MyMEA Online ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT

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1 rev 2015 MyMEA Online ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT MEA FEDERAL CREDIT UNION This Agreement establishes the rules that cover your electronic access to your account(s) at MEA Federal Credit Union ( Credit Union ) through the MyMEA Online system. You will be bound by this Agreement when you enroll in MyMEA Online. You also accept all the terms and conditions of this Agreement by using the MyMEA Online. Please read it carefully and retain for your records. This Agreement is also subject to applicable federal laws and the laws of the State of Georgia (except to the extent this Agreement can and does vary from such rules or laws). If any provisions of this Agreement are found unenforceable or invalid, all remaining provisions will continue in full force and effect. The headings in the Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party or any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and the Credit Union s successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation, or expiration of this Agreement shall survive termination, cancellation, or expiration of this Agreement. This Agreement, together with the Membership and Account Agreement constitutes the entire agreement between you and the Credit Union with respect to the subject matter hereof and there is no understanding or agreements relative hereto which are not fully expressed herein. The words you, your, and yours refer to the MEA Federal Credit Union member(s) jointly and severally. The words we, us, our, MEAFCU and Credit Union refer to MEA Federal Credit Union. This Agreement and Disclosure Statement (hereinafter Agreement ) explains and describes the types of Electronic Funds Transfers which are available to you with our MyMEA Online system. This Agreement also contains your rights and responsibilities concerning transactions that you make through the MyMEA Online, including your rights under the Electronic Funds Transfer Act. To qualify for access to the MyMEA Online, you must be a Credit Union member in good standing. The MyMEA Online may not be accessible to Business and Organizational accounts. Other conditions may apply. Page 1 of 6

2 rev 2015 ENROLLING FOR MyMEA ONLINE The member Account Number, Social Security Number and Address Number are required for initial enrollment to MyMEA Online. Users will create a personalized Logon ID and Security Code. Logon IDs can be between 6 and 50 alpha numeric characters. Security Codes must be exactly 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 MyMEA Online to any non-owner will make you financially liable for all losses or misuse of your account(s). 1. MyMEA ONLINE. You may reach the MyMEA Online at You can use MyMEA Online 7 days a week, 24 hours a day, 365 days a year, although some or all of the MyMEA Online services may not be available occasionally due to emergency or scheduled system maintenance. The use of your Logon ID is required to access MyMEA Online. You can perform the following transactions on ALL ACCOUNT(S) TO WHICH YOU ARE AUTHORIZED AND HAVE BEEN GIVEN ACCESS TO: a) Obtain balances and other account information on share/savings and draft/checking accounts in addition to share certificates, IRAs, and loans. MyMEA Online may NOT support information regarding Visa credit card accounts. b) Make transfers between share/savings, draft/checking, and loan accounts. c) Transfer advances from your personal line-of-credit loan to share accounts. d) 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. e) Make transfers from your share accounts to other share accounts that you share an association with. f) View check copies and re-order checks. 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. No more than three of the six transfers may be made by check, Page 2 of 6

3 Page 3 of 6 rev 2015 draft or debit card, or similar order to a third party. 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 MyMEA Online. 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 MyMEA Online to initiate a transaction that would cause the balance in your designated account(s) to go below zero. If you have a line-of-credit, you agree not to use MyMEA Online 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 MyMEA Online transactions if we have canceled your MyMEA Online access, or we cannot complete the transaction for security reasons. The functions and limitations of MyMEA Online may be updated, without notice, at the option of the Credit Union in order to provide improved service to the membership. 3. FEES FOR MyMEA ONLINE. Currently there is no monthly service fee for using MyMEA Online; 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 MyMEA Online, you must notify us in writing. 4. 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. 5. 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, us at 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 or MEA Federal Credit Union Attention: MyMEA Online 6333 Whitesville Road, Columbus, GA a) Tell us your name and member number. b) 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.

4 rev 2015 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. 6. LIABILITY FOR UNAUTHORIZED TRANSACTIONS. You will be liable for unauthorized access to accounts via MyMEA Online to the extent allowed by applicable federal and state law. You must 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 or , us at or mail to MEA Federal Credit Union Attention: MyMEA Online 6333 Whitesville Road, Columbus, GA 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 notified 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. 7. TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time and in the correct amount, and we have agreed to perform such transfer(s) (with certain exceptions), we may 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. Page 4 of 6

5 Page 5 of 6 rev 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 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 MyMEA Online is not working properly and you knew about the problem when you started the transactions. -If other exceptions are introduced as provided by applicable law. 8. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS. You authorize us to obtain any information deemed necessary to process your request for access to MyMEA Online. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make: a) Where it is necessary for completing or documenting transactions or resolving errors involving transactions. b) In order to verify the existence and condition of your designated account(s). c) In order to comply with orders or subpoenas of government agencies or courts. d) If you give us written permission. 9. OUR BUSINESS DAYS. Our business days are Monday through Friday, other than legal banking holidays. 10. PRE-AUTHORIZED PAYMENTS. You may not use MyMEA Online to enter into pre-authorized payment arrangements. 11. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS. Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement. 12. 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

6 rev 2015 transaction has taken place and the copy, microfilm, microfiche, or photograph will have the same validity as the original. 13. 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 MyMEA Online at any time. Whether you terminate the Agreement or we terminate the Agreement, 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. 14. CHANGING THIS AGREEMENT. We may change any term of the Agreement at any time. If the change results in increased fees for any services, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice of at least 21 days before the effective date of any such change, unless any immediate change is necessary to maintain the security of an account, or our electronic fund transfer system, or for any security reasons. We will post any required notice of change in terms in the quarterly newsletter, on our web site, personal , or postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. 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. 15. 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 MEA Federal Credit Union, Attention: MyMEA Online 6333 Whitesville Road, Columbus, GA 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. 16. 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. 17. GOVERNING LAW. This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, and the laws and regulations of the state of Georgia. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located. Page 6 of 6

7 Bill PayPlus Agreement & Disclosures Welcome to MyMEA Online Bill PayPlus Service. Use of the Bill PayPlus Service indicates acceptance of terms and conditions set forth in this Bill PayPlus Agreement & Disclosures ( Agreement ) as this may be amended from time to time. This Agreement is provided in electronic form, and by using the Bill PayPlus Service you agree to accept the Agreement in that form. Please read the Agreement carefully because it is our legal agreement with you that governs your use of our Bill PayPlus Service. 1. INTRODUCTION Through MyMEA Online, you may subscribe to our optional Bill PayPlus Service. The Bill PayPlus Service allows you to schedule payments through the Internet for current, future, and recurring bills from your checking account with us. You may use our Bill PayPlus Service to direct us to make payments from your designated checking account to the Payees you choose in accordance with this Agreement. The terms and conditions of this Agreement are in addition to the agreements, disclosures and other documents in effect from time to time governing your deposit account with us, including the Deposit Account Agreement & Disclosures ( Deposit Agreement ), and the Online Banking Agreement & Disclosures. Bill PayPlus Service and/or Service means the Bill PayPlus service that MEA Federal Credit Union makes available over the Internet. Credit Union, we, our, or us means MEA Federal Credit Union. Account means the deposit account you designate to process Bill PayPlus transactions through. "Payee" or Merchant means anyone you designate and we accept as a payee. Payment means your remittance to a payee. 2. REQUIREMENTS & RESTRICTIONS To subscribe to Bill PayPlus, you must designate a specific checking account to process your Bill PayPlus transactions through. The account you designate for this purpose must be in good standing with us in accordance with our criteria. Requirements for dual signatures on checks do not apply to the Bill PayPlus Service.

8 3. PAYEE DESIGNATION You can use the Bill PayPlus Service to make payments to almost any Payee or Merchant you want, including individuals, local service providers, utilities, credit cards, or to make mortgage or loan payments, or charitable donations, etc. The Bill PayPlus Service cannot be used to make payments for the following: Tax payments to the Internal Revenue Service or any state, local or other government agency; Court-ordered payments such as child support or alimony; and Payees located outside of the United States. By furnishing us with the names of your Payees (Merchants and/or individuals) and their addresses, you give us authorization to follow the Payment instructions, which you provide to us. When we receive a Payment instruction for the current date or a future date, we will remit the funds to the Payee on your behalf from the funds in your designated Account, on the day you have instructed them to be sent ( Payment Date ). We are not obligated to pay funds from your Account if the available Account balance is insufficient to cover the Payment. Funds for ALL Bill PayPluss, whether paid electronically or by check, will be withdrawn from your Account no later than three (3) business days following the Payment Date. We are not responsible if a Payment cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a Merchant. 4. MAKING / SCHEDULING PAYMENTS You may use the Bill PayPlus Service to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Recurring Payments may be scheduled for up to ten (10) years.

9 Non-recurring Payments are a single, one-time Payment to a specified Payee. Non-recurring Payments may be scheduled to be initiated up to eighteen (18) months in advance. 5. PROCESSING DAYS Payments are processed Monday through Friday at 2PM Eastern Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an auto recurring Payment. The Payment method may be electronic or by check. The first Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment, and should not be adjusted for any grace period or late date accommodations the Merchant may provide. Once the Service has been notified whether a Merchant accepts electronic payments or requires a paper check, after making the first Payment to that Merchant, the Service will display a message indicating that the Merchant requires either a two (2) day lead time for an electronic payment, or a five (5) day lead time if a paper check sent by regular mail is required. 6. PAYEE POSTING OF PAYMENTS Any Payments made with the Bill PayPlus Service require sufficient time for your Payee to credit your Account with them properly. To avoid incurring a finance charge or other charge, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment in the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee. We accept no responsibility for the posting process or delays on the part of the Payee. You agree to have available collected funds on deposit in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right to disable access to the bill pay service if you fail to comply with this requirement or any other terms of this Agreement. You further agree that we, at our option, may charge any of your accounts with us to cover such payment obligations.

10 7. CHANGE OR DELETE PAYMENTS / STOP PAYMENTS Any Payment can be changed or cancelled; provided you access the Service prior to 2PM Eastern Time on the business day the Payment is going to be processed. We shall not be liable to you due to a stop payment request if your order to do so is not presented prior to the time the check has cleared. Once the Payment has cleared, you can no longer stop payment. 8. PAYMENT GUARANTEE If all Payment guidelines were followed and a Payment is still posted late to your Account with a merchant resulting in a late fee, at our discretion, we will make an attempt to have the Merchant waive the late fees. If the Merchant is unwilling to waive late fees, up to $50 in late fees assessed by the Merchant will be covered by us. However, due to factors beyond our control such as the U.S. Mail and payment processing at the Merchant, it is not guaranteed that a Payment will post on the fifth business day (or second, if issued electronically). It is imperative to note that Merchant grace periods are not taken into consideration, and if adequate lead time prior to the payment due date was not allowed by you in scheduling the Payment, this Guarantee is void. NOTE: If the Merchant is not willing to discuss late fees or status of the account with us, you will be notified and advised that the Merchant requires your authorization before further discussions can occur between us and the Merchant. 9. LIABILITY You are solely responsible for controlling the safekeeping of and access to your Bill PayPlus information. You are liable for all transactions you make, or that you authorize another person to make, even if that person exceeds his or her authority. If you want to terminate another person's

11 authority, you must change your Online Banking logon password. In the event that you have experienced unauthorized access to our Bill PayPlus, you must notify us of the unauthorized access, identify any Payments made or potential Payments scheduled, and change your logon information. You will be responsible for any Payment request you make that contains an error or is a duplicate of another Payment. We are not responsible for a Payment that is not made if you did not properly follow the instructions for making the Payment. We are not liable for any failure to make a Payment if you fail to promptly notify us after you learn that you have not received credit from a Payee for a Payment. We are not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be our agent. In any event, we will not be liable for any special, indirect, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if we have knowledge of the possibility of them. We are not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond our reasonable control. 10. INACTIVITY If you do not access or use the Bill PayPlus Service for a period of more than ninety (90) days, we may in our sole discretion, terminate your access to and use of the Bill PayPlus Service without notice to you. 11. TERMINATION We reserve the right to terminate your use of Bill PayPlus at any time without prior notice to you. If, for any reason, you should want to terminate your use of our Bill PayPlus Service, we recommend that you cancel all future Payments and transfers at the same time you terminate the Service, either by deleting the Scheduled Payments yourself or by contacting the Bank as

12 stipulated below. We will delete all outstanding payments (both one-time and recurring), as part of your Service termination. We are not responsible for any fixed Payment made before we have a reasonable opportunity to act on your termination notice. You remain obligated for any and all Payments made by us on your behalf through the Bill PayPlus Service. Should you opt to discontinue any of the Accounts or Services to which this Agreement pertains, written notice must be provided to us immediately at the following address. MEA Federal Credit Union 6333 Whitesville Road Columbus, GA AGREEMENT ASSIGNMENT AND AMENDMENT We may assign this Agreement to any affiliate, parent or other company. We may also assign or delegate certain of its rights and responsibilities under this Agreement to such third parties as we may elect upon notice to you whereupon we shall be released from any and all further liability or responsibility related thereto. We reserve the right to amend or cancel any of the provisions of this Agreement, including changes to any fees, costs, or assessments. We may amend or cancel any provision or charge by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice of thirty (30) days of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations or changes by continuing or discontinuing the accounts or services to which these changes relate, at your option. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations.

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