Disclosures

Account Agreement, page 2 of 6

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DATCU ACCOUNT AGREEMENT

In this Agreement, the words "you", "your", "party" and "Owner" mean any and all persons or entities who sign a Membership Application or any other application or Card in connection with the opening of any Account with DATCU Credit Union, including any applicant for membership, any Joint Owner, or any other person or entity authorized to use or having access to any such Account. These terms may also be used to mean any person to whom a DATCU MasterCard Check Card (the Card) is issued, any person to whom a personal identification number (PIN) is issued in connection with any such Card, any person authorized to use or given access to any such Card or PIN and any owner on any Credit Union Account which may be accessed by the Card or the PIN. The words "we", "us", "our" and "Credit Union" mean DATCU Credit Union. Each Card that we issue to you must be signed by the person authorized to use the Card.

You authorize us to establish one or more Accounts for you or on behalf of third parties as designated in your Membership Application or in any other Account Application you may execute with us (the "Application"), including but not limited to any Share Savings, Money Market, Checking, IRA Share Savings, Certificate of Deposit and IRA Certificate of Deposit Account. By opening, signing the Card, or using any such Account, you agree to be bound by the terms of this Agreement whether you are acting in your individual capacity, in a fiduciary capacity or in your capacity as an officer, agent, or representative of any business entity or association with regard to any such Account. You also acknowledge receipt of and agree to be bound by our Truth-In-Savings Rate Schedules, Fee Schedules and Account Disclosures as amended from time to time and to conform to our rules, regulations, bylaws, and policies now in effect and as amended or adopted hereafter. In case of any conflict between the terms of this Account Agreement and the disclosures set forth in the Truth-In-Savings Rate Schedules, Fee Schedules, and the Account Disclosures, the disclosures appearing in those Schedules and Disclosures will control unless this Agreement provides otherwise. The Truth-In-Savings Rate and Fee Schedules and Account Disclosures are incorporated into this Agreement. This Agreement is incorporated into and made a part of any application or other document, which you execute in connection with the opening, or use of any Account.

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 information that identifies each person who opens an Account.

What this means to 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.

TRUTH-IN-SAVINGS DISCLOSURES

Truth-In-Savings Disclosures which apply to each of your Accounts, including the dividend rate, interest rate if applicable, and the annual percentage yield on your Accounts, are set out on the Truth-In-Savings Account Disclosures and Rate and Fee Schedules which accompany your Account Agreement.

PRIVACY

DATCU Credit Union is committed to providing you financial products and services to meet your financial goals. We are equally committed to protecting our members' privacy. You can be confident that your financial privacy is a priority of this Credit Union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact Call Center at (940) 387-8585 (Denton) or (866) 387-8585 (Toll-free).

We collect nonpublic personal information about you from the following sources: applications and other forms; transactions with us, our affiliates, or others; consumer reporting agencies; information from past employers, or other institutions where you conducted financial transactions.

We may disclose all the information we collect as described previously and as permitted by law.
Our commitment to provide you with competitive products and services may require that we share information about you with our affiliated third parties.

We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our Credit Union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with DATCU Credit Union, we will not share information we have collected about you, except as permitted or required by law.

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

DATCU Credit Union is committed to protecting the privacy of its members· Members can help by following these simple guidelines. Protect your Account numbers, Card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit Card, which can provide free access to your Accounts if your Card is lost or stolen. Use caution when disclosing your Account numbers, social security numbers, etc. to other persons· If someone calls you, explains the call is on behalf of the Credit Union and asks for your Account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it. Keep your information with us current. It is important that we have current information on how to reach you. If we detect potential fraudulent or unauthorized activity or use of an Account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you have any questions, please do not hesitate to call us - we are here to serve you.

COMPLAINT NOTIFICATION

This credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. Any member wishing to file a complaint against the credit union should contact the Texas Credit Union Department through one of the means indicated below:

In person or by mail:

Texas Credit Union Department
914 East Anderson Lane
Austin, Texas 78752-1699

Telephone Number (512) 837-9236
Fax Number (512) 832-0278
E-mail: complaints@tcud.state.tx.us
Website: www.tcud.tx.us

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.	We do business in accordance with the federal fair housing law and the equal opportunity act.
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