Disclosures

Partners 1st Federal Credit Union home page on the World Wide Web is a service that is intended to provide useful information for Partners 1st members, consumers, and other interested persons. While it is our intent to always present accurate information, we make no warranties regarding the completeness, timeliness, accuracy, or correct sequencing of the information provided on this site. We accept no liability for damages of any kind resulting from reliance on any of the information provided therein. Each user expressively waives any and all rights of action that he or she may have against Partners 1st arising out of use and/or reliance on the information of this service. At certain places on this site, live links to other Internet addresses can be accessed. We do not approve, certify, or control the content on those pages and therefore, can not guarantee the accuracy, completeness, security, safety, privacy, timeliness, or correct sequencing of information located on such addresses.

We use state of the art Internet technology; supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password to access your accounts. If you do not provide this information, we cannot establish an online banking service for you. You can also maintain the security of your banking information by not sharing your I.D. or password with anyone, by changing your password regularly, and by remembering to sign off. For each visit to our Web pages, our Web server automatically recognizes the consumer's domain name and e-mail address. We collect e-mail addresses of those who communicate with us via e-mail. We also compile information on what page consumers visit. We collect information on what page consumers visit and information volunteered by the consumer, such as survey information.

The information we collect is used to improve the contents of our web site, customize the content and/or layout of our pages, and to notify our members about updates and promotions. Members may elect not to be notified of such information. Any information we obtain on our web site is NOT shared with other organizations.

You may visit 1st Online an unlimited number of times and perform an unlimited number of transactions. By logging on to 1st Online, you agree to the following:

I understand that I can:

• Access my account balance and pull up a history of transactions
• View current and past statements free of charge
• Transfer funds within my joint accounts and to other accounts
• Make loan payments by transfer
• Request a check withdrawal by regular or express mail
• Review dividend and interest information
• Change my password
• Place a stop payment
• Access the Bill Payment function
• Apply for a loan

Please note: (1) When withdrawing by check, you may request regular or express mail. There is a fee for express mail (see below); (2) Take care where transferring funds or placing a stop payment as multiple checking accounts may exist. There is a fee for a stop payment (see below); (3) Stop payments are assumed verified and will be in effect for one year; (4) If requesting a future loan payoff amount, this system assumes no future payments, insurance postings, or other loan activity.

For E-statement Members

Bill of Rights

IN CASE OF ERRORS OR TO INQUIRE ABOUT YOUR LOAN ACCOUNT

If you think your statement is wrong, or if you need more information about a transaction on your statement, write us on a separate sheet of paper at the address shown on the statement as soon as possible. We must hear from your no later than 60 days from the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:

• Your name and account number
• The dollar amount of the suspected error
• Describe and explain, if you can, why you believe there is an error. If you need more information describe the item you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay parts of your outstanding balance that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question.

IN CASE OF ERRORS OF QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Write us at the address shown on the front of the statement or telephone us at the telephone number shown in that area as soon as you can if you think your statement or automated teller machine receipt is wrong or if you need more information about a receipt or a transfer on the accompanying statement. We must hear from you no later than 60 days after the first statement on which the error or problem appeared.

• Tell us your name and account number
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information
• Tell us the dollar amount of the suspected error.

We will investigate your complaint and will promptly, usually within 10 "business days," correct the error or send you a written explanation of our reasons for believing no error occurred. If we take more than 10 "business days" to do one of these things, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

For new and current members, personal and business account agreements are available in both English and Spanish upon request or the during account opening.

Please feel free to contact our Members Services department at 260.471.8336 for more assistance.

For new and current members, our rate and fee schedules are available upon request or during the account opening process.

Please feel free to contact our Members Services department at 260.471.8336 for more assistance.

Annual Percentage Rate (APR) for purchases

As low as 13.74% variable*

Other APRs

Introductory Balance Transfer APR: 0% (depending on our review of your application and credit history) through 12 billing cycles after account opening; after that, remaining balance moves to variable APR for purchases, as shown in Variable Rate Information below. Must be processed within 60 days of account opening.
Cash Advance APR: 18% variable*
Default APR: 18% See explanation below**

Variable Rate Information

The following APRs may vary monthly based on Prime Rate:

Cash Advance APR equals the Prime Rate plus:
11.75% (A+ rating) 11.75% (A rating)
13.00% (B rating) 13.00% (C rating)
13.00% (D rating)

Purchase APR equals the Prime Rate plus:
5.74% (A+ rating)
7.74% (A rating)
10.74% (B rating)
13.00% (C rating)
13.00% (D rating)

Grace period for repayment of purchases balances

Not less than 23 days

Method of computing the balance for purchases

Average Daily Balance, including current purchases

Minimum Finance Charge Per Balance Category:

$.50

Balance transfer Fee:

3% ($5 minimum)

Annual Fee:

None

Late Fee:

First Occurrence: $25 (or outstanding balance, if less than $25)

Second Occurrence in Rolling 6 Month Period: $35 (or outstanding balance, if less than $35)

Cash Advance Fee

3% of the advance ($5 min/$50 max. per advance)

Visa International Transaction (1% Visa assessed, 1% processing charge)

2% of transaction amount

We may change the APRs, fees, and other terms of your account at any time in accordance with applicable law.

*The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal on the first business day following the 20th of the calendar month, subject to a maximum rate as determined by law which is currently 18% APR.

**Your Purchase, Balance Transfer and Cash Advance APR may increase if your Account becomes 60 or more days late in making the minimum monthly payment when due as shown on your billing statement for any billing cycle in which a payment is owed.

Annual Percentage Rate (APR) for purchases

As low as 15.74% variable*

Other APRs

Introductory Balance Transfer APR: 0% (depending on our review of your application and credit history) through 12 billing cycles after account opening; after that, remaining balance moves to variable APR for purchases, as shown in Variable Rate Information below. Must be processed within 60 days of account opening.
Cash Advance APR: 18% variable*
Default APR: 18% See explanation below**

Variable Rate Information

The following APRs may vary monthly based on Prime Rate:

Cash Advance APR equals the Prime Rate plus:
11.75% (A+ rating)
11.75% (A rating)
13.00% (B rating)
13.00% (C rating)

Purchase APR equals the Prime Rate plus:
7.74% (A+ rating)
9.74% (A rating)
12.74% (B rating)
13.00% (C rating)

Grace period for repayment of purchases balances

Not less than 23 days

Method of computing the balance for purchases

Average Daily Balance, including current purchases

Minimum Finance Charge Per Balance Category:

$.50

Balance transfer Fee:

3% ($5 minimum)

Annual Fee:

None

Late Fee:

First Occurrence: $25 (or outstanding balance, if less than $25)

Second Occurrence in Rolling 6 Month Period: $35 (or outstanding balance, if less than $35)

Cash Advance Fee

3% of the advance ($5 min/$50 max. per advance)

Visa International Transaction (1% Visa assessed, 1% processing charge)

2% of transaction amount

We may change the APRs, fees, and other terms of your account at any time in accordance with applicable law.

*The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal on the first business day following the 20th of the calendar month, subject to a maximum rate as determined by law which is currently 18% APR.

**Your Purchase, Balance Transfer and Cash Advance APR may increase if your Account becomes 60 or more days late in making the minimum monthly payment when due as shown on your billing statement for any billing cycle in which a payment is owed.