Before you use USALLIANCE Financials Online Banking service, you must read and agree to the following Agreement. This Agreement to use Online Banking is entered into between USALLIANCE Financial and every person who uses Online Banking. This Agreement governs the terms and conditions for your use of Online Banking. This Agreement contains important information about Electronic Funds Transfers.

Definitions in this Agreement:
The following terms have the meanings given to them below:

Agreements:
By using Online Banking, you and every other person you authorize agree to all of the terms and conditions stated in this Agreement, as well as the terms and conditions of all other agreements you have with the Credit Union, and their accompanying disclosures.

This Agreement shall be governed by the Federal Credit Union Act and the laws of the State of New York except to the extent preempted by Federal law.

You authorize the Credit Union or authorized third parties to credit, debit, and to transfer funds to and from your Credit Union accounts and to process instructions initiated through Online Banking.

Some of the transactions permitted under this Agreement are governed by the Electronic Funds Transfer Act, and some of the terms and conditions of this Agreement are disclosures required by this Act. Persons other than consumers are not entitled to rights provided to consumers by the Electronic Funds Transfer Act; therefore, the disclosures provided pursuant to the Electronic Funds Transfer Act are not applicable to persons other than consumers.

The Credit Union provides you with access to Online Banking, and any future modifications, updates, revisions, or enhancements received by you from the Credit Union, in accordance with the terms stated below:

This Agreement terminates if you fail to comply with any provision of this Agreement or if you no longer maintain an account with the Credit Union.

The Credit Union does not guarantee or make any representations regarding the use of Online Banking or its correctness, accuracy, reliability or timeliness or that the operation of Online Banking will be uninterrupted or error free.

You expressly acknowledge and agree that use of Online Banking is at your sole risk, including the risk of introduction of a computer virus and any risk arising out of any content transmitted or received in connection with the use of Online Banking.

Limited Liability:
In no event shall the Credit Union, its employees, officers or directors, or anyone else involved in the creation, production or delivery of Online Banking be liable for any damages whatsoever (including, without limitation, damages for loss of business information, or other monetary loss), however caused, arising out of the use of or inability to use Online Banking, even if the Credit Union has been advised of the possibility of such damages.

Online Banking Access:
You can use the Internet to access Online Banking 24 hours a day, seven days a week, except during any special or scheduled maintenance periods. You may use eBranch to access any Credit Union account which is made accessible through eBranch and in which you have an ownership interest. However, the information available and the transactions permitted may differ depending on the Credit Union account you access. For example, transfers and withdrawals are not permitted from Individual Retirement Accounts, although balance and history information may be available. For security reasons, the Credit Union reserves the right to limit access, frequency and/or dollar amount of transactions from your Credit Union accounts. Should we choose to limit access to your Credit Union accounts, we may not be able to give you advance notice of these restrictions.

Electronic Mail and Notices:
We may not immediately receive electronic mail that you send. Therefore, you should not rely only on electronic mail if you need to communicate with us immediately; for example, to stop payment on a check, to report a lost or stolen card, or to report an unauthorized fund transfer transaction from one of your Credit Union accounts. We will take action on your electronic mail requests after we actually receive and review your message and have a reasonable opportunity to act.

Account Information:
The information that you access through eBranch will generally be current or real-time, and transfers you authorize will occur immediately. Subject to Online Banking system limitations, you will generally be able to access the preceding 12 months of Credit Union account history or activity.

Non-Credit Union Content:
Some content, features and functions available in Online Banking are provided by a party other than the Credit Union. These functions and features, such as charting and calculators, are not created by the Credit Union and we are not responsible for them.

Sign-On Credentials:
During each use of Online Banking, you are required to input your Sign-On ID and Password (“Sign-On credentials”) to gain access to Online Banking. You agree to keep these Sign-On credentials confidential to prevent unauthorized access to your Credit Union account and to prevent unauthorized fund transfer use of Online Banking. You agree that entering your Sign-On credentials, whether entered by you or by another person, is the equivalent of your signature and authorizes the Credit Union to process your transaction or request.

Date Recording:
When you contact Online Banking to conduct transactions, the information and electronic mail messages you enter will be recorded. By using Online Banking, you consent to such recording.

Amendments to this Agreement:
We may change this Agreement at any time. Changes to this Agreement will be effective immediately after we make them, except those changes which we are required by applicable law to tell you about in advance. Those changes will be effective immediately after we have given you the prior written or electronic notice required by applicable law, or at a later time if so specified in the notice.

Assignment of this Agreement:
We may assign our rights and delegate our duties under this Agreement to a third-party processor or to any other party. You may not assign your rights or duties to anyone else.

YOUR ELECTRONIC FUNDS TRANSFER DISCLOSURE Your Liability for Compromised Sign-On Credentials or Unauthorized Electronic Fund Transfer Transactions:
Tell us AT ONCE if you believe your Sign-On credentials have been misused, lost or stolen. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit).

If you are unable to notify us within the stated times because of an extenuating circumstance such as extended travel or hospitalization, we will extend the time periods.

Whom to Notify: If your Sign-On credentials are compromised, lost, or stolen someone may transfer funds from your consumer account without permission, call our Member Services Department immediately at 800-431-2754 or write to USALLIANCE Financial, 411 Theodore Fremd Avenue, Suite 350, Rye NY 10580-1410.

Our Business Days: Our regular business days are Monday through Friday. However, the Credit Union is closed for business on Federal Reserve System holidays. Calendar days include business days, Saturdays, Sundays and holidays.

Electronic Funds Transfers You May Make:
You may authorize the following Electronic Funds Transfer (EFT) transactions via eBranch:

While not legally considered electronic fund transfers, Online Banking may permit these and other electronic transactions that do not involve the actual transfer of funds, such as checking balances, determining if a check was paid, ordering checks, or placing a stop payment order.

General Limits on Transfers:
Each calendar day, on your Savings and Checking  Accounts, you may authorize:

Each calendar month, on your Savings Plus or Money Manager Accounts, you may authorize:

Each calendar day, on your Club account, you may authorize:

From your Credit Union loans, consistent with your loan agreement(s), you may authorize:

For security and regulatory reasons, there may be additional limitations on the type, dollar amount or number of transactions permitted at certain times to safeguard your accounts against misuse or when you have failed to follow proper procedures for accessing your accounts.

Charges for Credit Union Services:
Our charges for Credit Union Services are detailed in the Fees and Service Charges Schedule. The Credit Union reserves the right to change these fees and/or impose additional charges after giving you notice.

Documentation:
You will get a monthly account statement. Electronic Funds Transfers made through Online Banking will be documented only on your statement. Individual receipts are not provided.

You must tell us promptly of any change in your mailing address and you must review your monthly statement promptly after you receive it. If you do not, you may be held liable for any unauthorized electronic funds transfer transactions on your consumer account.

Your Ability to Stop Payments is Limited:
Except for the preauthorized EFT payments discussed below, you cannot stop payment on electronic funds transfers made through Online Banking.

How To Place A Stop Payment On Preauthorized EFT Payments:
You can stop payment on preauthorized EFT payments from your consumer account by first contacting the organization you have authorized to make payments against your consumer account. You may also ask us to stop a preauthorized EFT payment from your consumer account by notifying us at least 3 business days before the scheduled date of the payment. You may:

Your stop payment request will be effective the next business day for all payments to the payee you specified. There is a fee for each stop payment request and for any transfer returned unpaid. You agree that we may debit our fees against any Credit Union account you own.

If you have complied with these instructions and we do not stop the preauthorized EFT payment from your consumer account, we will be liable for your losses or damages.

Our Liability for Errors:
If we do not complete a transaction to or from your consumer 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:

There may be other exceptions in other agreements we have with you.

Account Information Disclosure:
We will disclose information to third parties about your Credit Union account or the transfers, payments or withdrawals you make:

In accordance with our privacy disclosure which has been provided to you.

In Case of Errors or Questions:
Telephone the EFT Department at 800-431-2754 or write the EFT Department at 411 Theodore Fremd Avenue, Suite 350, Rye NY 10580-1410 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.

If you tell us orally, we will require that you send us your complaint or question in writing within 10 business days.

We will tell you the result of our investigation within 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 consumer account within 10 business days 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 you have not put your complaint or question in writing and we have not received it within 10 business days, we will not credit your consumer account.

For errors involving new accounts and foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your consumer account for the amount you think is in error.

We will tell you the results within three 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 the alleged error concerns a transfer to or from a third party, such as a social security deposit or a preauthorized electronic fund transfer payment to a third party, our investigation may be limited to a review of our own records. If we decide there was no error, you may want to contact the third party to pursue the matter further.