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

SCCU.COM ONLINE BANKING SERVICE.

Online Banking. If we approve your application for the SCCU.com Online Banking service, you may use your personal computer to access your accounts. You must use your CALL-24 PIN along with your account number to access your accounts. The SCCU.com Online Banking service is accessible seven (7) days a week, twenty-four (24) hours a day. You will need a personal computer, direct dial or cable modem and access to the Internet (Word Wide Web). You are responsible for the installation, maintenance and operation of any software and your computer. The Credit Union will not be responsible for any errors or failures involving any telephone service, Internet service, software installation or your computer.

Types of Transactions. At the present time, you may use the SCCU.com Online Banking service to:

Transfer funds between your checking, savings and loan accounts.
Transfer funds to accounts of other members you authorize for any of your accounts.
Review account balance, transaction history and tax information for any of your checking, savings or loan accounts.
Request a withdrawal from any checking, savings, or loan account by check mailed to you.
Download your account information to financial management software programs like Quicken® or Microsoft® Money, if applicable.
Make bill payments to a business (payee), review bill payment history and make scheduled bill payment changes.
View and print your monthly account statements.
Conduct other transactions permitted by the Credit Union.
Communicate with the Credit Union using the electronic mail ("E-mail") feature.
Transactions involving your deposit accounts, including checking account stop payment requests, will be subject to the terms of your account agreement and transactions involving a line of credit account will be subject to your loan agreement and disclosures, as applicable.

Service Limitations. The following limitations on SCCU.com Online Banking transactions may apply in using the services listed above:

1. Transfers. You may make funds transfers to other accounts of yours as often as you like. However, transfers and bill payments from a savings or a money market account will be limited to a total of six (6) in any one month. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.
2. Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for ATM transactions and our Funds Availability Policy.
3. E-Mail. The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Financial Institution actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at the telephone number set forth in the Liability for Unauthorized Access section.

Bill Pay
You may authorize new payment instructions or edit previously authorized payment instructions for bill payments that are either periodic and nonrecurring (ie payments on merchant charge accounts that vary in amount) ("periodic bill payments") or automatic and recurring (ie fixed monthly mortgage payments) ("automatic bill payments"). When you transmit a bill payment instruction to us, you authorize us to transfer funds to make the bill payment transaction from the account you designate. We will process bill payment transfer requests only to those payees designated in the Credit Union's User Instructions and such payees as you authorize and for whom the Credit Union has the proper vendor code number. The Credit Union will not process any bill payment transfer if the required transaction information is incomplete. If there are insufficient funds in your account to make the bill payment request, we may either refuse to make the payment or make the payment and transfer funds from any overdraft protection account you have established. The Credit Union reserves the right to refuse to process payment instructions that reasonably appear to the Credit Union to be fraudulent or erroneous. The Credit Union will withdraw the designated funds from your account for the bill payment transfer by 10:00 pm on the date you schedule for payment. The Credit Union will process your bill payment transfer within one (1) business day of the date you schedule for payment . The Credit Union will make only two attempts to process your scheduled payment transfer. Each attempt will result in an NSF fee of $29.00 if there are insufficient funds in your checking account.

It is your responsibility to schedule your bill payments in such a manner that your obligations will be paid on time. You should enter and transmit your bill payment instructions through SCCU.com Online Banking at least 6 - 10 business days before a bill is due. You are responsible for any late payments or finance charges that may be imposed as a result of your failure to transmit a timely bill payment authorization.

You may cancel or stop payment of periodic and automatic bill payment instructions under certain circumstances. If you discover an error in or want to change a payment instruction (ie payment date or payment amount) for a periodic or automatic bill payment you have already scheduled for transmission through SCCU.com Online Banking, you may electronically edit or cancel your payment request through SCCU.com Online Banking. Your cancellation request must be entered and transmitted through SCCU.com Online Banking before the date you have scheduled for payment. If your request is entered prior to the payment date of the bill, and the payment is made, you will be responsible for the payment. If you wish to place an oral stop payment on an automatic bill payment transaction not using SCCU.com Online Banking, the Credit Union must receive your oral stop payment request at least three (3) business days before the next payment is scheduled to be made. You may call the Credit Union at (321) 752-2222 or (800) 447-7228 to reach the Member Service Center, and request a stop payment. If you call the Credit Union, we will require you to confirm your stop payment request in writing within fourteen (14) days after the call, and the Credit Union may charge a fee for each request. There may be a fee for any stop payments on any bill payer transactions that have already been processed.

Bill Payment Fees.

• eStatement users (cancellation of paper statement required) & Platinum members --- Free, unlimited payments.
• Member Rewards pricing to be billed on the last day of each calendar month:
• Gold---$4.95 for up to 20 payments,then .40 per payment over 20.
• Silver---$5.95 for up to 20 payments, then .40 per payment over 20.
• Basic---$6.95 for up to 20 payments, then .40 per payment over 20.
• Overdraft transfer fee of $4.00 per transfer.
• Stop Payment Fee of $15.00 per item.
• Check copy fee of $5.00 per item.
• Research fee of $20.00 if the time period involved spans six months or greater.
• NSF Fee of $29.00 per item.

SECURITY OF PIN#. The personal identification number (PIN) you have chosen is for your security purposes. The PIN is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your PIN. You agree not to disclose or otherwise make your PIN available to anyone not authorized to sign on your accounts. If you authorize anyone to use your PIN, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. If you fail to maintain the security of your PIN and the Credit Union suffers a loss, we may terminate your SCCU.com Online Banking and account services immediately.

LIABILITY FOR UNAUTHORIZED ACCESS. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the SCCU.com Online Banking service or your PIN, 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 PIN or accessed your accounts through SCCU.com Online Banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or PIN, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). In any event your liability for unauthorized line of credit transactions through SCCU.com Online Banking is fifty dollars ($50.00).

Also, if your statement shows SCCU.com Online Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you or retrieved electronically, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason kept you from telling us, we will extend the time periods.

If you believe that someone has used your PIN or has transferred or may transfer money from your account without your permission, call the Credit Union at:

321-752-2222 or 800-447-7228 to reach the Member Service Center, during business hours.

or write the Credit Union at:

Space Coast Credit Union
ATTN: Member Service Center
PO Box 419001
Melbourne, Florida, 32941-9001

BUSINESS DAYS. Our business days are Monday through Friday. Holidays are not included.

FEES AND CHARGES. There are certain charges for SCCU.com Online Banking services as set forth on the Credit Union's Fee Schedule. From time to time, the charges may be changed. We will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement.

PERIODIC STATEMENTS. Transfers, withdrawals, and bill payments transacted through SCCU.com Online Banking will be recorded on your periodic statement. You will receive a paper statement through regular mail or an electronic statement through online banking, monthly unless there is no transaction in a particular month. In any case, you will receive a paper or electronic statement at least quarterly.

ELECTRONIC STATEMENTS

By submitting the electronic statement form you are certifying under penalties of perjury that you are the person named within the document, that you are a member/owner on the account(s) listed within the enrollment form and that the email address is your email address, and that you agree to all terms and conditions set forth herein. Any e-mail returned to us as undeliverable may be re-sent to you at any other external email address that we have on file or through the internal email system of Online Banking. You must establish and maintain an accurate email address to avoid any delays in receiving your notification of your account statement.

You elect to obtain your Space Coast Credit Union account information online and request that Space Coast Credit Union discontinue mailing you paper statements for the accounts indicated. You understand that along with receiving electronic account statements, You will also receive Bill Pay Free. You understand that Space Coast Credit Union will stop delivery of your account statements in paper form, but will mail a paper account statement, at any time, upon request. You authorize Space Coast Credit Union to use your email address or the internal email system in Online Banking to communicate with you electronically. Space Coast Credit Union will not disclose information to third parties, excluding credit union affiliates, concerning your account with us, Space Coast Credit Union does not and will not sell or provide any personal information to third parties for independent use.

Enrollment for the Electronic Statement service requires that you have access to a personal computer, a browser that supports 128-bit encryption, and Internet connection, which permits you access to the email account provided in the enrollment form, and which contains a PDF document reader. By clicking the "Submit" button in the eStatement enrollment form, you are authorizing Space Coast Credit Union to deliver your monthly Account statements to you via electronic means using secure email protocol and you consent and agree that your submission of this form constitutes your signature, acceptance and agreement to the terms and conditions provided as if actually signed by you in writing. Further, you agree that no certification authority or other third party verification is necessary as to the validity of your electronic signature. You agree that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract between you and the Credit Union.

If you receive your statements electronically, you will not receive paper copies of those statements. All regulations and consumer protection acts applying to paper statements will also apply to statements delivered via electronic means. You must continue to report any account, balance, or transaction discrepancies within 60-calendar days of delivery or retrieval of your statement. For detailed information concerning your rights and responsibilities, please refer to your statement insert. After you enroll, you can always terminate your enrollment; you will once again receive your statements by U.S. Mail. You will not be charged a fee to terminate your enrollment in this service. If you wish to receive a paper copy of any statement we have sent you electronically, you can contact us by calling our Member Service Center at 800-447-7228 or 321-752-2222 during normal business hours or you may contact us by mail by writing to:

Space Coast Credit Union
PO Box 419001
Melbourne, FL 32941-9001
We would be happy, upon such request, to send you a paper statement. You will be charged in accordance with our standard fee schedule for all paper statement copies.

ACCOUNT INFORMATION DISCLOSURE. We will disclose information to third parties about your account or the transfers you make:

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

CREDIT UNION'S LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you and the instructions you transmit, we will be liable for your actual losses or damages. However, the Financial Institution will not be liable:

• If, through no fault of ours, you do not have adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicable.
• If you used the wrong PIN or you have not properly followed any applicable computer, Internet Access, or Credit Union user instructions for making transfer and bill payment transactions.
• If your computer fails or malfunctions or the SCCU.com Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction.
• If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment 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 Financial Institution can process a transfer or bill payment.
• If the error was caused by a system beyond the Credit Union's control, such as your Internet Service Provider.
• If you do not authorize a bill payment soon enough for your payment to be made and properly credited by the payee by the time it is due.
• If the Credit Union makes a timely bill payment but the payee nevertheless does not credit your payment promptly after receipt.
• If there are other exceptions as established by the Credit Union from time to time.
  

TERMINATION OF SCCU.COM ONLINE BANKING SERVICES. You agree that we may terminate this Agreement and your use of the SCCU.com Online Banking services if you or any authorized user of your account or PIN breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your account or PIN.

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. However, termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

NOTICES. The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law. Use of the SCCU.com Online Banking service is subject to existing regulations governing your accounts and any future changes to those regulations.

BILLING ERRORS. In case of errors or questions about your SCCU.com Online Banking transactions, telephone us at the phone number or write to us at the address set forth above in the Liability for Unauthorized Access section as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.

Tell us your name and account number.
Describe the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) calendar days. We will determine whether an error occurred within ten (10) business days after we hear from you and we will correct any error promptly. If we need more time, however, we may take up to forty-five (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 funds 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.

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 that we used in our investigation.

If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the applicable time periods for action shall be twenty (20) business days in place of ten (10) business days. If a notice of error involves an electronic fund transfer that was initiated in a foreign country or occurred within thirty (30) days after the first deposit to the account was made, the applicable time period for action shall be ninety (90) calendar days in place of forty five (45) calendar days.

ENFORCEMENT. You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable.

GOVERNING LAW. This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of Florida where you opened your account, and the Bylaws of the Credit Union as they now exist or may be hereafter amended. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of this Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement between us.