Children’s Online Privacy Protection ELECTRONIC FUND TRANSFERS Electronic Signature (ESIGN) Minimum Hardware/Software Requirements Internet Banking Third Party Links Truth in Savings USA Patroit Act Disclosure

Children’s Online Privacy Protection

Protecting the information of our members and their children is very important. OMNI Community Credit Union will not collect, use or disclose online information received from children under the age of 13 without prior parental notification and consent, which will include an opportunity for the parent to prevent use of information and participation in the activity. Online information will only be used to respond directly to the child’s request and will not be used for other purposes without prior parental consent.

ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

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

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

• Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
• Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking account(s).
• Electronic check or draft conversion. You may authorize a merchant or other payee to make a onetime electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills.
• Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.

OTTO24 Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (269) 441-3100 or (800) 877-963-5888 using your personal identification number, a touch tone phone, and your account numbers, to:

• transfer funds between checking, savings, and club
• transfer funds from line of credit to checking, savings, or club
• make payments from checking, savings, or club to loan accounts with us
• obtain account balances and transaction history
• transfer funds from account to account (cross account transfer; limitations apply per disclosure and agreement)

ATM Transfers - types of transfers and frequency and dollar limitations - You may access your account(s) by ATM using your ATM card and VISA Check Card and personal identification number, to:

• make deposits to checking or savings account(s) only at depository ATMs we own or operate
• get cash withdrawals from checking or savings account(s) • transfer funds between checking and savings account(s)
• obtain account balance(s)

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

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

Online Banking Transfers - types of transfers - You may access your account(s) through the Internet using your personal identification number and your account number, to:

• transfer funds between checking, savings, and club
• transfer funds from line of credit to checking, savings, or club
• make payments from checking, savings, or club to loan accounts with us
• make payments from checking to third parties (Bill Payment)
• obtain information about:
• transfer funds from account to account (cross account transfer; limitations apply per disclosure and agreement)

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

Point-of-Sale Transactions - dollar limitations - Using your card:

• you may not exceed $5,000.00 in transactions per day

Currency Conversion. Purchases and cash advances made in currencies other than U.S. dollars will be converted to and billed to you in U.S. dollars under the regulations established by VISA International. We do not determine the currency conversion rate which is used, nor do we receive any portions of the currency conversion rate. The conversion rate to U.S. dollars will be (I) 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 (II) the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Issuer. Conversion to U.S. dollars may occur on a date other than the transaction date; therefore, the currency conversion rate may be different than the rate in effect at the time of the transaction. You agree to pay the converted amount.

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

FEES

• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

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

DOCUMENTATION

• Terminal transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.
• 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 (269) 441-1400 or 1-888-OMNI-WOW to find out whether or not the deposit has been made.
• Periodic statements. You will get a monthly account statement from us for your checking or savings accounts.

PREAUTHORIZED PAYMENTS

• Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: 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 calendar days after you call. • Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:


CONFIDENTIALITY

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


UNAUTHORIZED TRANSFERS

(a) Consumer liability.

• Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

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

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

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

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

ERROR RESOLUTION NOTICE

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


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

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

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

OMNI Community Credit Union
P.O. Box 1537
Battle Creek, MI 49016 Phone: (269) 441-1400 or (800) OMNI-WOW

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

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

Electronic Signatures and National Commerce Act (ESIGN)

This notice is to provide you with your rights under the Electronic Signatures and National Commerce Act (ESIGN).

By opening an account online you must consent to conduct business electronically which includes receiving all pertinent disclosures in electronic format. You will not be asked for your consent again.

Please provide us with your email address so we can contact you in regards to the status of your application and provide you with any further information you may be receiving electronically.

If you prefer to receive any record provided to you or made available in a paper form instead of electronic the forms are available at all branch locations and can be printed from our website www.omnicommunitycu.org. If requested a form can also be mailed to you at the address you provide. If you would like to receive any forms or disclosures in a hard copy version after consent you may do so by calling a contact center representative at 866-OMNI-WOW or visiting any of our branch locations. If you request any initial documents electronically there will not be a fee.

If you choose to not conduct your financial affairs in this format or do not wish to consent you may withdraw your consent. There will be no fees or consequences if you choose to withdraw your consent.

In order to withdraw consent you must stop the online application process and come to any of our branch locations if you wish to open an account.

Minimum hardware and software requirements

A member must have the following to use NTMC home banking:

• A computer with a Modem(Dial-up, Cable, DSL, etc...)
• Access to the Internet through an Internet Service Provider (for example, America Online, CompuServe, NetCom)
• Browser software that supports Secure Sockets Layer (SSL) security. We recommend one of these packages which we have tested and support:

Third Party Links from our Site

OMNI Community Credit Union provides links from this website to other non-OMNI Community Credit Union operated websites for your information only. OMNI Community Credit Union neither recommends nor endorses any products or services appearing on these alternative sites. Neither are we responsible for the privacy practices or the contents of any website other than our own. OMNI Community Credit Union does not represent Credit Union members or third parties should the two enter into an online transaction. OMNI Community Credit Union suggests that you engage in an appropriate investigation for any products and services prior to purchase. Questions as to the content, availability or maintenance of these websites should be directed to the site owners.

Truth in Savings

Savings or Special Savings Account

Rate Information: The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid, you will not receive the accrued interest.
Minimum Balance Requirements: The minimum balance to open this Savings account is $5.00. The minimum balance to open a Special Savings account may be $5.00. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union and/or assessed a fee.

Smart Savings Account

Rate Information: The interest rate and annual percentage yield may change at any time as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid, you will not receive the accrued interest.
Minimum Balance Requirements: You must maintain a minimum balance of $1000.00 in your account to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union of your or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union and/or assessed a fee.

Christmas Club Account

Rate Information: The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid, you will not receive the accrued interest.
Minimum Balance Requirements: No minimum balance requirements apply to this account.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawal is made from this account before October 1, then this account may be closed.

Penny Panda/Cyber Saver Account

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance Requirements: The minimum balance required to open this account is $5.00. You must maintain a minimum balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union and/or assessed a fee.

IRA Savings Account

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid, you will not receive the accrued interest.
Minimum Balance Requirements: No minimum balance requirements apply to this account.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or similar instruction, or similar order to a third party.

Checking Account

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid you will not receive the accrued interest.
Minimum Balance Requirements: You must maintain a minimum balance of $5,000.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: No transaction limitations apply to this account.

Smart Checking

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Effect of Closing an Account: If you close your account before interest is paid you will not receive the accrued interest.
Minimum Balance Requirements: You must maintain a minimum balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: No transaction limitations apply to this account.

Money Market Account

Rate Information: The interest rate and annual percentage yield may change at anytime, as determined by the credit union board of directors.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance Requirements: You must maintain a minimum balance of $2500.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction with no transfers by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set for above in any statement period, your account will be subject to closure by the credit union and/or assessed a fee.

Certificate of Deposit (CD)

Rate Information: You will be paid the disclosed rate until first maturity.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance Requirements: The minimum balance required to open this account is $1,000.00 (except Penny Panda certificate of deposit, which requires a minimum of $200.00 or a Cyber Saver certificate of deposit, which requires a minimum of $500.00). You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield (except Penny Panda certificate of deposit, which requires a minimum of $200.00 or a Cyber Saver certificate of deposit, which requires a minimum of $500.00).
Daily Balance Computation Method: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: After the account is opened, you may not make deposits into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates. This interest withdrawal limitation does not apply if you have made arrangements to have interest paid to your or to another account in lieu of having it credited to this account.
Early Withdrawal Penalties: (a penalty may be imposed for withdrawals before maturity) In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Withdrawal of Interest Prior to maturity: The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.
Automatically Renewable Account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If you prevent renewal, interest will not accrue after finial maturity. Each Renewal term will be the same as the original term, beginning on the maturity date which have the same term, minimum balance (if any) and other features as the original time account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged and early withdrawal penalty.

IRA Certificate of Deposit (CD)

Rate Information: You will be paid the disclosed rate until first maturity.
Compounding and Crediting: Interest will be compounded every month. Interest will be credited to your account every month.
Minimum Balance Requirements: The minimum balance required to open this account is $1,000.00. You must maintain a minimum balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation: Interest is calculated by the daily balance method that applies a daily periodic rate to the balance in the account each day.
Accrual of Interest on Noncash Deposits: Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction Limitations: After the account is opened, you may not make deposits into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates. This interest withdrawal limitation does not apply if you have made arrangements to have interest paid to your or to another account in lieu of having it credited to this account.
Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity) In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Withdrawal of Interest Prior to maturity: The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.
Automatically Renewable Account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. If you prevent renewal, interest will not accrue after finial maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on the new IRA time accounts on he maturity date which have the same term, minimum balance (if any) and other features as the original IRA time account.
You will have a grace period of ten calendar days after maturity to withdrawal the funds with out being charged an early withdrawal penalty.

Common Features

Bylaw Requirements: You must complete payment of $5.00 in your Savings account as a condition of admission to membership.
Transaction Limitations: We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from any interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
National Credit Union Share Insurance Fund: Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

USA Patriot Act Disclosure

The United and Strengthening of America by providing appropriate tools to intercept and obstruct terrorism act better known as the USA Patriot Act was recently enacted to deter and punish terrorist acts in the United States and around the world and to enhance the investigatory tools of law enforcement. As a result of the USA Patriot Act we, as a financial institution, are required to obtain, verify and record the identity of a member when a new account is opened. For this verification process OMNI Community Credit Union will request specific information and documentation from you as a new member. This information includes but is not limited to;

• Legal name
• Date of birth
• Residence (physical address, cannot be a P.O. Box)
• Valid Social Security Number
• Valid Drivers License or other government issued identification.