Disclosures

Quickly Access the Information You Need!

• Membership Account Agreement

• Truth-In-Savings

• Fee Schedule

• Courtesy Pay & Overdraft Protection

• Electronic Statement Notification Agreement

• Remote Deposit Capture (RDC) End User License Agreement

• USA Patriot Act

• Digital Banking Disclosure

• Zelle Terms & Conditions

• Bill Payment Terms and Conditions

Your GCEFCU Membership Account Agreement is available within online banking. You may also contact the credit union to view a copy by visiting any GCEFCU location or by calling (281) 487-9333.

Truth-In-Savings Disclosure – Share Accounts

Effective: 11/01/2025

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.

1. RATE INFORMATION — The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Savings, Additional Share Savings, Sandy Saver, Dollar Up Savings, Christmas Club, Regular IRA, Roth IRA, and Educational IRA Savings, Health Savings, Money Market, and Advantage Checking accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. For Premium Market IRA accounts, the dividend rate and annual percentage yield may change on the first day of each month to reflect changes in the average daily balance of the previous months 1-Month Constant Maturity Treasury (Index), to which we add a margin based on the balance in your account. If your balance is from $500.00 to $9,999.99, the margin added to the index will be -0.20%. If your balance is from $10,000.00 to $49,999.99, the margin added to the index will be  0.10%. If your balance is $50,000.00 to $99,999.99, the margin added to the index will be 0.00%. If your balance is $100,000.00 or greater, the margin added to the index will be 0.10%. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Rate Schedule. Regular IRA, Roth IRA, and Educational IRA Savings, Health Savings, and Money Market accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Regular IRA, Roth IRA, and Educational IRA Savings, Health Savings, and Money Market accounts, 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.

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

3. 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.

4. ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Share Savings, Additional Share Savings, Sandy Saver, Dollar Up Savings, Christmas Club, Regular IRA, Roth IRA, and Educational IRA Savings, Health Savings, Money Market, and Advantage Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Dollar Up Savings, and Christmas Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.

5. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a Share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Sandy Saver accounts, you must be 12 years old or younger to open an account. For Share Savings, Additional Share Savings, Sandy Saver, Dollar Up Savings, Christmas Club, Regular IRA, Roth IRA, and Educational IRA Savings, Health Savings, Money Market, and Advantage Checking accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.

6. ACCOUNT LIMITATIONS — For Christmas Club accounts, the entire balance will be transferred into your Share Savings account on or after November 1 and the account will remain open. You may not make withdrawals from your account any other time. If you wish to access the funds in your Christmas Club account, you may close it. A monthly minimum deposit of $20.00 or more is required. For Regular IRA, Roth IRA, Educational IRA Savings, and Premium Market IRA accounts, if you close your account within 1 year of opening, you will be charged a closing fee as stated in the Schedule of Fees and Charges. For Health Savings accounts, see HAS agreement for account limitations. For Dollar Up Savings

accounts, deposits can only be made through the roundup program described below. For Share Savings, Additional Share Savings, Sandy Saver, Money Market, Student Checking, Regular Checking, and Advantage Checking accounts, no account limitations apply.

7. DOLLAR UP SAVINGS ROUND-UP PROGRAM —

a. When you enroll in the Dollar Up Savings Round-Up program, the Credit Union will round up the amount of any debit card purchases associated with your checking account to the next whole dollar amount and transfer the amount in excess of the purchase amount from your checking account to your Dollar Up Savings account.

b. The Credit Union will aggregate the rounded up amounts from purchases that post to your checking account each business day and make a single transfer at the end of the next business day. If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, the Credit Union will not round up purchases posted on that business day and will cancel the daily round-up transfer for that day.

c. If your debit card purchase is subsequently cancelled or reversed, such as a returned purchase, the corresponding daily round-up transfer will remain in your Dollar Up Savings account. Credit transactions or adjustment transactions will not be rounded-up.

d. The Credit Union reserves the right to cancel or modify the Dollar Up Savings Round-Up program at any time.

8. FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card 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 Membership and Account Agreement and 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 Schedule of Fees and Charges for current fee information. For ATM and one-time debit card 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 transactions. 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.

9. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) and pay a nonrefundable membership fee as set forth below.

Par Value of One Share $1.00

Number of Shares Required 1

8. RATES — The rates provided in or with the Rate 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 information on your accounts, please call the Credit Union.

9. FEES — See separate Schedule of Fees and Charges for a listing of fees and charges applicable to your account(s).

Truth-In-Savings Disclosure – Term Share Certificates (CDs)

Effective: 11/01/2025

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are term share accounts.

1. 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 are fixed and will be in effect for the initial term of the

account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

2. DIVIDEND PERIOD — For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date.

3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends are stated in the Rate Schedule. For all accounts, at your option, you may choose to have dividends credited to your certificate account, paid to you by check or transferred to another account of yours. If you elect to have dividends paid to you by check or transferred to another account, compounding will not apply.

4. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a Share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For all accounts dividends are calculated using the daily balance method. The daily balance is calculated by applying a daily periodic rate to the principal in the account each day.

5. 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.

6. TRANSACTION LIMITATIONS — For all accounts, your ability to make deposits to your account and any limitations on such transactions are stated in the Rate Schedule. After your account is opened, you may make withdrawals of principal subject to the early withdrawal penalties stated below and your account will be closed. Partial withdrawals of principal are not allowed. Withdrawals of dividends are not subject to penalty.

7. MATURITY — Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.

8. EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw funds from your account before the maturity date.

a. Amount of Penalty. For College Saver Term Share Certificate and Premium College Saver Term Share Certificate accounts, the amount of the early withdrawal penalty for your account is 30 days’ dividends. For Term Share Certificate, Premium Term Share Certificate, and Jumbo Term Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: 

Terms of 90 days to 12 months 30 days’ dividends 

Terms of greater than 12 months 90 days’ dividends

b. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal.

c. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

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

(ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment of the account; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59½ or becomes disabled.

9. RENEWAL POLICY — The renewal policy for your accounts is stated in the Rate Schedule. For accounts that automatically renew for another term, you have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. For accounts that do not automatically renew for another term, the account balance will be paid to you by check or transferred to another account of yours upon maturity. You will not be paid dividends on the account after the maturity date. For College Saver Term Share Certificate and Premium College Saver Term Share Certificate accounts, your account will automatically renew until you are of the age of 18 years old. After your 18th birthday, the account will automatically renew into a 12 month Term Share Certificate account or if the balance is less than $1,000.00, the balance will be transferred to the Share Savings Account.

10. NONTRANSFERABLE/NONNEGOTIABLE — Your account is nontransferable and nonnegotiable.

11. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) and pay a nonrefundable membership fee as set forth below.

Par Value of One Share $1.00

Number of Shares Required 1

As of September 1, 2025

Savings Accounts Fees

Check Fees

Debit/Credit Card Fees

Loan Fees

Safe Deposit Box

Misc. Fees

Protection for Peace of Mind

Miscalculations happen, expenses add up, and sometimes you run short on cash. When that happens, GCEFCU offers Courtesy Pay – an added layer of protection to help cover your payments and provide peace of mind.

TYPES OF PROTECTION:

Overdraft Protection

Overdraft Protection is available to all members at no cost. In the event that you overdraw your checking account, we will automatically transfer available funds from your savings account to your checking to cover your purchase amount and keep your account from going negative. Think of it as your own personal safety net. 

Courtesy Pay

If you overdraw your checking account and do not have any funds to overdraft from your savings, Courtesy Pay kicks in. Courtesy Pay will automatically approve any bill payments, checks, or ACH transactions up to $250 for regular checking accounts, and up to $750 for advantage checking accounts. This will help you avoid any declined bill payments or return check fees. To have your every day debit card transactions covered as well, you will need to opt in by submitting the Courtesy Pay Opt In form.

Remember – For every overdraft occurrence, you are charged an Overdraft/NSF fee. View fee amounts and full details below.

Courtesy Pay Disclosures

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft protection practices called Courtesy Pay that come with your account.

2. We offer overdraft protection plans, such as a link to a savings account or additional credit union accounts. These plans are less expensive than our “Courtesy Pay” program. To learn more, contact our Member Services Department.

What are the standard overdraft practices (Courtesy Pay) that come with my account?

We DO authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number

• Automatic bill payments

We DO NOT authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions

• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Gulf Coast Educators Federal Credit Union pays my overdraft?

Under our Standard overdraft practices (Courtesy Pay Program): We will charge you a flat $20 fee per overdraft occurrence.

Overdraft/NSF Fees:

$20.00 per Overdraft/NSF Occurrence

Overdraft Fee, NSF fee for check or ACH item – Fee applies to every overdraft created by check, in person withdrawal, ATM/ITM withdrawal, or other electronic means within a business day.

Occurrence – An occurrence is defined as anytime your account is taken negative to pay an item or an item is returned due to insufficient funds in your account.

Available Balance = Current Balance – pending withdrawals/debits

• Your available balance is the balance in your account after deducting debit card or other transactions that are on hold/pending and that GCEFCU is legally obligated to pay as well as any other holds on your account and any deposits that are not yet available for withdrawal under the Funds Availability Act.

• Your available balance is the amount of funds in your account that you can withdraw or access. GCEFCU uses the available balance when deciding to pay items that may overdraw your account. (The available balance can be negative if you overdraw your account).

There is a limit of $300 per day on the total fees we can charge you for overdrawing your account.

*Overdraft balance must be paid within 30 days.

What if I want Gulf Coast Educators FCU to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you may opt in by visiting www.gcefcu.org, logging into your online banking account and completing the OPT-IN FORM or by calling us at (281) 487-9333 or toll free at 1(800) 683-3863. You can revoke your authorization for Gulf Coast Educators FCU to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.

This Agreement governs the electronic receipt of your periodic account statements and account notices for the accounts you enroll in the e-Statement Service.

Definitions

As used in this document, the words, “we,” “our,” “us” and “Credit Union” mean Gulf Coast Educators Federal Credit Union (the Credit Union) and the words “you” and “your” to mean each account owner(s) or authorized signer(s). “Account(s)” means your checking account, savings account, term share account (CD) or loan at GCEFCU. The delivery of periodic account statements, notices and disclosures electronically is referred to as the “e-Statements Service.”

Scope of Consent for Electronic Delivery of Statements

Your consent to receive electronic statements covers the periodic statements you are provided in connection with your account(s). This agreement is in addition to other agreements between you and us, including the applicable deposit account disclosure agreement(s), terms and conditions, and loan agreements with us. By using the e-Statements Service, you accept and agree to be bound by the general terms and conditions governing e-Statements, including, without limitation, all the terms and conditions in this Agreement. You agree to be bound by any and all laws, rules, regulations and official issuances applicable to e-Statements now existing or which may hereafter be enacted, issued or enforced, as well as such other terms and conditions governing the use of other facilities, benefits or services that the Credit Union may from time to time make available to you in connection with e-Statements.

Delivery of e-Statements and Disclosures:

Each month, we will send an automated notification e-mail, to the e-mail address designated by you informing you that your e-Statement is ready for viewing. This e-mail will be sent shortly after the end of your statement period and will provide instructions on how to access your e-Statement. The e-mail will also be the only notice you receive of the availability of your e-Statement online. Your electronic statement will be available for viewing for twenty-four (24) months (or such period as determined by the Credit Union and communicated to you) from the applicable statement date.

We will automatically turn off the paper statements for the account(s) once you have enrolled for e-Statements. You will need to access all future statements for the account(s) through the Credit Union’s Online Banking. You will be able to download, review and/or print your periodic account statements.

Review of e-Statements

Your receipt of e-Statements does not in any way alter your obligation to promptly review your e-Statements. You must promptly access/review your e-Statement and any accompanying items and notify us in writing immediately of any error, unauthorized transaction, or any other irregularity. If you allow someone else to access your statement, you are still fully responsible to review the statement for any errors, unauthorized transactions, or any other irregularities. All provisions as set forth in the applicable deposit account disclosure agreement(s), terms and conditions, and loan agreements shall continue to apply.

Requesting a Paper Copy of Your Account Statement

At any time, you may request a paper copy of any periodic statement or disclosure which has been delivered electronically. Paper copies may be acquired by contacting the credit union at (281) 487-9333 or toll free at 1(800) 683-3863. We will provide the statement or disclosure to you via U.S. Mail. You will be charged the standard copy and research fees for production of a paper copy of your periodic statement.

Your Right to Withdraw Consent

You retain the right to withdraw your consent for electronic delivery of periodic statements. You may withdraw your consent at any time by giving us at least ten (10) days prior notice. Contact us by phone at (281) 487-9333, Toll free at 1(800) 683-3863, by secure message through your online banking account, or by mail at 5953 Fairmont Pkwy, Pasadena TX 77505. Once you have withdrawn your consent, we will then discontinue the e-Statement Service for the account and paper statements and notices will be resumed. The cancellation of e-Statements in no way affects the validity or legal effect of all e-Statements and disclosures which have been previously delivered electronically under the e-Statements Service. There is no fee to withdraw your consent and resume paper statements.

Change of Mailing Address, Email Address, and Other Information

You agree to notify us immediately of any change in your mailing address, e-mail address or other information relevant to this Agreement. You may notify us of your e-mail address change the following ways:

• Telephone: Contact us by phone at (281) 487-9333 or toll free at 1(800) 683-3863

• Postal Mail: You can write to us at: 5953 Fairmont Parkway, Pasadena, TX 77505

• Secure Message: You can send us a secure message by logging into your online banking account.

Please note that you must provide us with a current e-mail address in order to use the e-Statement Service. It is your responsibility to notify the Credit Union in writing of changes to your mailing address for U.S. Mail delivery of other account documentation, including, but not limited to, all year-end tax reporting documents.

Joint Accounts

If your account is owned jointly with another person, either one of you may consent to receive or cancel e-Statements and electronic notices/disclosures. Such consent to access e-Statements shall apply to all owners. A notification e-mail to one owner of a joint account is considered notice to all owners.

Security

You understand the importance of your role in preventing misuse of your accounts and you agree to promptly examine your e-Statement for each of your accounts as soon as you can access it. You must report any errors or discrepancies in accordance with our Account Disclosure as provided to you and with applicable law. Your User ID and Password that are used to access Internet Banking Services should be kept confidential. We strongly recommend that you change your password regularly. You are responsible for keeping your password, account numbers, and other account data confidential. You further understand and agree to notify the Credit Union immediately if your Password should become compromised or known to individuals who are not authorized by you.

System Requirements

In order for you to access and retain your e-Statement records, your personal computer must meet the following requirements:

• Internet and e-mail access

• A certified/supported browser that supports 128-bit encryption

• Adobe Acrobat Reader 7.0 or higher

If your browser does not support 128-bit encryption, you must upgrade it to access the Online Banking secure pages to allow access to your e-Statements. The most updated list of the certified/supported browsers for our Online Banking Service is posted on our website. We strongly discourage you from using unsupported browsers as they may not allow our Online Banking Service to function or display properly and may fail to meet our security requirements. If you are reading this agreement online, you have the necessary hardware and software to access your e-Statement screens. To open and view an e-Statement or any other document sent by the Credit Union your computer system must be equipped with Adobe Acrobat software version 7.0 or higher. You may download Adobe Acrobat for free at www.adobe.com or by clicking on the link provided on the e-Statement selection page. To retain a copy of your e-Statements, you will need a printer attached to your computer capable of printing web pages. To save your e-Statements on your computer you can use the “Save” feature of your internet software to save the pages to your hard drive or to some other media, such as a CD or flash drive.

Change in Terms

The Credit Union reserves the right to change the terms and conditions of this agreement (including fee schedule) at any time, including the addition and deletion of e-Statement Services. We shall update this agreement on our website and may notify you of such changes by mail or electronic message to your most recent addresses listed on our records. The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees, any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. By using the e-Statement Service when such changes become effective, you agree to be bound by the revised terms and conditions contained in this agreement or you can decline the changes by discontinuing the use of the e-Statement Service and notifying us of your election by U.S. Mail.

The Credit Union reserves its right to terminate this Electronic Statement Disclosure Agreement and your access to the e-Statement Service, in whole or in part, at any time, including, but not limited to, when you have not logged on to use Online Banking Services for over 180 days.

Disclaimer of Warranty and Limitation of Liability

You agree that the Credit Union shall not be held liable if you are unable to gain access to the website or the Credit Union’s Online Banking Service from time to time. You understand that some or all of the e-Statement Services and/or other system services may not be available at certain times due to maintenance and/or computer, communication, electrical or network failure or any other causes beyond the Credit Union’s control.

Our Right to Terminate

The Credit Union has absolute discretion to make the e-Statement Service available to you. Further, the Credit Union has the discretion from time to time and upon giving notice to you to modify, restrict, withdraw, cancel, suspend or discontinue the e-Statement Service without giving any reason and you understand that by using e-Statement Service after any modification or change has been affected, you would have agreed to such modification or change.

Consent

By checking the box and clicking “Accept” on the enrollment page, or by completing the secure opt in form, you consent and agree that the Credit Union may provide certain disclosures and notices to you in electronic form, in lieu of paper form, including electronic delivery of statements (e-Statements) for your account(s), warrant that you have the appropriate equipment and software to provide the ability to receive and retain e-Statements and notices, and warrant that you have appropriate authority to act on behalf of the owners of any and all accounts.

This Remote Deposit Capture Application End User License Agreement (“Agreement”) constitutes a legal agreement between Gulf Coast Educators Federal Credit Union, a credit union  organized and existing under the laws of the State of Texas , its subsidiaries, affiliates, agents and/or licensors, Cachet Financial Solutions, Inc. organized and existing under the laws of the State of Minnesota (collectively and individually referred as “we” “us” “our”) and you governing your use of various computing devices, including mobile, tablet, or desktop a remote deposit capture application (“Application”) for conducting financial transactions provided.

YOUR ACCESS OR USE OF THE REMOTE DEPOSIT SYSTEM AND THE APPLICATION DESCRIBED HEREIN BINDS YOU TO AND SHALL BE INTERPRETED AS YOUR EXPRESS CONSENT TO THE PROVISIONS OF THIS AGREEMENT. YOU UNDERSTAND AND AGREE THAT A SEPARATE WRITTEN OR SIGNED AGREEMENT IS NOT REQUIRED TO BIND YOU THE PROVISIONS OF THIS AGREEMENT.

DESCRIPTION OF Application

(a) Remote Deposit Capture is a personal financial information management service that allows you to transmit and deposit checks and other financial instruments through use of the Application provided by us through our online banking services using compatible and supported mobile phones and/or other compatible and supported wireless devices or network devices under your control (the “Service”).

(b) We reserve the right to modify the scope of the Services at any time. We reserve the right to refuse to make any transaction you request through the Service. You agree and understand that the Services may not be accessible or may have limited utility over some networks, such as while roaming.

LICENSE AND RESTRICTIONS

(a) Subject to the terms of this Agreement, we hereby grant you a limited, personal, revocable, nonexclusive, nonsublicensable, nonassignable, nontransferable, nonresellable license and right to use the Application for the sole purpose of your use of the Service.

(b) You acknowledge and agree that any and all intellectual property rights (the “IP Rights”) in the Service and the Application are and shall remain the exclusive property of us. Nothing in this Agreement intends to or shall transfer any IP Rights to, or to vest any IP Rights in, you. You are only entitled to the limited use of the rights granted to you in this Agreement. You will not take any action to jeopardize, limit or interfere with the IP Rights. You acknowledge and agree that any unauthorized use of the IP Rights is a violation of this Agreement, as well as a violation of applicable intellectual property laws. You acknowledge and understand that all title and rights in and to any third party content that is not contained in the Service and Application, but may be accessed through the Service, is the property of the respective content owners and may be protected by applicable patent, copyright, or other intellectual property laws and treaties.

(c) You agree not to sell, assign, rent, lease, distribute, export, import, act as an intermediary or provider, or otherwise grant rights to third parties with regard to the Application or Service or any part thereof without our prior written consent.

(d) You agree not to undertake, cause, permit or authorize the modification, creation of derivative works, translation, reverse engineering, decompiling, disassembling or hacking of the Application, the Service, or any part thereof. You agree not to intercept, capture, emulate, or redirect the communications protocols used by us for any purpose, including without limitation causing the Service or Application to connect to any computer server or other device not authorized by us.

(e) We reserve the right to add or delete features or functions, or to provide programming fixes, updates and upgrades, to the Service or Application. You acknowledge and agree that we have no obligation to make available to you any subsequent versions of the Application. You also agree that you may have to enter into a renewed version of this Agreement if you want to download, install or use a new version of the Service or Application.

(f) We have no obligation whatsoever to furnish any maintenance and support services with respect to the Service or Application, and any such maintenance and support services provided will be provided at our discretion.

(g) You grant to us a nonexclusive, perpetual, non-revocable, royalty free license to use, retain, and share any information transmitted through the Application by you, including, your location, device-based location information, account numbers, name, date, account amount, and endorsements solely for the purpose of providing the Services. This license shall survive termination of this Agreement for such period as necessary for us to provide the Services, comply with the law, or comply with an internal guidelines or procedures.

COMPLIANCE AND INDEMNIFICATION

(a) You agree to use the products and Service for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and will handle the original items in accordance with applicable laws, rules and regulations.

(b) Any image of a check that you transmit using the Application must accurately and legibly provide all the information on the front and back of the check necessary to process the check, including any required endorsements.

(c) You are responsible for any loss or overdraft plus any applicable fees to your Account due to an item being returned.

(d) In the event any item that you transmit for remote deposit that is credited to your account is dishonored, you authorize us to debit the amount of such item from your account.

(e) You agree to notify us immediately if you change your email address, as this is the email address where we will send you notification of receipt of remote deposit items.

(f) You understand and agree that the Services may at times be temporarily unavailable due to the system maintenance or technical difficulties including those of the Internet. In the event that the Services are unavailable, you acknowledge that you can deposit an original check at your branches or by mailing the original check to your financial institution at its then current address. It is your sole responsibility to verify that items deposited using the Services and Application have been received and accepted for deposit.

(g) Processing of transactions may be limited based on our normal hours of operation, or those of third party financial service organizations involved in a transaction.

(h) You make the following warranties and representations with respect to each image of an original check you transmit when utilizing the Application:

1. Each image of a check transmitted to us is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.

2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate.

3. You will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid.

4. Other than the digital image of an original check that you remotely deposit through the Application, there are no other duplicate images of the original check.

5. You have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.

6. You are authorized to enforce each item transmitted or are authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.

7. The information you provided remains true and correct and, in the event any such information changes, you will immediately notify us of the change.

8. You have not knowingly failed to communicate any material information to us.

9. You have possession of each original check deposited using the Application and no one will submit, or has submitted, the original check for payment.

10. Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on your network, data, or related systems.

11. In the event that you believe there has been an error with respect to any original check or image thereof transmitted for deposit, you will immediately contact us regarding such error or breach as set forth below.

(i) You agree to indemnify and hold us harmless, along with our directors, officers, employees, shareholders, and agents from and against all liabilities, losses, costs, expenses (including reasonable attorney’s fees), and damages resulting from: (1) any negligent acts, omissions or willful misconduct by you; (2) your use of the Service and Application; (3) any breach of this Agreement by you; and/or (4) your violation of any law or of any rights of any non-party. The provisions of this section are for the benefit of us and our officers, directors, employees, shareholders, agents, and licensors. Each of these individuals or entities expressly retains the right to assert and enforce those provisions directly against you on its own behalf.

TERMINATION

(a) This Agreement and your use of the Service and Application may be immediately terminated if your use of the Application is in a manner that violates any term of this Agreement or any other applicable agreement between you and us.

(b) Upon termination of this Agreement you: (a) acknowledge and agree that all licenses and rights to use the Service and Application shall terminate; (b) will cease any and all use of the Application; and (c) will remove the Application from all computing devices, hard drives, networks, and other storage media in your possession or under your control.

LEGAL COMPLIANCE AND EXPORT RESTRICTIONS

(a) You represent and warrant that: (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties. You also acknowledge that the Service and Application may be subject to other U.S. and foreign laws and regulations governing the export of software by physical or electronic means. You agree to comply with all applicable US and foreign laws that apply to us as well as end-user, end-use, and destination restrictions imposed by U.S. and foreign governments.

WARRANTY DISCLAIMER

(a) WE CANNOT FORESEE OR ANTICIPATE ALL TECHNICAL OR OTHER DIFFICULTIES RELATED TO THE APPLICATION OR SERVICES. THESE DIFFICULTIES MAY RESULT IN LOSS OF DATA, PERSONALIZATION SETTINGS OR OTHER APPLICATION INTERRUPTIONS. WE ASSUME NO RESPONSIBILITY FOR ANY DISCLOSURE OF ACCOUNT INFORMATION TO NON-PARTIES, THE TIMELINESS, DELETION, MISDELIVERY OR FAILURE TO STORE ANY USER DATA, COMMUNICATIONS OR PERSONALIZATION SETTINGS IN CONNECTION WITH YOUR USE OF THE APPLICATION.

(b) WE ASSUME NO RESPONSIBILITY FOR THE OPERATION, SECURITY, FUNCTIONALITY OR AVAILABILITY OF ANY COMPUTING DEVICE OR NETWORK WHICH YOU UTILIZE TO ACCESS THE APPLICATION OR USE SERVICE.

(c) YOU AGREE TO EXERCISE CAUTION WHEN UTILIZING THE APPLICATION ON YOUR COMPUTING DEVICE AND TO USE GOOD JUDGMENT AND DISCRETION WHEN OBTAINING OR TRANSMITTING INFORMATION.

(d) THE SERVICES AND APPLICATION PROVIDED HEREUNDER IS PROVIDED “AS IS,” WITH ALL WARRANTIES DISCLAIMED, INCLUDING, ALL EXPRESS OR IMPLIED WARRANTIES, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND ANY SIMILAR WARRANTY WHETHER SAID WARRANTY ARISES UNDER PROVISIONS OF ANY LAW OF THE UNITED STATES OR ANY STATE THEREOF. THERE IS NO REPRESENTATIONS OR WARRANTIES THAT THE SOFTWARE IS FREE OF RIGHTFUL CLAIMS OF ANY THIRD PARTY FOR INFRINGEMENT OF PROPRIETARY RIGHTS. THE ENTIRE RISK ASSOCIATED WITH THE USE OF THE SERVICES AND LICENSED APPLICATION SHALL BE BORNE SOLELY BY YOU.

(e) THERE IS NO WARRANTY THAT THE SERVICES AND APPLICATION WILL MEET YOUR REQUIREMENTS, THAT ACCESS TO THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR FREE, OR THAT ANY DEFECTS IN THE SERVICES AND APPLICATION WILL BE CORRECTED. YOU ACKNOWLEDGE THAT ANY DATA OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED OR ACQUIRED THROUGH THE USE OF THE SERVICE AND APPLICATION ARE AT YOUR SOLE RISK AND DISCRETION AND WE WILL NOT BE LIABLE OR RESPONSIBLE FOR ANY DAMAGE TO YOU OR YOUR PROPERTY. YOU ACKNOWLEDGE THAT IT IS YOUR RESPONSIBILITY TO FOLLOW PROPER BACKUP PROCEDURES TO PROTECT AGAINST LOSS OR ERROR RESULTING FROM USE OF THE SERVICES AND LICENSED APPLICATION.

(f) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

(g) SOME JURISDICTIONS DO NOT PERMIT THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO CERTAIN OF THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY

(a) IN NO EVENT SHALL WE BE LIABLE TO YOU FOR SPECIAL, INDIRECT, INCIDENTAL, ECONOMIC (INCLUDING, BUT NOT LIMITED TO LOST REVENUES OR LOST PROFITS) OR CONSEQUENTIAL DAMAGES WHETHER ARISING UNDER CONTRACT, WARRANTY, OR TORT (INCLUDING NEGLIGENCE OR STRICT LIABILITY) OR ANY OTHER THEORY OF LIABILITY. OUR TOTAL LIABILITY FOR ANY AND ALL DAMAGES, REGARDLESS OF THE FORM OF THE ACTION, SHALL BE LIMITED AND CAPPED IN THEIR ENTIRETY TO THE GREATER OF FIVE HUNDRED DOLLARS OR THE TOTAL AMOUNT PAID, IF ANY, BY YOU FOR THE LICENSED APPLICATION AND ANY MONTHLY FEES CHARGED TO YOU DURING THE ONE (1) MONTH IMMEDIATELY PRIOR TO THE DATE THAT THE EVENTS GIVING RISE TO THE ACTION OR CLAIM FIRST OCCURRED. THE LIMITATION OF LIABILITY REFLECTS THE ALLOCATION OF RISK BETWEEN THE PARTIES. THE LIMITATIONS SPECIFIED IN THIS SECTION WILL SURVIVE AND APPLY IN ANY AND ALL CIRCUMSTANCES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO CERTAIN OF THE FOREGOING LIMITATIONS MAY NOT APPLY TO YOU.

NOTICES/CONTACT INFORMATION

(a)  All communication with us should specify your name and Account information. Our contact information is as follows: Gulf Coast Educators Federal Credit Union, 5953 Fairmont Parkway, Pasadena TX 77505. All notices from you must be made in writing. Legal notice to us shall be effective when directed to our Legal Department and received at our address.

GENERAL INFORMATION

(a)  The laws of the State of Texas and applicable provision of federal law, excluding its conflicts-of-law rules, govern this Agreement.

(b) If any part of this Agreement is held invalid or unenforceable, that portion shall be construed to reflect the parties’ original intent, and the remaining portions shall remain in full force and effect.

(c) The failure of us to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.

(d) You agree not to transfer or assign this Agreement or any of your rights under this Agreement. Any purported transfer or assignment by you in violation of this section is void. Subject to the foregoing, this Agreement shall be binding on and inure to the benefit of the parties, their successors, permitted assigns and legal representatives.

(e) The provisions of this Agreement relating to intellectual property ownership, restrictions on use, disclaimers of warranties, limitations of liability and indemnification shall survive termination or expiration of this Agreement for any reason.

(f) The section titles in this Agreement are for convenience only and have no legal or contractual effect.

(g) Any controversy or claim arising out of or relating to this Agreement is to be resolved by arbitration. The arbitration is to be administered by the American Arbitration Association and is to be conducted in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration is to be held before a panel of three arbitrators, each of whom must be independent of the parties. No later than 15 days after the arbitration begins, each party shall select an arbitrator and request the two selected arbitrators to select a third neutral arbitrator. If the two arbitrators fail to select a third on or before the 10th day after the second arbitrator was selected, either party is entitled to request the American Arbitration Association to appoint the third neutral arbitrator in accordance with its rules. Before beginning the hearings, each arbitrator must provide an oath or undertaking of impartiality. Either party may seek from any court having jurisdiction any interim or provisional relief that is necessary to protect the rights or property of that party. By doing so, that party does not waive any right or remedy under this Agreement. The interim or provisional relief is to remain in effect until the arbitration award is rendered or the controversy is resolved. The arbitrators are to have no authority to award punitive damages or other damages not measured by the prevailing party’s actual damages, and may not, in any event, make any ruling, finding or award that does not conform to the provisions of this Agreement. Any arbitration proceeding under this Agreement must be commenced no later than two years after the controversy or claim arose. Failure to commence in a timely arbitration proceeding constitutes both an absolute bar to the commencement of an arbitration proceeding with respect to the controversy or claim, and a waiver of the controversy or claim. The arbitrators are to interpret all controversies and claims arising under or relating to this Agreement in accordance with the laws set forth in Section 9(a). The arbitration is to be conducted in Harris County, Texas. Each party shall submit to any court of competent jurisdiction for purposes of the enforcement of any award, order or judgment. Any award, order or judgment pursuant to arbitration is final and may be entered and enforced in any court of competent jurisdiction.

Important Information About Procedures

For opening a new account:

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record all information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Thank you for your cooperation and for joining us in securing a safer tomorrow.

This agreement governs the terms and conditions for the use of Gulf Coast Educators Federal Credit Union’s Internet Banking service, referred to as Digital Banking Service. By using this Service to conduct transactions, you agree to the terms of this Agreement. Each of your accounts at Gulf Coast Educators Federal Credit Union is also governed by the applicable account disclosure/agreement and Truth in Savings disclosure you received when you opened your account. 

DEFINITIONS: 

As used in this Agreement, "account" and "accounts" mean the Gulf Coast Educators Federal Credit Union account in which you are either the owner or joint owner. "Loan account" and "loan accounts" mean any loan you have with the Credit Union. "You," "your," and "yours" mean the person(s) using the Service. "We," "our," us," and "Credit Union" refer to the individual Credit Union (Gulf Coast Educators Federal Credit Union) that holds your accounts. The Internet Banking system is also referred to as the "Digital Banking System,” which includes online banking and mobile banking. 

DEPOSIT AND CREDIT AGREEMENTS: 

The terms and conditions in this Agreement shall have priority and take precedence over any existing terms and conditions in existing account and loan agreements you have with us in the event of a conflict. 

REQUIRED EQUIPMENT: 

In order to use the Digital Banking Service, you need a digital device with an Internet connection (in this Agreement, your digital device and the related equipment are referred to together as your "Digital Device") with an updated web browser, a username and strong password created by the end user. 

You are responsible for the installation, maintenance, and operation of your Digital Device, browser and the software. Gulf Coast Educators Federal Credit Union is not responsible for any errors or failures from any malfunction of your Digital device, the browser or the software. Gulf Coast Educators Federal Credit Union is also not responsible for any Digital Device virus or related problems that may be associated with the use of an online system. 

THE SERVICE: 

To use Digital Banking, you must have ownership of at least one Gulf Coast Educators Federal Credit Union share account. Through Digital Banking, you will have access to any of your Gulf Coast Educators Federal Credit Union share accounts or loan accounts. Gulf Coast Educators Federal Credit Union reserves the right to deny access to a deposit account or loan account or to deny transactions under certain circumstances. 

HOW TO ACCESS YOUR ACCOUNT: 

To access your accounts through our Digital Banking service, you must have your username, Digital Banking password and at least one Multi-Factor Authentication method. This information is requested when you enter our Digital Banking pages. The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection we recommend that you change your Digital Banking access password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. 

If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify Gulf Coast Educators Federal Credit Union at once at (281) 487-9333. 

*You cannot use Email to initiate transactions, change information or inquire on your account(s). We will not respond to these types of requests via E‐mail since we cannot be certain we are corresponding with you. Please use the appropriate functions within our Digital Banking service, after you have logged in securely using dual authentication. 

For more information on accessing Digital Banking, call us (281) 487-9333 or visit the credit union or credit union website. 

FEES: 

There is currently no access charge or fee for accessing your account(s) through our Digital Banking service. Please refer to the RATE & FEE SCHEDULE for more information. All standard fees set forth in the Membership Account Agreement apply. We reserve the right to impose, modify or change the fee amount, if necessary, after providing a 30 day notice to all users at the Digital Banking login page and/or e‐mail address. Data rates and fees may apply from your carrier or Internet service provider. We have no control over ISP related fees. 

AVAILABLE SERVICES AND LIMITATIONS: 

The following functions may be performed by members through the Digital Banking service: 

Transfers: You may transfer funds between your Shares or Loan Accounts as the account agreements may allow. Transfers done through the service immediately charge or credit your account. TRANSFERS WILL BE EFFECTIVE immediately. 

Account Balances: You may view your share and loan account balances. There may be drafts written against your balance, or other electronic items such as pending debit card transactions or ACH transactions that have not yet been presented to the credit union for payment. The information regarding your account balances on this website is provided to you as a courtesy pursuant to your request. For members that have filed a petition seeking bankruptcy protection under any chapter of the U.S. Bankruptcy Code, no demand for payment is hereby made, and the information provided is not to be construed as an attempt to collect or recover any claim or debt in violation of the provisions of 11 U.S.C. Section 362 

Transaction history: You may view the transaction history for any loan or share account that you have with the credit union. 

E-statements: E‐statements are free to those members who sign up for the service. The e‐statements are available online. You may save the statements to your digital device or other data storage device.

Download Transactions: You may download transactions in various formats (as available on our site) for import into personal financial software programs such as Quicken®. 

View Check Images: You may obtain an image of any paid checks that have cleared your account by selecting the check number on the transaction listing. It will produce an image of the paid check, both front and back. Check copies are available for a period of at least 60 days from the posting date. If you are unable to print or save a copy of your own, or if the image is no longer available, the credit union can print one for you. There may be a charge for obtaining a copy of a check. Please consult the credit union’s Fee Schedule for more information. 

Password Changes: If you are Digital Banking user, you may change your password at any time from within the Digital Banking platform. Passwords should be changed regularly for your protection. 

Additional Services: From time to time, we will announce additional services which are available through our Digital Banking. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced. 

ACCESS LIMITATIONS: We reserve the right to limit access or cancel on‐line access at any time. 

Our Business Days are Monday through Friday excluding observed holidays. 

OPERATING SYSTEMS AND SECURITY: 

Our Digital Banking database is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to insure the privacy of your information when sending data between our Digital Banking server and your device. 

All Digital Banking logins are logged by the server. For authenticated members who use Digital Banking, we collect and store certain information such as how often you visit the Digital Banking section, dates and times of visits and which pages are being used. We use this information for internal review and product evaluation only. We never sell, transfer or trade this information unless we are compelled to do so by law. We may gather and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In these cases, we will share this information with other companies, agencies and law enforcement officials as we determine necessary or as we are required by law. 

Our goal at Gulf Coast Educators Federal Credit Union is to provide members with the convenience of Internet delivery channels and to maintain the privacy of their confidential information. GCEFCU’s Digital Account Access and Bill Payer Service uses industry standard security features as outlined below to assure the confidentiality of this information.

• GCEFCU’s Digital Account Access uses secure communication. Internet Account Access will only allow browsers that support Secure Socket Layers (SSL). SSL ensures that electronic data communicated between your browser and GCEFCU sites cannot be read by third parties even if the data is intercepted. GCEFCU requires that you use a browser with 128 bit encryption.

• Digital Account Access also requires that you enter a password to verify your identity. In addition to the password verification, Digital Account Access will verify additional identifying information prior to processing your request.

• GCEFCU’s Digital Account Access has a timer that will end your session if you do not interact with the site for a predefined period of time.

• GCEFCU’s Digital Account Access uses a state of the art firewall to secure information of member data stored in our systems from penetration by unauthorized parties. The firewall serves as a control point to stop invasive data from entering our systems and assuring that only authorized data leaves our systems. 

GCEFCU USE OF COOKIES:

GCEFCU tracks how visitors use our website in an effort to create the best online experience possible. This may involve the use of cookies or tracking pixels.

A cookie is a small file containing a string of characters that is sent to your digital device when you visit a website. They are designed to hold a modest amount of data specific to a particular client and website, and can be accessed either by the web server or the client’s digital device. 

When you visit the website again, the cookie allows that site to recognize your browser. Cookies may store user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some of our website features or services may not function properly without cookies. 

Tracking pixels usually work in conjunction with cookies and is a type of technology placed on a website for the purpose of tracking activity. Like cookies, information collected by tracking pixels is anonymous and does not include identifiable customer or personal information. 

Cookies are safe, and there are no known cases of cookies being used to introduce or spread computer viruses. While a browser may save cookies to your hard drive, a cookie cannot be used to access your hard drive nor can a cookie be used to reveal anything about you that you have not chosen to enter as a user on a site. 

Through the use of cookies and tracking pixels, GCEFCU may collect information from the visitors to our website, such as date and time of visit, IP addresses, demographic information, pages visited, the browser used, etc. This type of information is used for analytical and troubleshooting purposes, as well as measuring advertising effectiveness. 

If you do not wish to receive cookies, you can set your browser to alert you of a cookie being offered or to reject all cookies. You can also turn cookies back on if your login is not recognized. Just go to the help function on your browser for complete instructions. 

CONFIDENTIALITY and ACCOUNT INFORMATION DISCLOSURE: 

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

• As necessary to complete transfers; 

• To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant; 

• If your account is eligible for emergency cash and/or emergency card replacement services and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s); 

• To comply with government agency or court orders; or

• If you give us your written permission.

CHILDREN’S PRIVACY ACT: 

The online financial services offered through the Credit Union’s Website are not designated for or directed toward children under age 13. We do not knowingly solicit or collect data from children, and we do not knowingly market to children online without express parental consent or notification. If we receive online information from anyone that we know to be a child, we will only use the information to respond directly to a child’s request. 

We recognize that protecting children’s identities and online privacy is important and that responsibility rest with us and with the parents. If any member believes their child has provided personally identifiable information to us, they must contact us so that we can allow them the opportunity to review and delete such information. 

LIABILITY FOR UNAUTHORIZED TRANSFERS: 

Tell us AT ONCE if you believe your password has been lost or stolen and immediately change your password from within the Digital Banking section. Calling is the best way to notify us immediately. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission. 

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 you lost after the sixty (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 kept you from telling us, we may extend the time periods. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at (281)487-9333 or Toll Free at 1(800)683-3863. 

All calls are routed through our contact center.

YOUR RIGHT TO RECEIVE DOCUMENATION: 

All of our Digital banking account activity will appear on your regular account statement. The credit union will not provide separate documentation of your digital banking activity. You may print the confirmation of each transaction from your digital device or record the transaction confirmation number for your records. 

CREDIT UNION’S 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 Disclosure, 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. 

• If the telephone or computer equipment you use to conduct audio response, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. 

• If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. 

• Any other exceptions as established by the Credit Union.

We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the Home Banking service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or service, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software or any part thereof, including, without limitations, any warranties of fitness for a particular purpose or warranties of merchantability. 

TERMINATION OF ELECTRONIC FUND TRANSFER SERVICES: 

You agree that we may terminate this Agreement and your electronic fund transfer services if you, or any authorized user of your Home Banking services or password, breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your accounts or password. 

You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. 

Digital Banking services may be terminated to those members that cause a loss to the Credit Union. 

NOTICES: 

All notices from us will be effective when we have mailed them or delivered them to the appropriate 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 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.

BILLING ERRORS: 

In case of errors or questions about electronic fund 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 60 days after we sent the FIRST statement on which the problem appears. Call us at: 

(281) 487-9333 

(800) 683-3863 

or write to: 

Gulf Coast Educators Federal Credit Union 

5953 Fairmont Pkwy 

Pasadena, TX 77505 

Fax: (281) 998-5891 

• Tell us your name and account number. 

• Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has made an error or why you need more information. 

• Tell us the dollar amount of the suspected error. 

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

We will 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 45** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. 

If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after 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 30 days after you make the first deposit to your account, we will have 20 business days instead of ten (10) business days to investigate the error. 

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

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. 

INACTIVE ACCOUNTS: If you sign up for Digital banking and do not use it for a consecutive12 month period, the Credit Union reserves the right to remove you from this service.

NO WAIVER: Gulf Coast Educators Federal Credit Union shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Gulf Coast Educators Federal Credit Union. No delay or omission on the part of Gulf Coast Educators Federal Credit Union in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions. 

GOVERNING LAW: This agreement shall be governed by the laws of the jurisdiction in which the Credit Union is located and by applicable Federal laws and regulations. 

FEDERAL DISCLOSURE: You agree to accept this disclosure online rather than a paper disclosure. We recommend you print the entire Agreement and Disclosure for your records. If you are unable to print this, please request a paper disclosure to be mailed to you. 

Last revised: 1/2019

Zelle® Terms and Conditions

Zelle Network® Standard Terms

Gulf Coast Educators Federal Credit Union

Zelle End User Agreement

1. Description of Services

a. We have partnered with the Zelle Network (“Zelle”) to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle® or enrolled with another financial institution that partners with Zelle (each, a “User”) using aliases, such as email addresses or mobile phone numbers (the “Service”). We will refer to financial institutions that have partnered with Zelle as “Network Banks.

b. Zelle provides no deposit account or other financial services. Zelle neither transfers nor moves money. You may not establish a financial account with Zelle of any kind. All money will be transmitted by a Network Bank.

c. THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.

2. Eligibility and User Profile

When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to the terms and conditions of this [Agreement]. You represent that you have the authority to authorize debits and credits to the enrolled bank account.

You agree that you will not use the Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Service to request money from anyone for any such payments.

The Service is intended for personal, not business or commercial use. You agree that you will not use the Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose.

We may add, delete, or change the terms of this Addendum any time. We will inform you of changes when legally required and will try to inform you of the nature of any material changes even when not legally required to do so. We may communicate changes by either mail, email or a notice on our website and will make the updated terms available on our website. You agree that by continuing to use the services after the date that changes are posted to our website, such changes will be effective for transactions made after that date, whether or not you access our website or otherwise receive actual notice of the changes. If you do not agree with a change, you may discontinue using the services.

3. Consent to Share Personal Information (Including Account Information)

By using the Zelle service you are consenting to sharing your personal information including account information with Zelle and other Network Financial Institutions for the purpose of processing payment transactions in accordance with its customary processes and procedures

4. Privacy and Information Security

We make security and the protection of your information a top priority. You can access our Privacy Statement here, which is incorporated into and made a part of this Agreement by this reference.

5. Wireless Operator Data

We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third party service provider solely to allow verification of your identity and to compare information you have provided to us or to Zelle with your wireless operator account profile information for the duration of our business relationship. 

See Zelle’s Privacy Policy https://www.zellepay.com/privacy-policy for how it treats your data. You can find the Privacy Statement for Gulf Coast Educators Federal Credit Union here.

6. Enrolling for the Service

a. You must provide us with an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses) and a permanent U.S. mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers). [Participant may omit the parenthetical examples.] You may not enroll in the Service with a landline phone number, Google Voice number, or Voice over Internet Protocol.

b. Once enrolled, you may:

i. Authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and

ii. Receive money from another User either at that User’s initiation or at your request, subject to the conditions of the Section below titled “Requesting Money.”

c. If at any time while you are enrolled, you do not send or receive money using the Service for a period of 18 consecutive months, we may contact you and/or take other steps to confirm that the U.S. mobile phone number or email address that you enrolled still belongs to you. If we are unable to confirm that you are the owner of the mobile phone number or email address, then you understand that we may cancel your enrollment and you will not be able to send or receive money with the Service until you enroll again.

7. Consent to Emails and Automated Text Messages

By participating as a User, you represent that you are the owner of the email address, mobile phone number, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Users that are sending you money or requesting money from you, and from other Network Banks or their agents regarding the Services or related transfers between Network Banks and you. You agree that we may, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree:

1. You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees.

2. You will immediately notify us if any email address or mobile phone number you have enrolled is (i) surrendered by you, or (ii) changed by you.

3. In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that Zelle sends on your behalf may include your name.

4. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf.

5. To cancel text messaging from us, send STOP to 20736. For help or information regarding text messaging, send HELP to 20736 or contact our customer service at 281-487-9333/1-800-683-3863 or by email at info@gcefcu.org. You expressly consent to receipt of a text message to confirm your “STOP” request.

8. Receiving Money; Money Transfers by Network Banks

Once a User initiates a transfer of money to your email address or mobile phone number enrolled with the Service, you have no ability to stop the transfer. [May be modified by a Participant that currently offers scheduled payments.] By using the Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled.

Most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Banks, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e. email, push notification).

If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this [Agreement] and the procedures of the business or government agency that is sending you the payment.

9. Sending Money; Debits by Network Banks

You may send money to another User at your initiation or in response to that User’s request for money. You understand that use of this Service by you shall at all times be subject to (i) this [Agreement], and (ii) your express authorization at the time of the transaction for us to initiate a debit entry to your bank account. You understand that when you send the payment, you will have no ability to stop it. You may only cancel a payment if the person to whom you sent the money has not yet enrolled in the Service. If the person you sent money to has already enrolled with Zelle, either in the Zelle mobile app or with a Network Bank, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.

In most cases, when you are sending money to another User, the transfer will occur in minutes; however, there are circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Banks, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not enrolled as a User with Zelle, either in the Zelle mobile app or with a Network Bank, they will receive a text or email notification instructing them on how to enroll to receive the money. You understand and acknowledge that a person to whom you are sending money and who is not enrolling as a User may fail to enroll with Zelle, or otherwise ignore the payment notification, and the transfer may not occur.

The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we delay or block a payment that you have initiated, we will notify you in accordance with your User preferences (i.e. email, push notification).

We have no control over the actions of other Users, other Network Banks or other financial institutions that could delay or prevent your money from being delivered to the intended User.

10. Liability

Neither we nor Zelle shall have liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Service.

THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE DOES NOT OFFER A PROTECTTION PROGRAM FOR AUTHORIZED PAYMENTS MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED).

Zelle does not offer a protection program for any authorized payments made with Zelle. If you make a purchase using Zelle but you do not receive the item or the item is not as described or as you expected. Gulf Coast Educators Federal Credit Union offers no protection program and bears no liability for authorized payments.

11. Send Limits

You may not make transfers in excess of the limits described below. The amount of money you can send may vary. You may send up to $300 per transaction, with a daily limit of $450. Members may request higher limits by contacting the credit union by phone. We reserve the right to change the dollar amount of transfers at any time without notice. All limits are subject to temporary reductions to protect the security of member accounts. Your transfer limits may vary from those of other members, depending on the criteria we establish from time to time.

12. Requesting Money

You may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle guarantee that you will receive money from other Users by sending a payment request, or that you will receive the amount that you request. Neither we nor Zelle accept responsibility if the other User rejects or ignores your request, or sends you an amount that is less than you request. If a User ignores your request, we may decide or Zelle may decide, in our sole discretion, that we will not send a reminder or repeat request to that User.

By accepting this [Agreement], you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts.

You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by us or by Zelle. Neither we nor Zelle assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

13. Transaction Errors

In case of errors or questions about Zelle transactions, please review our Electronic Funds Transfer Disclosure in the Membership Agreement and Disclosures.

14. Your Liability for Unauthorized Transfers

Notify us immediately if you believe your personal identification number or password has been stolen. For additional information, please review our Electronic Funds Transfer Disclosure in the Membership Agreement and Disclosures.

15. Liability for Failure to Complete Transfers

Neither Gulf Coast Educators Federal Credit Union, nor Zelle, shall have liability to you for any such transfers of money, including without limitation, (i) any failure, through no fault of the credit union or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither Gulf Coast Educators Federal Credit Union, nor Zelle, shall be liable for any typos or keystroke errors that you may make when using the Zelle Network Service. All Zelle transfers are subject to our Electronic Funds Transfer Disclosure in the Membership Agreement and Disclosures.

16. Fees

We do not charge a fee for using the Transfer Service. However, fees associated with text messaging may be assessed by your mobile carrier, and data rates may apply. We reserve the right to assess fees in connection with this service in the future. If we do assess fees, we will give you notice as required by law and deduct any applicable fees from you funding account used for these transactions.

17. Use of Our On-line Banking Site and/or Mobile App

You agree to access this website and/or mobile app in compliance with our Digital Banking Disclosure located in this page

18. Cancellation of the Service

To cancel Zelle, please call the credit union at (281) 487-9333 or toll free at 1(800) 683-3863.

19. Right to Terminate Access

Gulf Coast Educators Federal Credit Union reserves the right to terminate access to Zelle at any time without notice if you violate any terms of this Agreement or there are unauthorized or fraudulent transactions related to your membership or accounts.

20. Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, ZELLE MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. ZELLE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. ZELLE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

21. Limitation of Liability

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK BANKS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF ZELLE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ZELLE’S SERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF ZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK BANKS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

22. Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Service, and except as otherwise provided in this Agreement, you agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Banks from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, errors, or inability to use the Service, or any violation by you of the terms of this Agreement.

23. Governing Law; Choice of Law; Severability

This Addendum constitutes the entire Addendum between the parties concerning the subject matter hereof. This Addendum will be governed by and construed in accordance with the laws of the state of Texas excluding that body of laws pertaining to conflict of laws. 

If any provision of this Addendum is determined by a court of law to be illegal or unenforceable, such provision will be enforced to the maximum extent possible and the other provisions will remain effective and enforceable. All disputes relating to this Addendum are subject to the exclusive jurisdiction of the courts of Texas and the parties expressly consent to jurisdiction and venue thereof and therein.

24. Miscellaneous

Subject to the terms of this [Agreement], the Services are generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our or Zelle’s control. Live customer service generally will be available Monday through Friday, excluding US bank holidays.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Terms and Conditions Agreement for the Gulf Coast Educators Federal Credit Union Internet Bill Pay Service

Note: All references within this document to the terms "Payment Service" and/or "the Service" reflect the Internet Bill Pay Service offered by Gulf Coast Educators Federal Credit Union.

Electronic Disclosure of the Terms and Conditions Agreement for the Internet Bill Pay Service.

Bill Pay Service. 
I acknowledge electronic receipt of the Terms and Conditions Agreement ("Agreement") associated with Gulf Coast Educators Federal Credit Union's Internet Bill Pay Service and agree that I have read and will abide by this agreement. I also agree Gulf Coast Educators Federal Credit Union does not need to provide me with an additional paper (non-electronic) copy of this Agreement unless specifically requested. Further, I understand that a copy of this Agreement can be printed by using my browser's print command and a printer.

Use of a Third-Party Bill Pay Service Provider.
FIS is the third-party bill pay service provider who Gulf Coast Educators Federal Credit Union has contracted with to provide bill pay service to its members. FIS will be processing bill payments directly related to these member-initiated bill payments. Gulf Coast Educators Federal Credit Union, at its sole discretion, reserves the right to change internet bill pay service providers.

Enrollment Request for the Internet Bill Pay Service
Gulf Coast Educators Federal Credit Union reserves the right to refuse enrollment in the Internet Bill Pay Service to any member who does not meet the Internet Bill Pay Service criteria which has been established by the credit union and/or FIS. Included in this criteria is a requirement that subscribers to this service must live within the United States, its possessions and territories.

Internet Bill Pay Service
As used in this Agreement, the term "Payee" means the vendor, biller, person or entity to whom you wish a bill payment to be directed; "Payment Instructions" means the information provided by you to the Service for a bill payment to be made to your Payee (e.g., Payee name, account number, payment amount, payment date, etc.); "Payment Account" means your Checking Account and, in the instance of non-sufficient funds and/or an overdrawn account, any applicable share account or available balance on line of credit accounts (e.g., line of credit overdraft accounts) at Gulf Coast Educators Federal Credit Union, from which all bill payments may be made and/or such funds collected; "Business Day" means Monday through Friday, excluding Federal holidays; "Payment Date" means the Business Day of your choice upon which your bill payment will be made and your Payment Account will be debited; and "Cutoff Time" means 2:00 p.m. Central Standard Time on any Business Day, and is the time by which you must transmit instructions to have them considered entered on that particular Business Day.

By providing the Payment Service with the names and account information of those entities and/or persons to whom you wish to direct payment, you authorize the Service to follow the Payment Instructions that it receives from you or your authorized user through the Internet Bill Pay Service. When the Service receives a payment instruction, you authorize it to debit your Payment Account and remit funds on your behalf so that the funds arrive as close to the Business Day designated by you as soon as reasonably possible.

For this reason, it is necessary that all Payment Dates selected by you be no less than five (5) Business Days before the actual due date for payments that are being sent by check and 4-6 days for ACH payments, (not the late date and/or a date in the grace period). It is your responsibility to schedule your bill payments in such a manner that your obligations will be paid on time. Payment instructions entered after the Cutoff Time or on a non-Business Day will be considered entered in the Service on the next Business Day. If you properly follow the procedures described herein, and the Service fails to send a payment according to the Payment Instructions received, the Service will bear responsibility for all late charges. In any other event, including but not limited to choosing a Payment Date which is not five (5) Business Days before the due date or on or past the due date stated on your invoice or bill, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

A bill payment is "In Process" starting at the Cutoff Time on the Payment Date. A bill payment is a "Pending Payment", starting from the time you enter Payment Instructions until the payment is "In Process." A bill payment is considered "Completed" on the Business Day you selected as the scheduled Payment Date. You may cancel or edit any Pending Payment (including recurring bill payments) by following the directions provided on the Internet Bill Pay system Online Help. There is no charge for canceling or editing a Pending Payment. Please note: we may not have a reasonable opportunity to act on any stop payment or cancellation order given after a payment is "In Process" and it is not possible to stop or cancel a payment which is "Completed." If you desire to cancel or stop any payment which is "In Process", you must contact FIS Customer Service. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. Stop payment requests sent to us via electronic mail or in any other manner will not reach us in time for us to act on your request. Stop payment requests will be accepted only if we have a reasonable opportunity to act on such a stop payment order. If you call, we may also require you to present your request in writing within fourteen (14) days after you call. The charge for each stop payment order will be the then current charge for such service as disclosed in our Rate & Fee Schedule. The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability if it is unable to complete any payments initiated by you through the Service because of the existence of any one or more of the following circumstances:

1.       If, through no fault of ours, your Payment Account does not contain sufficient funds to complete the payment or transfer, or the transfer would exceed the credit limit of your established line of credit account, if applicable (Note: Gulf Coast Educators Federal Credit Union may, at its option, pay a scheduled bill payment which exceeds the balance in the checking account by transferring the amount of the resulting overdraft from your available line of credit or the prime share savings account, indicated on the Membership Application and Agreement or on any subsequent Account Change Card. Per Federal regulation, pre-authorized telephone, Internet or automatic transfers from prime share savings to cover Checking overdrafts cannot exceed six in number per calendar month);

2.       The bill payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;

3.       The Payee mishandles or delays a payment sent by the Service;

4.       You have not provided the Service with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment;

5.       Circumstances beyond the Service's control (such as, but not limited to, fire, flood, or interference from an outside force) that prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing five (5) exceptions to the Service's performance obligations are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment account or causes funds from your Payment Account to be directed to a person or entity which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account and for directing to the proper recipient any previously misdirected payments or transfers.

Payment will be made to your Payee either electronically via the Automated Clearing House (ACH) or by check. The method of payment depends upon the processing method that can be accommodated by the Payee or FIS (e.g., some Payees are unable to accept electronic payments).

The payment may be deducted from your Payment Account by two methods depending upon the amount of the payment and your credit history. The two methods are: 1.) Via an electronic debit through the Automated Clearing House Association (ACH) or 2.) Via a draft drawn on your account and processed through the Federal Reserve System (as if you had written a check drawn upon your Checking Account.) All bill payments debited from your account will appear on your monthly Statement of Account and under the "BILL PAY HISTORY" section of the Internet Bill Pay on the Gulf Coast Educators Federal Credit Union Digital Banking System. ACH debits will reflect the name of the Payee (e.g., XYZ Utility Company) as well as the date and amount; payments by check will be reflected on your statement with a date, payee and address, and amount. All payments can be viewed with the Payee's name, payment amount and payment date by reviewing your recent payment history under the electronic Payment List option provided to you as part of the Internet Bill Pay Service.

Prohibited Payments
The following payment types are prohibited through the Service:

1.       Tax Payments

2.       Court Ordered Payments

3.       Payments to Payees outside of the United States or its possessions/territories

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND OR THE SERVICE.

EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

PIN/Password and Security
To access the Internet Bill Pay service you will need to log on to the Gulf Coast Educators Federal Credit Union Digital Banking service and then click on the Bill Payment icon. From there the system will link you to the Internet Bill Pay site, where you will enter your password (using the Username and Password associated with this service).

You agree not to give or make available your Gulf Coast Educators Federal Credit Union Digital Banking username and password to any unauthorized individuals. You are responsible for all bill payments you, and your Internet Bill Pay authorized user, authorize using the Service. If you permit other persons to use the Service or your Gulf Coast Educators Federal Credit Union username and password (even though you have agreed not to disclose this information); you are responsible for all transactions they authorize. If you believe that your Gulf Coast Educators Federal Credit Union username and password has been lost, stolen or compromised, or that someone may attempt to use the Service without your consent or has transferred money from your account by accessing your account without your permission, you must notify Gulf Coast Educators Federal Credit at once by calling 281-487-9333 during business hours.

You also agree that Gulf Coast Educators Federal Credit Union may revoke your Internet Bill Pay and/or Digital Banking account access services if unauthorized account access and/or transactions occur as the apparent result of negligence in the safeguarding of the username and password belonging to you and/or your authorized user. Further, you agree that, if Gulf Coast Educators Federal Credit Union is notified that you have included the credit union in the filing of a petition of bankruptcy, Gulf Coast Educators Federal Credit Union may revoke or refuse to grant you Internet Bill Pay service and/or Gulf Coast Educators Federal Credit Union Digital Banking account access to your account.

Your Liability for Unauthorized Transfers
If you tell the credit union within two (2) Business Days after you learn of unauthorized access to your account(s) and/or that your Gulf Coast Educators Federal Credit Union Digital Banking Username and Password has been lost, stolen or compromised, you can lose no more than $50.00. If you fail to notify the credit union within (2) Business Days after you learn of unauthorized access to your account(s) and/or that your Gulf Coast Educators Federal Credit Union Digital Banking Username and Password has been lost, stolen or compromised, and we can prove that we could have prevented the unauthorized access to your account(s), or use of your Gulf Coast Educators Federal Credit Union Digital Banking Username and Password had you notified us, you could lose as much as $500.00. If your monthly statement or your online account detail reflect any transfers or payments that you did not make, tell us at once. If you do not tell us within sixty (60) days after the first statement which reflected an unauthorized transfer(s) or payment(s) was mailed to you, you may not get back any money you lost after the 60 days, provided that we can prove that we could have stopped someone from taking money if you had told us in time.

Errors and Questions
In case of errors and questions about your electronic transfers or payments, as soon as you can, you should:

1.       Telephone us

2.       Write us

If you think that your statement is wrong or you need more information about a bill payment listed on the statement, we must hear from you no later than (60) days after you received the FIRST statement on which the problem or error appeared. You must:

1.       Tell us you name and account number.

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, and

3.       Tell us the dollar amount of the suspected error.

If you tell us orally, in person or by telephone, we may require that you send us your complaint or question in writing within ten (10) Business Days after providing verbal notification.

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 45 days to investigate the complaint or question. If we decide to do this, we will re-credit your account within ten (10)* Business Days for the amount you think is in error, so that you may 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 re-credit your account.

If we determine there was no error, we will send you a written explanation within three (3) Business Days after we finish the investigation. We may revoke any provisional credit provided to you if we find that an error did not occur. You may ask for copies of documents which we used in our investigation.

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

Disclosure of Account Information to Third Parties
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transfers you make ONLY in the following situations:

1.       If we return transfers or payments made from your account which are drawn on insufficient funds or if we are unable to complete an electronic transfer or payment because of insufficient funds, or

2.       Where it is necessary for completing transfers, or

3.       In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant, or

4.       To a consumer reporting agency for quality assurance.

5.       In order to comply with a governmental agency or court orders, or

6.       If you give us your written permission.

Charges or Fees
There is no monthly fee for use of the bill pay system. Charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in Gulf Coast Educators Federal Credit Union's Rate & Fee Schedule, which can be found on the Gulf Coast Educators Federal Credit Union web site.

You agree to pay such fees and charges and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply.

You are responsible for any and all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider.

In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account
In using the Service, you are requesting the system to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are not sufficient funds in your Payment Account to cover the transaction), the transaction may not be completed. In some instances you will receive a return notice by secure electronic message via the Gulf Coast Educators Federal Credit Union Digital Banking service. In these cases, you agree that a non-sufficient funds (NSF) fee will be charged in accordance with the credit union's established and published fees. Further, you also agree that a NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account.

By enrolling for and using this Internet Bill Pay service you agree that Gulf Coast Educators Federal Credit Union has the right to transfer funds from your available balance on your line of credit account as well as from all of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.

Alterations and Amendments
The terms of this Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall send notice to you at your address of record or by secure electronic message via the Gulf Coast Educators Federal Credit Union Digital Banking service. Any use of the services after the service sends you a notice of change will constitute your agreement to such change(s). Further, the Service, may, from time to time, revise or update the programs, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the Internet Bill Pay programs, services, and/or related material and limit access to the Service's more recent revisions and updates.

Address Changes
You agree to promptly notify both Gulf Coast Educators Federal Credit Union member/customer service in writing of any address change. Changing your address on the Service does not automatically update your address of record at Gulf Coast Educators Federal Credit Union. Similarly, updating your address at Gulf Coast Educators Federal Credit Union does not automatically update the address on the Service.

Termination or Discontinuation
In the event you wish to discontinue the Service, you must contact Gulf Coast Educators Federal Credit Union Credit Union.

Gulf Coast Educators Federal Credit Union may terminate Service to any individual at any time with cause, but without advance notice. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

Payee Limitations
The Service reserves the right to refuse to pay any person or entity to which you may direct a payment. The Service is obligated to notify you promptly if it decides to refuse to pay a person or entity designated by you. This notification is not required if you attempt to pay tax or court-related payments or payments outside the United States and its possessions/territories (American Samoa, Guam, Marshall Islands, Micronesia, N. Mariana Islands, Palau, Puerto Rico and the Virgin Islands), which are prohibited under this agreement.

Information Authorization
Through your enrollment in the Internet Bill Pay Service, you agree that Gulf Coast Educators Federal Credit Union (or its third-party bill pay service provider) reserves the right to request a credit agency report and/or a review of your credit rating at its own expense through an authorized credit agency/bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a merchant or financial institution to resolve payment-posting problems.

Disputes
In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what one of the Service's employees says and the terms of this Agreement, the terms of the Agreement shall control.

Assignment
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third-party service providers.

No Waiver
The Service shall not be deemed to have waived any of its rights or remedies here under unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions
The captions of Sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions for the Agreement.

Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, United States of America, without regard to its conflicts of law provisions.