Alliance Credit Union of Florida
Internet Account Access, Online Statements and Bill Payment Services
Agreement and Disclosure

This Internet Account Access Agreement and Disclosure ("Agreement") describes your rights and obligations as a user of the Alliance Acce$$ Internet Account Access service, Online Statements (“Electronic Records”) or the Alliance Pay Bill Payment service ("Services"). It also describes the rights and obligations of ("Credit Union"). Please read this Agreement carefully. By registering for use of these Services, or authorizing any other persons to use these services, you agree to comply with the terms and conditions of this Agreement.

1. Definitions

The following definitions apply in this Agreement:

a.     "Authorized Representative" refers to a person with authority (with respect to the account);

b.     "Bill Payment" is the online service that enables the scheduling of bill payments using a personal computer;

c.     "ISP" refers to your Internet Service Provider;

d.     "Internet Account Access" is the internet-based service providing access to your Credit Union account(s);

e.     "Online Account" means any Credit Union account or loan from which you will be conducting transactions using a Service;

f.      "Password" is the member-generated code or PIN (Personal Identification Number) selected by you for use during the initial sign-on, or the code you select after the initial sign-on, that establishes your connection to the Service and without which you cannot access the Service;

g.     "PC" means your personal computer which enables you, with the Internet browser and ISP, to access your Online Account;

h.     "Time of day" references are to Eastern Standard Time;

i.      "User ID" is the Credit Union-generated identification code assigned to you for your connection to the Service;

j.      "We", "us", or "Credit Union" refer to Alliance Credit Union of Florida which offers the Services and which holds the accounts accessed by the Services; and

k.     "You" or "your" refers to the owner of the account or the authorized representative.

2. Access to Services

The Credit Union will provide instruction about the features and/or use of Alliance Acce$$ Internet Account Access and Alliance Pay Bill Payment services through easily-accessed help menus. These help menus are available by clicking the on-line Help button, once you have signed into the service. You will gain access to your Online Accounts through the use of your Internet-enabled device, your ISP, your Password and your User ID.

You may access your Online Accounts 24 hours a day, seven (7) days a week. However, availability of the Services may be suspended for brief periods of time for purposes of maintenance, updating and revising the software, or during communication interruptions.

You can initiate our Alliance Acce$$ Internet Account Access service at any time by following the instructions below. Note that you will be required to change your Password/PIN in order to access the service subsequent to your first sign-on.

1.     Navigate to Alliance Credit Union’s home page at 1stcu.com.

2.     Click on the Alliance Acce$$ image.

3.     Enter credit union share savings account number and audio response PIN (Personal Identification Number) and then press Enter.

4.     Read the Alliance Credit Union of Florida Internet Account Access and Bill Payment Services Agreement and Disclosure.

5.     Click the Accept button at the end of the Agreement and Disclosure

6.     Enter a new password/PIN (members are required to change the PIN from that used for the audio response system) and confirm the new PIN.

You will be required to complete an application and to receive prior Credit Union authorization in order to enroll in our Alliance Pay Bill Payment service. This enrollment process assures that your selected credit union account is eligible and in good standing for the service and that appropriate security measures are in place to protect your privacy while using this service. Please allow up to five business days for your application to be reviewed and for your Alliance Pay Bill Payment service to be initiated. You will receive an E-Mail notification of your acceptance for this service, generally within two business days of making application for the service. This Welcome Letter notification will include the Bill Payment ID number required to access the Alliance Pay Bill Payment Service. For added security, you will receive a separate notification of your Bill Payment Password/PIN, usually within two business days of receiving your Alliance Pay Bill Payment Service Welcome Letter and ID number. Both your Bill Payment ID number and your Bill Payment Password/PIN will be required to enter the Bill Payment system for the first time.

For purposes of transactions, the Credit Union's business days are Monday through Friday, excluding holidays and weekends.

Online transactions conducted on Alliance Acce$$ will be reflected by a change in the amount of available funds immediately. Depending upon the time of day, and the day of the week however, these transactions will not appear in your transaction history detail, or may appear as “pending” transactions.  The transaction history detail is generally updated to show all such transactions by 7:00 AM on the first business day following the time of the transaction.

Regarding Alliance Pay Bill Payment, the deadline for entering a payment to be included in the following day's processing is 11:45pm EST. If the attempt to schedule a payment occurs after this time, the payment will not be processed on the following business day, but will occur on the second business day. 

3. Credit Union Transactions with Internet Account Access

a.     Account Access. You may access any of your Credit Union personal accounts online, including share savings, checking, and club accounts, certificates of deposit, and loan accounts. Alliance Acce$$ excludes access to VISA account information. VISA account information is available online through a separate system. See www.1stcu.com for the link to this site. The access service is free of charge, but registration is required.

b.     Transfer of Funds. In addition to viewing account information, you may use Internet Account Access to conduct the transfer of funds. You may make one-time transfers or schedule future or recurring transfers, such as transfers to make loan payments. You may transfer funds between your checking accounts and share savings accounts, and from your checking or share savings accounts to your club accounts. Additionally, you may also transfer to unrelated accounts (a separate account number or to another member) if an agreement to do so is signed and processed by Credit Union staff and you have this same capability enabled on the KISS audio response system. NOTE: Because regulations require the Credit Union to limit preauthorized transfers (including Internet Account Access transfers), the following limitations apply:

You can make no more than six (6) transfers per statement period by preauthorized or automatic transfer or by telephone or Internet Account Access from any Share Savings account, including DBA Share Savings, Basic Share Savings, Plus Share Savings, Performance Share Savings and Super Share Savings.

c.     Additional Services. New services may be introduced for Internet Account Access from time to time. The Credit Union will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be provided to you concerning these services at the time they are made available to you.

4. Schedule of Fees and Costs

The Credit Union offers the benefits and convenience of the Internet Account Access Service to you at no charge if you have a checking account relationship with the Credit Union. We reserve the right to charge a fee of $1.95 to members who DO NOT HAVE A CHECKING ACCOUNT.

The Credit Union offers the benefits and convenience of Alliance Pay Bill Payment service free for members with e-Checking, Freedom, Rewards, Rewards Plus, Senior Advantage, DBA, and Organization Checking. Members with Direct Checking will be charged a fee of $5.95 per month fee for this service. However, this fee will be waived for members with Direct Checking who have a qualifying direct deposit AND who agree to accept e-Statements instead of mailed paper statements.

The fee, if applicable, will be deducted automatically from your checking account on the last business day of each month.

You agree to all payments scheduled by you from your Bill Payment account and by any person authorized by you to use the PIN for Internet Account Access or Bill Payment services, together with any additional charges you may incur for making such payments using this service. You agree to pay any fees and charges assessed against your Online Accounts under the terms of this Agreement, the Fee Schedule, and any other agreement you have with the Credit Union. If you do not pay any amounts owing to the Credit Union under this Agreement (including overdrafts on your Bill Payment account), you authorize the Credit Union, in its sole discretion, to add any amount owing to the Credit Union to the balance of any Loan or Line of Credit you have with the Credit Union.

Additionally, if legal action is necessary to enforce this Agreement or collect any amounts owing to the Credit Union or collect any fees or charges assessed under this Agreement, the Credit Union has the right, subject to applicable law, to payment by you of all attorney's fees and costs, including fees on any appeal and any post-judgment actions. You agree that such legal action may be filed and heard in the county and state in which the Credit Union's principal place of doing business is located, if allowed by applicable law. Any disputes regarding this agreement shall be within the jurisdiction of the court of the county in which the credit union's principal place of doing business is located.

5. Statements and Notices

You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account. Members with checking accounts will receive monthly statements. Members who do not have a checking account will receive a statement at least quarterly, as well as for any month in which an electronic transfer transaction is executed. These statements will be delivered electronically unless you elect to request paper statements delivered by U.S. mail service.

If you elect to receive paper statements instead of the e-Statements that are provided to members enrolled in the Alliance Acce$$ service, the paper statements will be mailed to you at the most recent address you have given the Credit Union. Likewise, any mailed notices will be sent to you at the most recent address you have provided to the Credit Union.

If you accept electronic delivery of statements, the standard delivery method for enrollees of the Alliance Acce$$ service, your notification of the availability of the statements will be sent to you at the most recent e-Mail address you have provided to the Credit Union. Likewise, other notices mailed to you will be delivered electronically to the most recent e-Mail address you have provided to the Credit Union.

Notice to any of you will be notice to all of you. You agree to promptly notify the Credit Union in writing of any address change. Additionally, you agree to notify the Credit Union in writing at least ten (10) Business Days in advance of any change in your Checking Account or your general Credit Union status.

Electronic Records Consent

Agreement:

You specifically consent and agree that we may provide all disclosures, agreements, contracts, periodic statements, receipts, 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)"). We may provide you any or all electronic records at the e-Mail address provided to us below or we may post any or all electronic records at our Alliance Acce$$ web site. If we post electronic records on our web site, we will send a message to your e-Mail address alerting you of the posting of such records and disclosing the affected account(s). If we post electronic records on our web site, the electronic records will remain available for 24 months. We reserve the right to send any or all records to you in paper form to your current postal mailing address in our file.

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. 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, write us at:

Alliance Credit Union of Florida
412 East University Avenue
P.O. Box 2339
Gainesville, FL 32602-2339

A fee to cancel this service or to request paper copies of these electronic records may be imposed as set forth in your Fee Schedule. See “Terms & Fees” section below.

This Agreement, including the validity of any signatures or consents, any claims or any disputes arising hereunder shall be construed in accordance with and governed by the Laws of the State of Florida.

Record Format
Statement records provided through the Alliance Acce$$ web site will be an exact replica of the paper records received via US mail.

You will have the ability to view up to 24 months of statements, beginning with the month you first enrolled in the Alliance Acce$$ service.

NOTE: Alliance Credit Union implemented the e-Statement service in Fall 2002. Therefore, you will not be able to view statements generated prior to September 2002, even if you were already enrolled in the Alliance Acce$$ service at that time.

Terms & Fees
By accepting this agreement, you agree to the receipt of electronic statements and will waive the receipt of mailed paper statements.

Accepting this disclosure WILL ENROLL YOU FOR ONLINE STATEMENTS, but due to processor requirements, you will need to accept a second disclosure in order to actually VIEW your online statements.

Note: You may choose to opt-out of e-Statements and continue to receive paper statements for a fee of $3.00. You can choose the paper statement option by accepting this agreement, then accessing “User Options” inside the Alliance Acce$$ site, clicking “Online Statement Options,” then choosing the appropriate bubble, thereby accepting a $3.00 fee for paper statements and the applicable terms and conditions. The fee for this alternative statement delivery option will be deducted automatically from your savings account the last day of each month.

Equipment and Software Requirements:
To receive electronic records via Alliance Acce$$, you need a browser with 128-bit encryption. The statements are in a PDF file format; therefore, you will need Adobe Acrobat Reader to access these files. By requesting any electronic funds transfers, internet banking, other electronic services or transactions, or by submitting any application or agreement to us electronically or by e-Mailing us, you represent that you have such equipment and software and that you can download, access, read, review, print and store the electronic records we provide to you.

"e-Mail" Communication:
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. We may respond to an e-Mail communication provided by you to either the address provided with the communication or the e-Mail address within this agreement ([email protected]).

Any e-Mail returned to us as undelivered may be re-sent to you at any other e-Mail address that we have in your file, unless you have previously informed us through electronic or written notice that an e-Mail address is no longer valid.

Although we have no obligation to do so, we reserve the right to require authentication of e-Mails or electronic communications. The decision to require authentication will be at 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.

6. Use of Your Security Password/PIN (Personal Identification Number)

To access your online accounts, you must use your Internet Access Account Password/PIN. To use the Bill Payment service, you must use your Bill Payment Password/PIN. Authorized use of your Password/PIN for any Internet Account Access transaction or Bill Payment transaction is an order by you for that transaction on your Online Accounts.

Delivering your Password/PIN to another person constitutes authorization of that person to conduct any Internet Account Access inquiry or transaction on your Online Accounts and/or to utilize the Bill Payment services to make payments from your Online Accounts. You will be liable for all authorized Internet Account Access transactions and for all authorized Alliance Pay Bill Payment transactions.

You will hold your Password/PIN in strict confidence. You will have the capability to change your Password/PIN using the Internet Account Access and Bill Payment services. You are strongly encouraged to change your Password/PIN periodically as a privacy and security precaution.

In order to protect yourself against fraud, you should observe the following guidelines:

If you believe your password/PIN has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Credit Union immediately at 352-372-8225 or 800-432-6928 between the hours of 9 A.M. and 5 P.M., Monday through Friday (NOTE: offices do not open until 10 A.M. on Wednesdays). Telephoning the Credit Union is the best way of minimizing your losses and liability (See Sections 11 and 12 of this Agreement).

If the Credit Union receives such notice, the Credit Union may, at its discretion, freeze your Online Accounts to prevent further electronic access. The Credit Union may, at its sole discretion, reissue and reactivate a new PIN and/or Password for your use.

If you believe your Password/PIN has been lost or stolen, please use the Password/PIN change feature within the Internet Account Access section of the Web site to change your Password/PIN.

7. Electronic Mail (e-Mail)

Use of Electronic Mail (e-Mail) to make inquiries about an electronic funds transfer error, to report unauthorized transactions, or to contact the Credit Union regarding other concerns of a confidential nature.

If you send the Credit Union an e-Mail message, the Credit Union will be deemed to have received it on the following business day. Because of this delay, you should not rely on E-Mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. Additionally, you should be aware that most e-Mail transmissions are not secure. We advise you not to send us or ask for sensitive information such as account numbers, Password/PIN, account information, etc. via any general or public e-Mail system. We can easily retrieve your account information at the at the Credit Union, so you need only reference the name under which the account is held. However, if you are using an e-Mail system you believe to be secure, you may use this system to communicate with the Credit Union regarding inquiries about an electronic funds transfer error resolution, reporting unauthorized transactions, or contacting the Credit Union regarding other concerns of a confidential nature.

We reserve the right to use various security measures to validate the identity of any party sending us information or requesting information via e-Mail to authenticate member identity.

8. Bill Payment Services

a.     Description of Service. The Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated online Bill Payment Account to third parties you wish to pay. Your Bill Payment Account must be a checking account. Through the Bill Payment Service, you can pay bills from your Bill Payment Account to businesses or individuals.

All payments you make will be deducted from the checking account that you designate as your Bill Payment Account for the Bill Payment Service. Any payments you wish to make through this Service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict from time to time the types of payees to whom payments may be made using the Service. You should not use the Bill Payment Service to make tax payments, court-ordered payments, payments to any governmental agencies, or payments to payees outside of the United States. The Credit Union will not support these types of payments due to the difficulties of performing follow-up research with the payees in the event the payees claim non-receipt or late payment. The Credit Union will not accept liability for such payments should you initiate them using this Bill Payment service. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.

The Credit Union reserves the right to refuse to pay any payee to whom you may direct a payment. The Credit Union is obligated to notify you promptly if it decides to refuse to pay a payee designated by you. This notification is not required if you attempt to make a payment prohibited by this Agreement.

b.     Scheduling Payments. Funds must be available in your Bill Payment Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday, or holiday), funds must be available in your Bill Payment Account the following business day (e.g. Monday). After funds are withdrawn from your Bill Payment Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.

You may choose to schedule payments to recur in the same amount at regular weekly, semi-monthly, or monthly intervals. When you create a new payee in the Bill Payment Service, it takes two (2) business days to set up the payee to receive payments. You should schedule a payment to a new payee at least ten (10) business days before any payment due date to allow us time to set up the payee and verify information about your account with the payee.

If the payment is an Automatic Clearing House (ACH) electronic payment, you agree that it will take up to four (4) business days to reach the payee. However, if the company or person that you are paying cannot accept an electronic payment, you agree that the Bill Payment Service will send a check that may take up to ten (10) business days to reach the payee. If you do not follow these time frames, you will be fully responsible for all late fees, finance charges or other actions taken by the payee. However, if you do schedule your payment and follow all instructions provided, but the payment is not received by the payee in a timely manner, the Credit Union will work with the payee on your behalf to reverse any late fees or charges.

c.     No Duty to Monitor Payments. The Credit Union is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. The Credit Union will not be liable in any way for damages you incur for any of the following reasons:

·         insufficient funds in your Bill Payment Account to make the payment on the processing date;

·         delays in mail delivery;

·         changes to the payee's address or account number unless we've been advised of the change in advance;

·         failure of any payee to correctly account for or credit the payment in a timely manner; or

·         any other circumstances beyond the control of the Credit Union.

If the session during which you schedule a payment or transfer ends by 9:00 p.m. Eastern Time, the Credit Union will be considered to have received it on that day. Otherwise, the payment or transfer will be considered received on the following business day. For all entries made using the Services, the time recorded by the Internet Account Access Service will be considered the official time of the transaction.

If your Bill Payment Account does not have sufficient funds to make a payment as of the date the payment is debited to your account, the Bill Payment Service will automatically block future Bill Payment Service until the account has sufficient funds to make the payment. The Credit Union will attempt to notify you by e-Mail or U.S. Postal Mail, but the Credit Union shall have no obligation or liability if it does not complete a payment because there are insufficient funds in your account to process a payment. In all cases, you are responsible for contacting the Service at 1-800-823-7555 either to make alternate arrangements for the payment or to reschedule the payment through the Service. In the case of fixed recurring payments, only the payment currently scheduled will be impacted. Fixed recurring payments scheduled for future dates should not be affected.

d.     Cancel or Change Payment Instructions. Payments must be changed or canceled using the Service prior to 9:00 p.m. on the business day the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders, oral or written, will be in effect for a period of six (6) months. If requested by the Credit Union, you will confirm any stop payment order in writing. After six (6) months, any stop payment will terminate and must be renewed in order to continue in effect. The Credit Union may pay any item that is presented following the lapse of any stop payment order.

e.     No Signature Required. When any payment or other online Service generates items to be charged to your account, you agree that we may debit your Bill Payment account without requiring your signature on the item, and without prior notice to you. By providing the Credit Union with the names and account information of those payees to whom you wish to direct payment, you authorize the Credit Union to follow your payment instructions as transmitted using the Bill Payment system. When you schedule payments using the Bill Payment system, you authorize the Credit Union to debit your Online account on the scheduled date and to subsequently remit funds to the designated payee on your behalf.

f.      Multiple Person Bill Payment Accounts. If more than one person has access to a Bill Payment account, each person may individually enroll in the Bill Pay service. Each enrolled person needs a unique password but may choose to use the same payee list. Each individual may terminate her/his enrollment in the Bill Payment service without affecting the Service for any other person enrolled in that Bill Payment account. However, any enrolled person may terminate the Bill Payment service, which will terminate the service for all enrolled persons on that Bill Payment account.

g.     Password and Security. You agree not to give or make available your Bill Payment Password/PIN or other means to access your Online Accounts to any unauthorized individuals. You are responsible for all bill payments you authorize using the Credit Union's Bill Payment system. If you permit other persons to use the Credit Union Bill Payment system, or your Bill Payment Password/PIN or other means to access your Online Accounts, you are responsible for any transactions they authorize. If you believe that your Bill Payment Password/PIN has been lost or stolen or that someone may attempt to access your Online Accounts without your consent or has transferred money without your permission, you must notify the Credit Union (412 East University Avenue, Gainesville, FL 32601) at once by calling 352-372-8225 or 800-432-6928 during Credit Union business hours.

h.     Exclusions of Warranties. The Bill Payment service and related documentation are provided "as is" without any warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.

9. Term and Termination

a.     Term. This Agreement will become effective on the Effective Date and shall remain in full force and effect until termination in accordance with the following provisions.

b.     Termination. We may immediately terminate your electronic account access privileges (including the Bill Payment Service) without notice to you under the following circumstances:

1.     you do not pay any fee required by this Agreement when due or

2.     you do not comply with this agreement or any agreement governing your deposit or loan accounts, or

3.     your accounts are not maintained in good standing, or

4.     you have NOT logged into your account for a period of 180 days (6 months) or longer.

We may terminate this Agreement for your use of the services for any reason at the Credit Union's sole discretion. We will notify you as required by applicable law if we terminate this Agreement or your use of the Services for any other reason.

c.     Termination for Convenience. To terminate this Agreement, you must notify the Credit Union, providing your name and address, indicating the Service(s) you are discontinuing, and stating the termination date of the Service(s). When Bill Payment is terminated, any bill payments prescheduled to be made through Internet Account Access will also be terminated. Notice of termination shall not be effective on the Credit Union until the business day after the business day on which such notice is actually received by Credit Union. You may notify the Credit Union by any one of the following methods:

·         By sending an e-Mail to: [email protected]
Insert in the Subject Line: Internet Account Access and Bill Payment

·         By calling :

Wendy Richter, CFO at:
352-372-8225 X407
or
800-432-6928

·         By writing a letter and either sending it to the following address:

Attention: Wendy Richter, CFO - Internet Account Access and Bill Payment Service
Alliance Credit Union of Florida
P. O. Box 357940
Gainesville, FL 32635-2339

d.     or

e.     By giving the letter to a Member Services Specialist at any of the Credit Union's locations.

f.      If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 180-day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

10. Liability

a.     Our Liability. This section explains our liability to you only to the extent that any other agreements, notices or disclosures have not separately disclosed our liability. In no event shall we be liable to you for failure to provide access to your Internet Account Access or Bill Payment services accounts. Unless otherwise required by applicable law, we are only responsible for performing the Internet Account Access and Bill Payment services as delineated in this Agreement. We will be liable for the amount of any direct damages incurred by you and resulting directly from our gross negligence.

We will not be liable to you in the following instances:

1.     If through no fault of the Credit Union, you do not have enough money in your account to make the transfer.

2.     If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer despite reasonable precautions that we have taken.

3.     If there is a hold on your account, or if access to your account is blocked, in accordance with the Credit Union's Internet Account Access policy or any other Credit Union policy.

4.     If your funds are subject to a legal proceeding or other encumbrance restricting the transfer.

5.     If your transfer authorization terminates by operation of law.

6.     If you believe someone has accessed your accounts without your permission and you fail to notify the Credit Union immediately.

7.     If you have not properly followed the instructions on how to make a transfer included in this Agreement.

8.     If we have received incomplete or inaccurate information from you or a third party involving the account or transfer.

9.     If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, your membership and account agreement with the Credit Union, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.

IN NO EVENT SHALL WE HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM OR ARISING OUT OF THIS AGREEMENT.

b.     Indemnification. You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees and agents harmless against any third party claim, demand, suit, action or other proceeding and any expenses, including, without limitation, attorneys’ fees and court costs related to an Internet Account Access or Bill Payment account. You agree to indemnify Credit Union for any amounts, including but not limited to expenses, court costs and attorney fees, incurred by Credit Union in the event of an overdraft or your failure to perform according to the provisions of this Agreement.

c.     Third Parties. We are not liable for any loss or liability resulting from any failure of your equipment or software, or that of an internet browser provider such as Netscape (Netscape Navigator browser) or Microsoft (Microsoft Explorer browser), by an internet access provider, or by an online service provider.

d.     We will not be liable for any direct, indirect, special or consequential damages resulting from your access to or failure to access an Internet Account Access or Bill Payment account.

e.     Virus Protection. The Credit Union is not responsible for any electronic virus or viruses that you may encounter. We suggest that you routinely scan your PC using a virus protection product. An undetected virus may corrupt and destroy your programs, your files, and your hardware.

11. General Terms and Conditions

a.     Credit Union Agreements. In addition to this Agreement, you and the Credit Union agree to be bound by and comply with the requirements of all agreements applicable to each of your Online Accounts. Your use of the Internet Account Access Service or the Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review these other disclosures carefully, including disclosure of charges that may be imposed for electronic funds transfers completed as well as disclosure of any limitations upon your rights to make electronic funds transfers, and you should carefully review the fee schedule contained in this Agreement. We will automatically deduct any related to the Bill Payment service from your Bill Payment Account each month. We will automatically deduct the fees, if any applicable, related to the Internet Account Access service from your checking account each month.

b.     Changes and Modifications. The Credit Union may modify the terms and conditions applicable to the Services from time to time. We may send any notice required by applicable law to you via e-Mail, except as prohibited by applicable law, and you will be deemed to have received this notice three days after it is sent. The revised terms and conditions shall be effective at the earliest date allowed by applicable law. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

c.     Captions. The captions of sections in this Agreement are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

d.     Assignment. We may assign this Agreement to an affiliate of the Credit Union or any successor in interest in the event of a merger, reorganization, change of control, acquisition or sale of all or substantially all assets of the business to which this Agreement is related without the other party's prior written consent.

e.     Notices. Unless otherwise required by applicable law, any notice or written communication given pursuant to this Agreement may be sent to you electronically.

f.      Disclosure of Information. We will only disclose information to third parties about your account or the transfers you make under the following circumstances:

·         where it is necessary for the provision of Internet Account Access and for completing transfers;

·         in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;

·         in order to comply with government or court orders, or other reporting requirements;

·         if you give us your permission;

·         to Credit Union affiliated companies.

g.     Governing Law. This Agreement is governed by the laws of the State of Florida and applicable federal law.

Electronic Funds Transfer Disclosure

Consumer's Liability for Unauthorized Transfers and Advisability of Prompt Reporting

Tell us AT ONCE if you believe your Password/PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account (plus your maximum Line of Credit). If you tell us within two business days, you can lose no more than $50 if someone used your Password/PIN without your permission.

If you do NOT tell us within two business days after you learn of the loss or theft of your Password/PIN, and we can prove we could have stopped someone from using your Password/PIN without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Telephone Number and Address to Be Notified
in the Event of an Unauthorized Transfer

If you believe your Password/PIN has been lost or stolen or that someone has transferred or may transfer money from your Account or Line of Credit without your permission, call 352-372-8225 or 800-432-6928 or write us at Alliance Credit Union of Florida, P.O. Box 2339, Gainesville, FL 32602-2339.

What Constitutes a Credit Union Business Day
Our business days are Monday through Friday. Federal holidays are not included.

Types of Available Transfers and Limits on Transfers

Internet Account Access and Bill Payment Service Transactions and Limitations
You may access your Online Accounts by using your Password/PIN and Internet Account Access and Bill Payment Service to:

FOR SECURITY REASONS THERE ARE OTHER LIMITATIONS ON THE NUMBERS AND AMOUNTS OF TRANSFERS AND BILL PAYMENTS YOU CAN MAKE USING YOUR Password/PIN.

Charges for Transfers or Right to Make Transfers
Please refer to section 4 of this Agreement. No fee will be charged for Alliance Acce$$ Internet Account access if you have a qualifying checking account relationship with the Credit Union. You may be charged a fixed monthly fee for access to the Alliance Pay Bill Payment service, which will be based upon your checking account relationship with the Credit Union. This fixed fee will be charged regardless of whether the Internet Access Service or Bill Payment service was used during the billing cycle. There may be a charge for additional transactions and other optional services. See Fee Schedule. You agree to pay such charges and authorize the Credit Union to charge your Checking Account for these amounts and any additional charges that may be incurred by you (or your Share Savings Account if you have no checking account relationship with the Credit Union and only enroll in our Internet Account Access service.) Any fees associated with your standard share savings and checking accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service providers.

Right to Receive Documentation of Transfers
You will receive a monthly account statement from us for your Checking Account(s). These statements may arrive either electronically or via US mail, depending upon the relationship option you’ve accepted.

If you do not have a Checking Account, you will get a monthly account statement from us for your Share Savings Account(s), unless there are no electronic transfers in a particular month. In any case, you will get a statement at least quarterly. Again, these statements may arrive either electronically or via US mail, depending upon the relationship option you’ve accepted.

If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt for such deposits, you can find out whether or not the deposit has been made by using the Internet Account Access service or by calling 352-372-8225 or 800-432-6928. This does not apply to transactions occurring outside the United States.

Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:

1.     Where it is necessary for completing transactions;

2.     In order to verify the existence and condition of your account to a third party, such as a credit bureau, merchant, or Payee;

3.     To a consumer reporting agency for research purposes only;

4.     In order to comply with a governmental agency or court orders; or,

5.     If you give us your written permission.

Credit Union's Liability for Failure to Make Transfers
Liability for Direct or Consequential Damages
If we do not complete a transfer (including Bill Payments) to or from your 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 stated in our agreements with you.

Electronic Signature:
By selecting the "Accept" button below, you consent and agree that your Account Number and PIN which were used to access this page constitute your signature, acceptance and agreement to the terms and conditions provided on this page, 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. 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.

I have read the EFT Disclosure displayed and agree to the terms and conditions