CHANGE IN TERMS
It may be necessary, from time to time, to change the terms or conditions regarding your ATM or Debit Card account. In the event such a change is necessary, we will mail you a copy of such change, at your last known address as shown on the account, at least 21 days prior to the date on which the change becomes effective. In the event an immediate change is required to maintain the security of your account or the credit union system, we shall notify you within 30 days of making the change.

Deposits and Transfers at Automated Teller Machines:
If you make a deposit/transfer at an ATM before 2:30 PM (Central Standard Time-CST) on a business day that we are open, we will consider that day to be the day of your deposit/transfer. However, if you make a deposit/transfer at an ATM after 2:30 PM (CST) or a day we are not open, we will consider that the deposit/transfer was made on the next business day.

ATM Transfers - PULSE and all major ATM Networks: Types of transfers, dollar limitations, and charges
You may access your account(s) by ATM using your ATM card or debit card and personal identification number, to:

• Make deposits to checking or savings account(s) at most ATMs we own or operate.
• Get cash withdrawals from checking or savings account(s).
• You may withdraw no more than $500.00 per 24 hours.
• There is a charge of $1.00 per withdrawal at ATMs we do not own or operate. In addition, the owner of the ATM may add a fee to the amount of your transaction. If so, that fact should be disclosed on the ATM.
• Transfer funds between checking and savings account(s) - there is a charge of $1.00 per transfer at ATMs we do not own or operate.
• Transfer funds from line of credit to checking or savings account(s) only at ATMs we own or operate.
• Transfer funds from checking or savings accounts to line of credit only at ATMs we own or operate.
• Get information about:
• The account balance of your checking or savings accounts.
• The last ten transactions and last ten checks cleared to your checking accounts.
• The last ten transactions to your savings accounts.
• There is a charge of $1.00 per inquiry at ATMs we do not own or operate.
• Some of these services may not be available at all terminals.

Types of Point-of-Sale/ATM Card Transactions:
You may access your checking account(s) to purchase goods (in person) and pay for services (in person).

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

Debit Card Transactions - dollar limitations:
You may not exceed $3,000 in transactions per 24 hours.

Advisory Against Illegal Use
You may use your Security Service Federal Credit Union MasterMoney debit card, hereinafter referred to as “Card,” to conduct any transaction or obtain any Credit Union service permitted by law. Your Security Service Federal Credit Union debit card may not be used for Internet gambling transactions. The Credit Union will decline ALL KNOWN Internet gambling transaction requests. The Credit Union may also decline ALL transactions with a mismatched expiration date and transactions that are hand-keyed if the hand-keyed transaction is for any type of betting, including lottery tickets, casino gaming chips, off-track betting, and wagers. You agree that the use of the Card to obtain a service or effect a transaction that is illegal under the law of any jurisdiction where originated, effected or accomplished will be a default and breach of this agreement. As a result, Security Service Federal Credit Union may terminate the access to the service or withdraw the right to use the Card and/or demand the return of all Cards or other access devices issued to you. If illegal use of your Card occurs, you waive the right to sue Security Service Federal Credit Union and agree to indemnify and hold Security Service Federal Credit Union harmless from any suits or other legal action or liability which may be asserted directly or indirectly, against Security Service Federal Credit Union arising out of or resulting from the illegal use of this Card.

Foreign Transactions
Cross Border Pricing refers to any transaction on a MasterCard debit card in which the cardholder country code differs from the country code of the merchant. Transactions that qualify as Cross Border transactions will be assessed a fee of 0.80%.

If a Cross Border transaction on a U.S. issued MasterCard debit card is submitted to MasterCard in a currency other than U.S. dollars, MasterCard will convert the transaction to U.S. dollars using its currency conversion procedure. A Currency Conversion Assessment of 0.20% will be charged on any transactions requiring currency conversion.

The currency conversion rate used to determine the transaction amount in U.S. dollars may be either a wholesale market rate or government-mandated rate in effect the day MasterCard processes the transaction, which may differ from the date the transaction occurred or when it is posted to the cardholder’s account.

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

DOCUMENTATION
Terminal transfers.

• You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.
• You will get a monthly account statement from us for your checking accounts.
• You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

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

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If the funds are subject to legal process or other encumbrance restricting such transfer.
3. If the transfer would go over the credit limit on your overdraft line.
4. If the automated teller machine where you are making the transfer does not have enough cash.
5. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
6. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.
7. If any authorized signer on the account has made an oral or written request to stop any and/or all transactions.
8. If transactions are stopped for security reasons.
9. Conditions Under Which Your Card May Be Recalled or Its Use Limited - If we suspect the credit union may incur a loss if your accounts can be accessed with your card.
10. There may be other exceptions stated in our agreement with you.

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

1. where it is necessary for completing transfers; or
2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. in order to comply with government agency; or
4. See our Privacy Policy for more information.

UNAUTHORIZED TRANSFERS

(a) Consumer Liability

• Generally. Tell us at once if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission).
• If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
• Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
• If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
• Additional limits of liability for MasterCard®-branded card, when used for point-of-sale transactions. You will not be liable for any unauthorized transactions using your MasterCard®-branded card, when used for point-of-sale transactions, if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (ii) you have not reported to us two or more incidents of unauthorized use within the prior twelve-month period, and (iii) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. "Unauthorized use" means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by MasterCard.

(b) Contact in event of unauthorized transfer
If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed below.

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

1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
4. We will tell you the results of our investigation within 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 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question.

If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign-initiated transfer) for the amount you think is an error, so that you will have the use of the money during the time it takes us to complete our investigation. If your account has been opened 30 days or less, we will provisionally credit your account within 20 days after we hear from you and will correct any error promptly. If we need more time; however, we may take up to 90 days to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

WHERE TO REACH US

By Telephone: Member Contact Center is Open 24 Hours a Day, 7 Days a Week.

In San Antonio: (210) 357-9000
In Colorado Springs: (719) 534-9100
Toll-Free: 1-800-527-7328

By Mail:

Security Service Federal Credit Union
Account Services
PO Box 691510
San Antonio, TX 78269-1510

Business Days: Monday - Sunday
Excluding Federal Holidays

More Detailed Information Is Available on Request.