Metro Plus Credit Union Online Banking

Metro Plus Credit Union ONLINE BANKING SERVICE AGREEMENT

Please review the terms and conditions below and click the “I Agree” button to continue. By clicking “I Agree” or using the Service, you accept and are bound by these terms and conditions.

This Metro Plus Credit Union Online Banking Service agreement (“Agreement”) is between Metro Plus Credit Union (hereinafter “we, us, our, Metro Plus, or Credit Union”), and each member who has enrolled in the Metro Plus Credit Union Online Banking Service (“Service”), together with any person who is authorized by a member to use or access the member’s Metro Plus Credit Union Online Banking Service (hereinafter referred together as “you, your, or yours.”)

You understand that by "accepting" below, using or continuing to use these services, you agree to the terms and conditions of this Agreement, including any instructions provided in connection with the services as modified from time to time. You warrant and agree that you will not use Credit Union accounts or services, including but not limited to loans, to make or facilitate any illegal transaction(s) as determined by applicable law; and that any such use, including any authorized use, will constitute a breach of this Agreement. You agree that the Metro Plus Credit Union will not have any liability, responsibility, or culpability whatsoever for any such use by you or any authorized user(s). You further agree to indemnify and hold the Credit Union harmless from any suits, liability, loss, damages, or adverse action of any kind that results directly or indirectly from such use.

Definitions

Unless otherwise defined herein, the definitions contained in the Membership Agreement shall be applicable to this Agreement.

"Access Device" means any card, code, password, personal identification number or other means or access that we issue to you to allow you to access and/or use any account or service.

"Authorized User" means any person who has actual, implied or apparent authority, or who any owner has given any information, access device or documentation that enables such a person to access, withdraw, make transactions to or from your accounts, or to use any of your account services. This definition is intended to be construed broadly and includes without limitation all users acting under a written document such as a power of attorney as well as any person or entity that is authorized to make deposits, withdrawals, or transfers to or from your accounts with us.

"Account" means a checking, savings, certificate, or other asset or credit (loan, credit card, etc.) account that you have with us for personal, family, household or other use as more fully described in the Membership Agreement.

"Account Access" means your ability to access account and transaction information on Accounts and transfer funds between Accounts through the Internet.

"Business Day" is considered every day except Saturdays, Sundays, and federal holidays

"Transaction or transactions" means any deposit, order, payment, transfer, withdrawal, or other instruction relating to any account or account services provided by the Credit Union.

"Electronic" means electrical, digital, magnetic, wireless, optical, or electromagnetic technology, or any other technology that entails similar capabilities.

"Transfer" means any electronic banking transaction, including a deposit, withdrawal, or loan payment made electronically.

Eligibility

In order to activate the Metro Plus’ Online Banking Service with us, you must be a member or joint owner in good standing. When using the credit union’s Online Banking Service, you must, when prompted, enter your member number or user name, Metro Plus’ Online Banking password or personal identification number and any other requested information. By entering the correct information, you will have direct access to your Credit Union accounts. If you authorize anyone to use your Metro Plus Online Banking password in any manner, that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your Metro Plus Online Banking password immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized, and your Metro Plus Online Banking password is changed. If you fail to maintain or change the security of your Metro Plus Credit Union Online Banking password and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. You should keep your Metro Plus Credit Union Online Banking password in a secure location. Any person having access to your Metro Plus Online Banking password will be able to access the Metro Plus Online Banking Service and perform all transactions, including reviewing Account information and making transfers to other Accounts and to other persons.

Account Access

Upon approval, you may use your personal computer or mobile device to access your accounts. You must use your User ID along with your Online Banking password to access your accounts. The Metro Plus Credit Union Online Banking Service is accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the Metro Plus Credit Union Online Banking service may not be available due to system maintenance. You will need a personal computer and a web browser or mobile device. You are responsible for the installation, maintenance, and operation of your computer and modem. The Credit Union will not be responsible for any errors or failures involving any telephone or cable service or your computer.

In an effort to provide the highest degree of confidentiality and security, we require the use of a browser that provides encryption using a 256-bit key. The higher the level of encryption, the harder it is for unauthorized people to read your information. We recommend you protect your valuable financial information by using the most secure encryption available. The Credit Union is not liable for losses resulting from the use of 40-bit encryption. If you elect to use the 40-bit browser, this implies your acceptance of that risk.

You can use the Metro Plus Credit Union Online Banking Services to access your accounts with us. The Metro Plus Credit Union Online Banking Service allows you to:

• See a summary of your accounts.

• View Account balances.

• Review recent transactions.

• Transfer funds between Accounts.

• Transfer money to pay balances on Accounts with us.

• Place a stop payment order for a check.

• Request a check from your account.

• ACH- ACH allows you to establish preauthorized transactions from your Metro Plus Credit Union share and share draft accounts to another financial institution for deposit or loan payment. This service also allows you to originate an ACH transfer from another financial institution to make a loan or VISA payment at Metro Plus Credit Union. There are transfer limitations for this service.

• Access Bill Pay

• Access to VISA® Credit Card account information.

• Authorized use- online banking- User ID and password are issued to members and joint owners. With your User ID you will have access to any account you are on. You may add authorized users for account access and determine permissions for these users.

• Apply for a loan.

• Change your password for the Metro Plus Credit Union Online Banking Service.

• Change your User ID for the Metro Plus Credit Union Online Banking Service.

• Debit Card Management • Make transfers from/to external accounts

• P2P- Person to Person service is a fast, safe, easy way to send money to family and friends. The transfer could take up to 3 business days to be received by the recipient. The transaction must be completed by 3 pm to be processed that business day

• Quicken® or Microsoft Money®- Download your account information to financial management software programs, if applicable. This service requires you to leave Metro Plus online banking.

• Plaid- Members may connect certain applications to their financial institutions using Plaid. Use of any service or applications that utilizes Plaid is at the member's own risk. The Credit Union has no control over any services provided by Plaid. The Credit Union makes no representations regarding the security of any data transferred to or otherwise made available to Plaid. In agreeing to provide Plaid Connectivity services to customer, provider is not an insurer of the data that the member may choose to transfer or make available to Plaid. The Credit Union has disclaimed all warranties, conditions, and representations of any kind, whether express, implied, statutory, or otherwise, including those related to merchantability, fitness for a particular purpose, non-infringement, and arising out of course of dealing or usage of trade.

• Receive and send electronic messages to the Credit Union. You understand that we may not immediately receive e-mail communications that you send and will not take action based upon e-mail requests until we actually receive your message and have reasonable opportunity to act. If you need to contact the Credit Union immediately, you may call 859-258-3990, Monday through Friday, 8:30 AM to 5:00 PM ET. You understand that we may require that you document any oral request in writing before taking some actions.

• Re-order checks for your checking Account.

• Unlock your Metro Plus Credit Union Online Banking Service.

• Update Email address, phone numbers and mailing address- You may update your email address, phone numbers and mailing address. A notification of these updates will be sent to you.

Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement and transactions involving a credit account will be subject to your Loan Agreement and Disclosures, as applicable.

Third Party Websites

The Service may contain or reference links to websites operated by third parties ("Third Party Websites"). These links are provided as a convenience only. Such Third Party Websites are not under our control. We are not responsible for the content of any Third Party Website or any link contained in a Third Party Website. We do not review, approve, monitor, endorse, warrant, or make any representations with respect to Third Party Websites, and the inclusion of any link in the Service or any other services provided in connection with it is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification, or monitoring by us of any information contained in any Third Party Website. In no event will we be responsible for the information contained in such Third Party Website or for your use of or inability to use such website. Access to any Third Party Website is at your own risk, and you acknowledge and understand that linked Third Party Websites may contain terms and privacy policies that are different from ours. We are not responsible for such provisions, and expressly disclaim any liability for them.

Text Message Banking Services Terms and Conditions Disclosure:

You hereby acknowledge and accept that each message is sent to you without being encrypted and will include certain information requested on your credit union account(s). You may request and receive text messages concerning your accounts on any text-enabled cell phone. It is your responsibility to determine if your cell phone service provider supports text messaging and your telephone is capable of receiving text messages. The credit union's text alert messages are subject to any of the terms and conditions of your agreement(s) with your cell phone carrier. You are responsible for any fees imposed by your cell phone service provider even if your use of the text alert service causes those fees to change.

Once you activate your cell phone for this service, YOU are responsible for keeping any personal information in your cell phone secure. For your protection, you agree to:

1. Cancel your text alert service if you cancel your service with your cell phone provider.

2. Cancel your text alert service if your cell phone is lost or stolen.

3. Cancel or edit your text alert service if you change your cell phone provider or change your cell phone number.

4. Erase your 'Sent Messages' and 'Inbox' that may contain your text alerts or other sensitive information.

5. Cancel or edit your text alert service at any time that you wish.

You acknowledge, agree and understand that your receipt of any text alert messages may be delayed or prevented by factor(s) affecting your cell phone service provider and/or other factors outside our control. We neither guarantee the delivery nor the accuracy of the contents of any message. You agree to not hold the credit union, including its agents, Plus, or volunteers, liable for any losses, damages or costs that may arise in whole or in part, from:

(a) a non-delivery, delayed delivery, or the misdirected delivery of any message;

(b) inaccurate or incomplete content in any message; or

The credit union provides this service as a convenience to you. We do not use text messaging for any purpose not included in this system and will not respond to text messages sent to us. A text alert message does not constitute an official record for the account to which it pertains. The credit union reserves the right to terminate this service without prior notice to you. All provisions of any agreements or disclosures previously made pertaining to your credit union accounts remain in effect and are not superseded or amended by this agreement.

Online Banking Deactivation

Metro Plus Credit Union reserves the right to deactivate Online Banking after 6 months of inactivity of either mobile banking or online banking. This includes online access, bill payment, internal scheduled transfers, mobile banking and alerts, and other features associated with Online Banking. If you are registered for e-Statements and your Online Banking is deactivated your e-Statements will be disabled and you will receive paper statements. Your account could be subject to a statement print fee.

User ID and Password

Your User ID and password will be your online banking signature and you are responsible for safekeeping of your User ID and password. You agree not to disclose or otherwise make your User ID and password available to anyone not authorized to sign on your accounts. If you fail to maintain the security of your server or your User ID and password and Metro Plus Credit Union suffers a loss, we may terminate your online account services immediately. Revealing your User ID 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 10 minutes.

Liability for Unauthorized access

You are responsible for all transfers you authorize under this agreement. If you permit other persons to use your User ID and password, you are responsible for any transactions they authorize or conduct on any of your accounts. You are also responsible for any transaction an authorized user conducts on your account.

However, tell us at once if you believe anyone has used your User ID and password or accessed your accounts through online banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2 business days, you cannot lose more than fifty ($50.00) if someone accesses your accounts 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 you do not tell us within sixty (60) days after the statement was sent, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time.

If you believe that someone has used your User ID and password or has transferred or may transfer money from your account without your permission, call us at 859-258-3990.

Immediately change your password if you believe it has been compromised.

Transaction and Statement Error Resolution

In case of errors or questions about electronic fund transfers from your share savings and share draft checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appears.

Call us at: (859) 258-3990

or write to:

Metro Plus Credit Union

1306 Versailles Rd. Suite 140

Lexington, KY 40504

Fax: (859) 258-3993

- Tell us your name and account number.

- Describe the electronic 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 ten (10) business days.

We will determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any error promptly.

If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we decide to do this, we will 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 credit your account.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

* If you give notice of an error occurring within 30 days after you make the first deposit to your account, we may take up to 20 business days instead of ten (10) business days to investigate the error.

** If you give notice of an error occurring within 30 days after you make the first deposit to your account, notice of an error involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we may take up to 90 days instead of 45 days to investigate the error. Additionally, for errors occurring within 30 days after you make the first deposit to your account, we may take up to 20 business days instead of ten (10) business days to credit your account.

Fees and charges

Currently there are no fees to use online banking. All standard fees (NSFs, stop payment, etc.) set forth in your rate and fee schedule apply. We reserve the right to institute charges for online banking account access or transactions in the future, but only after written notification to you at least 30 days in advance.

Statements

By entering into this agreement, you understand that Metro Plus Credit Union will no longer be providing you with a monthly and/or quarterly paper statement. Your statements will be available via Home Banking on or around the 5th business day of the month. You will be notified through your e-mail address on file that your E-statement is available. You understand that your statements will include information concerning both your Share/Deposit Accounts and Loan/Credit Card Accounts with the Credit Union, and may include disclosures required under the Truth-In-Lending Act, the Electronic Funds Transfer Act, the Truth-In-Savings Act and/or similar consumer disclosure laws. You agree to the receipt of these consumer disclosures in electronic format described herein.

You will be notified by email each time that a new statement becomes available for your inspection. It is your responsibility to access the statement. You can gain access to your account statements by using any type of computer connected to the Internet and using Adobe Acrobat Reader 8.0 or higher. You will need a printer if you want to create a paper copy of your statements. By requesting to receive your statements electronically, you are telling the Credit Union that you have printing capabilities.

By submitting this request, you authorize the Credit Union to discontinue sending statements via postal mail service and begin sending your statement information electronically. You understand that the statement information received from Metro Plus Credit Union will be encrypted and password protected for your security.

Other Account Related Information

When you agree to accept electronic statements, you also agree to receive some account notices, regulatory information, and marketing information by electronic delivery.

E-Mail Addresses

If you change your e-mail address it is your responsibility to notify us of your new e-mail address as soon as possible to avoid delays in receiving your E-statement notification. You can update your e-mail address through Online Banking. Simply click Account Settings and then click update your email address to update your personal information.

Cancellation of E-Statements

You have the right to terminate your E-statements access and receive paper statements at any time. If you wish to cancel E-statements and resume receipt of paper statements, you must notify Metro Plus Credit Union by calling 859-258-3990 or mail at Metro Plus Credit Union, 1306 Versailles Road, Suite 140, Lexington, KY 40504. If you cancel receipt of E-statements and wish to resume receiving E-statements in the future, it will be necessary for you to go through the sign-up process again.

Metro Plus Credit Union has the right to terminate its obligation to provide Estatements service to you upon ten (10) days prior written notice (e-mail acceptable).

LIMITATIONS ON THE CREDIT UNION'S RESPONSIBILITIES

Our Responsibility for Processing Transactions

If we do not properly complete a transaction according to this Agreement, we will be liable for your losses or damages not to exceed the amount of the transaction, except as otherwise provided by law. We will not be liable if, for example: (1) your account contains an insufficient available balance for the transaction; (2) circumstances beyond our control prevent the transaction; (3) your loss is caused by your or another financial institution's negligence; or (4) your account funds are subject to legal process or other claim. We will not be liable for consequential damages, except liability for wrongful dishonor. We are not responsible for a check or draft that is paid by us if we acted in a commercially reasonable manner and exercised ordinary care. We exercise ordinary care if our actions or nonactions are consistent with applicable state law, Federal Reserve regulations and operating letters, clearinghouse rules, and general financial institution practices followed in the area we serve. You grant us the right, in making payments of deposited funds, to rely exclusively on the form of the account and the terms of this Agreement. Any conflict regarding what you and our Plus say or write will be resolved by reference to this Agreement.

Metro Plus Credit Union Online Banking Service Set-up

Neither we nor any of our service providers are liable for any damages (whether direct, indirect, special, consequential or otherwise), including economic, property, personal, or other loss or injury, whether caused by hardware or system-wide failure, arising or resulting from the use or maintenance of the equipment, or other items necessary to operate the Metro Plus Credit Union Online Banking Service.

Things for Which We Will Not Be Responsible and Further Limitations on Our Liability

We will not be responsible for the following matters, or for errors or failures of the Metro Plus Credit Union Online Banking Service as result of:

1. Access. We will not be liable under this Agreement for failure to provide access or for interruptions in access to the Metro Plus Credit Union Online Banking Service due to a system failure or due to other unforeseen acts or circumstances.

2. Your computer equipment. We will not be liable for any errors or failures from any malfunction of your computer, software or any computer virus or other problems related to your computer equipment used with the Metro Plus Credit Union Online Banking Service. The Credit Union does not make any warranty, express or implied, to you regarding the Quicken or Money software programs including, but not limited to, any warranty of merchantability or fitness for a particular purpose. We are not responsible for any error, damages or other loss you may suffer due to malfunction or misapplication of any system you use, including your internet browser, your Internet service provider, your software or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with the Metro Plus Credit Union Online Banking Service.

EXCLUSIONS OF WARRANTIES

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

MEMBER RIGHTS AND LIABILITY

Privacy and Confidentiality

We recognize the importance of protecting the confidentiality of our members' personal information. Personal information includes all of the personally identifying information that you provide us in connection with your Account and your use of the Metro Plus Credit Union Online Banking Service. However, we may disclose personal information about you to third parties in certain instances:

1. If we have entered into an agreement with another party to provide any of the Metro Plus Credit Union Online Banking Service. In this case, we will provide that party with information about your Account, your Transfers, and your communications with us in order to carry out your instructions.

2. If it is necessary for completing Transfers or otherwise carrying out your instructions.

3. To comply with applicable laws, government agency rules or orders, court orders, subpoenas or other legal process or in order to give information to any government agency or official having legal authority to request such information; or

4. If you otherwise give us your specific permission.

Access to Account Information: You agree that all authorized users will have access to information regarding transactions on your account, including but not limited to transactions, account balances, account history, payments and other information relating to or arising with regard to this account or any transaction using this service.

TERMINATION

The Metro Plus Credit Union Online Banking Service will remain in effect until terminated by you or us. You may cancel the Metro Plus Credit Union Online Banking Service at any time by notifying us of your intent to cancel in writing, via e-mail or calling 859-258-3990 or writing to us at 1306 Versailles Road, Suite 140, Lexington, KY 40504. This cancellation applies only to the Metro Plus Credit Union Online Banking Service and does not terminate your other relationships with us. We may terminate your participation in the Metro Plus Credit Union Online Banking Service for any reason, at any time. We will try to notify you in advance, but we are not obligated to do so. Online banking services may be terminated to those members that cause a loss to the Credit Union.

CHANGES IN TERMS AND OTHER AMENDMENTS.

The Credit Union may change the Metro Plus Credit Union Online Banking Service and the terms, including fees, set forth in this Agreement at any time. You will be notified of any such change as required by applicable law, either by mail or by an electronic message. Your use of these services after any such change will evidence your agreement to any changes. Rejection of the new, modified or amended terms will constitute your termination/cancellation of any services provided pursuant to this Agreement. Upon such termination/cancellation you will remain responsible to pay any sums owed to us pursuant to your existing Agreements with us.

OTHER PROVISIONS.

Enforcement

You are liable to us for any losses, costs, or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs, or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions.

Governing Law

This Agreement is governed by the following, as amended from time to time: the Credit Union's bylaws; local clearinghouse and other payment system rules; federal laws and regulations, including applicable principles of contract law; and the laws and regulations of the state of Kentucky. As permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the Credit Union is located.

Hours of Operation

Our representatives are available to assist you Monday through Friday, 8:30 am to 5:00 PM ET, by calling 859-258-3990, excluding holidays.

Geographic Restrictions

The Metro Plus Credit Union Online Banking Service described in this Agreement and any application for consumer credit, deposit services, and brokerage services available at our Website are solely offered to citizens and residents of the United States of America residing in the United States of America. Citizens and residents may not be able to access the Metro Plus Credit Union Online Banking Service outside the United States of America.

Consent

You specifically consent and agree that we may provide all disclosures, agreements, contracts, periodic statements, receipts, notices, modifications, amendments, and all other evidence of our transactions; and governmental and/or third party notices (such as IRS 1098, 1099, etc.), to include notices required by federal or state laws (such as notice of unclaimed property) or notice of the availability of any of the foregoing with you or on your behalf electronically (hereinafter all such disclosures and/or documentation is referred to as “electronic record(s))” by posting or providing a link to same on the Credit Union’s website, by submitting a notice to the most recent e-mail address on file as provided in your Membership Application and Signature Card (or as updated by you), or by our using other electronic methods allowed pursuant to applicable laws and regulations to provide electronic records to you. You have a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. Also, you may withdraw your consent and revoke your agreement to receive records electronically. To request a paper copy or to withdraw your consent and agreement to receive electronic records call, you may call or write to us. If e-mails continue to be returned undeliverable, we will change your account statement status to paper and will provide your periodic statement via US mail to your address of record. Thereafter, it will be your responsibility to re-apply for any electronic notification or disclosure services we offer and/or to provide notice of your correct address pursuant to your Membership Agreement with us.

Acceptance Disclosure

By agreeing to the terms and conditions of this consent, you represent that you are authorized to enter into this agreement for all persons who own or are authorized to access any of your accounts, and that such persons will be bound by the terms of this consent.

By clicking on the "SUBMIT" button you acknowledge that you understand the terms of this disclosure. This disclosure will be available for your review at any time under the "DISCLOSURES" link within online banking