TABLE OF CONTENTS - Metro Credit Union

1 Metro Credit Union Online Banking Agreement By clicking accept, I am app lying for Metro Credit Union Online Banking. I authorize you to charge my account for any transactions accomplished throug h the use of Metro Credit Union Online Ba nking , including the a mount of any recurring payment or transfer that I make. I agree to c omply with the Metro Credit Union Online Servi ce Ag reement and Elec tronic Funds Transfer Disclosure, as revised from time to time. I ag ree that sufficient funds must be available in my a cc ount on the date I schedule payments or trans fe rs to be made using the Metro Credit Union Online Banking Service. This Agr eement and Disclosure provides information about Metro Credit Union Online Banking services and c ontains the disclosures r equire d by the Electronic F unds Transfer Ac t. This agreement establishes the r ules that cover your electronic acce ss to your accounts at Metro Credit Union .

2 By usi ng Metro Credit Union Online Banking, you accept all the te rms a nd conditions of th is Agr eement. Please read it careful ly. The terms and conditions of the deposit agreements and disclosures for each of your Metro Credit Union acc ounts as well as your other agreements with Metro Credit Union such as loans continue to apply notwithstanding anything to the c ontrary in this Ag reement. If any provision of this agr eement is found to be un enforceable accordi ng to its te rms, all r emaining p rovisions will continue in full force and effect. For the purpo se of this document, "I, " "me," "my," and "mine" shall refer to each Depositor who enrolls in Metro Credit Union Online Bank ing. "you," "your," or "Bank" shall refer to the f inancial institu tio n at which the Depositor ha s the deposit acc ount accessed through Metro Credit Union Online Ba nking. All refer ences to time of day in this Agreement and Disclosure refer to Eastern Standard Time.

3 No one f rom Metro Credit Union will ever contact you in any form (fax, letter, email, phone ca ll, etc.) a nd ask you to provide your online banking credent ials. If you suspect any fraud ulent activity or a n attempt to gain your onl ine banking credent ials, please phone us immediately at 877-MY- Metro (877-696-3876). Credit Union Online Banking Service: Metro Credit Union Online Bank ing is an electronic bank ing servi ce that permits you to access a number of financ ialservice s throug h the use of personal computers or similar acce ss devic Available through Metro Credit Union Online Banking: Metro Credit Union Online Bank ing allows me to: 1. Transfer f unds between my Metro Credit Union accounts2. Obtain acc ount bi lls4. Export account transaction information5. View online statements6. Make loan pay ments7. Transfer f unds between acc ounts owned at o ther financial institu tions8.

4 Transfer funds to third parties9. Schedule account alerts via email and SMSC ollec tively, these are referred to as the " Metro Credit Union Online Banking Service s". Information about Metro Credit Union Online Banking:I may use Metro Credit Union Online Banking any time, day or night, 7 day s a week. Howeve r, Metro Credit UnionOnline Bank ing may be temporarily unavailable due to Metro Credit Union record updating, or tec hnical utilize the se rvices, I will need to ente r my assigned User ID and password and otherwise satisfy the system'ssecurity Procedures:A Password and Use r ID will be re quired to access the servic e. T hese are confident ial and should not be disclosed toanyone. I am responsible for the safekeeping of this information. I agree not to disclose or otherwise make thePassword and/or User ID available to anyone not authorize d to sign on my acc lity for Unauthorized Use:I will notify you immediately if I believe that my User ID and/or Password has become known to an unauthorize dpe rson.

5 Telephoning is the best way of keeping my possible losses to a minimum. If I suggest that an una uthorizedtransfer or payment may have occ urred, y ou may require me to sign an Other Conditions:I am responsible for complying with all terms of t his Agr eement and Disclosure and the regulations governing thede posit acc ounts which I access using Metro Credit Union Online Ba nking . You ca n terminate my Metro Credit UnionOnline Banking privileges without notice to me if I do not comply with those agreements. The regulations governingmy deposit acc ount are set forth in your Deposit Agreement an d Disclosures, a copy of which is available from an ybranch lo Change In Terms:We will mail or deliver a written notice to y ou a t least 30 day s before the effective date of any change in a term orcondition disclosed in this Ag reement and Discl osure, if the change would result in increased fees or charges,increase d l iabi lity, fewer types of available electronic fund transfers or stricter limitations on the fre qu ency or dollaramounts of transfers, unless prior notice is exc us ed by 05/22 2019 Wolters Kluwer Financial Services, Inc.

6 All rights reserved. AIB-TIS-CU 8/1/2019 Custom TCM-23 CUx,2bn,3r,4t 201966301-010 ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways.

7 For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and Credit Union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your Credit Union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: Preauthorized credits.

8 You may make arrangements for certain direct deposits (such as your employer, the Treasury Department, or other financial institutions) to be accepted into your checking or savings account(s). Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills. Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient Banking Transfers - types of transfers - You may access your account by telephone 24 hours per day, seven days a week at 877-696-3876 using your personal identification number, a touch tone phone, and your account numbers, to: transfer funds from checking to checking transfer funds from checking to savings transfer funds from savings to checking transfer funds from savings to savings transfer funds from Overdraft Line of Credit to checking transfer funds from Overdraft Line of Credit to savings make payments from checking to loan accounts with us make payments from savings to loan accounts with us get information about.

9 -the account balance of checking accounts-deposits to checking accounts-withdrawals from checking accounts-the account balance of savings accounts-deposits to savings accounts-withdrawals from savings accounts-obtain tax information on amounts earned on savings, checking, and money market, club, and Certificate of Deposit accounts or interest paid on loan accountsATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your Debit Card and personal identification number, to: make deposits to checking account(s) with a debit card make deposits to savings account(s) with a debit card get cash withdrawals from checking account(s) with a debit card-you may withdraw no more than $1, per day get cash withdrawals from savings account(s) with a debit card-you may withdraw no more than $1, per day transfer funds from savings to checking account(s) with a debit card 2019 Wolters Kluwer Financial Services, Inc.

10 All rights reserved. AIB-TIS-CU 8/1/2019 Custom TCM-23 CUx,2bn,3r,4t 201966301-010 transfer funds from checking to savings account(s) with a debit card transfer funds from savings to savings account(s) with a debit card transfer funds from checking to checking account(s) with a debit card transfer funds from Overdraft Line of Credit via the associated checking to savings with a debit card transfer funds from Overdraft Line of Credit via the associated checking to checking with a debit card get information about:-the account balance of your checking account(s)-the account balance of your savings accountsSome of these services may not be available at all terminals. Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers. Types of Visa Debit Card Point-of-Sale Transactions - You may access your checking, savings, and overdraft lines of Credit to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.