TRUTH-IN-SAVINGS DISCLOSURE

The rates, fees, and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure.
The Credit Union may offer other rates for
these accounts from time to time.

ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure 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 all accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union's Board of Directors. The dividend rates and annual percentage yields are the rates and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. The Money Market account is a tiered rate account. If your average daily balance is $2,499.99 or below, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply. If your average daily balance is from $2,500.00 to $24,999.99, the second dividend rate and annual percentage yield listed for this account will apply. If your average daily balance is from $25,000.00 to $99,999.99, the third dividend rate and annual percentage yield listed for this account will apply. If your average daily balance is $100,000.00 or greater, the fourth dividend rate and annual percentage yield listed for this account will apply. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

NATURE OF DIVIDENDS - Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

DIVIDEND COMPOUNDING AND CREDITING - The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated 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 period and ends on the last calendar day of 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. If you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Christmas Club and Vacation Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.

BALANCE INFORMATION - To open any account, you must deposit or already have on deposit at least the par value of one full share in any account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For all accounts, there is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated on the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

ACCOUNT LIMITATIONS - For Regular Savings, Escrow Savings, Special Savings, and Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Christmas Club accounts, 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. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Christmas Club accounts, you may close it. If you close your Christmas Club accounts, you will be charged a fee of all accrued, uncredited dividends. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Vacation Club accounts, the entire balance will be paid to you by check on or after June 1 and the account will remain open. You may not make withdrawals from your account at any other time. If you wish to access the funds in your Vacation Club accounts, you may close it. If you close your Vacation Club accounts, you will be charged a fee of all accrued, uncredited dividends. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For Share Draft Checking accounts, no account limitations apply.

FEES FOR OVERDRAWING ACCOUNTS - Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.

INDIANA LAKES FEDERAL CREDIT UNION
DEBIT CARD AGREEMENT AND DISCLOSURE

This Debit Card Agreement is the contract which covers your and our rights and responsibilities concerning the debit card services offered to you by Indiana Lakes 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 anyone or more share and share draft accounts you have with the Credit Union. Debit Card transactions are electronically initiated transfers of money from your account through the Debit Card services described below. By signing an application or account card for Debit Card 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 Debit Card services offered.


1. MASTER MONEY DEBIT CARD -
You may use your Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. 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 share draft account. For one-time debit transactions, you must consent to the Credit Union�s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member�s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of charges, if the balance in your account is not sufficient to pay the transaction amount the credit union may 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, STAR. VISA. MasterCard. Cirrus. 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:

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

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

There is no limit on the number of MasterMoney Debit Card purchases you make per day. 
You may purchase up to a maximum of $1,000.00 per day. 
There is no limit to the number of cash withdrawals you may make in anyone day from an A TM machine. 
You may withdraw up to a maximum of $250.00 in anyone day from an ATM machine, if there are sufficient funds in your account.
  You may purchase up to a maximum of$1,000.00 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.

2. TRANSFER LIMITATIONS -
For share accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

3. CONDITIONS OF MASTERMONEY DEBIT CARD 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
Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a government-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed This rate may differ from the rate applicable on the date the transaction occurred or was posted to your account.
A fee of 1 percent will be charged on all transactions completed outside of the United States where the cardholder's country code differs from the merchant's country code. In addition, a fee of up to 1 percent will be charged on all transactions completed in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded.
d. Security of Access Code
You may use one or more access codes with your MasterMoney Debit Card. 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 code. You agree not to disclose or otherwise make your access code available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access code 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 this access code and the Credit Union suffers a loss, we may terminate your Master Money Debit Card 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 MasterMoney Debit Card 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 MasterMoney Debit Card transaction on any account from any joint account owner.

4. FEES AND CHARGES-
There are certain fees and charges for EFT services. From time to time, the charges may be changed. We will notify you as required by applicable law. The following fees and charges will be deducted from your share draft account as applicable. We do not charge for any purchases using you MasterMoney Debit Card or for use of a STAR ATM owned by the Credit Union. After two (2) free transactions per month, you will be charged $.50 for any transactions performed at a STAR ATM not owned by the Credit Union. You will be charged $1.25 for any transactions performed at a Cirrus ATM. There is a $5.00 charge for replacement of lost, stolen, or damaged cards,
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.

5. MEMBER LIABILITY -
You are responsible for all transfers you authorize using your MasterCard debit card. If you permit someone else to use 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 and/or access code has been lost or stolen, if you believe someone has used your Card or access code or otherwise accessed your accounts without your permission, or if you believe that an electronic fund transfer has been made without your permission using information from your check. 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 have exercised reasonable care in protecting your Card from loss or theft, you have not reported two (2) 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.
If an unauthorized transaction is conducted at an ATM, 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 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.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means. TELL US AT ONCE. If you do not tell us within 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:
  (574) 267-7497 or write to:

Indiana Lakes Federal Credit Union
322 South Detroit Street
Warsaw, lN 46580
Fax: (574) 269-9509
You should also call the number or write to the address listed above if you believe a transfer has been made using the information from you check without your permission.
6. RIGHT TO RECEIVE DOCUMENTATION -
a. Periodic Statements
Transfers and withdrawals made through any 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 can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or point-of-sale (POS) terminal.

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 trans-actions 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 or 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; or 
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; and 
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 or if you need more information about a transfer on the statement or receipt, 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. Cal us at:
(574) 267-7497 or write to:
Indiana Lakes Federal Credit Union
322 South Detroit Street
Warsaw, lN 46580
Fax: (574) 269-9509

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; and
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 determine whether an error has occurred 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.

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

*lf 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 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 Indiana 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.
 

CONSENT FOR ELECTRONIC DISCLOSURES UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT

Introduction. You are submitting a loan application through the Credit Union's internet related services. In order to do this, we need you to consent to our giving you certain disclosures electronically. This document informs you of your rights when receiving legally required disclosures, notices, and information ("Disclosures") from the Credit Union. By completing and submitting an application to us, you acknowledge receipt of this document and consent to the electronic delivery of such Disclosures. Such documents may include loan application disclosures, our initial privacy policy and some or all communications about your application. This is your copy of the Consent. Please read it carefully and print and retain a copy for your records. The decision to do business with us electronically is yours. All agreements with the Credit Union are subject to the terms and conditions of your Credit Union Membership Agreement.
Electronic Communications. Any Disclosures related to your Request may be provided to you electronically through our website and/or email. However, you may obtain a paper copy of any of the Disclosures (see Requesting Paper Copies below).
Requesting Paper Copies. If you wish to obtain a paper copy of any of the Disclosures that are being provided electronically, you may write to the address, or call us at the phone number provided below, with the details of your request. Paper copies will be provided to you at no charge.
Scope of Consent. You consent to receive Disclosures and to do business electronically. The following information and disclosures may be provided electronically:
the Agreements and Disclosures for all Services you elect to use; and, all communications (including disclosures and notices) regarding online banking, all future amendments (including to the Agreements), and all notices of changes, suspension, restriction, and termination of e-Banking services.
Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: Internet Explorer 4.0 or above, Netscape Navigator 4.0 or above or equivalent software; and hardware capable of running this software.
Withdrawing Consent. You may withdraw your consent to do further business electronically with us at no cost to you. If you decide to withdraw your consent, the legal validity and enforceability of prior electronic Disclosures will not be affected. Because the Credit Union may provide the Disclosures to you as soon as you consent, you will not be able to withdraw your consent to do business electronically with the Credit Union online. However, you may request paper copies of those disclosures (see Requesting Paper Copies above). You can also withdraw your consent to receive further Disclosures electronically at any time and at no cost to you. You may do so by contacting us at the address or phone number provided below.
Changes to Your Contact Information. You should keep us informed of any change in your electronic or mailing address. You may notify the Credit Union at the address provided below regarding any such changes.
Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, transaction records, notes, mortgages, deeds of trust, and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records.
"E-Mail" and Facsimile Communications. You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application and Signature Card, or any other application or written communication actually received by us. Any account owner, co-borrower, or authorized user may change the e-mail address for statements or other information from us at any time.
Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through unsecured e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized transaction, stop payment request, or otherwise, you may call the Credit Union at the phone number provided below.
You expressly consent and agree to us, our agents or any parties we authorize sending and your receiving any communications hereunder by facsimile or other electronic methods including any offers for Credit Union, affiliate or third party services and/or products.
Links to Other Sites. Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party website. The Credit Union is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-parry websites, you do so at your own risk.
Printing or Saving Electronic Documents. If you choose electronic delivery and want to retain the Disclosures (including this notice) to read them later, you will need to print them or save them. To print them, you will need a basic printer capable of printing Web pages. To save any of the disclosures, you can use the "Save" feature of your Internet browsing software to save the pages to your hard drive or to some other media, such as a floppy disk.

Perfect Teller Disclosure
This Disclosure is pursuant to the Federal Electronic Funds Transfer Regulation. The use of Perfect Teller Personal Identi�fication Number (PIN) is subject to the following regulations covering the rights and liabilities of the user and Indiana Lakes Federal Credit Union.
Member Liability for Unauthorized Persons
If you believe your PIN has been stolen or used by an unauthor�ized person, you must report this to us at once. You may also want to change your PIN immediately by directly calling the credit union and making the change. Telephoning is the best way to keep losses to a minimum. If you do not notify us im�mediately, you could lose substantial sums of money If you notify us within two business days, and during the time some-one uses your account without your pennission, you can lose no more than $50.
If you do not notify us within two business days after you team of the theft of your PIN, and we can prove that we could have stopped someone from using your PIN without your per-mission if you had told us, you could lose as much as $500.
If your statement shows transactions that you did not make, notify us at once. If you do not notify us within 60 days, after the statement was mailed to you, you may not get back money you lost after the 60 days if we can prove that if we had been notified we could have stopped someone from taking the money.
Reporting Stolen PIN or Unauthorized Transactions Call us immediately at (574) 267-7497. Our business hours are Monday through Friday 8:00 to 5:00 for the front lobby, and Friday 5:00 to 6:00 for the drive-thru.
Member Liability
If Perfect Teller privileges are abused, as determined by Indi�ana Lakes Federal Credit Union, the credit union has the right to discontinue the Internet access to that member.
Credit Union Liability
If we do not properly complete a transaction to or from your account according to our agreement with you, we are liable for your losses, or damages. However, there are some exceptions. We are NOT liable if through no fault of ours, your account does not contain enough money to make the transfer, Perfect Teller was not working properly, and you knew about the condition when you began the transaction
Questions About Statements
If you think your statement is wrong, or if you need more information about a transfer on a statement, telephone us at (574) 267-7497 or extension 2741 or write us at Indiana Lakes Federal Credit Union, PO Box 1064, Warsaw, Indiana 46581-1064 as soon as possible. We must hear from you within 60 days after we have sent you the first statement on which the error appeared.
Tell us your name and account number
Describe the error or the transaction you are unsure about, and explain as clearly as possible why you believe it is 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 10 business days.
We will tell you the results of our investigation within 10 business days after we hear from you and we will correct any error on our part promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If we decide to do this, ve will credit your ac-count within 10 business days for the amount you think is in error. This will insure your having the use of the money dur�ing the time it takes to complete our investigation. If we ask you to put your complaint 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 three business days after finishing our investigation. If requested. we will provide copies of the documents used in our investigation.
Indiana Lakes Federal Credit Union
322 South Detroit Street
Warsaw, IN
46580
(574) 267-7497
Fax: (574) 269-9509

 

FEE SCHEDULE

Checking Account Fees

  Overdraft                                                       $25.00/item
 NSF                                                               $25.00/item
 Deposited Item Return                                   $5.00/item
 Stop Payment:    Initial Set-up                        $8.00/request 
                            Clearing Item                       $8.00/request

 Share Draft Printing                                       Prices may vary depending upon style
 Draft Copy                                                     $1.25/item
 Overdraft Transfer                                        $1.00/item

Money Market Account Fees
  Excess Withdrawal                                        $10.00/Preauthorized, automatic, online or telephone transfer or
                                                                          withdrawal in excess of 6 

Mailed Statement                                             $2.00/Month for each mailed statement. Online statements are
                                                                          available with no service fee.


Other Service Fees
  Account Reconciliation                                   $20.00/hour
Statement Copy                                               $2.00/copy
Wire Transfer Incoming:  Domestic                 $20.00/transfer 
                                        International             $40.00/transfer

IRS Levy                                                          $20.00
Dormant Account                                             $2.00/month
ATM/Debit Card Replacement                          $5.00 each
Cashier�s Check                                            $1.00/check
Outgoing Fax                                                   $2.00/page
Returned Mail Postage cost plus                     $1.00
ATM Empty Envelope                                       $5.00 each
Notary                                                              Free
Garnishment                                                     $5.00
Signature Guarantee                                        Free

EFT Fees
  Overdraft                                                            $25.00/item
Credit Union ATM Withdrawal/Transfer               Free
Nonproprietary ATM Withdrawal/Transfer          $1.25; 2 free per month
Overdraft Transfer $1.00/month

Share Value/Membership Fee
  Par Value of One Share                                      $5.00
Membership                                                         $1.00

The rates and fees appearing with this Schedule are accurate as of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union
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