full disclosure

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electronic funds transfer disclosure

VALIDATION OF ACCESS DEVICE
You may use your debit MasterCard, ATM card, or the Audio Response System (VAL) to transfer money into or out of your account only after validation. Your ATM card and VAL are considered validated when you receive your Personal Identification Number (PIN), or upon initial access and change of the default VAL access code. Your ATM PIN is either selected by you at issuance or it will be mailed directly to you at the current address on your account record. Your debit MasterCard will be validated either upon your telephonic activation using the phone number provided to you upon receipt of the card(s) or upon issuance in a SunWest branch. If you do not wish to use your ATM card, VAL or debit MasterCard, please contact our Member Information Center.

MEMBER'S LIABILITY FOR UNAUTHORIZED TRANSFERS
Tell us immediately if you believe your ATM card, debit MasterCard, PIN or Access code(s) have been lost, stolen or someone has transferred or may transfer money from your account without your permission. Telephoning is the best way of keeping your losses to a minimum.

For transactions performed with your ATM card, if you notify us within two (2) business days after you learn of the loss, theft or unauthorized use, you can lose no more than $50.00 if someone used your card or code without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft, (and we can prove if by doing so, we could have stopped someone from using your card without your permission) you could lose as much as $500.00. Failure to notify us may result in your
loss of all the money in your account.

For transactions performed with your debit MasterCard, if you notify us of the loss, theft or unauthorized use of your card within two (2) business days from the time it was discovered, your liability will be $0.00. If you report the loss, theft or unauthorized use after the two (2) day period, your maximum liability will be $50.00. ATM network transactions are not affected by this policy and liability limits permitted by Regulation E apply.

If you lose any SunWest transaction cards, you must notify the Credit Union immediately. If the card is stolen, in addition to notifying SunWest, you must report the theft to the Police Department. The following notification procedure must be followed:

1. During Credit Union business hours, notify the Member Information Center at 602-866-1100 or 1-866-897-9378.
2. For debit MasterCard holders, after business hours, on weekends or holidays, contact MasterCard Security at 1(800)528-2273.
3. Write us at: 11839 N. 28th Drive, Phoenix, AZ 85029.

TYPES OF AND LIMITS ON AVAILABLE TRANSFERS
Your transaction card and PIN may be used to make withdrawals and transfers to or from your regular savings, checking or line-of-credit at ATM’s. A fee may be imposed by another financial institution or a national, regional or local ATM network when you use your SunWest card to withdraw funds from a non-SunWest ATM. Deposits may be made at ATM’s owned by SunWest or at select ATM’s displaying the STAR Deposits decal. Line-of-credit loan access may differ from that listed above depending on the machine. You may use your card to withdraw cash up to the daily dollar limit periodically established by us. We will advise you of changes in that dollar limit. The daily dollar limitations are based on midnight to midnight time periods (Monday transaction totals are included in the preceding Sunday’s dollar limitations). We also reserve the right to keep (capture and retain) your card and refuse to make transfers at anytime.

You may pay for purchases at places that have agreed to accept your debit MasterCard. The transaction will be posted against your checking account with overdraft protection available as designated by you.

You may pre-authorize electronic funds transfers to make deposits to or withdrawals from your account.

You may authorize a merchant or other payee to make a one-time electronic payment from your SunWest Checking account using information from your check to pay for purchases or pay bills.

Twenty-four (24) hours a day, seven (7) days a week, your VAL Access Code may be used to telephonically withdraw funds by check (payable to the first signer on the account), transfer funds within your account, inquire on your balances or activity on your savings, checking, loan or share certificate accounts.Please refer to our schedule of charges for any fees that may apply to an electronic funds transfer.You may use your debit MasterCard, ATM Card, or VAL to:

1. Withdraw funds from your checking or savings account.
2. Make deposits to your checking or savings account.
3. Transfer funds between your checking and savings account or line of credit loan.
4. Pay for purchases at places that have agreed to accept the card.
5. Make loan payments by transferring funds from your checking or savings accounts.

LIMITATIONS ON FREQUENCY OF TRANSFERS
Pre-authorized transfers from any savings account via electronic, telephone or overdraft protection are limited to six (6) times per month.

The following transactions are limited per dollar amount per day:

• ATM withdrawals are limited to $500.00 per day.
• PIN-based transactions are limited to $2,000.00 per day.
• Signature-based transactions are limited to the funds available in your account.  

Lower limits may occur during off-line occurrences. From time to time circumstances may necessitate the temporary reduction in daily limits on international transactions from a specified region due to increases in fraudulent activity originating from that region. The right to restrict such transactions is within our sole discretion and those regions affected may change at any time.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make:

1. Where it is necessary for completing transfers
2. In order to verify the existence and condition of your account for a third party, such as credit bureau or merchant.
3. In order to comply with government agencies or court orders
4. If you give us your written permission

RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS
If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you may contact us by telephone to verify whether the deposit has been made. You will receive a monthly account statement covering your checking account and/or any account containing electronic funds transfer transactions. If no electronic funds transfers occur, you will receive a statement no less than quarterly. You will get a receipt at the time you make any transfer from your account via ATM’s, Point of Sale (POS) or debit MasterCard (except telephone transactions).

RIGHT TO STOP PAYMENT OF PRE-AUTHORIZED TRANSFERS, PROCEDURES FOR DOING SO AND FINANCIAL INSTITUTION'S LIABILITY FOR FAILURE TO STOP PAYMENT
If you have authorized a company to periodically debit your account, you may place a stop payment on the item by notifying us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer and you agree to pay the applicable fee which may be in effect at that time. If you do notify us orally, you must send written confirmation of the order within fourteen (14) days of the oral notification. If you do not send written confirmation, the stop payment order will cease to be binding fourteen (14) days after it has been made. If you order us to stop a pre-authorized debit three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages as provided by federal law.

If you intend to cancel the item, you may revoke all future debits for the applicable company and you agree to notify the debiting company of your intent to cancel the pre-authorized debits. You must sign a Notice of cancellation and you may be required to
provide SunWest a copy of the notification that you provide to the debiting company.

If these regular debits vary in amount, the debiting company should tell you ten (10) days in advance of the change amount, so you may notify SunWest to stop payment on the revised amount.

You cannot stop payment on transactions made with your SunWest debit MasterCard or ATM card. SunWest will not be liable to you for failure to stop any payment unless such payment occurs through our failure to execute the stop payment order in good faith and through reasonable exercise of due care.

FINANCIAL INSTITUTION'S LIABILITY FOR FAILURE TO MAKE TRANSFERS
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 as provided by federal law. However, there are some exceptions. We will not be liable, for
instance:

1. If through no fault of ours, you do not have enough available money in your account to make the transfer.
2. If the ATM terminal where you are making the transfer does not have enough cash.
3. If the ATM terminal, our data processing system or VAL was not working properly and you knew about the breakdown when
you started the transfer.
4. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.
5. If the funds in your account are subject to a court order or other restrictions preventing the transfer.
6. There may be other exceptions stated in our agreement with you.

ELECTRONIC "WHOLESALE CREDIT" TRANSACTIONS SUBJECT TO UNIFORM COMMERCIAL CODE ARTICLE 4A
Credit given by us to you with respect to an Automated Clearing House (ACH) 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 the amount of such entry.

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

SUNWEST BUSINESS DAYS
For purposes of these disclosures, our business days are Monday through Friday not including holidays.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Call or write us as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after the statement on which the problem first appeared was mailed to you (or made available electronically).

1. Tell us your name and member number.
2. Provide a description of the error or the transfer you are unsure about and explain why you believe it is in error or why you need further information to determine whether an error exists.
3. 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 any error promptly. However, we may take up to forty five (45) days (ninety (90) calendar days for foreign initiated transfers and all transfers resulting from Point of Sale (POS) debit card transactions, or a transaction occurring within the first thirty (30) days after the first deposit to a new account) to investigate your complaint or question. 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 (twenty (20) business days for a transaction occurring within the first thirty (30) days after the first deposit to a new account), so that you will have 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 in ten (10) business days, we may
not re-credit your account.

We will tell you the results, either in writing or verbally, within three (3) business days after completing our investigation. If we decide there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents used in our investigation.

FOR ADDITIONAL INFORMATION
This electronic funds transfer policy is effective as of February 1, 2013 and supersedes all previous Electronic Funds Transfer policies issued by SunWest Federal Credit Union. This policy is subject to change. Notification of such changes will be published as required by applicable rules and regulations. If you have questions regarding this policy, contact SunWest at 602-866-1100 or 1-866-897-9378.

e-sign act consumer disclosure

Consumer Disclosure Regarding Conducting Business Electronically, Receiving Electronic Notices and Disclosures, and Signing Documents electronically
Please read the following information. This disclosure provides information required by the Electronic Signatures in Global and National Commerce Act (E-SIGN Act). By proceeding forward and signing this document you are agreeing that you have reviewed the following consumer disclosure information and that you affirmatively consent to transact business using electronic communications, to receive notices and disclosures electronically, and to utilize electronic signatures in lieu of using paper documents. This electronic signature service is provided on behalf of clients, SunWest Federal Credit Union, whom are sending electronic documents, notices, disclosures or requesting electronic signatures to you.

You are not required to receive notices and disclosures or sign documents electronically. If you prefer not to do so, you may request to receive paper copies and withdraw your consent at any time as described below.

Paper Copies
You are not required to receive notices or disclosures or sign documents electronically and may request paper copies of documents or disclosures if you prefer to do so. You also have the ability to download and print any open or signed documents sent to you through the electronic signature service using the PDF and Print icons. Adobe may also email you a PDF copy of all agreements you sign using the electronic signature service. If you wish to receive paper copies in lieu of electronic documents you may request paper copies from SunWest Federal Credit Union by following the procedures outlined below. SunWest Federal Credit Union may apply a fee for providing paper copies.

Withdrawal of Consent

You may withdraw your consent to receive electronic documents, notices or disclosures at any time. In order to withdraw consent you must notify SunWest Federal Credit Union that you wish to withdraw consent and to provide your future documents, notices, and disclosures in paper format. After withdrawing consent, if at any point in the future you proceed forward and utilize the electronic signature system you are once again consenting to receive notices, disclosures, or documents electronically. You may withdraw consent to receive electronic notices and disclosures and optionally electronic signatures by following the procedures described below.

Hardware and Software Requirements
In order to access and retain electronic documents and information, you must have access to a computer or internet enabled device with an updated standards-compliant internet browser that supports 128-bit encryption such as the latest versions of Internet Explorer, Microsoft Edge, Safari, Chrome, or Firefox; Adobe AcrobatReader (available at http://www.adobe.com), and sufficient computer memory to view and store electronic documents and information. You must also have access to a printer should you wish to print electronic documents and information for your records.

You acknowledge that we do not make any warranties on equipment, recommended software, or hardware, and that we shall notify you of hardware and software requirement changes only if such changes create a material risk that you will not be able to access the documents which are subject to the consent. Should such changes occur, you have the right to withdraw consent without the imposition of any fees from SunWest Federal Credit Union.

You agree that your electronic consent and signature to this document reasonably demonstrates to us that you can electronically access and sign the type of information which is the subject of the consent.

Scope of Consent
You agree to receive electronic notices, disclosures, and electronic signature documents with all related and identified documents and disclosures provided over the course of your relationship with SunWest Federal CreditUnion. You acknowledge that your consent does not apply to any particular transaction, but to broad categories of electronic documents such as those described in this disclosure, including communications and notices, disclosures, and electronic signature documents which may be made available during the course of your relationship with SunWest Federal Credit Union. You may at any point withdraw your consent by following the procedures described below.

Requesting paper copies, withdrawing consent, and updating contact information
You have the ability to download and print any documents we send to you through the electronic signature system. To request paper copies of documents, withdraw consent to conduct business electronically and receive documents, notices, or disclosures electronically or sign documents electronically please contact SunWest FederalCredit Union by telephone, postal mail, or by sending an email to SunWest Federal Credit Union with the following subjects:

• “Requesting Paper Copies”
Please provide your name, email, telephone number, postal address and document title.
• “Withdraw Consent”
Please provide your name, email, date, telephone number, postal address.
• “Update Contact Information”
Please provide your name, email, telephone number and postal address.

funds availability disclosure

This disclosure describes your ability to withdraw funds at SunWest Federal Credit Union. It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those described in this policy. Please ask us if you have a question about which accounts are affected by this policy.

FUNDS AVAILABILITY POLICY


Our policy is to make funds from your deposits, other than SunWest owned Automated Teller Machine deposits, and deposits accepted through the CU Service Center® network, available to you on the first day after the day we receive your deposit (longer delays may apply). Electronic deposits will be available in their entirety on the same day we post the deposit to your account. Once the funds are available, you can withdraw the funds and we will use the funds to pay the checks that you have written.

Please remember that even after we have made the funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid or for which claims are asserted after final settlement for the particular item has occurred. In no event does this policy affect our right to accept or return an item for deposit or to require written notice on an intended withdrawal.

The expiration of the hold periods and subsequent availability of the deposited funds in your SunWest account does not necessarily mean the deposited item has cleared the account against which it was drawn. To confirm this, you may contact the paying financial institution. If any item you deposit or cash with us is returned unpaid by the paying financial institution, we may debit from your account both the amount of the item and the applicable fee as listed in the current Fee Schedule.

For determining the availability of your deposits, every day is a business day except Saturdays, Sundays and federal holidays. If you make a deposit on a business day, before our close of business on that day, we will consider that day to be the day of your deposit. However, if you make a deposit after our close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

funds available on the same business day of deposit

• Cash
• Checks drawn on SunWest Federal Credit Union
• First endorsed items such as cashier’s checks, certified checks, teller’s checks, treasurer’s checks, items directly affiliated with sponsor companies such as payroll checks, investor services checks and relocation checks, Federal, State and Local Government checks, Insurance checks payable to SunWest Federal Credit Union and member(with paid work order), US Postal Service money orders and Traveler’s checks
• Electronic funds transfers such as ACH deposits and direct deposits
• Wire transfers

funds available on the next business day

ATM Deposits:
All deposits (whether cash or check) made at an ATM (SunWest owned or otherwise) on a business day during normal business hours will be subject to a two business day hold, to allow for the verification of the contents of your deposit envelope. ATM deposits made on a non-business day or after our close of business will be treated as if the deposit was made on the following business day. For example, a deposit made on Saturday will be considered deposited on the next business day (Monday) and will be available for withdrawal Wednesday.

Shared Branching Deposits:
The funds you deposit at CU Service Center® locations may not be available for immediate withdrawal from your credit union account.

Case-by-Case:
In some cases, we will not make all of the funds that you deposited by check available to you on the first business day after the day of your deposit. Depending on the type of check you deposit, funds may not be available until either the second(2nd) or seventh (7th) business day after the day of your deposit. In most cases, the first $200.00 from a deposit of local checks will be available on the next business day following the date of deposit. The remaining funds will be available on the second (2nd) business day after the day of deposit.If we will not be making all of the funds from your deposit available on the next business day, we will notify you at the time you make your deposit, if made in person or by US Postal Service by the day after we receive your deposit.

funds available beyond the second business day

Safeguard Exceptions
Funds from your deposit by check may be delayed for a longer period under certain circumstances such as:

• We believe a check you deposited will not be paid.
• You deposit checks totaling more than $5,000.00 on any one day.
• You deposit a check that has been previously returned unpaid.
• You have overdrawn your account repeatedly in the past six months.
• The item is drawn on a financial institution located outside of the United States of America.

We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. Funds will generally be available no later than the seventh (7th) business day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Substitute Checks
The Check Clearing for the 21st Century Act (Check 21) enables financial institutions to send checks to each other electronically and enables SunWest to receive a paper copy of the electronic check, called a substitute check. Substitute checks are the legal equivalent of a paper check for all purposes. SunWest is not required to create substitute checks, but must accept them. The substitute check will state “This is a legal copy of your check. You can use it in the same way you would use the original check.” Additional information can be found in the “Check 21” brochure available at any SunWest branch.

Accounts Opened within the past Thirty (30) Days
During the first 30 days from the opening of an account, funds from electronic direct deposits will be available on the day we receive the deposit. Funds from the deposit of cash, wire transfers and the first $5,000.00 of a business day’s total deposits of cashier’s checks, certified checks, teller’s checks, traveler’s checks, federal government, state government, local government checks, US Postal Service money orders and Traveler’s checks will be available on the first business day after the day of your deposit. The excess over $5,000.00 will be available on the tenth (10th) business day after the day of your deposit. If your deposit of these checks is not made in person at a SunWest branch, the first $5,000.00 will not be available until the second (2nd) day after the day of your deposit. Funds from all other check deposits will be available on the tenth(10th) business day after the day of your deposit.

additional exceptions

Force Majeure
Any delay beyond the time limits listed in this document shall be excused if caused by interruption of communication facilities, suspension of payment by a financial institution, emergency conditions or other circumstances beyond our control.

for additional information

This funds availability policy is effective as of February 1, 2013 and supersedes all previous funds availability policies issued by SunWest Federal Credit Union. This policy is subject to change. Notification of such changes will be published as required by applicable rules and regulations. If you have questions regarding this policy, contact SunWest at 602-866-1100 or 1-866-897-9378.

sunwest home equity loan disclosure of important terms, conditions + information

This disclosure document contains important information about the terms of our home equity credit line, which we call a "Home Equity Loan." Please read this disclosure document carefully and keep a copy for your records.

AVAILABILITY OF TERMS
For all Home Equity Loans, the minimum credit limit is $5,000. All of the terms described herein are subject to change prior to the opening of your credit line account If these terms change (other than changes in the annual percentage rate), and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any feels that you have paid in connection with your application.

SECURITY INTEREST AND RISK TO YOUR HOME
We will take a deed of trust in your home to secure your obligations under your Home Equity Loan Agreement. You could lose your home if you fail to meet these obligations.

POSSIBLE ACTIONS
Under certain circumstances, we can: (1) terminate your line of credit, require you pay us the entire outstanding balance in one payment, and charge you certain fees; (2) refuse to make additional extensions of credit; (3) reduce your credit limit; and (4) implement certain changes in the Agreement in accordance with the terms that are set forth in the Home Equity Loan Agreement.

If you ask, we will give you more specific information concerning when we may take these actions.

MINIMUM PAYMENT REQUIREMENTS
You can obtain advances of credit for a period of 5 years (the "draw period") unless your credit privileges are terminated or suspended earlier. During the draw period, payments will be due monthly. Your minimum monthly payment will be one and one-half percent (1.5%) of the outstanding balance on your credit line, plus any amount over your approved credit limit and any portion of the minimum payment shown on any prior statement which remains unpaid. If your annual percentage rate during the draw period reaches the maximum rate stated below, the minimum payment amount will not reduce your loan balance.

After the draw period ends (without being renewed) you will no longer be able to obtain credit advances and must pay the outstanding loan balance over 10 years (the "repayment period"). During the repayment period, payments will be due monthly. At the beginning of the repayment period, your initial minimum monthly payment will be equal to the amount that will fully amortize and payoff your entire outstanding balance over 10 years and will be based on the annual percentage rate in effect on the first day of the repayment period. Your minimum monthly payment will change whenever the annual percentage rate changes. Your ew minimum monthly payment will equal the amount that will fully amortize and payoff the then outstanding balance over the remaining portion of the repayment period, based on the new annual percentage rate. However, in no event will your minimum monthly payment be lower than $20.00 (or your entire balance if it is less than $20.00).

MINIMUM PAYMENT EXAMPLE
If you made only minimum monthly payments and took no other credit advances, it would take 15 years to pay off a credit advance of $10,000.00 at an ANNUAL PERCENTAGE RATE of 4.50%. During that period you would make 50 monthly payments varying between $150.00 and $76.95 during the draw period, followed by 120 monthly payments of approximately $52.57 during the repayment period.

FEES AND CHARGES
You will be required to pay certain fees to third parties to open a line of credit, including, but not limited to, fees for preliminary title reports, title insurance policies, flood determination, recording fees, and appraisal fees. If you ask, we will give you an itemization of these fees. We may waive these fees under certain circumstances. However, if we do so and you then cancel your account within two years after opening in the account, you will be required to reimburse us for all or a portion of these fees.

You also must carry insurance on the property that secures your Home Equity Loan.

BALANCE REQUIREMENTS
You are not required to maintain a minimum outstanding balance.

TAX DEDUCTIBILITY
You should consult a tax advisor regarding the deductibility of interest and charges for your Home Equity Loan.

VARIABLE-RATE INFORMATION
Your Home Equity Loan has a variable rate feature. The annual percentage rate (corresponding to the periodic rate) and the minimum payment can change as a result.

The annual percentage rate includes only interest and not other costs.

The annual percentage rate is based on the value of an index. The index is the "Prime Rate" published in the Money Rates table of the Wall Street Journal. To determine the annual percentage rate that will apply to your line, we do not add a margin to the value of the index.

Ask us for the current index value and annual percentage rate. After you open a credit line, rate information will be provided on periodic statements that we will send you.

RATE CHANGES
The annual percentage rate can change every six months. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00%. The minimum ANNUAL PERCENTAGE RATE that can apply is 4.50%. In addition, the ANNUAL PERCENTAGE RATE cannot increase or decrease more than one percentage point in any six-month period.

MAXIMUM RATE AND PAYMENT EXAMPLES
If you had an outstanding balance of $10,000.00 at the beginning of the draw period, the minimum monthly payment at the maximum ANNUAL PERCENTAGE RATE of 18.00% would be $150.00. Because the annual percentage rate cannot increase more than one percentage point in any six-month period, if your initial rate was 6.00% at the beginning of the draw period, this maximum annual percentage rate could be reached 6 years after the beginning of the draw period.

HISTORICAL EXAMPLE
The following table shows how the annual percentage rate and the minimum monthly payment for a single $10,000 credit advance would have changed based on changes in the index over the past 15 years. The index values are from the first business day of January each year. While only one payment amount per year is shown, payments would have varied during each year. The table assumes no additional credit advances were taken and that only the minimum payments were made each month. It does not necessarily indicate how the index or your payments will change in the future.

year

index (%)

margin (%)*

annual percentage rate

minimum monthly payment ($)

Draw Period

2003

4.25%

0

5.50**

$150.00

2004

4.00%

0

4.50

$132.29

2005

5.25%

0

5.25****

$116.67

2006

7.25%

0

7.25

$102.89

2007

8.25%

0

8.25

$90.74

Repayment Period***

2008

7.25%

0

7.25

$62.65

2009

3.25%

0

5.25

$57.71

2010

3.25%

0

4.50****

$56.10

2011

3.25%

0

4.50****

$56.10

2012

3.25%

0

4.50****

$56.10

2013

3.25%

0

4.50****

$56.10

2014

3.25%

0

4.50****

$56.10

2015

3.50%

0

4.50****

$56.10

2016

3.75%

0

4.50****

$56.10

2017

4.50%

0

4.50****

$56.10

*This is a margin we recently used.
**This rate reflects the two(2) percentage point per year (one(1) point per six(6) months) limit on rate changes.
***This assumes that the draw period was not renewed after five(5) years.
****This rate reflects the 4.50% minimum annual percentage rate.

DISCLOSURE OF RIGHT TO RECEIVE A COPY OF APPRAISALS
We may order an appraisal to determine the property's value and charge you for this appraisal. We will promptly provide you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.

HOME OWNERSHIP COUNSELING INFORMATION
In addition to the provided list of agencies you may also visit http://www.consumerfinance.gov/find-ahousing-counselor or call 1-855-411-2372 for Home Ownership Counseling agencies near you.

sunwest privacy policy

WHAT DOES SUNWEST FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and checking account information
• Account balances and payment history
• Credit history and overdraft history

All financial companies need to share members’ personal information to run their everyday business.In the section below, we list the reasons financial companies can share their members’ personal information; the reasons SunWest Federal Credit Union chooses to share; and whether you can limit this sharing.

reasons we can share your information

do we share your information?

can you limit this sharing?

For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

yes

no

For our marketing purposes- to offer our products and services to you

yes

no

For joint marketing with other financial companies

yes

yes

For our affiliates’ everyday business purposes information about your transactions and experiences

no

n/a

For our affiliates’ everyday business purposes information about your creditworthiness

no

n/a

For non-affiliates to market to you

yes

yes

LIMIT OUR SHARING OR ASK QUESTIONS:
Call (602) 866-1100 or toll-free (866) 897-9378. Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.

HOW DOES SUNWEST FEDERAL CREDIT UNION PROTECT MY PERSONAL INFORMATION?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

HOW DOES SUNWEST FEDERAL CREDIT UNION COLLECT MY PERSONAL INFORMATION?
We collect your personal information, for example, when you
• open an account
• apply for a loan
• use your credit or debit card
• pay your bills
• provide account information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

WHY CAN'T I LIMIT ALL SHARING?
Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you
• sharing for non-affiliates to market to you

WHAT HAPPENS WHEN I LIMIT SHARING FOR AN ACCOUNT I HOLD JOINTLY WITH SOMEONE ELSE?
Your choices will apply to everyone on your account.

DEFINITIONS:
Affiliates = Companies related by common ownership or control. They can be financial and non-financial companies.
• SunWest Federal Credit Union has no affiliates.

Non-affiliates = Companies not related by common ownership or control. They n be financial and non-financial companies.
• Non-affiliates we share with can include companies such as insurance service providers and direct marketing companies.

Joint Marketing = A formal agreement between non-affiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include financial service providers such as Credit Union National Association.

sunwest secure credit card cardholder agreement + disclosure statement

This Agreement and Disclosure Statement applies to your SunWest Federal Credit Union Secured MasterCard card(s), and is applicable only upon acceptance and approval of your credit application. In this Agreement the words "you" and "your" mean the person or persons who have been issued the enclosed MasterCard or Cards (the "Card") and the words "we", "us" and "our" mean SunWest Federal Credit Union.You understand that by using any MasterCard issued to you, or by authorizing anyone else to use it, you are agreeing to all of the terms of this Agreement and you will be responsible for repayment of all credit extended by us to you or any authorized user.You promise to pay for all credit extended on MasterCard, as well as for any interest charges earned by us and any other sums which might become due under this Agreement.
IMPORTANT NOTICE REGARDING SECURITY INTEREST:
You hereby pledge and grant us a security interest in all funds now or hereafter in any and all checking, savings and/or share accounts you have with us at any time this Agreement is in effect or any amounts are owing hereunder to secure payment of all credit extended to you under this Agreement.

1. Types of Credit Available. There are two types of credit available with MasterCard. You can use MasterCard to charge purchases of goods and services at many types of businesses throughout the world and you can also use it to obtain cash advances from participating financial institutions and automated teller machines worldwide.

2. Lost Card Notification. If you believe the Card has been lost or stolen you will immediately call us at 1-800-528-2273

3. Credit Line.If we approve your application, we will establish a line of credit for you and notify you of your credit limit when we issue the Card. You agree not to let the account balance exceed this approved credit limit. Each payment you make on the account will restore your credit line by the amount of the payment which is applied to principal. You may request an increase in your credit limit only by written application to us, which must be approved by our credit committee or loan officer before it becomes effective. By giving you written notice we may reduce your credit limit from time to time, or with good cause, revoke your Card privileges and terminate this Agreement. Good cause includes your failure to comply with this Agreement, or our adverse reevaluation of your credit-worthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. The Cards remain our property and you must recover and surrender to us all Cards upon our request and upon termination of this Agreement.

4. Credit Information.You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing.

5. Monthly Payment. We will provide you a statement every month showing your prior account balance, the current transactions on your account, the remaining credit available under your credit line, the total New Balance, the interest charge due to date, and the minimum payment which must be made by the payment due date, which also will be shown on your statement. Your minimum payment will be either (a) three percent of your total New Balance or $20.00, whichever is greater, plus any amount over your approved credit limit and any portion of the minimum payment shown on any prior statement which remains unpaid, or (b) your total New Balance if it is less than $20.00. In addition, at any time your account balance exceeds your credit limit, you must immediately pay the excess upon our demand. Your payment due date will be 25 days after your statement closing date, which is the last day of the month. You promise to pay the minimum payment amount on or before the payment due date shown on your statement each month. You may, of course, pay more frequently, pay more than the minimum payment, or pay the total New Balance in full, and you will reduce the interest charges you pay by doing so.

6. INTEREST CHARGESYou can avoid an interest charge on the purchase portion of your account by paying the entire New Balance shown on your monthly statement by the applicable payment due date each month. If you do not, interest charges will accrue on your purchase balance, as well as on all new purchases from the date they are posted
to your account. Interest charges always accrue on cash advances from the date they are posted to your account. There is no interest-free grace period on cash advances. INTEREST CHARGESon the secured MasterCard account will be calculated at a daily periodic rate of 0.02164% (0.02158% during a leap year), which corresponds to an Annual Percentage Rate of 7.9%, on the actual daily balances in your account. Subject to any applicable grace period for purchases, your actual daily balance is calculated each
day during a billing cycle by adding to the prior day's balance any new purchases and cash advances posted to your account that day, and subtracting any payments or credits posted to your account that day. Then, each day during the billing cycle, the actual daily balance in your account is multiplied by the daily periodic rate stated above to determine the dollar amount of your interest charge for that day. At the end of each billing cycle, your daily interest charges are added together to determine your total interest charge for
that billing cycle. In addition to the periodic interest charges described above, you also agree to pay a $2.00 cash advance fee for each cash advance obtained with the Card.

7. REINSTATING THE 25-DAY GRACE PERIOD.If you desire to reinstate the 25-day grace period on purchases, you must pay the New Balance shown on your monthly statement by the applicable payment due date. If you do so, you will not be assessed an interest charge on new purchases posted to your account so long as you continue to pay your New Balance on or before the applicable payment due date each month.

8. Default.You will be in default if you fail to make any minimum payment within 25 days after your monthly statement closing date. You will also be in default if your ability to repay us is materially reduced by an increase in your obligations, bankruptcy or insolvency proceedings involving you, or by your death or your failure to abide by this Agreement, or if you cease to be a member of SunWest Federal Credit Union. We have the right to demand immediate payment of your full account balance if you default. We will also have the right to foreclose our pledge (security interest) in any and all checking, savings and/or share accounts you have with us, up to the total amount of your debt to us under this Agreement. You agree to pay our reasonable collection expenses, including court costs and reasonable attorneys' fees.

9. Using the Card.To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the Card to a participating MasterCard plan merchant, to us or to another financial institution, and sign the sales or cash advance draft which will contain your truncated card number. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the Card in an ATM or other type of electronic terminal that provides access to the MasterCard system. The monthly statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. We may make a reasonable charge for photocopies of slips you may request.

10. Returns and Adjustments.Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending us a credit which we will post to your account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash advances, or, if it is $1.00 or more, refund it on your written request or automatically after six months.

11.Foreign Transactions.If you effect a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard International Incorporated will convert the charge into a U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government mandated rate or the wholesale rate in effect the day before the transaction processing date, increased by 1.1%. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

12. Effect of Agreement.This Agreement is the contract which applies to all transactions on your account even if the sales, cash advance, credit or other slips you sign contain different terms. We may cancel or amend this Agreement from time to time by notifying you in writing. Your use of the Card thereafter will indicate your agreement to any amendments. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing account balances as well as to future transactions.

13. Internet Gambling Transactions Prohibited.You may not use your card to initiate any type of unlawful electronic gambling transactions through the Internet.

Interest Rates and Interest Charges

SunWest MasterCard

Annual Percentage Rate (APR) forPurchases, Balance Transfers, and Cash
Advances

7.90%

How to Avoid Paying Interest on
Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer
Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov

Fees

Annual Fee

None

Transaction Fees• Cash Advance
• Foreign Transaction


$2.00
1.1% of each transaction in U.S. dollars.

Penalty Fees• Late Payment


$5.00

IMPORTANT INFORMATION REGARDING YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USEThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your statement, write to us at:SunWest Federal Credit Union, 11839 N 28th Drive, Phoenix, AZ 85029. You may also contact us at www.mysunwest.com.

In your letter, give us the following information:
• Account information: Your name and account number.        
• Dollar amount: The dollar amount of the suspected error.        
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing (or electronically). You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

While we investigate whether or not there has been an error, the following are true:        
• We cannot try to collect the amount in question, or report you as delinquent on that amount        
• The charge in question may remain on your statement and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.        
• We can apply any unpaid amount against your credit limit.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:        
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)        
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.        
3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: SunWest Federal Credit Union, 11839 N 28th Drive, Phoenix, AZ 85029 or at www.mysunwest.com. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.

sunwest rewards! credit card disclosure

This Agreement and Disclosure Statement applies to your SunWest Federal Credit Union Secured MasterCard card(s), and is applicable only upon acceptance and approval of your credit application. In this Agreement the words "you" and "your" mean the person or persons who have been issued the enclosed MasterCard or Cards (the "Card") and the words "we", "us" and "our" mean SunWest Federal Credit Union.You understand that by using any MasterCard issued to you, or by authorizing anyone else to use it, you are agreeing to all of the terms of this Agreement and you will be responsible for repayment of all credit extended by us to you or any authorized user.You promise to pay for all credit extended on MasterCard, as well as for any interest charges earned by us and any other sums which might become due under this Agreement.
IMPORTANT NOTICE REGARDING SECURITY INTEREST:
You hereby pledge and grant us a security interest in all funds now or hereafter in any and all checking, savings and/or share accounts you have with us at any time this Agreement is in effect or any amounts are owing hereunder to secure payment of all credit extended to you under this Agreement.

1. Types of Credit Available. There are two types of credit available with MasterCard. You can use MasterCard to charge purchases of goods and services at many types of businesses throughout the world and you can also use it to obtain cash advances from participating financial institutions and automated teller machines worldwide.

2. Lost Card Notification. If you believe the Card has been lost or stolen you will immediately call us at 1-800-528-2273

3. Credit Line.If we approve your application, we will establish a line of credit for you and notify you of your credit limit when we issue the Card. You agree not to let the account balance exceed this approved credit limit. Each payment you make on the account will restore your credit line by the amount of the payment which is applied to principal. You may request an increase in your credit limit only by written application to us, which must be approved by our credit committee or loan officer before it becomes effective. By giving you written notice we may reduce your credit limit from time to time, or with good cause, revoke your Card privileges and terminate this Agreement. Good cause includes your failure to comply with this Agreement, or our adverse reevaluation of your credit-worthiness. You may also terminate this Agreement at any time, but termination by either of us does not affect your obligation to pay the account balance. The Cards remain our property and you must recover and surrender to us all Cards upon our request and upon termination of this Agreement.

4. Credit Information.You authorize us to investigate your credit standing when opening, renewing or reviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors who inquire of us about your credit standing.

5. Monthly Payment. We will provide you a statement every month showing your prior account balance, the current transactions on your account, the remaining credit available under your credit line, the total New Balance, the interest charge due to date, and the minimum payment which must be made by the payment due date, which also will be shown on your statement. Your minimum payment will be either (a) three percent of your total New Balance or $20.00, whichever is greater, plus any amount over your approved credit limit and any portion of the minimum payment shown on any prior statement which remains unpaid, or (b) your total New Balance if it is less than $20.00. In addition, at any time your account balance exceeds your credit limit, you must immediately pay the excess upon our demand. Your payment due date will be 25 days after your statement closing date, which is the last day of the month. You promise to pay the minimum payment amount on or before the payment due date shown on your statement each month. You may, of course, pay more frequently, pay more than the minimum payment, or pay the total New Balance in full, and you will reduce the interest charges you pay by doing so.

6. INTEREST CHARGESYou can avoid an interest charge on the purchase portion of your account by paying the entire New Balance shown on your monthly statement by the applicable payment due date each month. If you do not, interest charges will accrue on your purchase balance, as well as on all new purchases from the date they are posted
to your account. Interest charges always accrue on cash advances from the date they are posted to your account. There is no interest-free grace period on cash advances. INTEREST CHARGESon the secured MasterCard account will be calculated at a daily periodic rate of 0.02164% (0.02158% during a leap year), which corresponds to an Annual Percentage Rate of 7.9%, on the actual daily balances in your account. Subject to any applicable grace period for purchases, your actual daily balance is calculated each
day during a billing cycle by adding to the prior day's balance any new purchases and cash advances posted to your account that day, and subtracting any payments or credits posted to your account that day. Then, each day during the billing cycle, the actual daily balance in your account is multiplied by the daily periodic rate stated above to determine the dollar amount of your interest charge for that day. At the end of each billing cycle, your daily interest charges are added together to determine your total interest charge for
that billing cycle. In addition to the periodic interest charges described above, you also agree to pay a $2.00 cash advance fee for each cash advance obtained with the Card.

7. REINSTATING THE 25-DAY GRACE PERIOD.If you desire to reinstate the 25-day grace period on purchases, you must pay the New Balance shown on your monthly statement by the applicable payment due date. If you do so, you will not be assessed an interest charge on new purchases posted to your account so long as you continue to pay your New Balance on or before the applicable payment due date each month.

8. Default.You will be in default if you fail to make any minimum payment within 25 days after your monthly statement closing date. You will also be in default if your ability to repay us is materially reduced by an increase in your obligations, bankruptcy or insolvency proceedings involving you, or by your death or your failure to abide by this Agreement, or if you cease to be a member of SunWest Federal Credit Union. We have the right to demand immediate payment of your full account balance if you default. We will also have the right to foreclose our pledge (security interest) in any and all checking, savings and/or share accounts you have with us, up to the total amount of your debt to us under this Agreement. You agree to pay our reasonable collection expenses, including court costs and reasonable attorneys' fees.

9. Using the Card.To make a purchase or cash advance, there are two alternative procedures to be followed. One is for you to present the Card to a participating MasterCard plan merchant, to us or to another financial institution, and sign the sales or cash advance draft which will contain your truncated card number. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the Card in an ATM or other type of electronic terminal that provides access to the MasterCard system. The monthly statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. We may make a reasonable charge for photocopies of slips you may request.

10. Returns and Adjustments.Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending us a credit which we will post to your account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash advances, or, if it is $1.00 or more, refund it on your written request or automatically after six months.

11.Foreign Transactions.If you effect a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard International Incorporated will convert the charge into a U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government mandated rate or the wholesale rate in effect the day before the transaction processing date, increased by 1.1%. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

12. Effect of Agreement.This Agreement is the contract which applies to all transactions on your account even if the sales, cash advance, credit or other slips you sign contain different terms. We may cancel or amend this Agreement from time to time by notifying you in writing. Your use of the Card thereafter will indicate your agreement to any amendments. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing account balances as well as to future transactions.

13. Internet Gambling Transactions Prohibited.You may not use your card to initiate any type of unlawful electronic gambling transactions through the Internet.

Interest Rates and Interest Charges

SunWest MasterCard

Annual Percentage Rate (APR) forPurchases, Balance Transfers, and Cash
Advances

7.90%

How to Avoid Paying Interest on
Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer
Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov

Fees

SunWest MasterCard

Annual Fee

None

Transaction Fees• Cash Advance
• Foreign Transaction


$2.00
1.1% of each transaction in U.S. dollars.

Penalty Fees• Late Payment


$5.00

IMPORTANT INFORMATION REGARDING YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USEThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT
If you think there is an error on your statement, write to us at:SunWest Federal Credit Union, 11839 N 28th Drive, Phoenix, AZ 85029. You may also contact us at www.mysunwest.com.

In your letter, give us the following information:
• Account information: Your name and account number.        
• Dollar amount: The dollar amount of the suspected error.        
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing (or electronically). You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

While we investigate whether or not there has been an error, the following are true:        
• We cannot try to collect the amount in question, or report you as delinquent on that amount        
• The charge in question may remain on your statement and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.        
• We can apply any unpaid amount against your credit limit.
YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:        
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)        
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.        
3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: SunWest Federal Credit Union, 11839 N 28th Drive, Phoenix, AZ 85029 or at www.mysunwest.com. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent.

third-party site disclaimer

Navigating to a website that SunWest does not own or operate means that SunWest is not responsible for its content. That website's owner is solely responsible for its content, privacy and security.