Online Banking Agreement

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1 Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet explains the terms and cnditins gverning the use f Clrad Federal Savings Bank' Internet banking prduct, "Online Banking", and ther banking services ffered thrugh Clrad Federal Savings Bank (cllectively, "Online Banking Services"). By using Online Banking yu agree t abide by the terms and cnditins f this Agreement in additin t any ther depsit r similar agreements t which yu are bund. This Agreement will be gverned by and interpreted in accrdance with federal law and regulatin, and t the extent there is n applicable federal law r regulatin, by the laws f the State f Clrad. The terms "ur," "we," and "us," refer t Clrad Federal Savings Bank. "Yu" refers t each signer n an accunt. The term "business day" means Mnday thrugh Friday, excluding banking hlidays. Online Banking can be used t access prducts and accunts made available by Clrad Federal Savings Bank. Each f yur accunts is als gverned by the applicable Accunt Disclsure and Agreement. Each time yu use Online Banking, yu permit any ther persn t use Online Banking, r any f yur emplyees r agents uses Online Banking, yu are agreeing t the terms and cnditins that we have set ut in this Agreement and in any ther agreement applicable t yur accunt. Als, each time yu use Online Banking, yu permit any ther persn t use Online Banking, r any f yur emplyees r agents uses Online Banking, yu are acknwledging receipt and understanding f all disclsures included in r with this Agreement. Online Banking services prvided by Clrad Federal Savings Bank includes: Access accunt balances and transactin histry Transfer funds between accunts Change persnal accunt infrmatin View E-Statements 2. Prtecting yur Accunt Yu agree t ntify us at nce if yu believe anther persn has imprperly btained yur Online Banking passwrd. Als ntify us if smene has transferred r yu think smene may transfer mney frm r t any f yur

2 accunt(s) withut yur permissin, r if yu suspect any fraudulent activity n yur accunt. Yu may ntify us by writing, calling r ing us at: Clrad Federal Savings Bank Central Operatins Department 8400 E. Prentice Avenue, Suite 545 Greenwd Village, Clrad Telephning us between the hurs f 9:00 a.m. t 5:00 p.m. Muntain Time n any business day is the best way f keeping yur lsses dwn. Yu shuld then fllw up by ntifying us in writing. Yu culd lse all the mney in yur accunt (plus yur maximum verdraft line f credit, if applicable). A. Yur Liability: (Cnsumer Accunts Only) If yur Online Banking passwrd has been cmprmised and yu tell us within tw (2) business days after learning f the lss r theft, yu can lse n mre than $50 if smene used yur Online Banking passwrd withut yur permissin t access a Clrad Federal Savings Bank depsit accunt. If yu d NOT tell us within tw (2) business days after yu learn f the lss r theft, and we culd have stpped smene frm taking mney withut yur permissin had yu tld us, yu culd lse as much as $500 f the disputed amunt. If yur mnthly statement shws withdrawals, depsits, transfers r purchases that yu did nt make r authrize, yu must ntify us at nce. If yu d nt ntify us within sixty (60) days after the accunt transactin detail infrmatin was transmitted r mailed t yu, and we culd have stpped smene frm taking mney if yu had tld us in time, yu may nt get back any mney lst after the sixty (60) days. If there are extenuating circumstances that kept yu frm telling us, the time perids in this sectin may be extended. B. Preventing Misuse: Yu understand and agree that it is extremely imprtant that yu take an active rle in the preventin f any wrngful use f yur accunt. If yu find that yur recrds d nt agree with urs, yu agree t immediately call Clrad Federal Savings Bank at between the hurs f 9:00 a.m. t 5:00 p.m. Muntain Time n any business day. The fllwing guidelines shuld assist yu in ensuring that yur accunts and accunt infrmatin remain secure: D nt send yur Access ID r Passwrd r privileged accunt infrmatin ver any system. D nt leave yur Cmputer unattended while yu are cnnected t Online Banking.

3 D nt enter yur Access ID r Passwrd int Online Banking when there are thers nearby wh culd bserve yu ding s. We recmmend that yu lg ut f Online Banking and clse yur brwser cmpletely after each sessin and/r clear cache and histry. We recmmend that any cmputer yu use t access Online Banking have spyware prtectin, virus prtectin and a persnal firewall. Mrever, keeping yur machine updated with the latest security patches is als gd practice. Prtect Yur Online Banking Passwrd. The passwrd that is used t gain access t Online Banking shuld be kept cnfidential at all times. It is recmmended that yu memrize this passwrd and d nt write it dwn. Yu agree t keep yur passwrd, accunt numbers and ther accunt data cnfidential. If yu believe that yur passwrd may have been lst r stlen, r that smene has transferred r may transfer mney t r frm yur accunt withut yur permissin, yu agree t ntify Clrad Federal Savings Bank at nce. 3. Accessing Yur Clrad Federal Savings Bank Accunts A. Enrllment: Yu must enrll in Online Banking thereby accepting the terms f this Agreement, and have an authrized username and passwrd. In additin, yu must have the required secure Internet brwser sftware as defined by Clrad Federal Savings Bank. B. Eligible Accunts: Each Clrad Federal Savings Bank prduct yu have with us is called an "Eligible Accunt". Eligible Accunts include depsit accunts, lans and lines f credit yu maintain with Clrad Federal Savings Bank. Each f yur Eligible Accunts will cntinue t be subject t the agreement that already applies t it. In the event there is any cnflict between this Agreement and agreement(s) fr yur Eligible Accunts, r if any agreement fr yur Eligible Accunts cntains a prvisin that is nt in this Agreement, yur agreement fr yur Eligible Accunt will take precedence ver this Agreement but nly t the extent it applies t that particular Eligible Accunt. Jint accunt wners have the right t any infrmatin r t make any request assciated with their accunt. Please refer t the agreement(s) gverning yur Eligible Accunts fr mre infrmatin. C. Linked Eligible Accunts: All Eligible Accunts will be linked tgether and will appear tgether nly if yur tax identificatin number is assciated with the accunt and the accunt wnership meets Clrad Federal Savings Bank authrized access requirements. This means, fr example, that when yu access the Online Banking Service, yu will be able t view and access at a single time any cnsumer accunts that meet the criteria as stated abve.

4 D. Nn-Eligible Accunts: Nt all accunts are eligible Clrad Federal Savings Bank accunts. As an example, accunts with tw signatures required and ther such restrictins are nt eligible Clrad Federal Savings Bank accunts. E. New Services: Clrad Federal Savings Bank may, frm time t time, ffer and intrduce new Online Banking services. Clrad Federal Savings Bank will ntify yu f the existence f these new prducts and services. By using these services when they becme available, yu agree t be bund by the rules, which will be cmmunicated t yu, cncerning these services. F. Fees: There may be mnthly r transactin fees fr accessing yur accunt(s) thrugh the Internet, including the Online Banking Access Fee fr services perfrmed within the Online Banking Prduct. Online Banking fees are included in ur Fee Schedule which is available n ur web site. Please nte that yur accunt may be charged fr ther fees accrding t the initial disclsures prvided at accunt pening r under ther disclsures and schedules prvided t yu frm time t time. Fees may als be assessed by yur Internet service prvider. 4. Terms and Cnditins Prir t submitting yur applicatin fr a new accunt using ur Online Banking yu will be required t "Agree" t all f the terms and cnditins f this Agreement and acknwledges yur receipt and understanding f all disclsures included in r with this Agreement. In additin t this Agreement, yu must als cnfirm and agree t the terms f the Online Statement and Alert Delivery Agreement and E-Sign Disclsure and Cnsent. A. Yur Online Banking Passwrd: Yu must select a passwrd the first time yu request access t yur Clrad Federal Savings Bank accunt(s). D nt use as yur passwrd wrds r numbers that are easily assciated with yu, such as yur name, scial security number, address r birth date. Yu are authrizing Clrad Federal Savings Bank t act n instructins received under yur passwrd. Yu are respnsible fr keeping yur passwrd, accunt number(s) and ther accunt data cnfidential at all times. B. Our Liability: Except as specifically prvided fr in this Agreement r where the law requires a different standard, yu agree that neither Clrad Federal Savings Bank nr the Internet service prvider shall be respnsible fr any lss, prperty damage r bdily injury, whether caused by Clrad Federal Savings Bank, equipment, sftware, r Internet service prviders r any agent r subcntractr f any f the freging. Nr shall Clrad Federal Savings Bank r the Internet service prviders be respnsible fr any direct, indirect, special r cnsequential, ecnmic r ther damages arising in any way frm the

5 installatin, use r maintenance f the equipment, sftware r Internet brwser r access sftware. C. Changes t Fees r Other Terms: We reserve the right t change the fees r ther terms described in this Agreement r t add new fees and terms. Hwever, when changes are made t any fees, we will ntify yu n-line, r will send a ntice t yu at the address shwn n ur recrds. All ntices will be sent at least thirty (30) days in advance f the effective date f the change, unless an immediate change is necessary t maintain the security f the system. If such a change is made, and it can be disclsed withut jepardizing the security f the system, we will prvide yu with written r electrnic ntice within thirty (30) days after the change. By cntinuing t use the accunts r services t which these changes relate, yu are accepting the changes. Changes t fees applicable t specific accunts are gverned by the applicable Accunt Disclsure and Agreement and Fee Schedule. D. Disclsure f Accunt Infrmatin: Yu authrize Clrad Federal Savings Bank t disclse t selected third parties abut yur accunt r the transactins yu make as set frth in Clrad Federal Savings Bank' Privacy Plicy prvided t yu at accunt pening and which may be mdified frm time t time. Yu can als access this plicy by clicking the "Privacy Plicy" link n ur Web site. E. Other General Terms: In additin t this Agreement, yu agree t be bund by and will cmply with the requirements f the applicable Accunt Disclsure and Agreement, initial disclsures, ther disclsures and schedules (as the same may be mdified frm time t time), the terms r instructins appearing n a screen when using the Online Banking Service, Clrad Federal Savings Bank's prcedures and plicies applicable t each Eligible Accunt and each Online Banking Service, the rules and regulatins f any funds transfer system t which Clrad Federal Savings Bank belngs, and all applicable Federal and State laws and regulatins. Clrad Federal Savings Bank reserves the right t terminate this Agreement and yur access t Online Banking in whle r in part, at any time withut prir ntice. If yu d nt access yur accunts via the Internet fr any six (6) mnth perid, Clrad Federal Savings Bank reserves the right t discnnect yur service withut ntice. Yu agree t be respnsible fr any telephne charges incurred by yu in accessing yur accunts thrugh Online Banking. 5. Other Infrmatin

6 Balance Inquiries and Transfers Yu may access yur Clrad Federal Savings Bank accunt(s) thrugh Online Banking by ging t yu may: transfer funds frm savings t savings (if applicable) make ACH transfers t r frm the accunt that was riginally accessed t fund yur accunt with us transfers are nly allwed t and frm yur verified linked external accunt, Clrad Federal Savings Bank will reject all transfers nt created thrugh the Online Banking system get infrmatin abut: the accunt balance f savings accunts, checking accunts, lan accunts, and certificates f depsit accunts accunt histry In rder t initiate ne f these transactins, yu must first use yur passwrd and lgin name t btain access t the Online Banking Services. The balance shwn n yur PC may include depsits still subject t verificatin by us. The balance shwn als may differ frm yur recrds because it may nt include depsits in prgress, utstanding checks, r ther withdrawals, r charges. A funds transfer request will nt result in immediate funds availability because f the time required t prcess the files. A transfer may take 2 t 3 business days t prcess and may require additinal prcessing time depending n the needs f yur external institutin. The deadline fr funds transfer requests is 5:00 p.m. Muntain time fr same business day prcessing t begin. Any funds transfer requests received after 5:00 p.m. Muntain time will nt begin t be prcessed until the fllwing business day. If there are insufficient available funds in an accunt frm which yu are requesting a funds transfer, the transfer will nt be initiated. Fr mnetary transfers between accunts at Clrad Federal Savings Bank, the accunts must have the same passwrd and have at least ne tax identificatin number in cmmn. There are frequency limits that may apply when transferring funds frm a savings accunt. Yu may make a maximum f six (6) preauthrized r autmatic transfers per mnthly statement cycle n a savings accunt. Statements All f yur payments and funds transfers made thrugh Online Banking will appear n yur accunt statement(s). Clsing yur Accunt When yu clse yur Online Banking accunt, the accunt balance will be transferred by ACH t the accunt that was riginally accessed t fund yur accunt with us. Please call custmer service when clsing yur accunt.

7 Equipment We are nt respnsible fr any lss, damage r injury resulting frm an interruptin in yur electrical pwer r telephne service; the discnnecting f yur telephne line by yur lcal telephne cmpany r frm deficiencies in yur line quality; r any defect r malfunctin f yur PC, mdem, r telephne line. We are nt respnsible fr any services relating t yur PC ther than thse specified in this Agreement. If any equipment failure ccurs in any way relating t yur PC, mdem, r telephne line, Clrad Federal Savings Bank is nt respnsible. Preauthrized Transfers Yu may make arrangements fr certain direct depsits t be accepted int yur savings accunt(s). Yu may als make arrangements t pay certain recurring bills fr yur savings accunt(s). If yu have arranged t have direct depsits made t yur accunt at least nce every sixty (60) days frm the same persn r cmpany yu can call us at t find ut whether r nt the depsit has been made. Nt applicable n all accunts. Right t Stp Preauthrized Payments and Prcedure: If yu have tld us in advance t make regular payments ut f yur accunt, yu can stp any f these payments. Call, write r us at the telephne number, address r address listed in this disclsure, in time fr us t receive yur request three (3) business days r mre befre the payment is scheduled t be made. If yu call, we may als require yu t put yur request in writing and get it t us within furteen (14) days after yu call. We will charge yu $20.00 fr each stp payment rder yu give. Ntice f Varying Amunts: If these regular payments may vary in amunt, the persn yu are ging t pay will tell yu, ten (10) days befre each payment, when it will be made and hw much it will be. (Yu may chse instead t get this ntice nly when the payment wuld differ by mre than a certain amunt frm the previus payment, r when the amunt wuld fall utside certain limits that yu set). Liability fr Failure t Stp Payment f Preauthrized Transfer: If yu request a stp payment fr ne f these payments three (3) business days r mre befre the transfer is scheduled, and we d nt d s, we will be liable fr yur lsses r damages up t the amunt f the payment at issue. Failure t Make Transfers: If we d nt cmplete a transfer t r frm yur accunt n time r in the crrect amunt accrding t ur agreement with yu, we will be liable fr yur lsses r damages up t the amunt f the transfer. Hwever, there are sme exceptins. We will nt be liable, fr instance: If, thrugh n fault f urs, yu d nt have enugh mney in yur accunt t make the transfer. If the system was nt wrking prperly and yu knew abut the breakdwn when yu started the transfer.

8 If yu have tld us that yur passwrd was lst r stlen. If, in the case f a preauthrized credit r debit t yur accunt, a third party des nt send yur mney t us n time r des nt send us the crrect amunt, r we nt have the required authrizatin t perfrm the transactin. If circumstances beynd ur cntrl (such as fire r fld) prevent the transfer, despite reasnable precautins that we have taken. There may be ther exceptins stated in ur agreement with yu. Errr Reslutin Ntice Ntice In case f errrs r questins abut yur electrnic transfers, call r write us at the telephne number r address listed in this Agreement as sn as pssible, if yu think yur statement is wrng r if yu need mre infrmatin abut a transfer listed n the statement. We must hear frm yu n later than 60 days after we sent the FIRST statement n which the prblem r errr appeared. 11. Tell us yur name and accunt number (if any). 12. Describe the errr r the transfer yu are unsure abut, and explain as clearly as yu can why yu believe it is an errr r why yu need mre infrmatin. 13. 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 10 business days. We will determine whether an errr ccurred within 10 business days (20 business days if the transfer invlved a new accunt) after we hear frm yu and will crrect any errr prmptly. If we need mre time, hwever, we may take up t 45 days (90 days if the transfer invlved a new accunt) t investigate yur cmplaint r questin. If we decide t d this, we will credit yur accunt within 10 business days (20 business days if the transfer invlved a new accunt) 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 ask yu t put yur cmplaint r questin in writing and we d nt receive it within 10 business days, we may nt credit yur accunt. Yur accunt is cnsidered a new accunt fr the first 30 days after the first depsit is made, unless each f yu already has an established accunt with us befre this accunt is pened. We will tell yu the results within three (3) business days after cmpleting ur investigatin. If we decide there was n errr, we will send yu a written explanatin. Yu may ask fr cpies f the dcuments that we used in ur investigatin.

9 Business Days/Hurs f Operatin Online Banking is available 24 hurs a day, seven days a week, except during maintenance perids fr mdificatins r upgrades.

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