Disclosures

Account & Service Fee Schedule | Digital Banking Services Agreement & Disclosures | Equal Opportunity for All | Membership Agreement | Privacy Notice | Terms & Conditions | Truth in Savings | Visa Debit/ATM Card Agreement

Account & Service Fee Schedule

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Digital Banking Services Agreement & Disclosure

Digital Banking Services provided by Community CU, including Online Banking, eStatements, Bill Payer, Mobile Banking, Online Loan Applications and Online Account Opening, enable you to do your banking from the comfort of your home, office or while traveling.

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Digital Banking

Digital Banking is a service that lets you use your computer or mobile device to perform many functions, including:

• Secure and convenient access to your Credit Union
• View current account balances for all accounts you have in one spot
• View account histories for all accounts you have in one spot
• Make transfers between accounts and pay loans
• View and download cleared drafts
• Obtain tax information
• Communicate with your credit union via secure e-mail
• Review your previous statements (for primary account holder)
• Pay monthly bills on demand
• Schedule monthly bill payments on a reoccurring basis
• Deposit checks (mobile access only)
• Place a check reorder
• Request a stop payment on a Check
• Credit Card Management
• Shop for a vehicle with TheCarCrusader
• Make investments with EasyVest
• Apply for a Loan
• Shut down your Debit Card with Card Controls
• Submit Travel Notifications for your debit or credit card
• Allow trusted Family & Friends to have access to your account
• Schedule a Share or Loan Transfer
• Manage Alerts
• Update Profile and Security Settings

Enrollment

To enroll for any of these services go to www.communitycreditunion.com and click the Online Banking Register hyperlink or download our application.

Notification Procedure

If you believe that your login information has been LOST or STOLEN, or that someone has transferred or may transfer money from your account without your permission, call us at 207.783.2096 or write to us at Community Credit Union, 144 Pine Street, Lewiston, ME
04240.

Business Hours

Our business hours for the lobby are: Monday through Friday 9:00 am to 5:00 pm

Transfers

You may make transfers to your accounts or other accounts you authorize as often as you like except for those accounts with transfer limitations as disclosed on the rate and fee schedule you received when you opened the account and any amendments to that schedule.
You may transfer up to the balance in your account at the me of the transfer, except as limited under other agreements. We reserve the right to refuse any transaction that would draw upon insufficient funds or lower an account below a required balance. Digital Banking transactions may be made at any time, seven (7) days a week unless the service is unavailable due to computer back-up procedures or maintenance.

IMPORTANT NOTE

Recurring transfers where the date scheduled falls on a Sunday or a holiday will occur the next business day.

Fees and Charges

There are no additional charges for this service. Electronic Bill Payer, which is an optional service through Digital Banking, has no fee unless it's not used for more than 60 days, then there's a $4.95 monthly fee. This service, however, may be canceled at any time.

Conditions Under Which We Will Disclose Information To A Third Party

You agree that we may, and you hereby authorize us to, disclose information to third parties about your accounts) or the transfers you make (1) where it is necessary for completing transfers: (2) in order to verify the existence and condition of your account for a third party. such as a credit bureau or merchant; (3) in order to comply with government agency or court orders as permitted by law, or (4) if you give us your written permission.

Documentation and Verification of Transfer

You will receive a monthly statement of your account activity unless no electronic transfers were made to or from your account(s) during the month, in which case you will receive a statement at least quarterly. Upon completion of a check order or stop payment request, you will receive a confirmation number. You should record this number with your request. You will not receive any other receipt or confirmation of a transaction.

Error Resolution

Telephone or write us at the number and address shown at the beginning of this Agreement, as soon as you can, if you think your statement is wrong, or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty
(60) days after we send you the first statement on which the problem or error appeared. Provide the following information:

• Your name and account number.
• Describe the error or the transfer you are unsure about, and a clear explanation of why you believe it is an error, or why you need more information
• The dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (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. For international transactions, we may take up to ninety (90) days to investigate your complaint or question. If deemed appropriate, we will re-credit your account within ten (10) business days (five (5) business days for Visa Debit Card) for the amount you think is in error, so you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not re-credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Cancellation

We may cancel your Digital Banking privileges at any time without notice or cause. If we cancel Digital Banking, you will also no longer have access to any programs within our Digital Banking platform. You may cancel this Agreement at any time by providing us with written notice 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.

Liability

If we do not complete a transfer 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:

If, through no fault of ours, you do not have enough money in your account to make the transfer.
If our Digital Banking system was not working properly and you either knew it was not working properly when you started the transfer or we posted a notification of an outage in advance.
If circumstances beyond our control, (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

Modifications

This Agreement may be amended by us without prior notice to you when such an amendment is immediately necessary to maintain or restore the security of the system or a member's account(s). We will notify you in writing thirty (30) days or as otherwise required by law prior to the effective date of any other change In any term or condition of this Agreement.

Home Banking Directions For First Time

Visit our website www.communitycreditunion.com and Digital Banking tutorial for full details.

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Equal Opportunity for All

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Title VI & Section 504 Notice

In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability.

Submit a complaint of discrimination, by mail to:

U.S. Department of the Treasury
Office of Civil Rights and Equal Employment Opportunity
1500 Pennsylvania Ave. N.W.
Washington, D.C. 20220
Phone: (202) 622-1160
Fax: (202) 622-0367
Email: [email protected]

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Membership Agreement

View our Membership Agreement here

Privacy Notice

View our Privacy Notice here

Terms & Conditions

This Agreement, sometimes referred to as 'Terms and Conditions, comprises the terms governing your use of Community Credit Union's online loan application platform (the "Platform"), which we use to offer you the ability to complete and submit a loan application online. By continuing to use the Platform, you accept and agree to the following terms and conditions, as the same may be revised from time to time:

1. 'We', 'us', and 'Credit Union' refer to the Credit Union.
2. You agree to use the Platform in a manner consistent with these Terms and Conditions.
3. You may not transfer, sell, or otherwise assign your rights or obligations under this Agreement.
4. We may terminate your access to and use of the Platform at any time.
5. This Agreement incorporated the Privacy Statement set forth on this Platform as the same may be modified from time to time.
6. You acknowledge that the Credit Union or its licensors own and hold all intellectual property and proprietary rights, title and interest in the Platform, and that your use of the same does not transfer any rights in the same to you. You agree:
   1. Not to copy, reproduce, distribute, publish, display, perform, modify, or create derivative works from the Platform. You may only download material from this Platform for your own use as follows: you may make one machine readable copy and/or one print copy that is limited to occasional items of individual interest only. You may not remove or amend any trademark, copyright or other proprietary notice. Without limiting the generality of the foregoing, you may not distribute any part of this Platform over any network, nor sell or offer it for sale. You may not copy, de-compile reverse-engineer, disassemble, modify, or create derivative works of the Platform. Open Source software used in the Platform is provided in accordance with the terms of the applicable Open Source Software license, and Credit Union and its licensors are not a party to the same. We reserve all rights that are not specifically granted to you.
   2. That you are expressly prohibited from presenting the Platform in a setting created by you or a third party (e.g. through framing), particularly (but not exclusively) where that setting includes advertising or other materials that we have not expressly authorized to be displayed with the Platform.
   3. That any of your questions, comments, or suggestions for improvements regarding the Platform or the services that you email, post, or otherwise transmit to Us (your "Communications") will become the property of the Credit Union. You hereby relinquish and assign to the Credit Union the worldwide, royalty free, right and title to run, use, re-use, implement, copy, display, and create derivative works from, those Communications, including any ideas, concepts, know-how, or techniques contained in your Communications for any purpose.
7. If you choose, or are provided with, a username, or any other piece of information as part of our security procedures, you must treat such information as confidential.
   1. You should not disclose it to any other person or entity. You also acknowledge that your account is personal to you. You should not Provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
8. Where we provide or enable links to third party sites, we do so for information purposes only and we accept no liability for your use of the same.
9. You will be responsible for all charges and obligations incurred, and liabilities for harm caused, and for all actions taken, through your use of this Platform.
10. You agree to indemnify and hold us harmless from and against all losses, expenses. damages and costs, including reasonable attorneys fees, resulting from use of this Platform, including, but not limited to, any violation of this agreement, or the failure to fulfill any obligations relating to use of the Platform.
11. You warrant that:
    1. You will not use any electronic communication feature of the Platform for any purpose that is abusive, tortious, intrusive on another's privacy, harassing, libelous, defamatory, obscene, threatening. hateful, or otherwise unlawful: you will not post any materials that infringe on rights of third parties; and, you will not upload or transmit any virus or other malware.
12. THIS PLATFORM AND ALL SOFTWARE AND SYSTEMS USED OR PROVIDED AS PART OF THIS PLATFORM ARE PROVIDED "AS IS" AND "AS AVAILABLE"
    1. WE HEREBY SPECIFICALLY DISCLAIM ANY AND ALL REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE PLATFORM CONTENT, FUNCTIONALITY, OR MATERIALS PROVIDED BY US HEREUNDER, INCLUDING, WITHOUT LIMITATION OF THE FOREGOING, ANY WARRANTY REGARDING OWNERSHIP, ACCURACY, TIMELINESS, COMPLETENESS, AND AVAILABILITY, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

Truth in Savings

Except as specifically described, the following disclosures apply to all of the deposit accounts.

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Rate Information

The dividend rate and Annual Percentage Yield on your accounts as of the last Dividend Declaration Date are stated on your statement.
The total amount of dividends to be paid on an account is based on the dividend rate and the frequency of compounding for a 365-day period of the term of the account. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.

Nature of Dividends

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Dividend Compounding and Crediting

Dividends will be compounded and credited as stated in your Rate and Fee Schedule. The dividend period for each account is also stated in your Rate and Fee Schedule The dividend period begins on the first calendar day of each month and ends on the last calendar day of each month.

Accrual of Dividends

Dividends will begin to accrue on cash deposits and non-cash deposits (ex. checks} on the business day the Credit Union receives provisional credit. If you close your account before accrued dividends are credited, accrued dividends may not be paid on all accounts on the day the account is closed.

Balance Information

The minimum balance required to open each account is stated in our Rate and Fee Schedule Dividends and minimum balances are also calculated using the Average Daily Balance Method. The Average Daily Balance Method is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in that period.

The Following Disclosure applies to the Following Account: Money Market Account

Money Market Account: If your Average Daily Balance was $2,500.00 - $24,999.99, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was $25,000.00 - $74,999.99, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule If your average daily balance was $75,000.00 and over, the dividend rate and annual percentage yield on the entire balance is shown on your Rate and Fee Schedule. If your balance falls below $2,500.00, no dividends will be paid for that dividend period.

 
The Following Disclosures applies to the Following Account: Health Savings Account:

If your Average Daily Balance was $100.00 - $1,000.00, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was $1,000.01- $5,000.00, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was $5,000.01 - $10,000.00, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your average daily balance was greater than $10,000.00, the dividend rate and annual percentage yield paid on the entire balance is shown on your Rate and Fee Schedule. If your balance falls below $100.00, no dividends will be paid for that dividend period.

Account Limitations

Account limitations for each account are specified on your Rate end Fee Schedule. 

Nontransferable/Nonnegotiable

Your account is nontransferable and nonnegotiable The funds in your account may not be pledged to secure an obligation of owner, except obligations with the Credit Union. The rates and yields appearing in the Rate and Fee Schedule at the time you opened your account are accurate and effective for accounts as of the date indicated on the inside If you have any questions or require current rate information on your accounts, please call Community Credit Union at 207-783-2096.

 If you have a dispute with Community Credit Union regarding your deposit or share account:

You may contact us at 207-783-2096 and attempt to resolve the problem directly. If we fail to resolve the problem, communicate the problem and the resolution you are seeking to:

Maine Bureau of Financial Institutions
Consumer Outreach Program
36 State House Station
Augusta, ME 04333-0036

To file a complaint electronically, you may contact the Maine Bureau of Financial Institutions.

The Maine Bureau of Financial Institutions will acknowledge receipt of your complaint promptly and investigate your claim. You will be informed of the results of the investigation.

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Visa Debit / ATM Card Agreement

Electronic Funds Transfer And Cardholders Agreement

We are Community Credit Union at 144 Pine Street, Lewiston, Maine 04240, and our telephone number is 207-783-2096. You (if this is a joint account, singular pronouns shall include each of you) hereby agree to the rules and regulations affecting the issuance of the "CCU ATM or Visa® Debit Card" provided by us for your convenience.

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Personal Identification Number (PIN)

Will be your remote banking signature", and you are responsible for maintaining its confidentiality. The PIN should be memorized and not written, in order to prevent unauthorized use and so you may report its loss or theft accurately.

Authorized Use

Only you are qualified to deposit or withdraw funds to or from your account(s) with the use of the ATM or CCU Visa Debit Card at participating merchant or financial institution locations or remote facilities, and positive identification may be requested by the participating merchant or financial institution prior to any transaction. You agree that you will not use or allow anyone else to use your card or PIN for any transaction that is illegal under applicable federal, state or local law.

Business/Commercial Members Are Prohibited From Engaging In Unlawful Internet Gambling

Unlawful Internet Gambling Enforcement Act Notice - Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in illegal or unlawful Internet gambling.

Consumer Liability for Unauthorized Electronic Funds Transfers

Tell us AT ONCE if you believe your card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down.

If a Visa or Interlink transfer was made using your card or card number without your permission and was not caused by your gross negligence or fraud, you will have no liability for this unauthorized transfer. You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss of theft of your card, you can lose no more than $50 if someone used your card without your permission.

If you DO NOT tell us within 2 business days after you learn of the loss of theft of your card or PIN, and we can prove we could have stopped someone from using your card 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, including those made by card, code or other means, 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.

We are liable only for losses in excess of the limits stated.

Non-Visa PINLess Debit Card Transactions

We allow non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network (a non-Visa network) without using a PIN to authenticate your transactions. (Visa rules generally define a PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.) The non-Visa debit network for which such transactions are allowed is ACCEL®. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of a PIN. Please be advised that the terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

Notification Procedure

If you believe your card, PIN, or other information which could provide electronic access to your account has been LOST or STOLEN, or that someone has transferred or may transfer money from your account without permission, call us at 207-783-2096 or 800-472-3272 or write us at the address given at the beginning of this agreement, or visit one of our branch locations.

Business Days

Our business days are Monday through Friday 9:00 A.M. to 5:00 P.M., Drive up only 7:30 A.M. daily, excluding state and federal holidays.

Types of Transactions Available and Limits on Such Transactions

You may use your card to withdraw from or make deposits to your share or share draft account, and perform such other financial A transactions as we may from time to time permit during the business hours of any remote financial facility. You may also pay for purchases at places that have agreed to accept your card (called Point-of-Sale purchases). These Point-of-Sale purchases will be deducted from your share draft account.

Limitation on Frequency and Amount of Transaction

For the protection of our members, we have limited the amount of each withdrawal from an account to FIVE HUNDRED DOLLARS ($500.00) per day at a remote banking facility with your CCU ATM or Visa Debit Card. You may buy up to ONE THOUSAND FIVE HUNDRED DOLLARS ($1,500.00) worth of goods or services each day in our Point-of-Sale (POS) transfer service, however the Credit Union has the right to limit Point-of-Sale (POS) transfer service at their discretion.

Delays in Posting Transaction

Due to the nature of the "ATM" system, there will be delays between the time of any activity on your account(s) and the time it is reflected in our records of your account (s).

Charge for Originating Shares and Remote Banking Transactions

A transaction resulting in a withdrawal from your share draft account using the CCU ATM or Visa Debit Card or your PIN or other information which could provide electronic access to your account is considered the same as any other type of share draft in regard to our service charge formulas. The type of account determines if and when a fee will be assessed. All transaction fees will be deducted from your share draft account. Please contact the credit union for current charges.

Fees

Replacement card fee: $15.00 each; all SURF Alliance transactions, unlimited; all non-SURF transactions, $1.50 each: unlimited Point-of-Sale transactions; overdraft on account fee $29.00; draft retrieval fee $5.00; copy of statement fee $3.00. If you use an ATM or other electronic terminal that we do not own, you may be charged a fee by the terminal owner and any national, regional, or local network used in processing the transaction. Any such fee(s) will be debited from your account if you elect to complete the transaction.

Foreign Transactions

Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. A 1% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer. The converted transaction amount will be shown separately from the International Transaction Fee on your account statement. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements. Visa will charge 1% for international transactions that do not involve currency conversions. The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date. This rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Transaction Fee.

Visa assessed surcharge/access fee for ATM or manual cash disbursement transactions initiated outside of the U.S. region: Visa assesses a cash disbursement fee of 0.15% + US $0.50 on international ATM transactions where a surcharge fee has been assessed. The 0.15% applies to the amount of cash disbursed and not the surcharge/access fee. In other words, if $200 is disbursed and a $3.00 surcharge fee is applied, the 0.15% will be based on the $200.
Visa Cash Disbursement Transactions outside the U.S. region without an Access/Surcharge Fee Assessed: If a surcharge fee is not assessed on a qualified Visa and Plus ATM international and regional cash disbursement transaction, the ATM cash disbursement fee will be assessed based on the location of the acquirer as follows: Asian Pacific, 0.52% + US $0.65: Canada, US $1.25; Central/Eastern Europe, Middle East and Africa, 0.42% + US $0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US $0.65.
Conditions Under Which We Will Disclose Information to a Third Party

You agree that we may, and you hereby authorize us to, disclose information to third parties about your accounts) or the transfers you make (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant; (3) in order to comply with government agency or court orders; or (4) if we have your written permission.

Documentation of Transfer

You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or Visa debit Point-of-Sale (POS) terminal. You will also receive on a monthly basis a statement of your account activity.

Error Resolution

This Section Applies to Consumer Accounts: Telephone or write us AS SOON AS YOU CAN if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty
(60) days after we send you the FIRST statement on which the problem or error appeared. Provide the following information: (a) Your name and account number. (b) Describe the error or the transfer you are unsure about, and a clear explanation of why you believe it is an error, or why you need more information. (c) The dollar amount of the suspected error. If you tell us orally, we may require that you send your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (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. For new accounts, Point-of-Sale, or international transactions, we may take up to ninety 90) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (five (5) business days for Visa Debit Card purchases) for the amount you think is in error, so you will have the use of the money during the time it takes to complete our investigation. For new accounts, we may take up to twenty (20) days to credit your account for the amount you think is in error. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days after we finish our investigation if we decide that there was no error. We will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Overdrafts

If any withdrawal (s) create a negative balance in your account, you agree to repay to us the amount of the overdraft, including customary and usual overdraft charges in the same manner as any other overdraft on your account.

Cancellation

Your card and PIN remain our property and immediate surrender of either may be required by us at any time. We may cancel the card, PIN, and/or electronic fund transfer privileges at any time without notice or cause. Any cancellation or termination does not affect any of your existing liability to us.

Liability

If we do not complete a transfer 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:

• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would go over the credit limit on your overdraft line.
  If the automated teller machine where you are making the transfer does not have enough cash.
• If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
• If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
• If we have reason to believe that transactions involving your account may be unauthorized, fraudulent, illegal or otherwise improper.
• If you have not notified the Credit Union of travel.

We expressly disclaim all warranties that the components, including, but not limited to, cards and terminals, will function properly or be available for use.

Agreement Modification

This Agreement may be amended by us without prior notice to you when such a change is immediately necessary to maintain or restore the security of the system or a member's account; however, we will notify you in writing twenty-one (21) days prior to the effective date of any change in any term or condition of the Agreement or your account, if such change would result in an increase in fees, greater cost liability for you or decreased access to your account.

Joint Accounts

All parties to joint share or share draft account(s) agree to be jointly and severally bound by this Agreement. All cards must be returned to us prior to the addition or deletion of a name from any account subject to this Agreement. The PIN may provide access to accounts owned by the primary member. Joint owners may have access to all of the primary member's accounts at the credit union, including accounts owned singly by the primary member or jointly by the primary member and other persons.

ACH Funds Transfers

This Section Addresses Non-Consumer Accounts Only. You may desire to receive an electronic transfer of funds into your account. Such transfers may be transmitted through the Automated Clearing House ("ACH") System. Your rights and responsibilities will be governed by Maine law, including Article 4A of the Uniform Commercial Code. Credit given by your credit union with respect to these transfers is provisional until the credit union receives final settlement through a Federal Reserve Bank or otherwise has received payment. If your credit union does not receive payment for a transfer, then the credit union is entitled to a refund from you in the amount credited to you on a provisional basis, and the originator of the transfer will not be considered to have paid the amount of the entry to your account. Your credit union is not obligated by the ACH rules to provide you with notice any time that it has received a transfer and made an entry to your account unless the credit union has otherwise agreed to do so.

All terms of your Membership Agreement apply to this agreement and are incorporated herein.

*If signing up for Home Banking I accept and agree to abide by the terms and conditions of the Digital Banking Agreement and Disclosures as modified from time to time by the Credit Union.
**If signing up for eStatement I authorize Community Credit Union to discontinue sending me statements via postal mail service. I understand that my electronic statement informaton will be made available to me via the Internet through Digital Banking. I accept and agree to abide by the terms of the eStatement Agreement and Disclosures as modified from time to time by the Credit Union.
***If signing up for Electronic Bill Payer I authorize Community Credit Union to post EBP transactions to the account indicated on this enrollment form. If, at any time, I decide to discontinue the service, I will provide notification to Community Credit Union. My use of EBP signifies that I have read and accepted all of the terms and conditions of EBP service. I understand that payments take an average of 3-7 business days to reach the payee, and that payments may be made electronically or by mail. Community Credit Union is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to a lack of sufficient funds, Stop Payment fee, or other conditions that may prevent the withdrawal of the funds from my account. I agree that if the service is not used for 60 days or more, the Credit Union may charge me a monthly fee of $4.95.
****By using Mobile Banking, you agree to all the terms contained in the Digital Services Agreement. All terms and conditions applicable to Online Banking also apply to Mobile Banking. Depending on your wireless plan, you may be charged an access fee. Please check with your service provider for details on specific fees and charges.

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Hardware and Software Requirements

The following hardware and software minimum requirements are required for access to all of the digital banking services mentioned above.

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For PC and Macintosh

• Pentium II processor (PC) or PowerPC G3 processor (Mac)
• 64 MB of RAM
• Access Digital Banking uses a responsive web design automatically adjusting to different screen sizes and viewports.
• Standard keyboard and mouse
• Internet connection
• The latest versions of Chrome, Safari, and Microsoft Edge. Older versions of these browsers that are no longer supported by their developers are a security risk and may not be compatible with Access Digital.
• Adobe Acrobat Reader® 6.0.1 or higher

For Mobile Banking

• Compatible Android, iOS or Blackberry devices
• Android OS version 9.0 or higher, iOS version 15.5 or higher
• Internet access on the phone
• Web browser must support cookies

If the hardware or software requirements needed to access the digital banking services change, the Credit Union will update this agreement with revised hardware and software requirements. In the event of such change, you will have the right to withdraw consent to use the digital banking services without the imposition of any fees for the withdrawal of consent and without the imposition of any other conditions or consequences.

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Digital Banking Agreement & Disclosures

This Agreement governs the Digital Banking services provided by Community Credit Union. Please read it carefully. In this Agreement, the words “you,” “your” and “yours” refers to the member-owner(s) of a savings account who has requested access to our Digital Banking services in connection with that account or any sub-account. The words “we,” “us,” “our” and “Credit Union” mean Community Credit Union. The words “the service” refers to the Digital Banking service as defined below. To contact Community Credit Union at any me in reference to these disclosures, you may call us at 207.783.2096 or write to us at Community Credit Union, 144 Pine Street, Lewiston, ME 04240.

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Password

Your password will be your Digital Banking signature, and you are responsible for maintaining its confidentiality. Your password should be memorized and not written.

Joint Accounts

Joint account holders will each have their own individual login for our Digital Banking experience. You should not disclose your login information to anyone. If you do, the individual will have access to all accounts at the Credit Union owned by you, either individually or jointly. You may transfer funds to the account(s) of another Community Credit Union member; however, if you do so, you agree to provide a copy of this Agreement to each owner of the account(s).

Consumer Liability For Unauthorized Digital Banking Transactions

Tell us at ONCE if you believe your LOGIN INFORMATION has been LOST or STOLEN. To notify us, you can call us at the number shown at the beginning of this Agreement or write us at the address given at the beginning of this Agreement. You could lose all the money in your account plus your maximum overdraft line of credit, if applicable. If you tell us within two (2) business days, you can lose no more than FIFTY DOLLARS ($50.00) if someone used your login information without permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your login information and we can prove that we could have stopped someone from using your login information without your permission if you had told us, you could lose as much as FIVE HUNDRED DOLLARS ($500.00). Also, 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 back any money you lost 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 long trip or hospital stay) kept you from telling us, we will extend the time periods. We are liable only for losses in excess of the limits stated.

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