Online Agreement

This agreement contains the rules, which govern access to your account(s), with us, using CU One On-Line (remote Internet account access). Please read this information carefully. By accepting, you are agreeing to the conditions below for use with CU One On-Line the remote access system. You understand that you cannot use CU One On-Line without a PIN (Personal Identification Number), that you must apply for in writing, and that the credit union will not keep a record of it. It is your understanding that the PIN may be used for: transfers between your accounts, information regarding your account(s), check withdrawals made out in your name on your account(s) (except Individual Retirement Accounts and Share Certificates of Deposit) and for such other transactions as may become available, of which this agreement is made a part by reference. You are responsible for the safekeeping of the PIN and for all transactions completed by use of CU One On-Line. You will notify the credit union immediately and send written confirmation if your PIN is disclosed to anyone other than a joint owner of your account(s). If you disclose the PIN to anyone, however, you understand that you have given him or her access to your account(s) via CU One On-Line and that you are responsible for such transactions. You further understand that the PIN is not transferable and you will not disclose the PIN or permit any unauthorized use thereof. If you default on any amounts you owe under this agreement, you agree to pay any and all attorney fees and collection costs incurred by the credit union to the extent allowed by law. Tell us AT ONCE if you believe your PIN has been used by an unauthorized party or stolen. Telephoning is the best way of keeping your losses down. You could lose all the money in your account(s). If your Statement of Account shows 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 not get back any money you lost after sixty (60) days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If good reasons (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods. If you believe your PIN has been lost or stolen, or that someone has withdrawn or may withdraw money from your account(s) without your permission, call (405) 557-0167, (800) 522-8462 or write: Credit Union One of Oklahoma, Attn: Member Services, PO Box 53005, Oklahoma City, OK 73152. Our business hours are: Monday through Friday, 9:00 a.m. to 4:30 p.m. except legal holidays. You understand that the credit union reserves the right to discontinue access to CU One On-Line without notice and will not be liable for failure to honor any transaction. Amendments to this agreement may be provided to you, in accordance with applicable laws, without restatement of terms. The use of CU One On-Line is subject to such other terms, conditions and requirements as the credit union may establish from time to time. The credit union must give a 21-day notice if it makes any changes in this agreement. Transactions made through CU One On-Line are binding on the Credit Union only after verification by the Credit Union. Transactions after the normal business hours each day may be posted to the appropriate account(s) on the next business day after the date of such transactions. There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day. The total dollar amount of transactions via CU One On-Line are subject to limits set by the credit union, and sufficient verified funds must be available to satisfy transaction instructions. For all share accounts, no more than six (6) preauthorized, automatic, telephone, or internet transfers and withdrawals may be made from each account to another account of yours or to a third party in any month. If you exceed the transfer limitations set forth above, your account may be subject to closure by the credit union. As with any credit union transaction, we may limit the withdrawal amount to currently collected balances, and all deposits are accepted on a provisional basis to collection. The credit union reserves the right to impose charges at a future date after giving you notice of such service charges. All of your CU One On-Line account activity will appear on your regular account statement as MCW Internet Home Banking. The credit union will not provide separate documentation of this activity. You may print the confirmation of each transaction from your computer screen for your records. Loan balances shown in your account may not reflect the true payoff of the loan. Please call Credit Union One at (405) 557-0167 or (800) 522-8462 to get a true payoff quote. In order to use CU One On-Line home banking, you need a computer (in this, agreement, your computer and the related equipment are referred to together as your "Computer") with a web browser (either Netscape 7.1 or higher, Internet Explorer 6.0 or higher), an account number and CU One On-Line PIN. You are responsible for the instillation, maintenance, and operations of your Computer, browser and the software. Credit Union One of Oklahoma is not responsible for any errors or failure from any malfunction of your Computer, the browser or the software. Credit Union One of Oklahoma is also not responsible for any Computer virus or related problems that may be associated with the use of the online system. IN CASE OF ERROR OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFER, telephone us at (405) 557-0167/(800) 522-8462 or write: P.O. Box 53005, Oklahoma City, OK 73152 as soon as you can. If you think your statement or receipt 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 60 days after we sent the FIRST statement in which the problem or error appeared: Tell us your name and account number. Describe the error or the transfer you are unsure about, 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 any error promptly. If we need more time, however, we may take up to forty-five (45) days 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, 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 that 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 that we used in our investigation. Currently there are no fees or charges for using CU One On-Line. All standard fees set forth in your rate and fee schedule applies and can be found on the CU One Services page on the website. We reserve the right to institute charges for CU One On-Line account access or transactions in the future, but only after written notification to you at least 21-days in advance. Right to Stop Payment and Procedure for Doing So. If you have told us in advance to make regular payments out of you account, you can stop any of these payments. Here is how: Call or write us at 405.557.0167 or 800.522.8462, P.O. Box 53005, OKC, OK 73152, in time for us to receive your request three (3) business days before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give. Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) CU One On-Line will be available for your convenience 24 hours a day, 365 days a year, with minor interruptions for end-of-day in-house processing. If you use CU One On-Line in a particular month or if you have a checking account, the credit union will mail you a statement for that particular month's transactions. Information concerning your share or loan account will be given to third parties only: A) in order to comply with the order of a government agency or court; B) if you give us your written permission; or, C) when it is necessary to complete the electronic transfer into your account. If we do not complete a transfer to your account in time or for the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable: A) if circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions we have taken; B) if the party sending us the deposit either fails to generate the correct amount on time; or, C) if, through no fault of ours, you do not have enough money in your account to make the transfer. There may be other exceptions stated in our agreement with you. Funds Availability Disclosure: This policy statement applies to all deposit accounts. Our policy is to make funds from your deposit available to you on the first business day after we receive your deposit. Electronic deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit at an ATM before 2:00 P.M. on a business day that we are open, we will consider that day to be the day of deposit. However, if you make a deposit at an ATM after 2:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit am check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposit. Longer Delays May Apply: In some cases, we will not make all of the funds available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth (5) business day after the day of your deposit. However, the first $100.00 of your deposits will be available on the first business day after we receive your deposit. If you are not going to make all of the funds from your deposit available on the first business day after we receive the deposit, we will notify your at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to make this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: we believe a check you deposit will not pay; you deposit checks totaling more than $5,000.00 on any one day; you redeposit a check that has been returned unpaid; you have overdrawn your account repeatedly in the last six (6) months; there is an emergency, such as failure of communications or computer equipment. 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. They will generally be available no later then the eleventh (11) business day after the day of your deposit.

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