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U1 Online Access Agreement and Disclosure

I.Introduction

This Online Access Agreement and Disclosure ("Agreement") sets forth the terms and conditions governing the online banking services offered through U1 Online (the “Online Services”). By selecting the “I Agree” tab or using the U1 Online Services, or any of them, you agree to the terms and conditions of this Agreement.

This Article I, and Articles II, III, and IX, except as specifically noted, contain terms, conditions and provisions applicable generally to this Agreement and all products, services and relationships provided under, arising from or contemplated by this Agreement. Articles IV, V, VI, VII, and VIII contain additional terms, conditions and provisions applicable to the Bill Payment, Debit Rewards Offers, and MX Money Management Services, respectively, offered by U1 Credit Union.

As used herein, the terms "we," "us," "our," "U1 Credit Union," "U1" and "Credit Union" refer to U1 Credit Union. "You" refers to each person who has applied for or uses the U1 Online Services, or any of them; and "U1 Online Services" means the Bill Payment, Debit Rewards Offers, and MX Money Management Services provided pursuant to Articles IV through VIII, respectively, and all other products and services provided through use of U1 Online.

Each of your accounts at U1 Credit Union is also governed by the applicable account agreement and disclosure statement (“Deposit Agreement”), including, without limitation, your U1 Membership and Account Agreement. In addition to this Agreement, you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement, the Credit Union's rules and regulations, and applicable State and Federal laws and regulations. We agree to be bound by them also. The Universal 1 On-line Agreements previously executed are hereby incorporated by reference and made a part hereof as though fully rewritten herein.

II.Definitions

“Accounts” means your deposit accounts with us or any other financial institution.

“Application” means a delivery channel for various services, information, and other functions that can be added to a Remote Device.

"Application Agreement" means the agreement governing the use of the Application you must download to your Remote Device in order to use a U1 Online Service.

"Biller" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

“Bill Payment Account” is the checking account from which bill payments will be debited.

“Bill Payment Services” means the bill payment services described in and offered pursuant to Article IV hereof.

"Business Day" means Monday through Friday, excluding any federal holiday. "Check 21" means the Check Clearing for the 21st Century Act.

“Debit Rewards Offers” means the purchase rewards application described in and offered pursuant to Article VII hereof.

“Due Date” is the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period.

“Funds Transfer Service” means the transfer of funds between any two of your accounts at U1 Credit Union or any accounts you own at other financial institution, as described in and pursuant to Article VI hereof.

“MX Money Management” means the financial management service described in and offered pursuant to Article VIII hereof.

"Payment Instruction" is the information provided by you to the Bill Payment Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).

“Scheduled Payment” is a payment that has been scheduled through the Service but has not begun processing.

"Scheduled Payment Date" is the day you want your Biller to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

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