OTEEN VA FCU ONLINE ACCESS ACCOUNT
Account Access. Our Internet address: https:// www.netit.financial–net.com/oteenvafcu/

Make transfers between all owned share savings and share checking accounts and from your share savings and share checking accounts to pay your consumer loan(s).

Make transfers from your share accounts to other share accounts on which you are joint owner, and to other third- party share accounts at Oteen VA FCU (“Oteen”) for which you have established a third party capability.

TRANSFER LIMITATION
There are no limits on the number of transfers that you may make from your share savings account if they are made in person, by Automatic Teller, or by mail. There are also no limits on the number of payments you may make on Oteen loans, the number of times you may have funds mailed directly to you, or the number of distributions you may make of your direct deposit.

Federal regulations limit the number of certain types of transfers and/or withdrawals you can make from your share savings account to six per calendar month. The types of transfers that are limited are those requested by fax, telephone, Internet, and preauthorized transfers.

ENHANCEMENTS / MODIFICATIONS TO SERVICE
The terms and conditions of this service are subject to change without notification to you, unless prior notification is required by law. Oteen reserves the right to revoke or refuse Online Account Service at its discretion.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
Liability Disclosure. By applying for On-Line Account Access, you agree to accept the responsibility for protecting the integrity of your Password(s) in order to prevent unauthorized transactions and/or account access. You also agree that Oteen may revoke On-Line Account Access if unauthorized transactions and/or account access occur as the apparent result of your negligence in safeguarding your Password(s). Further, you agree that, if Oteen is notified that you have included Oteen in the filing of a Petition in Bankruptcy, Oteen may revoke or refuse On-Line Account Access.

Notify Oteen immediately if you believe your account has been accessed without your permission. The best way to minimize your possible loss due to unauthorized use or access of your account is to telephone Oteen immediately at the telephone number listed below; although, you may also provide such notification in person or in writing. If you do not notify us of the unauthorized access of your account, you could lose all of the money in your account (plus, your maximum overdraft amount). If you notify us within two (2) business days after you learn of any unauthorized access of your account, the maximum amount you can lose is $50.00 as a result of such unauthorized access. If you do NOT notify us within two (2) business days after you learn of any unauthorized access of your account, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you can lose as much as $500.00.

If your statement shows any electronic fund transfer(s) you did not make or authorize to be made, notify us immediately. If you do not notify us within sixty (60) days after the date the first statement that reflected the unauthorized transfer was mailed to you, you may not recover any funds you lost after that sixty (60) day period; provided, that we can prove that we could have stopped the loss if you had told us in time.

If we determine that a good reason (such as a long trip or a long hospital stay) kept you from notifying us, we may, at our sole discretion, extend the above time periods.

Address and Telephone Numbers. If you believe that any unauthorized access of your account has occurred, that your Password has been stolen, or that someone has transferred or may transfer money from your account by accessing your account without your permission, contact us immediately, 24 hours a day at: 1-828-298-8521 or if outside the Asheville calling area, 1-866-243-9980, or write to:

Oteen VA FCU
1100 Tunnel Road
Asheville, NC 28805

BUSINESS DAYS
Oteen business days are Monday through Friday, excluding Federal holidays.

DOCUMENTATION OF TRANSACTIONS
Periodic Statements. You will get a monthly share savings and share checking account statement for each month in which you initiate an electronic transaction by using an Automatic Teller, a debit at the point of sale, an audio response transaction, or Online Account Access. You will get a share savings account statement at least quarterly. Additionally, through Online Account Access, you can view all of your share savings and share checking account transaction activity.

TRANSACTION FEES
Oteen does not charge for transfers initiated via Oteen Online Account Access or for viewing your account information via the Internet. Fees will be assessed for the Web Bill Pay Service as provided in the Web Bill Pay Service Agreement. Oteen reserves the right to charge for Online Account Access. You will be given at least 21 days advance notice before Oteen implements any changes to fees or adds any new fees for Online Account Access.

LIABILITY FOR FAILURE TO MAKE TRANSFERS
If Oteen does not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you, Oteen may be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance, in the following circumstances:

• If, through no fault of Oteen, the account from which you request a transfer has insufficient funds or you do not have the available credit in your Oteen Overdraft Account to complete the transfer;

• If the funds in your account cannot be transferred as a result of your account being subject to legal process, such as, but not limited to, garnishment or attachment, if the account is subject to a pledge or security agreement, or if there has been a hold placed on the deposited funds; or

• If, despite reasonable precautions taken by Oteen, the funds cannot be transferred as a result of circumstances beyond our control, such as, but not limited to, fire, flood, power failure, or failure of the paying agency to deliver direct deposit payment data.

ACCOUNT INFORMATION DISCLOSURE
We will only disclose information to third parties about your account or about transactions you make under the following circumstances:

• If we return check(s) in your account drawn on insufficient funds or an electronic transfer cannot be completed because of insufficient funds.
• When it is necessary to complete a transfer.
• In order to verify existence or conditions of your account for a third party, such as a credit bureau or merchant.
• In order to comply with government agencies or court orders.
• If you give us your written permission.
• In accordance with our privacy policy.

Oteen VA FCU
1100 Tunnel Road
Asheville, NC 28805

You must report errors or problems regarding your account within sixty (60) days after the mailing of the first statement which contained the problem or error. When you report an error or problem regarding your account, you should provide the following information:

• Your name and Account number;
• A description of the error or problem and the reason why you think an error or problem occurred;
• The dollar amount of the suspected error or problem.

If you orally report an error or problem regarding your account, we may require you to send your complaint or question to us in writing within ten (10) business days. Upon receipt of the written complaint or question, we will conduct an investigation and notify you of the results within ten (10) business days (twenty business days for new accounts) and will make any necessary adjustments to your account based on the results of our investigation. If it is determined, in our sole discretion, that more time is required to investigate and respond to your problem or question, we may take up to 45 days to complete our investigation. In the event that such additional time is required, we will provisionally credit your account within ten (10) business days (twenty business days for new accounts) for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. A provisional credit is a temporary credit adjustment to your account for the time period required to complete our investigation. If we ask you to report your complaint or question in writing, and we do not receive the writing within ten (10) days, we may remove the provisional credit from your account without further notice. Please note that contacting us by telephone will NOT preserve your rights.

If we determine that there was no error, we will send you a written explanation within three (3) business days after we complete our investigation, and any provisional credit to your account will be reversed. If there are not sufficient funds in your account to cover the amount of the provisional credit, the account will be overdrawn and you will be responsible for immediate payment. You may request copies of the documents that we used in our investigation.

Important Information about Becoming an Authorized User. To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, including joint owners. When you open an account or become an authorized user, we will require you to provide your name, address, date of birth, and other information that will allow us to identify you.