ONLINE BANKING USER AGREEMENT
Below are the terms for Union Building Trades Online Banking service.

These are the Terms and Conditions of Internet Banking Services (herein referred to as Online Banking) for the Personal Account Holders of Union Building Trades FCU (referred to as "UBTFCU" or "the Credit Union").

This Agreement governs the use of Online Banking for Union Building Trades located in Parsippany, NJ. By subscribing to Online Banking or using Online Banking to access account information, or to make any transfer between accounts or payment to a third party, you agree to the terms of this Agreement. We encourage you to print a copy of this Agreement and to keep a copy of this Agreement for your records. The words “we”, “us”, “our” and “Credit Union” refer to the UBTFCU which holds the accounts accessed by Online Banking. The words ”you” and “your” refer to each person subscribing to Online Banking, and each person who uses Online Banking, provided hereunder, with the permission of the subscriber.
We, in our sole discretion, may amend this Agreement at any time. For example, we may add, delete or amend terms or services or we may add or change fees. Notice of a change may be provided to you by mail or electronically. Your continued use of the service following receipt of the Agreement or notice of a change is considered acceptance of the Agreement or change.

Computer Equipment

You are solely responsible for the maintenance, installation and operation of your computer, and
for the hardware and software used in accessing Online Banking. The Credit Union shall not be responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software, nor will the Credit Union be responsible for any computer virus that
affects your computer or the software while using Online Banking. Any undetected virus or virus that is not removed from your computer may corrupt and destroy your programs, files and even your hardware.
Additionally, you must have an Internet Service Provider and a 128-bit compliant browser to utilize Online Banking. It will be your responsibility to establish these. Any costs or fees to obtain these services or software are solely your responsibility.

Security

Union Building Trades is committed to protecting the security and confidentiality of your
account information. We use several different methods to protect your account information:
You can only access Online Banking with a browser that uses 128-bit encryption
You must have a valid User ID and Password to log in
For your protection, we may temporarily suspend access to Online Banking for any reason, including inactivity.
If no action is taken for a period of time, you will be automatically logged off Online Banking
We display your previous log in date each time you access Online Banking for you to review

You agree to the following:

Never leave your computer unattended while using Online Banking
Never leave your account information displayed where it may be viewed by others
Always exit the system when finished
These security procedures are not implemented for the purpose of detecting errors in your instructions. You agree that these procedures constitute a commercially reasonable method of providing security against unauthorized instructions. You agree to be bound by any instruction issued by you, and received and verified by the Credit Union in accordance with such security procedure. In addition, you shall indemnify and hold the Credit Union harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and in compliance with such security procedures.

Account Requirements

To register for Online Banking, you must maintain at least one of the following types of account
at the Credit Union: Checking, Savings, Money Market, Certificate of Deposit (CD), Individual
Retirement Account (IRA), or eligible loan (a loan other than a first mortgage loan).

Account Ownership

Any person with ownership rights to an account, including but not limited to joint ownership,
may register and use any or all features of Online Banking. Online Banking transactions performed by an owner of the account will be considered authorized transactions and except as provided in this Agreement, the Credit Union will not be liable to you for any such transactions.

User Identification (ID) and Password

Your User ID and Password identify and authenticate you to the Credit Union when you use the
CreditUnion’s Online Banking service. You will be required to establish a User Identification (ID) and Password during your first online session through our online registration process. You will only be able to obtain a User Identification (ID) if you have an existing account with the credit union, which meets the account requirements above. By establishing a User ID and Password you agree to:

a)

Not disclose your User ID and Password or otherwise make it available to anyone else, including other joint owners on the account

b)

Be liable for your User ID and Password and for its authorized and unauthorized use as

described in this Agreement

c)

Notify Customer Service at, 1-800-848-2438 immediately of any loss or theft of your User ID

and Password

You acknowledge that we are entitled to rely on the use of your User ID and Password as your authorization for any transaction through Online Banking. You are responsible for all transactions you initiate or authorize using Online Banking. If you permit any other person to use your Online Banking User ID and Password, you will have authorized that person to access your accounts, and you are responsible for any transaction that person initiates or authorizes from
your accounts. If you suspect unauthorized use of your User ID and Password, please follow the procedures outlined in the "Unauthorized Use of Your User ID and Password" section of this document.

Online Banking Services

Within 2 business days after you successfully register for Online Banking, you will have access
to your eligible accounts, which include Checking, Savings, Money Market, CD, IRA and loans other than first mortgage loans. For these eligible accounts, you will be able to:
View balance information
View transaction history (except on CDs and IRAs)
Search for transactions that have occurred up to 12 months subsequent to the date of registration
View images of the front and back of your cleared checks
Send us secure e-mail messages regarding your account or Online Banking
Receive e-mail and wireless notifications when your balance reaches target amounts, a transaction fails or you receive a secure mail message from the system.
Import certain account information into Intuit Quicken®, or CSV
Conduct transfers between your Checking, Savings, Money Market and to eligible Loan accounts
If you also choose to register for the Bill Pay service, you will be able to issue a bill payment to a third party from your Checking account.
We reserve, in our sole discretion, the right to change or limit the types of accounts or services available through Online Banking.

System Availability

You may access your account information through Online Banking 24 hours a day, seven days a
week, except for interruptions due to maintenance or matters beyond the Credit Union’s control.

Daily Processing Deadlines

The Credit Union’s business days are Monday through Friday. Saturday, Sunday and Federal
holidays are not considered business days. Online Banking transactions, such as funds transfers, will be reflected in your transaction history immediately. Withdrawal transactions that have occurred after 4:30 p.m. EST on Friday or Saturday or Sunday will not be processed until the following business day. All banking rules and regulations outlined in your Account Agreement apply to Online Banking.

Transfers

You may transfer funds between your Savings, Checking, Club Accts and Money Market
accounts and to an eligible loan using Online Banking. You will be able to transfer funds immediately (such transfers are effective when you complete the transfer online), schedule a future dated transfer and establish a recurring transfer. Future dated transfers will generally be completed by 6:00 p.m. (EST) on the scheduled date. The available balance in the account from
which the withdrawal for the transfer will be made (FROM account) and the available balance in the account to which the transfer will be credited (TO account) will be updated as soon as the transfer is complete. If the transfer is made to a Loan account, the principal balance will be updated the next business day. Transfers made to a Loan account in order to payoff the loan will update the principal balance the second business day after the transfer is completed. The maximum dollar limit on any transfer is equal to the available balance in your account from which the transfer is being made (FROM account), including the available balance in an overdraft protection account associated with the account, on the day the transfer is completed.
To receive an e-mail that a transfer has failed, a Failed Transfer Notification must be set up in Online Banking. In the event your e-mail address changes, please update the Notification feature in Online Banking accordingly. The Credit Union will not be responsible for notifying you if you do not set up a Failed Transfer Notification or if an e-mail notification fails because your address has changed or because you have deleted the Failed Transfer Notification.

Restrictions on Transfers from Savings and Money Market Accounts

Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or
transfers into a savings or money market account; however, you may make no more than six transfers or withdrawals out of such an account per monthly statement cycle (not counting transactions made at ATMs or in person at banking locations). Transfers made by telephone, personal computer (or similar access device) or funds automatically transferred from a savings or money market account to another deposit account are counted toward the six total permitted monthly transfers or withdrawals. If your transactions exceed the limit, we will charge you a fee set forth on the Fee Schedule for each transaction over the disclosed limit. The amounts of fees, where applicable, are contained in the Schedule of Fees for your account.

Fees/Charges

Many of the features of Online Banking are provided free of charge. Some features may be used
for a fee. Fee’s will be disclosed in our fee schedule found our website
Fees are subject to change from time to time at the Credit Unions discretion. Refer to the Fee
Schedule for your account for a complete listing of fees.

Electronic Mail (e-mail)

Although you may currently have e-mail capabilities, it is important to remember that normal
Internet e-mail transmissions may not be secure. You agree to contact us electronically only through the Secure Messaging feature in Online Banking if your correspondence contains confidential information, such as an account number or social security number. You also agree to receive communications regarding your account electronically and will not attempt to
circumvent receiving any messages. It is your responsibility to notify us immediately if your e- mail address changes. You are deemed to have received any electronic messages at the time we send them to you.
In addition, we may not immediately receive e-mail that you send. We will have a reasonable opportunity to act before taking action on your e-mail requests. You cannot use e-mail for the
following purposes:
To report unauthorized use of User ID and Password (see Unauthorized Use of User ID and
Password)
To report an unauthorized transaction
You must contact us by secure message, phone or in writing to report the above. Our contact information is listed below:
Union Building Trades FCU PO Box 6270
Parsippany, NJ 07054
Phone: 1-800-848-2438

Periodic Statements

The Credit Union will mail or deliver to you a quarterly or monthly account statement for your
account(s). The Credit Union will include any transfers you authorize through Online Banking on your statement. You should promptly notify the Credit Union of any discrepancies, including but not limited to, any errors or inaccuracies related to data transmitted by any online service. If you do not notify us of any errors within a reasonable period of time (not to exceed 60 days), after we send or make available to you your statement and/or items, you cannot assert the unauthorized signature or alteration against us even if we are unable to show a loss due to your failure. Also, you cannot assert any unauthorized signatures or alterations by the same
wrongdoer on items paid by us after the reasonable time mentioned above elapses and before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying an item with an unauthorized signature or alteration. However, if you do not notify us of the problem within 60 days of when we send or make available to you the statement and/or items,
you absolutely forfeit any right(s) to assert a claim against us. You must report any other account problem (e.g., erroneous statement or passbook entry, missing signature, unauthorized endorsement, etc.) within a 60-day period or lose your right to assert claim against us.
You may also be assessed a fee for certain transactions. Refer to the Credit Union’s Fee Schedule for specific fee information. Fees may be deducted from your account without prior notice to you. Fees are subject to change from time to time at the Bank’s discretion.

Disclosure of Information to Third Parties

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

1)

Where it is necessary to complete authorized transfers.

2)

In order to verify the existence and condition 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.

4)

If you give us your written permission.

Unauthorized Use of Your User ID and Password

You must tell us AT ONCE if your ID or Password has been lost or stolen. Telephoning is the
best way of minimizing possible losses. Failure to notify the Credit Union could result in the loss of all the money in your account plus your maximum line of credit, if you have one. If you tell us within two (2) business days, you can lose no more than $50 if your Password is used without your permission. If you do NOT tell us within two (2) business days after learning of the loss or theft of your password, and we can prove we could have stopped someone from using the password without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows electronic transfers you did not make, tell us at once. If you do not tell us within 60 calendar days after the statement was mailed, you may not get back any money you lost after the 60 calendar days if we can prove that we could have stopped someone from taking the money, if you had told us at once.

Telephone Numbers and Address to Reach Us

If you believe your User ID or Password has been lost or stolen or that someone has transferred
or may transfer money from your account without your permission, telephone us at 1-800-848-
2438
Union Building Trades FCU PO Box 6270.
Parsippany NJ 07054
If you have a question regarding a transaction or would like to have more information about a transfer listed on a statement or receipt, contact us at 1-800-848-2438.

Error Resolution

It is your responsibility to promptly report unauthorized transfers or errors. If you think an
unauthorized transfer or error has been processed against your account, telephone your local
Union Building Trades FCU office during regular office hours at 1-800-848-2438 or write us at:
Union Building Trades FCU PO Box 6270
Parsippany NJ 07054
We must hear from you within sixty (60) days after we send you the FIRST statement on which the problem or error appeared. You must give use the following information for the proper notice of a question or error.

1.

Tell us your name and account number. (Do not tell us your password.)

2.

Describe the error or the transfer you are unsure about, and explain as clearly as possible 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 tell you the results of our investigation within 10 business days
(20 business days if the error involves an electronic fund transfer to or from the account within
30 days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made or involved a point-of-sale transaction, or a transaction was made at an ATM located outside of the United States) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer occurred 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 question in writing and we do not receive it within 10 business days, we may not 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 within three business days after we finish our investigation and debit your account for the amount provisionally credited. You may ask for copies of the documents that we used in our investigation.

Notices and Changes to Agreement

We may, in our sole discretion, change Online Banking services and the terms, including fees,
set forth in this Agreement at any time. You will be notified of any such change as required by applicable law, either by mail or by an electronic message. You understand that by your continued use of the Online Banking service after a change becomes effective, you have agreed to the change.

Governing Law

This Agreement shall be governed by the laws of the state in which the office of the Credit
Union which maintains your account is located and, where applicable, by federal law. Any issue relating to an account or service with the Credit Union shall be governed by the law(s) specified in the agreement for that account or service if there is a separate agreement for that account or service.

Related Agreements

State and federal law, including the Uniform Commercial Code, and regulations of the Federal
Reserve System, other regulatory agencies and clearinghouse associations, regulate much of our relationship with you. These laws and regulations, as well as the terms of the Agreement may change from time to time without notice to you unless law requires notice. The Electronic Funds Transfer Act governs some of the transactions permitted under this Agreement, and some terms and conditions included in the Agreement are required by this Act. In addition, certain agreements and documents govern the accounts you access through Online Banking, as they are amended from time to time, including, but not limited to the following:
Deposit Account Agreement
Fee Schedule

Credit Union’s Responsibility

The Credit Union’s shall be responsible for performing services expressly provided for in this
Agreement and shall not be liable for any error or delay so long as the Credit Union has acted in accordance with the terms and conditions hereof. The Credit Union shall not be liable if you do not have sufficient funds in a designated account to complete the transaction you initiate or if the account is closed.
The Credit Union shall not be liable if you have not given us complete, correct or current transfer or payment instructions, or if you have not followed proper instructions given through Online Banking or software used. The Credit Union shall not be responsible for any loss, damage, liability or claim arising, directly or indirectly, from any error, delay or failure in performance of any of its obligations hereunder which is caused by fire or other natural disaster, strike, civil unrest, any inoperability of communications facilities or any other circumstance beyond the control of the Credit Union.

New Services

We, in our sole discretion, may add or change services or features of the Online Banking service.
We will update this Agreement to notify you of these new services. If you continue to use Online
Banking, you agree to be bound by the terms contained in the revised Agreement.

Termination of Agreement

This agreement will remain in effect until you or the Credit Union terminates it. We may cancel
this agreement and terminate your use of Online Banking for any reason, at any time. Both parties agree to provide sufficient notice of termination to the other party.

Cancellation of Online Banking Service

To cancel your Online Banking Service send us a secure mail message or written notification,
with your signature, to:
Union Building Trades FCU PO Box 6270.
Parsippany NJ 07054
Once we receive your written cancellation request, we will cancel your Online Banking service within five business days.