UICCU Online Banking Customer Agreement

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1 UICCU Online Banking Custmer Agreement I. Intrductin II. Accessing Yur UICCU Accunts Thrugh Online Banking III. Web Site Terms and Cnditins IV. Online Banking/Bill Paying Terms and Cnditins a. General Online Banking Terms and Cnditins fr All Custmers b. Online Banking Terms fr Accessing Persnal Accunts c. Online Banking Service d. Online Bill Paying Service I. Intrductin 1. This Agreement, fr accessing yur UICCU accunts thrugh ur Online Banking service, alng with ur General Schedule f Fees r, fr business accunts, ur Related Business Services Business Checking Fees (cllectively, the "Agreement"), explains the terms and cnditins gverning ur Online Banking. Please read this Agreement carefully and nte that different prvisins will apply based n whether yu are using Online Banking t access persnal r business accunts. Als, different fees will apply based n whether yu enrlled in Online Banking as a cnsumer r as a business accunt. By enrlling, electrnically r therwise, and by using Online Banking, yu agree t be bund by the terms and cnditins f this Agreement. This Agreement als cntains imprtant infrmatin regarding what yu shuld d if yu believe that an unauthrized persn has gained access t yur accunt(s) r an errr has ccurred. Keep this Agreement fr future reference. This Agreement will be gverned by the laws and regulatins f the State f New Jersey and the United States, as amended frm time t time. 2. Each f yur depsit accunts at UICCU is als gverned by a Depsit Accunt Agreement and Disclsure which includes an Accunt Agreement, Funds Availability Disclsure, Electrnic Fund Transfer Disclsure, W-9 instructins and General Schedule f Fees. The Depsit Accunt Agreement and Disclsures als apply t any electrnic fund transfers made t r frm yur accunts by use f Online Banking. This Agreement will cntrl in the event f any cnflict between the Accunt Disclsures and this Agreement. 3. Thrughut this Agreement, the fllwing terms will have the meanings set frth belw: "access" refers t the ability t btain accunt infrmatin, electrnic messages, transfer funds between accunts, as described further in this Agreement. "Online Banking" means UICCU's Online Banking by Web service which includes: Online Banking, Online Bill Payment; and such ther cmputer-based banking services that UICCU may make available frm time t time. "UICCU Banking" means the ability thrugh Online Banking t access transactin infrmatin n Eligible Accunts thrugh Online Banking and transfer funds amng thse accunts. "UICCU Online Bill Payment" means the ability t perfrm payments t third parties frm yur designated accunt thrugh instructins entered int Online Banking. "Bill Payment Accunt" means yur designated UICCU checking accunt frm which bill payments will be made. "business accunt" means any UICCU depsit accunt that is nt being used fr persnal, family, r husehld purpses. "business custmer" means the wner f a business accunt. "business day" means Mnday thrugh Friday, excluding Saturday, Sunday and banking hlidays set frth under the laws f the United States.

2 "cnsumer" means the wner f a persnal accunt. "Eligible Accunts" are thse types f UICCU accunts referred t in Sectin II f this Agreement, which may be accessed thrugh Online Banking. "ET" means Eastern Time. "CT" means Central Time. "persnal accunt" means any UICCU depsit accunt r lan that is used fr persnal, family, r husehld purpses. "Passwrd" means the cnfidential persnal identificatin number r ther cnfidential cde selected by yu fr identificatin purpses in cnnectin with the use f Online Banking. "Bank," "we" and "us" refer t UICCU. "Service Fee Accunt" means the UICCU accunt(s) yu have designated t be charged fr all fees and charges assciated with Online Banking and Bill Paying. "transactin" means any electrnic banking transactin, including a depsit, withdrawal r bill payment made electrnically. "yu," "yur" and "yurs" refer t each cnsumer r business custmer wh has enrlled in Online Banking and/r Bill Paying. "Bill Payment Agent" refers t ur Bill Payment Prcessr used t supprt the Bill Payment functin. II. Accessing Yur Eligible Accunts Yu can access the fllwing UICCU accunts thrugh Online Banking: Eligible Accunt Types Checking Accunt Statement Savings Mney Market Certificate f Depsit Cnsumer Lans Residential Mrtgage Lans Nte: UICCU may frm time t time amend this list f eligible accunts. Ntes t cnsumers accessing persnal accunts: By enrlling in Online Banking yu will be given access t all UICCU accunts f which yu are an wner (including jint accunts) and which are cnsidered Eligible Accunts. Yu will als be given the ability t transfer funds between thse Eligible Accunts except fr Certificates f Depsit. Accunts requiring tw signatures r mre are nt accessible thrugh Online Banking. Ntes t business custmers accessing business accunts: By enrlling in Online Banking yu will be given access t all UICCU accunts f which yu are an wner and which are cnsidered Eligible Accunts. Yu will als be given the ability t transfer funds between thse Eligible Accunts except fr Certificates f Depsit. If yur accunt(s) require tw r mre signatures t cnduct a transactin, by accepting the terms f this agreement, yu hereby waive that requirement fr Online Transactins nly. III. Web Site Terms and Cnditins PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE. BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY UICCU.

3 NO WARRANTY. THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS - ARE PROVIDED "AS IS," "AS AVAILABLE". UICCU DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. LIMITATION OF LIABILITY. IN NO EVENT WILL UICCU BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF UICCU, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. HYPERLINKS TO OTHER INTERNET RESOURCES ARE AT YOUR OWN RISK; THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THESE RESOURCES ARE NOT INVESTIGATED, VERIFIED, MONITORED, OR ENDORSED BY UICCU. IV. Terms and Cnditins General Online Banking Terms and Cnditins Fr All Custmers. This sectin applies t custmers accessing their persnal r business accunts. 1. Fees There are n fees t use the UICCU hme banking, FinanceWrks, r bill payer services. If yu wish t clse any Checking Accunt which is acting as yur Bill Payment Accunt, yu must ntify us prir t such clsing and identify a new Checking Accunt which is t serve as yur Bill Payment Accunt fr Online Banking. Failure t ntify us may result in the terminatin f Online Banking, and yu agree that we may charge any accunt yu have with UICCU fr the amunt f any utstanding charges yu we. 2. Hw t Cntact Us Call the Internet Banking Representative at Use f Electrnic Messages Sending electrnic messages thrugh Online Banking is a way t cmmunicate with the Bank, as required elsewhere in this Agreement. Hwever, there may be times when yu need t speak with smene immediately (especially t reprt a lst r stlen. Passwrd).. Als, it is imprtant t remember that yu cannt use an electrnic message thrugh Online Banking t either transfer funds between accunts r t cnduct transactins, such as paying bills. T accmplish these activities, please fllw the apprpriate instructins prvided by Online Banking. By enrlling in Online Banking, yu agree that we may cmmunicate with yu thrugh yur Online Banking electrnic message address fr the purpse f sending yu ntices f any

4 changes in terms t this Agreement r fr prviding yu such ther disclsures r ntices as may be required by applicable laws r regulatins. 3. Additin f New Services UICCU may, frm time t time, intrduce new nline services. We may ntify yu f the existence f these new services when they becme available and, if yu chse t make use f any new service, yu agree t be bund by any terms and cnditins regarding the new services that we may send t yu. 4. Cancellatin and Reinstatement f Online Banking If yu wish t cancel Online Banking and/r Online Bill Payment, yu may send us an electrnic message, call us, r send us cancellatin instructins in writing t UICCU. In rder t reinstate yur Online Banking service, access Online Banking by Web by accepting ur Member Agreement and authrizatin instructins fr activating Online Banking, as well as, cmpleting the Online Banking Applicatin yur service will be activated. If yu d nt access yur UICCU accunts via Online Banking fr any six (6) mnth perid, fr yur prtectin, we reserve the right t discnnect yur service. 5. Limitatins, Pririty and Perfrmance f Transactins Any ne bill payment item cannt be fr an amunt greater than $9, We may, frm time t time, limit the type, number and dllar amunts f any checks, drafts, withdrawals, r transfers made by use f Online Banking, ntwithstanding the amunt in yur accunts. Limits n the number f transactins that yu may perfrm n yur UICCU accunts are described in the applicable Accunt Agreement fr such accunts. If a hld has been placed n depsits made t an accunt frm which yu wish t transfer funds, yu cannt transfer the prtin f the funds held until the hld is remved. If yu schedule an Online Banking transactin t ccur n a nn-business day, we reserve the right t debit funds frm yur applicable Eligible Accunt n the first business day fllwing the transfer date r bill payment pay date. If there are nt sufficient funds r available funds n the effective date f the transfer, we may nt cmplete the transfer and a service charge and/r late charge may be assessed t the accunt(s). 6. Terminatin, Amendment and Assignment We reserve the right t terminate r amend this Agreement, r yur access t Online Banking, at any time with any ntice as may be required by law. Yu agree that any required ntice may be sent t yu electrnically at yur Online Banking electrnic message address. We may als assign r delegate certain f ur rights and respnsibilities under this Agreement t independent cntractrs r ther third parties. 7. Recrding f Infrmatin and Disclsure t Third Parties The cllectin f persnal infrmatin nline is designed t prtect access t yur persnal accunts and t assist the bank in prviding yu with the prducts and services yu want and need. All persnal infrmatin cllected and stred by the credit unin is used fr specific

5 business purpses t prtect and administer yur persnal accunts and transactins, t cmply with state and federal banking regulatins, and t help the credit unin better understand yur financial needs in rder t design r imprve ur prducts and services. Emplying stringent security measures in the cllectin f yur persnal infrmatin, all UICCU nline accunt applicatins are submitted t the UICCU's secure administratin site thrugh an encrypted direct line t the credit unin. Once received by the credit unin, nly apprved persnnel may pen and prcess the applicatin. Furthermre, auditing mechanisms have been put int place t further prtect yur infrmatin by identifying which emplyee(s) has accessed and in any way mdified, updated, r added t yur persnal infrmatin. When visiting ur Web site t read r dwnlad infrmatin, we d nt cllect infrmatin abut yu, but we d cllect and stre infrmatin abut yur Internet cnnectin and the date and time f yur visit. Specifically, we recrd: The name f the dmain frm which yu access the Internet (fr example, al.cm, if yu are cnnecting frm an America Online accunt, r uiwa.edu, if yu are cnnecting frm University f Iwa's dmain). The Internet address f the Web site frm which yu linked directly t ur site, if any (fr example, if yu are fllwing a link frm the NCUA Web site, r if yu are using the Yah search engine). The type f web brwsing sftware yu are using t view ur site. The date and time yu accessed ur site. The pages frm where yu entered and exited ur site. The infrmatin and electrnic messages yu enter thrugh Online Banking may be recrded. We may disclse infrmatin abut yur Eligible Accunts, r the transfers, transactins r payments yu perfrm, t third parties and yu hereby authrize thse third parties t disclse similar infrmatin t us: f. where it is necessary fr cmpleting transfers r transactins; r g. in rder t verify the existence and cnditin f yur accunt fr a third party such as, fr example, a credit bureau, a merchant, anther financial institutin; r h. in rder t cmply with gvernment agency r curt rders, r investigatins r examinatins by ur bank regulatrs; r i. in the investigatin r prsecutin f alleged fraudulent activity cncerning yur accunts; r j. if yu give us yur permissin; r k. as may be therwise authrized in ther agreements with us. B. Online Banking Terms and Cnditins Fr Persnal Accunts 12. In accrdance with the terms f this Agreement, we will accept instructins frm any persn using yur Lg in ID and Security Cde (referred t as "passwrd") t cnduct Online Banking transactins. 13. Yu will be given the ability t select a Passwrd that will give yu access t Online Banking. Yu alne will have the ability t change yur Passwrd and we recmmend that yu change yur Passwrd regularly. UICCU is entitled t act n instructins received under yur Passwrd and yu agree that the use f yur Passwrd will have the same effect as yur signature authrizing any transactin. Fr security purpses, we recmmend that yu memrize yur Passwrd and d nt write it dwn. Yu are respnsible fr keeping yur Passwrd, accunt numbers, and ther accunt data cnfidential. Where yu have authrized any ther persn t use yur Passwrd in any manner, yur authrizatin shall be unlimited in amunt and manner.

6 14. Yur Liability fr Unauthrized Transfers/Transactins It is imperative that yu tell us AT ONCE if yu believe yur Passwrd has been lst r stlen. Telephning is the best way f limiting yur pssible lsses. Yu culd lse all the mney in the accunts t which yu have access thrugh Online Banking, plus yur maximum verdraft line f credit r the balance in any ther accunt cnnected t yur accunt fr verdraft prtectin. If yu tell us within tw business days that smene has used yur Passwrd withut yur permissin, yu can lse n mre than $ If yu d NOT tell us within tw business days after yu learn f the lss r theft f yur Passwrd and we can prve we culd have stpped smene frm accessing yur accunt(s) withut yur permissin if yu had tld us, yu culd lse as much as $ Als, if yur statement shws electrnic transfers r transactins that yu did nt make, tell us at nce. If yu d nt tell us within 60 calendar days after the statement was mailed t yu, yu may nt get back any mney yu lst after the 60 days if we can prve that we culd have stpped smene frm taking the mney if yu had tld us in time. If a gd reasn (such as a lng trip r a hspital stay) kept yu frm telling us, we will extend the time perids. Yur rle is extremely imprtant in the preventin f any wrngful use f yur accunt. Yu must prmptly examine yur statement upn receipt. If yu find that yur recrds and urs disagree. 15. In Case f Errrs r Questins abut Yur Electrnic Transfers/Transactins Telephne us at : a. Tell us yur name and accunt number; b. Describe the errr r the transactin yu are unsure abut, and explain as clearly as yu can why yu believe it is an errr r why yu need mre infrmatin, and; c. Tell us the dllar amunt f the suspected errr. If yu tell us rally, we will require that yu send us yur cmplaint r questin in writing within ten (10) business days. After we receive yur inquiry, we will tell yu the results f ur investigatin within ten (10) business days after we hear frm yu and will crrect any errr prmptly. If we need mre time, hwever, we may take up t frty-five (45) days t investigate yur cmplaint r questins. If we decide t d this we will credit yur accunt within ten (10) business days fr the amunt yu think is in errr s that yu will have the use f the mney during the time it takes us t cmplete ur investigatin. If we d nt receive yur cmplaint r questin in writing within ten (10) business days, we will nt credit yur accunt. If we decide that there is n errr, we will send yu a written explanatin within three (3) days after we finish ur investigatin. Five (5) business days after we send yu ur written explanatin we will withdraw frm yur accunt any sums we temprarily credited t it. Yu may ask fr cpies f the dcuments that we used in ur investigatin. 16. Dcumentatin f Transfers/Transactins We will send yu r electrnically stre peridic statements in accrdance with the applicable accunt agreements. 17. Our Respnsibility t Cnsumers

7 If we d nt cmplete a transfer r transactin accrding t the terms and cnditins f this agreement we will cmplete the transfer r transactin, withut charging yu any additinal fee unless: a. If, thrugh n fault f urs, yu d nt have enugh mney in yur accunt t make the transfer r cmplete the transactin; b. If the transfer r transactin will g ver the credit limit n yur verdraft line, if yu have ne; c. If the transfer r transactin will exceed the transactin limitatins n yur checking, statement savings r mney market accunt; d. If ur systems were nt wrking prperly and yu knew abut the breakdwn when yu started the transfer r transactin; e. If circumstances beynd ur cntrl (such as interruptin in services prvided t us by a third party, r, telephne service, telecmmunicatins facilities, fire r fld) prevent the transfer r transactin, despite reasnable precautins that we have taken; f. If the transfer r transactin cannt be made because f legal restrictins affecting yur accunt; g. If yu have nt prvided us with cmplete and crrect payment infrmatin, including but nt limited t name, address, accunt number and payment amunt fr a merchant/payee; h. If yu have nt prperly fllwed the instructins fr perating Online Banking (including the scheduling f payments r transfers); and, i. if yur perating system was nt functining prperly. In additin, yu agree that we will nt be respnsible fr delays caused by mail service r the negligence r willful miscnduct f yurself r thers. Our sle respnsibility fr an errr in a transfer r transactin will be t crrect the errr, but in n case shall we be liable fr any indirect, special r cnsequential, ecnmic r ther damages, including interest r late payment charges assessed by a merchant r a terminatin f service caused by a delay in a merchant's receiving the transfer r transactin. D. UICCU Online Bill Payment The Bill Payment service permits yu t use yur Internet-enabled device t direct payments frm yur selected nline Bill Payment Accunt t third parties yu wish t pay. We have cntracted with ur Bill Payment Agent t perfrm these payments fr yu. Yur Bill Payment Accunt must be a UICCU checking accunt. Thrugh the Bill Payment service, yu can pay bills frm yur Bill Payment Accunt t businesses r individuals. All payments yu make will be deducted frm the accunt that yu designate as yur Bill Payment Accunt fr the Bill Payment service. Any payments yu wish t make thrugh this service must be payable in U.S. dllars t a payee lcated in the cntinental United States. Any ne bill payment item cannt be fr an amunt greater than $9, We reserve the right t restrict types f payees t whm payments may be made using the Bill Payment service frm time t time. Yu shuld nt use the Bill Payment service t make payments t settle securities purchases, tax payments, r curt rdered payments. Payments fr these payees will be yur sle respnsibility if delayed r imprperly prcessed r credited. Funds must be available in yur Bill Payment Accunt n the scheduled payment date. If the date yu schedule a payment t be initiated falls n a nn-business day (Saturday, Sunday r hliday), funds must be available in yur Bill Payment Accunt the fllwing business day (e.g., Mnday). After funds are withdrawn frm yur Bill Payment Accunt t make a payment, we may make the payment either by transferring funds electrnically t the payee r by mailing the payee a check.

8 Yu may chse t schedule payments t recur in the same amunt at regular weekly, bi-weekly r mnthly intervals (a "recurring payment"). If a recurring payment is chsen, the bill will be paid autmatically each billing perid prvided sufficient funds are available. If the payment is nt a recurring payment, it will be a "ne time" payment. One time payments d nt recur and are nt made until yu enter the payee and amunt f the current bill and submit the payment. Yu may change payments that are recurring payments; hwever, yu must allw at least three (3) business days after we receive any change t infrmatin yu have given us abut a payee t reflect the change in ur recrds. When yu create a new payee in the Bill Payment service, it has a temprary status until we have had sufficient time t set up the accunt, and fr yur business payees, verify infrmatin abut yur accunt. Yu shuld schedule a payment t a new payee at least seven (7) business days befre any payment due date, t allw us time t set up the payee and verify infrmatin abut yur accunt with the payee. Fr all subsequent payments, yu agree t allw up t five (5) business days between the date yu schedule a payment t be initiated and the payment due date (that is, the due date shwn n yur invice r prvided in yur agreement with the payee, nt taking int accunt any applicable grace perid). If yu d nt, yu will be fully respnsible fr all late fees, finance charges r ther actin taken by the payee. If yu schedule yur payment and fllw all instructins prvided, but the payment is nt received by the payee in a timely manner, a representative frm ur Bill Payment Agent will wrk with the payee n yur behalf t attempt t have any late fees r charges reversed. If yu are assessed a fee due t a late r missed payment and yu believe the fee assessment is an errr, yu must cntact Bill Payment Custmer Service at M-Tu-Th-F 9:00 A.M. t 5:30 P.M ET; Wednesday 10:00 A.M t 5:30 P.M ET and Saturday 9:00 A.M. t 12:00 P.M. ET. Once Custmer Service has been cntacted, they will submit a research request t the Bill Payment Research Department. If it is determined that yu fllwed the prper Bill Payment prcedures, Custmer Service will: Credit yur checking accunt fr the full amunt f late charges assessed by the payee AND Send a written statement t the payee explaining that yu are nt at fault fr the late r missed payment. If it is determined that yu did nt fllw the prper Bill Payment prcedures, yu will be respnsible fr any fees assessed by the payee. UICCU is nly respnsible fr exercising rdinary care in prcessing and sending payments upn yur authrizatin in accrdance with this Agreement. UICCU will nt be liable in any way fr damages yu incur if yu d nt have sufficient available funds in yur Bill Payment Accunt t make the payment n the prcessing date, fr delays in mail delivery, fr changes t the payee's address r accunt number unless yu have advised us f the change sufficiently in advance, fr the failure f any payee t crrectly accunt fr r credit the payment in a timely manner, r fr any ther circumstances beynd the cntrl f UICCU. If the sessin during which yu schedule a payment ends by 10:00 p.m. (ET) n a business day, UICCU will be cnsidered t have received it n that day. Otherwise, it will be cnsidered received n the fllwing business day. Fr all entries made using the service, the time recrded by the Online Banking service cntrls. Yu will be liable t the Bill Payment Agent and t UICCU fr the full amunt f any bill payments made n yur behalf. N further bill payments will be allwed until this indebtedness t either

9 UICCU r the Bill Payment Agent is paid. Yu will als be respnsible fr any insufficient/uncllected fund charges. E. FinanceWrks & Debit Rewards Offers -- End User License Agreement In additin t the abve cntent, if yu decide t use either FinanceWrks r the Debit Rewards Offers applicatin, yu acknwledge and agree t the fllwing terms and cnditins f service. LICENSE GRANT AND RESTRICTIONS. Yu are granted a persnal, limited, nn-exclusive, nntransferable license, t electrnically access and use the FinanceWrks Service (the Service ) slely t manage yur financial data, and the purchase rewards applicatin ( Debit Rewards Offers ) t benefit frm yur debit card purchases. In additin t the FinanceWrks Service and the Debit Rewards Offers, the terms "Service" and Debit Rewards Offers als include any ther prgrams, tls, internet-based services, cmpnents and any "updates" (fr example, Service maintenance, Debit Rewards infrmatin, help cntent, bug fixes, r maintenance releases, etc.) f the Service r Debit Rewards Offers if and when they are made available t yu by us r by ur third party vendrs. Certain Service and Debit Rewards Offers may be accmpanied by, and will be subject t, additinal terms and cnditins. Yu are nt licensed r permitted t d any f the fllwing and yu may nt allw any third party t d any f the fllwing: (i) access r attempt t access any ther systems, prgrams r data that are nt made available fr public use; (ii) cpy, reprduce, republish, uplad, pst, transmit, resell r distribute in any way the material frm the FinanceWrks site r frm the Debit Rewards Offers prgram; (iii) permit any third party t benefit frm the use r functinality f the Service r Debit Rewards Offers, r any ther services prvided in cnnectin with them, via a rental, lease, timesharing, service bureau, r ther arrangement; (iv) transfer any f the rights granted t yu under this license; (v) wrk arund any technical limitatins in the Service, use any tl t enable features r functinalities that are therwise disabled in the Service, r decmpile, disassemble, r therwise reverse engineer the Service except as therwise permitted by applicable law; (vi) perfrm r attempt t perfrm any actins that wuld interfere with the prper wrking f the Service r Debit Rewards Offers r any services prvided in cnnectin with them, prevent access t r the use f the Service, Debit Rewards Offers r any r services prvided in cnnectin with them by ther licensees r custmers, r impse an unreasnable r disprprtinately large lad n the infrastructure while using the Service; r (vii) therwise use the Service, Debit Rewards Offers r any services prvided in cnnectin with them except as expressly allwed under this Sectin 1. OWNERSHIP. The Service and Debit Rewards Offers are prtected by cpyright, trade secret and ther intellectual prperty laws. Yu d nt have any rights t the trademarks r service marks. YOUR INFORMATION AND ACCOUNT DATA WITH US. Yu are respnsible fr (i) maintaining the cnfidentiality and security f yur access number(s), passwrd(s), security questin(s) and answer(s), accunt number(s), lgin infrmatin, and any ther security r access infrmatin, used by yu t access the Service, Debit Rewards Offers r any services prvided in cnnectin with them, and yur accunts with us (cllectively, "Licensee Access Infrmatin"), and (ii) preventing unauthrized access t r use f the infrmatin, files r data that yu stre r use in r with the Service, Debit Rewards Offers r any services prvided in cnnectin with them (cllectively, "Accunt Data"). Yu are respnsible fr prviding access and assigning passwrds t ther users, if any, under yur accunt fr the Service, Debit Rewards Offers r any services prvided in cnnectin with them, and ensuring that such authrized users cmply with this Agreement. Yu will be respnsible fr all electrnic cmmunicatins, including accunt registratin and ther accunt hlder

10 infrmatin, and financial, accunting and ther data ("Cmmunicatins") entered using the Licensee Access Infrmatin. It is assumed that any Cmmunicatins received thrugh use f the Licensee Access Infrmatin were sent r authrized by yu. Yu agree t immediately ntify us if yu becme aware f any lss, theft r unauthrized use f any Licensee Access Infrmatin. We reserve the right t deny yu access t the Service, Debit Rewards Offers r any services prvided in cnnectin with them (r any part theref) if we reasnably believe that any lss, theft r unauthrized use f Licensee Access Infrmatin has ccurred. Yu must infrm us f, and hereby grant t us and ur third party vendrs permissin t use, Licensee Access Infrmatin t enable us t prvide the Service, Debit Rewards Offers r any services prvided in cnnectin with them t yu, including updating and maintaining Accunt Data, addressing errrs r service interruptins, and t enhance the types f data and services we may prvide t yu in the future. We may use annymus, aggregate infrmatin, which we cllect and stre, r which is cllected and stred n ur behalf by third party vendrs, t cnduct certain analytical research and help us t create new fferings and services fr ur custmers. As we make additinal fferings and nline banking services available t yu, sme f which may rely n banking infrmatin maintained in yur accunts, yu will have the pprtunity t participate in the services if yu chse. If yu chse nt t participate, yu d nt need t ntify us. We may als use annymus, aggregate infrmatin which we cllect and stre, r which is cllected and stred n ur behalf by third party vendrs, t (i) cnduct database marketing and marketing prgram executin activities; (ii) publish summary r aggregate results relating t metrics cmprised f research data frm time t time; and (iii) distribute r license such aggregated research data t third parties. Additinally, autmated technlgy may be used t tailr messages r advertisements that best reflect yur interest and needs. YOUR INFORMATION AND ACCOUNT DATA WITH OTHER FINANCIAL INSTITUTIONS. Our financial management tls allw yu t view accunts that yu may have utside ur financial institutin (this is a prcess called aggregatin ). When yu chse t use nline financial services which are applicable t data that yu have transacted with ther financial institutins r card issuers, yu are cnsenting t us accessing and aggregating yur data frm thse utside financial institutins. That data includes yur financial institutin accunt access number(s), passwrd(s), security questin(s) and answer(s), accunt number(s), lgin infrmatin, and any ther security r access infrmatin used t access yur accunt(s) with ther financial institutins, and the actual data in yur accunt(s) with such financial institutin(s) such as accunt balances, debits and depsits (cllectively, "Financial Accunt Data"). In giving that cnsent, yu are agreeing that we, r a third party vendr n ur behalf, may use, cpy and retain all nn-persnally identifiable infrmatin f yurs fr the fllwing purpses: (i) as pertains t the use, functin, r perfrmance f the services which yu have selected; (ii) as necessary r useful in helping us, r third parties n ur behalf, t diagnse r crrect errrs, prblems, r defects in the services yu have selected; (iii) fr measuring dwnlads, acceptance, r use f the services yu have selected; (iv) fr the security r prtectin f the services yu have selected; (v) fr the evaluatin, intrductin, implementatin, r testing f the services yu have selected, r their upgrade, imprvement r enhancement; (vi) t assist us in perfrming ur bligatins t yu in prviding the services yu have selected. If we make additinal nline financial services available t yu which are applicable t data that yu have transacted with ther financial institutins r card issuers, and which we will aggregate at this site, we will separately ask fr yur cnsent t cllect and use that infrmatin t prvide yu with relevant ffers and services. If yu give us yur cnsent, yu will be agreeing t permit us t use Financial Accunt Data t help us suggest savings pprtunities r additinal prducts and services t yu.

11 If yu select services that are ffered by third parties r merchants thrugh such ffers r n ur behalf, yu will be agreeing that we have yur cnsent t give such third parties r merchants yur gegraphic lcatin, and ther data, cllected and stred in aggregate, as necessary fr such third parties r merchants t make their fferings and services available t yu and t permit us t use Financial Accunt Data t help us suggest savings pprtunities r additinal prducts and services t yu. Except as specified here, we and the third parties r merchants acting n ur behalf shall nt use r keep any f yur persnally identifiable infrmatin. USE, STORAGE AND ACCESS. We shall have the right, in ur sle discretin and with reasnable ntice psted n the FinanceWrks site and/r sent t yur address prvided in the Registratin Data, t establish r change limits cncerning use f the Service and any related services, temprarily r permanently, including but nt limited t (i) the amunt f strage space yu have available thrugh the Service at any time, and (ii) the number f times (and the maximum duratin fr which) yu may access the Service in a given perid f time. We reserve the right t make any such changes effective immediately t maintain the security f the system r Licensee Access Infrmatin r t cmply with any laws r regulatins, and t prvide yu with electrnic r written ntice within thirty (30) days after such change. Yu may reject changes by discntinuing use f the Service and any related services t which such changes relate. Yur cntinued use f the Service r any related services will cnstitute yur acceptance f and agreement t such changes. Maintenance f the Service r any related services may be perfrmed frm time-t-time resulting in interrupted service, delays r errrs in such Service r related services. Attempts t prvide prir ntice f scheduled maintenance will be made, but we cannt guarantee that such ntice will be prvided. THIRD PARTY SERVICES. In cnnectin with yur use f the Service, Debit Rewards Offers, r any ther services prvided in cnnectin with them, yu may be made aware f services, prducts, ffers and prmtins prvided by third parties, ("Third Party Services"). If yu decide t use Third Party Services, yu are respnsible fr reviewing and understanding the terms and cnditins gverning any Third Party Services. Yu agree that the third party is respnsible fr the perfrmance f the Third Party Services. THIRD PARTY WEBSITES. The Service may cntain r reference links t websites perated by third parties ("Third Party Websites"). These links are prvided as a cnvenience nly. Such Third Party Websites are nt under ur cntrl. We are nt respnsible fr the cntent f any Third Party Website r any link cntained in a Third Party Website. We d nt review, apprve, mnitr, endrse, warrant, r make any representatins with respect t Third Party Websites, and the inclusin f any link in the Service, Debit Rewards Offers r any ther services prvided in cnnectin with them is nt and des nt imply an affiliatin, spnsrship, endrsement, apprval, investigatin, verificatin r mnitring by us f any infrmatin cntained in any Third Party Website. In n event will we be respnsible fr the infrmatin cntained in such Third Party Website r fr yur use f r inability t use such website. Access t any Third Party Website is at yur wn risk, and yu acknwledge and understand that linked Third Party Websites may cntain terms and privacy plicies that are different frm urs. We are nt respnsible fr such prvisins, and expressly disclaim any liability fr them. EXPORT RESTRICTIONS. Yu acknwledge that the Service may cntain r use sftware that is subject t the U.S. Exprt Administratin Regulatins (15 CFR, Chapter VII) and that yu will cmply with these regulatins. Yu will nt exprt r re-exprt the Service, directly r indirectly, t: (1) any cuntries that are subject t US exprt restrictins; (2) any end user wh has been prhibited frm participating in US exprt transactins by any federal agency f the US gvernment; r (3) any end user wh yu knw r have reasn t knw will utilize them in the design, develpment r prductin f nuclear, chemical r bilgical weapns. Yu further acknwledge that this prduct may include technical data subject t exprt and re-exprt restrictins impsed by US law.

12 DEBIT REWARDS OFFERS. If yu decide yu wish t participate in the Debit Rewards Offers applicatin, yu acknwledge and agree t the fllwing terms and cnditins f service. Debit Rewards. Yu will earn rewards fr yur participatin in the Debit Rewards Offers prgram based n ttal purchases. If yu participate in the Debit Rewards Offers, we will credit all cash r pint rewards earned t yur rewards balance and send yu a lump sum f all rewards due t yu. Fr any qualifying purchases during the current mnth, we will distribute the lump sum amunt t yu during the fllwing calendar mnth. Fr example, if the payment date f all rewards end user disbursements is August 30, the applicable Measurement Perid wuld be the calendar mnth ended July 31. Cash rewards will be depsited in the Debit Rewards Offers depsit accunt which is assciated with the Debit Rewards Offers prgram. Debit Rewards Offers Accunt. Yu must use the debit card assciated with the Debit Rewards Offers accunt in rder t receive the ffers which qualify fr the rewards. Rewards will nt be earned fr any prtin f yur purchase that yu pay fr with stre credit, gift certificates r ther payment types. Purchases must be made as indicated in the ffers made available under the Debit Rewards Offers prgram. Each ffer will specify whether the purchase can be made nline, at a stre lcatin, r by telephne t be eligible fr rewards. Yu must als cmply with any guidelines included with the ffer, such as ffer expiratin dates, minimum purchase amunts, purchase limits, etc. Yu must als pay using the debit card assciated with the accunt that received the Debit Rewards ffer in rder fr the purchase t qualify. While we and the merchants wrk hard t prperly track and credit all eligible purchases, there may be times that we are unable t d s because f prblems with yur internet brwser, the merchant's web site r ur system. Please cntact ur supprt team if yu believe yu have made a qualifying purchase fr which yu did nt receive Rewards. Please nte that yu will nt earn rewards as part f this prgram if yu use a debit card nt issued by us r d nt have the designated depsit accunt pened with us at the time f disbursement. Yu understand and agree that we make n warranties and have n liability as t: Any ffers, cmmitments, prmtins, mney back, r ther incentives ffered by any f the merchants in the Debit Rewards Offers prgram. The rewards infrmatin that we prvide t yu, which is prvided as is and as available. (i) yur inability t cmply with ffer guidelines, (ii) the accuracy, timeliness, lss r crruptin, r mis-delivery, f any qualifying purchase infrmatin r any ther infrmatin, (iii) unauthrized access t yur accunt(s) r t yur accunt infrmatin and any misapprpriatin, r alteratin, f yur accunt infrmatin r data, t the extent that the unauthrized access results frm yur acts r missins, r (iv) yur inability t access yur accunt(s) including, but nt limited t, failure f electrnic r mechanical equipment, intercnnect prblems with telephne prviders r internet service prviders, acts f Gd, strikes, r ther labr prblems. Sme states d nt allw limitatins n hw lng an implied warranty lasts, s that the abve limitatins may nt apply t yu, and that yu may als have ther rights, which vary frm state t state.

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