eStatement Services Agreement

This Agreement describes your rights and obligations as a user of the e-Statement Service "Service"). It also describes the rights and obligations of Financial Plus Credit Union. Please read this Agreement carefully. By pressing the I Accept button below, you elect and authorize us, at our discretion, to electronically deliver your account statement(s), which we are required to provide to you under applicable Federal and State statutes and their implementing regulations.

Other Federal and State statutes may be enacted or amended in the future to provide for electronic delivery of account statements. Your acceptance below also authorizes us, at our discretion, to provide electronic delivery of such statements pursuant to these statutes after they become effective. If there is more than one owner that is a party to the account, notice to any one account owner will be effective for all.

You further agree to comply with the supplemental terms and conditions set forth in this Agreement which are set forth below.

Definitions
The following definitions apply in this Agreement.

"E-Statement" is the Internet-based service in which Financial Plus Credit Union delivers periodic encrypted account statements to an e-mail address, which you specify under the terms set forth in this e-Statement Agreement; and "Password" is the code you create when enrolling for use in opening and de-encrypting your electronic statement. "We," "us," "Financial Plus Credit Union," or, simply, "Credit Union" refers to Financial Plus Credit Union, which offers the Service, and which holds the accounts for which statements are being provided through the Service.

Access to Services
You will gain access to your e-Statement through the use of your Internet-enabled device, your Internet Service Provider, your electronic mail Provider, and your Password.

Security Measures
We will use commercially reasonable measures, consistent with industry standards, to maintain a reasonable level of security over the information contained in the electronically delivered account statement(s). Our security consists of 128-bit encryption of the data contained in the electronic statement to protect it while in transit over the Internet. Once you receive and open an electronic statement, you decrypt it when you enter your unique Password until such time that you exit the e-Statement, at which time it is once again encrypted at the 128-bit level and Password protected.

You understand that these industry standards are dynamic and constantly developing. By accepting this agreement, you acknowledge and understand that there are risks to electronic delivery of account statement(s), including, but not limited to, delay or failure of delivery due to technical difficulties, weather conditions, matters beyond our reasonable control, or interruption and/or alteration of such account statement(s) by third parties in spite of the Credit Union's commercially reasonable security measures.

By accepting this agreement, you represent that you have considered our security measures, and find that our security measures are commercially reasonable. In reaching this conclusion, you have considered the historical and potential future content of your statement(s), the risks associated with electronic delivery of account statement(s), and our security procedures. If you conclude that our security procedures cease to be commercially reasonable in the future, you must terminate this agreement immediately in accordance with the procedure outlined below.

Required Computer Specifications
To receive electronic statements, your computer will need one of the following web browser applications:

Internet Explorer 7 or Above

Firefox 3.6 or Above

Google Chrome

We also recommend that you have the Adobe Acrobat Reader installed for additional functionality

E-mail Address
We will send your periodic account statement(s) to you via e-mail to the last known e-mail address provided by you. You agree to notify us promptly of any change of your e-mail address using the procedures set forth below. If you have not notified us in writing of any change to your e-mail address, you agree that your failure to provide us with a good e-mail address is the lack of ordinary care on your part, and we will not be responsible for any loss that occurs as a result of this failure. If we become aware that you are not receiving your e-Statement(s), we will send your e-Statement(s) to you via U.S. Mail to your last address known to us, provided, however, we will have no liability for our failure to do so except as otherwise provided for in any applicable Federal statute.

Use of your Security Password
You agree not to allow anyone to gain access to the Service or to let anyone know your Password used with the Service. You further agree that the Credit Union has no control as to the persons who have access to your personal computer and your Password. The Credit Union will not be liable for any unauthorized access to your personal computer using your Password. You agree that it is your responsibility to initiate and maintain the highest level of password security procedures to prevent any unauthorized access to your personal computer or unauthorized use of your Password.

Notice of Unauthorized Access
If you believe your electronic statement has been lost or stolen, or that someone has obtained access to your electronic statement without your permission, immediately call any Financial Plus Credit Union location between M-T-W-Th 9-5, F 9-5:30, S 9-12 (Central Time).

Changing Your Security Password / E-mail Address
If you would like to change your e-mail address or Password, you may do so by going to the settings section. First log in and then click on the SETTINGS button. You will then be able to change your e-mail address and/or password. If you still need assistance, you may contact Financial Plus Credit Union at: memservice@financialplus.org

Prompt Statement Review
You must promptly review your electronic statement and any accompanying items. If you allow someone other than you to review your statements, you must still review the statement for any errors, unauthorized signatures, lack of signatures, alterations, or other irregularities, because you will be responsible for the wrongful acts of your employees and agents. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the day it is sent to you by e-mail, regardless of when you receive and/or open the e-Statement.

If your statement shows any error, unauthorized signature, lack of signature, alteration or other irregularity, notify Financial Plus Credit Union immediately by calling any Financial Plus Credit Union location between M-T-W-Th 9-5, F 9-5:30, S 9-12 (Central Time), or writing Financial Plus Credit Union at:
Financial Plus Credit Union
800 Chestnut Street
Ottawa, IL 61350

If you do not notify Financial Plus Credit Union within thirty (30) days after the statement was sent to you, you may not recover any money lost after the thirty (30) days which would not have been lost if Financial Plus Credit Union had been notified in time. If a good reason as reasonably determined by Financial Plus Credit Union (such as a long trip or hospital stay) delayed you from contacting Financial Plus Credit Union, Financial Plus Credit Union, at its option, may extend these time periods.

Limit of Financial Plus Credit Union and Other Provider's Responsibility
Financial Plus Credit Union agrees to make reasonable efforts to ensure full performance of the e-Statement Service. We shall have no liability for failure to perform any e-Statement Service, or for any disruption or delay in performing e-Statement Service, in the event such failure, disruption, or delay is due to circumstances beyond our reasonable control, including, but not limited to, failure or disruption of electrical power, computer equipment, telecommunication systems, your Internet Service Provider, or weather conditions. We shall have no liability for any consequential, special, punitive damages or indirect loss under any circumstances.

Financial Plus Credit Union is not responsible for any computer virus or related problems, which may be attributable to the Service.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for receiving e-Statements. Financial Plus Credit Union will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

We make no warranties of any kind with respect to the software program used to access your electronic statement, and we do not warrant that the software program or the e-Statement Service will meet your specific requirements. We make no warranties of any kind, whether express or implied, with respect to the use and adequacy of the software program or the e-Statement Service We provide under this agreement. We disclaim any and all implied warranties, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.

Under no circumstances will Financial Plus Credit Union be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

Electronic Mail
If you send Financial Plus Credit Union an electronic mail message, Financial Plus Credit Union will be deemed to have received it on the following business day. FinancialPlus Credit Union will have a reasonable time to act on your e-mail.

You should not rely on electronic mail if you need to communicate with Financial Plus Credit Union immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that Financial Plus Credit Union may respond to you by electronic mail with regard to any matter related to the Service. Any such electronic mail sent to you by Financial Plus Credit Union shall be considered received within three (3) days of the date sent by Financial Plus Credit Union, regardless of whether or not you sign on to your specified e-mail account within that time frame.

Other agreements
In addition to this Agreement, you and Financial Plus Credit Union agree to be bound by and comply with the requirements of the agreements applicable to each of the accounts for which you elect to receive electronic statements. Your use of the e-Statement Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Financial Plus Credit Union.

Modifications to this Agreement
Financial Plus Credit Union may modify the terms and conditions applicable to the Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

Inactivity / Termination
To cancel the e-Statement Service, you must notify Financial Plus Credit Union and provide your name, address, and the effective date to stop the Service. You may notify Financial Plus Credit Union by one of the following methods:

(1) By initiating a customer inquiry through our Web site

(2) By calling any Financial Plus Credit Union location between M-T-W-Th 9-5, F 9-5:30, S 9-12 (Central Time).

(3) By writing a letter and either sending it to the following address or giving it to a Credit Union Representative at any location:

Financial Plus Credit Union
800 Chestnut Street
Ottawa, IL 61350

Governing Law
This Agreement is governed by the laws of the State of Illinois and applicable Federal law.

Fee Schedule
Financial Plus Credit Union offers the benefits and convenience of the e-Statement Service to you free of charge.

Last Revised: 6/15/04