Your eligibility for membership, products and services is subject to determination and approval by BOND Community Federal Credit Union (hereby BOND CFCU) staff and/or officially authorized BOND CFCU personnel. For more information, please contact BOND CFCU:

Local: (404) 525-0619, ext 219.

Toll-Free: 1-866-525-0619, ext 219.

Email: info@bondcu.com

ELECTRONIC FUNDS TRANSFER DISCLOSURES

The following sections (and numerous subsections) cover our and your rights & responsibilities concerning electronic funds transfer (“EFT”) services offered to you by BOND Community Federal Credit Union (hereby “BOND CFCU” or the “Credit Union”). The words “you” and “yours” refer to members, joint owners, or any authorized users of our Debit Cards, ATM cards and EFT services. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any/all of the Share (Savings) Accounts and Share Draft (Checking) Accounts you have with the Credit Union.

Electronic Funds Transfers definition: electronically initiated transfers of money from your account through the electronic services described below. By signing an application or account card for EFT services OR by signing, activating, accepting, and/or using any of the listed services, you agree to the terms and conditions in the following sections as well as any amendments made in the future.

1. EFT Services: If approved, you may conduct any one or more of our offered EFT Services:

a) ATM Card (non-VISA)

If approved, you may use your BOND ATM Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may use your Card to:

Withdraw funds from your share draft accounts.

Transfer funds from your share and share draft accounts.

Obtain balance information for your share and share draft accounts.

Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at POS terminals that carry network logo(s).

The following limitations on the frequency and amount of ATM transactions may apply:

There is no limit on the number of cash withdrawals you may make in any one day.

You may withdraw up to a maximum of $300.00 in any one day, if there are sufficient funds in your account.

There is no limit on the number of POS transactions you may make in any one day.

See Section 2 for transfer limits that may apply to these transactions.

b) VISA Debit Card: You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the internet, you may be required to provide cad member security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your share draft account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may also use your Debit Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Honor, STAR, Cirrus, CU24, Member Access, PLUS networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to:

Withdraw funds from your share draft accounts.

Obtain balance information for your share draft account.

Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VISA.

Order goods or services by mail or telephone from places that acceptVISA.

The following limitations on the frequency and amount of VISA Debit Card transactions may apply:

There is no limit on the number of VISA Debit Card purchases you make per day.

Purchase amounts are limited to $300.00 unless you request a daily limit increase in writing and the credit union agrees to it.

There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine.

There is no limit on the number of POS transactions you may make in any one day.

See Section 2 for transfer limits that may apply to these transactions.

c) AutoBond:This automated tone-responsiveservice provides our account holders with access to their accounts by phone; a PIN (Personal Identification Number) - unrelated to any other PIN on your account(s) and/or ATM & VISA Debit Cards - will be assigned to you. You must use this PIN along with your account number to access your accounts. At the present time you may use the audio response access service to:

Transfer funds from your share and share draft accounts.

Obtain balance information for your share and share draft accounts.

Determine if a particular item has cleared.

You can access this system by calling 1-888-427-9401

Your accounts can be accessed under the Auto Bond audio response service via a touch-tone telephone only. Auto Bond service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.

There is no limit to the number of inquiries you may make in any one day.

-See Section 2 for transfer limits that may apply to these transactions.

The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds.

The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.

d) Preauthorized EFTs

Direct Deposit. Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security, to your share draft account.

Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share draft account.

See Section 2 for transfer limits that may apply to these transactions.

Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made.

Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer three (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.

e) Electronic Check Conversion/Electronic Returned Check Fees:If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.

f) Virtual Branch Electronic EFTs: If we approve the Virtual Branch electronic/Online banking access service for your accounts, a separate Security Code will be assigned to you. You must use your Security Code along with your User ID to access your accounts. At the present time, you may use the Virtual Branch access service to:

Transfer funds from your share and share draft accounts.

Obtain balance information for your share and share draft accounts.

Make loan payments from your share and share draft accounts.

Make bill payments to preauthorized creditors.

Your accounts can be accessed under the Virtual Branch electronic/Online Banking access service via personal computer. Virtual Branch service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction, which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.

There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day.

See Section 2 for transfer limits that may apply to these transactions.

g) Online Bill Payment (sometimes referred to as “Pay It” services): We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.

We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cut-off time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you are scheduled for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor.

There is no limit on the number of bill payments per day.

2. Transfer Limits: For all share accounts, no more than six (6) preauthorized, automatic, or telephone transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.

3. Conditions of EFT Services:

a) Ownership of Cards: Any Card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or account to another person.

b) Honoring the Card: Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund.

c) Foreign Transactions:VISA Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by VISA from a 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 exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

A fee of 1% of the amount of the transaction, calculated on U.S. dollars, may or will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands.

d) Security of Access Code: You may use one or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the Card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.

e) Joint Accounts: If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any share and share draft or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.

4. Fees and Charges: There are certain fees and charges for electronic funds transfer services. From time to time, the charges may be changed. We will notify you as required by applicable law.

If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.

a) ATM Card Fees

Unlimited ATM withdrawals are allowed free of charge.

We do not charge for any POS transactions at the present time.

Replacement card fee of $10.00 per card (after five (5) free cards)

Non-sufficient funds fee of $30.00.

b) VISA Debit Card Fees

Unlimited Debit Card withdrawals per month.

We do not charge for any POS transactions at the present time.

Replacement card fee of $10.00 per card.

Non-sufficient funds fee of $30.00.

c) Preauthorized EFT Fees

Non-sufficient funds fee of $30.00.

5. Member Liability: You are responsible for all EFT transactions you authorize.

If you permit someone else to use an EFT service, your Card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.

Tell us immediately if you believe your card has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. 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 a transaction was made with your Card or Card number without your permission, and was either a VISA or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows.

If you tell us within two (2) business days you can lose no more than $50 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00.

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

If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact us by:

Phone (404-525-0619 or 866-525-0619)

Fax (404-577-8529)

Or mail: BOND Community Federal Credit Union

PO Box 5286

Atlanta, GA 31107

Fax: (404) 577-8529

6. Right to Receive Documentation:

a) Periodic Statements: Transfers and withdrawals made through any ATM or POS terminal, Debit Card transactions, audio response transactions, preauthorized EFTs, electronic/Online Banking transactions or bill payments you make will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.

b) Terminal Receipt: You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or point-of-sale (POS) terminal.

c) Direct Deposit: If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made through AutoBond (1-888-427-9401) or Virtual Branch services. This does not apply to transactions occurring outside the United States.

7. Account Information Disclosure: We will disclose information to third parties about your account or the transfers you make:

As necessary to complete transfers

To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant

If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s)

To comply with government agency or court orders

If you give us your written permission.

8. Business Days (definition): Our business days are Monday through Friday, excluding holidays.

9. 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 may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:

If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.

If you used your Card or access code in an incorrect manner.

If the ATM where you are making the transfer does not have enough cash.

If the ATM was not working properly and you knew about the problem when you started the transaction.

If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.

If the money in your account is subject to legal process or other claim.

If funds in your account are pledged as collateral or frozen because of a delinquent loan.

If the error was caused by a system of any participating ATM network.

If the electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, or any EFT facility for making such transfers.

If the telephone or computer equipment you use to conduct audio response or electronic/Online Banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction.

If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors.

If there are any other exceptions as established by the Credit Union.

10. Notices: All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union’s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

The following information is a list of safety precautions regarding the use of Automated Teller Machines (ATM) and Night Deposit Facilities.

Be aware of your surroundings, particularly at night.

Consider having someone accompany you when the ATM or night deposit facility is used after dark.

If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.

Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.

If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later.

If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your Card or deposit envelope, and leave.

If you are followed after making a transaction, go to the nearest public area where people are located.

Do not write your personal identification number or code on your ATM Card. • Report all crimes to law enforcement officials immediately.

11. Billing Errors: In case of errors or questions about electronic funds transfers from your share and share draft accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. Contact us by:

Phone (404-525-0619 or 866-525-0619)

Fax (404-577-8529)

Or mail: BOND Community Federal Credit Union

PO Box 5286

Atlanta, GA 31107

Fax: (404) 577-8529

Provide us with:

Your name and account number.

Details regarding the electronic transfer you are unsure about, with clear explanation as to why you believe the Credit Union has made an error or why you need more information.

The dollar amount and date of the suspected error.

We may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (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 forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 ten (10) business days, we may not credit your account.

We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

* If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

NOTE: If the error you assert is an unauthorized VISA transaction other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant any delay, in which case you may receive credit within ten (10) business days.

12. Termination of EFT Services: You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and any access code. You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your Card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination.

13. Governing Law: This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Georgia and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

14. Enforcement: You are liable to us for any loss, cost or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions.

WEBSITE & WEB BROWSING DISCLOSURES

The following terms of use apply to your access to and use of BOND CFCU’s web site. By accessing any page or partition of this site, you agree to be bound by these terms, whether or not you are a BOND CFCU member. If you do not agree to the following terms and conditions, do not access this site or any page thereof.

As used in these terms and conditions, the words “we”, “our”, “the credit union” and “us” refer to BOND CFCU. The word “you” and “your” refer to the site user and/or member.

WARRANTIES & LIABILITIES DISCLOSURE

All of the information and content of our web site are subject to change without notice.

We reasonably believe all information on this web site to be accurate & reliable as of the date(s) posted on the site; however, we cannot and do not guarantee it, and we are not responsible for errors or omissions. Please contact BOND CFCU at (404) 525-0619 during regular business hours for the latest rates, terms, fees, and verification of any information found on our web site.

All of the information, materials, and functions contained in our web site are provided on an "as is" basis without warranties of any kind, either expressed or implied, including, but not limited to, warranties or merchantability, adequacy, accuracy or error-free, timeliness, or completeness of the information and materials, fitness for a particular purpose, interruption, or freedom from computer virus.

LINKS TO EXTERNAL SITES/INFORMATION

In no event will BOND CFCU be liable for any direct or indirect, special, incidental, consequential or punitive damages, or lost profits arising in connection with your usage of our web site or other sites linked to or from it, nor will we be liable for any errors in or omissions from information, materials and functions included in our web site or any other sites linked to or from it, or any interruption in the availability of our web site, delay in operation or transmission, computer virus, loss of data, or otherwise, even if we have been advised of the possibility of such damages or losses.

BOND CFCU offers links to you on an "as is" basis. Such links are not endorsements of any products or services in those sites, and no information in such sites has been endorsed or approved by us. BOND CFCU is not responsible for the content, accuracy, or opinions expressed in other web sites, and such web sites are not investigated, monitored, or checked for accuracy or completeness by us. Third-party links are offered solely for the purpose of providing easy navigation to information that may be useful to you; by clicking on them or otherwise accessing their intended destinations, you are choosing to use them at your own discretion, and absolve BOND of any liability, risk, or responsibility.

When you access third-party web sites linked on our web site, you are leaving the BOND CFCU’s web site, and will no longer be protected by BOND CFCU’s privacy policy or security practices. You may wish to consult the privacy disclosures on each third-party site for further information.

PRIVACY & USE OF INFORMATION

Visitors to BOND CFCU’s web site are and will remain anonymous. We do not collect personal identifying information about visitors to our web site (except those accessing our Online Banking & Bill Payment service, Virtual Branch; for more info regarding online banking, see the next section). Our servers collect standard non-identifying information about visits to the site, such as date/time visited. This data is used to compile standard statistics on site usage.

For additional details about how we treat your nonpublic personal information, please refer to our Privacy Statement on the bottom of this page.

ONLINE BANKING & VIRTUAL BRANCH

Personal identifying information is collected when any authorized member accesses our Virtual Branch / Online Banking web site. This information enables the credit union to regulate entry to the secured portions of the web site and to measure member usage. Any personal identifying information gathered during an online session is held confidential at BOND CFCU. The Credit Union does not sell member data to third parties, whether it is gained online or already exists on the host system. Please refer to our Privacy Statement for further information. Please also refer to the “VIRTUAL BRANCH USER GUIDE | TERMS & CONDITIONS” below.

WEB SITE APPLICATIONS

BOND CFCU’s online Member Application and Loan Application are both secured & private forms; all information entered by the user is encrypted and e-mailed to a private, secure server. Only an authorized Credit Union employee can access and/or print the applications from this server to ensure confidentiality. None of the information you provide will be disclosed to unauthorized personnel or external sites, organizations, companies, agencies, or individuals.

ONLINE FORMS, SENSITIVE INFORMATION & EMAIL

Personal information gathered from e-mail and online forms sent by members and non-members may be used by authorized credit union staff to answer questions, follow-up on suggestions or complaints, or to provide or improve the requested service(s). However, only our online applications and forms are encrypted, which protects your sensitive personal & account information; unencrypted e-mails are not secure against interception or infection by unauthorized individuals. Confidential information - such as Member & Account Numbers, Personal Identification Numbers (PINs), credit card numbers, and requests for financial transactions - sent through regular e-mail is always open to security risk. Users are encouraged to use our secure, encrypted online forms or visit our office; you may also choose to contact us by phone/fax or mail when necessary to provide sensitive or personal information that can compromise or violate a user's privacy when communicating via e-mail. Our mailing address & phone number:

BOND Community FCU

PO Box 5286

Atlanta, GA 31107

Phone: 404-525-0619 or 1-866-525-0619

Fax: 404-577-8529

You may use the address and phone number above to request a physical copy of our Privacy Statement.

LOCATION OF OPERATIONS, GOVERNING LAW, AND CONSENT TO JURISDICTION

This web site (excluding linked/external sites) is controlled by BOND CFCU from its office in the State of Georgia, United States of America. While you may choose to access our web site from other locations, we make no representation that any information, materials, or functions included in our web site are appropriate or authorized for use in other jurisdictions. Your access from other locations is made on your own initiative; you, and not BOND CFCU, are responsible for compliance with any applicable local laws and regulations.

Your access to our web site, use of our web site, and these terms/conditions are governed by - and will be construed - in accordance with the laws of the State of Georgia without regard to principles of conflicts of laws, to the extent not pre-empted by federal law. In the event that any provision of these terms is held unenforceable, it will not affect the validity or enforceability of the remaining provisions.

In the event of a dispute concerning or relating in any way to this web site, you and BOND CFCU hereby submit to the exclusive personal jurisdiction and venue of the State and Federal Courts located in the State of Georgia with respect to such matters.

CHILDREN’S ONLINE PRIVACY POLICY

We recognize that protecting children's identities and online privacy is important. Currently, BOND CFCU does not collect personal information from children under 13 years old through its web site. We encourage you to monitor your children’s online activity, and to check back here regularly for our latest policies, particularly those relating to children. If you have questions concerning the privacy of your child's personal information, please contact us at the address and phone number shown above.

USER INDEMNIFICATION:

You agree to indemnify, defend and hold BOND CFCU harmless from any liability, loss, claim and expense, including attorneys' fees, related to your violation of these terms and conditions or the use of the services and information provided at this web site.

VIRTUAL BRANCH (ONLINE BANKING & BILL PAYMENT), BONDCU (MOBILE APP) & REMOTE DEPOSIT USER GUIDE

TERMS & CONDITIONS

The following terms and conditions govern the manner in which BOND CFCU will provide Virtual Branch (online banking and bill payment services) to you:

You authorize us to utilize our online banking/financial services provider, Fiserv, to provide these services to you on our behalf. These services are known as BOND CFCU’s “Virtual Branch”

Payment of taxes or court-directed payments via Virtual Branch is prohibited.

We reserve the right to refuse to make any payment and/or transfer.

Your targeted Merchant (bill payment recipient) or targeted account will receive funds initiated through Virtual Branch as close as reasonably possible to the date designated by you in your payment and/or transfer instruction (Payment Date). Subject to the terms and conditions of this agreement, you authorize us, and any third-party acting on our behalf, to choose the most effective method to process your payment and/or transfer, including, without limitation, electronic, paper or some other draft means. For each properly instructed payment to an eligible Merchant (bill payment recipient) and/or transfer to any account, you will receive a transaction confirmation number.

The Payment Date indicated by you must always be a “Business Day” (as defined below). If it is not, the Payment Date will be deemed to be the first “Business Day” after the date indicated.

A “Business Day” refers to any weekday, Monday through Friday, excluding holidays.

Unless you receive a confirmation number, we shall not be liable for any failure to make a payment and/or transfer, including any finance charges or late fees incurred as a result. It is also important that the payment date be on or before the merchant due date, not the late date, and, since the time for us to process your payment varies according to the particular merchant, you must become familiar with the payment processing time for each merchant you desire to pay, and allow the appropriate number of business days between the day you input your payment instruction and the payment date. Subject to the limitation discussed below, if you follow the procedures described in this agreement for payments, and you are assessed a penalty or late charge, we will reimburse you for that late charge up to a maximum of fifty dollars ($50.00). In the event that you do not adhere to the obligations set forth in this agreement, or you schedule a payment less than the number of business days before the due date required for a particular merchant, you will bear full responsibility for all penalties and late fees and we will not be liable for any such charges or fees. The service assumes no liability for the late posting or misapplication of payment once funds are received by merchants. This absence of liability, however, does not preclude service from working to resolve these types of issues when they arise. If required we will be responsible for providing provisional credit if payment disputes this action.

Remote Deposit Capture Agreement

Definitions:

We, us, and our refer to the Depository Financial Institution.
You and your refer to the Depositor.
Agreement refers to this Remote Deposit Capture Agreement.
Account refers to your checking or share draft account with us which is identified by the Account Number.
Qualifying Items refer to paper checks (including share drafts and remotely created checks) payable in U.S. dollars drawn on financial institutions located in the United States.
Remote Deposit refers to your deposit of Qualifying Items to the Account by endorsing the paper originals,including our name by the endorsement, placing the word “scanned” on the face of the check, and then scanning both sides of each item and sending their accurate images to us, together with deposit instructions, via our Smartphone app, rather than by providing us with the paper originals.

Banking Day refers to a business day on which we are open to the public for substantially all of our banking functions.
Business Day refers to a calendar day other than Saturday, Sunday or a federal holiday.

(Other terms have the meanings provided in the applicable Uniform Commercial Code.)

Remote Deposit Requirements:

You can make Remote Deposits if, but only if, you satisfy all the Scanner and Related Hardware and Software Requirements, Image Quality Requirements, and other requirements of this Agreement.

Image Quality Requirements:

The images of Qualifying Items you send us will be sufficiently inclusive and high quality to permit us to satisfy all pertinent requirements of the following: the Check 21 Act; all related laws or regulations; all other state or federal laws and regulations; The American National Standards Institute; The Electronic Check Clearing House Organization; and all other clearing houses or associations.

Remote Deposit Limits:

The total number of Qualifying Items that can be transmitted to us under this Agreement is limited to 10 per day. The total number of Qualifying Items that can be transmitted to us under this Agreement is $5,000 per day.

Receipt Deadline:

The deadline (Receipt Deadline) for our receipt of Remote Deposits is 4:00 pm on a Banking Day. Any Remote Deposits not received on a Banking Day or not received in their entirety by the Receipt Deadline on a Banking Day will be considered to have been received on the next Banking Day.

Acceptance or Rejection Deadline:

The deadline (Acceptance or Rejection Deadline) for our sending you either acceptances for deposit or rejections with respect to Qualifying Items included in your Remote Deposits is the next Banking Day after we receive the Remote Deposits. We will send you acceptances for deposit or rejections via Virtual Branch Secure Message, and they will be effective when sent whether or not they are received by you. Such acceptances for deposit or rejections will reasonably identify each of the Qualifying Items accepted and each of the Qualifying Items rejected.

Retention/Destruction of Original Items:

You will retain, preserve and keep secure the paper original of each Qualifying Item included in a Remote Deposit for the period of one year after it is accepted for deposit and will destroy it immediately after the expiration of that period. You will destroy the electronic image(s) on your mobile or other devices of each Qualifying Item immediately after it is sent to us.

Fees:

You will pay us fees for our performance under this Agreement as follows, and we can debit the Account for such fees without notice to you: Refer to Schedule of Fees & Charges at www.bondcu.com/fees for fee information or Return Item (Per Deposit or NSF item).

Execution:

By using Mobile Deposit, you and we agree to be bound by this Agreement, including the Terms and Conditions, which are incorporated by reference, and you acknowledge receipt of a copy.

Additional Terms & Conditions Regarding Remote Deposit

Internet Addresses and Other Information. You and we will provide each other with Internet addresses and other information as needed for purposes of this Agreement and will update such information as needed.

Acceptance Required. We will credit your Account for a Qualifying Item included in a Remote Deposit if, but only if, we have received it and it has been accepted for deposit. We can reject an item included in a Remote Deposit for any reason or for no reason at all.

Provisional Credit Only. Any credit to your Account of a Qualifying Item included in a Remote Deposit (including Qualifying Items drawn “on us”) is provisional only until collection is final. Until final settlement, we will act only as your agent, regardless of the form of endorsement or lack of endorsement on a Qualifying Item, even if we have provisionally credited your Account. We can reverse any provisional credit to your Account of a Qualifying Item included in a Remote Deposit that is lost, stolen, or returned. You will indemnify us and hold us harmless from any loss we may incur as a result of our lawfully reversing a provisional credit to your Account.

Failures or Alterations in Transmission. We will not be liable for any failures or alterations in the transmission of Remote Deposits to us.

Presentment/Collection. Presentment and collection of Qualifying Items included in Remote Deposits will be by any means and through any clearing agents we deem appropriate, and you consent to any applicable clearing house rules.

Funds Availability. Funds from Qualifying Items included in Remote Deposits will be available to you at such times after their acceptance for deposit under this Agreement as they would be available to you after their acceptance for deposit had they been deposited as paper originals in person to one of our employees at our main facility (under our policies as reflected in our then current funds availability disclosure and 12 CFR 229.10, et seq.). Even after funds are available to you and have been withdrawn, you will still be responsible for returned items or any other problems with the Remote Deposit.

Warranties. Unless prohibited by law, by making Remote Deposits you make the following warranties to us and agree to indemnify us and hold us harmless from any breach of such warranties, including payment of our reasonable attorneys’ fees and litigation expenses:

That you were entitled to deposit each of the Qualifying Items included in your Remote Deposits;
That only paper originals of bona fide Qualified Items have been scanned for Remote Deposit;
That each of the Qualifying Items included in your Remote Deposits was duly authorized in the amount stated on the Qualifying Item and to the payee stated on the Qualifying Item;
That there was and will be no duplication among Qualifying Items included in your Remote Deposits;
That you will not deposit or redeposit the original check, substitute check or paper or electronic reproduction of the original or substitute check of the Qualifying Items included in your Remote Deposits without our informed consent;
That we will not suffer any loss as a result of your Remote Deposits;
That we will not suffer any loss as a result of your retention or destruction of the paper originals of Qualifying Items included in your Remote Deposits;
That all information you provide to us regarding your Remote Deposits will be accurate;
That your Remote Deposits and all information you provide to us will be virus-free;
That your Remote Deposits will not violate any laws; and
That you have performed and will perform all your obligations under this Agreement.

Return Items. If Qualifying Items included in your Remote Deposits are returned, we will provide you with images or substitute checks of the returned items, rather than the paper originals.

Statements. You will examine your statement of account and report to us any alterations or unauthorized signatures purporting to be yours or on your behalf relating to Remote Deposits that you discover, or reasonably should have discovered, with reasonable promptness. Reasonable promptness for this purpose will not exceed 14 days in Montana, New York, or South Carolina, or 30 days in other states, from when the statement was first sent or made available to you. If you do not make such a report with reasonable promptness, you cannot assert against us such alterations or unauthorized signatures, or any others made by the same wrongdoer before we receive such a report, unless we failed to exercise good faith, or in all states except Tennessee unless we failed to exercise reasonable care. If we failed to exercise reasonable care, in all states except Tennessee, New York, or South Carolina, the loss will be allocated between you and us according to the extent to which your and our failure to exercise reasonable care contributed to the loss. In addition, in all states, if you do not discover and report to us any such alterations or unauthorized signatures or any other issues regarding Remote Deposits within 60 days from when the statement including the Remote Deposits was first sent or made available to you, you cannot assert them against us, even if we failed to exercise reasonable care.

Information and Access. You will promptly provide us with any information, including financial information, we request that is pertinent in any way to your Remote Deposits or this Agreement. In addition, upon our request you will grant us access to your documents and records sufficient to permit us to determine whether you are complying with the requirements of this Agreement.

Irreconcilable Conflicts. This Agreement supersedes your account agreement to the extent of any irreconcilable conflicts.

Circumstances Beyond Our Control. We will not be responsible for any failure to act or delay in acting pursuant to this Agreement if the failure or delay is the result of circumstances beyond our control including, but not limited to, legal constraint, interruption of transmission or communication facilities, equipment failure, or war emergency conditions.

Standard of Care. Unless otherwise required by law, our standard of care in connection with this Agreement is limited to ordinary care.

Indemnification. You agree to indemnify us and any other recipient for any loss incurred by us or any other recipient if the loss resulted from the receipt of a Qualified Item by Remote Deposit.

Limitation on Damages. Unless otherwise required by law, we will not under any circumstances be liable for attorneys’ fees; litigation expenses; or consequential, special, incidental, indirect, or punitive damages.

Duration and Termination. This Agreement will continue until it is terminated. We can terminate it immediately without notice if you are in default or if we suspect that you are engaged in illegal activity. Either party can terminate this Agreement without cause by giving 30 days advance written notice of termination.

Changes. We can change the provisions of this Agreement, other than the above stated right to terminate without cause, by giving you 30 days advance written notice of the changes.

Waiver. We can waive rights under, and violations of, this Agreement without affecting other rights under, or other violations of, this Agreement.

Assignment. You are not entitled to assign this Agreement or your rights and obligations under this Agreement without our consent.

Benefit. This Agreement is for your benefit and our benefit only, and no other entities have rights under this Agreement.

Invalidity. The invalidity or illegality of any provision of this Agreement will not affect the remainder of this Agreement.

Governing Law. This Agreement will be governed by the laws of the state or jurisdiction where the Account is located including the Uniform Commercial Code as adopted by that state or jurisdiction and as varied by this agreement.

Limitation: Under no circumstances will we be held liable if we are unable to complete any payments and/or transfers initiated in a timely manner due to any of the following circumstances:

You do not obtain a confirmation number upon initiating a payment and/or transfer.

The designated account does not contain sufficient funds to complete the payment and/or transfer.

You have closed the designated account.

We have identified you as a credit risk and have chosen to (i) make all payments and/or transfers initiated by you via Virtual Branch utilizing paper documents, or (ii) to terminate your subscription.

Virtual Branch, your equipment, the software, or any communications link is not working properly, and you know or have been advised by us about the malfunction before you execute the transaction.

You have not provided us with the correct information for those “Merchants” (bill payment recipients) to whom you wish to direct payment, or for the accounts to which you wish to make a transfer.

The Merchant (bill payment recipient) mishandles or delays handling payments sent by us.

Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction, and we have taken reasonable precautions to avoid these circumstances.

We are not responsible for any other loss, damage or injury, whether caused by your equipment or software, the services, or any technical or editorial errors contained in or omissions from any user guide/brochure related to the services. We shall not be responsible for any direct, indirect, special or consequential damage arising in any way out of the installation, use or maintenance of your equipment, software or the services, except where the law requires a different standard.

Payment Cancellation/Modification: With exception to transfers that are processed immediately, you may cancel or modify a payment and/or transfer by 2:00 pm Eastern Time (ET) of the same business day that you have scheduled such payment and/or transfer.

Statements: All payments and/or transfers made via online banking & bill payment services will be listed on your monthly account statement (receivable via USPS mail or electronically as eStatements).

New Services & Enhancements: We may, from time to time, introduce new services or enhance existing ones, and we may notify you of such. By using these services when they become available, you agree to be bound by the obligations concerning these services, which will also be sent to you.

SECURITY, FRAUDULENT ACTIVITY & ERRORS

Login/Security Code Confidentiality: You agree that you will not give your Logon ID and/or Security Code (password) - or make it available to view, copy, or steal - to any other individual and/or organization. If you believe that your Security Code has been lost or stolen, or that someone has made payments and/or transfers using your Security Code without your permission, notify us immediately by phone any time; we encourage you to send an electronic message (email) through Virtual Branch as well.

Your Liability for Unauthorized Payments: If you believe that your Security Code has been lost or stolen, notify us immediately to keep your possible losses down. If you notify us within two (2) business days of the day you learnt of the loss or theft of your Security Code, your maximum liability is $50.00. If you do NOT notify us within two (2) business days as just defined, your maximum liability may be much higher (up to $500.00).

Fraudulent Activity: If your Account Statement (or history) contains any payments/transfers that you did not initiate, notify us immediately. If you do not notify us within sixty (60) days after your account statement was mailed to you, you may not recoup any lost funds if it is proven that we could have stopped someone from taking the money if we’d been notified in time. If a good reason (such as hospital stays or prolonged travel) prevented you from telling us, we may decide to make an exception.

Errors and Questions: Contact us as soon as possible; our (internal) Member Services Dept. is available at 404-525-0619 (or 1-866-525-0619), ext 219, from 11:00 am to 6:00 pm EST Monday through Friday. Our (external) live call center also handles all inquiries 24 hours, 7 days a week, all year long; after-hours calls will be handled exclusively by this call center and/or through our internal voicemail system. If you wish to send correspondence by mail, please address it to:

BOND Community FCU

PO Box 5286

Atlanta, GA 31107

If you believe a payment and/or transfer listed on your statement is in error or if you need more information about a payment and/or transfer listed on the statement, we must hear from you no later than sixty (60) days after you received the first statement on which the problem or error appeared.

However you choose to correspond with us, you must:

Provide us with your name, Member and/or Account Number(s), and User ID.

Describe the payment and/or transfer you are unsure about (which may include merchant name, account information, transaction date, transaction amount, and more) and explain as clearly as you can why you believe an error was made. Whenever possible, provide the confirmation number for the transaction.

Give us the dollar amount of the suspected error.

(Possibly required:) Submit your complaint/inquiry in writing within ten (10) business days of discussing it with us over the phone or electronically.

We will typically be able to give you the results of our investigation within ten (10) business days after we receive your complaint/inquiry, and we will correct all related errors promptly. If necessary, we may take up to forty-five (45) days to investigate the complaint/inquiry; in this case, we will still credit your account within ten (10) business days from the time we first hear from you for the discrepancy amount. However, if we have asked you to put your question or complaint in writing and we still have not received it within ten (10) business days, we may not credit your account within that time.

If we determine that no error occurred, we will mail or otherwise transmit a written explanation to you within three (3) business days after we have completed the investigation. Within ten (10) business days of the date of such explanation, we will debit your account of the amount previously credited to you for use during the time we took to complete our investigation. You may ask for copies of documents used during our investigation. In addition, a research fee may apply to your inquiry (see our current list of fees to find out how much this amounts to).

E-STATEMENTS & E-NOTICES

These services are available free-of-charge through Virtual Branch (Online Banking & Bill Pay). You can access them by logging into your account, clicking on "Self Service," then clicking on either service's respective link. You will have to agree to the Terms & Conditions set forth by each service before being able to use the service; if you ever wish to view these Terms & Conditions separately, you can view or download them here:

4e-Statements
4e-Notices

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

We will only disclose your account and/or personal information to third parties if:

a) It is necessary for completing payments and/or transfers,

b) We’ve been ordered to comply with a government agency or court order, or

c) You've given us your permission.

In the event we are unable to process a transaction (for example, there are insufficient funds in your designated accounts) the transaction will result in a “Failed Payment and/or Transfer.” When this occurs, we will charge the total cost of the transaction, including any service costs, to you. Should you initiate repetitive failed payments and/or transfers, we reserve the right to suspend your subscription/access to the online banking & bill payment services. This suspension may occur without prior notice to you. If your subscription is suspended, any transactions previously initiated may still continue to be processed unless canceled and confirmation of such cancellation is provided as specified below. All inquiries and correspondence relating to suspended online activities - including requests for reinstatement - should be directed to Member Services. In the event your subscription is suspended, we will notify you by mail to your listed address. With respect to any failed payments and/or transfers, you agree to reimburse us for any funds we have already paid to one or more of your designated merchants - which we were unable to recover by debit to the Merchant or charge to you - within fourteen (14) days of the date the notice was sent to you.

If you do not pay any amount owed to us when due, you agree to pay interest on the unpaid balance at the rate of 18% per annum, or 1.5% per month, or the maximum rate allowed by applicable law. In the event your claim or debt has to be referred to a third-party for collection, you agree to pay all costs and fees incurred in collecting the outstanding balances, including reasonable attorneys’ fees and court costs, to the full extent permitted by law.

FEES

You agree to pay all fees related to any banking services you use at, through, or with BOND CFCU, including Virtual Branch. A schedule (or list) of our current fees can be found on our web site as well as on documentation you may obtain at our office or by request.

Monthly Fee: We do not currently charge a monthly fee for Virtual Branch usage. However, you may be charged a monthly fee in the future, plus any applicable sales and use taxes. You authorize us to effect automatic payment for this fee from one of your accounts by electronic, paper or other draft means.

ADDITIONAL TERMS & CONDITIONS

You agree to be bound by and comply with the requirements of the Virtual Branch User Guide and applicable state and federal laws and regulations. BOND CFCU is bound by them, too.

BOND CFCU reserves the right to terminate your access to and use of online banking & bill payment services, in whole or in part, at any time without prior notice.

You may cancel your subscription to online banking & bill payment services, upon thirty (30) days prior notice to Member Services. You will be responsible for all payments and/or transfers you have requested prior to termination and for all other charges, fees, and taxes incurred.

You must cancel all outstanding payment/transfer orders within the 30 day notification period. BOND CFCU will not be liable for payments/transfers not cancelled or made due to your actions related to service termination.

These Terms and Conditions, the Virtual Branch User Guide and applicable services fees and charges may only be altered or amended by BOND CFCU. In such event, we shall send notice to you at your listed address or transmit notice of the alteration or amendment over these services. Your use of these services following receipt of such notice constitutes acceptance of such alterations or amendments.

In the event of a dispute regarding these services, you (and we) agree to resolve this dispute by looking to these Terms and Conditions. These Terms and Conditions shall supersede any and all other representations made by you or BOND CFCU staff and/or authorized personnel.

These Terms and Conditions shall be governed by & construed in accordance with the laws of the State of Georgia.

PRIVACY STATEMENT

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our members. When we use the words "you" and "your" we mean the all of our consumer members who have a continuing relationship with us through our services, such as:

Deposit accounts
Loan accounts
Credit cards
Self-directed Individual Retirement Account, with which we act as custodian or trustee
Home mortgage & brokerage of such

We will inform you of the source for nonpublic personal information (collected on our members) as well as the measures we take to secure that information. We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else (for example, if you are a co-borrower or joint-signer on any BOND account), we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options. We first define some terms.

We,our, andusmean BOND Community Federal Credit Union.

Nonpublic personal informationmeans information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public source, such as telephone directories or government records.

Anaffiliateis a company we own or control.

Anonaffiliated third partyis a company that is not an affiliate of ours.

Opt outmeans a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:

Nonpublic personal information we receive from you on an application or other forms, such as
Name
Address

You may opt out of the disclosure of the information listed above.

Types of Nonaffiliated Third Parties

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

Financial service providers, such asinsurance agents
Businesses offering non financial products or services, such asother cooperative organizations

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Reasons For Disclosing

Here is why we may disclose nonpublic personal information about you to nonaffiliated third parties:

To provide our members with information about additional products and services
To offer benefits to customers
To offer benefits to members

Limitations on Disclosure

Here are the limitations we impose on the use of nonpublic personal information disclosure to nonaffiliated third parties:

We do not allow telephone solicitations.
All sharing is done only through third party mailing companies; no information is giving directly to nonaffiliates.

NONPUBLIC PERSONAL INFORMATION: FORMER MEMBERS

We do not disclose nonpublic personal information about former members.

NONPUBLIC PERSONAL INFORMATION:AFFILIATES & FUTURE CHANGES

In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. We may disclose nonpublic personal information to our affiliates related to information regarding transactions and experiences with us per our account records, such as:

Name(s)
Address
Account balance(s)
Account activity
Type(s) of account(s)
Credit card usage
Payment history
Deposit history

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Other information not taken from transactions and experience:

Nonpublic personal information we receive from you on an application or other forms, such as

Social security number
Assets and Income

Nonpublic personal information we receive from a credit reporting agency, such as

Creditworthiness
Credit history

You may opt out of the disclosure of the information listed above.

Types of Affiliates

We may disclose nonpublic personal information about you in the future to the following types of affiliates:

Financial service providers, such as aCredit Union Service Organization (CUSO)

Reasons For Disclosure

Here is why we may disclose nonpublic personal information about you in the future to our affiliates:

To provide our members with information about additional products and services
To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves

YOU HAVE THE RIGHT TO CHOOSE

In this notice, we have explained our policy about the disclosure of certain information.

Affiliated Parties: We have explained the kinds of nonpublic personal information we may disclose to our affiliates in the future. We have also explained the kinds of affiliates with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).Nonaffiliated Third Parties. We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties. We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

Non-affiliated Third Parties: We have explained the kinds of nonpublic personal information we may disclose to nonaffiliated third parties. We have also explained the kinds of nonaffiliated third parties with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

If you have a joint account, each participant of this account has a separate right to opt out. If one of you chooses to opt out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not opt out will be disclosed. Any participant on the account can opt out on behalf of any other participant of the account.

If you wish to opt out of disclosures, you may do so byrequesting a Privacy Statement disclosure form, checking the appropriate box(es) on the included Opt Out Notice, and returning it to us at this address:

BOND Community Federal Credit Union

PO Box 5286

Atlanta, Georgia 31107

(You may request the form through Member Services: 404-525-0619, ext 219.)

Limitations on Disclosure

Here are the limits we would impose on the use of nonpublic personal information disclosed to affiliates:

Only mortgage customers will be contacted.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION

Affiliated Parties: We are permitted to disclose nonpublic personal information about our transactions or experience with you to affiliate in the future. We may also disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us to not disclose this other nonpublic personal information.

Nonaffiliated Third Parties: If you do not want us to share your nonpublic personal information with nonaffiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to "opt out."

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

BOND Community Federal Credit Union

PO Box 5286

Atlanta, Georgia 31107

(You may request the form through Member Services: 404-525-0619, ext 219.)

TABLE OF CONTENTS

MEMBERSHIP, PRODUCTS & SERVICES

ELECTRONIC FUNDS TRANSFER DISCLOSURES

* If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

WEBSITE & WEB BROWSING DISCLOSURES

VIRTUAL BRANCH (ONLINE BANKING & BILL PAYMENT), BONDCU (MOBILE APP) & REMOTE DEPOSIT USER GUIDE

Remote Deposit Capture Agreement

PRIVACY STATEMENT