This Agreement governs the Home Financial Services and related services, provided by Maine Media Federal Credit Union. Please read it carefully. In this Agreement, the words “you,” “your” and “yours” mean each and every person who utilizes the services. The words “we,” “us,” “our” and “Credit Union” mean Maine Media Federal Credit Union. The words “the service” refer only to those electronic and related services listed as follows:

Home Financial Services

AGREEMENT: You agree to all rules and regulations affecting the use of your Personal Identification Number (PIN) and the services provided by us for your convenience.

Personal Identification Number (PIN): Your PIN will be your “remote banking signature.” You are responsible for maintaining its confidentiality. You should make every effort to safeguard your PIN to prevent unauthorized use and to report any loss or theft accurately.

ACCOUNT ACCESS: Upon acceptance of your application to the credit union for the service, you may access your account at any time, seven days a week, twenty-four hours a day via the Internet. Using standard PC telecommunications software or other Internet access, and your own Personal Identification Number (PIN), you may obtain account balance and history information and transfer funds to and from any of the sub-accounts existing under your primary account number.

JOINT ACCOUNTS: We issue a Personal Identification Number (PIN) only to the primary account holder and any joint owner(s). You may make transfers to any other account on which you are a joint owner, but cannot transfer from those accounts.

CHECK WITHDRAWAL REQUESTS: You may request a check withdrawal from the following sub-accounts: Share, Regular Checking and Club accounts. We issue check(s) payable to the member-owner and all joint holders separated by the word “or” (i.e. John Smith “or” Joan Smith). We mail them to the address listed from you on our computer system. We mail all the servicecheck withdrawals during the next business day.

ACCESS LIMITATIONS: MMFCU reserves the right to limit the amount of on-line access time per month or per session.FEES AND SERVICE CHARGES: Currently there are no service charges to use the service. All standard fees (i.e. overdraft, etc.) set forth in your Membership Account agreement applies. We reserve the right to institute charges for Home Financial Services account access or transactions in the future, but only after written notification to you at least 21 days in advance.

YOUR RIGHT TO RECEIVE DOCUMENTATION: All of your Home Financial Services account activity will appear on your regular account statement. The credit union will not provide separate documentation of this activity. You may print the confirmation of each transaction from your computer screen or record the transaction confirmation number of your records.

OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS: If we do not complete a transfer to or from your account on time or in correct amount according to our agreement with you, we will be liable for your losses or damages as required by applicable Federal law. However, there are some exceptions. We will not be liable:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If the transfer would go over the credit limit on a loan (if you have overdraft protection in place).
3. If “Home Financial Services” was not working properly and you knew about the breakdown when you started the transfer.
4. If circumstances beyond our control (such as war, fire, flood, or other act of God) prevent the transfer, despite reasonable precautions that we have taken.
5. If the funds in your account are subject to a court order or other restriction preventing the transfer.
6. If your account is not in good standing, due to, but not limited to delinquent loans, negative account balances, etc.
7. There may be other exceptions stated in our agreement with you.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS: If you permit someone other than yourself to use your Home Financial Services access, all transactions are considered to be authorized by you and you are liable for this transaction. Tell us AT ONCE if you believe your 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(s). If you tell us within two business days, you can lose no more than $50.00 if someone used your PIN without your permission.

If you DO NOT tell us within 2 business days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500.00. If your statement shows 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, you may not get any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, contact Member Services immediately as directed below.

ERROR RESOLUTION: In Case of Errors or Questions about your Electronic Transfers, call or write to us immediately. Contact us if you think your statement, receipt is wrong, or you need more information about an item listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the first statement on which the problem or error appeared. Your inquiry must include:

1. Your name and account number;
2. Describe the error or transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and
3. The dollar amount of the suspected error.

If you tell us orally, we may require that you send in your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within 10 business days after we hear from you and 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 recredit your account within 10 business days for the amount you think is in error to give you full use of the money while we complete or investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 days, we may not credit your account.

If we decide there was no error, we will send you a written explanation within three (3) business days after we complete our investigation. You may ask for copies of documents that we used in our investigation.

CONFIDENTIALITY: The credit union will ONLY disclose information to third parties about your account:

1. Where it is necessary for completing transfers, or
2. In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchants, or
3. In order to comply with government agencies or court orders, or
4. If you give us your written permission.

BUSINESS HOURS: Monday through Friday: 8:30 a.m. to 4:30 p.m.

AMENDMENTS OR CANCELLATION: We may amend or cancel your Home Financial Services privileges at any time, without notice or cause. You may cancel this Agreement at any time by providing written notice to us that you wish to cancel. Cancellation will be effective as of the date we receive the notice. Any cancellation or termination will not affect your existing liability to us. In that event, all rights and obligations for any transaction(s) that occurs before the credit union receives notice of the cancellation shall be determined by this agreement.

MISCELLANEOUS: All credits for items are provisional and accepted subject to the provisions of the Uniform Commercial Code. Except as governed by the Federal Law, this agreement shall be construed and governed in accordance with the laws of the State of Maine.

CONTACT INFORMATION:
Maine Media Federal Credit Union
Attn: Member Services
PO Box 7702
Portland, ME 04112-7702

Telephone: 207-774-4307
Fax: 207-791-6692
E-mail: memberservices@mainemedia.com

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