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The following terms and conditions govern the manner in which Ulster Federal Credit Union (we, us, our) will provide Quick Click Online Banking (services) to you:

UFCU's Quick Click Online Banking Services, available twenty-four (24) hours a day, seven (7) days a week Personal Assistance is available during the normal business hours of operation of Ulster Federal Credit Union Electronic Mail can be sent to: info@ulsfedcu.org Mail may also be addressed to: Ulster Federal Credit Union, P.O. Box 2310, Kingston, NY 12402

Services: You must have an active Ulster Federal Credit Union account currently in good standing. You authorize us to utilize Computer Marketing Corporation (CMC) to provide the Services on our behalf. We reserve the right to refuse to make any payment and/or transfer. Transfers between suffixes and other accounts will occur immediately and members should verify new balances as soon as possible. Users must be logged in to the account from which they plan to transfer funds. Users must have personal identification number (PIN) for both the FROM account and the TO account in order for transfers between accounts to take place. Limitations: Under no circumstances will we be liable if we are unable to complete any payments and/or transfers initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances:

The amount of the requested transaction exceeds $2,500.00 The amount of the requested overdraft loan advance is less than $50.00 The designated account does not contain sufficient funds to complete the payment and/or transfer You have closed the designated account We have identified you as a credit risk and have chosen to administratively block your access to UFCU's Quick Click. The Services, your equipment, the software, or any communications link is not working properly and you know or have been advised by us about the malfunction before you execute the transaction. Circumstances beyond our control (such as, but not limited to, fire, flood or interference from an outside source) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.

WE ARE NOT RESPONSIBLE FOR ANY OTHER LOSS, DAMAGE, OR INJURY, WHETHER CAUSED BY YOUR EQUIPMENT OR SOFTWARE, THE SERVICES, OR ANY TECHNICAL OR EDITORIAL ERRORS CONTAINED IN, OR OMISSIONS FROM, ANY USER GUIDE/BROCHURE RELATED TO THE SERVICES. WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE OR THE SERVICES, EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD.

 

STATEMENTS: All payments and/or transfers made via the Services will be listed on your monthly account statements (Statement) that you receive from us. NEW SERVICES: We may, from time to time, introduce new services or enhance the existing services. We shall notify you of the existence of these new or enhanced services. By using these services when they become available, you agree to be bound by the obligations concerning these services, which will be sent to you. CARE OF YOUR SECURITY CODE AND SECURITY: You agree that you will not give your services security code (Security Code) or make it available to any other person. If you believe that your Security Code has been lost or stolen, or that someone has made payments and/or transfers using your Security Code without your permission, notify us IMMEDIATELY by phone any time during normal business hours or send an electronic message through the service. YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS/PAYMENTS: If you believe that your Security Code has been lost or stolen, notify Ulster Federal Credit Union IMMEDIATELY as provided above in order to keep your possible losses down. If you notify us within two (2) business days after you learn of the loss or theft, your maximum liability is $50.00. If you DO NOT notify us within two (2) business days after you learn of the loss or theft of your Security Code, and we can prove that we could have prevented someone from using your Security Code if you had told us in time, your maximum liability is $500.00. If your Statement contains payments and/or transfers that you did not make, notify us IMMEDIATELY. If you do not notify us within sixty (60) days after the Statement was mailed to you, you may not get back any of the 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 hospital stay or a long trip) prevented you from telling us, we may, at our discretion, extend the time. ERRORS AND QUESTIONS: Contact us as soon as possible at either the address or telephone number described above if you think that a payment and/or transfer listed on your statement is in error or if you need more information about a payment and/or transfer listed on the Statement. We must hear from you no later than sixty (60) days after you received the first Statement on which the problem or error appeared. When you call or write us, you must:

Tell your name and User ID. Describe the payment and/or transfer you are unsure about (merchant name, account information, transaction date, transaction amount) and explain as clearly as you can why you believe it is an error or need more information. If possible, please provide us with the reference number for such transaction. Tell us the dollar amount of the suspected error. If you tell us orally, or by using the services? electronic mail, we may require that you send your complaint in writing within ten (10) business days. We will tell you the result of our investigation within ten (10) business days after we receive your complaint and will correct any services error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint or questions. If we decide to do this, we will re-credit your account within ten (10) business days after we hear from you, for the amount you think is in error in order that you may have the use of the money during the time it takes to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within ten (10) business days, we may not re-credit your account.

FEE SCHEDULE: You agree to pay us the fees to be published by us from time to time. (Our current fee schedule can always be accessed at http://www.ulsfedcu.org/fees.html). ADDITIONAL TERMS AND CONDITIONS:

In addition to the foregoing, you agree to be bound by and comply with applicable state and federal laws and regulations. We agree to be bound by them too. We reserve the right to terminate your use of the services, in whole or in part, at any time, without prior notice. You may terminate your use of the services at any time. Such termination requests must be in writing. You will be responsible for all payments and/or transfers you have requested prior to termination and for all other charges and fees incurred, if any. These Terms and Conditions and applicable services fees and charges may only be altered or amended by us. In such event, we shall send notice to you at your listed address or transmit notice of the alteration or amendment over the services. Your use of the services following receipt of such notice constitutes acceptance of such alterations or amendments. In the event of a dispute regarding the services, you and we agree to resolve this dispute by looking to these Terms and Conditions. These Terms and Conditions shall supersede any and all other representations made by you or our employees. These Terms and Conditions shall be governed by and construed in accordance with the law of the State of New York. Business days are Monday through Friday excluding normal banking holidays and published scheduled closings.