Agreement and Disclosure Sample Contracts

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Pledged Share Account(s) # (Share Secured Visa)
Agreement and Disclosure • March 27th, 2019

In this Agreement and Disclosure (“Agreement”) the words, “you” and “your,” mean each and all of those who apply for or otherwise are responsible for the VISA card account issued by Securityplus Federal Credit Union. “Card” means the VISA card issued by Securityplus Federal Credit Union and any duplicates, additional cards and renewals we issue, as well as other access devices, such as convenience checks and Account numbers, that we give you to access your Account. “We”, “us” and “our” mean Securityplus Federal Credit Union. This Agreement contains the terms and disclosures that apply to your VISA Credit Card Account (“Account”) with us. By applying for or using the Card, you agree to the terms of this Agreement and that we may provide your personal data to VISA U.S.A., its members or their agents for the purpose of providing emergency cash and emergency credit card replacement services.

Mortgage Broker Fee Agreement and Disclosure
Agreement and Disclosure • November 4th, 2015

This Mortgage Broker Fee Agreement and Disclosure ("Agreement") is by and between , a mortgage broker ("we," "us," "our") and the borrower (s) below ("you, " "your") This Agreement discloses and governs the overall fees that will be paid to your mortgage broker for the origination of your loan, and this Agreement represents the entire agreement between you and us.

Contract
Agreement and Disclosure • July 1st, 2021

In this Agreement and Disclosure (“Agreement”) the words, “you” and “your,” mean each and all of those who apply for or otherwise are responsible for the VISA card account issued by Securityplus Federal Credit Union. “Card” means the VISA card issued by Securityplus Federal Credit Union and any duplicates, additional cards and renewals we issue, as well as other access devices, such as convenience checks and Account numbers, that we give you to access your Account. “We”, “us” and “our” mean Securityplus Federal Credit Union. This Agreement contains the terms and disclosures that apply to your VISA Credit Card Account (“Account”) with us. By applying for or using the Card, you agree to the terms of this Agreement and that we may provide your personal data to VISA U.S.A., its members or their agents for the purpose of providing emergency cash and emergency credit card replacement services.

Agreement and Disclosure
Agreement and Disclosure • September 11th, 2015 • Guam

(“ Coast360” ) regarding Coast Online services. Coast Online allow s you to electronically communicate w ith Coast360 and initiate account transactions and bill payments through your accounts. In this Agreement, the words "you", "yours" and “ member(s)” refers to those who request and use Coast Online and Coast ePay services, including sole proprietors and any joint owners of accounts accessed under this Agreement or any authorized users of this service. The

AGREEMENT AND DISCLOSURE
Agreement and Disclosure • September 26th, 2014 • Colorado

Participant represents and warrants that he/she has received, read and is in agreement with all terms in the FPS Terms and Conditions, the HSA Custodial Account Agreement, FPS’s privacy policy, the summary of fees and any applicable addendums to the Participant Agreement. Participant agrees to be bound by

Advantages Online™ Agreement and Disclosure
Agreement and Disclosure • October 22nd, 2013 • Pennsylvania

This agreement states the terms and conditions that apply when you use our Advantages Online™ service. These terms and conditions are in addition to those terms and conditions that apply to any accounts you have with us or any other services you obtain from us. This Agreement shall be governed by and interpreted under Pennsylvania law and applicable federal law. We reserve the right to amend or terminate the Advantages Online™ service at any time.

ONLINE BANKING (eBRANCH) AGREEMENT AND DISCLOSURE
Agreement and Disclosure • October 22nd, 2020

This Online Banking Agreement is the contract which covers your and our rights and responsibilities concerning the Online Banking services offered to you by Kinetic Credit Union - a Community Credit Union. Our Online Banking service, termed "eBranch," permits you to electronically initiate account transactions involving your accounts and to securely communicate with Kinetic Credit Union. In this Agreement, the words "you", "your" and "yours" mean those who request and use eBranch, any joint owners of accounts accessed under this Agreement or any authorized users of this service. The words "we," "us," "our," and "Credit Union" refer to Kinetic Credit Union. The word "account" means any one or more accounts you have with Kinetic Credit Union. By requesting and using the eBranch service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.

AGREEMENT AND DISCLOSURE
Agreement and Disclosure • March 15th, 2022 • Utah

This Agreement establishes the rules that cover your electronic access to your account(s) at Utah Heritage Credit Union (“Credit Union”) through Virtual Branch. You will be bound by this Agreement when you enroll in Virtual Branch. You also accept all the terms and conditions of this Agreement by using the Virtual Branch. Please read it carefully and retain for your records.

Advantages Online™ Agreement and Disclosure
Agreement and Disclosure • October 22nd, 2019 • Pennsylvania

This agreement states the terms and conditions that apply when you use our Advantages Online™ service. These terms and conditions are in addition to those terms and conditions that apply to any accounts you have with us or any other services you obtain from us. This Agreement shall be governed by and interpreted under Pennsylvania law and applicable federal law. We reserve the right to amend or terminate the Advantages Online™ service at any time.

Agreement and Disclosure
Agreement and Disclosure • July 29th, 2004 • Tennessee

This Agreement is the contract that covers your and our rights and responsibilities concerning CUe- Branch Friendship Online Services offered to you. The words "you" and "yours" mean those who complete the CUe-Branch application. The words "we", "us", and "our" mean Kingsport Press Credit Union located at 528 W. Center St., Kingsport, TN 37660-3660, phone number (423) 378-9292.

Fitzsimons Federal Credit Union Agreement and Disclosure
Agreement and Disclosure • June 4th, 2024 • Colorado

This Agreement governs the use of the Fitzsimons Federal Credit Union Internet Banking Service, jointly referred to as the "Service," provided by Fitzsimons Federal Credit Union, also referred to as "FFCU". By using the Service to conduct transactions, you agree to the terms of this Agreement.

VISA CREDIT CARD AGREEMENT AND DISCLOSURE
Agreement and Disclosure • July 3rd, 2019 • Utah

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and “Ours” and “Credit Union” refers to Wasatch Peaks Federal Credit Union with which this Agreement is made. “You,” “Your,” and “Yours” refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card.

OneClick Bill Pay Agreement and Disclosure
Agreement and Disclosure • October 23rd, 2019

This Agreement between you and Hometown Bank governs your use of our OneClick bill paying service (OneClick) or (the Service), which directs Hometown Bank to make payments from your designated checking account to the payees you choose in accordance with this agreement, through the use of a personal computer, the Online or with your mobile device. There may be additional online services that are not specifically described in this Agreement and we reserve the right to add or eliminate online services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services. The terms and conditions of this Agreement are in addition to the Account agreements, disclosures and other documents in effect from time to time governing your account, including the Online Banking Agreement & Disclosure, which have been previously provided to you.

Your TruWest® Credit Union Visa® Card Supplemental Visa Agreement & Disclosure
Agreement and Disclosure • September 6th, 2018
Agreement and Disclosure
Agreement and Disclosure • May 16th, 2017 • Illinois

This ATM (Automated Teller Machine) Agreement and Disclosure is the contract, which covers your and our rights and responsibilities concerning the ATM transfer services offered to you by Synergy Partners Credit Union (“Credit Union”). In this Agreement, the words “you” and “yours” mean those who sign the application or account card as applicants, joint owners or any authorized users. The words “we”, “us” and “our” mean the Credit Union. The word “account” means any one or more share and share draft accounts you have with the Credit Union. ATM transactions are electronically initiated transfers of money from your account through the ATM services described below. By signing an application or account card for ATM services, signing your Card, or using your card, each of you, jointly and severally, agrees to the terms and conditions in this Agreement and any amendments for the ATM services offered.

AGREEMENT AND DISCLOSURE
Agreement and Disclosure • March 29th, 2011 • Washington

This Agreement is the contract that covers your and our rights and responsibilities concerning electronic fund transfer (EFT) services offered to Business Members by Verity Credit Union (“Credit Union”). In this Agreement, the words “you” and “yours” mean those who sign or transmit an application and any authorized users. The words “we,” “us,” and “our” mean the Verity Credit Union. The word “account” means any one or more deposit accounts you have with the Credit Union. By transmitting any online authorization, signing the Account Card or signing or using a Check Card, ATM Card, Telephone Teller or Online Business Banking service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.

WebBanking™ AGREEMENT AND DISCLOSURE
Agreement and Disclosure • May 12th, 2011 • North Carolina

WebBanking™ is an online financial service offering a variety of content, products and services to Allegacy Federal Credit Union (“Credit Union”) members (consumers, sole proprietors, and other business customers). The Credit Union grants you a nonexclusive, limited, and revocable right to access and use this service. This WebBanking™ Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the WebBanking™ service, including the credit union’s WebPayTM service. It also describes the rights and obligations of the Credit Union. Please read this Agreement carefully. By requesting and using these Services, you agree to comply with the terms and conditions of this Agreement.

Citizens Bank of Eldon & Versailles Online Banking Agreement and Disclosures
Agreement and Disclosure • March 10th, 2014
Agreement and Disclosure
Agreement and Disclosure • October 2nd, 2010 • Alabama

This Agreement is the contract that covers your and our rights and responsibilities concerning Online Banking Internet Banking Services offered to you. The words "you" and "yours" mean those who complete the Online Banking application on line. The words "we", "us", and "our" mean Alabama Teachers Credit Union located at 702 Walnut St, Gadsden, AL 35901, phone number (256) 543-7040 or toll free at 1-800-470-0704.

Tuition and Fee Agreement and Disclosure
Agreement and Disclosure • July 7th, 2022

The payment of all tuition, fees and charges becomes an obligation of the student upon registration at the University of Colorado Boulder (“university”). By agreeing to these terms and conditions, I authorize the university to add to my account all tuition and fees, as determined by the Board of Regents in accordance with the level of cash fund appropriations set for the university by the Colorado General Assembly. I further understand and agree that my registration and acceptance of these terms constitutes a promissory note agreement (i.e., a financial obligation in the form of an educational loan as defined by U.S. Bankruptcy Code 11

AGREEMENT AND DISCLOSURE Bluff View Bank FOR ELECTRONIC FUND TRANSFERS
Agreement and Disclosure • May 20th, 2020
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Tuition and Fee Agreement and Disclosure
Agreement and Disclosure • July 24th, 2020

The payment of all tuition, fees and charges becomes an obligation of the student upon registration at the University of Colorado Boulder (“university”). By agreeing to these terms and conditions, I authorize the university to add to my account all tuition and fees, as approved by the Board of Regents. I further understand and agree that my registration and acceptance of these terms constitutes a promissory note agreement (i.e., a financial obligation in the form of an educational loan as defined by the U.S. Bankruptcy Code 11 U.S.C. §523(a)(8)) in which the university is providing me educational services, deferring some or all of my payment obligation for those services and I promise to pay for all assessed tuition, fees and other associated costs by the published or assigned due date.

Agreement and Disclosure
Agreement and Disclosure • January 23rd, 2012 • Minnesota

This INTERNET BANKING Agreement and Disclosure ("Agreement") is the contract which covers both your and our rights and responsibilities concerning the Internet Banking Product services offered to you by First Resource Bank (“INTERNET BANKING”). INTERNET BANKING permits you to inquire on all of your accounts and transactions, electronically initiate account transactions involving your accounts, electronically initiate and authorize Bill Payments from your accounts, and communicate with First Resource Bank. In this Agreement, the words "you", "your" and "yours" mean those who request and use INTERNET BANKING, any joint owners of accounts accessed under this Agreement or any authorized users of this service. The words "we", "us" and "our" mean First Resource Bank. The word "Accounts" means any one or more checking accounts, saving accounts, time deposit accounts, Installment Loans, Overdraft Protection, Personal Line of Credit, Home Equity Line, Mortgage Loan or other accounts you have wi

E-SIGN Agreement and Disclosure
Agreement and Disclosure • July 16th, 2019

This Western Alliance Bank E-Sign Agreement and Disclosure ("Agreement and Disclosure") is limited to records associated with this credit request, including your appraisal and its related Communications. It does not apply to other Communications with the Bank.

Online Banking and Bill Pay Agreement and Disclosure
Agreement and Disclosure • July 24th, 2019 • New Hampshire

This Online Banking and Bill Payment Agreement and Disclosure ("Agreement") outlines the terms and conditions governing your use of the Meredith Village Savings Bank (Bank) Online Banking and Bill Payment services ("Service"). It also describes the rights and obligations of the Bank and contains the disclosures required by the Electronic Funds Transfer Act.

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