agency as defined in Chapter 93 of Massachusetts General Laws; or
by your written authorization which shall automatically expire 45 days after our receipt of your authorization; or
as explained in the separate Privacy Disclosure.

If an unauthorized disclosure has been made, we must inform you of the particulars of the disclosure within 3 days after we have discovered that an unauthorized disclosure has occurred.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

• Generally. Tell us AT ONCE if you think your card and/or code has been lost, stolen, used without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. Telephoning is the best way, if any, of minimizing your possible losses. You can lose no more than $50 if you fail to give us notice of your lost or stolen card and/or code and your card and/or code is used without your permission.

• Additional Limit on Liability for VISA® CheckCard. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA® CheckCard. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by VISA®.

(b) Contact in event of unauthorized transfer. If you think your card and/or code has been lost, stolen or that someone has transferred or may transfer money from your account without your permission, for example, by using the information from your check or draft, call or write us at the telephone number or address listed in this brochure.

PROTECTED CONSUMER USE

Chapter 167B of the Massachusetts General Laws was enacted to provide a means for financial institutions, businesses, and consumers to conduct their business relations more conveniently. Transferring funds electronically will supplement the use of checks, credit, and cash and will not replace these present methods of doing business. As a consumer, you should be aware of your rights if you choose to utilize this system.

Prohibition of compulsory use. No person may:
-require you to use a preauthorized electronic fund transfer as a condition of the extension of credit unless the credit is being extended in connection with an overdraft checking plan, or is being extended to maintain a specified balance in your account, or
-require you either to accept a transfer service or to establish an account which is accessed electronically as conditions of employment or receipt of governmental benefit, or
-require you to pay electronically for the purchase of goods or services.
If your account is to be credited by a preauthorized transfer you may choose the financial institution to which the transfer may be made, if the institution is technically capable of receiving such preauthorized transfer.
Waiver of rights. No writing or agreement signed by you can waive the rights conferred to you by Chapter 167B of the Massachusetts General Laws unless you decide to waive these rights in settlement of a dispute or action.
Refunds. If it is the policy of a store or retail business to give cash refunds in return for an item purchased by cash, then this policy must also cover refunds for items purchased by electronic fund transfer unless it is clearly disclosed at the time the transaction is consummated that no cash or credit refunds are given for payments made by electronic fund transfers.
Suspension of obligations. If a person agrees to accept payment by means of an electronic fund transfer and the system malfunctions preventing such a transfer, then the consumer's obligation is suspended until the transfer can be completed, unless that person, in writing, demands payment by other means.
Prohibited means of identification. Your Social Security number cannot be used as the primary identification number although it can be used as secondary aid to identify you.
Criminal liability. Procuring or using a card, code or other means of electronic access to an account with the intent to defraud is a basis for criminal liability.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers Telephone us at (800) 642-7515 (Monday through Friday), Write us at 200 Mill Rd., Suite 100, Fairhaven, MA 02719 or E-mail us at info@firstcitizens.org, as soon as you can, if you think your statement, passbook or receipt is wrong or if you need more information about a transfer listed on the statement, passbook or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared or, if the only transfer possible is a direct deposit to your passbook account, no later than 60 days after the problem or error was FIRST reflected in your passbook or statement.

Tell us your name and account number (if any).
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for VISA® CheckCard point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA® CheckCard point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

FIRST CITIZENS' FEDERAL CREDIT UNION
SUPPORT SERVICES DEPARTMENT
200 MILL ROAD, SUITE 100
FAIRHAVEN, MA 02719
Business Days: Monday through Friday
Business Hours:
Monday, Tuesday, Wednesday - 8:30 A.M. - 4:00 P.M.
Thursday and Friday - 8:30 A.M. - 5:00 P.M.
Excluding Federal Holidays
Phone: 508-999-1341
For other branch hours call 1-800-642-7515

MORE DETAILED INFORMATION IS AVAILABLE
ON REQUEST

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YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to "transaction" accounts and share savings accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Share draft accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If you make a deposit at an ATM before 2:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 2:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

LONGER DELAYS MAY APPLY

Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The first $100 of your deposits, however, may be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.

You deposit checks totaling more than $5,000 on any one day.

You redeposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the last six months.

There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the ninth business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new member, the following special rules may apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, U.S. Postal Money Orders, Federal Reserve Checks, Federal Home Loan Bank Checks, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available by the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available by the fifth business day after the day of your deposit.

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TRUTH-IN-SAVINGS DISCLOSURE

REGULAR SAVINGS ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $1.00.

You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue no later than the business day we receive provisional credit for the placement of noncash items (for example, checks) to your account.

Transaction limitations:

You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.

Par value of a share:

The par value of a share in this account is $1.00.

STATEMENT SAVINGS ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $1.00.

You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

The maximum ATM withdrawals may not exceed your daily ATM/Debit Card limit. This withdrawal limitation is imposed per Card, which may be combined with your Checking account.

During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

An ATM transaction fee (Card Activity Charges) will be charged for all foreign (non-First Citizens') withdrawals and balance inquiries during the statement cycle. Please refer to our separate fee schedule for charges.

HERO SAVINGS ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

You must maintain a minimum daily balance of $1.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

The maximum ATM withdrawals may not exceed your daily ATM/Debit Card limit. This withdrawal limitation is imposed per Card, which may be combined with your Checking account.

Par value of a share:

The par value of a share in this account is $1.00.

1ST PLACE MONEY MARKET STATEMENT ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $15,000.00.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

The maximum ATM withdrawals may not exceed your daily ATM/Debit Card limit. This withdrawal limitation is imposed per Card, which may be combined with your Checking account.

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

ELITE CHOICE MONEY MARKET STATEMENT SAVINGS ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $2,500.00. You must also maintain a Checking Account with Direct Deposit. If you do not maintain a Checking Account with Direct Deposit, we will transfer this account to our Regular Money Market Statement Account, which will earn a lower dividend.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

The maximum ATM withdrawals may not exceed your daily ATM/Debit Card limit. This withdrawal limitation is imposed per Card, which may be combined with your Checking account.

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

An ATM transaction fee (Card Activity Charges) will be charged for all foreign (non-First Citizens') ATM balance inquiries during the statement cycle. Please refer to our separate fee schedule for charges.

NOW CHECKING ACCOUNT
(SHARE DRAFT)

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

With Direct Deposit, there is no minimum balance requirement.

Without Direct Deposit, you must maintain a daily balance of $500.00 in your account to avoid a below minimum balance fee. If, during the month, your account balance falls below the required minimum daily balance, your account will be subject to a below minimum balance fee of $7.00 for the month.

You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

The maximum ATM and Point of Sale ("POS") withdrawals may not exceed your daily ATM/Debit Card limit. This withdrawal limitation is imposed per Card, which may be combined with your Statement Savings account.

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

A servicing account charge fee of $7.00 will be charged each month if you do not maintain a $500.00 daily balance. This fee will not apply if the account holder is credited with direct deposit.

BASIC CHECKING ACCOUNT
(SHARE DRAFT)

Minimum balance requirements:

No minimum balance requirements apply to this account.

Transaction limitations:

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

SELECT CHECKING ACCOUNT
(SHARE DRAFT)

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

Minimum balance requirements:

A below minimum balance fee of $10.00 will be imposed each month that the combined balances of a combination of Checking, Savings, IRAs, and Certificates of Deposit falls below $5,000.00 any day of the statement period.

You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

A servicing account charge fee of $10.00 will be charged each month if you do not maintain a combined daily balance of $5,000.00 in your Savings account products.

DIRECT BONUS CHECKING ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

There is no minimum balance requirement to open a Direct Bonus Checking Account.

You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

Bonus Payment Requirements:

You must have Direct Deposit into your checking account and maintain a $1,000.00 daily balance in a Statement Savings Account in order to receive your monthly Bonus Payment. Term Certificates and Club Accounts are not considered Statement Savings Accounts. The Bonus Payment will be paid to you monthly on your statement cycle date.

If you do not continue to have Direct Deposit into your checking account and/or your Statement Savings Account falls below the minimum daily balance requirement, you will not earn the monthly Bonus Payment. If you stop your Direct Deposit into your Bonus Checking Account we may switch your checking account to our Basic Checking Account product.

The amount of your Bonus Payment is 1.00% of your Direct Deposit amount, which will be capped at $10.00 each month. You must also maintain the daily minimum balance in your Statement Savings Account to receive this Bonus Payment.

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

HERO CHECKING ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

Optional Bonus Payment Requirements:

You must have Direct Deposit into your checking account and maintain a $100.00 daily balance in a Hero Savings Account in order to receive your monthly Bonus Payment. The Bonus Payment will be paid to you monthly on your statement cycle date.

If you do not continue to have Direct Deposit into your Hero Checking Account and/or your Hero Savings Account falls below the minimum daily balance requirement, you will not earn the monthly Bonus Payment.

The amount of your Bonus Payment is 1.00% of your Direct Deposit amount, which will be capped at $10.00 each month. You must also maintain the daily minimum balance in your Hero Savings Account to receive this Bonus Payment.

Par value of a share:

The par value of a share in this account is $1.00.

18/59 CHECKING ACCOUNT
(SHARE DRAFT)

Minimum balance requirements:

No minimum balance requirements apply to this account.

Transaction limitations:

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

1ST PLACE CHECKING ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $15,000.00.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

ELITE CHOICE CHECKING ACCOUNT
(SHARE DRAFT)

Minimum balance requirements:

No minimum balance requirements apply to this account.

Transaction limitations:

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

HSA CHECKING ACCOUNT
(SHARE DRAFT)

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

There is no minimum balance requirement to open an HSA Checking Account.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

The maximum ATM and Point of Sale ("POS") withdrawals may not exceed your daily ATM/Debit Card limit.

Par value of a share:

The par value of a share in this account is $1.00.

Fees and charges:

CHRISTMAS CLUB ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will not be compounded. Dividends will be credited to your account annually.

Dividend period - For this account type, the dividend period is annual, for example, the beginning date of the first dividend period of the calendar year is October 1, and the ending date of such dividend period is September 30 of the following year. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is September 30.

If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $5.00.

You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

The maximum ATM withdrawals may not exceed your daily ATM/Debit Card limit. This withdrawal limitation is imposed per Card, which may be combined with your Checking account.

Par value of a share:

The par value of a share in this account is $1.00.

VACATION CLUB ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will not be compounded. Dividends will be credited to your account annually.

Dividend period - For this account type, the dividend period is annual, for example, the beginning date of the first dividend period of the calendar year is June 1, and the ending date of such dividend period is May 31 of the following year. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is May 31.

If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $5.00.

You must maintain a minimum daily balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

The maximum ATM withdrawals may not exceed your daily ATM/Debit Card limit. This withdrawal limitation is imposed per Card, which may be combined with your Checking account.

Par value of a share:

The par value of a share in this account is $1.00.

TIERED IRA STATEMENT SAVINGS ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $1.00.

Daily balance computation method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Transaction limitations:

Par value of a share:

The par value of a share in this account is $1.00.

COMMON FEATURES

Bylaw requirements:

You must complete payment of $1.00 in an account as a condition of admission to membership.

Transaction limitation - We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

USA Patriot Act - If the Credit Union receives questionable photo ID information at the time of account opening, a hold and/or flag may be placed on the account, thus disabling any transactions for 30 days.

Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

National Credit Union Share Insurance Fund (NCUSIF) and Massachusetts Share Insurance Corporation (MSIC) - Member accounts are federally insured by the National Credit Union Share Insurance Fund (NCUSIF) to at least $250,000.00. Deposited funds in excess of $250,000.00 carry additional deposit insurance through Massachusetts Share Insurance Corporation (MSIC). Contact the Credit Union for further information on insurance limits.

Please refer to our separate fee schedule for additional information about charges.

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YOUR ACCOUNT

These are the accounts you have opened or inquired about. Further details about these accounts are inside this brochure. If the figures are not filled in, please see the insert that is with this disclosure or your periodic statement.

REGULAR SAVINGS ACCOUNT

Prospective dividend rate:

The prospective dividend rate on your account is --------% with a prospective annual percentage yield of --------% for the current dividend period.

STATEMENT SAVINGS ACCOUNT

Prospective dividend rate:

The prospective dividend rate on your account is --------% with a prospective annual percentage yield of --------% for the current dividend period.

HERO SAVINGS ACCOUNT

Prospective dividend rate:

Tier 1 - If your daily balance is $3,000.00 or more, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 2 - If your daily balance is at least $1,000.00, but is less than $3,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 3 - If your daily balance is at least $100.00, but is less than $1,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

1ST PLACE MONEY MARKET STATEMENT ACCOUNT

Prospective dividend rate:

Tier 1 - If your daily balance is $75,000.00 or more, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 2 - If your daily balance is more than $49,999.99, but is less than $75,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 3 - If your daily balance is more than $24,999.99, but is less than $50,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 4 - If your daily balance is more than $14,999.99, but is less than $25,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 5 - If your daily balance is more than $2,499.99, but is less than $15,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 6 - If your daily balance is $2,499.99 or less, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

ELITE CHOICE MONEY MARKET STATEMENT SAVINGS ACCOUNT

Prospective dividend rate:

Tier 4 - If your daily balance is more than $9,999.99, but is less than $25,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 5 - If your daily balance is more than $2,499.99, but is less than $10,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

NOW CHECKING ACCOUNT

Prospective dividend rate:

The prospective dividend rate on your account is --------% with a prospective annual percentage yield of --------% for the current dividend period.

BASIC CHECKING ACCOUNT

SELECT CHECKING ACCOUNT

Prospective dividend rate:

The prospective dividend rate on your account is --------% with a prospective annual percentage yield of --------% for the current dividend period.

DIRECT BONUS CHECKING ACCOUNT

Prospective dividend rate:

The prospective dividend rate on your account is ----------% with a prospective annual percentage yield of ----------% for the current dividend period.

HERO CHECKING ACCOUNT

Prospective dividend rate:

The prospective dividend rate on your account is ----------% with a prospective annual percentage yield of ----------% for the current dividend period.

18/59 CHECKING ACCOUNT

1ST PLACE CHECKING ACCOUNT

Prospective dividend rate:

ELITE CHOICE CHECKING ACCOUNT

HSA CHECKING ACCOUNT

Prospective dividend rate:

Tier 1 - If your daily balance is $20,000.00 or more, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 2 - If your daily balance is more than $14,999.99, but is less than $20,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 3 - If your daily balance is more than $9,999.99, but is less than $15,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 4 - If your daily balance is more than $4,999.99, but is less than $10,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 5 - If your daily balance is more than $999.99, but is less than $5,000.00, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

Tier 6 - If your daily balance is $999.99 or less, a prospective dividend rate of ----------% will be paid on the entire balance in your account, with a prospective annual percentage yield of ----------% for this dividend period.

CHRISTMAS CLUB ACCOUNT

Prospective dividend rate:

The prospective dividend rate on your account is --------% with a prospective annual percentage yield of --------% for the current dividend period.

VACATION CLUB ACCOUNT

Prospective dividend rate:

The prospective dividend rate on your account is --------% with a prospective annual percentage yield of --------% for the current dividend period.

TIERED IRA STATEMENT SAVINGS ACCOUNT

Prospective dividend rate:


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TERMS AND CONDITIONS OF YOUR ACCOUNT

TERMS AND CONDITIONS
OF YOUR ACCOUNT