Web STATLine
Account Information Disclosure

1. Web STATLine Services
   In order to remain eligible for STATLine, you must remain a member of HFCU in good standing. The following transactions may be performed by the member through STATLine:

A. Review balances and transaction history on accounts.

B. Order new checks for use with a HFCU checking account.

C. You may transfer funds between your HFCU Share or Loan Accounts. Transfers from any share except Share Draft
(Checking) are limited to six (6) per calendar month in any combination of online, pre-authorized and telephone transfers.



D. Review year-to-date dividends.

NOTE: Transfers done through STATLine DO NOT immediately charge or credit your account. Transfers will be effective the next business day after the date of such transaction.


2. Operating Systems

A. Our Internet home banking site is designed to operate using World Wide Web technologies and protocols, which are adaptable to a wide range of systems. The home banking section uses SSL encryption and requires a browser with a current (unexpired) Thawte Root CA Security Certificate. We check your certificate and provide update information, if necessary, when you enter the home banking site.

B. The Web STATLine is not a real-time system, you may experience some delays between the time transactions are posted to your account and the time they are viewable through the Web STATLine service.


3. Password/Personal Identification Number (PIN)

A. Access to a member account will be by means of a member's PIN. You agree not to make your PIN available to any other person. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 707-527-6216 between 9a.m. and 5 p.m. Monday through Friday, or write us at 1126 Montgomery Drive, Santa Rosa, CA 95405.

B. You may change your PIN at any time from within the STATLine service. We suggest you change your PIN from time to time and do so immediately if you believe another person has gained access to this information.

4. Charges

A. HFCU does not intend to charge a fee for this service. We do, however, reserve the right to do so in the future and will provide 30 days advance notice to all users through the system.


5. Statements

A. All transactions generated by you through STATLine and any STATLine fees will appear on your monthly or quarterly statement.


6. Our Liability

A. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer;
2. If the STATLine equipment or software was not working properly and you knew about the breakdown when you started the transfer;
3. If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.

B. We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the STATLine 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 STATLine, 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.


7. Errors and Questions

   A. In case of errors or questions about your electronic transfers, telephone us at 707-527-6216 or write us at 1126 Montgomery Drive, Santa Rosa, CA 95405 as soon as you can. We must hear from you no later than sixty (60) days after you learn of the error. You will need to tell us:

1. Your name and account number;
2. Why you believe there is an error and the dollar amount involved;
3. Approximately when the error took place.

B. 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 tell you the results of our investigation within ten (10) business days and correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint, but you will have the use of the funds in question after the ten (10) business days. 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 during the investigation.

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

D. If you need more information about our error resolution procedures, call us at the telephone number shown above.

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