Truth in Lending Disclosures
Credit Cards

	VISA Platinum
Annual Percentage Rate	As low as 7.90%APR * Annual Percentage Rate based on credit analysis and evaluation
Minimum Finance Charge	None
Annual Fee	None
Grace Period	If you pay your previous balance in full on or before the due date shown on your previous statement, you will have a grace period on purchases of 25 days from the statement closing date to the payment due date.
Transaction Fee for Cash Advances/Purchases	None
Cash Advances	Interest starts date of transaction
Over Limit Fee	$25.00
Late Payment Fee	$25.00 if payment is more than 10 days late
Method of Computing Balance	Average daily balance including new transactions
* Annual Percentage Rate based on credit analysis and evaluation

Truth in Savings Disclosures
Dividend Rates

The dividend rates and annual percentage yields may change at any time at the discretion of Three Rivers FCU Board of Directors. Rates on Regular Share Savings, Optional Money Market, Money Plus, Special Share Savings, Holiday Club, and IRA/SEP accounts are variable. Rates on these accounts are set by the Board of Directors on a monthly basis. Dividends on all accounts and certificates are calculated by the average daily balance method (which applies a periodic rate to the average daily balance in the account for the period) except on OMA and Money Plus, 30, 36, 48 & 60 month certificates where the dividends are calculated using the daily balance method. Dividends are compounded daily or monthly and credited to the account at the end of the month. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Dividends begin to accrue upon deposit. For RewardChecking, a $2,000 minimum average daily balance is required to avoid a $5 monthly maintenance fee. For OMA, a $1,000 minimum average daily balance is required to avoid a $10 monthly maintenance fee. Dividends are calculated on the average daily balance, compounded monthly and credited to the account at the end of the month. Dividends begin to accrue upon deposit.

Certificates and Transaction Limits

Additional deposits to existing certificates are not allowed. The dividend rates on certificates are variable (and become fixed at the time of issuance) based on the Credit Union's investment rate, and declared on a weekly basis. If certificate funds are withdrawn prior to maturity, a SUBSTANTIAL PENALTY is imposed, which will be either a maximum of 90 days of dividends or all dividends on the amount withdrawn since the date of issuance or renewal. This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within 7 calendar days after maturity) or we receive written notice from you within the grace period of 7 days. Automated Teller Machine (ATM) withdrawals are limited to $200 per day (Monday-Friday) and $200 per weekend (Friday midnight to Sunday midnight). Point of Sale withdrawals may be limited. OMA and Money Plus Transaction Limitations - During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic or electronic transfer, or telephone order or instruction.

ELECTRONIC FUNDS TRANSFER DISCLOSURE STATEMENT

This disclosure is provided to members according to the provisions of the Federal Electronic Funds Transfer Act. As used in this disclosure, the words "we, us or the Credit Union" refer to the Three Rivers Federal Credit Union: the words "you and your" refer to the member: and the letters "PIN" refer to your Personal Identification Number. This disclosure applies to all types of electronic funds transfer services provided by Three Rivers Federal Credit Union. Please read this disclosure in its entirety since it contains disclosures which affect you. You may want to print or save this document for future reference, or if you would like a paper copy you may notify us directly. All electronic fund transfer services provided by Three Rivers Federal Credit Union in relation to its accounts, as defined in the Electronic Funds Transfer Act, are subject to the following terms and conditions. Your use of our electronic funds transfer services, by means of On-Line Account Access and Bill Payer, constitutes your agreement to be bound to these terms and conditions: Equipment and Technical Requirements I understand that to use On-Line Account Access and Bill Payer, I must have Internet access through an Internet provider, and Internet browser software. I understand that the Credit Union does not make any warranties on equipment, hardware, software or Internet service provider, or any part of them, expressed or implied, including, without limitation, and warranties of merchantability or fitness for a particular purpose. The Credit Union is not responsible for any loss, injury or damages, whether direct, indirect, special or consequential, caused by the Internet provider, any related software, or the Credit Union's On-Line Account Access or the use of any of them or arising in any way out of the installation, use or maintenance of your personal computer hardware, software or other equipment. Types of Services/Transfers Available With access to the Internet, your account number and your PIN, you may perform the following transactions at any time, a. Balance inquiries, b. Transfers from savings/sharedraft account to sharedraft/savings account, c. Transfers to make a loan payment (with the exception of mortgages), d. Cross-Account Transfers e. Obtain rate quotations and other information on your accounts and loans, f. Review account history, g. Download account history to hard drive or to software such as Microsoft Money® or Quicken®, and h. pay most bills with the Bill Payer option. I may designate accounts at the Credit Union between which I may transfer funds electronically through On-Line Account Access and Bill Payer. I may designate accounts at the Credit Union in which to transfer funds, not in my name, provided all account owners (jointly held or otherwise) execute an agreement with the Credit Union acknowledging the processing of intra Credit Union transfers. Intra Credit Union transfer agreements can be obtained by contacting the Credit Union. I understand that under Federal Reserve Board Regulation D, I am permitted to make no more than six (6) transfers or withdrawals from my OMA and/or Money Plus account(s) per cycle (not counting ATM and teller transactions). Internet Account transfers are counted toward the six total permitted transfers or withdrawals. I understand that Three Rivers Federal Credit Union complies with Regulation D. Limitations on Electronic Funds Transfers. The limit on your amount to transfer is the available balance in your account, plus your overdraft line of credit available balance. I authorize you to charge my account for any transactions accomplished through the use of Account Access, including the amount of any recurring payment that I make, and charge for this service. I authorize you to transfer funds electronically between my designated account(s) according to my instructions initiated through Account Access. Member Liability Disclosures. Tell us at once if you believe your Personal Identification Number (PIN) has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your account. If you tell us within 2 business days, you can lose no more than $50 if someone used your PIN number without your permission. If you do not tell us within 2 business days after you learn of the loss or theft, and we can prove we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transactions that you did not make, tell us at once. If you do not notify 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 kept you from notifying us, we will extend the time periods. If you believe that your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or notify us in writing: Three Rivers Federal Credit Union P.O Box 2573 Fort Wayne, IN 46801-2573 ph 260.490.8328 or 800.825.3641 e-mail: trfcuservice@trfcu.org NOTE: Knowledge of your PIN will allow access to your accounts to unauthorized persons. Memorize your PIN. If necessary, keep it in a completely separate place for your protection. Business Days. Three Rivers Federal Credit Union corporate offices can be reached during normal business hours, Monday through Friday. Holidays and weekends are not included. Documentation of Transfers. You will receive a confirmation screen with reference information after every transfer you make. Your monthly statement will show all electronic fund transfers. On-Line Account Access and Bill Payer transfers are coded as "personal branch" transactions. Bill Payer transactions are treated as ACH withdrawals. Any documentation provided to you which indicates that an Electronic Funds Transfer has been made shall be admissible as evidence and proof that such a transfer was made. Pre-authorized Transactions. Preauthorized Payments. If a third party to whom you owe money makes, with your permission, arrangements to have funds transferred out of your sharedraft or savings account on a regular and preauthorized basis in payment of your debt, we will make such transfers from your account(s) on your behalf. Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 260.490.8328 to find out whether or not the deposit has been made. You can also review your account history via On-Line Account Access. Preauthorized Deposits. You may pre-authorize deposits to be made to your sharedraft or share savings, or IRA account(s) from a third party on a regular basis. Stop Payment Orders. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. For preauthorized payments: Call or write us at our telephone number or address listed below in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. For Bill Payer Stops: Call Metavante Corporation at 1.800.823.7555. If these regular payments may vary in amount, the person you are going to pay will tell you (10 days before each payment) when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. 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 which you prove are directly caused by our failure to stop payment. This pertains to Preauthorized Payments. Credit Union 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 which you prove are directly caused by our action or failure to act. However, there are some exceptions to our liability. We will NOT be liable, for instance: a. if through no fault of ours, you do not have enough in your account to make the transfer, b. if the transfer would go over the available credit limit on your account or other available preauthorized line of credit, c. if we are legally restricted from transferring funds to or from your account, d. if circumstances beyond our control, such as fire or flood, prevent the transfer despite reasonable precautions that we have taken. There may be other exceptions stated in our agreement with you. Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make: a. where it is necessary for completing transfers to or from your account or resolving errors relating to your account or transfer you make, or b. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or c. in order to comply with laws and regulations and with subpoenas or with government agencies or courts orders, or d. if you give us written permission. Error Resolution Procedures. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: Telephone or contact us at: Three Rivers Federal Credit Union P.O Box 2573 Fort Wayne, IN 46801-2573 ph 260.490.8328 or 800.825.3641 as soon as you can if you think your statement or record of an electronic funds transfer is wrong or if you need more information about a transfer listed on the statement or record issued to you. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you call or write to us in this regard, you should: a. Tell us your name, account number, and telephone number. b. 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. c. Tell us the dollar amount of the suspected error and the date of the transaction as shown on your statement. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 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 or question in writing and we do not receive it within 10 business days, we may not recredit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. Amendments. We may amend all terms and conditions at any time, but will give you notice 21 days before the amendment becomes effective if the amendment will result in increased charges or liability to you or few types of available electronic fund transfers or limitation of the transfers you may make. Such notice will be mailed to you at the last address of record on our files. If, however, an immediate change in terms and conditions is necessary for security reasons, we may amend these terms and conditions without prior notice. We reserve the right to levy service fees in accordance with fee schedules adopted by the Credit Union from time to time. If other terms and conditions set by us are in conflict with the disclosure, this disclosure statement will prevail.