Xceed Financial disclosures for your reference:

Please take time to read the following revised consumer disclosures, as a number of important changes have been made. These changes will become effective February 1, 2010, and apply to your existing accounts as well as future accounts you may have.

1) Agreement and Disclosures booklet
2) Electronic Services Agreement and Disclosure
3) Privacy Policy for members in California
4) Privacy Policy for members in all other states
5) Services and Fee Schedule for consumer accounts

Additional Member Disclosures

Services and Fee Schedule (for business accounts)

Courtesy Pay Policy

Courtesy Pay Policy (for business accounts)

Overdraft Transfer Fee Addendum

Your Billing Rights

Variable Rate Loan Change in Terms Addendum

PowerLine of Credit Addendum

Relationship Advantage Program Addendum

Business Services Disclosure

Visa Gift Card Disclosure

Web Banking Disclosure (business)

eStatements Disclosure