For the complete GLCU Fee Schedule, click here.

PRIVACY AND SECURITY POLICY STATEMENT

Great Lakes Credit Union, Inc. (GLCU) is committed to making available financial products and services that will enable its members to meet their financial goals. Protecting personal information and using it in a manner consistent with member expectations is a high priority for everyone associated with Great Lakes Credit Union.

Great Lakes Credit Union members also have a responsibility to safeguard their financial information.

To ensure that members can rely upon the quality of products and services that we make available, Great Lakes Credit Union stands behind the following:

	GLCU will collect only the personal information that is necessary to conduct our business. That means, just what is necessary to provide competitive financial products and services – no more.
	GLCU will protect the personal information of its members. GLCU will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security-coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.
	GLCU members will always have access to their account information. GLCU members will always have the opportunity to review this information and make necessary changes to ensure that our records are complete and accurate.
	GLCU will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.
	GLCU will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our member’s economic well-being. Under no circumstances will we authorize these firms to charge a member’s account without express consent, and we will not sell member information to telemarketing firms.
	GLCU will offer its members a choice as to how their information is used. Any member of our credit union may elect to keep their information from being shared with our business partners. We will tell our members how to exercise their choice and we will take all reasonable steps to make sure their requests are followed. At least once a year, we will remind our members of their right to choose.

WEB SITE PRIVACY POLICY STATEMENT

This is the web site of the Great Lakes Credit Union. (Headquartered in Toledo, Ohio)

The Great Lakes Credit Union (GLCU) recognizes the importance of your privacy on the Internet. The following explains what types of information are collected when you visit this web site.

GLCU does not collect personally identifying information from its web site unless you decide to provide such information.

Visitors under the age of 18 must obtain permission from their parents or guardians before sending any personally identifying information to GLCU.

All information collected by GLCU is used for internal purposes and is not distributed to outside parties unless otherwise stated.

Like all web servers, the GLCU web servers automatically create log files for each visitor who accesses the site. The "access logs" allow GLCU to make the site more useful to you. The logs do not record your names, address, phone number, billing or financial information or any other personally identifying information. The access logs do contain some or all of the following items:

• The Internet protocol Address (IP Address) of the machine accessing the web site.
• The date of the visit.
• The time of the visit.
• The path taken through the site.
• The browser software and platform used.
• The files accessed.

Most Internet Service Providers (ISP) assign IP addresses dynamically. In such a situation, your IP address would be different each time you access the site. Your privacy is further enhanced when your ISP uses a "proxy" server which then assigns the same IP address to everyone accessing the Internet via that ISP.

GLCU does ask its visitors to provide certain personal information when they sign up for our E-mail “Feedback Form”. The information is gathered on a voluntary basis. By providing this information, a visitor may receive e-mail from GLCU on a limited basis.

GLCU reserves the right to change this policy without notice. Any changes to this policy will be posted as soon as reasonably possible, so please check this page periodically. Use of the GLCU web site constitutes consent to any policy then in effect.  

EXTERNAL LINK SECURITY STATEMENT  

Great Lakes Credit Union may provide links to other World Wide Web sites or resources. Because GLCU has no control over such sites and resources, you acknowledge and agree that GLCU is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. Furthermore, you acknowledge and agree that GLCU shall not be held responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Also, your correspondence or business dealings with, or participation in promotions of, advertisers found on our website, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that GLCU shall not be held responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers our website.

FEE SCHEDULE, TRUTH/SAVING DISCLOSURE, ELECTRONIC FUNDS TRANSFER AGREEMENT

Overdraft of Account by ATM or Debit Card, ACH, draft or return item	$32.00/each occurrence
Sustained Account Negativity - After 7 days of account negativity	$ 5.00/per day
Stop Payment - Checks, Money Orders, Cashiers Checks and ACH	$25.00/each or series of cks.
Account Reconcilement Assistance	$18.00/per hour
Account Re-opening - For Account(s) still on the system	$ 7.50/each re-opening
Copy of Item - Check, Money Order or Cashers Check	$ 2.50/per item
Bad Address - for all accounts with incorrect address information	$2.00
Non-Participation Maintenance Fee	$25.00/per month (assessed monthly)
This non-participation fee does not apply to members who meet on of the following criteria: If the member has a GLCU Checking Account or Loan If the member's aggregate account balances exceed $500.00 If the member is 22 years old or younger

Savings Account Fees
Regular Share Savings Account - (Suffix "A") - If balance falls below $5.00	$32.00
Checking Account Fees
Regular Share Draft Checking - (Suffix "X") - If balance falls below $500.00	$ 7.50/per month
Traditional "No Fee" Checking - (Suffix "1") - No minimum balance required	FREE
Check Orders *Members over 50 years old get one box per order FREE - - safety Paper style only
*Members who sign up for the Beginners Credit Program (Savings and Checking) get one order FREE - Safety paper style only
ATM Card, Debit Card Card Fees
ATM Card - 8 transactions per month for FREE, then	1.05/1.50 per transaction*
Debit Card - 60 transactions per month FREE, then	1.05/1.50 per transaction*
*1.05 in participating networks/1.50 in non-participating networks
Card Replacement Fee	$20.00
All account terms and charges disclosed are accurate as of 10-1-02, but subject to charge	**If payment is not made on or before the 5th day after its due date, you will be charge.
Miscellaneous Fees
Call Teller 24 Service (Telephone Banking)	FREE
Internet Banking	FREE
Official (Bank/Cashier's) Checks
One per day in member's name (or 2 with balance over $5000)	FREE
Each Additional Check	$ 5.50
Money Orders	$ 3.50*
Free if over 50 years old (limit 2 per day)
Traveler's Checks
Individual - with $500.00 or more on deposit or over 50 yrs. old	FREE
Individual - with less than $500.00 on deposit and under 50 years old	$ 1.00/per $100 of checks
Checks For Two	$ 1.00/per $100 of checks
Gift Certificates	$ 2.00
Outgoing Wire Transfer - Domestic	$25.00
Outgoing Wire Transfer - International (To a Holding Bank with an account only)	$45.00
Incoming Wire Transfer	$15.00
Overnight (Express) Mail Service
Monday - Thursday - (For next day delivery-marked Express Delivery)	$35.00
Friday - (For Monday Delivery - marked 2nd Day Delivery)	$25.00
Friday - (For Saturday Delivery - marked Express Deliver)	$75.00
Notary Service	FREE
PIN Reset Fee	$2.00
Garnishment	$25.00
Starter checks per page	$2.00
Bill Payer if not used for a 3 month period	$5.95
Safe Deposit Rental (One Seagate Location Only) Members over 50 years old get the yearly rental on the 2x5 for free	Varies per size*

We reserve the right to terminate any account relationship

TRUTH-IN-SAVINGS DISCLOSURE

SHARE SAVINGS ACCOUNT

Rate Information: We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and Crediting: Dividends are accrued daily; compounded and credited monthly. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month.

Dividends: Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day. Dividends begin to accrue on cash and non-cash deposits on the business day you make the deposit to your account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.

Minimum Balance Requirements: The minimum balance to open this account is the purchase of a $5.00 share in the credit union. You must maintain a minimum daily balance of $50.00 in your account to obtain the disclosed Annual Percentage Yield. Youth Savings must maintain a minimum daily balance of $50.00 in the account to obtain the disclosed annual percentage yield.

Transaction Limitations: You may not make more than six withdrawals or transfers per month to another credit union account of yours or to a third party by means of a pre authorized or automatic transfer or telephonic order. No more than three of the six transfers may be made by check, draft, debit card or similar order to a third party.

Money Market

Rate Information: The dividend rate and Annual Percentage Yield on your money market account may change daily, based on the market conditions. Higher balances pay a higher Annual Percentage Yield. See the weekly Investment Rate guide for current rate information.

Compounding and Crediting: Dividends are accrued daily; compounded and credited monthly. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month.

Dividends: Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in our account each day. Dividends begin to accrue on cash and non-cash deposits on the business day you make the deposit to your account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.

Minimum Balance Requirements: The minimum balance to open this account is the purchase of a $5,000.00. You must maintain a minimum daily balance of $5,000.00 or more to receive the current Money Market rates. A daily balance of $0 - $4,999.00 will receive the current dividend rate of Dividend Checking.

Transaction Limitations: You may not make more than three withdrawals or transfers per month to another credit union account of yours or to a third party by means of a pre authorized or automatic transfer or telephonic order. No more than three of the six transfers may be made by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to an excess withdrawal fee of $5.00 per item.

FREE CHECKING

Rate Information: This account does not earn dividends. See Great Lakes Credit Union Fee Schedule for current miscellaneous charges that may be associated with this account.

DIVIDEND CHECKING

Rate Information: We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and Crediting: Dividends are compounded and credited monthly on entire average balances of at least $500.00. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month.

Dividends: Dividends are calculated by the average daily balance method which applies a daily periodic rate to the average daily balance in the account for the period.

Dividends begin to accrue on cash and non-cash deposits on the business day you make the deposit to your account. Dividends are paid from current income and available earnings are required transfers to reserves at the end of the dividend period.

Minimum Balance Requirements: You must maintain a minimum balance of $500 to obtain the disclosed Annual Percentage Yield and to waive the monthly fee. If the minimum balance is not maintained a $7.50 per month service fee will be assessed.

CERTIFICATES

Rate Information: You will be paid the disclosed rate on your certificate until first maturity.

Dividends: Dividends are calculated for the actual number of days from the date of purchase until maturity on the basis of a 365 day year. Dividends begin to accrue on cash and non-cash deposits on business day you make the deposit to your account. Dividends may be compounded to the certificate transferred to another account or disbursed by check. The Annual Percentage Yield disclosed assumes that the dividends remain in the account until maturity. A withdrawal will reduce your earnings.

Minimum Balance Requirements The minimum balance to open this account is $500.00.

Deposits; Deposits are not allowed during the term of the certificate.

Penalty for Early Withdrawal: If the certificate is surrendered for payment prior to the original or renewed maturity date, the following penalties will apply.

1. Certificates with maturities of up to 365 days; forfeiture of 90 days dividends
2. Certificates with maturities over 12 months; forfeiture of 182 days dividends

To the extent necessary to comply with these requirements, the penalty shall be deducted from the amount withdrawn on the remaining account balance if the account has not earned sufficient dividends. The penalty described herein will not be imposed for a withdrawal following the death of an owner, or if dividends are withdrawn before the maturity date.

Renewals: Certificates are automatically renewable on the maturity date of the rate then in effect unless the certificate is presented for surrender of payment within 7 days after the original or renewed maturity date, in which case no dividend will be paid after the maturity date.

IRA Certificates: Please refer to your IRA Trust Agreement for a full explanation of our duties and rights and your responsibilities and rights regarding your IRA account. Request for withdrawal must be received in writing. We reserve the right to require the use of our authorized forms for such requests.

IRA ACCOUNT

Please refer to your IRA Trust Agreement for a full explanation of our duties and rights and your responsibilities and rights regarding your IRA account. Request for withdrawal must be received in writing. We reserve the right to require the use of our authorized forms for such requests.

Rate Information: The dividend rate and annual percentage yield may change every month, based on market conditions.

Compounding and Crediting: Dividends are accrued daily; compounded and credited monthly on full balances over $50.00. Dividends: Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day. Dividends begin to accrue on cash and non-cash deposits on the business day you make the deposit to your account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.

Minimum Balance: The minimum to open this account is $5.00.

HOILDAY CLUB ACCOUNT

Rate Information: We may change the dividend rate of your account.

Compounding and Crediting: Dividends are accrued daily; compounded and credited monthly, when funds are disbursed around November 1 and deposited to your share savings account.

Minimum Balance Requirements: The minimum balance to open this account is $5.00. Additional deposits can be made in any amount, at ay time.

NON-PARTICIPATION FEES

The credit union will assess non-participation fee of $15.00 per month against accounts that do not have:

• A GLLCU checking or loan.
• An aggregate value of $500.00

Note: Members 22 years or younger will not be subject to a non-participation fee.

ELECTRONIC FUNDS TRANSFER AGREEMMENT/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 Great Lakes Credit Union, Inc. ("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 share and share draft 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. ATM

If approved, you may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Mac, PLUS, STAR, Money Station Networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may use your Card to:

* Make deposits to your share and share draft accounts.
* Withdraw funds from your share and share draft accounts.
* Transfer funds from your share and share draft accounts.
* Obtain balance information for your share and share draft accounts.
* Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at POS terminals that carry Mac, PLUS, STAR, Money Station network logo(s).

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

* You may make eight (8) cash withdrawals in any one Month.
* You may withdraw up to a maximum of $300.00 in any one day, if there are sufficient funds in your account.
* You may make sixty (60) POS Transactions in any one month.
* You may purchase up to a maximum of $500.00 from POS terminals per day, if there are sufficient funds in your account.
* You may transfer up to the available balance in your accounts at the time of the transfer.
* See Section 2 for transfer limitations that may apply to these transactions.

Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

b. VISA Check 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 member security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your share or share draft account. It 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, MAC, PLUS, STAR, Money Station Networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to:

* Make deposits to your share and share draft accounts.
* Withdraw funds from your share and share draft accounts.
* Transfer funds from your share and share draft accounts.
* Obtain balance information for your share and share draft accounts.
* Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VISA.
* Order goods or services by mail or telephone from places that accept VISA.

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

* You may make sixty (60) VISA Check Card purchases per month.
* You may purchase up to a maximum of $500.00 per day.
* You may make eight (8) cash withdrawals in any one day from an ATM machine.
* You may withdraw up to a maximum of $300.00 in any one day from an ATM machine, if there are sufficient funds in your account.
* You may make sixty (60) POS Transactions in any one month.
* You may purchase up to a maximum of $500.00 from POS terminals per day, if there are sufficient funds in your account.
* You may transfer up to the available balance in your accounts at the time of the transfer.
* See Section 2 for transfer limitations that may applyto these transactions.

c. CALL TELLER 24

If we approve the Call Teller 24 for your accounts, a separate access code will be assigned to you. You must use your access code along with your account number to access your accounts. At the present time you may use the Call Teller 24 to:

* Withdraw cash from your share and share draft accounts.
* Transfer funds from your share and share draft accounts.
* Obtain balance information for your share and share draft accounts.
* Make loan payments from your share and share draft accounts..
* Determine if a particular item has cleared.
* Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts.
* Verify the last date and amount of your payroll deposit.

Your accounts can be accessed under Call Teller 24 via a touch tone telephone only. Call Teller 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 (ii other financial institutions, the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security, to your share and share draft account.
* Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share, and share draft 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 va 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 Banking.

If we approve the Home Banking 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 Home Banking to:

* Withdraw cash from your share and share draft accounts.
* Transfer funds from your share and share draft accounts.
* Obtain balance information for your share and share draft accounts.
* Make loan payments from your share and share draft accounts.

Your accounts can be accessed under the Home Banking via personal computer. Home Banking will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of 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.

* 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.

g. Bill Payer. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.

We will withdraw the designated funds from your share draft account for bill payment transfer by the designated 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 for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us, Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor.

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

2. Transfer Limitations.

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

3. Conditions of EFT Services.

a. Ownership of Cards.

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

b. Honoring the Card.

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

c. Foreign Transactions.

VISA Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

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

d. Security of Access Code.

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

e. Joint Accounts.

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

4. Fees and Charges.

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

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

 

a. ATM Fees.

* Eight (8) ATM withdrawals per month are allowed free of charge.
* $.95 charge for ATM withdrawals after eight (8) per month.
* Sixty (60) POS transactions per month are allowed free of charge.
* $.95 charge for POS transactions after the sixty (60) per month.
* Replacement card fee of $20.00 per card.
* Non-sufficient funds fee of $32.00.

b. VISA Check Card Fees.

* $.95 charge for Debit Card purchases after sixty (60) per month.
* $.95 charge for Debit Card withdrawals after eight (8) per month.
* Replacement card fee of $20.00 per card.
* Non-sufficient funds fee of $32.00.

c. Call Teller 24 Fees.

* None

d. Preauthorized EFT Fees.

* Non-sufficient funds fee of $32.00.

e. Bill Payer Fees.

* Non-sufficient Funds Fee of $32.00.

f. Please refer to your GLCU schedule of fees for any additional fees.

5. Member Liability.

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

Tell us AT ONCE if you believe your card has been lost or stolen or if you believe someone has used your Card or access code or otherwise accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and was either a VISA or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows.

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

Also, if your statement shows transfers that you did not make, 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:

(419) 246-5910
(800) 523-4175 (After Hours)
Fax: (419) 872-8661

or write to

Great Lake Credit Union,
Perrysburg
Suite A
624 W. South Boundary
Perrysburg, Ohio 43551

6. Right to Receive Documentation.

a. Periodic Statements.

Transfers and withdrawals made through any ATM POS terminal or Debit Card 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.

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 services(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 other claim.
* If funds in your account are pledged as collateral or frozen because of a delinquent loan.
* If the error was caused by a system of any participating ATM network.
* If the electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, or any EFT facility for making such transfers.
* Any other exceptions as established by the Credit Union.

10. Notices.

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

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

* Be aware of your surroundings, particularly at night.
* Consider having someone accompany you when the ATM or night deposit facility is used after dark.
* If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.
* Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.
* If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your Card or deposit envelope, and leave.
* If you are followed after making a transaction, go to the nearest public area where people are located.
* Do not write your personal identification number or code on your ATM Card.
* Report all crimes to law enforcement officials immediately.

11. Billing Errors.

In case of errors or questions about electronic funds transfers from your share and share draft accounts, 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:

* (419) 246-5910
* 800 523-4175 (After Hours)
* Fax: (419) 872-8661

or write to

Great Lake Credit Union,
Perrysburg
Suite A
624 W. South Boundary
Perrysburg, Ohio 43551

* 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 telling 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 (110) business days, we may not credit your account.

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

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

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

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

12. Termination of EFT Services.

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

 
13. Governing Law.

This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Ohio 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-judgement collection actions.

Great Lake Credit Union,
Perrysburg
Suite A
624 W. South Boundary
Perrysburg, Ohio 43551.
(419) 246-5910
(800) 523-4175 (After Hours)
Fax: (419) 872-8661

 

PRIVACY DISCLOSURE AND OPT OUT NOTICE

Great Lakes Credit Union, Inc., your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. These practices are followed by the credit union and its affiliate, Preferred CU Financial Services, and therefore this notice will be applied to both.

If after reading this notice you have questions, please contact us at:

1 (800) 442-3488

or write to:

Marketing Department
Great Lakes Credit Union, Inc.
Perrysburg
Suite A
624 W. South Boundary
Perrysburg, Ohio 43551.

or

email: info@glcu.com Marketing Department

We may disclose all of the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties:

" Financial service providers, such as insurance companies

" Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors, and government agencies

Great Lakes Credit Union, Inc. and its affiliate Preferred CU Financial Services may also work closely to offer products and services to meet member needs. As a result, we may also share your nonpublic personal information with each other as permitted by law.

Disclosure of Information to Parties That Provide Services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with which we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

How to Opt Out or Stop Certain Disclosures About You
If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures-you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of the disclosures to nonaffiliated third parties, you may:

Print out and complete the opt-out form (below) and return it to:
Marketing Department
Great Lakes Credit Union, Inc.
Perrysburg
Suite A
624 W. South Boundary
Perrysburg, Ohio 43551.

You may opt out of these disclosures at any time. This opt out, by law, will not apply to disclosures that are legally permitted or disclosure we make to companies that perform services on our behalf or to other financial institutions that have joint marketing agreements with us.

Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election.

Note to joint account holders: If you and someone else (or others) who is/are not member(s) of our credit union has/have obtained a financial product from us, the nonmember(s) is/are eligible to exercise the right to opt out. If any one of you exercises the right to opt out, we will treat it as if all of you directed us to not make disclosures to nonaffiliated third parties (except those that are permitted by law).

Disclosure of Information About Former Members
If you terminate your membership with Great Lakes Credit Union, Inc. or it's affiliate, Preferred CU Financial Services, we will not share information we have collected about you, except as may be permitted or required by law.

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

What Members Can Do to Help
Great Lakes Credit Union, Inc. is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

" Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
" Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
" Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
" Let us know if you have questions. Please do not hesitate to call us-we are here to serve you!