KEEPING YOUR ACCOUNT CONFIDENTIAL
    Password Protection
    Personal Information Protection
    Examine Your Statement

HOW TO REACH US
    Business Days
    E-mail

ELECTRONIC BANKING DISCLOSURE
    Account Access
    Limitations on Fund Transfers From Savings Accounts
    Disclosure of Information to Third Parties
    In Case of Errors or Questions About Your Electronic Transfers
    Lost or Stolen Card or Access Code
    Incomplete Transfer of Funds

MISCELLANEOUS FEES AND CHARGES

OTHER GENERAL TERMS

I.   Introduction

This Disclosure and Agreement for accessing your CU SoCal accounts using CU OnLine™ is provided for your information. Please read it carefully as it pertains to your accounts and electronic services. For the purpose of this Agreement, the terms "we," "us," "our," "CU SoCal" and "credit union" refer to Credit Union of Southern California. "You" refers to our Members and account owners.

Each time you access your CU SoCal account(s) through CU OnLine™, you confirm your agreement to abide by the Disclosure and Agreement and acknowledges your receipt and understanding of this disclosure. Furthermore, you agree that your use of CU OnLine™ and your obligations under this Agreement means that you're consenting to the electronic delivery to you by CU SoCal of all disclosures and other information required by law. We may change terms or amend this Agreement from time to time without notice or as otherwise provided by law. CU OnLine™ services can be used to access certain CU SoCal accounts. Each of your accounts at CU SoCal is also governed by the applicable account disclosure statement (prior receipt of which you acknowledge).

This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent that there is no applicable federal law or regulation, by the laws of the State of California. To the extent permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the credit union is located.

II.   Keeping Your Account Confidential

A.   Password Protection

For your protection, we recommend that you regularly change your password used to access CU OnLine™. You can change your password using the Preference menu. You agree to hold your password in strict confidence and you will notify us immediately if it's lost or stolen. You're responsible for keeping your password and account information confidential.

B.   Personal Information Protection

In addition to protecting your password and account information, you should also protect your personal identification information, such as your driver's license, Social Security Number, etc. This information, alone or together with information on your account, may allow unauthorized access to your account. It's your responsibility to protect your personal information with the same level of care that you protect your account information.

C.   Examine Your Statement

You must promptly review your statement upon receipt. See In Case of Errors or Questions About Your Electronic Transfers.

A.   Business Days

Our business days and hours are: Monday through Friday 9 a.m. to      6 p.m. PST, Saturdays 9 a.m. to 1 p.m.  PST (Brea, Covina, City of Industry and Telephone Service Center ONLY), excluding holidays. You can contact us by visiting our branch offices during normal business hours or by calling 800 CU SoCal, 800 287.6225. Calling us is the best way to report any problems or to get questions answered. If you can't call us or come in person, you can write to us at: Credit Union of Southern California, 8028 Greenleaf Avenue, Whittier, CA 90602.

B.   Email

Sending email through our Home Page is one way to communicate with us. We've provided email links for you to ask general questions or give comments regarding our Home Page or CU OnLine™ service. Please note that email isn't initiated from a secure session. To ensure the security of your account information, you can't use email to initiate transactions on your account(s). In addition, we recommend that you contact us by telephone to report any problems or ask questions about your account. Further, don't include personal information such as your social security number or account number in any email to us. We'll never email you asking you to verify this information.

IV.   Electronic Banking Disclosure

A.   Account Access

CU OnLine™ is a service provided to our Members. By using CU OnLine™ with your personal access code, you can:

• Make inquiries
• Check account balances
• Transfer funds between your savings, checking, money market and loan accounts
• Access your current or past monthly transaction history
• Request a withdrawal or loan advance by check
• Download account transaction history into personal financial management software, such as Quicken and Microsoft Money

Services available may be added or canceled at any time. We'll update this Agreement to notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules contained in this Agreement.

CU OnLine™ is available seven days a week, 24 hours a day. However, from time to time some or all of CU OnLine™ services may not be available due to system maintenance or upgrades. During such times, you may be able to use PhoneTeller (our automated 24 hour service), call our Telephone Service Center or visit one of our branches. (See How to Reach Us for business hours.)

B.   Limitations on Funds Transfers from Savings Accounts

Pursuant to federal regulations, you're limited as to the number of certain transactions you can make on your savings and Money Market accounts. Transfers from Shares will be limited to a total of six (6) in any one month. You may transfer any available balance, unless limited under another agreement.

Online transfers are transfers from savings to checking initiated through CU OnLine™. Telephone transfers are transfers from savings to checking initiated by a personal telephone call or by using PhoneTeller. Preauthorized transfers are transfers made according to a specific agreement between a Member and us, or another party. (Examples of preauthorized transfers are automatic overdraft transfers from savings to checking, or regular electronic payments from savings made to a third party, such as health clubs, insurance companies, etc.) Check access refers to any checks you write on your Money Market share accounts.

C.   Disclosure of Information to Third Parties

We'll disclose information about your account to third parties only when one of the following conditions exist:

• when necessary to complete a transaction requested by you
• in order to verify the existence and status of your account(s), such as for a retail merchant or credit reporting agency
• in order to comply with government agencies or court orders
• if you give us written permission

D.   In Case of Errors or Questions About Your Electronic Transfers:

You'll get a monthly account statement (unless there are no transfers in a particular month).

Call us at 562.698.8326, or write to us at the address shown in How to Reach Us as soon as you can if you think your statement or receipt is wrong, or if you need more information about a transaction listed on your statement or transaction receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

In order to help you with your questions, we'll need the following information:

• your name, account number and transaction date in question
• the situation you're unsure about, and why you believe there's an error or why you need more information
• the dollar amount of the suspect transaction

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

In most instances you'll receive the results of our investigation within 10 business days and we'll correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your question. If we do this, we'll provisionally credit your account within 10 business days for the amount you think is in error so that you'll have the use of the money during the investigative period. If we ask you to put your complaint or question in writing and we don't receive it within 10 business days of our request, we may not provisionally credit your account. The 10 business day and 45 calendar day time periods will be extended to 20 business days and 90 calendar days, respectively, for any transaction initiated at a point-of-sale or ATM location, or a transaction made outside the United States.

We'll send you a written explanation within three business days following our decision, based on our investigation. You may ask for copies of the documents that we used in our investigation.

E.   Lost or Stolen Access Code:

If you believe your personal access code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at 562.698.8326, or write to us at the address shown in How to Reach Us as soon as you can.

If you tell us within two (2) business days, you can lose no more than $50 if someone used your personal access code without our permission. (If you believe your personal access code has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your personal access code without your permission.)

If you DON'T tell us within two (2) business days after you learn of the loss or theft of your personal access code and we can prove that we could have stopped someone from using your personal access code without your permission if you'd told us, you could lose as much as $500.

Also, if your statement shows transfers that you didn't make, tell us at once. If you don't tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after 60 days if we can prove that we could've stopped someone from taking the money if you'd told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we'll extend the time periods.

If you authorize someone else to use your CU OnLine™ personal access code, you're responsible for all transactions which that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorized.

F.   Incomplete Transfer of Funds:

If you don't complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we'll be liable for your losses and damages. However, there are some exceptions. We'll not be liable, for instance:

1. If, through no fault of ours, you don't have enough money in your account to make the transfer.
2. If the transfer would go over the credit limit on your overdraft line.
3. If the system wasn't working properly and you knew about the breakdown when you started the transfer.
4. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we've taken.
5. There may be other exceptions stated in our agreement with you.

V.   Miscellaneous Fees and Charges

Any service charges for using CU OnLine™ will be shown in the Schedule of Fees and Charges, prior receipt of which you acknowledge, and may be changed by us from time to time.

Please note that fees, such as Internet access fees or telephone line charges, may be assessed and billed separately by your online service provider or phone company.

VI.   Other General Terms

Other Agreements - In addition to this Agreement, you agree to be bound by and will comply with all disclosures and agreements applicable to your account with CU SoCal, as described in "About Your Credit Union Accounts", prior receipt of which you acknowledge.

Severability - In the event that any portion of this Agreement is held by a court to be invalid or unenforceable for any reason, the remainder of this Agreement shall not be invalid or unenforceable and will continue in full force and effect. All headings are intended for reference only and aren't to be construed as part of the Agreement.

Right to Terminate Agreement - CU SoCal reserves the right to terminate this Agreement and your access to CU OnLine™, in whole or in part, at any time.

Our Liability - Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, CU SoCal OR by Internet browser providers such as Netscape (Netscape Navigator) and Microsoft (Microsoft Explorer) OR by Internet access providers OR by online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use or maintenance of the equipment, software, CU OnLine™ services or Internet browser or access software. In this regard, although we've taken measures to provide security for communications from you to us via CU OnLine™ and may have referred to such communication as "secured," we can't and don't provide any warranty or guarantee of such security.

We invite you to print a copy of this CU OnLine™ Disclosure and Agreement and retain it for your records. If you ask, we'll mail you a hard copy of the CU OnLine™ Disclosure and Agreement.