Disclosure

GREENVILLE GAS TURBINE EMPLOYEES FEDERAL CREDIT UNION

P. A. M. AGREEMENT

Accessing PAM services constitutes acceptance of this PAM agreement, the Electronic Funds Transfer Disclosure and Fee Schedule and all of the terms and conditions contained in the Accounts & Services of Your Credit Union brochure which were previously provided to you when you opened your account. If you have difficulty logging on or if you would like to request a copy of the above-referenced information call, write, fax or e-mail us.

Greenville Gas Turbine Employees Federal Credit Union

Attention: Internet Banking Officer

P. O. Box 1195

Greenville, SC 29602

(864) 254-2223

Fax (864) 254-2455

E-mail: sawolf@mindspring.com

WELCOME TO P. A. M.

Personal Account Manager

Do your banking in your pajamas with your Personal Account Manager. Your Credit Union has created a new way for you to do your banking-online! You can do all of this from the comfort of your home. PAM is fast, secure, user friendly, and allows you to do your transactions any time of the day.

Some of these services include, but may not be limited to:

Account Information

Check balances
View detailed account histories
Review drafts (checks) that have cleared

Funds Transfer Transactions

Transfer funds between accounts
Transfer money to make loan payments
Transfer a cash advance from an overdraft line of credit

Other Functions

Reorder Checks
Change Password
Place a stop payment on a draft (check)
Check interest rates, dividend accruals on savings and loans
Request withdrawals to be mailed to the address on record

These are just a few of the things you will be able to accomplish with online banking. So give YOUR Credit Union a call today to be set up with this service.

Here is a list of the items you will need to get started

Your log in User ID
Your PAM Password
A computer, modem, and Internet access
Microsoft Internet Explorer 4.0 or higher or Netscape 4.0 or higher

FREQUENTLY ASKED QUESTIONS

Does this service cost anything?

No, this is a free service provided for our members as we strive to become their primary financial institution.

How long does it take for transactions to post to my account?

Transactions will post in real time mode, just like on the audio response (SAM).

Do I need any special software for my computer to use PAM?

No, all you need is your User ID, Password and a computer with Internet access.

Is online bill payer service available?

Unfortunately, online bill payer is currently not available, but is something that may be looked into in the future.

Have safeguards been implemented to mitigate the risk of confidential member and servicing information being disclosed to or modified by unauthorized users?

The Home Banking servers are protected by the following methods:

Secure Datacenter- Card key system
NT Security Administrator (with administrative login and password)
SSL Browser 128 Bit Certificate
ISS Secure Suite-Real-Time Intrusion Detection and Prevention Systems
Internet Firewall Protection and much more

PAM will automatically timeout after a specified period of inactivity.

How do I get started?

Contact your Credit Union and let them know that you want to be online. We will send a letter specifying your initial Password. Then simply log ontowww.ggtefcu.org click the "links" button and off you go. You will be able to change your Password the first time that you log on.

Who can I call for problems or questions?

If your problem or question is related to your account, contact the Credit Union. If you feel that the problem or question is due to a connection problem, contact your Internet provider.

We appreciate the opportunity to serve you. HAPPY BANKING !