Athol Credit Union Home Banking Service Agreement

Agreement Terms:

This Online Service Agreement for Home Banking sets forth the terms governing Home Banking on the Web offered by Athol Credit Union. All subscribers to the Home Banking Service (“you”) agree to these terms.

This Agreement is a supplement to other information and disclosure documents governing your accounts at Athol Credit Union. This Agreement for the Home Banking Service is not meant to replace any such agreements that govern your accounts at Athol Credit Union.

For purposes of this disclosure, our Business Days are Monday through Friday. Bank holidays are not included.

Authorized Person

The owner of the Social Security Number that is registered in Home Banking is the authorized person to use the service. If you don’t own the social security number on the account(s) you are not authorized to access, transfer or inquire about this service.

Computer Requirements

The service requires the use of 128-bit encrypted browser software (such as Netscape® Navigator or Microsoft® Internet Explorer, or other software that allows you to view the World Wide Web), a computer, a modem, and an Internet Service Provider. In this Agreement, the device and software used to view the World Wide Web are collectively referred to as your “Computer.” You are solely responsible for the selection, installation, maintenance, operation, and cost of your Computer and Internet Service Provider.

Note: the Service is not compatible with all browser software, and is best-viewed using Internet Explorer or Netscape.

Home Banking

Accounts Available in Home Banking

You can have the following types of accounts available with this service:

Checking accounts

Savings accounts

Money Market accounts

Certificate of Deposit

Mortgages

Home Equity Loans / Lines

Installment Loans

We may allow other types of accounts to be connected to the Home Banking Service. We also reserve the right to determine which accounts can be connected to the service. We may refuse to allow certain accounts, such as accounts with special signing requirements, to become activated.

The Home Banking Service

The Home Banking Service allows you to:

Obtain account information.

Transfer money between accounts.

Transfer money to pay certain Athol Credit Union lines of credit, mortgages, or loans.

Pay bills to any merchant, institution, or individual with a U.S. address through Athol Credit Union Online Bill Payment.

View check images online.

Account Transfers

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account.

Transfer funds from checking to savings

Transfer funds from checking to checking

Transfer funds from savings to checking

Make payments from checking to loan accounts with us

Make payments from savings to loan accounts with us

Account Transfers Schedule

· Monday through Thursday - 6:00 a.m. – 8:00 a.m. EST - Online transfers submitted during the timeframe above will post immediately. Transactions processed out of that time frame will be posted the next business day by 8:00 a.m. EST.

· Friday - 6:00 a.m. – 11:00 a.m. EST - Online transfers submitted during the timeframe above will post immediately. Transactions processed out of that time frame will be posted on Saturday by 8:00 a.m. EST

· Saturday, Sunday and Holiday Weekends - Online transfers submitted on Saturdays will post on Sunday by 8:00 a.m. EST. Online transfers submitted on Sundays will post on Monday by 8:00 a.m. EST. On a holiday weekend, online transfers submitted on Sunday or Monday will post on Tuesday by 8:00 a.m. EST

· Recurring Transfers – Any recurring transfers set up within home banking through the schedule transfers option will be posted by 2:00 p.m. on the effective date of the transfer.

Account Access and Balances

For each account you may access a maximum of 180 days of your transaction history through Home Banking. Your transactions and balances are shown in real time. The available balance is shown in real time but may not include any holds. If you have a Checking Account Line of Credit and your Checking Account is overdrawn the Line of Credit will advance to your checking account. The credit to your checking account will appear on the day the checking account was overdrawn.

Bill Payment

The Bill Payment Service

Our Online bill payment service allows you to schedule bill payments seven days a week. Through Online Bill Payment you can:

Make payments to individuals, businesses and merchants.

Set up payments to be made on a regular basis.

Make payments from your Athol Credit Union checking accounts, or set up recurring payments.

You may also make payments to other financial institutions.

Payment Account Your bill payment account must be an Athol Credit Union Checking Account.

Payment Method Your online bill payments will be made by transferring funds electronically from the Payment Account to the payee, or by mailing a check payable to the payee. A “payee” is a person or business you are paying. You can only designate payees with United States addresses. You may delete payees from your bill payment service if you do not use them.

Timing and Scheduling Your Payments To allow time for the payee to receive your payment, you must schedule the payment to be made at least five Business Days prior to the day you want a payee to receive payment. The day by which the payee indicates payment is due is the “Due Date.”

We recommend that you do not schedule the payment to be made during a grace period that your payee grants between the Due Date and the date at which the payment is considered late. Athol Credit Union will not be liable for late charges, penalties, interest, finance charges, and other damages if you schedule your payment to be paid during a grace period.

Our third party company Online Resources Corporation (ORCC) will initiate your payment request either on the Business Day we receive your request, or the Business Day you specify.

Payments requested to occur on a Saturday, Sunday or Bank holiday will be processed the next Business Day.

When requesting an Online Bill Payment, the funds will be withdrawn the day you designate the payment to be made (the “Process Date”). The payment will be mailed or sent electronically to the payee the next Business Day by Online Resources Corporation. You must have funds on deposit on the Process Date for the payment to be made.

Athol Credit Union assumes no responsibility for late payments if you do not properly schedule and submit your request. To ensure that critical or time-sensitive payments, such as insurance premiums, are made in a timely manner, we recommend that you schedule these payments well in advance of their due dates. Payees may require extra time to post a payment to your account because they do not receive a payment coupon or invoice number with the payment. Some payees disclose the extra processing time they require to post payments that do not include a payment coupon or invoice.

Recurring payments may be set up for weekly, bi-weekly, monthly, or bi-monthly payment. They must be for the same amount each time. Any scheduled or recurring payment request you designate that falls on a Saturday, Sunday or a Bank holiday will be made on the following Business Day.

Right to Stop Payment and Procedure For Doing So. To place a stop payment made through the bill pay system you must contact our third party company that handles the bill paying process, which is Online Resources Corporation. Online Resources Customer Service number is 1-877-314-8540. Please refer to our separate Fee Schedule for the amount we will charge you for each stop-payment order you give.

Disconnected Service If for some reason you are disconnected from the bill payment before you log out, we recommend that you log back onto the service to verify that the payments or transfers you scheduled appear on your view payments & payment history screen. If a scheduled payment or transfer is missing, please call 1-877-314-8540.

Do NOT reissue any payment requests made during the interrupted session unless you have been advised to do so by our Member Service Department. Otherwise, a duplicate payment could result. You authorize us to pay any duplicate payments you issue. We will not be responsible for any payee’s refusal to return any duplicate payments issued by you.

Rejecting Payment Requests Payment requests may be rejected if they appear to be fraudulent or erroneous. A payment request may also be refused if there is any uncertainty regarding the transacting party’s authority to conduct the transaction, or if there is any dispute or uncertainty regarding the ownership or control of the Payment Account.

No Signature Required When a payment is requested using bill payment, you agree that we may charge your account to make the payment with the same effect as if you had signed a check.

Deleting Bill Payments After a payment request is transmitted; you may use bill payment to delete the payment by using the DELETE function on the view pending and payment history page. The delete request for payments must be transmitted on the business day before the Business Day the transaction is scheduled to take place, or you may be responsible for the payment. Recurring payment instructions must be deleted 2 days prior to the recurring payment date.

Bill Payment Fees For bill payment fees refer to the applicable Fee Schedule.

Limitations Money Market Checking or Money Market Savings. During any statement cycle period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by the credit union. (Additional fees may be charged. See our Fee Schedule).

Hours of Operation and Transaction Cutoff Time

Home Banking and Bill Pay is available to you 24 hours a day, 365 days a year, except at times of “Service Unavailability” (see section D of this agreement). Transfer requests between 9:00 p.m. through 6:00 a.m. EST will post on the next business day. All transactions are completed at time of request.

Service Unavailability Access to Home Banking may be unavailable without notice at certain times for the following reasons:

Scheduled Maintenance: There will be periods when systems require maintenance or upgrades. These typically occur from 12a.m. – 12 p.m. (Eastern Time). You may be able to access your account information between those hours; however you will only be able to view your information. You will not be able to make any transfers.

Unscheduled Maintenance: Home Banking may be unavailable when unforeseen maintenance is necessary.

System Outages: Major unforeseen events, such as earthquakes, fires, floods, computer failures, interruption in telephone service or electrical outages may interrupt service availability.

Our Liability for Failing to Make or Complete a Transaction

Home Banking

If Athol Credit Union does not properly complete a transaction on time or for the incorrect amount, we will pay any late fees or finance charges. There are some exceptions that we will not be liable for, such as:

You fail to provide us with timely, complete and accurate information for any transfer failures.

Through no fault of ours, you do not have enough available funds or credit availability in your account to make the transfer.

The transfer would exceed the credit limit under any credit arrangement established to cover negative balances.

Circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or a natural disaster) prevent or delay the transfer despite reasonable precautions taken by us.

The system or terminal was not working properly and you knew or should have known about the problem when you started the transaction.

The funds in your account are subject to legal process, or otherwise are not available for withdrawal.

The electronic funds transfer system of Athol Credit Union is not working properly.

You did not properly follow service instructions on how to make the transfer (this includes incorrect date, amount).

Your computer, Internet connection, and/or software malfunctioned for any reason; the unsuitability of your computer or software or any virus, or the transaction could not be completed due to Service Unavailability.

Athol Credit Union will not be liable for indirect, special or consequential damages arising out of the use of Online Home Banking. There may be other exceptions stated in our agreements with you.

Online Resources Corporation Liability for Failing to Make or Complete a Transaction

Bill Pay

If Online Resources Corporation does not properly complete a transaction on time or for an incorrect amount, they will pay any late fees or finance charges as long as your account was in good standing with the merchant prior to this incident. There are some exceptions, however. Online Resources Corporation WILL NOT be liable, for instance if:

You fail to provide them with timely, complete and accurate information for a stop payment.

Through no fault of Online Resources Corporation, you do not have enough available funds or credit availability in your account to make the payment.

The payment would exceed the credit limit under any credit arrangement established to cover negative balances.

Circumstances beyond their control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or a natural disaster) prevent or delay the payment despite reasonable precautions taken by Online Resources Corporation.

The system or terminal was not working properly and you knew or should have known about the problem when you started the transaction.

The funds in your account are subject to legal process, or otherwise are not available for withdrawal.

The Bill Payment account is closed or frozen.

The electronic funds transfer system of Online Resources Corporation is not working properly.

The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely.

You did not properly follow service instructions on how to make the payment (this includes incorrect date, amount and/or address information.).

You did not authorize a payment early enough for the payment to be scheduled, transmitted, received and credited by the payee’s due date.

Online Resources Corporation made a timely payment but the payee refused to accept the payment or did not promptly credit your payment after receipt.

Any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee.

Online Resources Corporation will not be liable for indirect, special or consequential damages arising out of the use of Online Bill Payment. There may be other exceptions stated in our agreements with you.

Error resolution notice

Tell us AT ONCE if you believe your Home Banking log-in information has been lost or misplaced. Telephoning is the best way of limiting your possible losses.

In case of errors or questions about your electronic transfers or payments please let us know as soon as you can. If you think that your statement is wrong or if you need more information about a transfer listed on the statement, telephone us at 978-249-3527 or 1-866-305-9888 (for non-local calls)

We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number

Describe the error or the transfer you are unsure about. And 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 your complaint verbally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 calendar days after we hear from you and will correct any error promptly. If we need more time, however we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 calendar 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 10 business days, we may not provisionally credit your account.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error we will send you a written explanation.

We may Debit a provisional credit. Upon debiting a provisionally credited amount, we shall: (i) Notify you of the date and amount of the debiting; (ii) Notify you that we will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from your account (without charge you as a result of an overdraft) for five business days after the notification. We shall honor items as specified in the notice, but need honor only items that it would have paid if the provisionally credited funds had not been debited.

You may inspect or ask for copies of the documents that we used in our investigation. If there is no error, we may impose on you a reasonable change for making such reproductions.

Athol Credit Union 513 Main Street Athol, MA 01331 Business Days: Monday through Friday Business Hours: Monday, Tuesday, Wednesday, and Friday: 9:00 A.M. - 5:00 P.M. Thursday: 9:00 A.M. – 6:00 P.M. Excluding Federal Holidays Phone: 978-249-3527 or 866-305-9888 (for non-local calls) More detailed information is available on request

Email Limitations We may not immediately receive email that you send. Therefore, you should not rely on email if you need to communicate with us immediately, for example, if you need to report a lost or stolen card or PIN, or report an unauthorized transaction from one of your accounts. We cannot take action based on your email requests until we actually receive your message and have a reasonable opportunity to act.

Email may not be used to request account information or to conduct transactions with us (e.g., wire transfer requests, loan payments, or funds transfers, account numbers). Though all our email correspondence via our website is encrypted we recommend that you do not include sensitive information on your email messages. If in doubt, contact our Member Service Department at 978-249-3527.

Non-usage and Cancellation of the Home Banking Service

You must indicate that you wish to cancel the service either with our Member Service Department at 978-249-3527 or by written notice to

Athol Credit Union Attn: Internet Department 513 Main Street Athol, Ma 01331

Non-usage of the service for 90 consecutive days may result in either termination of the service or discontinuance of any service fee waiver at our sole discretion. You agree that at any time after such notice or period of non-usage, we may discontinue both the Home Banking Service and Bill Pay. We strongly recommend that you cancel all recurring and future bill payments before you cancel your Home Banking Service. This will ensure that future payments and transfers made by you will not be duplicated.

Termination of Service

We may suspend or terminate your Home Banking Service at any time with or without cause and without affecting your outstanding obligations under this agreement. We may immediately take this action if:

You breach this or any other agreement with us

We have reason to believe that there has been or may be an unauthorized use of your Home Banking log-in information

There are conflicting claims to the funds in your account

You request that we do so

You reach a 90-day period of service inactivity

Amendment of this agreement

Athol Credit Union may change or cancel the Home Banking Service at any time without cause, subject to applicable laws and regulations. We may amend this agreement by sending you advance notice of the amendment. All notices we send to you will be deemed delivered when mailed to the last address we have for you.

Notices

We may send notices to you at the address shown in our system. Also email correspondence is an acceptable way for Athol Credit Union to communicate notices.

Severability

If any provision of this Agreement is determined to be void or invalid, the rest of the Agreement will remain in full force and effect.

Other Terms

This Agreement supplements any other agreements of the accounts that you have active in the Home Banking Service. Please see those agreements for other details regarding your accounts, fees and transactions.

Initial Disclosure of Terms and Conditions of Electronic Fund Transfer Services

The following disclosure of terms and conditions relating to your electronic fund transfer service with this institution is provided to you in accordance with the requirements of Federal and State Law. You should read this notice carefully to understand all of the terms and conditions which govern your electronic fund transfer service.

Contact in Event of Unauthorized Transfer. If you believe your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at (978) 249-3527 during our business hours or write to us at:

Athol Credit Union

513 Main Street

Athol, Ma. 01331

Business Days. For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

TRANSFER TYPES AND LIMITATIONS

1. Account Access.

You may use your card or code to:

(a) Have direct deposits made to your account at least once every 60 days from the same person or entity;

(b) Have preauthorized payments made from your account;

(d) Make deposits to your statement account;

(e) Transfer funds from your statement account(s) to another account in this institution;

(f) Pay for purchases at places that have agreed to accept this card utilizing its point-of-sale transfer feature;

(g) Pay for purchases at places that have agreed to accept this card using its debit card feature;

(h) Authorize the transfer of funds by telephone from your statement account(s);

(i) Authorize the transfer of funds from your statement account(s) for the purpose of paying your bills through your home computer;

(j) Authorize third parties to electronically debit your account at point-of-purchase locations or otherwise utilizing information about your account which you provide to such third parties and which transfer we elect to honor;

(k) Pay for fees for electronic representment of a dishonored check where you have agreed that such fees may be debited to your account electronically.

Some of these services may not be available at all terminals or available in conjunction with all accounts. You may have chosen to limit access by electronic means to one or more of your accounts.

2. Limitations on Frequency of Transfers.

You may have chosen to limit access by electronic means to one or more of your accounts.

(a) You may make unlimited cash withdrawals from our terminals each day.

(b) You can use our point-of-sale transfer service for unlimited transactions each day;

(d) You can use our home computer bill paying service for unlimited transactions each day;

(e) For security purposes, there are limits on the number of transfers you can make using our terminals.

There may be other limits that apply to your card if you use your card outside of the United States

America.

3. Limitations on Dollar Amounts of Transfers.

(a) You may withdraw up to $300.00 from our terminals each day. If we issue you two cards with separate PIN’s, you can withdraw up to $300.00 utilizing each card for a daily maximum of $600.00 in the aggregate utilizing your available balance.

(b) You may buy up to $300.00 worth of goods or services each day using the point-of-sale transfer feature of your card. If we issue you two cards with separate PIN’s, you can purchase up to $300.00 using each card for an aggregate of $600.00 per day utilizing your available balance.

(c) You may buy up to $300.00 worth of goods or services each day using the debit card feature of your card. . If we issue you two cards with separate PIN’s, you can purchase up to $300.00 using each card for an aggregate of $600.00 per day utilizing your available balance.

(d) The limitations shown above in paragraphs A, B and C are further limited to $300.00 per day per card in the aggregate.

(e) At any time you may limit the amount to be withdrawn to $50.00 per day upon written notice to this institution.

(f) For security reasons, there are other limits on the transfers you can make using our terminals, authorized telephone transfer service, or other electronic transfer system. There may be other limits that apply to your card if you use your card outside of the United States of America.

4. Limitations on Preauthorized Transfers.

If your account is a money market statement account, you may not make more than 6 transfers per month to another account with us or to a third party by means of preauthorized or automatic transfer, order instruction, and no more than 3 of the 6 such transfers may be made by check, draft, debit card, or similar order made by you and payable to third parties.

5. Fees.

Refer to our regularly published schedule of service charges for the applicable fees which you may be charged.

(a) Per Transfer Charge. We may charge you for each transfer you make using our electronic fund transfer services as per our most recently published schedule of charges.

(b) Account Maintenance. We may charge you a fee each month to maintain your account(s) with us, if you fail to maintain the required monthly balance amount per our most recently published schedule of service charges.

(c) Interest. We pay interest on accounts accessed by these services per our regularly published schedule of interest rates.

(d) Fees Imposed by Others. A fee may be imposed on you for use of your card if you use it to effect a transfer at an automated teller machine that we do not operate. A fee may also be imposed on you by any national, regional, or local network, utilized to effect a transaction using your card.

6. Confidentiality.

We will disclose information to third parties about your account or the transfer you make:

(a) Where it is necessary for completing transfers, or

(b) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or

(d) Where it is necessary for legal, collection, accounting, or auditing purposes, or

(e) If you give us your written permission.

7. Documentation.

(a) Preauthorized Credits. If you arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money. You can call us during our business hours at (978) 249-3527 to find out whether or not the deposit has been made.

(b) Periodic Statement. You will get a monthly account statement, unless there are no transfers in a particular month. In any case you will get the statement at least quarterly.

(c) Passbook Account where the only Possible Electronic Fund Transfers are Preauthorized Credits. If you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your passbook.

(d) Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using an electronic terminal, such as an automated teller machine, cash dispensing machine or point-of-sale terminal.

(e) Documentation as Evidence. Any documentation provided to you which indicates that an electronic fund transfer was made shall be admissible as evidence of such transfer and shall constitute prima-facie proof that such transfer was made.

(f) Wire Transfers. If you originate a wire transfer for which FedWire is used, you understand that said transfer is subject to Article 4A of the Uniform Commercial Code. If you originate a fund transfer by wire and you do not properly identify the name of the beneficiary, the beneficiary’s account number, the beneficiary’s financial institution, or provide any other necessary information, you shall bear the loss (if any) caused by such failure to properly provide the required information. We shall have no liability to you for any such loss even though we could have prevented such loss by confirming the accuracy of the information which you provided.

(g) Automated Clearing House. In the event that any transaction related to your account(s) utilizes the services of an automated clearing house, you agree to be bound by the rules of such automated clearing house or any association to which it belongs. These rules may provide, among other things, that payments made to you, or originated by you, will be provisional until final settlement is made through a Federal Reserve Bank or payment of the same is otherwise finally made as provided in Article 4A-403(a) of the Uniform Commercial Code. In the event that any amount is credited to your account(s) and we do not receive final payment with respect to the same, we shall be entitled to a refund from you on the amount so credited to your account(s).

8. Preauthorized Payments.

(a) Right to Stop Payment and Procedure for Doing So. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how: Call us at (978) 249-3527 or write us, in time for us to receive your request 3 business days or more 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 your call.

(b) Notice of Varying Amount. 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 that a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

(c) Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop one of these payments 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.

9. Financial Institution’s Liability.

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. However, there are some exceptions. We will not be liable, for instance;

(a) If, through no fault of ours, you do not have enough money in your account to make the transfer.

(b) If the transfer would go over the credit limit on your overdraft line.

(d) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

(e) If the automated teller machine where you are making the transfer does not have enough cash.

(f) If the funds are subject to legal process or other encumbrance restricting such transfer.

(g) There may be other exceptions stated in our agreement with you.

The initiation by you of certain electronic fund transfers from your account will, except as otherwise provided in this agreement, effectively eliminate your ability to stop payment of the transfer.

UNLESS OTHERWISE PROVIDED IN THIS AGREEMENT, YOU (THE CONSUMER) MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS, THEREFORE YOU SHOULD NOT EMPLOY ELECTRONIC ACCESS FOR PURCHASES OR SERVICES UNLESS YOU ARE SATISFIED THAT YOU WILL NOT NEED TO STOP PAYMENT.

Termination of this Agreement. You may terminate your right to use your card or code by calling us at (978) 249-3527 during normal business hours, or writing to us. If you call, we may require you to put your request in writing and get it to us within ten (10) days after you call.

In Case of Errors or Questions About Your Electronic Transfers. Telephone us during normal business hours, or write to us 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 you the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).

2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

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 10 business days.

We will determine whether an error occurred within 10 calendar days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 calendar days for the amount your 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 10 business days, we may not recredit your account.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

MASTERCARD CARDHOLDER AGREEMENT

The following terms and conditions are agreed to by you and us when we issue you a card at your request. To the extent that any of the following terms and conditions are void or unenforceable under applicable law, this Cardholder Agreement shall be treated as if such terms or condition did not exist and all of the other terms and conditions shall continue in full force and effect.

All of the terms set forth in the Initial Disclosure of Terms and Conditions of Electronic Fund Transfer Services are hereby made part of this Cardholder Agreement and shall govern the use of your card.

Any account which may be accessed by use of your card may also be governed by a separate set of rules and regulations which shall remain in effect with respect to such accounts, unless inconsistent with the agreements set forth in this Cardholder Agreement in which case the terms and conditions set forth herein shall control.

1. Use of Card.

You may use your card to carry out the transactions described in the Disclosure Statement under the heading “Transfer Types and Limitations”. We may agree with you in the future that other transactions can be carried out using your card and, in such event, we will notify you as to those transactions.

You agree not to use your card to effectuate any transaction which is unlawful under applicable law, such as unlawful gambling.

2. Limitations on Transfers.

(a) You may withdraw up to $300.00 or your available balance (whichever is smaller) from our terminals each calendar day unless you request and are approved for a higher amount. If we issue you two cards with separate PIN’s, you may withdraw up to $300.00 or your available balance (whichever is smaller) utilizing each card so that the aggregate amount that may be withdrawn on a daily basis would be $600.00 or your available balance, if less. This amount is further limited to not more that $200.00 when our computer system is off-line for each card if they have separate PINs.

(b) You may purchase, utilizing the point-of-sale feature of your card, up to $300.00 of goods and/or services each calendar day from places that accept the card. If we issue you two cards with different PINs, you may purchase up to $300.00 using each card for an aggregate of $600.00 per day. You may not exceed your available balance, if less. This amount is further limited for not more than $200.00 when our computer system is off-line for each card if they have separate PINs.

(c) You may purchase, utilizing the debit card feature of your card, up to $300.00 of goods and/or services each calendar day from places that accept the card. If we issue you two cards with different PINs, you may purchase up to $300.00 using each card for an aggregate of $600.00 per day. You may not exceed your available balance, if less. This amount is further limited for not more than $200.00 when our computer system is off-line for each card if they have separate PINs.

(d) The limitations shown above in paragraphs A, B and C are further limited to $300.00 per day per card in the aggregate.

(e) At any time you may limit the amount to be withdrawn to $50.00 per day. To implement this limit you must give us written notice.

(f) For security reasons, we may impose other limits on transfers you can make using our terminals, authorized telephone transfer service, or other electronic transfer system.

(g) Use of your card outside of the United States of America may be subject to certain limitations. If you plan to travel outside of the United States, you should contact us for information concerning such limitations in various countries.

(h) If your account is a money market statement account, you may not make more than 6 transfers per month to another account with us or to a third party by means of a preauthorized or automatic transfer, or telephone agreement, order or instruction, and no more than 3 of the 6 such transfers may be made by check, draft, debit card, or similar order made by you and payable to third parties.

3. Charges for Use of Your Card.

We have published a Service Charges Schedule which sets forth all applicable charges which we can make in connection with the use of your card or any electronic fund transfer. Please refer to our most recently published Service Charges Schedule. We reserve the right to amend the Service Charges Schedule at any time and will give you notice if we do. You agree to pay all such charges which you have incurred and hereby authorize us to charge your deposit account(s) with the aggregate outstanding amount of such charges from time to time.

4. Processing of International Transactions.

Purchases and Cash Advances made outside of the United States of America in foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars will be at a rate selected by MasterCard from the range of rates available in the wholesale currency markets for the applicable central processing date, which rate may vary from the MasterCard itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate on the processing date may be different from the rate that would have been in effect on the date that the transaction occurred in the foreign country.

5. Joint Accounts.

In the event that your deposit account(s) is held jointly with another person(s), each joint holder of said account shall be able to exercise any and all rights hereunder individually and shall be jointly and severally liable for the obligations incurred under this Cardholder Agreement and will be bound by this Cardholder Agreement. Without limiting the foregoing, each person named on the account may utilize any card issued in connection with the account, may close the account, may authorize others to use any card and/or code on his or her behalf, and may agree to amend this Cardholder Agreement and, in any such event, such action shall be binding upon each other person who is bound by this Cardholder Agreement.

6. Evidence of Transactions.

In the event that we institute legal action against you in connection with this account, we may introduce into evidence a copy, microfilm, or microfiche of any document evidencing transaction under this Cardholder Agreement and such copy, microfilm or microfiche shall be deemed as valid as the original document.

7. Notices.

Any notice sent by us shall be effective when mailed to you at your last address on our records. To the extent allowed by law, notices from you to us must be in writing and shall be effective when received by us.

8. Default.

In the event that you default in connection with any obligation owed to us, you agree to reimburse us for all costs of collection, including reasonable attorneys’ fees.

9. Maintenance of Accounts.

As long as this Cardholder Agreement is in effect, you agree to maintain at least one account for which your card can be used. If you close all of such accounts, this Cardholder Agreement will terminate and you must return your card to us immediately.

10. Ownership of Card.

The card which we issue to you will remain our property and you may not transfer it to any other person. You agree to return the card to us immediately upon demand or upon termination of this Cardholder Agreement. We will program the machines in which your card can be used to retain your card following the termination of this Cardholder Agreement and in certain other events.

11. Authorization to Withdraw Funds from your Account(s).

You hereby authorize us to withdraw funds from your account(s) to satisfy any transactions which you have made utilizing your card. Such authorization includes the right to charge your accounts for funds distributed to you and for charges which you have incurred pursuant to this Cardholder Agreement.

12. Amendments.

We may amend any term in this Agreement or the Disclosure by sending you written notice of such amendment at least 30 days prior to the effective date of such amendment. To the extent permitted by law, we may amend any term set forth in the Agreement or Disclosure immediately to maintain or restore the security of your account or our electronic fund transfer system.

13. Lost or Stolen Card Liability.

You may be liable for up to $50.00 of unauthorized transactions which occur before you notify us of the loss, theft or possible unauthorized use of your card, but you can be liable for up to $50.00 only if you do not use reasonable care in safeguarding your card from risk of loss or theft, you have reported two or more incidents of unauthorized use within the preceding 12 months, or your account is not in good standing at the time of unauthorized use.