CALL-24 Agreement

Your use of WESTconsin Credit Union's CALL-24 service constitutes an agreement between you and WESTconsin Credit Union, as set forth in this Agreement.

You may make an unlimited number of CALL-24 transactions and/or inquiries per statement period at no charge.

Transfers to a checking account from a savings account by CALL-24 will count toward your limit of six (6) automatic transfers per statement period per suffix under Federal Regulation D.

You can only use CALL-24 with a Personal Identification Number (PIN).

The PIN may be used to perform certain account inquiries and/or transactions from remote locations using a touch-tone service telephone and for such other transactions as may become available.

You are responsible for the safekeeping of the PIN provided by WESTconsin Credit Union and for all transactions by use of CALL-24.

You must notify WESTconsin Credit Union immediately and send written confirmation of any loss or theft of your PIN. If you disclose your PIN to another person, whether it is through intentional, accidental, or negligent action, you are responsible for any such transaction.

You waive all present and future claims against WESTconsin Credit Union and release WESTconsin Credit Union from all responsibility for loss or damage not caused by WESTconsin Credit Union's negligence which you might incur through unauthorized transactions of any kind from your account(s) through the custody and use of your PIN.

If you default in any amounts you owe under this agreement, you agree to pay any and all attorney fees and collections costs incurred by WESTconsin Credit Union to the extent of the law.

WESTconsin Credit Union reserves the right to discontinue access to CALL-24 without notice and will not be liable for failure to honor any CALL-24 transactions.

Amendments to this agreement may be provided, in accordance with applicable laws, without restatement of terms. The use of CALL-24 is subject to such other terms, conditions, and requirements as WESTconsin Credit Union may establish from time to time.

Transactions made through CALL-24 are subject to verification by WESTconsin Credit Union.