Common use of Service Requirements and Access Clause in Contracts

Service Requirements and Access. 1. In order to use Online Banking, you must agree to the Credit Union’s E-SIGN Disclosure. Online Banking is only accessible and available to members who agree and consent to receive communications electronically. By accepting the E-SIGN Disclosure, you are indicating your consent to receive via electronic means any required communication from us, including but not limited to tax statements and tax documents, required disclosures, loan and deposit statements, and member notices. We will send such e-mail notification of availability to Online Banking users, and you may access them by logging in to Online Banking. You may opt-out of receiving electronic communication by visiting us in person or by contacting us as provided above. 2. You are solely responsible for obtaining, installing, maintaining and operating all software, hardware and/or other equipment (collectively, “Equipment”) necessary to access and/or use the Service, as further described below: • For Kinecta Direct, Internet capable device (i.e. computer, mobile telephone, tablet) (“Access Device”) and Internet browser with at least 128-bit encryption capability; OR • For mobile banking, Android-based devices with Android operating system version 5.0 or higher or Apple mobile devices: iPhone or iPad, with operating system 11.0 or higher. (an “Access Device”). To view a complete listing of our supported browsers for Kinecta Direct, please click here: 3. Further, you are responsible for obtaining and maintaining Internet Service from the Internet service provider of your choice, which includes responsibility for any fees and costs imposed by such Internet service provider or related service providers. These responsibilities include, without limitation, your utilizing up to date web-browsers, Access Devices and best commercially available encryption, antivirus, anti-spyware, and internet security software. You acknowledge that there are certain risks associated with using open networks such as the internet including security, corruption, transmission error, and access availability risks and you hereby expressly assume such risks. You acknowledge that you are responsible for the data security of the Equipment and Access Devices used to access the Service, and for the transmission and receipt of information using such Equipment. We are not responsible for any errors or problems that arise from the malfunction or failure of the internet or your Equipment and/or Access Device nor are we responsible for notifying you of any upgrades, fixes or enhancements or for providing technical or other support for your Equipment and/or Access Device. 4. You understand that your use of an Access Device is susceptible to viruses and other security threats. You are solely responsible for making sure your Access Devices and Equipment are protected from and free of viruses, worms, Trojan horses, or other harmful destructive elements which could result in damage to your Access Device, Equipment, programs, files, computers, phones, tablets, or could result in interception of information by a third party. WE SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM ANY DAMAGE CAUSED BY OR RELATED TO YOUR EQUIPMENT, HARDWARE OR SOFTWARE COMPONENTS, INTERNET SERVICE OR THE INTERCEPTION BY A THIRD PARTY OF ANY PERSONAL INFORMATION AND/OR SENSITIVE INFORMATION ACCESSED THROUGH ONLINE BANKING.

Service Requirements and Access. 1. In order to use Online Banking, you must agree to the Credit Union’s E-SIGN Disclosure. Online Banking is only accessible and available to members who agree and consent to receive communications electronically. By accepting the E-SIGN Disclosure, you are indicating your consent to receive via electronic means any required communication from us, including but not limited to tax statements and tax documents, required disclosures, loan and deposit statements, and member notices. We will send such e-mail notification of availability to Online Banking users, and you may access them by logging in to Online Banking. You may opt-out of receiving electronic communication by visiting us in person or by contacting us as provided above. 2. You are solely responsible for obtaining, installing, maintaining and operating all software, hardware and/or other equipment (collectively, “Equipment”) necessary to access and/or use the Service, as further described below: • For Kinecta Direct, Internet capable device (i.e. computer, mobile telephone, tablet) (“Access Device”) and Internet browser with at least 128-bit encryption capability; OR • For mobile banking, Android-based devices with Android operating system version 5.0 4.0.3 or higher or Apple mobile devices: iPhone 6, iPad Air 2, iPad Mini 3 or iPad, with operating system 11.0 or higher. newer versions of each (either an “Access Device”). To view a complete listing of our supported browsers for Kinecta Direct, please click here: 3. Further, you are responsible for obtaining and maintaining Internet Service from the Internet service provider of your choice, which includes responsibility for any fees and costs imposed by such Internet service provider or related service providers. These responsibilities include, without limitation, your utilizing up to date web-browsers, Access Devices and best commercially available encryption, antivirus, anti-spyware, and internet security software. You acknowledge that there are certain risks associated with using open networks such as the internet including security, corruption, transmission error, and access availability risks and you hereby expressly assume such risks. You acknowledge that you are responsible for the data security of the Equipment and Access Devices used to access the Service, and for the transmission and receipt of information using such Equipment. We are not responsible for any errors or problems that arise from the malfunction or failure of the internet or your Equipment and/or Access Device nor are we responsible for notifying you of any upgrades, fixes or enhancements or for providing technical or other support for your Equipment and/or Access Device. 4. You understand that your use of an Access Device is susceptible to viruses and other security threats. You are solely responsible for making sure your Access Devices and Equipment are protected from and free of viruses, worms, Trojan horses, or other harmful destructive elements which could result in damage to your Access Device, Equipment, programs, files, computers, phones, tablets, or could result in interception of information by a third party. WE SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM ANY DAMAGE CAUSED BY OR RELATED TO YOUR EQUIPMENT, HARDWARE OR SOFTWARE COMPONENTS, INTERNET SERVICE OR THE INTERCEPTION BY A THIRD PARTY OF ANY PERSONAL INFORMATION AND/OR SENSITIVE INFORMATION ACCESSED THROUGH ONLINE BANKING.

Service Requirements and Access. 1. In order to use Online Banking, you must agree to the Credit Union’s E-SIGN Disclosure. Online Banking is only accessible and available to members who agree and consent to receive communications electronically. By accepting the E-SIGN Disclosure, you are indicating your consent to receive via electronic means any required communication from us, including but not limited to tax statements and tax documents, required disclosures, loan and deposit statements, and member notices. We will send such e-mail notification of availability to Online Banking users, and you may access them by logging in to Online Banking. You may opt-out of receiving electronic communication by visiting us in person or by contacting us as provided above. 2. You are solely responsible for obtaining, installing, maintaining and operating all software, hardware and/or other equipment (collectively, “Equipment”) necessary to access and/or use the Service, as further described below: • For Kinecta DirectOnline Banking, Internet capable device (i.e. computer, mobile telephone, tablet) (“Access Device”) and Internet browser with at least 128-bit encryption capability; OR • For mobile bankingMobile Banking, using the two most recent operating devices for either Android-based devices with Android operating system version 5.0 or higher or Apple mobile devices: iPhone or iPad, with operating system 11.0 or higher. (devices.(either an “Access Device”). To view a complete listing of our supported browsers for Kinecta DirectOnline Banking, please click here: 3. Further, you are responsible for obtaining and maintaining Internet Service from the Internet service provider of your choice, which includes responsibility for any fees and costs imposed by such Internet service provider or related service providers. These responsibilities include, without limitation, your utilizing utilization of up to date web-browsers, Access Devices and best commercially available encryption, antivirus, anti-spyware, and internet security software. You acknowledge that there are certain risks associated with using open networks such as the internet including security, corruption, transmission error, and access availability risks and you hereby expressly assume such risks. You acknowledge that you are responsible for the data security of the Equipment and Access Devices used to access the Service, and for the transmission and receipt of information using such Equipment. We are not responsible for any errors or problems that arise from the malfunction or failure of the internet or your Equipment and/or Access Device nor are we responsible for notifying you of any upgrades, fixes or enhancements or for providing technical or other support for your Equipment and/or Access Device. 4. You understand that your use of an Access Device is susceptible to viruses and other security threats. You are solely responsible for making sure your Access Devices and Equipment are protected from and free of viruses, worms, Trojan horses, or other harmful destructive elements which could result in damage to your Access Device, Equipment, programs, files, computers, phones, tablets, or could result in interception of information by a third party. WE SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM ANY DAMAGE CAUSED BY OR RELATED TO YOUR EQUIPMENT, HARDWARE OR SOFTWARE COMPONENTS, INTERNET SERVICE OR THE INTERCEPTION BY A THIRD PARTY OF ANY PERSONAL INFORMATION AND/OR SENSITIVE INFORMATION ACCESSED THROUGH ONLINE BANKING. 5. By accepting this Agreement, you consent to Kinecta Federal Credit Union sharing your personal information, (including Credit Union account information) as necessary to complete payment transactions in accordance with our customary processes and procedures, which may include, without limitation, the following: • As necessary for the Credit Union to complete transfers; • As necessary to resolve a problem related to a transfer or payment between you and another user; • To verify the existence of your Credit Union account, or debit card, as applicable; • To comply with government agency or court orders or other legal process; • To our affiliates, as permitted by law; • To verify your identity for purposes of compliance with applicable laws, including without limitation the USA PATRIOT Act; • To comply with inquires in connection with fraud prevention or any investigation; • For our general business purposes, including without limitation data analysis and audits; • As otherwise permitted by the terms of our Privacy Policy and Consumer Privacy Policy; or • If you give us prior verbal or written permission.

Service Requirements and Access. 1. In order to use Online Banking, you must agree to the Credit Union’s E-SIGN Disclosure. Online Banking is only accessible and available to members who agree and consent to receive communications electronically. By accepting the E-SIGN Disclosure, you are indicating your consent to receive via electronic means any required communication from us, including but not limited to tax statements and tax documents, required disclosures, loan and deposit statements, and member notices. We will send such e-mail notification of availability to Online Banking users, and you may access them by logging in to Online Banking. You may opt-out of receiving electronic communication by visiting us in person or by contacting us as provided above. 2. You are solely responsible for obtaining, installing, maintaining and operating all software, hardware and/or other equipment (collectively, “Equipment”) necessary to access and/or use the Service, as further described below: • For Kinecta Direct, Internet capable device (i.e. computer, mobile telephone, tablet) (“Access Device”) and Internet browser with at least 128-bit encryption capability; OR • For mobile banking, Android-based devices with Android operating system version 5.0 4.0.3 or higher or Apple mobile devices: iPhone 6, iPad Air 2, iPad Mini 3 or iPad, with operating system 11.0 or higher. newer versions of each (either an “Access Device”). To view a complete listing of our supported browsers for Kinecta Direct, please click here:: xxxxx://xxxxxx.xxxxxxx.xxx/9002Kinecta/SupportedBrowsers.aspx 3. Further, you are responsible for obtaining and maintaining Internet Service from the Internet service provider of your choice, which includes responsibility for any fees and costs imposed by such Internet service provider or related service providers. These responsibilities include, without limitation, your utilizing up to date web-browsers, Access Devices and best commercially available encryption, antivirus, anti-spyware, and internet security software. You acknowledge that there are certain risks associated with using open networks such as the internet including security, corruption, transmission error, and access availability risks and you hereby expressly assume such risks. You acknowledge that you are responsible for the data security of the Equipment and Access Devices used to access the Service, and for the transmission and receipt of information using such Equipment. We are not responsible for any errors or problems that arise from the malfunction or failure of the internet or your Equipment and/or Access Device nor are we responsible for notifying you of any upgrades, fixes or enhancements or for providing technical or other support for your Equipment and/or Access Device. 4. You understand that your use of an Access Device is susceptible to viruses and other security threats. You are solely responsible for making sure your Access Devices and Equipment are protected from and free of viruses, worms, Trojan horses, or other harmful destructive elements which could result in damage to your Access Device, Equipment, programs, files, computers, phones, tablets, or could result in interception of information by a third party. WE SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM ANY DAMAGE CAUSED BY OR RELATED TO YOUR EQUIPMENT, HARDWARE OR SOFTWARE COMPONENTS, INTERNET SERVICE OR THE INTERCEPTION BY A THIRD PARTY OF ANY PERSONAL INFORMATION AND/OR SENSITIVE INFORMATION ACCESSED THROUGH ONLINE BANKING.