This Agreement is the contract which covers your and our rights and responsibilities concerning Online Banking services (hereinafter referred to as "Online Banking" except as otherwise provided) and BillPay Online bill payment services offered to you. In this Agreement, the words "you" and "yours" mean those who sign the Membership Application or any Online Banking authorization form. The words "we," "us," and "our" mean the Washington State Employees Credit Union ("Credit Union"). The word "account" means any one or more share accounts you have with the Credit Union.

By signing or submitting an online authorization for the Online Banking/BillPay Online service, you agree to the following terms governing your and our rights and responsibilities concerning the OnlineBanking  and BillPay Online electronic funds transfer services. Electronic funds transfers ("EFTs") are electronically initiated transactions through Online Banking and BillPay Online transactions involving your deposit accounts.

1. Online Banking Services. Upon approval, you may use your personal computer to access your accounts. You must use your account number along with your access code to access your accounts. The Online Banking service is accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the Credit Union's Online Banking services may not be available due to system maintenance. You will need a personal computer and a web browser (such as Netscape Navigator or Microsoft Internet Explorer). The online address for the Online Banking service is www.wsecu.org. You are responsible for the installation, maintenance and operation of your computer. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. At the present time, you may use the Online Banking service to:

• Transfer funds between your savings, checking, and loan accounts. 
• Review account balance, transaction history, and tax information for your savings, checking, and loan accounts.
• Review information on your loan account including payoff amounts, due dates, finance charges, interest rate, and balance information.
• Make bill payments from your checking account through the BillPay OnLine service. 
• Request that a withdrawal from any savings, checking, or loan account be mailed to you in check form. 
• Communicate with the Credit Union using the message board (E-mail) feature.
• Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement and transactions involving a line of credit account will be subject to your Loan Agreement and Disclosures, as applicable.

2. Online Banking Service Limitations. The following limitations on Online Banking transactions may apply:

a. Transfers. You may make funds transfers to your other accounts as often as you like. However, transfers from your savings accounts will be limited to a total of six (6) in any one month. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

b. Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for any ATM deposit transactions, VISA debit card transactions, and our Funds Availability Policy.

c. E-Mail. The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at the telephone number set forth in Section 4.

d. Bill Payments. When you apply for the BillPay Online Service you must designate your Checking Account as the account from which payments that you authorize will be deducted. You will be given the ability to set up merchants, institutions or individuals that you would like to pay. We reserve the right to not allow the designation of a particular merchant or institution.

You or any persons who you have authorized to use your BillPay Online Service, Online Banking  Service, sign-on Password or any access code can perform the Bill Pay transactions under the following terms and conditions:

1.      Definitions. "Biller" is the person or entity to which you wish a bill payment payment to be directed or is the person or entity from which you receive electronic bills payments, as the case may be.

"Payment Instruction" is the information provided by you to us for a bill payment to be made to the Biller (such as, but not limited to Biller name, Biller account number, and Scheduled Payment Date).

"Payment Account" is the checking account from which bill payments will be debited.

"Scheduled Payment Date" is the day you want your Biller to receive your bill payment and also is the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

"Due Date" is the date reflected on your Biller statement for which the payment is due. It is not the late date or grace period.

"Scheduled Payment" is a payment that has been scheduled through the BillPay service but has not begun processing.

2.      BillPay Online Transactions.

(i) Bill Payment Scheduling. The earliest possible Sheduled Payment Date for each Biller (typically four (4) or fewer days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than four (4) Business Days from the current date. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller Statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period.

(ii) Payment Authorization and Payment Remittance. By providing the Credit Union with names and account information of Billers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the payment system. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with Biller directives.

When we receive a Payment Instruction, you authorize us to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize us to credit your Payment Account for payments returned to us by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user.

(iii) Payment Methods. We reserve the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment.

3.      Payment Authorization and Instructions.

(i) Payment Cancellation Requests. You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once we have begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted. Any payments we have already processed before the requested cancellation date will be completed by us. Any Scheduled Payments, including recurring payments, will not be processed once your service is cancelled. We may terminate or suspend the BillPay Online service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

(ii) Stop Payment Requests. Our ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. We also may not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact our Call Center. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. We also may require you to present your request in writing within fourteen (14) days. The charges for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.

If you wish to place an oral stop payment on a recurring bill payment transaction, not using the BillPay Online service, the Credit Union must receive your oral stop payment request no less than (5) business days before the Scheduled Payment Date. You may call the Credit Union at the telephone number set forth in Section 5 to request a stop payment. If you call, the Credit Union may require you to confirm your stop payment request in writing within 14 days after the call.

4.      Limitations on Payments.

(i) Services Guarantee. Due to circumstances beyond the control of WSECU, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. WSECU will bear responsibility for any late payment and related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Bill Payment Schedulling" in this Agreement.

(ii) Prohibited Payments. Payments to Billers outside of the United States or its territories are prohibited.

(iii) Exception Payments. Tax payments and court ordered payments may be scheduled, however such payments are discouraged and must be scheduled at your own risk. In no event shall we be liable for any claims or damages resulting from your scheduling of these types of payments. We have no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any mis-applied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Credit Union.

(iv) Biller Limitation. We reserve the right to refuse to pay any Biller to whom you may direct a payment. We will notify you promptly if we decide to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.

(v) Returned Payments. You understand that Billers and/or the United States Postal Service may return payments to us for various reasons such as, but not limited to, Biller's forwarding address expired, Biller account number is not valid, Biller is unable to locate account, or Biller account is paid in full. We will use our best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account.

(vi) Information Authorization. Your enrollment may not be fulfilled if we cannot verify your identify or other necessary information. Through your enrollment you agree that we reserve the right to request a review of your credit rating at our own expense through an authorized bureau. In addition, you agree that we reserve the right to obtain financial information regarding your account from a Biller (for example, to resolve payment posting problems or for verification).

5.      Bill Delivery and Presentment. Upon approval, you agree to the following terms and conditions for the presentment of electronic bills.

(i) Information provided to the Biller - We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally it is your responsibility to maintain all user names and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. It is your sole responsibility to contact your Biller directly if you do not receive your statements.

(ii) Activation - Upon activation of the electronic bill feature we may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

(iii) Authorizatiion to Obtain Bill Data. Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.

      (iv) Notification - We will use our best efforts to present all of your electronic bills promptly. In addition to notification, we may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon and check on the delivery of the new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.

(v) Cancellation of electronic bill notification - You understand an electronic Biller has the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. We will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in progress at the time of cancellation.

(vi) Non-Delivery of electronic bill(s) - You are solely responsible should the Biller fail to deliver your statement(s). You are solely responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

(vii) Accuracy and dispute of electronic bill - We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.

3. Security of Security Code.

a. Initial Access.  After you have successfully completed and submitted the Online Banking registration form, you will be provided with instruction for logging on.  To log on to our Online Banking Service for the initial sign on, you must use the access code provided in the log on instructions. After you have successfully accessed the Online Banking Service, it is recommended that you utilize the “Change Access Code” feature within the service to specify a new personal access code for future access to the system.  After your initial sign-on, you may change your password at any time by selecting the appropriate function from the User Options menu within the Online Banking Service.  Our enhanced security process will assign a picture and you will be required to choose a secret word.  This will appear every time you sign on to Online Banking.  You will be asked to chose an option for a challenge, either create three (3) challenge questions, receive a text message on your mobile phone or reply to an e-mail link. You will also be asked to register the no-public computer(s) that you routinely use to access Online Banking .  Registering your computer forms a digital finger print, allowing the system to recognize your computer(s) each time you login.  If any attempts to access your account are received from an unfamiliar computer or there are significant changes in your computer or internet access (i.e. change of browser, etc.)  a challenge will be used from the options that you chosen.

b. Security.  The personal identification number, access code and answers to your challenge questions that you select are for your security purposes.  The access code and answers to your questions are confidential and should not be disclosed to third parties or recorded.  You are responsible for the safekeeping of these items you agree not to disclose or other wise make your access code or challenge questions answers available to anyone not authorized by you to sign on your accounts.  If you authorize anyone to have or use your access code, you understand that person may use the Online Banking service to review all of your account information and make account transactions.  Therefore, we are entitled to act on transaction instructions received using your access code authenticated by your secret picture and secret word and you agree that the use of your access code will have the same effect as your signature authorizing transactions.

c. Authorization. If you authorize anyone to use your access code in any manner, that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your access code immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your access code is changed. If you fail to maintain or change the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately.

4. Member Liability. You are responsible for all transfers you authorize using the Online Banking services under this Agreement. If you permit other persons to use your security code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your security code and accessed your accounts without your authority. Telephoning us is the best way of keeping your possible losses down. For Online Banking transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or security code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. Your liability for unauthorized loan transactions through the Online Banking service is $50.

Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods.

If you believe your security code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

Call Center - 800.562.0999 during the following hours: 7:00 am to 7:00 pm Monday through Friday. 9:30 am to 2:00 pm Saturdays

or write:

Washington State Employees Credit Union
P.O. Box WSECU
Olympia, WA 98507

5. Business Days. Our business days are Monday through Friday. Holidays are not included.

6. Fees and Charges. There are certain charges for electronic fund transfer services as set forth below. From time to time, the charges may be changed. We will notify you of any changes as required by law.

a. The Online Banking service is free to all members.

b. BillPay Fee. There is no monthly fee on the BillPay Online Service.  For additional fees, refer to WSECU's current savings rate and fee schedule.

7. Right to Receive Statements. Transfers and withdrawals transacted through Online Banking will be recorded on your periodic statement. You will receive a statement monthly.

8. Account Information Disclosure. We will maintain the confidentiality and privacy of your account information in accordance with our privacy policy as stated on our website at: www.wsecu.org. However, we may disclose information to third parties about your account or the transfers you make:

a. As necessary to complete transfers;

b. To verify the existence of sufficient funds to cover specific transactions upon the authorized request of a third party merchant;

c. To comply with government agency or court orders;

d. If you give us your express permission.

9. Limitation of Liability for Failure for Online Banking Services. 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. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any loss, property damage or loss, whether caused by the equipment, software, Credit Union, or by Online browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Online Banking services or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Online Banking Services and may have referred to such communication as "secured," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following:

a. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit, if applicable.

b. If you used the wrong security code or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and bill payment transactions

c. If your computer fails or malfunctions or the Online Banking services was not properly working and such problem should have been apparent when you attempted such transaction.

d. If circumstances beyond your control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction.

e. If the funds in your account are subject to an administrative hold, legal process or other claim.

f. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer.

g. If, through no fault of ours, a bill payment or funds transfer transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you.

h. If the error was caused by a system beyond the Credit Union's control such as a telecommunications system or Internet service provider.

i. If there are other exceptions as established by the Credit Union.

10. Termination of Online Banking Services. You agree that we may terminate this Agreement and your electronic fund transfer services, if you, or any authorized user of your Online Banking or BillPay Online services or security code breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your Accounts or security code.

You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

11. Notices. The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will mail notice to you at least twenty-one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

12. Billing Errors. In case of errors or questions about your Online Banking transactions, telephone us at the phone numbers or write us at the address set forth in Section 4, as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.

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

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 after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 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 re-credit your account.

If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members' rights to privacy) relied upon to conclude that the error did not occur.

13. Enforcement. You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the state of Washington as applied to contracts entered into solely between residents of, and to be performed entirely in, such state. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Washington law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement.

Washington State Employees Credit Union
Account Alerts Service Addendum

This is an Addendum to the Electronic Funds Transfer Agreement and the Online Banking Terms and Conditions and sets forth the additional terms and conditions for use of the Account Alerts Service (“E-Alerts”) offered through Washington State Employees Credit Union (WSECU). By enrolling or using the Account Alerts Service, you agree to the terms and conditions of this Account Alerts Service Addendum.    

1.                  Account Alerts Service 

• A.                  Service. Account Alerts Service (“E-Alerts”) is a personal financial information alert service that allows you to receive information about your account including information related to: Account balance changes, checks cleared, debit/check card purchases, electronic deposits, withdrawal notifications, and customer messages. The Account Alerts Service is an additional service available through Online Banking and is governed by the Online Banking  and BillPay Online Agreement and Disclosure. When you access Online Banking, you can enroll in the Account Alerts Service by clicking on the link titled “Account Alerts”.  You are provided enrollment language and must click on the “I agree” box to initiate service.  You may set up alerts at any time once you have completed the enrollment process.  You agree and understand that the Account Alerts Service may not be accessible or may have limited utility over some internet or mobile telephone networks, such as while roaming.  The alerts that you authorize are only available through the Online Banking service.  When you register for Account Alerts Service, the designated alerts are linked only to the account under which they were registered through Online Banking . Balances shown on Account Alerts may not reflect actual available balance. 
  
• B.                 Limitations on Services. You are fully responsible for understanding how to use the Account Alerts service before you actually do so, and you agree that the use of the Account Alerts Service is for information only.  You are also responsible for your use of your Internet Service Account and/or Wireless Device provided during the enrollment process for alert delivery.  Although the Account Alerts Service is designed to give you timely notice of specific events, it may not always provide immediate notice.  You may encounter errors, interruptions, delays or failures in the receipt of your Account Alerts, which may or may not be out of the control of WSECU. Such as technical difficulties suffered by your Internet Service Provider or wireless communications carrier.  Furthermore, some cell phones or certain other devices may omit a portion of the Alert.

Your use of WSECU’s Account Alerts Service is at your own risk.  WSECU will provide alerts and messages to you in the manner you specified on an “as is” basis without any warranties of any kind.  Under no circumstances shall WSECU be liable for any type of damages including fees resulting in any way from your use of or reliance upon WSECU’s Account Alerts Service or the contents of specific alerts. We will not be liable to you for any losses caused by your failure to properly use or respond to alerts that are sent. We assume no responsibility for the timeliness, accuracy, reliability, deletion, miss-delivery or completeness of any alerts we may send you. You agree that we will not be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly.

• C.                 Security.  If you use the Account Alerts Service, you will receive alerts sent to the source in which you specified during your enrollment process.  Please be aware that information transmitted via internet email and text messages via wireless networks may not be secure and WSECU cannot guarantee the security of any information transmitted over a wireless device or to an internet email address.
• D.                 Service Charges. WSECU will not charge you to use the Account Alerts Service via email or text messaging. However, you agree to pay related account transaction fees and charges in accordance with our current fee schedule and as amended from time to time.  In the future, we may add to or enhance the features of the Account Alerts Service and by using such added or enhanced features, you agree to pay any applicable fees.
• E.                 Relationship to Other Agreements. You agree that when you use the Account Alerts Service, you will remain subject to the terms and conditions of all your existing agreements with us or any service providers of yours, including service carrier or telephone provider. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Account Alerts. For example, your mobile service carrier or provider may impose data usage or text message charges for your use of Account Alerts, receiving or sending Account Alert text messages, or other use of your Wireless Device when using the Account Alerts Service.
• F.                  Changes or Cancellation.You may cancel your participation in Account Alerts at any time by deleting any scheduled alerts set up through Online Banking.  If you need assistance in cancelling any alerts you may call us at 800.562.0999. We reserve the right to change or cancel the Account Alerts Service at any time without notice. 

ONLINE BANKING AND BILLPAY ONLINE AGREEMENT & DISCLOSURES
© Washington State Employees Credit Union/Farleigh, Wada & Witt, P.C.