Business Account Disclosures

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1 220 E. Nine Mile Road Pensacola, FL Fax Business Account Disclosures This document contains the rules, terms, and conditions which govern your accounts with Gulf Winds Federal Credit Union. Please read this document carefully. You are urged to keep a copy of this document. Please call us if you have any questions. As used in these Agreements and Disclosures, the words We, Us, Our and Credit Union mean GULF WINDS FEDERAL CREDIT UNION. The words You and Your mean each account owner or authorized signer using any of the services described in this document. Account means any account or accounts established for you as set forth in these Agreements and Disclosures. The word Card means any ATM and/or Visa Debit Card issued to you by us and any duplicates or renewals we may issue. Our Audio Response System is referred to as Phone Banking, Our Online Banking System is referred to as GWFCU Online and E-Check means any check which you authorize the payee to process electronically. For accounts with multiple authorized signers, read singular pronouns in the plural. GULF WINDS FEDERAL CREDIT UNION MEMBERSHIP Your signature on the membership agreement informs the Credit Union that you would like to join the Credit Union and that you agree to conform to the Credit Union s Bylaws and Amendments. Credit Union membership is granted to applicants within Gulf Winds Federal Credit Union s common bond as outlined in the Credit Union s Charter. By signing your account agreement, you acknowledge receipt of these agreements and disclosures, including the terms and conditions which apply to your accounts. ACCOUNT AGREEMENT YOU AGREE AND ACKNOWLEDGE THAT THIS AGREEMENT CONTROLS YOUR ACCOUNT(S) WITH GULF WINDS FEDERAL CREDIT UNION, TOGETHER WITH ANY OTHER RELATED DOCUMENT SUCH AS OUR FUNDS AVAILABILITY POLICY AND ELECTRONIC FUNDS TRANSFER AGREEMENT AND/OR AGREEMENTS AND DISCLOSURES, ALL OF WHICH, TO THE EXTENT APPLICABLE, ARE INCORPORATED INTO THIS AGREEMENT BY REFERENCE. ACCOUNT OWNERSHIP. Business accounts will only be opened by the Credit Union if any documentation we may request and that is subsequently presented by you to the Credit Union is in a manner acceptable by the legal structure of the business establishing such account. It is your responsibility to determine and understand any legal effects related to this type of account. SOLE PROPRIETORSHIP ACCOUNTS. You shall take all action necessary so that in the event of your death, your estate shall release and indemnify the Credit Union for any payment made at the direction of an authorized signer of your account provided the Credit Union has not received actual notice of your death prior to such payment being made. If you are doing business under an assumed name, you represent that you have properly filed all required paperwork as set out in the laws for the state in which you are organized to do business in. PAYMENT OF ACCOUNTS. Except payees named on any check or other item drawn on your account, such account may only be paid to you and not any director, shareholder, partner or authorized signer as may be applicable. POWER OF ATTORNEY. If you name a person to act as your attorney-in-fact or agent in any way with your account, we are only obligated to deal with such person if we, in our sole judgment, approve of the form of appointment and the supporting documentation. DEPOSIT OF ITEMS. You may make deposits to your account using any method available from us, including deposits in person, by mail or electronic means. We have the right to refuse to accept any check or instrument for deposit at our sole discretion. If you make a deposit on an item and it is returned unpaid, we will debit your account for the amount of the item and charge you a Returned Deposit Fee. You will be liable to us for the amount of any item you deposit which is returned unpaid, and in addition, will be responsible for any of our costs and expenses incurred in the collection of such returned item from you, including reasonable attorney fees. Subject to our Funds Availability Policy, you may not be able to withdraw funds from your account until we have received final settlement for any items deposited. COLLECTION AND PROCESSING OF ITEMS. In processing items you have deposited for collection, we are only your agent and assume no responsibility beyond the exercise of ordinary care. Any item deposited is subject to final settlement in cash or credit. We may use any method we feel is appropriate to collect items, which may include use of a Federal Reserve Bank. We are not responsible for the acts of any third party we use for the collection of items including responsibility for lost items. We may, however, if final settlement is not made, have the right to charge your account or otherwise require you to repay such funds. In processing items presented for payment on your account, we will pay such items each business day based solely on the share draft number of the item presented for payment, and in ascending order (e.g. number 1337 will be paid before number 1340), subject to the available funds in that account. All of which means that the transactions may not be processed in the order in which they occurred and that you could incur multiple fees in a single day should there be insufficient funds to pay all items presented that day. OVERDRAFT PROTECTION. To the extent permitted by law, you authorize us to transfer funds from other accounts you may have with us in necessary multiples (or in such increments as we may from time to time determine) to your account to cover any overdraft. If you have a line of credit of Overdraft Privilege service with us, transfers will be made first from your primary share account, provided you have enough available funds in that account, then from your line of credit up to your available credit limit, and then from your Overdraft Privilege subject to any preference you have indicated to us for clearing any such overdraft(s). Overdraft transfers are subject to transfer fee. You hold us harmless from any and all liability which might otherwise exist if a transfer does not occur. OVERDRAFT PRIVILEGE. If you have been provided with Overdraft Privilege and such service has not been suspended by us or you have not otherwise opted-out of such service, you understand and agree that we may from time to time, and at our sole discretion, pay certain items in order to cover any overdraft, and charge you a fee for doing so. Overdraft Privilege is limited to a preset amount, inclusive of applicable fees and we will not pay any overdraft that would result in your share draft account being overdrawn in an amount that exceeds the limit that we have disclosed to you separately. You further understand that payment of these overdrafts will be made in an order of our choosing, subject to our Overdraft Privilege Policy in force at the time of any such payment. NOTICE OF RECEIPT OF ACH ITEMS. Under the operating rules of the National Automated Clearing house Association which are applicable to ACH transactions involving your account and as permitted by law, we are not required to give you next day notice of receipt of an ACH item, and we will not do so. We will continue to notify you of the receipt of payments in the periodic statements we provide to you. PROVISIONAL PAYMENT. Credit given by us to you with respect to any automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refunds of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you the amount of such entry. CHOICE OF LAW. We may accept payments on your behalf for your account which have been transmitted through one or more Automated Clearing Houses ( ACH ) and which are not subject to the Electronic Funds Transfer Act. Your rights and obligations with respect to such payments shall be constructed in accordance with and governed by the laws of the state of New York as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions INACTIVE OR DORMANT ACCOUNTS. Inactive accounts (accounts with no withdrawals or deposits within a one year period) may be subject to a Dormant Account Fee. We have no liability if your account becomes dormant and is therefore subject to escheatment in accordance with state and/or federal law. LIEN IMPRESSMENT AND SET-OFF. You agree that we have a statutory lien on and a right of setoff against any funds in any account in which you have an ownership interest at the Credit Union, regardless of the source of the funds. We may apply these funds, without further notice to you, to pay off your indebtedness as a borrower, guarantor, or endorser to us. The right of set-off and our impressed lien does not extend to any Keogh, IRA or similar tax deferred deposit you may have with us.

2 MINIMUM BALANCE REQUIREMENTS, FEES AND SERVICE CHARGES. You agree to pay us any applicable fees or charges, and are responsible for any minimum balance requirements and deposit requirements called for in our Agreements and Disclosures provided to you when you opened your account. In any case and with proper notice to you, fees, charges, balance requirements and deposit requirements may be changed by us from time to time. RESTRICTIVE LEGENDS. We are not liable for any consequences resulting from the payment of a check that contains a restrictive legend or other such limitation (e.g. Void after 90 days, Not valid over $500 or Two signatures required ) unless we have previously agreed, in writing, to the restrictions and/or limitations. SUSPENSION OF SERVICES. We have the right to suspend the benefit of any Credit Union service at any time for reasonable cause. At our discretion, we also have the right to pay any share draft presented for payment from your account after your account is closed or suspended and to recover such amount paid from you. Account services are available to those members in good standing with the Credit Union. We reserve the right to cancel or suspend services to a member who is not in good standing, which includes members that have: (a) a delinquent loan; (b) a Business Share Account balance below the $5.00 minimum, as is applicable, (c) an unresolved deposited returned check; (d) any unpaid and uncollected fees; (e) a negative balance on an account; or (f) caused a financial loss to the Credit Union. DENIAL OF SERVICES Any member who has caused Gulf Winds a loss may be denied all credit union products and services except for their ability to maintain a Primary Share Savings account and to vote in annual or special meetings. A member may also be denied products and services and access to Credit Union facilities or events for reasons related to a member s abusive or threatening behavior or for any other reason that poses a safety and soundness threat to the Credit Union. AGREEMENTS AND DISCLOSURES. The Agreements and Disclosures provided to you at the time you opened your account and referred to throughout this agreement, contain: (a) a list of fees and charges applicable to your account; (b) the dividends and applicable annual percentage yield (APY); (c) how dividends are credited or compounded; and (d) other pertinent information related to your account. Your Agreements and Disclosures may be amended by us from time to time in a manner as prescribed by law. STOP PAYMENTS. You may ask us to stop payment on a share draft. For any such request to remain valid, however, you must also supply us with a written request within 14 days after you make any such oral request. Your request must be given to us in a timely manner so that we have a reasonable opportunity to act on your request. A written stop payment request is effective for six months. If at the end of six months you request us to continue the stop payment order, that request will be treated as a new request. We are not liable if we pay a share draft which you have requested us to stop payment on as long as we act in good faith and exercise ordinary care. In any event, any damages that we might otherwise be liable for shall not exceed the amount of the involved share draft. If we do pay a share draft for which you have requested stop payment and as a result any other item is returned unpaid by us due to nonsufficient funds, we are not liable for any consequences resulting from such action. If your account is a joint account, any owner of the account may request a stop payment. Any release of a stop payment order must be made by the person who made the request. If you ask us to stop payment on a pre-authorized transfer, your request will be processed under the provisions of our Electronic Funds Transfer Agreement with you. Stop payment requests are also subject to the terms and conditions of the order for stop payment form related to any such request. You may also ask us to stop payment on a lost or stolen cashier s or teller check and if you do, you agree to execute a Affidavit of Loss and Indemnity Agreement form together with any other documentation we may require. Regardless of the type of documentation presented to us, the request must be in a form acceptable to the Credit Union and given to us in a timely manner so that we have reasonable opportunity to act on such request. Such Affidavit of Loss and Indemnity Agreement will not become effective until the later of (a) 90 days after the issuance date of the check; or (b) the date we receive the Affidavit of Loss and Indemnity Agreement together with any other required documentation. SHARE DRAFTS AND OTHER ACCOUNT ACCESS DEVICES. Any share draft or other account access device which does not meet our standards for acceptance may be rejected by us, whether such standards are established by law, regulation or our own policy. If you subsequently request a copy of a share draft and we are unable to supply it, then we shall not be liable for any damage you may sustain in excess of the face amount of the involved share draft. PERIODIC STATEMENTS. You will be provided with a periodic statement showing activity on your account. If you believe any statement reflects discrepancies, you must notify us of such discrepancies within 30 days from the date we mailed the statement to you. If the discrepancy noted is the result of an electronic funds transfer, then the provisions of our Electronic Funds Transfer Agreement with you will control resolution of the matter. ORGANIZATIONAL, PARTNERSHIP OR CORPORATION ACCOUNTS. If your account is an organizational, partnership or corporate account, you will supply us with a separate authorization informing us of the authorized signers for the account and provide any other related documents if we request you to do so. We require that all partners, owners or organizational members be individually eligible for membership. AUTHORIZED SIGNERS. If you establish your account with authorized signers, or you subsequently appoint any authorized signers, you understand and agree that the Credit Union will not at any time be liable for the actions of such authorized signers and/or be obligated to ensure that their actions are in accordance with any instructions you have provided to them. Any appointment of an authorized signer, together with any subsequent revocation or change must be in writing and in a form acceptable to us. It is your responsibility to determine any legal effects related to your appointing any authorized signers on your account. NOTIFICATION OF ADDRESS CHANGE. You will notify us promptly if you move or otherwise have a change of address. In the event we are unable to locate you, you agree to pay all fees associated with maintaining an invalid address in our records and any costs and locator fees incurred in our locating efforts. WAIVERS. You agree and understand that our failure or delay to exercise any right, remedy, power, or privilege available to us pursuant to this agreement shall not affect or disallow our future exercise of that right, remedy, power or privilege. FEDERAL DEPOSIT INSURANCE. Funds on deposit in Credit Union accounts are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government. GOVERNING LAW. This agreement shall be governed by the laws of the State of Florida, except to the extent that federal law controls. ARBITRATION. Any controversy or claim arising out of or relating to these agreements and disclosures, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with its arbitration rules and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. All parties hereby waive and give up all rights to a jury trial or class action relief. INDEMNITY. You agree to indemnify and hold harmless the Credit Union and our successors and assigns, from any claim, action, liability, loss, damage or suit, arising out of any action or inaction on our part in connection with these Business Agreements and Disclosures and/or your failure to abide by its terms. In the event of any claim, we shall provide you with reasonable and timely notice of such claim, and thereafter you shall at your own expense defend, protect and hold harmless the Credit Union against said claim or any loss or liability thereunder. In the event you fail to defend and/or indemnify and hold us harmless, then in such instance we shall have full rights to defend, pay or settle said claim on your behalf without notice to you and with full right of recourse against you for all fees, costs, expenses and payments made or agreed to be paid to discharge said claim. You further agree to pay all reasonable attorneys fees necessary to enforce such provision. Such indemnity shall be unlimited in amount and duration and be binding upon and inure to the benefit of all parties, their successors, assigns and personal representatives. CREDIT REPORTING NOTICE. We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. POSTDATED, STALE OR OVERDRAFT SHARE DRAFTS. You understand that postdating a share draft will have no effect on whether or not it is honored prior to or after the date of any such share draft. A stale share draft is any share draft received by us that is dated six months or more prior to the date of receipt. We may pay or refuse to pay any postdated, stale or overdraft share draft, or other item presented for payment on your account without any liability. SHARE DRAFT SAFEKEEPING. Share draft safekeeping is automatic on your account and your cancelled share drafts will not be returned to you. You understand that cancelled share drafts retained by us are later destroyed after a reasonable period of time.

3 ACCOUNT DISCLOSURES The following disclosures contain important information and the terms and conditions of any account or accounts that you may have with us. Wherever used, APY means annual percentage yield. SPECIFIC TERMS APPLICABLE TO YOUR BUSINESS SHARE ACCOUNT Variable Rate Information. This account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the separate page titled Business Account Deposit Rates which we have included with and made a part of this disclosure. Minimum Balance Requirements. The minimum balance required to open this account is $5.00. You must maintain a balance of $5.00 in your account each day to obtain the disclosed annual percentage yield. SPECIFIC TERMS APPLICABLE TO YOUR BUSINESS SHARE DRAFT ACCOUNT Such step-up option can be exercised once during the initial term of your account. Regardless of the type of account established, you may not withdraw dividends unless you have previously made arrangements to do so at the time your account is established. SPECIFIC TERMS APPLICABLE TO YOUR SECONDARY SHARE ACCOUNT Variable Rate Information. This account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the separate page titled Business Share Account Rates which we have included with and made a part of this disclosure. Variable Rate information. This account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the separate page titled Business Share Account Rates which we have included with and made a part of this disclosure. Minimum Balance Requirements. You must maintain a balance of $ in your account each day to avoid a fee. Transaction Limitations. No transaction limitations apply to this account. SPECIFIC TERMS APPLICABLE TO YOUR NON-PROFIT BUSINESS SHARE DRAFT ACCOUNT Variable Rate Information. This account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the separate page titled Business Share Account Rates which we have included with and made a part of this disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this account. Transaction Limitations. No transaction limitations apply to this account. SPECIFIC TERMS APPLICABLE TO YOUR TERM SHARE CERTIFICATE ACCOUNTS Fixed Rate Information. These accounts are subject to a Fixed Rate. For the dividend rate and corresponding APY, refer to the separate page titled Business Share Account Rates which we have included with and made a part of this disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this account. Maturity Date. Your account will mature after the term indicated on the separate page titled Business Share Account Rates which we have included with and made a part of this disclosure. Early Withdrawal Provisions. We will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on the amount withdrawn on 6, 12 and 18 month term share certificates. The penalty imposed will equal 180 days of dividends on the amount withdrawn on 24, 36, 48 and 60 month term share certificates. Renewal Policies. Accounts are automatically renewable accounts. Upon maturity, accounts automatically renew for the same term unless otherwise noted. You will have a grace period of five calendar days following the maturity date to make deposits and/or withdrawals without penalty. Transaction Limitations. Once your account is established, you may not make withdrawals of principal from your account and you may not make deposits into your account, unless you are exercising a step up rate feature on a Step-Up Term Share Certificate Account. If your established account is a Step-Up Term Share Certificate Account, you may elect to step-up the dividend rate and corresponding APY to the then current rate being paid on such account, and if you elect to do so you may make a one-time deposit into your account and the original maturity date will be extended by the number of months previously elapsed on your account. Minimum Balance Requirements. No minimum balance requirements apply to this account. You must maintain a balance of $5.00 in your account each day to obtain the disclosed annual percentage yield. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of your ATM or debit card, or other electronic means, as is applicable, (including any in-person transaction), that is presented to us for payment on your account when your account lacks sufficient collected funds to pay any such item may, at our option, be returned for nonsufficient funds or we may honor any such item. Regardless of whether the item is paid we will charge you a fee. Minimum Balance Requirements. To be a member and maintain accounts with us you must purchase one share in the Credit Union. The par value of a share in this Credit Union is $5.00. If the balance in your account drops below one share ($5.00), for a period of six months or more, we may, at our option, close your account. Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Withdrawal of Dividends Prior to Maturity. For Term Share and Step-Up Term Share Certificate Accounts, the annual percentage yield assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings. Additional Transaction Limitations. Share Savings Accounts: Transaction limitations will apply. No more than six (6) pre-authorized, automatic, phone or computer transfers, may be made from this account to another account of yours or to a third party in any month. If you exceed these limitations, the transaction may be returned, unpaid, and your accounts may be subject to a fee or closure. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. Compounding and Crediting. For all dividend-bearing accounts, dividends will be earned daily for each day on which your balance exceeds the minimum daily balance requirement for your account. Dividends will be compounded and credited as set forth on the Business Share Account Rates page. For term share certificate accounts, the dividend period begins on the first calendar day of the month and ends on the last calendar day of each month. For savings and checking, dividends are compounded and credited at the end of each month. Balance Computation Method. For all dividend-bearing accounts, dividends are calculated by the daily balance method which applies a daily periodic rate to the entire principal balance in your account for each day. Accrual of Dividends on Noncash Deposits. For dividend-bearing accounts, dividends will begin to accrue on the business day that you deposit noncash items (for example, checks) into your account. Fees and Charges. Any fees and charges applicable to your account are disclosed separately in the Schedule of Fees and Charges provided in conjunction with these Agreements and Disclosures.

4 ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE Terms and Conditions of Your Business Check Card Services with the Credit Union This Agreement explains the rules which govern your account(s) and account services with us. Please read this Agreement carefully and keep them in a safe and convenient place. All Credit Union services are further governed by the terms and conditions set forth in any other application or agreement we require; together with the Credit Union's Bylaws, policies and procedures, which are herein collectively referred to as "Agreement". COMPANY ACKNOWLEDGES AND UNDERSTANDS THAT THE CARDS ISSUED UNDER THIS AGREEMENT TO AUTHORIZED REPRESENTATIVE(S) AND/OR AUTHORIZED USER(S) WILL NOT BE TREATED AS CONSUMER CARDS UNDER THE PROVISIONS OF STATE AND FEDERAL LAW. MEMBER WILL NOT HAVE THE BENEFIT OF ANY LIMITATIONS OF LIABILITY WITH RESPECT TO THE UNAUTHORIZED USE OF PIN-BASED TRANSACTIONS. MEMBER ACCEPTS AND AGREES TO UNDERTAKE THE ADDITIONAL RISK ASSOCIATED WITH USE OF BUSINESS PURPOSE CARDS AND AGREES TO ASSUME THE GREATER MEASURE OF LIABILITY DESCRIBED IN THIS AGREEMENT. Definitions: In this Agreement the words "you" or "your(s)" means the Company or Commercial Entity with whom this Agreement is made together with all Representatives and Authorized Card Users as explained herein. "We, "us, or "our" means the Credit Union. Authorized User means any person who has actual, implied or apparent authority, or to whom any business account Representative has at any time given any information, access device or documentation that enables such a person to access, withdraw, make transactions to or from your accounts, or to use any of your account services. If any Authorized User authorizes anyone to use the Company s access device(s), that authority shall continue until you specifically revoke such authority by notifying the Credit Union in writing or as required by applicable laws. This definition is intended to be construed broadly and includes without limitation all users acting under a written document such as a power of attorney as well as any person or entity that is authorized to make deposits or debits to or from your accounts with us. Liability and Promise to Pay: Company agrees to be unconditionally and without limitation liable for all Transfers effectuated by use of the Visa Business Check Cards, whether authorized or unauthorized, whether utilized by Authorized User(s) or some other person, and whether arising from cards lost, stolen, or counterfeited. All employees who are granted use of any Access Device(s) shall be deemed third party beneficiaries of the accommodation extended hereunder and of the terms and conditions of this Agreement. The Credit Union will be liable only for its own gross negligence or willful misconduct and will not be responsible for any loss or damage arising from or in connection with: (1) any inaccuracy, act or failure to act on the part of any person not within our reasonable control, or (2) any error, failure, or delay in execution of any Transfer resulting from circumstances beyond our reasonable control, including, but not limited to, any inoperability of communications facilities or other technological failure. Provided we have complied with our obligations under this Agreement, you agree to indemnify, defend, and hold Credit Union harmless against any claim of a third party arising from, or in connection with, this Agreement or the service we provide hereunder. Credit Union shall have no liability for consequential, punitive, indirect or special damages under any circumstances. Credit Union shall not be liable for circumstances beyond its control, such as fire, flood, and other acts of God, that prevent a transaction from being completed. Issuance of Cards and/or Access Device(s): Card(s) and/or Access Device(s) (together Access Device(s) ) will be used by your employees, agents, or other persons to whom the Access Device(s) are provided (all of whom shall be deemed Representative or Authorized User(s) under the terms of this Agreement) to initiate withdrawals or transfers from your Company s account(s) via ATMs, through participating Visa merchants, and other transactions using such Access Device(s). Company represents to the Credit Union that the Access Device(s) are intended to be used for business, commercial, or agricultural purposes, and not for personal, family or household purposes. The use of Access Device(s) for any consumer purpose is a breach of this Agreement and may result in the immediate termination of the Agreement. Prior to using any Card, Company shall confirm to Credit Union that Company has received the Card and related Personal Identification Number ( PIN ) in the manner stated in the materials that accompany the Card. Credit Union is authorized to debit the Company s Account for each purchase, cash withdrawal, or other transaction made with the Access Device(s), unless the Credit Union has received a Notice of Cancellation in the manner set forth below and the Credit Union has had a reasonable time to act on such notice. Company acknowledges that it is responsible for payment of all transactions arising from the use of the Access Device(s). Requesting New/Additional Access Device(s): Any authorized user may request new or replacement access devices. Company agrees (a) to instruct its Authorized User(s) to use the Access Device(s) only in accordance with this Agreement and any internal policies that Company may establish regarding the use of the Access Device(s); (b) that any policies that Company has established regarding the use of Access Device(s) have not been reviewed by and are not binding on Credit Union or any network that accepts the Access Device(s); (c) Company will maintain sufficient funds in the Account to cover transactions made with Access Device(s) and will indemnify and hold Credit Union harmless for any transaction made using the Access Device(s); (d) Company is solely responsible for the security of the Access Device(s) and for the actions of any person that Company permits to use the Access Device(s), and for all use of the Access Device(s) whether by an Authorized User or by another person, unless the Company has completed a new Business Membership Agreement and Signature Authorization Form identifying all Authorized Users for the business account, as set forth above and the Credit Union has had a reasonable period of time to act on the notice; and (e) there are no limits to the Company s liability if the Card or PIN is lost or stolen, except as set forth herein. Consent to the Scope of Rules Governing these Service(s): Company consents to be bound by the terms of this Agreement and any other agreements it has with Credit Union, together with all applicable state and federal laws and regulations, other industry rules and regulations, and normal banking customs and practices. This Agreement includes any Rules issued by third parties including but not limited to the National Automated Clearing House Association or VISA, which rules are incorporated herein by reference. In addition, this Agreement shall be governed by applicable operating circulars of any Federal Reserve Bank, any applicable federal laws and regulations. To the extent that the terms of any such third party agreements provide for specific processing, reporting or other time periods, or require you to make any claims or provide any notifications or responses, then the third parties requirements and rules shall govern despite any other general or specific terms or conditions set forth in the entirety of this Agreement. Notice Obligations of the Company: Company shall immediately provide Credit Union with a notice that a Card has been lost, stolen, misplaced, or used without authorization, or that Company wishes to cancel or terminate a Card (any such notice is called Notice of Cancellation ). Any Notice of Cancellation may be made by contacting the Credit Union, but Company shall follow any oral notice with a written notice confirming the oral notice within two (2) business days. Any Notice of Cancellation must refer to the Card number, and a written Notice of Cancellation must be addressed as follows: Gulf Winds Federal Credit Union Debit Card Department 220 East Nine Mile Rd. Pensacola, FL The Company will use its best efforts to recover and terminate the Card, and to promptly return it to Credit Union. Credit Union will not be obligated to act on any oral or written Notice of Cancellation unless the notice has been delivered to the telephone number or mailing address set forth above, the notice has actually been received by the Credit Union and the Credit Union has had a period of not less than two (2) business days after actual receipt of a Notice of Cancellation to act thereon. Even after a Card has been cancelled, transactions for which Credit Union is responsible under applicable network rules may be posted to the Account. Liability Protection Under Visa s Zero Liability Policy: These terms apply only to Signature Based transactions conducted via the VISA Network. Company understands that Visa s Zero Liability Policy shall protect it against unauthorized Credit Union transactions that may be made with an Access Device IF the transaction(s) are processed as a signature based transaction (does not include pin-based transactions) through the VISA Network. Visa s Zero Liability Policy covers U.S. issued cards only and does not apply to commercial transactions not processed directly via the VISA Network. If Company suspects any Access Device(s) have been lost or stolen, Company may not be responsible for any unauthorized purchases if Company reports the theft promptly. Upon notification from Company of unauthorized Business Check Card transactions, Credit Union shall limit Company s liability for those transactions to zero unless (a) Company is found to have been negligent in the handling of it s Business Check Card, (b) the transactions were performed by an authorized representative of Company, or (c) other reasons exist which justify that Company should be liable. The Credit Union requires such notification to be received within 60 calendar days of the mailing date of the first statement showing any unauthorized VISA Network transaction(s). In evaluating Company s claim, Credit Union shall consider whether negligence on Company s part has contributed to the transaction(s) in question. Company may be responsible for a loss if, based on substantial evidence, it is reasonably determined that Company was negligent or fraudulent in the handling of any Access Devices or account. Credit Union may provide Company with provisional credit for unauthorized VISA Network transactions within five business days from receipt of notification. Additionally, Credit Union may require written confirmation of the unauthorized VISA Network transactions before providing any provisional credit.

5 Overdrafts: If the payment of an item does overdraw the Account, Credit Union may charge all or a portion of the item against any deposit account maintained with Credit Union by Company. Company agrees that Credit Union has the right to place an immediate hold on funds in any of Company s deposit accounts to pay for Card transactions which are subsequently presented to Credit Union for payment. If Credit Union pays a Card item which results in an overdraft of the Account, Company agrees to deposit sufficient funds to cover the overdrawn amount immediately. Privilege Pay applies to Business Visa Check Cards if Company is approved for this service. Statements: Each month Company will receive an account statement showing, among other things, all debits made by use of the Access Device(s). Company agrees to promptly review the account statement and notify Credit Union in writing at the address indicated below of any disputes regarding any signature card transactions. Error Resolution Rules For Visa Business Check Card: If you need more information, or think your statement or receipt is wrong, or you have a merchant dispute or possible card fraud, write to the Credit Union, at the address provided above, on a separate sheet or fax to as soon as possible. Credit Union must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. You may telephone the Credit Union at or , but doing so will not preserve your rights, and we may require your request in writing. Provide the following information in your written communication: a. Include your name, address, telephone number, account number and card number for a disputed card transaction. b. State the date and dollar amount of the suspected error. c. Describe the error, item in question, or the transfer and explain as clearly as possible why you believe it is an error. d. Include your signature. Special Rules for Provisional Credit for Visa Business Check Card Transactions: If you believe a signature Check Card Transaction was unauthorized, we will re-credit your account within five business days 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 in writing, we need not re-credit your account, or we may reverse any credit previously made to your account, until we have received your written statement. We may withhold provisional credit, to the extent allowed under applicable law, if the delay is warranted by the circumstances on your account. To Report Your Card Lost or Stolen: Company agrees to promptly notify the Credit Union to report a lost or stolen Business Check Card. Lost Stolen Visa Business Check Card: Telephone: or (during business hours), or on nights, weekends, or holidays. gwfcu@gwfcu.org Mail: Gulf Winds Federal Credit Union Debit Card Department 220 East Nine Mile Rd. Pensacola, FL Disclosures to Others: Credit Union will disclose information to third parties about your account: (1) where it is necessary for completing a transaction; (2) in order to verify the existence and condition of your account for a third party, such as a merchant; (3) in order to comply with a government agency or court order; (4) if you give us written permission; or (5) as otherwise required by applicable law. Lien to Secure Obligations: Company grants Credit Union a consensual security interest in all of its deposit accounts to secure payment of all amounts owing at any time under this Agreement. Company authorizes Credit Union to hold and apply funds in any of its deposit accounts maintained at Credit Union against any present or future indebtedness Company may have to Credit Union. Termination: Credit Union shall have the right, at its sole discretion, to terminate Company s privileges hereunder. All cards shall be canceled effective upon termination of this agreement and Company shall return all cards to Credit Union. Company shall remain liable for all debits or other charges incurred or arising by virtue of the use of the Access Device(s) prior to the termination date. Temporary Holds: To facilitate certain electronic transactions we may place temporary holds on funds in your accounts. These holds may be for periods of 36-hours or more. The Credit Union can neither control the parties with whom you do business nor regulate the processing of transactions through the commercial networks used to facilitate your transactions; therefore, transactions may be processed after the expiration of any such temporary holds, and it is your obligation to insure that sufficient funds are on deposit at all times to cover your transactions. In addition, most transaction networks and the rules they operate under allow merchants to obtain approvals for sums greater than the actual amount of the charge that will eventually be debited from your account. Therefore, there may be a temporary freeze against all or a portion of your funds that cannot be used for other transactions, which can result in an overdraft. Both the Credit Union and you are subject to these network transaction rules, which are the standard for the debit card industry. In some instances (e.g., hotels and car rentals) the merchant will obtain authorization for up to three times the expected billing, which can remain against your account for the time periods indicated. Therefore, Credit Union recommends you do not use your debit card when checking in at hotels or renting cars. Note: Using your debit card to settle your bill at departure does not generally subject you to the delayed hold release. You are fully responsible for managing your account in light of these considerations, which are not within the Credit Union s control; and you are responsible for any overdrafts that occur due to such holds imposed via the parties with whom you transact business using the services governed by this Agreement. General Terms: Credit Union may from time to time amend the terms of this Agreement to the extent allowed by applicable federal and state law, which amendments shall apply to all transactions on your account(s). This Agreement and all services provided under this Agreement shall be governed by and construed in accordance with the laws of the State of Florida. Company agrees that venue for any action brought under this Agreement shall be in the State and County where Credit Union maintains its Principal business offices. If any law or judicial ruling renders any term or condition of this Agreement unenforceable, the remaining terms and conditions shall remain in full force and effect. We reserve the right to waive enforcement of any of the terms set forth in this agreement regarding any transaction or series of transactions. Any such waiver will not affect our right to enforce any of our rights with respect to any owner, user or other applicable person/party; or to enforce any of our rights with respect to other transactions. Any such waiver shall not modify the terms and conditions of this Agreement. Transaction Limitations and Fees: Dollar Limitations A maximum daily amount of $ for ATM withdrawals and $2, for Visa POS transactions are permitted from your Business Share and/or Business Share Draft Accounts. ATM Operator/Network Fees When you use an ATM not owned by the Credit Union, 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 funds transfer). Foreign or Cross Border Transactions. For transactions initiated in foreign countries and foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. dollars) will be: (a) 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 (b) the government-mandated rate in effect for the applicable central processing date. VISA charges an ISA fee for currency conversion and also when purchases are made from the U.S. for goods or services in foreign countries. These fees will be passed on to the cardholder. In each instance you will be charged a fee up to 1.00% of the settlement amount. Inappropriate Transactions: You warrant and agree that you will not use any Credit Union Accounts or Services to make or facilitate any illegal transaction(s) as determined by applicable law; and that any such use, including any such authorized use, will constitute a breach of this Agreement. Certain federal and/or state laws or Third Party Service Providers Rules may limit or prohibit certain transactions such as (but not limited to) those coded as possible gambling transactions. The Credit Union may decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding your obligation to pay us or otherwise) under applicable law; or which is otherwise limited or prohibited, including but not limited to any transaction involving or relating to any gambling activity. Such prohibition or limitations may affect some otherwise proper or allowable transactions such as debits, charges or other transactions at or relating to a hotel-casino. You understand and agree such limitations/prohibitions are not within the Credit Union s control and that the Credit Union will not have any liability, responsibility or culpability whatsoever for any such use by a Business Account Representative(s) or any Authorized User(s); or for declining to accept, process, or pay any such transaction. You further agree to indemnify and hold the Credit Union harmless from any suits, liability, damages or adverse action of any kind that results directly or indirectly from any such use of your account and/or access devices. Conflict Between Agreements: In the event of any conflict between the terms and conditions of this Agreement and the terms and conditions of the Credit Union Business Membership Agreement and Account Disclosures (as hereafter amended), the terms and conditions of the Credit Union Business Membership Agreement and Account Disclosures shall govern. Other Electronic Services on Your Business Account Phone Banking, GWFCU Online Banking, Bill Pay Service, and Electronic Funds Transfer (EFT). This Agreement applies to any electronic funds transfer or preauthorized transfer made to or from your business account(s) by you or by any user who has access to your account with actual, apparent or implied authority for use of your account. You understand that users may have electronic access to any

6 account opened under your business member number whether or not they have been authorized to transact business on that account. Electronic funds transfers to and from your account can be made through the use of, but may not be limited to the following: (a) our Phone Banking system; (b) our GWFCU Online Banking system; (c) our Bill Pay service; and (d) any check or debit which you authorize the payee to process electronically. You understand that Online Banking and Phone Banking may be used to transfer funds to other member accounts at the Credit Union. The Personal Identification Numbers (PINs) or Access Codes are issued by us and are not transferable. The use of your PIN and/or any other account access device or EFT is subject to the following terms. You agree: (a) to abide by our rules and regulations as amended related to the use of electronic transactions; (b) that the Company is responsible for payment of all transactions initiated electronically and all transactions may be withdrawn from your Business Share Savings or Business Share Draft Checking Account, as appropriate; (c) to refer any complaints regarding electronic transactions to the originator of the transaction. GWFCU recommends its business members perform a risk assessment and review its electronic and. online account controls and passwords periodically. We may, but are under no obligation to do so, process an electronic funds transfer that exceeds the balance in your Business Share Savings and/or Business Share Draft Checking Account. In the event that any such transfer occurs, you agree to immediately pay us the overdrawn amount plus any associated fees and charges. FUNDS AVAILABILITY POLICY Our general policy is to make funds from deposits available on the first business day after we receive a deposit. Electronic direct deposits will be available on the same day of deposit. For determining the availability of deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If a deposit is made on a business day that we are open, we will consider that day to be the day of deposit. For deposits made after closing or on a day that we are not open, we will consider the deposit made on the next business day we are open. This policy applies to personal and business share draft checking accounts only. Reservation of Right to Hold. In some cases, we will not make all the funds deposited by check available on the first business day after the deposit is received. Funds may not be available until the second business day following the day of the deposit. However, the first $200 of the deposit will be available on the first business day of the deposit. If we are not going to make all the funds from a deposit available on the first business day after we receive the deposit, the member will be notified at the time the deposit is made. We will also tell the member when the funds will be available. If a deposit is not made directly to one of our employees, or if we decide to take this action after the member has left the premises, we will mail the notice to the member by the next business day after the deposit is received. If the member is in need of the funds from a deposit right away, the member is responsible for asking when the funds will be available. Any request for payment against funds on which a hold has been placed will be returned unpaid. Funds will generally be available no later than the seventh business day after the day of the deposit. In any case, we reserve the right to refuse an item for deposit or encashment. Special Rules For New Accounts. The following special rules will apply during the first 30 days an account is open. Funds from electronic direct deposits to the 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 the deposit if the checks are payable to the member and the deposit is made in person to one of our employees. The excess over $5,000 will be available on the ninth business day after the day of your deposit. Funds from all other check deposits will be available on the eleventh business day after the day of the deposit. Hold on Other Funds. 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 the availability to withdraw a corresponding amount of funds that are already in the account or on deposit in another account with us. These funds would then not be available for withdrawal until the time periods that are described elsewhere in this policy for the type of check that was deposited. Longer Delays May Apply. We may delay the ability to withdraw funds deposited by check into an account an additional number of days for the following reasons: We believe a check deposited will not be paid. Checks totaling more than $5,000 are deposited on any one day. A check is deposited that has previously been returned unpaid. The account has been overdrawn repeatedly in the last 6 months. There is an emergency, such as failure of communications or computer equipment. Deposits at Non-proprietary ATMs. Deposits made at Automated Teller Machines (ATMs) not owned and operated by Gulf Winds Federal Credit Union, are subject to delayed availability and will be available for withdrawal on the fifth business day after the day of deposit. All ATMs that we own or operate are identified as our machines. Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. WIRE TRANSFER AGREEMENT Gulf Winds Federal Credit Union will provide wire transfer services as a means to initiate domestic transfers for you, subject to the terms of this agreement, which you agree to by signing your application for membership with us at the time that your account was established. We are authorized to charge your account for the payment of wire transfer requests. If more than one account(s) is designated, we may charge any of the designated accounts unless you give us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of your designated accounts with us to another account you have with us, to any of your designated accounts with us to any other financial institution, or to a third party or account of a third party maintained with us or any other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless you give us written instructions to the contrary. The party(ies) named in your application for membership are the authorized persons who may issue payment orders to us for the initiation of wire transfers or to receive telephone calls from us, in accordance with this agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have be transmitted to us under this agreement for any account designated in your application for membership. For confirmation purposes, we may call any party designated in your application for membership. If more than one authorized person is named, any one of them may issue payment orders on any designated account. Wire transfer requests must be given to us in compliance with our cut-off hours as established from time to time by us. We are not responsible for the accuracy of a routing number which you supply verbally and which is contained in your wire transfer request. Wire transfer requests received by us after 3:00 p.m. Central Standard Time may be treated as if received on the following business day. We have no obligation to accept or execute any wire transfer request. We will provide you telephonic notice of rejection. If we are unable to reach you by telephone, we may at our option give you notice of rejection in writing. If we accept a wire transfer request consistent with this agreement, you agree that any such transfer requests which we receive are effective as your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after we receive it. We will make a reasonable effort to act on a cancellation or amendment of a payment order made by you prior to the time that we execute such payment order, but we have no liability if your cancellation or amendment is ineffective.

7 You agree to re-execute this agreement or to execute a new agreement if changes are necessary. Your application for membership designates any account which may be charged in relation to wire transfer requests. All parties which you have authorized to issue wire transfer requests or to receive telephonic confirmations from us are identified in your application for membership. All modifications or additions to your application for membership must be in writing. You agree to pay us the amount of any transfer request which we transmit pursuant to this agreement when we execute a payment order to carry out your wire transfer request. You will not make any wire transfer request which would cause you to exceed the available balance in the account designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without our prior consent, you agree to pay us the overdraft amount and any overdraft fee immediately upon our demand. We have the right to set-off the amount of any overdraft against the balance in any of your accounts with us and we may exercise any rights we have under any agreements which grant us security for the payment of your liabilities or obligations to us. You understand and agree that the payment of a wire transfer request may be made by us or any other financial institution used to carry out the transfer request on the basis of an identifying account number which you have provided for a beneficiary, even if the number identifies a person different from your intended beneficiary. You also understand and agree that we or any other financial institution used to carry out a transfer request, may rely on the identifying number of the intermediary or beneficiary s financial institution which you have provided as the proper identification of the intermediary or beneficiary s financial institution, even if the number identifies a financial institution different from the one you named. We or any other financial institution are not responsible for determining whether any identifying or account numbers you have provided to initiate a wire transfer are accurate. You will be liable to us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary s identifying or account number provided by you or payment of the transfer request is made to a financial institution different from the one identified by name based on the identifying number which you have provided to us. You agree to examine any statement or confirmation which we send you and to notify us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If you fail to notify us of any discrepancy or error within the required time period, you agree that we are not liable to pay interest or reimburse you for any discrepancy or error in relation to a transfer request described in such statement or confirmation. You and the Credit Union agree that the following specified security procedures represent a commercially reasonable method of providing security against unauthorized payment orders: (a) Only individuals named in your application for membership shall issue wire transfer requests to us; and (b) We reserve the right to telephone any individual named in your application for membership for the purpose of confirming a transfer request, regardless of amount, although we have no obligation to do so. If we cannot obtain a confirmation satisfactory to us, then we reserve the right to refuse to honor any wire transfer request. We have no responsibility to verify the identity of any party identifying themselves as an individual authorized to receive a telephone confirmation of any wire transfer request, other than to verify that the name given by such party corresponds to a party named in your application for membership. If, for any reason, we are not satisfied that a wire transfer request was issued by an authorized party or confirmed by an authorized party, we may refuse to execute the transfer request. If we do so, we shall not incur any liability any nature. You agree to prevent disclosure, other than on a need-to-know basis, of any of the aspects of the security procedures which you have agreed to with us. You will notify us immediately if you believe the confidentiality of the security procedures has been compromised and you shall act to prevent the security procedures from being further compromised. We have no liability of any nature for delays or mistakes, provided we act in good faith and with reasonable care. We are not responsible for delays or mistakes caused by other parties through whom we transmit funds whether such other parties were selected by you or us. We are not required to make a wire transfer on the day a wire transfer request is received, unless the wire transfer request is received within a reasonable time before any cut-off hour we have established. We will generally use the funds transfer system, but we may use any means and routes that we, in our sole discretion, consider suitable for the transmission of funds. We shall have no liability whatsoever for any special consequential, punitive, or indirect loss or damage suffered by you in connection with services offered by us are subject to this agreement, regardless of whether we know or should have known such damages might be incurred. We have no responsibility for any attorney fees that you might incur. We may terminate this agreement at any time by giving written or oral notice to you. Unless we terminate this agreement, the agreement shall remain in effect until we receive written notice of termination from you and have been afforded a reasonable opportunity to act on your termination notice. You may not assign this agreement to any other party. This agreement is governed by the provisions of Regulation J, 12 CFR Part 210, Subpart B, including the Appendices, to the extent that any wire transfer request is carried out. Terms which are not defined in this agreement shall have the same meaning as defined in the Uniform Commercial Code Article 4A. We may amend this agreement, from time to time, by sending you a copy of any amendment at least 30 days prior to its effective date. This agreement may also be amended by a writing signed by you and us. No representation or statement not expressly contained in this agreement or in amendment shall be binding upon you or us. If any provision of this agreement is prohibited by applicable law, such prohibition shall apply only to that provision and all other provisions of the agreement shall remain in full force and effect.

8 Rev. 01/2011 FACTS Why? What? WHAT DOES GULF WINDS FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income account balances and payment history credit history and credit worthiness When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share members personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members personal information; the reasons Gulf Winds Federal Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Gulf Winds Federal Credit Union share? Can you limit this sharing? For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes No to offer our products and services to you Yes For joint marketing with other financial companies Yes No For our affiliates everyday business purposes information about your transactions and experiences No We don t share For our affiliates everyday business purposes information about your creditworthiness No We don t share For our affiliates to market to you No We don t share For nonaffiliates to market to you No We don t share Questions? Call toll free (800)

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