SkyOne Federal Credit Union: - Terms And Conditions of Your Account

Last revised 1/4/2010

IMPORTANT ACCOUNT OPENING INFORMATION - Federal law requires us to obtain sufficient information to verify your identity. You may be asked several questions and to provide one or more forms of identification to fulfill this requirement. In some instances we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.

Dear Credit Union Member:

This brochure contains the Disclosures and Agreements ("Agreement" or "Disclosure and Agreement") which govern your account(s) with us. Please read this brochure carefully. If you sign your signature card or continue to have an account with us, you agree to the terms and conditions stated herein, our by-laws, and any by-law amendments. You agree to pay the fees we charge and you give us the right to collect any fees, as earned, directly from your account balance. You will receive a separate Schedule of Rates, qualifying balances, and fees if they are not included in this brochure. These separate documents are incorporated by reference herein. If you have any questions, please call us.

This Agreement is subject to applicable federal laws and the laws of the state of California (except to the extent that this Agreement can and does vary such rules or laws).

The purpose of this brochure is to provide you with the terms and conditions governing your accounts with us and give you our funds availability, electronic fund transfers and truth-in-savings policy disclosures.

We may permit some variations from this standard Agreement, but any variations must be agreed to in writing either on our signature card for the account or in some other written form.

As used in this brochure, the words "credit union," "we," "our," and "us" mean the SkyOne Federal Credit Union and the words "you" and "your" mean the owner(s) of the accounts as shown by the most recent signature card on file with us and any "agent" appointed by or on behalf of the owner(s) to sign on the account in a representative capacity.

The word "Card" means the ATM Card or VISA® Check Card issued to you or your joint owner(s) by the Credit Union. The word "ATM" means an Automated Teller Machine. The word "EFT" means any Electronic Funds Transfer other than by check or other paper instrument that is initiated through an electronic terminal, telephone, computer, magnetic tape or other communication device for the purpose of providing cash, debiting, crediting, transferring or inquiring on an account or Remote Access PIN or iSky Online Banking Password. The words "PIN" or "Access Code" mean a Personal Identification Number which enables you to effect transactions via ATM/VISA® Check Card, Sky Fone (Telephone Banking), iSky Online Banking (Home Banking) or Bill Payment Service. The word "POS" means Point-of-Sale which represents transactions that directly debit (withdraw funds from) your Checking Account only, including your use of the VISA® Check Card as a Debit Card.

LIABILITY - Each of you agrees for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this Disclosure and Agreement and the Schedule of Rates and the Schedule of Fees that we impose. You authorize us to deduct these fees directly from your account balance. You also agree to pay additional reasonable charges we may impose for services you request whether or not covered by this Agreement. Each of you also agrees to be jointly and individually liable for any account deficit resulting from fees or overdrafts, whether caused by you or another authorized to withdraw from your account, and our costs to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees. You agree that at our option we may suspend services to you if you violate the terms of this Agreement.

DEPOSITS - Any items, other than cash, accepted for deposit (including items drawn "on us") will be given provisional credit only until collection is final (and 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 initiated by mail or outside depository until we actually record them. Unless otherwise agreed, you waive any right to receive any original item after it is paid.

WITHDRAWALS - Unless otherwise clearly indicated to the contrary, any one of you who signs in the space designated for signatures on the signature card, including any agents, may withdraw or transfer all or any part of the account balance at any time on forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person signing on the signature card to endorse any item payable to you or your order for deposit to your account or any other transaction with us. We may charge against your account a check, even though payment was made before the date of the check, unless you have given us written notice of the postdating in accordance with the California Uniform Commercial Code (UCC). The fact that we may honor withdrawal requests which overdraw the finally collected account balance does not obligate us to do so, unless required by law. Withdrawals will first be made from collected funds, and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to the contrary. We reserve the right to refuse any withdrawal or transfer request which is attempted by any method not specifically permitted, which is for an amount less than any minimum withdrawal requirement, or which exceeds any frequency limitation. Even if we honor a nonconforming request, repeated abuse of the stated limitations (if any) may eventually force us to close your account. We will use the date a transaction is completed by us (as opposed to the day you initiate it) to apply the frequency limitations.

CREDIT UNION OFFICIAL CHECKS - Official Checks issued by any office or department of the Credit Union are good for 180 days from the date of issue. After that time, they are considered void. They can be exchanged for replacement checks. However, per California state law (Unclaimed Property Act), financial institutions are required to transfer to the state all monetary instruments which have not been negotiated after three years.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - The following terms and conditions govern the ownership of your accounts with us and your beneficiary designations, if any, on your accounts. We reserve the right to refuse some forms of ownership on any or all accounts with us.

Individual Account - This account is issued to one person who does not intend (merely by opening this account) to create any survivorship rights in any other person.

Joint Account - If more than one person signs the signature card, every person signing the signature card is an owner of the account and the account is held in joint tenancy with right of survivorship. Upon the death of any owner, ownership of the account passes to the surviving joint tenant(s) named on the signature card. All owners agree that all sums now paid in or hereafter paid in by any one owner, including dividends, if any, are and shall be owned by all account owners jointly and equally, regardless of their net contributions, with right of survivorship, and shall be subject to withdrawal or receipt by any one account owner or the survivor(s) of the account owner(s). Any such payment shall be valid and shall discharge the Credit Union from any liability. We are not obligated to inquire as to the source of funds received for deposit to a joint account or to inquire as to the proposed use of any funds withdrawn from the account for the purpose of establishing net contributions. The right of survivorship cannot be changed by will.

Payable on Death (Beneficiary) Designation - If you have made a payable (pay) on death (P.O.D.) designation on the signature card for an account, all sums in the account are payable to you upon your request during your lifetime and upon your death, to your designated P.O.D. payee or if your account is jointly owned, to one or more account owner(s) during their lives and on the death of all of them, to one or more payees then surviving in equal and individual amounts. As between P.O.D. payees, there is no right of survivorship. The beneficiary designation cannot be changed by will.

Totten Trust Account - This account is open "in trust" for the beneficiaries named on the signature card and there is no separate trust document for this type of account. If two or more of you open this account, you own the account jointly with right of survivorship during your lifetime regardless of your net contributions to the account and you have reserved the right to (1) change beneficiaries; (2) change account types or revoke the trust at any time by executing and delivering to us a new signature card; (3) withdraw any sums on deposit including dividends. In the event of your death or, if the account is held by more than one person, the death of your survivor, then and only then, we shall pay the sums in such account to the beneficiary designated on the signature card, if then living (if more than one beneficiary is designated then equally to those beneficiaries living at the date of your death or the death of your survivor), but if there is no surviving beneficiary, we shall pay the sums to your estate or the estate of your survivor. There is no right of survivorship between beneficiaries. The right of survivorship or beneficiary designation cannot be changed by a will.

Trust Account - This type of account is established by a trustee in connection with a separate written trust document. We may require you to provide us with a notarized trust certification, confirming your power as trustee, prior to opening the account. We are not required to request this certification and we have third party protection if we act in good faith and without actual knowledge that the trustee is exceeding his/her powers. We are not required to know, understand, interpret or enforce the terms of any trust document which may be provided to us.

Uniform Transfer to Minors Act (UTMA) Account - This account is utilized when transfers of property to a minor, supervised by an adult (usually a parent acting as a custodian) are made. The custodianship ends when the child reaches legal age. We are not required to administer, monitor or supervise activity on this account. The custodian is opening the account as custodian for the minor named on the signature card or certificate under UTMA. The transfer of money to the minor named on the signature card or certificate, which transfer shall be deemed to include all dividends and any future additions thereto, is irrevocable and is made in accordance with the laws of the State of California governing UTMA transfers. The successor custodian named on the signature card or certificate shall serve if you become unable to act as custodian because you resign or become legally incapacitated.

Fiduciary Accounts - You are duly appointed and acting in the capacity of executor/executrix, administrator/administratrix, guardian or conservator. By the authority vested in you, you are acting individually or jointly, authorized and empowered to transact business of any character including pledging any or all deposits in the account as collateral security for any loans subject to current loan policies.

Organizational Accounts - Such accounts are issued in the name of an organization rather than an individual(s) such as a corporation, partnership, limited liability company, association (club or league). The persons named on the signature card or certificate certify to us that at a regularly held meeting of the organization they were elected or appointed officers of the corporation or organization or the general partners of the partnership and that by virtue of the authority vested in you by the constitution, bylaws or otherwise, any one (1) of the signers, as named on the signature card or certificate, is authorized and empowered to transact business of any nature in the account including the pledge of deposits in the account as collateral security for any loans subject to current loan policies. We reserve the right, however, to require the governing body of the organization to give us a separate authorization telling us who is authorized to act on its behalf. We will honor such an authorization until we actually receive written notice of a change in the governing body.

PLEDGES - Each owner of an account pledges all or any part of the funds in it for any purpose to which we agree. Any pledge of deposits/funds in an account must first be satisfied before the rights of any joint account survivor, pay-on-death beneficiary, or trust account beneficiary becomes effective. For example, if one joint tenant pledges deposits/funds in an account for a debt (i.e. uses it to secure a debt) and then dies, (1) the surviving joint tenant's rights in the account do not take effect until the debt has been satisfied and (2) the debt may be satisfied with the funds in the account.

STOP PAYMENTS - You must make any stop-payment order in the manner required under the UCC 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. A release of the stop-payment request may be made only by the person who initiated the stop-payment order.

TELEPHONE TRANSFERS - A telephone transfer of funds from one account to another account with us, if otherwise permitted or arranged for, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing.

AMENDMENTS AND TERMINATION - We may change our by-laws and any term of this Agreement and we will give you reasonable notice in writing or by any other method permitted by law. We reserve the right to close your accounts if your membership in this Credit Union terminates. You agree to keep us informed about your current address at all times. Notice from us to any one of you is notice to all of you. We may close your Savings, Checking, Money Market or Certificate Account at any time upon reasonable notice to you and tender the account balance personally or by mail. We reserve the right to close any of these accounts if you misuse the account (such as repeated items returned due to non-sufficient funds or your consistent overdrawing any account) or abuse of your membership privileges. If we close your account(s), we may mail a check to you at the address we currently have on record. We may return deposits and payments, and other items that we receive after your account is closed, without liability to us.

STATEMENTS - You must examine your statement of account with "reasonable promptness." If you discover (or reasonably should have discovered) any unauthorized payments or alterations, you must promptly notify us of the relevant facts. 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 exercised 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 forged or altered 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 that such time will not, in any circumstance, exceed a total of 30 days from when the statement is first 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 make the statement available, you cannot assert a claim against us on any items in that statement, and the loss will be entirely yours. This 60 day limitation is without regard to whether we exercised 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 your 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 this 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.

DORMANT ACCOUNTS - If no monetary activity or no contact from you occurs on an account for a period of 18 months, regardless of the aggregate balance, the account is considered dormant and will be locked-out while we make every attempt to contact you.

FICTITIOUS BUSINESS NAME ACCOUNTS - If the name in which the account is held is fictitious, each owner represents that one or more of the owners have the right to use that name and have fulfilled all legal requirements for using and/or doing business under that name.

ESCHEAT ACCOUNTS - If no monetary activity or no contact from you occurs on an account for a period of three years, regardless of the aggregate balance, California law (Unclaimed Property Act) requires that we transfer the balance of the account to the State Controller's Office. This is called escheating an account. You may recover the escheated funds by writing to the California State Controller's Office. (California law governs this and all other applicable aspects of account regulation, regardless of the state of your residency, as the funds are considered to be housed in California.)

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

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 on the signature card or that are filed separately with us, and contain the required number of signatures for this purpose.

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.

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, as a federal credit union, we 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. Because federal law and regulation provides us with a statutory lien, we are authorized to apply, without prior notice, your deposits, 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.

AGENTS - An agent is someone who you authorize to have access to your account on your behalf. (We, however, have no duty or agreement whatsoever to monitor or insure that the acts of the agent are for your benefit.) This may be done by allowing your agent to sign on the space as an authorized signer on the signature card, or by separate form (such as a power of attorney). An agent is not an owner of the account. We will allow agents to be appointed only on individual accounts unless each owner of a joint account has executed a separate power of attorney naming an agent. We may refuse to accept an agent, or an agency account.

LEVIES/WITHHOLD ORDERS/JUDGEMENTS/ATTACHMENTS/GARNISHMENTS - Financial institutions are required, based on receipt of any of the above documents, to surrender funds belonging to members in accordance with the amount and date specified.

When we receive a levy or similar order, we immediately notify you in writing (the same date it is received). If we do not receive a release or withdrawal from the levying agency (IRS, Franchise Tax Board, court, etc.) prior to the day the funds are to be remitted, we are obligated to surrender the funds from your account(s) and any accounts on which you may be a joint owner, to the levying agency.

As we are merely the depository institution, and we make no decisions and have no information concerning the merits of the case, any disputes regarding such issues must be addressed to the levying agency, not to the Credit Union.

Funds held in retirement accounts may also be subject to levy, unless the document contains language specifically exempting such accounts or the account is otherwise exempted by law. Additionally, any penalties/loss of dividends due to early certificate withdrawal will apply.

MONITORING AND RECORDING TELEPHONE CALLS - We may monitor or record phone calls for security reasons and to ensure that you receive courteous and efficient service. You consent in advance to any such recording. We need not remind you of our recording before each phone conversation.

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 is the last day of the dividend period, and for the example above is January 31.

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 $10.00.

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

This account offers a tiered dividend rate. Please refer to our separate rate sheet for tiers.

Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly dividend period.

Transaction limitations:

The maximum number of shares you can own in this account is one.

During any month, 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, automatic, or computer transfer, telephonic order or instruction, or by check, draft, debit card, 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.

Fees and charges:

Please refer to the Schedule of Service Charges for additional information about charges.

Statements:

With a Savings Account, you will receive a quarterly statement electronically, a.k.a. an "eStatement," not paper via mail. Should you have a Visa Credit Card, you will receive a monthly Visa eStatement, as well, versus a paper statement.

eStatements require that you log on to iSky Online Banking (our Internet Home Banking service) to activate and accept the terms and conditions of the eStatements service. You will not be able to access your quarterly statement for your Savings Account or your monthly statement for your Visa Credit Card (if applicable) until you do so. You must have access to a computer with sufficient access to the Internet (Adobe Acrobat Reader 5.0 or better, and either Netscape or Internet Explorer 6.0 or better).

PREMIER 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 $20.00.

You must maintain a minimum average daily balance of $2,500.00 in your account to obtain the disclosed annual percentage yield for the first tier.

This account offers a tiered dividend rate. Please refer to our separate rate sheet for tiers.

Transaction limitations:

No transaction limitations apply to this account unless otherwise stated in the Common Features section.

Fees and charges:

Please refer to the Schedule of Service Charges for additional information about charges.

Statements:

With a Premier Checking Account, you will receive a monthly statement electronically, a.k.a. an "eStatement," not paper via mail. Should you have a Visa Credit Card, you will receive a monthly Visa eStatement, as well, versus a paper statement.

eStatements require that you log on to iSky Online Banking (our Internet Home Banking service) to activate and accept the terms and conditions of the eStatements service. You will not be able to access your monthly statement for your Premier Checking Account or your monthly statement for your Visa Credit Card (if applicable) until you do so. You must have access to a computer with sufficient access to the Internet (Adobe Acrobat Reader 5.0 or better, and either Netscape or Internet Explorer 6.0 or better).

Electronic Services:

Upon approval of a member's request for a Checking Account, the Credit Union will automatically send the member and joint owner(s) a SkyOne ATM/VISA® Check Card and will set up Sky Fone Telephone Banking and iSky Online Banking access.

TOTALLY FREE CHECKING ACCOUNT

Minimum balance requirements:

The minimum balance required to open this account is $20.00.

Transaction limitations:

No transaction limitations apply to this account unless otherwise stated in the Common Features section.

Fees and charges:

Please refer to the Schedule of Service Charges for additional information about charges.

Statements:

With a Totally Free Checking Account, you will receive a monthly statement electronically, a.k.a. an "eStatement," not paper via mail. Should you have a Visa Credit Card, you will receive a monthly Visa eStatement, as well, versus a paper statement.

eStatements require that you log on to iSky Online Banking (our Internet Home Banking service) to activate and accept the terms and conditions of the eStatements service. You will not be able to access your monthly statement for your Totally Free Checking Account or your monthly statement for your Visa Credit Card (if applicable) until you do so. You must have access to a computer with sufficient access to the Internet (Adobe Acrobat Reader 5.0 or better, and either Netscape or Internet Explorer 6.0 or better).

Electronic Services:

Upon approval of a member's request for a Checking Account, the Credit Union will automatically send the member and joint owner a SkyOne ATM/VISA® Check Card and will set up Sky Fone Telephone Banking and iSky Online Banking access.

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 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 $10.00.

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

This account offers a tiered dividend rate. Please refer to our separate rate sheet for tiers.

Transaction limitations:

Fees and charges:

Please refer to the Schedule of Service Charges for additional information about charges.

RETIREMENT ACCOUNTS

All funds in Individual Retirement Accounts (IRA's) are linked to either IRA savings accounts or IRA certificates. The Credit Union offers Traditional, Roth and Educational IRA's. Federal regulations governing retirement accounts apply separately from Credit Union policies regarding IRA savings and IRA certificate accounts. For instance, dividend accumulation and compounding are calculated as they would be for corresponding savings and certificate accounts. Additionally, tax laws governing withdrawals from IRA's have no connection with certificate penalties. Therefore, while it may be permissible according to the IRS to remove funds from an IRA without tax penalties, as long as they are rolled over into another qualified retirement plan within 60 days, you will still be assessed our certificate penalty (90 days' dividends) on such a withdrawal.

We cannot and will not advise you on any legal and/or tax related matters nor can we advise you whether or not you are qualified to participate in the plan. Such advice should be obtained from an attorney, CPA or tax preparer. We will, however, be happy to discuss our services and provide you with all applicable details thereof.

Finally, we will not accept FAXed requests for any IRA-related matters. On a case-by-case basis, we may FAX you a form, but you must complete it accurately and mail it back to us.

IRA RECHARACTERIZATIONS/CONVERSIONS

Based on the applicable certificate term and amount, a penalty will be assessed for a request for a conversion/recharacterization of a certificate Traditional IRA to or from a Roth IRA during the certificate term, prior to the maturity date.

IRA ACCUMULATOR 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 $5.00.

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

This account offers a tiered dividend rate. Please refer to our separate rate sheet for tiers.

Transaction limitations:

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

MONEY MARKET ACCOUNTS

Rate Information:

The dividend rate and annual percentage yield for your Money Market accounts may be subject to change weekly. Check our current Money Market rates.

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 maintain a minimum average daily balance of $2,500.00 in your account to obtain the disclosed annual percentage yield.

This account offers a tiered dividend rate. Please refer to our separate rate sheet for tiers.

Transaction limitations:

Fees and charges:

Please refer to the Schedule of Service Charges for additional information about charges.

CERTIFICATE ACCOUNTS

Rate Information:

The dividend rate and annual percentage yield for your Certificate accounts will be declared on a monthly basis. Check our current Certificate rates. After opening the term certificate account, the dividend rate will be paid until first maturity. If our certificate rates go up any time during the original term of your certificate, you may request a one-time bump-up rate for the remainder of the original term by notifying SkyOne. The bump-up rate only applies to certificates with terms of 24 months or longer, opened after October 1, 2006, and will not be retroactive. For any existing certificates maturing after October 1, 2006, the bump-up rate option is available in the new term.

Compounding frequency - Dividends will be compounded every quarter.

Crediting frequency - Dividends will be credited to your account every quarter. Alternatively, you may choose to have dividends paid to a savings or checking account every month rather than credited to this account.

Minimum balance requirements:

The minimum balance required to open this account is $500.00.

TERMS:

Please refer to our current rate sheet for available terms.

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 Limitation:

After the account is opened, you may not make deposits or withdrawals into the account until the maturity date stated on the account.

See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Penalties:

Early withdrawal penalties may be imposed for withdrawals before maturity.

On term certificates, dividends will be paid prior to imposing the penalty and the penalty may be equal to a loss of 90 days dividends. Penalties are calculated on the full amount of the certificate. This may reduce your investment and lower your principal balance.
Early withdrawal may constitute closure of the certificate.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate and annual percentage yield will be the same we offer on new time accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original certificate account.

You will have a grace period of seven calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

COMMON FEATURES

Bylaw requirements:

You must complete payment of one share in your Regular Savings 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 a dividend accruing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term savings account(s).)

National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

Rate information - The initial dividend rate and annual percentage yield (APY) are stated on the Schedule of Rates accompanying this Disclosure and Agreement.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example checks) in your account.

Par value - The par value of one share in the credit union is $5.00. For all accounts, you must maintain one $5.00 share in your Regular Savings account.

Overdraft Protection: In the case of non-sufficient funds in your checking account, overdraft protection allows for automatic transfers from the following designated accounts by your choice: Savings, Money Market, SkyOne Line of Credit, and/or VISA® Credit Card. Please refer to the Schedule of Service Charges for the Overdraft transfer fee.

Courtesy Pay: In the case of non-sufficient funds in your checking account and you've exhausted your Overdraft Protection (if applicable), Courtesy Pay will cover the payment. A Courtesy Pay fee will apply and will be due and payable on demand. Please refer to the Schedule of Service Charges for the Courtesy Pay fee. Checking account balance must be brought back to a positive balance within 30 days.

Courtesy Pay will use any and all funds deposited into your checking account, such as exempt funds which include and are not limited to Social Security, SSI, Veterans Benefits and/or pension payments, to offset any negative balances or fees in your account.

Courtesy Pay Eligibility: The checking account must be open for 120 days, be maintained in good standing, and the member must not have a ChexSystem record with monies owed. For members who do not have direct deposit, Courtesy Pay will cover amounts to a negative $500 balance (exclusive of any Courtesy Pay fees) in the checking account or up to 10 occurrences in a calendar month, whichever comes first. For members with Direct Deposit, Courtesy Pay will cover amounts to a negative $1,500 balance (exclusive of any Courtesy Pay fees) in the checking account or up to 10 occurrences in a calendar month, whichever comes first.

Categories of Transactions: The categories of transactions for which a Courtesy Pay will occur are check withdrawal, debit card (signature-based only), or ACH.

Order of Payment: Payments will be processed in order of largest items first.

Circumstances Under Which We Would Not Pay: The circumstances under which we would not pay an item that would overdraw your account are entirely within our discretion, and we reserve the right to not pay. WE ARE NOT OBLIGATED TO PAY ANY ITEM PRESENTED FOR PAYMENT IF YOUR ACCOUNT DOES NOT CONTAIN SUFFICIENT FUNDS. WE MAY REFUSE TO PAY ANY ITEM THROUGH COURTESY PAY FOR YOU AT ANY TIME, EVEN IF YOUR ACCOUNT IS IN GOOD STANDING AND EVEN IF WE HAVE PREVIOUSLY PAID THEM FOR YOU.

Opt-out: Members are able to opt-out of Courtesy Pay by contacting the Credit Union. By opting out of Courtesy Pay, your payment will be returned unpaid and an NSF fee will apply if funds are not available. Please refer to the Schedule of Service Charges to see related fees.

Please refer to the Schedule of Service Charges for additional information about charges.

Please refer to our separate schedule of rates for information regarding rates being paid on these accounts.

YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to "transaction" accounts and 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. Checking 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 the funds 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.

DEPOSITS AT AUTOMATED TELLER MACHINES

Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the third business day after the day of your deposit. This rule does not apply at ATMs that we own or operate.

All ATMs that we own or operate are identified as our machines.

If you make a deposit at an ATM before 5:30 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 5:30 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 second business day after the day of your deposit. The first $100 of your deposits, however, will 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 seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

If you are a new member, the following special rules will 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, 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 on 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 on the ninth business day after the day of your deposit.

ELECTRONIC FUND TRANSFERS

YOUR RIGHTS AND RESPONSIBILITIES

This Section applies to fund transfers as defined in the Electronic Funds Transfer Act and Regulation E. To the extent that the terms contained in this Section are different than those in any other agreement or terms of account, this Section shall control and be deemed to modify such other agreements or terms of account.

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.

Your acceptance, signature, retention or use of (or by authorizing another person to sign or use) the ATM/VISA® Check Card, Personal Identification Number (PIN), Sky Fone or iSky Online Banking Password constitutes an agreement between us and you as described below.

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 or withdrawal 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 to be accepted into your checking or savings account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).
Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking 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 funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.

SKYONE ATM/VISA® CHECK CARD TRANSACTIONS

You may access your account(s) by ATM using your SkyOne ATM/VISA® Check Card and your personal identification number (PIN) or SkyOne ATM/VISA® Check Card and your PIN.

NETWORK TRANSACTIONS

You can do the following:

Withdrawals from savings and checking
Balance inquiries on savings and checking

ATM TRANSACTIONS AT SKYONE FEDERAL CREDIT UNION PROPRIETARY ATMS (THOSE OWNED AND OPERATED BY SKYONE FEDERAL CREDIT UNION):

You can do the following:

Make deposits to savings and checking
Make withdrawals from savings and checking account(s)
Balance inquiries on savings and checking
Transfer from savings to:
- Checking
- Line of Credit
Transfer from checking to:
- Savings
- Line of Credit
Transfer from Line of Credit to:
- Checking
- Savings

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

LIMITATIONS ON FREQUENCY AND DOLLAR AMOUNT OF TRANSACTIONS

Provided you have available funds in your account(s), you may withdraw up to a maximum of $500.00 in cash from your savings or checking accounts by use of an ATM within a twenty-four (24) hour period. The minimum cash transaction is $20.00. Some terminals my have lesser limits.

You agree to follow the instructions posted or displayed or given at an ATM.

Types of ATM/VISA® Check Card Point-of-Sale Transactions - You may access your checking, savings, or Line of Credit account(s) 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 card:

you may not exceed $2,500.00 in transactions per day
Some merchants or terminals may have lesser limits.

Currency Conversion. When you use your ATM/VISA® Check Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

For security reasons, there may be limits on the number of those transactions that may be authorized.

ATM services are available for your convenience 24 hours a day, seven days a week, with minor interruptions for end-of-day processing. Point of Sale transactions are available during merchants' business hours.

Renewal of ATM/VISA® Check Card - For your protection, your ATM/VISA® Check Card is issued with an expiration date. If your account is active and in good standing, upon expiration of your ATM/VISA® Check Card, we may issue you a renewal card. We will not issue a renewal card if your account is not in good standing, if there has been no ATM or VISA® Check Card activity on your account, or if your VISA® Check Card has not been activated prior to expiration of the card.

ADDITIONAL DISCLOSURES APPLICABLE TO VISA® CHECK CARD WHEN USED AS A POINT OF SALE DEVICE. By use of your VISA® Check Card with your PIN or sometimes just your VISA® Check Card or VISA® Check Card number at a participating Point of Sale terminal, you authorize us to make withdrawals from your Checking Account for cash or to pay for goods and services. When you do so, you use your VISA® Check Card as a debit card and your VISA® Check Card works much like a check you write on your account. Your VISA® Check Card is not serving as a credit card, which means you may not defer payments of VISA® Check Card transactions. When you use the VISA® Check Card, you must follow the procedures established by the merchant or financial institution. You may be asked to sign a sales slip, withdrawal slip, or other document or just provide your VISA® Check Card number. Some merchants may impose a fee for a VISA® Check Card transaction. We are not liable if a merchant or financial institution does not accept your VISA® Check Card or VISA® Check Card number.

We may debit or place a hold on your Checking Account for a transaction either on the day it is presented to us for payment, by electronic or other means, or on the day we receive notice of the transaction, whichever is earlier.

If a merchant or other financial institution requests an authorization for a transaction you want to conduct, we may place a hold on your Checking Account for the amount authorized. As a result, you will not have access to the funds on hold, other than for the transaction authorized, until the hold expires (up to three (3) business days from the date of the transaction).

You may not stop payment on a VISA® Check Card transaction. Furthermore, in the event of a dispute with a merchant, you may have to settle directly with that merchant. If a merchant misrepresents the quality, price, or warranty of goods or services in which you paid with your Card, you indemnify us for all damages and liability which results from the misrepresentation. If you breach or don't fulfill any of the terms of this agreement, you also indemnify us for all resulting damages and liability.

SKY FONE TELEPHONE AND ISKY ONLINE BANKING - For Sky Fone telephone transactions you may access your account by telephone 24 hours a day at 1-800-523-9164 using your Sky Fone PIN, a touch tone phone, and your account numbers. For iSky Online Banking computer transactions using your computer equipped with a modem, communication software and an Internet service provider, you may access your account(s) by computer by using your Account Number, and iSky Online Banking Password, through the Credit Union website www.SkyOne.org, to:

get information about:
- the account balance of checking accounts
- recent checking account history
- the account balance of savings accounts
- recent savings account history
- obtain balances and account history of loans, certificates, Individual Retirement Accounts, Club or Money Market account(s)
withdraw funds to have a check mailed to you
transfer funds between checking, savings, Club and Money Market account(s)
transfer funds from VISA® to checking, savings, Club, or Money Market account(s)
transfer funds from line of credit to checking, savings, Club or Money Market account(s)
all funds transferred from a loan account will be subject to the applicable loan agreement for accessing proceeds and secured by any security agreement for accessing your loan proceeds
transfers to Individual Retirement Accounts are not available
make payments from checking to loan accounts with us
make payments from savings to loan accounts with us
make payments from Club or Money Market account(s) to loan accounts with us
You may transfer/make a payment/make a withdrawal for no more than $9,999.99 per transfer/payment/withdrawal

You cannot place a stop payment order on or amend or cancel a transfer initiated through Sky Fone or iSky Online Banking once it has been received by us.

Cross Account Transfer:

All members who request to transfer funds from one account to another account number using Sky Fone Telephone or iSky Online Banking must complete a Cross Account Transfer authorization form. Member must be on both accounts. If a Cross Account Transfer authorization form has already been completed to transfer funds from one account to another account number using Sky Fone (Telephone Banking system), all designated accounts set up on Sky Fone Telephone Banking will be accessible through iSky Online Banking.

A Bill Payment Service is available. Please refer to our schedule of service charges for the amount we will charge and other fees associated with the Bill Payment Service.

Other Terms & Conditions Applicable to Sky Fone Telephone and iSky Online Banking:

We may occasionally introduce new services to enhance the existing program, and we may limit services or transactions available in these programs, from time to time, at our discretion and without prior notice. We may change or modify services, from time to time, at our discretion. We shall notify you of any new services or changes to existing services and by utilizing these services, you agree to be bound by the obligations and conditions concerning these services. In addition to the terms set forth in this Agreement, you agree to be bound by all the terms and conditions of any separate instructions that you may be provided with in conjunction with these services and any and all applicable state and federal laws and regulations.

We reserve the right to terminate your use of the Sky Fone Telephone Banking or iSky Online Banking service, in whole or part, at any time without prior notice.

This Agreement, any separate instructions, and the applicable fees and charges may be amended by us in the future. In the event of amendment, we shall send notice to you either by mail to your last known address or transmit such notice of the amendment over the iSky Online Banking service. Your use of the iSky Online Banking or Sky Fone Telephone Banking service following the receipt of such notice constitutes acceptance of such amendment.

Governing Documents:

Your use of Sky Fone Telephone Banking and iSky Online Banking is governed by this Disclosure and Agreement and any application you sign for these services and any other agreements you have with us concerning the transaction you are conducting such as a credit card, loan or line of credit agreement. These other agreements are not changed by you using Sky Fone or iSky Online Banking.

Bill Payment:

You may be asked to designate one of your accounts as a payment account for selected services such as a bill payment service. Additional terms and conditions may be provided to you (electronically via our web site and on paper if requested) in connection with a bill payment service. If you close the payment account, your ability to use the bill payment service will be suspended until you notify us of your new payment account. If you select a joint account as the bill payment account, all joint owners will share the same payee list and any joint owner may select a payee to receive payment from the account. An account that requires two or more signers may not be designated a payment account. Any account owner may cancel the bill payment service and we are not required to notify the other account owners of the cancellation of bill payment services.

Member Access and Responsibility:

When you instruct us through Sky Fone Telephone Banking or iSky Online Banking to transfer funds between your accounts or pay a bill from one of your accounts, you authorize us to transfer or withdraw the necessary funds from the account you designate. You agree not to instruct us to transfer funds or pay a bill from an account which has insufficient funds to complete the transaction and we may not complete the transaction unless there are available funds in the designated account.

We are entitled to act on any instructions received under the Password we have on file for you.

You agree to protect the secrecy of your Password and account data accessed via Sky Fone Telephone and iSky Online Banking and we have no responsibility if you disclose same. You also agree to limit distribution of this information to only those authorized by you to access Sky Fone Telephone or iSky Online Banking. You must notify us immediately if you believe any of your accounts have been accessed or your Password has been used without your permission to access your accounts. For security purposes, we recommend that you memorize your Password and not write it down. You should change your Password regularly.

You are responsible for all transfers and withdrawals you authorize using Sky Fone Telephone Banking or iSky Online Banking. If you permit non-authorized persons to use Sky Fone Telephone Banking or iSky Online Banking or your Password, you are responsible for any transactions they complete.

Posting of Transactions:

Transactions made on any business day are posted immediately. Transactions made on weekends or holidays are posted to your account immediately but are recorded, for purposes of dividend calculations, on the following business day.

Information We Send You:

Any information you receive from us electronically is provided on a best-effort basis and is believed to be reliable but cannot be guaranteed. We are not responsible for any deficiencies in the accuracy, completeness, availability or timeliness of such information or any investment or other decision you make using this information.

Our Liability for iSky Online Banking Services:

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor any Internet or commercial on-line access or browser provider (such as America Online, CompuServe, Netscape or Microsoft, collectively called "Service Providers") shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, the Credit Union, OR by Service Provider OR by an agent or subcontractor of any of the foregoing. Nor shall we or the Service Providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the iSky Online Banking services, or Internet browser or access software. Neither we nor the Service Providers are responsible for any computer viruses. Further, we will only be responsible for acting on instructions sent through iSky Online Banking which are actually received by us. Except as otherwise stated in this Agreement or as required by law, our entire liability and the liability of any Service Provider and your exclusive remedy with respect to iSky Online Banking services is the replacement of any browser or software, if any, provided by us to you.

In those states which do not allow for the exclusion or limitation of liability for consequential or incidental damages, our liability is limited to the extent permitted by law.

No Warranties:

NEITHER WE NOR ANY SERVICE PROVIDER MAKES ANY EXPRESS OR IMPLIED WARRANTIES CONCERNING THE SKY FONE TELEPHONE BANKING OR ISKY ONLINE BANKING SERVICE, SOFTWARE OR BROWSER, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANT ABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD PARTY PROPRIETARY RIGHTS UNLESS DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY LAW.

Indemnification:

To the extent permitted by law, you agree to indemnify, defend and hold us and our directors, officers, employees and agents harmless from and against any damage, loss or liability of any kind which we may incur including, without limitation, our reasonable attorneys' fees and court costs that result directly or indirectly, in whole or in part, from your access of the services and performance of transactions via Sky Fone Telephone Banking or iSky Online Banking.

Limitations on Import and Export:

You understand that our software and any Service Provider software includes encryption capabilities that are currently subject to strict export license requirements prior to export from the U.S. or Canada. You agree not to download, ship, transfer or export any of our or Service Provider software or technical data received from us or the Service Provider or their direct product into any country or use same in any manner prohibited by the United States Export Administration Act or the requirements of the Export Administration Regulations (15 CFR Parts 730-774) (the "EAR") or any other regulation, law or Executive Order. Your obligations under this provision shall remain in effect after termination of this Agreement.

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.
Please refer to the Schedule of Service Charges for additional information about charges.

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 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 pre-authorized electronic deposits of your net paycheck, payroll deductions, pension checks or federal recurring payments made to your account at least once every 60 days from the same person or company, you can call us at (310) 491-7500 in greater L.A., 1-800-421-7111 outside of greater L.A., or by using Sky Fone 24 hours a day at 1-800-523-9164 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 accounts.
     You will get a quarterly account statement from us for your savings accounts. If there are electronic transfers in a particular month, you will get a statement monthly.
     With a Savings Account, you will receive a quarterly statement electronically, a.k.a. an "eStatement," not paper via mail. With a Premier or Totally Free Checking Account, you will receive a monthly statement electronically, a.k.a. an "eStatement," not paper via mail. Should you have a Visa Credit Card, you will receive a monthly Visa eStatement, as well, versus a paper statement.
     In order to access your eStatements, it is your responsibility to complete the registration process by logging onto iSky Online Banking through the Credit Union website www.SkyOne.org using your Account Number, and iSky Online Banking Password, then by clicking the e-Services button, and by agreeing to the terms and conditions of the Consent and Authorization.

Online CHECK-in: Online CHECK-in is an online service, allowing eligible SkyOne Federal Credit Union members to receive immediate credit for check deposits before the check reaches us through the U.S. Mail.

Eligibility: To qualify for Online CHECK-in, you must be a member in good standing, which means meeting the following requirements on a monthly basis:

You have not incurred any charge offs or write offs on any share and/or loan accounts with the Credit Union.
You have no Chex Systems record.
You maintain an average daily balance of $5,000.00 or more for the previous three months. The average daily balance includes all deposit accounts - Savings, Checking, Money Market, or Certificates (including IRAs), OR you have a credit limit of at least $15,000.00 or more on your SkyOne VISA Credit Card, SkyOne Line of Credit, or Home Equity Line of Credit.

Deposit Limit: Checks deposited online using Online CHECK-in are limited to a combined total of $5,000.00 per session.*

*Note: Each login that results in a posted online deposit is considered an online session. You may complete more than one online deposit session as long as the $5,000.00 maximum online deposit limit is not exceeded.

Funds Availability: Funds are available immediately for checks deposited online using Online CHECK-in.

Deposit(s) Due Date: Your check(s) must be postmarked within 72 hours and received within 15 calendar days from the date of your completed Online CHECK-in deposit session. Deposits must be delivered to: P.O. Box 896, Hawthorne, CA 90250.

Terms/Conditions: Additional terms and conditions apply as noted in the Online CHECK-in eCommunication Disclosure, the Online CHECK-in Terms and Conditions Disclosure, and the All-In-One Account Disclosure, which you'll need to consent to prior to accessing the Online CHECK-in service.

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.

Funds from members' account may be transferred to another financial institution via the use of Wire Transfer. The Credit Union offers both incoming and outgoing wire transfer services. The following provisions apply only to those Funds Transfers as defined in Article 4A of the Uniform Commercial Code and do not apply to electronic funds transfers governed by Regulation E. In certain circumstances, the Credit Union may require execution of a Request for Wire Transfer. If you have entered into a specific Request for Wire Transfer with the Credit Union, the provisions herein supplement but do not contradict the Request for Wire Transfer. In addition, if Fedwire is used to send or receive a wire transfer, your rights and liabilities will be further governed by Regulation J. All requests must be submitted by 11:00 a.m. for same day processing. Payment orders, cancellations, or amendments received after the cut-off time may be treated as having been received on the next following funds transfer business day and processed accordingly.

Authorization.
All funds being wired must be available in the account at the time of processing.
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.
If we receive a funds transfer for you or for another person authorized to have access to your account, you agree that we are not obligated to provide you with the next-day notice of the receipt of the funds transfer. We will provide you with notification of the receipt of all funds transfers by including such items in the periodic statements which we provide. You may, of course, inquire between receipt of periodic statements whether or not a specific funds transfer has been received.
Security procedures.
We may establish, from time to time, security procedures to verify the authenticity of a payment order. You agree that the authenticity of payment orders may be verified using that security procedure unless you notify us in writing that you do not agree with this practice. In that event, we shall have no obligation to accept any payment order from you or other authorized parties on the account.
Provisional Payment
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.
Additional Terms and Conditions for Wire Transfers
The Credit Union may, in its sole discretion, reject any funds transfer request which: (1) exceeds the collected and available funds on deposit in your designated account(s); (2) is not authenticated to the Credit Union's satisfaction or which the Credit Union reasonably believes may not be authorized by you; (3) contains incorrect, incomplete, or ambiguous information; or (4) involves funds subject to a lien, hold, dispute or legal process pending their withdrawal. You understand and agree that the Credit Union shall incur no liability for any loss occasioned by the Credit Union's refusal to accept any funds transfer order.
The Credit Union shall have the right to charge the amount of any funds transfer request to any of your accounts at the Credit Union in the event that no account is designated, or in the event that a designated account has insufficient collected funds to cover the amount of a funds transfer request. The Credit Union may charge a service charge for services relating to the sending or receiving of the funds transfer request. Such charge(s) are set forth in the Credit Union's Schedule of Service Charges, which was previously provided to you and which is incorporated by this reference.
Except as expressly prohibited by applicable state and federal laws and regulations, you understand and agree that the Credit Union will not be liable for any loss or liability arising from: (1) any unauthorized transfer or interest thereon (including, but not limited to, fraudulent transfers and/or a transfer which the Credit Union failed to abide by the agreed upon security procedures) which you fail to report to the Credit Union within thirty (30) days after your receipt of notification of the transfer; (2) any negligent or intentional action or inaction on the part of any person not within the Credit Union's reasonable control, including, but not limited to, the failure of other financial institutions to provide accurate or timely information; (3) the failure of other financial institutions to accept a funds transfer order; (4) your negligent or intentional action or inaction and/or breach of this Agreement; (5) any ambiguity or inaccuracy in any instruction given to the Credit Union by you or your authorized agent; or (6) any error, failure or delay in execution of any funds transfer instruction, or cancellation or amendment caused by circumstances beyond the Credit Union's reasonable control, including, but not limited to, any computer or communication facilities malfunction.
Except as otherwise provided by applicable state or federal laws or regulations, the Credit Union's liability for any negligent or intentional action or inaction in connection with any funds transfer request shall be limited to your direct loss and payment of interest. UNDER NO CIRCUMSTANCES SHALL THE CREDIT UNION BE LIABLE FOR ANY LOST PROFITS, CONSEQUENTIAL, INDIRECT, PUNITIVE OR SPECIAL DAMAGES WHICH YOU MAY SUFFER IN CONNECTION WITH THIS AGREEMENT AND/OR ANY FUNDS TRANSFER REQUEST.

ADDITIONAL DISCLOSURES APPLICABLE TO PREAUTHORIZED PAYMENTS

If you have requested a pre-authorized payment from your account, the following information applies to you.

Initial Authorization. You can get copies of the pre-authorized payment documentation from the third party payee at the time you give them the initial authorization.
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 one time. 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 will require you to put your request in writing and get it to us within 14 days after you call or the stop payment order will cease to be binding.
Please refer to the Schedule of Service Charges for the amount we will charge you for each stop-payment order you give.
Right to revoke authorization of pre-authorized payments. If you revoke the authorization for a third party to make pre-authorized payments from your account, you must sign an affidavit with us stating that you have notified the third party of the revocation in the manner specified by the original authorization you signed. You are authorizing us to revoke or cancel the entire pre-authorized payment arrangement with that third party payee. Please refer to our separate fee schedule for our revoked authorization fee.
Notice of varying amounts. If these regular payments 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.)
If you stop payment on a pre-authorized payment from your account and that payment is a recurring debit, the stop payment only applies to a specific payment or a specific date for a specific amount. You are not revoking authorization for the third party to receive the recurring debit. The stop payment order remains in effect until the earliest of the following occur: a lapse of six (6) months from the date of the stop payment order, payment has been stopped, or you withdraw the stop payment order.
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.
If your account does not have sufficient funds to pay a pre-authorized payment, the request will be returned to the third party and your account will be charged a non-sufficient funds fee as stated in our Schedule of Service Charges.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. 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 enough money in your account to make the transfer.
If you have an overdraft line and the transfer would exceed 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.
Your ATM card, VISA® Check Card, ATM PIN, or VISA® Check Card PIN has been reported lost or stolen, has expired, is damaged so that the ATM cannot read the encoding strip, is retained by us at your request, or because your ATM/VISA® Check Card PIN has been repeatedly entered incorrectly.
Failure to complete the transaction if done to protect the security of your account and/or the electronic terminal system.
We received incorrect or incomplete information from you or from third parties (e.g. U.S. Treasury, an automated clearing house or a terminal owner).
There may be other exceptions stated in our agreement with you.
If there are postal delays or processing delays by the payee.
If you are in default on an account you are attempting a transfer.
If you fail to properly follow Sky Fone Telephone Banking or iSky Online Banking or software instructions on how to make a transfer or payment.
If you fail to authorize a payment soon enough for the payment to be made, transmitted, received or credited by the payee.
If there is a malfunction in your personal computer, browser or software.
If the transfer could not be completed due to system unavailability or a telecommunication or service provider failure.

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

where it is necessary for completing transfers; or
in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
in order to comply with government agency or court orders; or
as explained in our separate Privacy Policy.

MEMBER LIABILITY

YOU MAY BE LIABLE for all authorized or unauthorized uses of a Card, PIN or iSky Online Banking, Sky Fone Password.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

• Generally. Tell us at once if you believe your card and/or PIN has been lost or stolen, 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 of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you believe your card and/or PIN has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft of your card and/or PIN you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or PIN, and we can prove we could have stopped someone from using your card and/or PIN without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers made by card, PIN or other means that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

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

• Limited Liability for ATM/VISA® Check Card. Your liability is further limited if your card can be used to initiate a transaction for which you are not required to provide identifying information, such as a Personal Identification Number. You could lose all the money in your account. Your liability for the unauthorized use of your card will be no more than $50 if you notify us of the unauthorized use.

In addition, when used in point-of-sale transactions, and unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions if your card is lost or stolen. This limit on liability does not apply to ATM transactions or to transactions using your PIN which are not processed by VISA®.

If you fail to notify us of an unauthorized use that appears on a periodic statement within 60 days of our transmittal of the statement, and we can establish that we could have prevented the unauthorized use if you had notified us within this period, you will be liable for each unauthorized transfer (other than VISA® point-of-sale transactions) that occurs after the close of the 60 days and before you give us notice.

If you fail to notify us because of extenuating circumstances beyond your control that contributed to your delay in notifying us, such as a serious physical impairment or hospitalization, this time period may be extended.

(b) Contact in event of unauthorized transfer. If you believe your card and/or PIN has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check or draft without your permission.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed on the back of this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

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 ATM/VISA® Check Card 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 ATM/VISA® Check Card 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 and reverse any provisional credit applied to your account.

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

If you believe your Personal Identification Number (PIN) has been lost or stolen or that an unauthorized transfer from any of your Accounts has occurred or may occur, contact SkyOne Federal Credit Union immediately.

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

ADDITIONAL DISCLOSURES
APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS

If you requested SkyOne Federal Credit Union to issue you a VISA® Credit Card or ATM/VISA® Check Card to be used to transact business at an automated teller machine (ATM), then the following applies to you.

When using the VISA® Credit Card at a VISA® Network ATM. You may, with your PIN, make cash advances from your credit card account only. You will not be able to access your other accounts via the VISA® Network ATM. We may offer additional services in the future and, if so, you will be notified of them.

Ownership of card. The term "Card" means any ATM/VISA® Check Card or VISA® card subject to this Agreement as disclosed. The Card is the property of the CREDIT UNION and you agree to surrender the Card to the CREDIT UNION promptly upon demand. We may cancel, modify or restrict the use of the Card upon proper notice or without notice if your account is overdrawn, if we are aware that you have violated any term of the Disclosure and Agreement (whether or not we suffered a loss) or where necessary to maintain or restore the security of your account(s) or the ATM system.

Confidentiality of PIN. You agree to hold your Personal Identification Number (PIN) in strict confidence, and you will notify the CREDIT UNION immediately if the ATM card or PIN is lost or stolen. As a precaution you should:

Not write your PIN on your ATM card or any material carried near or with your card.
Never let anyone else use your card.
Never tell anyone your PIN.
Never let anyone watch you use your card or PIN at an ATM.

If you forget your PIN you may contact us and a duplicate will be issued at a charge set forth in our Schedule of Service Charges.

TRANSACTION AUTHORIZATION

By use of your VISA® Credit Card at any VISA® Network ATM with your PIN, you authorize us to charge your VISA® account in accordance with instructions you give the ATM.

If you authorize us to issue an ATM/VISA® Check Card (or any other access device) to anyone else, or if you permit any person to use your card, you authorize that individual to withdraw funds from any account (including your line of credit account) which can be accessed by the ATM/VISA® Check Card, regardless of whether that individual is authorized to withdraw funds from the account by means other than the use of the ATM/VISA® Check Card.

OVERDRAFT TO A LINE OF CREDIT

Other than by the specific overdraft provision agreed to by you separately, you may not use your ATM or VISA® Check card(s) to overdraw your checking account, your regular savings account, or your line of credit, unless applicable. However, if you do overdraw, you authorize us to cover the overdraft as follows:

Overdrawn Checking Account: Withdraw funds from your regular savings account or make a cash advance from your line of credit, if any, or make a withdrawal from your other accounts, including accounts on which you are a joint owner.
Overdrawn Regular Savings Account: Withdraw funds from your checking account or make a cash advance from your line of credit, if any, or make a withdrawal from your other accounts, including accounts on which you are a joint owner.
Overdrawn Line of Credit: Withdraw funds from your regular savings account, checking account or from your other accounts, including accounts on which you are a joint owner.

Overdrafts which cannot be honored are payable upon demand and may result in termination of your account(s).

NOTICE OF ATM/NIGHT DEPOSIT
FACILITY USER PRECAUTIONS

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
Compare your records with the account statements you receive.
Don't lend your ATM card to anyone.
Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
Prevent others from seeing you enter your PIN by using your body to shield their view.
If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

ADDITIONAL DISCLOSURES APPLICABLE TO ALL
ELECTRONIC TRANSFERS

Verification. All transactions affected by use of the ATMs or Sky Fone Telephone Banking or iSky Online Banking, which would otherwise require your signature, or other authorized signature, shall be valid and effective as if signed by you when accomplished by use of the ATM/VISA® Check Card and PIN, VISA® card and PIN, or iSky Online Banking Password.

Cancellation/termination of electronic services. You may cancel any electronic services, in whole or in part, at any time by notifying us in writing by mail and by actually discontinuing use of the electronic service. If you cancel any service requiring the use of a Card, you agree to cut up all Cards issued to you and return them to us. Cancellation by any one account owner will be binding on all account owners and we are not required to notify the other account owners of the cancellation. Additionally, all electronic services will automatically be cancelled if you close all of your accounts with us. Electronic services may be suspended, without advance notice, if there are insufficient funds in any one of your accounts with us or if any of your accounts are not in good standing. After suspension, electronic services may be reinstated once there are sufficient funds in your accounts to cover any fees and other pending debits and transfers. Upon your cancellation or our termination of bill payment services you agree to notify any third parties receiving bill payment transfers that their authority to make bill payment transfers has been revoked and we will have no responsibility in this regard. Your cancellation or our termination of electronic services does not terminate your accounts or agreements with us and will not affect your obligations under this Disclosure and Agreement, or any account or other agreement you have with us or your obligations for transfers and payments made prior to cancellation or termination.

Collections. You agree that the CREDIT UNION shall be entitled to recover any money owed by you as a result of your use of ATM or other "electronic services," and you agree to repay any withdrawals which create an overdrawn balance on any of your accounts. The CREDIT UNION has a security interest in your present and future deposits and has the right to apply deposits to any money you owe. If any legal action is required to enforce any provision of this Disclosure and Agreement or to recover money owed by you, you agree to pay all costs, including attorney's fees.

Copy received. You acknowledge receipt of a copy of this Disclosure and Agreement.

Applicable law. This Disclosure and Agreement shall be construed and governed in accordance with the laws of the State of California.

NOTICE: IF YOU DO NOT AGREE TO THE TERMS OF THIS DISCLOSURE AND AGREEMENT, DESTROY YOUR ATM/VISA® CHECK CARD IMMEDIATELY BY CUTTING IT IN HALF, AND RETURN IT TO SKYONE FEDERAL CREDIT UNION.

Disclosure controls. Both you and the Credit Union will be bound by this Disclosure and Agreement. If there is a conflict between this Disclosure and Agreement and something said by one of our employees, you agree that this Disclosure and Agreement controls.

Foreign transactions. Transactions in foreign currencies will be converted (as appropriate) into U.S. dollars equivalent as of the date of the foreign transactions.

Prior agreements. All agreements applicable to your various Accounts, Certificates or loan relationships with the Credit Union shall be applicable to all transactions initiated by the Card, PIN or Sky Fone Telephone Banking or iSky Online Banking (Home Banking) Password.

The Credit Union will NOT BE RESPONSIBLE for any direct or incurred losses or the failure to credit any attempted deposits into any Account.

P.O. BOX 5003, HAWTHORNE, CA 90251-9801
(310) 491-7500 (Greater Los Angeles Area)
(800) 421-7111 (All Other Areas)

Last revised 1/4/2010
2144816-020
© 1988, 1993, 1996 Wolters Kluwer Financial Services - Bankers Systems™
Form AIB-TIS-CU 9/3/96 Custom TC,2ba,3o,4q