Self-Enrollment Disclosure

Please read the disclosure in full and click on "I agree" to self enroll in AMFCU@nytime.

AMFCU@nytime Disclosure AMFCU@nytime is an additional "electronic" service provided for the convenience of our members. This agreement defines Your and the Credit Union's rights and responsibilities with respect to transactions. You understand that all agreements and rules and regulations applicable to your accounts and account services, as set forth in your Membership and Account Agreement and otherwise, remain in effect and apply to this agreement, except as specifically modified herein. This agreement governs to the extent that there is any conflict. You specifically consent and agree that we may provide all disclosures, agreements, contracts, periodic statements, receipts, notices, modifications, amendments, and all other evidence of our transactions with you or on your behalf electronically (hereinafter all such documentation is referred to as "electronic record(s)". You have a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. Also, you may withdraw your consent and revoke your agreement to receive records electronically. To request a paper copy or to withdraw your consent and agreement to receive electronic records contact us at the address or telephone number listed.

This agreement between you and the credit union governs the use of AMFCU@nytime, and other applicable "on-line services", which are electronic services that permit credit union members to apply for and/or to access a number of financial services through the use of personal computers. Accounts and services provided by us, which you access through AMFCU@nytime may also be governed by other provisions of the Membership and Account Agreement. To provide these services, we may contract with one or more third parties from time to time. The credit union reserves the right to change vendors from time to time, without notice to you. By applying for any of these services, use of any services, or continued use of these services, you consent to our use of vendors and our sharing of information about you with vendors. You may be required to make transactions directly with or through vendors in order to use these services.

Equipment & Software Requirements: In order to experience the best Augusta Metro Federal Credit Union has to offer online, we recommend one of the following browsers: Windows XP or higher, MicrosoftR Internet Explorer (MSIE) 7 or higher, NetscapeR 6.XX Netscape 7.XX Macintosh PowerPC: Microsoft Internet Explorer (MSIE) 5.XX Netscape 6.XX Netscape 7.XX

Virus Protection: We are not responsible for any electronic virus or viruses that you may encounter. The credit union suggests that you routinely scan your PC and diskettes using a reliable virus protection software product to detect and remove any viruses found. An undetected or un-repaired virus may corrupt and/or destroy your programs, files and even your hardware. You understand that by signing an application, completing and submitting an application on-line, using or continuing to use these services, you agree to the terms and conditions of this Agreement.

Electronic Signature: You consent and agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action while using any electronic service we offer; or in accessing or making any transactions regarding any agreement, acknowledgment, consent, terms, disclosures or conditions constitutes your signature, acceptance and agreement as if actually signed by you in writing. Further, you agree that no certification authority or other third party verification is necessary to the validity of your electronic signature; and 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.

Electronic Records: To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry of the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records.

E-mail and Facsimile communications: You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application and Signature card, or any other application or written communication actually received by us.

Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the credit union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction.

Further, the credit union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through unsecured e-mail communications. If you need to contact the credit union immediately regarding an unauthorized transaction, stop payment request, or otherwise, you may call the credit union at the telephone number listed.

You expressly consent and agree to us, our agents or any parties we authorize sending and your receiving any communications hereunder by facsimile or other electronic methods including any offers for credit union, affiliate, or third party services and/or products.

Services: The following are examples of what you can do using AMFCU@nytime. * Transfer funds within the account. * Withdraw funds from your savings and checking accounts. * See a summary of your accounts * Make transfer payments to Loans with the credit union with funds transferred from checking and savings accounts. * Get account information and/or statement update for checking, savings, or loan accounts. * Request information about any service offered by the credit union.

Fees and charges for AMFCU@nytime/Changes in terms/fees: There is no fee or charge for AMFCU@nytime. There are certain charges for electronic funds transfer services. The fees and charges that may be assessed against your account for electronic fund transfer services are set forth in the Truth in Savings Disclosure. From time to time, the charges may be changed. We will notify you of any changes as required by law. Your use of these services after any such change will evidence your agreement to any changes.

Cancellation: This agreement will remain in effect until you or the credit union terminates it. You understand that you may cancel this agreement at any time by notifying us electronically, by mail, by phone, or at any one of our branch locations. The credit union may cancel this agreement and terminate your use of any services for any reason, at any time. We will try to notify you in advance, but we are not obligated to do so.

Limit of credit union's and other provider's responsibility: The credit union agrees to make reasonable efforts to ensure full performance of AMFCU@nytime. We will be responsible for acting only on those instructions sent through AMFCU@nytime, which are actually received and cannot assume responsibility for malfunctions in public communication facilities not under our control that may affect the accuracy or timeliness of messages you send. NEITHER THE CREDIT UNION NOR ANY SOFTWARE SUPPLIER MAKES ANY EXPRESS OR IMPLIED WARRANTIES CONCERNING AMFCU@nytime SOFTWARE OR SERVICES INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD PARTY PROPRIETARY RIGHTS UNLESS DISCLAIMING SUCH WARRANTIES IS PROHIBITED BY LAW.

We do not and cannot warrant that AMFCU@nytime will operate without errors, or that any or all AMFCU@nytime services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to AMFCU@nytime, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of the credit union and is affiliates exceed the amounts paid by you for the services provided to you through AMFCU@nytime.

Links to other Sites: Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the credit union of the contents on such third-party website. Credit Union is not responsible for the content of linked third-party sites and does not make any representation regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk.

Further we will not be liable for losses: 1. If your telephone, PC or AMFCU@nytime were not working properly and the equipment failure should have been apparent to you when you attempted to authorize a transaction. 2. If you have not given us complete, accurate or current account numbers or other identifying information so that the credit union can properly complete a transaction. 3. If you have not properly followed the AMFCU@nytime instructions or have provided us with wrong or inaccurate information.

Assistance with AMFCU@nytime: If you need assistance with AMFCU@nytime or if you need to communicate with us, you can contact us at the phone number or address listed.

Password: You must use your Password to log onto AMFCU@nytime for the initial sign on. Your initial password and user name will be emailed to you once you are authorized to use AMFCU@nytime. You must change your Password at first log-in. You agree not to give or make available your Password or other means to access your account to any unauthorized individuals. You are responsible for all transactions you authorize using AMFCU@nytime. If you permit other persons to use AMFCU@nytime or other means to access your account, you are responsible for any transactions they authorize. If you believe that your Password has been lost or stolen or that someone may attempt to use AMFCU@nytime without your consent or permission you must contact us immediately at the address or telephone number listed. When using AMFCU@nytime, you must, when prompted, enter your Password and any other requested information. By entering the correct information you will have direct access to your credit union accounts.

Electronic Funds Transfers Agreement and Disclosures: The Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services offered to you by Augusta Metro Federal Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. Pre-authorized, automatic or telephone withdrawals or transfers from Savings Accounts are limited to no more than six (6) transfers in each calendar month. No more than three of the six withdrawals or transfers may be made by check, share draft or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. However, you may make an unlimited number of withdrawals from or transfers among your own Share Accounts by mail, messenger, in person, or at the ATM. Transfers or withdrawals in excess of the above limitations subject your account to a fee and possible account closure. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Full disclosure of EFT services is included in your Membership & Account Agreement.

The following disclosures and terms will also govern your AMFCU@nytime relationship with the credit union: Termination and Amendment: The credit union reserves the right at any time to terminate your right to make transactions without prior notice to you. If law requires notification, notice will be mailed to you at the address shown on the credit unions' records. It is the obligation of each member to provide new addresses to the credit union.

Joint Owners/Authorized Users: If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any savings and checking or loan accounts as provided in the Agreement. Each joint account owner, without the consent of any other account owner, may and hereby is authorized by every other joint account owner to make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners and the credit union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. "Authorized User" means any person who has actual, implied or apparent authority, or who any owner has given any 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. If you authorize anyone to use your access devices, the authority shall continue until you specifically revoke such authority by notifying the credit union. If you fail to maintain the security of these Passwords and the credit union suffers a loss, we may terminate any or all of your account services immediately. 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.

Access Device Revocation: Any Access Device issued by the credit union or its agent may be revoked without notice to you in the event that any of the following conditions occur: 1. Overdrafts occur as a result of insufficient or uncollected funds on an account. 2. Any transaction that occurs on your account(s) which results in a monetary loss to the credit union. 3. Loan, VISA® or other delinquency with the credit union. 4. Forced closure of savings or checking account at the credit union due to misuse. 5. Special balance requirements, if any, are not maintained by the member. 6. Any other situation in which the credit union deems revocation to be in its best interest.

Limitation or frequency and dollar amounts of transactions: You may make any number of transactions between your accounts or from your accounts as long as you stay within your available balance of collected funds and you observe the limitations on dollar amounts of transactions. For security reasons, you may be limited to the number of transactions you can make on a given day, whether or not you have withdrawn your maximum dollar amount. Transfers from a savings account or combined savings/checking account to another account or to a third party by pre-authorized, authorized, or telephone transfer are limited to six (6) per month as explained in your Membership Agreement with us, the terms of which are incorporated by reference.

Liability for failure to make a transaction: If the credit union does not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, the credit union may be liable for your losses or damages. However, there are some exceptions to this, which include the following: 1. You do not have enough money in your account to make the transaction through no fault of ours. 2. The system you were using was not working properly and you knew about the breakdown when you started the transaction. 3. Circumstances beyond our control (such as fire, flood or electrical failure) prevent the transaction, despite reasonable precautions that we have taken. 4. If funds in your account are pledged as collateral or frozen because of a delinquent loan. 5. The funds in your account are subject to legal process or other similar encumbrance. 6. The transaction would exceed one of the established limits contained in this Agreement or by other credit union agreements. 7. Access to your account has been blocked after you have reported your Password or other access device has been lost or stolen.

Collections: You agree that the Credit Union shall be entitled to recover any money owed by you as a result of your use of any of the electronic services and you agree to repay any amounts which create an overdrawn balance immediately upon demand. You will be charged an overdraft fee as listed on the rate and fee schedule. Information Disclosure: We will disclose information to third parties about your account or the transactions you make: (1) when it is necessary for completing transactions, or (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or (3) in order to comply with government agency or court orders, or (4) if you give us your written permission.

Business Day Disclosure: Although AMFCU@nytime is available 24 hours per day, our business hours are as follows: Highway 56 Branch M 9:00 – 4:00 W 8:00 – 4:00 Th 9:00 – 4:00 F 7:00 – 5:00 Davis Rd Branch M 9:00 – 5:00 T 9:00 – 1:00 W 9:00 – 5:00 Th 9:00 – 5:00 F 9:00 – 6:00 S 9:00 – 1:00 (Drive Thru only) Lumpkin Road Branch M 9:00 – 5:00 T 9:00 – 1:00 W 9:00 – 5:00 Th 9:00 – 5:00 F 9:00 – 6:00 Waynesboro Branch M 9:00 - 5:00 W 10:00 - 5:00 Th 9:00 - 5:00 F 9:00 - 5:00 S 9:00 - 1:00

Notices of Changes in Service: All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union’s records. Notices from you will be effective when received by the Credit Union at the address specified in the Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

In case of errors or questions about transactions: Contact us at the telephone number or address listed as soon as you detect an error or have a question concerning your statement or receipt. You must contact us within sixty (60) days after we send the first statement on which the problem or error appeared; and you must provide us with the following information: Your name and account number. Describe the error or 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 contact us verbally, we may require that you send us your complaint or question in writing within (10) business days. We will notify you of the results of the investigation within ten (10) business days* after we hear from you, and will correct any error promptly. However, if additional time is required, we may take up to forty-five (45) days** to investigate your complaint or question. If additional time is required, we will provisionally credit your account within ten (10) business days* for the amount in question. If we ask you to put your complaint or question in writing, and we do not receive it within ten (10) business days, we have the option not to provisionally credit your account. If we decide there was no error, you will be notified within three (3) business days. You may request copies of the documents used in our investigation. Expenses incurred by the credit union to research disputed transaction(s) shall be paid by you when such transaction(s) are proven to have been authorized by you or made by an unauthorized user. Further, once the investigation concludes no error has occurred or that the disputed transaction(s) was authorized, you will be responsible for repayment of any provisional credits to your account(s). The credit union reserves the right to debit such amounts and/or place sufficient holds on your accounts to recover such funds. *If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days as indicated above. **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a Point of Sale transaction, or notice of an error involving a transaction initiated outside the United States, its possessions or territories, we will have ninety (90) days instead of forty-five (45) days. Your liability for unauthorized transaction: Contact us immediately if you believe your Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. Contact us at the telephone number or address listed. You could lose all available funds in your account(s). If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your Password without your permission. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from accessing your account, you can lose as much as $500.00. Also, if your statement shows transactions that you did not make, contact us immediately. If you fail to notify us within sixty (60) days after the statement date; you may not receive any money lost after the sixty (60) days. If records prove that we could have prevented the loss of funds and you failed to contact us within the time frame, then you may not receive a refund. We reserve the right to extend the time periods if the credit union feels it necessary.

Reporting a lost/stolen Password: If you believe that your Password has been lost or stolen or that someone has made a transaction or may make a transaction that is not authorized, you agree to immediately notify us. You can contact us at the telephone number or address listed.

Controlling Law and Users Responsibilities: Our web site and the electronic services that we provide (excluding linked sites) are controlled by the credit union from its principal offices within the State of Georgia, which law governs this Agreement. While you may choose to access our web site and electronic services from other locations, we make no representation that any information, materials, or functions included in our web site or via our electronic service are appropriate or authorized for use in other jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations.

Enforcement: You are liable to us for any loss, cost or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post - judgments collection actions.

Contact Information: Call or write us regarding your AMFCU@nytime at: Augusta Metro Federal Credit Union P. O. Box 213089 Augusta, GA 30917 (706) 854.6140 or 1.800.442.5655 or email us at contact@youramfcu.org

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