Omega Psi Phi Fraternity Federal Credit Union
Agreement and Disclosure


This agreement is the contract that covers your and our rights and responsibilities concerning e*Br@nch services offered to you. The words you and yours mean those who complete e*Br@nch registration online. The words we, us and our mean Omega Psi Phi Fraternity Federal Credit Union located at 3151 Snapfinger Parkway, Decatur, GA 30035, phone number (678) 546-5176 or (800) 42OMEGA.

By completing e*Br@nch online registration, you agree to the terms and conditions governing your and our rights and responsibilities concerning the e*Br@nch 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.

Be a member in good standing
Have a PC, modem and internet access
Have Microsoft Internet Explorer 5.5 or above or Netscape 4.79 or above
Best viewed with MS Internet Explorer 6.0 or Netscape 7.0, or higher
Agree to the terms and conditions of Omega Psi Phi Fraternity Federal Credit Union’s e*Br@nch Agreement and Disclosure

e*Br@nch Access
Upon approval of your application, you may access your accounts(s) from your personal computer.

You are responsible for the installation, maintenance and operation of any software and your computer. Omega Psi Phi Fraternity Federal Credit Union will not be responsible for any errors or failures involving any telephone service, internet service provider or software installation, or your computer.

Availability of e*Br@nch is 24 hours per day, 7 days per week, 365 days per year except for those times when the system is unavailable due to back-up procedures or maintenance.

e*Br@nch Services

Account Information: You may review balances and transaction history on all account(s) and
subaccount(s) existing under your user name. The transaction history information may be
limited to recent transactions involving your account.

Transfers: You may make transfers to your accounts or other accounts on which you are an
authorized signer 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
from share and club accounts to share draft/checking accounts will be limited to a total of six
(6) per month, including overdraft protection (if any) and telephone requests (Federal
Regulation D). You may transfer up to the available balance in your account at the time of the
transfer, except as limited under any other agreements.

Transactions involving your account(s) will be subject to the terms of our Membership and
Account Agreement.

Apply for a Loan: You may make application for a loan. You will be notified by email or
telephone as to the disposition of your application.

Request a Check: Minimum check withdrawal is $50. You may request a check withdrawal
from any share, share draft/checking or club account (excluding share certificates). A check
will be issued payable to the member and all joint owners, and will be mailed to the address
on record at the credit union.

Email: Send communications directly to the credit union through the home banking secure
network. However, the credit union may not immediately receive email request. Once we
receive the email, the credit union will respond to your request within a reasonable amount
of time to allow for any research your request requires. If you need to contact the credit
union immediately regarding an unauthorized transaction or to place a stop payment
request, you may call the credit union direct at (678) 546-5176 or (800) 42OMEGA toll free.

Password Changes: You may select a new password for your account at any time. The credit
union DOES NOT store your password or have access to it.

Authorized Use of e*Br@nch: User names and passwords are issued to members only.
However, members that are joint owners on other accounts will have access to those

User Name and Password: Your user name and password will be your e*Br@nch signature.
You are responsible for safekeeping 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 account(s). If you fail to maintain the security of your server or your user name and
password and Omega Psi Phi Fraternity Federal Credit Union suffers a loss, we may terminate
your e*Br@nch account services immediately. Revealing your user name and password will
grant access to those accounts by unauthorized individuals.

Further, to ensure the security and integrity of your e*Br@nch account, we will return you to
the login screen if no activity has occurred within ten (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 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 account(s) through e*Br@nch without your authorization. Telephoning is the
best way of keeping your possible losses to a minimum. If someone has accessed your
account without your permission and you tell us within two (2) business days, you cannot
lose more than fifty dollars ($50). If someone has accessed your account without your
permission and you do not notify us within two (2) business days after you learn of the
unauthorized access, and we can prove that we could have stopped the unauthorized access
had you told us, you could lose as much as five hundred dollars ($500).

If you do not tell us within sixty (60) days after a statement has been mailed to you or email
notification is sent that your statement is ready for viewing, You may not be entitled to any
refunds after the sixty (60) days if we can prove that we could have stopped someone from
making the transfers if you had told us in a timely manner. If a good reason kept you for
notifying us and you can document that reason, we may extend the time periods.

If you believe that someone has compromised your user name and password or has made or
may make unauthorized transfers from your account, call us at (678) 546-5176. Also,
immediately change your password.

Error Resolution: In case of errors or questions regarding your e*Br@nch account, call us at (678) 546-5176
or write to us at Omega Psi Phi Fraternity Federal Credit Union, 455 Buford Highway, Suwanee, GA 30024.

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 sixty (60) days after we sent the FIRST statement
on which the problem or error appeared. We will need the following:
a) Tell us your name and account number(s)
b) Describe the error or the transfer you are unsure about and explain as clearly as you can why you
believe it is in error or why you need more information
c) Tell us the dollar amount of the suspected error

If you tell us orally, we may require that your complaint or question be put in writing within ten (10) days.

We will determine if an error occurred within ten (10) business days (20 business days if the transfer involved
a new account) after we hear from you and will correct any error promptly. If we need more time, we may
take up to 45 days (90 days if the transfer involved a new account, a point of sale transaction or a foreign
initiated transfer ) to investigate your complaint or question. If we decide to do this, we will credit your
account within ten (10) business days (20 days if the transfer involved a new account) for the amount you
think is in error, so that you will have 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. An account is considered a new account for thirty (30)
days after the first deposit is made, if you are a new member.

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 we
used in our investigation.

Fees and Charges: Currently there are no fees to use e*Br@nch. All standard fees set forth in your Rate and
Fee Schedule apply. We reserve the right to institute charges for e*Br@nch account access or transactions in
the future, but only after written notification to you at least 30 days in advance.

STATEMENTS: All of your e*Br@nch activity 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 as follows:

* As necessary to complete transfers
* To verify the existence of sufficient funds to cover specific transactions upon the request of a third
party, such as a credit bureau or merchant
* To comply with government agency or court orders
* If you give us your express permission.

Credit Union Liability for Failure to Make Transfers: If we do not complete a transfer 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. For instance:

* If through no fault of ours you do not have sufficient funds 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 incorrect password or you have not followed any applicable instructions for making
transfer transactions
* If your computer fails or malfunctions or the e*Br@nch service was not properly functioning and
such problem should have been apparent when you attempted the transaction
* If circumstances beyond our control (e.g. fire, flood, telecommunication outages, strikes, equipment
failure 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 telecommunication
systems or internet service providers
* Other exceptions as may be established by the credit union

Termination of Electronic Funds Transfer Services: You agree that we may terminate this agreement and
your electronic funds transfer services if you or any authorized user of your e*Br@nch services, or password
breach of this or any other agreement with us; or if we have reason to believe that there has been an
unauthorized use of your account(s) or password(s).

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 prior to termination.

e*Br@nch services may be terminated to those members that cause a loss to the credit union.