I. SELCCU Internet Services.
This SELCCU Internet Services Agreement (“Agreement”) is between School Employees Lorain County Credit Union, Inc. (hereinafter “we, us, our or Credit Union”), and each member who has enrolled in our online service, together with any person who is authorized by a member to use or access their online service (hereinafter referred together as “you, your or yours.”)

SELCCU Online, E-Statements and Bill Pay are additional “electronic” services provided to increase the convenience to our members. This Agreement supplements the other terms and conditions set forth in the Credit Union’s Membership, Account and Account Services Agreement and Disclosures (the “Membership Agreement”), which you have previously received and agree to. To the extent that if there is any conflict between the terms of the Membership Agreement and this Agreement, this SELCCU Internet Services Agreement will govern our relationship with you.

You understand that by signing an application, completing and submitting an application online, using or continuing to use these services, you agree to the terms and conditions of this Agreement.

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 such authorized use, will constitute an event of default under this agreement. You agree that the 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, damages or adverse action of any kind that results directly or indirectly from such illegal use.

A. Definitions:
1. “Access Device” means any ATM Card, Debit Card, or other electronic access device and/or any codes, passwords or Personal Identification Numbers that we issue to allow you to access and/or use any account or other services.
2. “Authorized User” means any person who has actual, implied or apparent authority, or who any owner has given 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 or debits to or from your accounts with us.
3. “Business Day” means normal scheduled business hours.
4. “Transaction” means any deposit, order, payment, transfer, withdrawal or other instruction relating to any account or account services provided by the Credit Union.

B. Eligibility
In order to enroll and activate any SELCCU Internet Service with us, you must be eligible to maintain an account with us.

To use SELCCU Online, E-Statements and Bill Pay, you must use a personal computer or other device with the capacity to interface by modem or otherwise with the Credit Union’s or our agent’s system. The Credit Union is not responsible for providing any equipment, services or advice related to equipment necessary to interface with our system, and the Credit Union is not responsible for any error in connections, transmissions or otherwise regarding any system, software, entries or instructions.

SELCCU Online, E-Statements and Bill Pay are different systems with a single sign on to SELCCU Online.

It is your responsibility to inform the Credit Union in writing via U.S. Mail or by notifying us at memberservices@selccu.org if your e-mail address changes. If we receive a rejection message from your e-mail address of record, we will attempt to confirm your current e-mail address. Failure to notify us will result in termination of SELCCU Online and E-Statements access until an updated e-mail address is provided to the Credit Union.

II. Setup and use of SELCCU Online, E-Statements and Bill Pay.

A. Equipment and Software Requirements
1. To use SELCCU Online, E-Statements and Bill Pay, you need a computer with a modem and a Web browser (such as Netscape Navigator®, Microsoft Internet Explorer® or an equivalent). You are responsible for the set-up and maintenance of your home computer and modem.

2. Before registering for this service, please take note of the system requirements. The following components are required to use SELCCU Online, E-Statements and Bill Pay:

• PC with Windows 95 or greater and
• Microsoft Internet Explorer 4.01 or higher
• or Netscape Navigator 4.0 • or higher or Macintosh with Netscape Navigator 4.5 or higher
• and Adobe Acrobat Reader 5.0 (for E-Statements)

III. SELCCU Online

A. SELCCU Online Services:
1. Account Access. You can use SELCCU Online to access your accounts with us. SELCCU Online allows you to:

• Transfer funds between checking, savings, MMIA, and Vacation Club.
• See a summary of your accounts.
• Make transfer payments to Line of Credit, Personal Loan, Auto Loan, and Mortgage Loans with the Credit Union with funds transferred from Checking, Savings, MMIA, and Vacation Club.
• Get account information and/or statement updates.
• Make Visa payments.
• Access information about the Credit Union, our products and services, and other items of general interest.
• 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 440-324-3400 and ask for the department you need. You understand that we may require that you document any oral request in writing before taking some actions.

B. Additional Information about SELCCU Online.
You must designate one account as your primary SELCCU Online account. We link your other accounts to your primary account.

1. You may transfer funds through SELCCU Online in any amount between $1.01 and $99,999.99.
2. Processing Fund Transfers. We can process a fund transfer on the same Business Day as your online transaction, if we receive your instruction before the end of the Business Day. If we receive your instruction after the end of the Business Day, we will process the transaction on our next Business Day.

If there are insufficient funds in your account to make the transfer or payment you have authorized, we may refuse to make the transfer or payment and overdraw your account. In either event, you are responsible for any non-sufficient funds (“NSF”) and overdraft charges that may apply..

IV. E-Statements and Bill Pay
1. You will be informed via e-mail when your statement is available. It is your responsibility to retrieve your statement. You will no longer receive statement(s) by U.S. Mail, except for your December 31 statement, which will be mailed to your address of record.
2. You have the right or option to request a periodic statement provided on paper for a fee of $2 per statement.. You can request a copy by contacting the credit union in person, by phone, or by e-mail.
3. By consenting to SELCCU Online, E-Statements and Bill Pay, you also consent to receive disclosures and other communications electronically from the Credit Union.
4. You have the right to cancel E-Statements and Bill Pay at any time. Your request to do so must be in writing with a valid signature. Any person on the account may request cancellation of E-Statements.
5. SELCCU reserves the right to withdraw any member’s E-Statement privileges at any time for misuse or non-compliance with the SELCCU Internet Services Agreement.

V. Responsibilities.

A. The Member's Responsibilities.
1. Your Rights and Responsibilities.
a. Authorized Use of Services by other Persons. You are responsible for keeping your password and account data confidential. We are entitled to act on transaction instructions received using your password, and you agree that the use of your password will have the same effect as your signature authorizing [or “will authenticate your identity and verify the instruction you have provided to us for”] the transaction(s). If you authorize other persons to use your password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us that you have revoked the authorization and changed your password. If notification is by phone, e-mail, or in person, it must be followed by written notification within 14 days. You are responsible for any transactions made by such persons until you notify us that transfers by that person [“or instruction regarding your account(s)”] are no longer authorized and we have a reasonable opportunity to act upon the change of your password.
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.

b. Reporting Unauthorized Transactions
Resolving Errors or Problems. If you think your statement is wrong or if you need more information about a transfer listed on the statement, please contact us by telephone at 440-324-3400, e-mail us at memberservices@selccu.org, or write to us directly at School Employees Lorain County Credit Union, Inc., 340 Griswold Road, Elyria, Ohio 44035 as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement (by U.S. Mail or E-Statements) on which the problem or error appeared. When you contact us, our representative will need to know the following information:

Your name and account number; A description of the error or the transfer you are unsure about, and an explanation of why you believe it is an error or why you need more information; and The dollar amount of the suspected error.

If you tell us orally [or by electronic communication], 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 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. If we decide that there was not an 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.

c. Member’s Liability for Unauthorized Transactions.
Member’s Liability for Unauthorized Transactions. NOTE: Federal law requires that if you believe your password has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, your maximum liability is $50 if someone used your password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password and we can prove that we could have prevented someone from using your password without your permission, if you had told us, your liability could increase up to $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the FIRST statement (U.S. Mail or E-Statements) showing such a transfer, 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. Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your account statement. If you find that your records and ours disagree, you must contact the Credit Union Member Services Department by calling 440-324-3400 immediately or you can e-mail us directly at memberservices@selccu.org.

d. Resolving Errors or Problems.
If you think your statement is wrong or if you need more information about a transfer listed on the statement, please contact us by phone at 440-324-3400, e-mail us at memberservices@selccu.org, or write to us directly at School Employees Lorain County Credit Union, Inc., 340 Griswold Road, Elyria, Ohio 44035 as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement (by U.S. Mail or E-Statements) on which the problem or error appeared. When you contact us, our representative will need to know the following information:

Your name and account number; A description of the error or the transfer you are unsure about, and an explanation of why you believe it is an error or why you need more information; and The dollar amount of the suspected error. If you tell us orally [or by electronic communication], 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 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. If we decide that there was not an 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.

B. The Credit Union’s Responsibilities.

1. Our Responsibility for Processing Transactions.
If we do not complete a transfer to or from your account or cancel a transfer as properly requested on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. Our sole responsibility for an error in a transfer will be to correct the error, but in no case will we be liable for any indirect, special, incidental or consequential damages. In states which do not allow the exclusion or limitation of liability for indirect, special, incidental or consequential damages, our liability is limited to the extent permitted by applicable law.

2. Limitations of Our Responsibility for Processing Transactions.
There are some exceptions to our liability for processing transactions on your accounts. We will not be liable, for instance:
a. if, through no fault of ours, you do not have enough money in your account to make the transfer;
b. if the transfer would go over the credit limit on your overdraft line;
c. if the funds in your account were attached or the transfer cannot be made because of legal restrictions affecting your account;
d. if circumstances beyond our control such as interruption of telephone service or telecommunication facilities, or natural disaster (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken;
e. for any failure to provide access or for interruptions in access to SELCCU Online Service or E-Statements due to a system failure or due to other unforeseen acts or circumstances;
f. for any errors or failures from any malfunction of our computer or any computer virus or other problems related to your computer equipment used with SELCCU Online or E-Statements;
g. for any error, damages or other loss you may suffer due to malfunction or misapplication of any system you use, including your browser (Netscape Navigator®, Microsoft Internet Explorer®, or otherwise), your Internet service provider, your personal financial management software (such as Quicken® or Microsoft Money), or any other equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with SELCCU Online or E-Statements.

3. Record Retention
SELCCU follows U.S. Government regulations regarding record retention for financial institutions.

VI. Changes In Terms and Other Amendments.
The Credit Union may change SELCCU Online, E-Statements or Bill Pay and the terms, including fees for multiple accounts, 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.

VII. Termination.
You may terminate your SELCCU Online , E-Statements or Bill Pay services with 30 days prior notice to us in writing with your signature. Your SELCCU Online, E-Statements and Bill Pay services will remain in effect until terminated by you or us. You may notify us to cancel these services at any time by submitting a signed cancellation to us. This cancellation policy applies only to your SELCCU Online, E-Statements or Bill Pay services and does not terminate your other relationships with us.

We may terminate your participation in SELCCU Online, E-Statements or Bill Pay for any reason, at any time, including inactivity of online access. We will attempt to notify you in advance, but we are not obligated to do so.