TABLE OF CONTENTS


ACCOUNT AGREEMENT 1

Introduction
ALL ACCOUNTS
TYPES OF ACCOUNTS
Share Savings
Share Draft Account
MoneyManagement Account
Holiday Account
Joint Account
IRA Silver Share Certificate Accounts

HEWFCU PRODUCTS AND SERVICES AGREEMENTS

ATM Card Agreement
VISA Check Card/Point of Sale Card(POS) Agreement
PAL(Personal Access Line) and Internet Homebranch Agreement


RELATED SERVICES AND SPECIAL SITUATIONS

Direct Deposit
Automatic Transfer Service
Canceled Share Drafts
Account Closing
Credit Union Family Service Centers
Dormant Accounts
Abandoned Property
Electronic Funds Transfer Disclosure
Liability Disclosure

FEDERAL REGULATION Z

Your Billing Rights
Questions About Your Statement
Special Rule for Credit Card Purchases
Change of Address


FEDERAL REGULATION CC  13

Your Ability To Withdraw Funds At HEWFCU
Deposits Through The Night Deposit Slot
Deposits Through A HEWFCU Automated Teller (ATM) Machine
Longer Delays May Apply
Next Day Availability
Other Check Deposits
Illustration A
Availability


ãCopyright 2000 HEW Federal Credit Union
Information in this publication is effective January 2000.  HEWFCU reserves the right to change the terms and conditions on any account.