Online Banking Application

Online Banking Application In this Agreement the words you and your mean each person who signs this Application. The words we, us and our mean ALABAMA TEACHERS CREDIT UNION. The word PIN means your Personal Identification Number used on our 1-800 (MIC) line. The word Password is the word chosen by the member for account verification. The word Account means those accounts with us whom you may access by use of your PIN or PASSWORD and the Online Banking System. The On-Line Banking System is a system that may be accessed by an on-line computer through which, when used in conjunction with a PIN or PASSWORD, an electronic fund transfers or electronic inquiry may be initiated. Joint Account Holders must have authorization from the Primary Account Holder to access online banking. Account Number: E-Mail Address: Primary Account Holder Name PRINTED Primary Account Holder Signature Business Name ATCU Representative Signature FOR CU USE ONLY: I-Power Keyed: VT Admin (Multipoint) Keyed: Notes: By: By: Member Request Referral Referred to: Recommendation Recommended by: Revised 07.27.2012 DS

ATCU PC Branch Instructions and Guidelines To enroll in our Online Banking program: 1. Visit www.atcu.com. 2. You ll be directed to our Home Page. On that page you ll see a box at the top, left-hand corner labeled Online Banking and Bill Pay Login. 3. In the USERNAME box, enter your BASE account number (five digits or less). 4. In the PASSWORD box, enter the word PASSWORD (in all caps). This lets the system know this is your first time logging in. 5. Click on the LOGIN button. 6. You will be redirected to ATCU s Online Banking Service Agreement and Disclosure. Read over the terms. If you agree to them, click on the ACCEPT button. 7. On the following screen you will need to customize your password. Your new password should be 6-8 characters long and should include three of the following characteristics: a. Upper case letter(s) b. Lower case letter(s) c. Number(s) d. Special Character(s) such as!, #, $, %, etc. An example of what your new password could be is: Name10! (Please do not use this as your password this is just an example.) Your new created password will be what you use each time you log in your Online Banking account. Registering for e-statements You can check your account balances and history on your Online Banking page anytime you like. When you sign up for e- Statements by providing a valid email address, you can be notified by email when your statement is available and ready to view online. Here s how: Visit www.atcu.com and login to your Online Banking account by entering your base account number and password in the fields in the upper, left-hand corner of the home page. Once you have logged into your Online Banking page, go to the SERVICES tab at the top of the screen. Click on REGISTER OR UNREGISTER FOR E-STATEMENTS. Enter the email address where you would like your e-statements sent. Choose the account for which you would like e-statement reports. Click on CONTINUE. Alabama Teachers Credit Union Online Banking Internet Banking Service Agreement and Disclosure This Agreement is the contract that covers your and our rights and responsibilities concerning Online Banking Internet Banking Services offered to you. The words "you" and "yours" mean those who complete the Online Banking application on line. The words "we", "us", and "our" mean Alabama Teachers Credit Union located at 702 Walnut St, Gadsden, AL 35901, phone number (256) 543-7040 or toll free at 1-800-470-0704. By completing the Online Banking registration, you agree to the terms and conditions governing your and our rights and responsibilities concerning the Online Banking electronic funds transfer service. Electronic funds transfers (EFT) are electronically initiated transactions involving your deposit and loan accounts at the Credit Union through your personal computer. Online Banking Requirements You must be a member in good standing and agree to the terms and conditions of Alabama Teachers Credit Union's Online Banking Agreement and Disclosure. To use Online Banking, you need a computer with a modem, Internet access and a web browser that supports 128-bit encryption (such as Microsoft Internet Explorer 5.5 or above; or Netscape Navigator 4.0 or above). Online Banking is best viewed with Microsoft Internet Explorer 5.5 or above or Netscape 4.61 or above. If your computer is a Mac and you are having problems accessing your account using Netscape Navigator, it is suggested that you download Internet Explorer's latest version and attempt access. ATCU is committed to providing the most secure Internet service. When you interact with ATCU on this secure site, all the information is encrypted or encoded. Encryption is a procedure for turning plain text or other information into an unrecognizable pattern of data. 128-bit encryption is the strongest form of Web browser encryption commonly available for use on the Internet, and you must use a browser that supports 128-bit encryption to access your accounts. You are responsible for the set-up and maintenance of your computer and modem. We are not responsible for any errors or failures from any malfunction of your computer or any virus or other problems related to the use of the Internet Banking Services. Online Banking Self Registration

If you currently have a 4-digit PIN setup on our Member Information Connection (MIC) phone number (800-910-4808), you may register online by going to our website www.atcu.com. Click on our ATCU Online Banking login located directly on our website home page and follow the instructions. If you do not meet the requirements, or do not have a 4-digit PIN, your online access will be denied. You may contact a member services representative locally at 256-543-7040 or toll free at 1-800-470-0704 for further assistance. Online Banking Access Upon approval, you may use your personal computer to access your accounts. You must use your Online Banking user name and password to access your accounts. Availability of Online Banking Internet Service Online Banking services are generally available 24 hours a day, 7 days a week, 365 days a year except for those times that the system is unavailable due to back-up procedures or maintenance. We are not liable under this Agreement for failure to provide access due to a system failure or due to other unforeseen acts. We may modify, suspend, or terminate access to the Online Banking Internet Banking Services at any time and for any reason without notice. Online Banking Services You can use Online Banking to access all accounts that are linked to your social security number. At your request, you may remove access to any account or sub-account that has your social security number. At the present time, you may use the following Online Banking services: Account Information - You may review balances and transaction history on all accounts and sub-accounts existing under your user name. Your account balances are online and include all transactions that have been posted to your account up to that point in time. However, the availability of funds for transfer or withdrawal may be limited due to our Funds Availability Policy. The transaction history information may be limited to recent account information involving your accounts. Transfers - You may make transfers to your accounts or other accounts that you are authorized on as often as you like except for those accounts with transfer limitations as disclosed when you opened the account and any amendments to that disclosure. Transfers and bill payments from your savings and club accounts will be limited to a total of six (6) (Federal Regulation D) in any one calendar month. You may transfer or withdraw up to the available balance in your account at the time of the transfer, except as limited under this Agreement or your deposit. We reserve the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. Transactions involving your accounts will be subject to the terms of your Membership and Account Agreement; and transactions involving a line of credit account or Home Equity Loan will be subject to your Credit Agreement and Disclosures as applicable. Request a Check - You may request a check withdrawal from any savings, checking or club account (excluding IRA and Share Certificate accounts). A check will be issued payable to the member and all joint owners and mailed to the address on record at the Credit Union. Reorder Checks - You may reorder additional checks in the same format as your last order from us. E-mail - You may send communications directly to the Credit Union. However, the Credit Union may not immediately receive e-mail communications that you send and the Credit Union will not take action based on e-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction, you may call the Credit Union locally at 256-543-7040 or toll free at 1-800-470-0704. Change Password - You may select a new password for your account access at any time. Quicken or Microsoft Money - You may download your account information to financial management software programs, if applicable. E-statements/Electronic Transmissions- You may register to receive E-statements/Electronic Transmissions online instead of receiving paper statements/notifications. View Pending Debit Card/ACH Transactions- You may view pending transactions that may be holding on your account. Check Copies- You may view and print check copies of your cleared checks. Bill Pay- You may sign up to use Bill Pay services that allow you to submit single or recurring payments, set payment reminders, view & print copies of cleared bill pay checks. Authorized Use Your user name and password will be your Online Banking home signature and you can use it to access all accounts that are linked to your social security number. Members that are joint owners on other accounts will also have access to those accounts. At your request, you may remove access to any account or sub-account that has your social security number. Security of User Name and Password You are responsible for safekeeping of your user name and password. You agree not to disclose or otherwise make your user name and password available to anyone not authorized to sign on your accounts. If you fail to maintain the security of your user name and password and Alabama Teachers' Credit Union suffers a loss, we may terminate your Online Banking account services immediately. Revealing your user name and password will grant access to those accounts by unauthorized individuals. To ensure the security of your Online Banking account, we will return you to the Log On screen if no activity has occurred within ten (10) minutes. Member Liability You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use your user name and password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your user name and password or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Online Banking transactions, if you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or user name and password, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was either mailed to you or sent by electronic delivery, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized transactions. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will consider the time period. If you believe that someone has used your user name and password or has transferred or may transfer money from your account without your permission, call us locally at 256-543-7040 or toll free at 1-800-470-0704.

Immediately change your password if you think it has been compromised. Business Days Our business days are Monday through Friday, excluding holidays. Fees and Charges Currently there are no fees to use Online Banking. All standard fees (NSF, Stop Payment, etc.) set forth in our fees and charges schedule apply. ATCU reserves the right to charge for Online Banking account access or transactions in the future. You will be given at least 30 days advance notice before ATCU implements any changes to fees or adds any new fees for Online Banking service. Right to Receive Statements All of your Online Banking transactions will appear on your regular account statement. The Credit Union will not provide separate documentation of this activity. You may print the confirmation of each transaction from your computer screen for your records. Account Information Disclosure We will disclose information to third parties about your account or the transfers you make: where it is necessary for completing transfers; or in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or in order to comply with government agency or court orders; or if you give us written permission Credit Union Liability for Failure to Make 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: If through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit, if applicable. If you used the wrong password or you have not properly followed any applicable computer or Credit Union user instructions for making transfer and bill payment transactions. If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. If circumstances beyond our control (such as fire, flood, telecommunication outages, strikes, equipment or power failure) prevent making the transaction. If the funds in your account are subject to an administrative hold, legal process or other claim. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer or in the event we receive conflicting information. If the error was caused by a system beyond the Credit Union's control such as a telecommunications system or Internet Service Provider. If there are other exceptions as established by the Credit Union. Termination of Electronic Fund Transfer Services You agree that we may terminate this Agreement and your electronic fund transfer services if you, or any authorized user of your Online Banking services or password, breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your accounts or password. You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. Online Banking services may be terminated to those members that cause a loss to the Credit Union. Notices The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will either mail or email (depending on if you have signed up to accept Electronic Transmissions) notice to you at least thirty (30) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations. Governing Law This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of Alabama where you opened your account and the By-laws of the Credit Union as they now exist or may thereafter be amended. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of this Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement between us. Enforcement You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. Error Resolution In case of errors or questions regarding your Online Banking transactions, call us locally at 256-543-7040 or toll free at 1-800-470-0704 or write to us at Alabama Teachers' Credit Union, P.O. Box 1400, Gadsden, AL 35902 as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number. Describe the error or the 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. 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 ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United

States). If we decide to do this, we will re-credit your account within ten (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. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. If it is determined there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. Electronic Fund Transfers Disclosure Statement YOUR ACCESS DEVICE AND ELECTRONIC FUND TRANSFERS: YOU CANNOT TRANSFER MONEY INTO OR OUT OF YOUR ACCOUNT UNTIL WE HAVE VALIDATED YOUR USE OF OUR ELECTRONIC FUND TRANSFER SYSTEM. Any disclosures concerning electronic fund transfers, including rights and liabilities under the Electronic Fund Transfers Disclosure Statement, apply only to consumer accounts used primarily for personal, family, or household purposes. YOU CANNOT USE THE ALABAMA TEACHERS CREDIT UNION PERSONAL BRANCH SYSTEM UNTIL YOU HAVE OBTAINED YOUR PERSONAL IDENTIFICATION NUMBER (PIN). You may obtain your PIN following the steps listed in the system. When the personal identification number is obtained, the system will then be validated and may be used through any Online Computer. Your ALABAMA TEACHERS CREDIT UNION CHECK CARD(S) may be used at any PULSE Networks location and at merchants and other businesses honoring the Visa Debit Card when used with your PIN provided the accounts have been authorized for use. ACCOUNT ACCESS: The following types of transactions may be made with your accounts: Preauthorized Deposits made directly from other persons into your Share account Preauthorized Deposits made directly from other persons into your Share account Preauthorized transfers made directly to other persons from your Share account Preauthorized transfers made directly to other persons from your Share account Your Service Card may be used at any ATM location providing access to the PULSE and CIRRUS Networks. Additional networks may be added at some later date. You will be notified of any additions by us. When used with your PIN, the Service Card will allow you to initiate any of the following transactions, provided the accounts have been authorized for use. You may make: Cash Withdrawals from Shares Cash Withdrawals from Share Transfers from Share to Share Transfers from Share to Share Your PIN may be used with any TouchTone telephone to access the Member Information Connection, which will allow you to initiate any of the following transactions provided the accounts have been authorized for use. You may make: Transfers from Share to Share Transfers from Share to Loan Transfers from Share to Advances from Loan to Share Transfers from Share to Share Loan Advances from Loan to Share Your PIN may be used with an On-Line Computer to allow you to initiate any of the following transactions, provided the accounts have been authorized for use. You may make: Cash Withdrawal from Shares Cash Withdrawal from Share Listing of 10 Previous Transactions Bill Payments to Third Parties Transfer from Share to Share Transfer from Share to Share Cash Advance under an existing open-end loan: Balance Inquiries for Share and Share Accounts Transfer from Share to Loan Transfer from Share to Loan Using the Check Card for ATM card purposes you may make: Cash Withdrawal from Shares Transfers from Share to Share Cash Withdrawal from Share Transfers from Share to Shares Balance Inquiry for Share and Share Using the Check Card for debit card purposes you may make cash withdrawals from your Share Account. Electronic Check Conversion: You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases and to pay a bill. LIMITATION ON FREQUENCY OF TRANSFERS: For security reasons, there are limits on the number of transfers you can make using our systems. Contact accounting department for details. LIMITATIONS ON DOLLAR AMOUNTS OF TRANSFERS: For security reasons, there are limitations on the dollar amount of transfers you can make using our systems. Contact accounting department for details. There is a daily debit card transaction limit of $2000.00 BUSINESS DAYS: Our business days are Monday through Friday. Holidays are not included. Of course, the systems are open at times other than the business days of our credit union. SUMMARY OF YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS: Tell us AT ONCE if you believe your card(s) or personal identification number (PIN) has (have) been lost or stolen. Telephoning is the best way of keeping possible losses down. For Check Card transactions other than Visa Commercial cards, Visa or Plus* ATM or any ATM transactions your liability is $0 (zero). For other transactions if you do not tell us within two (2) business days after you learn of the loss or theft of your Card(s) or PIN, your liability is $50. In such cases, if you do not tell us within two (2) business days after you learn of the loss or theft of your Card(s) or PIN, and we can prove we could have stopped someone from using your Card(s) or personal identification number (PIN) without your permission if you had told us, you could lose as much as $500.00. For other

transactions, you could lose all the money in your account(s) (plus your maximum overdraft line of credit and open-end credit). If you tell us within 2 business days, you can lose no more than $50.00 if someone used your Card(s) and PIN without your permission. If you believe your Card(s) or PIN has (have) been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more, than $50.00 if someone used your Card(s) and personal identification number (PIN) without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your card(s) or PIN, and we can prove we could have stopped someone from using your card(s) or personal identification number (PIN) without your permission if you had told us, you could lose as much as $500.00. These limits of liability may be exceeded, to the extent allowed under applicable law, if the Card issuer determines that a cardholder has handled the account in a fraudulent or grossly negligent manner. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back 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 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. The 60-day dispute timeframe applies to consumer accountholders only. If you believe your card and/or PIN has (have) been lost or stolen, call (256) 543-7040 or write us at ALABAMA TEACHERS CREDIT UNION, Post Office Box 1400, Gadsden, AL 35902-1400. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. SERVICE CHARGES: A list of the fees and charges which are applicable to your electronic fund transfers is disclosed on the accompanying Fee Schedule. In addition, each account affected by the transaction use will be subject to the regular service charge imposed for that specified account as set forth in the Fee Schedule. SUMMARY OF YOUR RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS: You can get a receipt at the time you make any transfer to or from your account using one of the ATM terminals. If you have arranged to have direct deposits made to your account at least once every sixty days from the same person or company, you can call us at (256) 543-7040 to find out whether or not the deposit has been made. You will get a monthly account statement (unless there are no transfers in a particular month). In any case, you will get a statement at least quarterly. SUMMARY OF YOUR CREDIT UNION S LIABILITY FOR FAILURE TO MAKE TRANSFERS: If we do not complete a transfer to or from your account on time or incorrect amount according to our agreement with you, we will be liable for your losses for damages as required by Federal law. However, there are some exceptions. We will not be liable, for instance: If through no fault of ours, you do not have enough money in your account to make the transfer; If the transfer would go over the credit limit on a loan; If the ATM terminal where you are making the transfer does not have enough cash; If the ATM terminal or system was not working properly, and you knew about the breakdown when you started the transfer; If the circumstances beyond our control (such as fire or flood) prevent the transfer, despite reason able precautions that we have taken; If the system was not working properly, and you knew about the breakdown when you started the transfer; If the funds in your account are subject to a court order or other restriction preventing the transfer; and There may be other exceptions stated in our agreement with you. CIRCUMSTANCES UNDER WHICH WE WILL DISCLOSE ACCOUNT INFORMATION TO THIRD PARTIES: The Credit Union will disclose information to third parties about your account or transfers you made: When it is necessary to complete the transfers; In order to verify the existence and conditions of your account for a third parry such as a credit bureau or merchant; In order to comply with a government agency or court orders; or If you give us written permission SUMMARY OF OUR ERROR RESOLUTION PROCEDURE IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: In Case Of Errors Or Questions About Your Electronic Transfers, telephone us at (256) 543-7040 or write us at ALABAMA TEACHERS CREDIT UNION, Post Office Box 1400, Gadsden, Alabama 35902-1400 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 the FIRST statement on which the problem or error appeared. * Tell us your name and account number (if any). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. * Tell us the dollar amount of the suspected error. * If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days* after we hear from you and will correct any error promptly. If we need more time, we may take up to 45** days to investigate your complaint or question, if we decide to do this, we will 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. If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within 5 business days unless we determine that the circumstances of your account history warrant a delay, in which case you will receive credit within 10 business days. If we ask you to put your complaint or question in writing, and we do not receive it within 10 business days, we may credit your account. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of 10 business days. ** If you give notice of an error within 30 days after you make (1) the first deposit to your account, or (2) a point of sale transaction, or (3) a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to invest