Terms and Conditions Agreement for Friends and Family Credit Union Internet Banking Service

This Agreement governs the use of the Friends and Family Credit Union Internet Banking Service, jointly referred to as the 'Service,' provided by Friends and Family Credit Union. By using the Service to conduct transactions, you agree to the terms of this Agreement.

Definitions
As used in this Agreement, 'account' and 'accounts' mean Friends and Family Credit Union account in which you are either the owner or joint owner. 'Loan account' and 'loan accounts' mean any loan you have with Friends and Family Credit Union. 'You,' 'your,' and 'yours' mean the person(s) using the Service. 'We,' 'our,' us,' and 'Financial Institution' refer to the individual Financial Institution Friends and Family Credit Union that holds your accounts.

Deposit and Credit Agreements
The terms and conditions in this Agreement shall have priority and take precedence over any existing terms and conditions in existing account and loan agreements you have with us in the event of a conflict.

Required Equipment
In order to use the Internet Banking Service, 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 Navigator 4.0 or higher, Microsoft Internet Explorer 4.0 or higher), a member number, and Internet Banking PIN. The PIN is the confidential personal identification number you use to access your account(s) through Internet Banking.

You are responsible for the installation, maintenance, and operation of your Computer, browser and the software. Friends and Family Credit Union is not responsible for any errors or failures from any malfunction of your Computer, the browser or the software. Friends and Family Credit Union is also not responsible for any Computer virus or related problems that may be associated with the use of an online system.

The Service
To use Internet Banking, you must have at least one Friends and Family Credit Union personal account and an Internet Banking PIN. Through Internet Banking, you will have access to any of your Friends and Family Credit Union share accounts or loan accounts. Friends and Family Credit Union reserves the right to deny access to a deposit account or loan account or to deny transactions under certain circumstances.

Description of Internet Banking
The Service allows you to perform some or all of the following functions from your Computer:

Online Account Access Functions and Limitations of Transfers
You may use Internet Banking to (a) transfer funds between your accounts; (b) obtain account balances; (c) obtain history and transaction information on your accounts; and (d) obtain loan account balance information. These features are limited to the extent, and subject to the terms, noted below.

i. Your ability to transfer funds between certain accounts is limited by federal law and the Deposit Agreement. You should refer to the Deposit Agreement for legal restrictions and service charges applicable for excessive withdrawals or transfers. Transfers made using the Internet Banking Service are counted against the permissible number of transfers described in the Deposit Agreement.

ii. Most Internet Banking transactions will be immediately recorded in the system. However, there may be a later posting date if you try to transact business during our daily backups. Except as provided in this Agreement, all Internet Banking transaction instructions received by 11:00 p.m. EST will be completed that business day. Any instruction received after 11:00 p.m. EST will be completed the next business day.

iii. Transactional information for your accounts will be available from Internet Banking for a maximum of 6 months from the date of inquiry.

Personal Identification Number and Security
Your Internet Banking personal identification number (PIN) is required to access Friends and Family Credit Union Internet Banking functions. You agree not to give or make available your PIN to any unauthorized individual. If you believe your PIN has been lost or stolen, someone has attempted to use the Internet Banking Service without your consent, your deposit account(s) or loan account(s) have been accessed, or someone has transferred money without your permission, you must notify Friends and Family Credit Union immediately. The Friends and Family Credit Union does not maintain a record of your PIN. If you lose or forget your PIN, contact Friends and Family Credit Union immediately so that you may select a new confidential PIN.

Your Liability for Unauthorized Transfer
Tell us AT ONCE if you believe your account information and/or PIN have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft line of credit and open-end credit). If you believe your account information and/or PIN has been lost or stolen and/or you believe there have been unauthorized transactions from your accounts, you must notify us as soon as you realize this situation has occurred. If you do not tell us within 60 days after your statement was mailed to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time.

Errors and Questions
Telephone 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. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Your inquiry must include:

  1. Your name and account number,
  2. A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need more information,
  3. The dollar amount of the suspected error, and
  4. The date of occurrence.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within 10 business days of the receipt of your complaint and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate the complaint or question. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Data Recording
When you access Internet Banking to conduct transactions, the information you enter may be recorded. By using Internet Banking, you consent to such recording.

No Signature Required
When using Internet Banking to conduct transactions, you agree that the Financial Institution may debit your account to complete the transactions, or honor debits you have not signed.

Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or transfers you made:

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

Charges
As a courtesy to our members, there is no fee at present being charged for you to use the Home Banking service. If there is a charge in the future, it will be reflected on the revised Rate and Fee Schedule at that point in time.

Alterations and Amendments
The terms of this Agreement, applicable fees, and service charges may be altered or amended by Friends and Family Credit Union from time to time. In such event, Friends and Family Credit Union shall send notice to you either at your address as it appears on Friends and Family Credit Union records or by online notice through Internet Banking. Any continuation of Internet Banking after Friends and Family Credit Union sends you a notice of change will constitute your agreement to such change(s). Further, Friends and Family Credit Union may, from time to time, revise or update Friends and Family Credit Union program, services, and/or related material(s) rendering such prior versions obsolete. Consequently, Friends and Family Credit Union reserves the right to terminate this Agreement as to all such prior versions of Friends and Family Credit Union programs, services, and/or related material(s) and limit access to Friends and Family Credit Union more recent versions and updates.

Address Changes
You agree to promptly notify the Friends and Family Credit Union member/customer service in writing of any address change. You will not be able to change your address on the Internet Banking or Bill Payment websites. When we receive your written request in person to change your address we will update the computer system at the credit union. Updating your address at the Friends and Family Credit Union will automatically update the address on the Service.

Termination or Discontinuation
In the event you wish to discontinue the Service, you must contact the Friends and Family Credit Union within 10 days prior to the actual service discontinuation date. You must request the service discontinuation by written correspondence sent via the mail. Written notice must be signed and sent to: The Friends and Family Credit Union 46 Federal Ave. NW Massillon, Ohio 44647

However, any transactions or payments you have previously authorized will be completed as instructed. The Friends and Family Credit Union may terminate Service to any individual at any time with cause, but without advance notice. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.

Disputes
In the event of a dispute regarding Internet Banking, you and The Friends and Family Credit Union agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Friends and Family Credit Union, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Friends and Family Credit Union relating to the subject matter of this Agreement.

Assignment
You may not assign this Agreement to any other party. The Friends and Family Credit Union may assign this Agreement to any present or future, directly or indirectly, affiliated company. Friends and Family Credit Union may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver
Friends and Family Credit Union shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Friends and Family Credit Union. No delay or omission on the part of Friends and Family Credit Union in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Law
This Agreement shall be governed by the laws of the jurisdiction in which the Financial Institution is located and by applicable Federal laws and regulations.

Federal Disclosure
You agree to accept this disclosure online rather than a paper disclosure. We recommend you print the entire Agreement and Disclosure for your records. If you are unable to print this, please request a paper disclosure to be mailed to you.