Register-Guard Federal Credit Union
Home Banking
ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT

This Agreement establishes the rules that cover your electronic access to your account(s) at Register-Guard Federal Credit Union (“Credit Union”) through Home Banking Online Account Access. This Agreement is the contract that covers you and our rights and responsibilities concerning our Home Banking Online Account Access offered to you by the Register-Guard Federal Credit Union. You will be bound by this Agreement when you enroll in Home Banking. You also accept all the terms and conditions of this Agreement by using the Home Banking Online Account Access. Please read it carefully and retain for your records.

To qualify for access to Home Banking, you must be a Credit Union member in good standing. Home Banking may not be accessible to Business and Organizational accounts. Other conditions may apply.

ENROLLING FOR Home Banking

• The member Account Number, Social Security Number and Address Number are required for initial enrollment to Home Banking Online Account Access.
• Members will need their Call 24 Pin Number.
• Users will create a personalized Logon ID and Security Code.
• Logon IDs can be between 6 and 50 alpha numeric characters.
• Security Codes must have a minimum of 8 alpha-numeric characters. A minimum of 2 numeric and 2 alpha characters is required.
• You accept responsibility for periodically changing your Logon ID and protecting the integrity of the Logon ID to protect unauthorized transactions and account access. Granting access to your account via Home Banking non-owner will make you financially liable for all losses or misuse of your account(s).
• You will need to ensure that your web browser will support this service. You are responsible for the installation, maintenance and operation of your computer and modem. The Credit Union will not be responsible for any errors or failures involving any telephone service, Internet Service Provider (ISP), your software installation, or your computer. You are responsible for set-up and maintenance of your home computer and modem, which supports the encryption requirements of our home banking system.
1. Home Banking
   Reach Home Banking at http://registerguardfcu.org/ You can use Home Banking 7 days a week, 24 hours a day, 365 days a year, although some or all of the Home Banking services may not be available occasionally due to emergency or scheduled system maintenance. The use of your Logon ID is required to access Home Banking. You can perform the following transactions on all account(s) to which you are authorized and have been given access to:
   1. Obtain balances and other account information on share/savings and draft/checking accounts in addition to loans.
   2. Make transfers between share/savings, draft/checking, money market and loan accounts, including loan payments.
   3. Transfer advances from your Personal Line of Credit and Overdraft Line Of Credit loan to share accounts.
   4. Review 200 days of share/savings history, 90 days of draft/checking history, 18 months of certificate history, 18 months of open end loan history, and closed end loan history for the life of the loan.
   5. Review information on you loan account including payoff amounts, due dates, finance charges, interest rate, and balance information.
   6. Review account balance, transaction history, check clearings, direct deposit and tax information for any of your accounts.
   7. Make transfers from your share accounts to other share accounts that you share an association.
   8. View check copies and re-order checks.
   9. Enroll in additional services such as eStatements, eAlerts and Bill Pay options.
   10. Download account information into money manager accounts.
   11. Communicate with the RGFCU using the secure email feature.

2. LIMITATIONS ON TRANSFERS
   Federal regulations limit transfers for share/savings accounts and money market accounts, if applicable. During any statement 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 pre-authorized or automatic transfer. This includes transfers by phone, fax, wire and cable, audio response, overdraft transfers to checking and Internet instruction. A pre-authorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse (ACH). If you exceed the transfer limitations set forth above in any statement period, the transfer may not be completed, your regular share account and draft account may be subject to a fee, account closure, or suspension or we may revoke your access to Home Banking. We will not be required to complete a withdrawal or transfer from your account(s) if you do not have enough money in the designated account(s) to cover the transaction. However, we may complete the transaction. You agree not to use Home Banking to initiate a transaction that would cause the balance in your designated account(s) to go below zero. If you have Overdraft Line-Of-Credit, you agree not to use Home Banking to initiate a transaction that would cause the outstanding balance of your Line-of-Credit to go above your credit limit. We will not be required to complete such a transaction, but if we do, you agree to pay us the excess amount or improperly withdrawn amount or transferred amount immediately upon our request. We also will refuse to complete your Home Banking transactions if we have canceled your Home Banking access, or we cannot complete the transaction for security reasons.

   The functions and limitations of Home Banking may be updated, without notice, at the option of the Credit Union in order to provide improved service to the membership.

3. E-MAIL
   You may use the e-mail to send messages to us. E-mail may be used to initiate a transfer on your account, place check re-orders on an RGFCU account or to initiate a stop payment request on a check written on your RGFCU account. The Credit Union may not immediately receive e-mail that you send and the Credit Union will not take action based on e-mail requests until the Credit Union actually recieves your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at the telephone number set forth in Section 6.

4. SECURITY OF ACCESS CODE.
   The Personal User Id, Password, Secure Image, Phrase And Challenge Questions "Access Codes" are for security purposes. The Access Codes are confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping all of your security features and codes. You agree not to disclose or otherwise make your Access Codes available to anyone not authorized to sign on your accounts. If you authorize anyone to have or use your Access Codes, you understand that person may use Home Banking Online Account Access to review all of your account information and make account transactions. Therefore, we are entitled to act on transaction instructions recived using your Access Codes and you agree that the use of your Access Codes will have the same effect as your signature authorizing transactions.

   If you authorize anyone to use your Access Codes in any manner, that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your Access Codes immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your Access Codes are changed. If you fail to maintain or change the security of these Access Codes and the Credit Union suffers a loss, we may terminate your Home Banking Online Account Access immediately.

5. FEES FOR HOME BANKING ONLINE ACCOUNT ACCESS.
   Currently there is no monthly service fee for using Home Banking Online Account Access; however, we may implement a fee as required by applicable federal and/or state regulations and in such case, we will notify you as soon as practicable. If at that time, you choose to discontinue using Home Banking Online Account Access, you must notify us in writing.

6. ACCOUNT STATEMENTS
   Your periodic statement will identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions.

7. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
   In case of errors or questions about electronic transfers, telephone us at the number below, E-mail us at info@registerguardfcu.org or send us a written notice to the address below as soon as possible. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.
      541-988-9059
      Attention: Home Banking Online Account Access
      850 Beltline Road
      Springfield, OR 97477
   1. Tell us your name and member number.
   2. Describe the error or the electronic transaction 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. c) 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 notify you with the results of our investigation within 10 business days (20 business days if your complaint or question involves a transaction to or from an account within 30 days after the first deposit to the account was made) after we hear from you. We will correct any error promptly. If we need more time, we may take up to 45 days (90 days if your complaint or question involves a transaction to or from an account within 30 days after the first deposit to the account was made) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 days if the complaint or error involves a transaction to or from an account within 30 days after the first deposit to the account was made) 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 questions in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may request copies of the documents we used in our investigation.

8. LIABILITY FOR UNAUTHORIZED TRANSACTIONS
   You will be liable for unauthorized access to accounts via Home Banking to the extent allowed by applicable federal and state law. Tell us AT ONCE if you believe your Member number, or Logon ID, or any record thereof, has been lost or stolen, or if any of your accounts have been accessed without your authority. You may telephone us at 541-988-9059, E-mail us at info@registerguard, or mail to Register-Guard Federal Credit Union, Attention: Home Banking, 850 Beltline Road, Springfield, OR 97477. Telephoning is the best way of minimizing your liability. You could lose all the money in your accounts, plus your maximum overdraft line-of-credit. If you tell us within two (2) business days of the loss, theft, or unauthorized access, you can lose no more than $50 if someone accessed your account without your permission. If you do NOT tell us within two (2) business days after you learn of the loss, theft or unauthorized access, and we can prove we could have stopped someone from accessing your account without permission if you had told us, you could lose as much as $500.

   Further, if your statement shows transfers that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not receive 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 notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

9. LIMITATION OF LIABILITY FOR TRANSACTIONS.
   If we fail to complete a transfer to or from your designated account(s) on time, in the correct amount, and we have agreed to perform it, with certain exceptions, we will be liable for your losses or damages. Section 3 of this agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:
   • If we have terminated this Agreement.
   • If through no fault of ours, you do not have enough money in your account(s) to make the transfer.
   • A legal order directs us to prohibit withdrawals from the account(s).
   • The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.
   • If circumstances beyond our control (such as fire or flood) prevent the transaction from being completed despite reasonable precautions that we have taken.
   • You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and we have as a result refused to honor the original Password.
   • If your account is closed, frozen, or funds are uncollected.
   • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
   • If the transfer would cause your balance to become negative or exceed the credit limit of an established line of credit loan.
   • If any part of Home Banking is not working properly and you knew about the problem when you started the transactions.
   • There may be other exceptions as provided by applicable law.

10. TRANSACTIONS THAT ARE NOT COMPLETED
    You authorize us to obtain any information deemed necessary to process your request for access to Home Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:
    1. Where it is necessary for completing or documenting transactions or resolving errors involving transactions.
    2. In order to verify the existence and condition of your designated account(s).
    3. In order to comply with orders or subpoenas of government agencies or courts.
    4. If you give us written permission.

11. OUR BUSINESS DAYS
    Our business days are Monday through Friday, other than legal banking holidays and the Friday after Thanksgiving.
12. PRE-AUTHORIZED PAYMENTS
    You may not use Home Banking to enter into pre-authorized payment arrangements.
13. EVIDENCE.
    If we go to court for any reason, we can use a copy, microfilm, microfiche, or photograph of any document or person to prove what you owe or that a transaction has taken place and the copy, microfilm, microfiche, or photograph will have the same validity as the original.
14. TERMINATING THIS AGREEMENT
    You can terminate this Agreement at any time by notifying us in writing and by discontinuing the use of your Logon ID. We can also terminate this Agreement and revoke access to Home Banking at any time. Whether you terminate the Agreement or we do, the termination will not affect your obligations under this Agreement, even if we allow any transaction to be completed with your Logon ID after this Agreement has been terminated.
15. CHANGING THIS AGREEMENT
    We may change any term of the Agreement at any time. We will notify you of such change in such manner as you have agreed or as required by law. Your continued use of any or all of the subject system services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges or fees in individual situations. You acknowledge and agree that the applicable deposit agreements and disclosures govern changes to fees applicable to specific accounts.
16. NOTICES
    All notices from us will be effective when we have mailed them or delivered them to the last known address in the Credit Union’s records. Notices from you will generally be effective once we receive them at Register-Guard Federal Credit Union, Attention: Home Banking, 850 Beltline Road, Springfield, OR 97477. Notices under Section 6 will be effective once you have done whatever is reasonably necessary to give us the information we need—such as by telephoning us.
17. COLLECTION EXPENSE
    If we ever have to file a lawsuit to collect what you owe us, you will pay our reasonable expenses, including attorney’s fees.
18. GOVERNING LAW
    This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, and the laws and regulations of the Commonwealth of Kentucky. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.
19. ELECTRONIC SIGNATURE.
    You consent and agree that your use of a key pad, mouse, or other device to select an item, button, icon or similar act/action while using any electronic service we offer; or in accessing or making any transactions regarding any agreement, acknowledgement, consent, terms, disclosures or conditions constitutes your signature, acceptance and agreements as if actually signed by you in writing. Further, you agree that no certification authority or third party verification is necessary to the validity of your electronic signature; and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract between you and the Credit Union.
20. ENFORCEMENT.
    We reserve the right to assign our rights and delegate our duties under this Agreement to a company affiliated with us or any other company.
21. ASSIGNMENT.
    You agree to be liable to the Credit Union for any liability or loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable.

    This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable laws for the State of Oregon, and the Bylaws of the Register-Guard Federal Credit Union as they now exist or may be hereafter amended as applied to contracts entered into solely between residents of, and to be performed entirely in, such State. In the event either party brings legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Oregon law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgement collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement.