(800) 245-0433 PO Box 60651, Montclair, CA 91763

UCC Article 4A Disclosure

DISCLOSURES REGARDING ELECTRONIC “WHOLESALE CREDIT” TRANSACTIONS SUBJECT TO UNIFORM
COMMERCIAL CODE ARTICLE 4A

PROVISIONAL PAYMENT:

Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.

NOTICE OF RECEIPT OF ENTRY:

Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statement we provide to you.

CHOICE OF LAW:

We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (“ACH”) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Kansas, unless it has otherwise specified in a separate agreement that the law of some other state shall govern.
For questions call or write:
1-800-245-0433
United Methodist FCU
PO Box 60651,
Montclair, CA 91763-1126


New Auto Loans

as low as

2.99%APR*


Used Auto Loans

as low as

3.25%APR*


Church Loans

as low as

3.50%APR*


VISA® Classic

as low as

15.40%APR*


VISA® Platinum

as low as

10.60%APR*


Regular/Special Share

Dividend Rate

0.05%APY*


Youth Share Account

Dividend Rate

0.10%APY*


Christmas Club

Dividend Rate

0.10%APY*

* APR = Annual Percentage Rate. APY = Annual Percentage Yield. All rates are subject to change without notice. See applicable disclosures on rates page.