Online Banking and Online Bill Payment Agreement and Disclosure Statement Rev. July 21, 2010

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1 Online Banking and Online Bill Payment Agreement and Disclosure Statement Rev. July 21, 2010 This agreement states the terms and conditions that apply when you use our online banking and bill payment services. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. Designating Merchants You must designate participating merchants that you want to pay. If a merchant cannot be verified electronically, a paper check may be sent for your first payment, which could take up to 5 business days. You are not permitted to designate any governmental agency or court. You are also not permitted to make payments to any Genisys Credit Union account. These types of payments can be made by using the "Transfers" option in Online Banking. We have the right to refuse to allow you to designate any particular merchant or class of merchants. You will have to give us any account numbers or other identifying information that we, or a merchant, need so that your payments can be properly credited. If any account numbers or other information changes, it is your responsibility to update the information before making payments. After 90 days of inactivity, you will automatically be deleted from the Online Bill Payment service. Exception to Payment Guarantee Tax payments and court ordered payments and/or payments to any governmental agency or court may be scheduled however, such payments are discouraged and must be scheduled at your own risk. In no event shall Genisys Credit Union or its bill pay partner be liable for any claims or damages resulting from the scheduling of these types of payments. The Payment Guarantee as it applies to any late payment related charges is void when these types of payments are scheduled and/or processed. Neither Genisys Credit Union nor its bill pay partner have any obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, misposted or misdirected payments will be the sole responsibility of you and not the credit union or bill pay provider. Types of Online Bill Payment and Online Banking Transactions You, or someone you have authorized by giving them your Online Banking Password and Multi-factor Authentication Information, can instruct us to perform the following transactions: 1. Make individual payments or preauthorized recurring payments from your checking account to merchants you have designated in accordance with this agreement. 2. Transfer funds between qualifying accounts.

2 3. Obtain information that we make available about qualifying accounts. 4. Obtain other services or perform other transactions that we allow. To access Online Bill Pay or Online Banking, you must use your member number, Online Banking password, and Multi-factor Authentication Information that you select. KEEP YOUR MEMBER NUMBER, ONLINE BANKING PASSWORD, AND MULTI- FACTOR AUTHENTICATION INFORMATION CONFIDENTIAL TO PREVENT UNAUTHORIZED USE AND LOSS TO YOUR ACCOUNTS. The Online Banking password is provided through the mail to the primary member only on the account. Anyone to whom the primary member gives the account number, Online Banking password, and Multi-factor Authentication Information will have full access to all authorized accounts of the primary owner, even if the primary member s intention is to limit that person s authority. Limits on Online Bill Payment and Online Banking Transactions You must have enough money or credit in any account from which you instruct us to make a payment or transfer. For security reasons, we may limit the number or amount of transactions you can make using our Online Bill Payment Service. Payments may not be made for more than $25, each. Transfers from S2, S3, S7, Holiday Savings and Money Market deposit accounts to another account or to third parties by pre-authorized, automatic, telephone or online banking transfers are limited to six per month. When Online Bill Payments are Made Payments must be initiated by the member with adequate time for the payment to be made by the merchant due date. Due date is the actual due date, and NOT the grace period date. When setting up Online Bill Pay, make sure the delivery date is on or before the bill's actual due date. Standard delivery bill payments are not final at the time we receive your instruction, but we will begin to process them promptly. You should allow at least 5 business days for merchants to receive your payments. We will send them electronically, by mail or by some other means. Each payment or transfer you initiate on a non-business day will be considered initiated on the following business day. Expedited same-day payments are final once you click submit. Your checking account will be debited for the amount of your payment plus the expedited payment fee combined. Information that you obtain about your accounts using online bill payment or online banking may not reflect transactions that have not yet been posted to your account. You should keep that in mind when you perform or attempt to perform any transactions on the basis of such information.

3 Overdraft Transfer If you have Overdraft Transfer Protection and the money is not in your checking account, it will overdraft from either your savings account or your overdraft line of credit loan (Kwik Draw). If you have Courtesy Pay, your account will be overdrafted using Courtesy Pay which will result in a $28.00 Courtesy Pay fee. NSF Fees Please make sure the funds are in your account before the scheduled withdrawal date. If the funds are not available on the withdrawal date, a non-sufficient funds fee (NSF) of $28.00 may be charged to your account. Business Days Our Online Bill Pay and Online Banking services are generally available 24 hours a day, 7 days a week. However, we only process Online Bill Pay transactions and update information on business days. Our business days are Monday through Friday, except holidays. Fees- Online Bill Payment Service Only Online Bill Payment is free if you participate in Free E-Statement. If you do not participate in Free E-Statement, there is a $3.95 per month fee, which includes an unlimited number of online bill payments per month. These fees will be charged to your checking account on the last day of the month. Stop Payments If you want to stop or change individual payments or preauthorized recurring payments you have instructed us to make, you must notify us before we have started processing the transaction. The normal way for you to do this is for you to access the appropriate function in our bill payment service before 11:59 pm on the day before the business day the payment is scheduled to be withdrawn from your account, and either delete it or make the change. (Note: In Online Bill Pay, the date you indicate as the send on date is the date the bill will be withdrawn from your account and is NOT the date the merchant will receive your payment). You may also call us at (248) or write us at P.O. Box Pontiac, MI in time for us to receive your request three business days or more before the payment is scheduled to be withdrawn from your account. If you call, we will also require you to put your request in writing and get it to us within 14 days after you call. We will charge you $28.00 for each stop payment order you give. If you order us to stop a preauthorized recurring payment 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.

4 Expedited payments are not eligible for stop payments. Once the payment is submitted, processing begins immediately for expedited payments. Check Copies If you request to obtain a copy of a check used to pay one of your bills, you will be charged a $20.00 fee for each item ordered. Liability For Failure To Make Payments or Transfers 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: 1. If through no fault of ours, you do not have enough available in your account to make the transfer. 2. If any payment or transfer would go over the credit limit of any account. 3. If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted the transaction. 4. If you have not given us a complete, correct, or current account number or other identifying information so that we, or a merchant, or other institution can properly credit your account or otherwise complete the transaction. 5. If the merchant or other institution does not process your payment correctly or in a timely manner. 6. If the money in your account becomes subject to a court order, legal process, or other claim restricting the transaction. 7. If circumstances beyond our control (such as fire, flood, power outage etc.) prevent the transfer, despite reasonable precautions that we have taken. Privacy of Account We will disclose information to third parties about your account or the transfer you make: 1. Where it is necessary for completing transfers or 2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or 3. In order to comply with government agency or court order or 4. To verify information regarding improper or unauthorized use of your account or 5. If you give us your written permission or 6. Where otherwise provided by law. Liability Disclosure: You are liable for all transactions that you make and you are liable for all transactions that someone you authorize makes, even if the person you authorize exceeds your authority. If you have given someone your member account number, Online Banking

5 password, and Multi-factor Authentication Information and you want to terminate that person's authority, you must notify us that transactions by such a person are no longer authorized. We may have to change your customer identification number or Online Banking password or take additional steps to prevent further access by such person. We recommend that you do not give your account number and home banking password to an account aggregation service that Genisys does not have a formal Service Agreement with. Unauthorized Transfers Tell us AT ONCE if you believe your member account number, Personal Identification Number (PIN), or Multi-factor Authentication Information has been lost or stolen. Telephoning is the best way to keep your possible losses down. You could lose all the money in your account, plus your maximum overdraft line-of-credit. If you tell us within 2 business days, you can lose not more than $50.00 if someone used your personal identification number without your permission. If you do NOT tell us within 2 business days after you learn of the theft or loss of your Member Account Number, Personal Identification Number (PIN), or Multi-factor Authentication Information and we can prove we could have stopped someone from using your Online Banking password without your permission if you had told us, you could lose as much as $ Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get any money back 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. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. Lost Personal Identification Number Notification If you believe that your PIN has been lost or stolen, or that someone has transferred or may transfer money from your accounts without your permission, you agree to immediately call or write the Member Services Department at (248) , P.O. Box , Pontiac MI Periodic Statements Your Online Bill Payments will be indicated on the monthly statement we send to you. We may also provide your statement information electronically. Foreign Country Transactions

6 Residents living in a foreign country may not use the Online Bill Payment service. No payments may be made to merchants in foreign countries. Error Resolution In case of errors or questions about your electronic transfers please contact: Within Online Banking: Genisys Credit Union Operations Department P.O. Box Pontiac, MI Within Bill Pay: ORCC Or call (248) 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. 2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you need more information. 3. Tell us the dollar amount of the suspected error. If you tell us orally, we 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 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 re-credit your account within 10 business 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. Since we ask you to put your complaint in writing, if we do not receive written confirmation of your oral notice within 10 business days, we will not re-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 ask for copies of the documents that we used in our investigation. Regulatory Authority These disclosures are required by state and federal laws governing electronic funds transfers. If you have a question about your rights under these laws or you believe that your legal rights have been violated, you may contact the following agency:

7 State of Michigan Department of Labor & Economic Growth Office of Financial and Insurance Regulations P.O.Box Lansing, MI The disclosures in this section are provided in compliance with federal and state law. For all products offered under Money HQ please see additional Genisys Credit Union Money HQ Terms and Conditions. Terms and Conditions can be viewed in Money HQ under Help.

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