© 2018 Heartland Area Federal Credit Union. All rights reserved.

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate and

Fee Schedule are share accounts.

Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on

an account based on the dividend rate and frequency of compounding for an annual period. For Share Certificate account, the

Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Share, Vacation,

Christmas Club, and IRA accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the

Credit Union’s Board of Directors. For Share Draft accounts, the Dividend Rate and Annual Percentage Yield may change

monthly as determined by the Credit Union’s Board of Directors. The Annual Percentage Yield is based on an assumption that

dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at

the end of the dividend period.

Dividends Compounding and Crediting. The compounding and crediting of dividends applicable to each account is set forth

in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The

Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend

Period. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which

is set forth in the Rate Schedule.

Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For

all Share Certificate and IRA Share Certificate accounts, dividends are calculated by the Daily Balance method which applies a

daily periodic rate to the principal in the account each day. For all other accounts, dividends are calculated by using an Average

Daily Balance method which applies a periodic rate to the average daily balance in the account for the period. The average

daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that

figure by the number of days in the period.

Accrual of Dividends. For all accounts, dividends will begin to accrue on noncash deposits (e.g., checks) on the business day

you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited,

accrued dividends will not be paid.

Transaction Limitations. For Share and IRA accounts, no more than six (6) preauthorized, automatic, or telephone transfers

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) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account

may be subject to a fee or be closed. For a Christmas Club account, the entire balance will be paid to you by check or

transferred to another account of yours on or after November 1 and the account will remain open. If you withdraw any of the

account balance at any time, we will impose a fee of all dividends and close account. For Vacation and Share Draft accounts, no

account limitations apply. For Share Certificate account, your ability to make additional deposits to your account or

withdrawals of dividends after your account is opened, and any limitations on such transactions, are set forth in the Rate

Schedule. Withdrawals may be made but not enough to fall below the minimum required balance.

FOR SHARE CERTIFICATE AND IRA SHARE CERTIFICATE ACCOUNTS ONLY

Maturity. Your account will mature as indicated on the Rate and Fee Schedule or on your Account Receipt or Renewal Notice.

Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.

Amount of Penalty. For all Certificate accounts, the amount of the early withdrawal penalty to your account is 90 days

dividend.

How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on

the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned

enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early

withdrawal penalty under the following circumstances:

When an account owner dies or is determined legally incompetent by a court or a body of competent jurisdiction.

Where the account is an Individual Retirement Account (IRA) and any portion is paid within ten (10) days after

establishment; or where the account is Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least

equal to the simple dividend earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner

attains age 59 1/2 or becomes disabled.

Renewal Policy. The renewal policy for your accounts is as follows:

Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be

pledged to secure any obligation of an owner, except obligations with the Credit Union.

The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on this

Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the

Credit Union.

FEE SCHEDULE*

Share Account Fees: Share Dormant Account fee: $5.00 per month if account balance is less than $50 for six (6) months with

no other activity on the account. Share Draft Account Fees: NSF fee: $30.00 per item; Stop Payment fee: $30.00 per request;

Check Printing fee: Prices may vary depending upon style; Check Copy fee: $2.00 per item. Electronic Funds Transfer Fees: ATM

Cash Withdrawal Fee: No Charge/if ATM is owned by the credit union or at Cash Corner ATMs; ATM Cash Withdrawal Fee:

$3.50/if ATM's not owned by the credit union; Inquiry Fee at ATMs not owned by Credit Union or at Cash Corner ATMs $2.00;

Debit Card Withdrawal fee: $3.00 each; Card Replacement fee: $10.00/Replacement; PIN Replacement fee $3.00; ACH Overdraft

fee: $30.00/Item; Debit Card Overdraft fee: $30.00/Item; ATM Overdraft fee: $30.00/Item; Debit Card Loan Advance fee:

$5.00/Day.

*When you use an ATM not owned by us, you may by charged a fee by the ATM operator or any network used to complete the

transfer (and you may be charged a fee for any balance inquiry).

FUNDS AVAILABILITY POLICY

This Disclosure describes your ability to withdraw funds at Heartland Area Federal Credit Union.

General Policy. Our policy is to make funds from your cash and check deposits available to you on the same business day that

we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available,

you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the

availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit

before 5:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you

make a deposit after 5:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business

day we are open.

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on

the same business day that we receive your deposit. Depending on the type of check that you deposit, funds may not be

available until the second business day after the day of your deposit. However, the first $200 of your deposit will be available

on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available

on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be

available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the

premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a

deposit right away, you should ask us when the funds will be available.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the

availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time

funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is

drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay

your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds

in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this

disclosure for the type of check that you deposited.

Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional

number of days for these reasons:

We believe a check you deposit will not be paid.

You deposit checks totaling more than $5,000 on

any one day.

You deposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the

last six months.

There is an emergency, such as failure of communications or computer equipment.

Two party checks.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will

be available. They will generally be available no later than the eleventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your

account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit.

Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s certified, teller’s, traveler’s,

and federal, state, and local government checks will be available on the next business day after the day of your deposit if the

deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on

the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not

made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of

your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

Deposits at Nonproprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we

do not own or operate will not be available until three (3) business day after the date of your deposit. This rule does not apply

at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same

as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure.

Generally, the availability of the funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds

from the financial institutions upon which it is drawn.

HEARTLAND AREA FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the

electronic funds transfer ("EFT") services offered to you by Heartland Area Federal Credit Union ("Credit Union"). In this

Agreement, the words "you" and "yours" mean those who sign the application or account card as applicants, joint owners, or

any authorized users. The words "we," "us," and "our” mean the Credit Union. The word "account" means any one or more

savings and checking accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers

of money from your account through the electronic funds transfer services described below. By signing an application or

account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and

conditions in this Agreement and any amendments for the EFT services offered.

1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union.

a. MasterCard 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 card number 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

checking 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   use your Card  and  PIN  (Personal Identification Number) in automated teller machines of the Credit Union,

Cirrus, Nets, 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 checking accounts.

Access your overdraft protection account.

Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or

services at merchants that accept MasterCard.

Order goods or services by mail or telephone from places that accept MasterCard.

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

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

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

You may withdraw up to a maximum of $310.00 in any one day from an ATM machine, 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.

You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds in your

account

For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.

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

b. Call 24. If we approve the Call 24 for your accounts, a separate PIN (Personal Identification Number) will be assigned to

you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts.

At the present time you may use the Call 24 to:

Withdraw funds from your savings and checking accounts.

Transfer funds from your savings and checking accounts.

Obtain balance information for your savings and checking accounts.

Make loan payments from your savings and checking accounts.

Determine if a particular item has cleared.

Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts.

Verify the last date and amount of your payroll deposit.

Your accounts can be accessed under the Call 24 via a touch tone telephone only. Call 24 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, transfers, or withdrawal requests you may make in any one day.

See Section 2 for transfer limitations 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

savings or checking account.

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

See Section 2 for transfer limitations 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. Home Access. If we approve the Online Access for your accounts, a separate PIN (Personal Identification Number) will

be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access

your accounts. At the present time, you may use the Online Access to:

g. Mobile Teller.

If we approve Mobile Teller for your accounts, a separate personal identification number (PIN) will be assigned to you.

You must use your personal identification number (PIN) along with your account number to access your accounts. At the

present time, you may use Mobile Teller to:

Withdraw funds from your savings and checking accounts.

Transfer funds from your savings and checking accounts.

Obtain balance information for your savings, checking, loan, IRA, club and certificate accounts

Make loan payments from your savings and checking accounts.

Determine if a particular item has cleared.

Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts.

Verify the last date and amount of your payroll deposit.

Your accounts can be accessed under Mobile Teller via mobile device or other approved access device(s). Mobile Teller will be

available for your convenience 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. All checks are

payable to you as a primary member and will be mailed to your address on record. 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.

The following limitation on Mobile Teller transactions may apply:

There is no limit to the number of inquiries, transfers, or withdrawal request you may make in one (1) day.

Maximum amount per transaction is $5,000.

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

h. Online Bill Pay.

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 checking account for bill payment transfer by the designated cutoff

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 schedule your 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 through the

mail. We cannot guarantee the time any payment will be credited to your account by a vendor.

The following limitations on Online BillPay transaction may apply:

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

2. Transfer Limitations. For all savings accounts, no more than six (6) preauthorized, automatic, telephone, or Internet

transfers and withdrawals may be made from each account 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.

MasterCard. If you effect a transaction with your MasterCard card in a currency other than U.S. dollars, MasterCard

International Incorporated will convert the charge into a U.S. dollar amount. MasterCard International will use its

currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently the currency

conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars for such

Wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed,

increased by one percentage point. The currency conversion rate used by MasterCard International on the processing

date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

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 savings and checking 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. MasterCard Debit Card Fees.

$3.50 charge for ATM withdrawals at machines we do not own (nonproprietary).

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

Replacement card fee of $10.00 per card. 

PIN Replacement fee of $3.00.

Non-sufficient funds fee of $30.00.

No charge for any ATM transactions, including inquiries at ATMs we own or at Cash Corner terminals. ATM inquiry from

any accounts at machines we do not own (nonproprietary) there is a charge of $2.00 per inquiry.

b Preauthorized EFT Fees.

Non-sufficient funds fee of $30.00.

Stop payment fee of $30.00.

5. Member Liability. You are responsible for all transactions you authorize using your EFT services under this Agreement. 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. However, TELL US AT ONCE if you believe your Card and/or access code has

been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without

your permission. 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).

You are not liable for an unauthorized MasterCard debit card transaction that was not conducted at an ATM if you can

demonstrate that you exercised reasonable care in protecting your Card from loss or theft, you have not reported two or more

incidents of unauthorized use in the past twelve (12) months, and your account is in good standing. Otherwise your liability for

an unauthorized MasterCard debit card transaction that was not conducted at an ATM will be no more than $50.

For all other EFT transactions involving access devices, including transactions conducted at ATMs, your liability for unauthorized

transactions 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 or code 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 or code, and we can prove that we could have stopped someone from using your Card or code 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, tell us at once. 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 will 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, call:

(402) 571-8444

(866) 314-2328

Fax:(402)571-0462

www.heartlandfcu.org

or write to:

Heartland Area Federal Credit Union

6111 North 72nd Street

Omaha, NE 68134-2157

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 or electronic/PC transactions 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, POS  terminal, or Debit  Card  transaction  with   a participating merchant.

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 by calling (402) 571-8444 or (866) 314-2328. 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; or

If you give us your written permission.

8. Business Days. 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

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/PC transactions is not working properly and you know or should have known about the breakdown when you

started the transaction.

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.

Close the entry door of any ATM facility equipped with a door.

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. If it is after the regular hours of the financial institution and you are using an ATM, do not

permit entrance to any person you do not know.

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 card.

Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the

nearest available public telephone.

11. Billing Errors. In case of errors or questions about electronic funds transfers from your savings and checking accounts,

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. Call us at:

(402)571-8444

(866) 314-2328

Fax: (402)571-0462

www.heartlandfcu.org

or write to:

Heartland Area Federal Credit Union

6111 North 72nd Street Omaha, NE 68134-2157

Tell us your name and account number.

Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union

has made an error or why you need more information.

Tell us the dollar amount of the suspected error.

If you tell us orally, 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.

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 your

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 Nebraska 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.

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT HEARTLAND AREA CREDIT UNION’S CLOSED END-

CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.

Terms Subject to Change. The rates contained herein are effective as of October 1, 2017. However, the terms described in this

disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed

(other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a

refund of any fees that you paid in connection with your application.

Terms of Repayment. Interest rates for closed end credit are fixed. The terms of repayment for the currently published interest

rates are as listed above.

Certificate Secured, Loans covered by Certificate of Deposit from the credit union will be charged 1% over the C.D. Rate.

Members can borrow 90% of face value of C.D.

OTHER DISCLOSURES

Accuracy of information. The Credit Union uses its best efforts to ensure the accuracy of all information on this website.

However, you should request written verification of any information to ensure accuracy. Products, services, terms, conditions,

and pricing may change at any time without notice.

Equipment Failures. The Credit Union will not be liable for any action or inaction due to any action or inaction related to the

website, the information contained on the website, or any customer transmissions through the website resulting from

equipment failure.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency

© 2018 Heartland Area Federal Credit Union. All Rights Reserved.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of

the accounts. All accounts described in this Rate and Fee Schedule are

share accounts.

Rate Information. The Annual Percentage Yield is a percentage rate

that reflects the total amount of dividends to be paid on an account

based on the dividend rate and frequency of compounding for an

annual period. For Share Certificate account, the Dividend Rate and

Annual Percentage Yield are fixed and will be in effect for the term of

the account. For Share, Vacation, Christmas Club, and IRA accounts, the

Dividend Rate and Annual Percentage Yield may change quarterly as

determined by the Credit Union’s Board of Directors. For Share Draft

accounts, the Dividend Rate and Annual Percentage Yield may change

monthly as determined by the Credit Union’s Board of Directors. The

Annual Percentage Yield is based on an assumption that dividends will

remain on deposit until maturity. A withdrawal of dividends will reduce

earnings.

Nature of Dividends. Dividends are paid from current income and

available earnings after required transfers to reserves at the end of the

dividend period.

Dividends Compounding and Crediting. The compounding and

crediting of dividends applicable to each account is set forth in the

Rate Schedule. The Dividend Period is the period of time at the end of

which an account earns dividend credit. The Dividend Period begins on

the first calendar day of the Dividend Period and ends on the last

calendar day of the Dividend Period. The Dividend Rates and Annual

Percentage Yields are the rates and yields as of the last dividend

declaration date which is set forth in the Rate Schedule.

Balance Information. The minimum balance requirements applicable

to each account are set forth in the Rate Schedule. For all Share

Certificate and IRA Share Certificate accounts, dividends are calculated

by the Daily Balance method which applies a daily periodic rate to the

principal in the account each day. For all other accounts, dividends are

calculated by using an Average Daily Balance method which applies a

periodic rate to the average daily balance in the account for the period.

The average daily balance is determined by adding the full amount of

principal in the account for each day of the period and dividing that

figure by the number of days in the period.

Accrual of Dividends. For all accounts, dividends will begin to accrue

on noncash deposits (e.g., checks) on the business day you make the

deposit to your account. For all accounts, if you close your account

before accrued dividends are credited, accrued dividends will not be

paid.

Transaction Limitations. For Share and IRA accounts, no more than

six (6) preauthorized, automatic, or telephone transfers 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) transfers may

be made by check, draft, or debit card to a third party. If you exceed

these limitations, your account may be subject to a fee or be closed.

For a Christmas Club account, the entire balance will be paid to you by

check or transferred to another account of yours on or after November

1 and the account will remain open. If you withdraw any of the account

balance at any time, we will impose a fee of all dividends and close

account. For Vacation and Share Draft accounts, no account limitations

apply. For Share Certificate account, your ability to make additional

deposits to your account or withdrawals of dividends after your

account is opened, and any limitations on such transactions, are set

forth in the Rate Schedule. Withdrawals may be made but not enough

to fall below the minimum required balance.

FOR SHARE CERTIFICATE AND IRA SHARE CERTIFICATE ACCOUNTS

ONLY

Maturity. Your account will mature as indicated on the Rate and Fee

Schedule or on your Account Receipt or Renewal Notice.

Early Withdrawal Penalty. We may impose a penalty if you withdraw

any of the principal before the maturity date.

Amount of Penalty. For all Certificate accounts, the amount of the

early withdrawal penalty to your account is 90 days dividend.

How the Penalty Works. The penalty is calculated as a forfeiture of part

of the dividends that have been or would be earned on the account. It

applies whether or not the dividends have been earned. In other

words, if the account has not yet earned enough dividends or if the

dividend has already been paid, the penalty will be deducted from the

principal.

Exceptions to Early Withdrawal Penalties. At our option, we may

pay the account before maturity without imposing an early withdrawal

penalty under the following circumstances:

When an account owner dies or is determined legally

incompetent by a court or a body of competent jurisdiction.

Where the account is an Individual Retirement Account (IRA) and

any portion is paid within ten (10) days after establishment; or

where the account is Keogh Plan (Keogh) provided that the

depositor forfeits an amount of at least equal to the simple

dividend earned in the amount withdrawn; or where the account

is an IRA or Keogh and the owner attains age 59 1/2 or becomes

disabled.

Renewal Policy. The renewal policy for your accounts is as follows:

Nontransferable/Nonnegotiable. Your account is nontransferable

and nonnegotiable. The funds in your account may not be pledged to

secure any obligation of an owner, except obligations with the Credit

Union.

The rates and fees appearing in this Schedule are accurate and

effective for accounts as of the Effective Date indicated on this Rate

and Fee Schedule. If you have any questions or require current rate

and fee information on your accounts, please call the Credit Union.

FEE SCHEDULE*

Share Account Fees: Share Dormant Account fee: $5.00 per month if

account balance is less than $50 for six (6) months with no other

activity on the account. Share Draft Account Fees: NSF fee: $30.00 per

item; Stop Payment fee: $30.00 per request; Check Printing fee: Prices

may vary depending upon style; Check Copy fee: $2.00 per item.

Electronic Funds Transfer Fees: ATM Cash Withdrawal Fee: No Charge/if

ATM is owned by the credit union or at Cash Corner ATMs; ATM Cash

Withdrawal Fee: $3.50/if ATM's not owned by the credit union; Inquiry

Fee at ATMs not owned by Credit Union or at Cash Corner ATMs $2.00;

Debit Card Withdrawal fee: $3.00 each; Card Replacement fee:

$10.00/Replacement; PIN Replacement fee $3.00; ACH Overdraft fee:

$30.00/Item; Debit Card Overdraft fee: $30.00/Item; ATM Overdraft fee:

$30.00/Item; Debit Card Loan Advance fee: $5.00/Day.

*When you use an ATM not owned by us, you may by charged a fee by

the ATM operator or any network used to complete the transfer (and

you may be charged a fee for any balance inquiry).

FUNDS AVAILABILITY POLICY

This Disclosure describes your ability to withdraw funds at Heartland

Area Federal Credit Union.

General Policy. Our policy is to make funds from your cash and check

deposits available to you on the same business day that we receive

your deposit. Electronic direct deposits will be available on the day we

receive the deposit. Once they are available, you can withdraw the

funds in cash and we will use the funds to pay checks that you have

written. For determining the availability of your deposits, every day is a

business day, except Saturdays, Sundays and federal holidays. If you

make a deposit before 5:00 p.m. on a business day that we are open,

we will consider that day to be the day of your deposit. However, if you

make a deposit after 5:00 p.m. or on a day we are not open, we will

consider that the deposit was made on the next business day we are

open.

Reservation of Right to Hold. In some cases, we will not make all of

the funds that you deposit by check available to you on the same

business day that we receive your deposit. Depending on the type of

check that you deposit, funds may not be available until the second

business day after the day of your deposit. However, the first $200 of

your deposit will be available on the first business day after the day of

your deposit. If we are not going to make all of the funds from your

deposit available on the same business day, we will notify you at the

time you make your deposit. We will also tell you when the funds will

be available. If your deposit is not made directly to one of our

employees, or if we decide to take this action after you have left the

premises, we will mail you the notice by the next business day after we

receive your deposit. If you will need the funds from a deposit right

away, you should ask us when the funds will be available.

Holds on Other Funds. If we cash a check for you that is drawn on

another financial institution, we may withhold the availability of a

corresponding amount of funds that are already in your account.

Those funds will be available at the time funds from the check we

cashed would have been available if you had deposited it. If we accept

for deposit a check that is drawn on another financial institution, we

may make funds from the deposit available for withdrawal

immediately but delay your availability to withdraw a corresponding

amount of funds that you have on deposit in another account with us.

The funds in the other account would then not be available for

withdrawal until the time periods that are described elsewhere in this

disclosure for the type of check that you deposited.

Longer Delays May Apply. We may delay your ability to withdraw

funds deposited by check into your account an additional number of

days for these reasons:

We believe a check you deposit will not be paid.

You deposit checks totaling more than $5,000 on

any one day.

You deposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the

last six months.

There is an emergency, such as failure of communications or

computer equipment.

Two party checks.

We will notify you if we delay your ability to withdraw funds for any of

these reasons, and we will tell you when the funds will be available.

They will generally be available no later than the eleventh business day

after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the

following special rules will apply during the first 30 days your account

is open: Funds from electronic direct deposits to your account will be

available on the day we receive the deposit. Funds from deposits of

cash, wire transfers, and the first $5,000 of a day’s total deposits of

cashier’s certified, teller’s, traveler’s, and federal, state, and local

government checks will be available on the next business day after the

day of your deposit if the deposit meets certain conditions. For

example, the checks must be payable to you. The excess over $5,000

will be available on the ninth business day after the day of your

deposit. If your deposit of these checks (other than a U.S. Treasury

check) is not made in person to one of our employees, the first $5,000

will not be available until the second business day after the day of your

deposit. Funds from all other check deposits will be available on the

ninth business day after the day of your deposit.

Deposits at Nonproprietary ATMs. Funds from any deposits (cash or

checks) made at automated teller machines (ATMs) we do not own or

operate will not be available until three (3) business day after the date

of your deposit. This rule does not apply at ATMs that we own or

operate. All ATMs that we own or operate are identified as our

machines.

Foreign Checks. Checks drawn on financial institutions located outside

the U.S. (foreign checks) cannot be processed the same as checks

drawn on U.S. financial institutions. Foreign checks are exempt from

the policies outlined in this disclosure. Generally, the availability of the

funds for deposits of foreign checks will be delayed for the time it

takes us to collect the funds from the financial institutions upon which

it is drawn.

HEARTLAND AREA FEDERAL CREDIT UNION ELECTRONIC FUNDS

TRANSFER AGREEMENT AND DISCLOSURE

This Electronic Funds Transfer Agreement is the contract which covers

your and our rights and responsibilities concerning the electronic

funds transfer ("EFT") services offered to you by Heartland Area

Federal Credit Union ("Credit Union"). In this Agreement, the words

"you" and "yours" mean those who sign the application or account

card as applicants, joint owners, or any authorized users. The words

"we," "us," and "our” mean the Credit Union. The word "account"

means any one or more savings and checking accounts you have with

the Credit Union. Electronic funds transfers are electronically initiated

transfers of money from your account through the electronic funds

transfer services described below. By signing an application or account

card for EFT services, signing your Card, or using any service, each of

you, jointly and severally, agree to the terms and conditions in this

Agreement and any amendments for the EFT services offered.

1. EFT Services. If approved, you may conduct any one or more of the

EFT services offered by the Credit Union.

a. MasterCard 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 card number 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 checking 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   use your Card  and  PIN  (Personal

Identification Number) in automated teller machines of the

Credit Union, Cirrus, Nets, 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 checking accounts.

Access your overdraft protection account.

Make POS (Point-of-Sale) transactions with your Card and PIN

(Personal Identification Number) to purchase goods or services

at merchants that accept MasterCard.

Order goods or services by mail or telephone from places that

accept MasterCard.

The following limitations on the frequency and amount of MasterCard

Debit Card transactions may apply:

There is no limit on the number of MasterCard Debit Card

purchases you make per day.

There is no limit to the number of cash withdrawals you may

make in any one day from an ATM machine.

You may withdraw up to a maximum of $310.00 in any one day

from an ATM machine, 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.

You may purchase up to a maximum of $1,000.00 from POS

terminals per day, if there are sufficient funds in your account

For security purposes, there are other limits on the frequency

and amount of transfers available at ATMs.

See Section 2 for transfer limitations that may apply to these

transactions.

b. Call 24. If we approve the Call 24 for your accounts, a separate

PIN (Personal Identification Number) will be assigned to you. You

must use your PIN (Personal Identification Number) along with

your account number to access your accounts. At the present

time you may use the Call 24 to:

Withdraw funds from your savings and checking accounts.

Transfer funds from your savings and checking accounts.

Obtain balance information for your savings and checking

accounts.

Make loan payments from your savings and checking accounts.

Determine if a particular item has cleared.

Obtain tax information on amounts earned on savings and

checking accounts or interest paid on loan accounts.

Verify the last date and amount of your payroll deposit.

Your accounts can be accessed under the Call 24 via a touch

tone telephone only. Call 24 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, transfers, or

withdrawal requests you may make in any one day.

See Section 2 for transfer limitations 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 savings or

checking account.

Preauthorized Debits. Upon instruction, we will pay certain recurring

transactions from your checking account.

See Section 2 for transfer limitations 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. Home Access. If we approve the Online Access for your

accounts, a separate PIN (Personal Identification Number) will be

assigned to you. You must use your PIN (Personal Identification

Number) along with your account number to access your

accounts. At the present time, you may use the Online Access to:

g. Mobile Teller.

If we approve Mobile Teller for your accounts, a separate

personal identification number (PIN) will be assigned to you. You

must use your personal identification number (PIN) along with

your account number to access your accounts. At the present

time, you may use Mobile Teller to:

Withdraw funds from your savings and checking accounts.

Transfer funds from your savings and checking accounts.

Obtain balance information for your savings, checking, loan, IRA,

club and certificate accounts

Make loan payments from your savings and checking accounts.

Determine if a particular item has cleared.

Obtain tax information on amounts earned on savings and

checking accounts or interest paid on loan accounts.

Verify the last date and amount of your payroll deposit.

Your accounts can be accessed under Mobile Teller via mobile device

or other approved access device(s). Mobile Teller will be available for

your convenience 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.

All checks are payable to you as a primary member and will be mailed

to your address on record. 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.

The following limitation on Mobile Teller transactions may apply:

There is no limit to the number of inquiries, transfers, or

withdrawal request you may make in one (1) day.

Maximum amount per transaction is $5,000.

See Section 2 for transfer limitations that may apply to these

transactions.

h. Online Bill Pay.

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 checking

account for bill payment transfer by the designated cutoff 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 schedule your 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 through the mail. We cannot guarantee

the time any payment will be credited to your account by a

vendor.

The following limitations on Online BillPay transaction may apply:

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

2. Transfer Limitations. For all savings accounts, no more than six (6)

preauthorized, automatic, telephone, or Internet transfers and

withdrawals may be made from each account 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.

MasterCard. If you effect a transaction with your MasterCard

card in a currency other than U.S. dollars, MasterCard

International Incorporated will convert the charge into a U.S.

dollar amount. MasterCard International will use its currency

conversion procedure, which is disclosed to institutions that

issue MasterCard cards. Currently the currency conversion rate

used by MasterCard International to determine the transaction

amount in U.S. dollars for such Wholesale rate determined by

MasterCard International for the processing cycle in which the

transaction is processed, increased by one percentage point. The

currency conversion rate used by MasterCard International on

the processing date may differ from the rate that would have

been used on the purchase date or cardholder statement

posting date.

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 savings and checking 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. MasterCard Debit Card Fees.

$3.50 charge for ATM withdrawals at machines we do not own

(nonproprietary).

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

Replacement card fee of $10.00 per card. 

PIN Replacement fee of $3.00.

Non-sufficient funds fee of $30.00.

No charge for any ATM transactions, including inquiries at ATMs

we own or at Cash Corner terminals. ATM inquiry from any

accounts at machines we do not own (nonproprietary) there is a

charge of $2.00 per inquiry.

b Preauthorized EFT Fees.

Non-sufficient funds fee of $30.00.

Stop payment fee of $30.00.

5. Member Liability. You are responsible for all transactions you

authorize using your EFT services under this Agreement. 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. However, TELL US AT ONCE if you believe your

Card and/or access code has been lost or stolen or if you believe

someone has used your Card or access code or otherwise accessed

your accounts without your permission. 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).

You are not liable for an unauthorized MasterCard debit card

transaction that was not conducted at an ATM if you can demonstrate

that you exercised reasonable care in protecting your Card from loss or

theft, you have not reported two or more incidents of unauthorized

use in the past twelve (12) months, and your account is in good

standing. Otherwise your liability for an unauthorized MasterCard

debit card transaction that was not conducted at an ATM will be no

more than $50.

For all other EFT transactions involving access devices, including

transactions conducted at ATMs, your liability for unauthorized

transactions 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 or code 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 or

code, and we can prove that we could have stopped someone from

using your Card or code 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, tell us at

once. 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 will 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, call:

(402) 571-8444

(866) 314-2328

Fax:(402)571-0462

www.heartlandfcu.org

or write to:

Heartland Area Federal Credit Union

6111 North 72nd Street

Omaha, NE 68134-2157

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 or electronic/PC

transactions 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, POS  terminal, or Debit  Card  transaction  with   a

participating merchant.

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 by calling (402) 571-8444 or (866) 314-2328. 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; or

If you give us your written permission.

8. Business Days. 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

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/PC

transactions is not working properly and you know or should

have known about the breakdown when you started the

transaction.

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.

Close the entry door of any ATM facility equipped with a door.

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. If it is after the regular hours of the

financial institution and you are using an ATM, do not permit

entrance to any person you do not know.

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 card.

Report all crimes to law enforcement officials immediately. If

emergency assistance is needed, call the police from the nearest

available public telephone.

11. Billing Errors. In case of errors or questions about electronic funds

transfers from your savings and checking accounts, 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. Call us at:

(402)571-8444

(866) 314-2328

Fax: (402)571-0462

www.heartlandfcu.org

or write to:

Heartland Area Federal Credit Union

6111 North 72nd Street Omaha, NE 68134-2157

Tell us your name and account number.

Describe the electronic transfer you are unsure about, and

explain as clearly as you can why you believe the Credit Union

has made an error or why you need more information.

Tell us the dollar amount of the suspected error.

If you tell us orally, 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.

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 your 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 Nebraska 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.

CLOSED-END CREDIT

THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION

ABOUT HEARTLAND AREA CREDIT UNION’S CLOSED END-CREDIT

LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR

YOUR RECORDS.

Terms Subject to Change. The rates contained herein are effective as of

October 1, 2017. However, the terms described in this disclosure are

subject to change at any time. If, prior to your signing the loan

documents, any of these terms have changed (other than the annual

percentage rate) and you decide, as a result, not to obtain a loan from

us, you would be entitled to a refund of any fees that you paid in

connection with your application.

Terms of Repayment. Interest rates for closed end credit are fixed. The

terms of repayment for the currently published interest rates are as

listed above.

Certificate Secured, Loans covered by Certificate of Deposit from the

credit union will be charged 1% over the C.D. Rate. Members can

borrow 90% of face value of C.D.

OTHER DISCLOSURES

Accuracy of information. The Credit Union uses its best efforts to

ensure the accuracy of all information on this website. However, you

should request written verification of any information to ensure

accuracy. Products, services, terms, conditions, and pricing may change

at any time without notice.

Equipment Failures. The Credit Union will not be liable for any action

or inaction due to any action or inaction related to the website, the

information contained on the website, or any customer transmissions

through the website resulting from equipment failure.