Introduction
This agreement and disclosure specifically governs the MPO Online and MPO Online Bill Payment Service, and informs you of your rights and responsibilities and the Terms and Conditions associated with the service you have requested. Please read this agreement and disclosure carefully. In this agreement and disclosure, the words “You”, “Your” and “Yours” mean each and everyone who utilizes MPO Online and MPO Online Bill Payment Service. The words “We”, “Us”, “Our”, “MFCU” and “Credit Union” mean MPO Federal Credit Union and the words “The Service” refer to the MPO Online and MPO Online Bill Payment Service.

You agree to be bound by all the terms and conditions contained herein and are in addition to the terms and conditions found in our MPO Federal Credit Union’s other membership and account agreement brochures. You further agree to follow all instructions provided by the service and reflected on your computer screen. You further agree to abide by any terms and conditions, which may be added because of our future enhancements to MPO Online and MPO Online Bill Payment Service.

MPO ONLINE’S Terms and Conditions
MPO ONLINE is a banking service that lets you manage your finances right online. It provides you access to your account, 24-hours-a-day from anywhere in the US, via the Internet. Through MPO ONLINE you can access your accounts online to check balances, review transactions, and transfer funds, obtain loan balances. Use MPO Online and MPO Online Bill Payment Service to schedule payments to merchants, review and change scheduled payments, and review payment history.

Services
Except as otherwise provided for herein using your personal computer (PC) and your designated user ID and security code, you can access MPO Online and MPO Online Bill Payment Service 24 hours a day, seven days a week.

MPO Online and MPO Online Bill Payment Service will be available 24 hours a day, seven days a week, EXCEPT when down for maintenance or as otherwise indicated in the paragraph titled “SYSTEM UNAVAILABILITY”.

Security and Protecting Your Account
MPO Federal Credit Union is strongly committed to protecting the security and confidentiality of our member account information. We use state of the art technology in the ongoing development of its MPO-ONLINE/Bill Payment Service to ensure security. In order to access MPO Online and MPO Online Bill Payment Service you must have a browser that supports 128-BIT encryption.

Security Code Issuance
Upon registration, a User ID and Security code will be issued. It is the responsibility of the customer to change the security code immediately.

Your Responsibility

• Not to give out your identifying information such as your PC password to any other person.
• Never to leave your account information displayed in an area accessible by others.
• Never leave your PC unattended while using MPO Online and MPO Online Bill Payment Service.
• To always exit and sign off the system properly.
• To Notify the credit union immediately if you suspect that your password has become known to any unauthorized person.
• That you understand that by using MPO Online and MPO Online Bill Payment Service you have agreed to the terms and conditions of this agreement.
• To use MPO Online and MPO Online Bill Payment Service solely as provided in this agreement.
• That MPO may download certain information to your computer or other access device, including customer identification information.
• To properly maintain any accounts you have with MPO Federal Credit Union, to comply with the most recent membership account agreement information brochure governing these accounts.
• To pay any fees incurred by the use or maintenance of your accounts.

Member Liability
If you fail to maintain security of your User ID and security code and the Credit Union suffers a loss, we reserve the right to terminate service to you under this agreement, as well as to terminate other deposit and loan services. MPO Federal Credit Union will not be responsible for any losses you suffer due to your failure to maintain the security of your User ID and security code. Users of the service should use such other security code protection precautions as may be appropriate under any particular set of circumstances to ensure proper security over system access and access to account and transaction information.

This service provides the capability for you to change your security code. To help safeguard your security, you should change your security code frequently. If you forget your security code or your system access is disabled due to the use of an incorrect security code, you must contact the MPO Federal Credit Union to request that a temporary security code be issued to you. We reserve the right to require written re-application for a new or replacement security code.

Fees and Charges
MPO Online and MPO Online Bill Payment Service are free services offered to all members of MPO Federal Credit Union. There is no fee for termination thereof. However, MPO Federal Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice as required by law.

Disclosure of Account Information to Third Parties
We will only disclose information to third parties about your account:

• In order to comply with Government Agency or Court Orders;
  Or
• In order to verify the existence and condition of your account for a third party, such as a Credit Bureau or Merchant;
  Or
• If you give us your written permission.

System Unavailability
Access to the service may be unavailable at certain times for the following reasons:

• Scheduled maintenance – there will be periods when systems require maintenance or upgrades;
• Unscheduled maintenance-service may be unavailable when unforeseen maintenance is necessary;

Or
• System outages-major unforeseen events, including, but not limited to: earthquakes, fires, floods, computer failures, interruption in telephone service or electrical outages, which may cause system unavailability.

MPO Federal Credit Union will make all reasonable efforts to ensure the availability of the service. However, MPO Federal Credit Union is in no way liable for the unavailability of the MPO Online and MPO Online Bill Payment Service or any consequential damages that may result.

Other Limitations of Liability
Only browsers listed on the MPO Online and MPO Online Bill Payment Service Web Site are acceptable. You are solely responsible for the selection, installation, maintenance and operation of your personal computer, and software. MPO Federal Credit Union expressly disclaims any and all liability as relates to improper use of your personal computer and the transmission of data. MPO Federal Credit Union is not responsible for any errors or failures due to any malfunctions of your personal computer or software, or unsuitability of software or any virus, or any problems that may be associated with the PC or any Internet service. MPO Federal Credit Union will notify you of any changes to the software and hardware requirements needed to access this service within an acceptable period. If you do not agree to the changes required, you may terminate the service.

Termination of Agreement and Service
You may cancel this agreement and terminate your service with MPO Federal Credit Union at any time by notifying the Credit Union orally or in writing and discontinue use of the service. The Credit Union may terminate its service and this agreement and disclosure at any time by giving you advance notification via e-mail.

Governing Law
This agreement is made in New York State and shall be construed and governed by the laws of the State of New York, without regard to its conflicts of Law Provisions and to the extent that New York Law is not inconsistent with controlling Federal Law.

Amendments
This agreement may be amended by the Credit Union at any time at its discretion. You will receive any notice of amendments required by law via e-mail.

Severability
In the event any one or more of the provisions of this Agreement shall for any reason be held invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.