GNO ONLINE HOME BANKING DISCLOSURES AND AGREEMENT TERMS AND CONDITIONS: - Greater New Orleans FCU - Your Trusted Credit Union for Personalized Banking

GNO ONLINE HOME BANKING DISCLOSURES AND AGREEMENT

TERMS AND CONDITIONS:

This Electronic Funds Transfer Agreement is the contract which governs your and our rights
and responsibilities concerning the online banking services offered to you by Greater New
Orleans Federal Credit Union. In this agreement, the words “you” and “yours” mean those who
sign the application or account cards as applicants, joint owners, or any authorized users. The
words “we”, “us”, and “our” mean Greater New Orleans Federal Credit Union. The word
“account” means any one or more share and share draft accounts you have with us.
Electronic funds transfers are electronically initiated transfers of money from your account
through the electronic method(s) described below. By signing an application or account card for
online banking services or by using the service, each of you, jointly and severally, agree to the
terms and conditions in this agreement and any amendments hereto. We may terminate
access to electronic fund transfers or cancel your access devices, if any, at any time. Upon
such termination, we shall give you notice of termination. Access to electronic fund transfers
may be terminated by you by giving a written notice to us. Termination of the access shall not
affect the liability you incurred prior to termination. You must keep your share Account and
checking Account open in order for your access to electronic fund transfers to remain valid.
You agree to pay the current charges shown on the Fee Schedule and any future charges that
may be approved by our Board of Directors for the use of electronic fund transfers. You
authorize us to take any such fees from any Account in which you have an ownership interest
or the right to withdraw.

WARRANTIES:

Computer hardware and software are required to access online banking services. Minimum
system requirements include:

• A personal computer with internet capability,
• An Internet Service Provider
• A Web browser (IE 9, Firefox 15, Chrome 22, Safari 5 or higher)

We believe that the various means of access to electronic fund transfers will prove to be
reliable. However, certain means may not operate properly at all times. We, therefore, may not
promise that our systems will always be available for your use.

RIGHTS AND RESPONSIBILITIES:

You promise not to attempt to make a transfer when a system tells you or other circumstances
give you a reason to believe that the system is unavailable or is not operating properly due to a
technical malfunction or is otherwise unable to make the transfer you desire. You agree that
each transaction completed during normal Credit Union business hours will be posted
immediately to your Account; transactions received after normal Credit Union business hours
will be posted immediately with a date of the next business day. You further agree that credit to
Accounts will be conditional until we can collect the Item. If we cannot collect the amount of an
item, that amount will be deducted from your Account. You agree that the electronic fund
transfer system shall be used only for the type of transfers and to have access only to the
Accounts that we in advance have approved. If through some error the online banking system
permits you to withdraw funds from an Account that you should not be allowed to use, we may
charge the amount involved to an Account that you can use.

We will assign an initial Password for your access to online banking services. You must change
your Password the first time you access the online banking service and set up security
questions to safeguard your account as well as agree to the terms and conditions. You are
responsible for any transactions done on any account of yours if done by you or by anyone
else that you have given access to your account.

We may revoke your online banking access if unauthorized account access and/or transactions
occur as the apparent result of your negligence in safeguarding your Credit Union online
banking account number and/or PIN. You are responsible for safeguarding your Credit Union
online banking information and by not doing so you may be held responsible for transactions
done by others.

Further, you agree that if you cause the Credit Union a loss of any nature, the Credit Union
may revoke or refuse to grant you internet home banking access to your account.

For security reasons, the Credit Union reserves the right to inactivate any home banking
account with no activity for an extensive period of time. A fee may be charged to re-instate
your access.

Except as changed by this Agreement, electronic fund transfers made by use of the online
banking service are subject to the rules and agreements contained in your Account agreement,
signature card and other Account rules and regulations for your Accounts and this Agreement
is made part of those rules and regulations.

Alterations and Amendments: The terms of this Agreement, applicable fees and service charges
may be altered or amended by the Service from time to time. In such event, the Service shall
send notice to you at your address of record or by secure electronic message via the Credit
Union Internet Home Banking service. Any use of the services after the service sends you a
notice of change will constitute your agreement to such change(s). Further, the Credit Union,
may, from time to time, revise or update the programs, services, and/or related material, which
may render all such prior versions obsolete. Consequently, the Service reserves the right to
terminate this Agreement as to all such prior versions of the Internet Bill Pay programs,
services, and/or related material and limit access to the Service’s more recent revisions and
updates.

GOVERNING LAW:

In addition to the terms and conditions listed above, you agree that the accompanying
Electronic Fund Transfers Disclosure Statement shall cover ALL electronic fund transfers made
by you via home banking AND smshb. This Agreement and all transactions under this
Agreement will be governed by Louisiana law and applicable Federal law.

ELECTRONIC FUND TRANSFERS

TERMS AND CONDITIONS:

If we approve the online banking service for your accounts, a PIN will be assigned to you. You
must use your PIN along with your account number and the security questions you set up to
access your accounts. Currently, you may use the online banking service to:

• Transfer funds between your savings, checking, consumer and loan, credit card
and club accounts;
• Obtain balance information for your savings, checking, consumer loan, mortgage
loan, credit card, club, Certificate of Deposit, and IRA accounts;
• Make consumer loan and credit card payments to us from your savings, checking
and/or club accounts;

WARRANTIES:

Your account can be accessed under the online banking service via a personal computer.
Online banking service will generally be available for your convenience twenty-four (24) hours
per day. This service may be interrupted for periods of time for data processing. We reserve
the right to refuse any transaction which would draw upon insufficient funds, exceed a credit
limit, lower an account below a required balance, or otherwise require us to increase our
required reserve on the account.

Access to online banking will be restricted if your account is dormant. To retain the ability to
initiate online banking, your account must not be dormant, or must have had at least one
transaction during a 12 month period. Members with dormant accounts must request access
to online banking through the Credit Union prior to initiating service.

LIMITATIONS:

All checks are payable to you as primary member and will be mailed to your address of record.
We may set other limits on the amount of any transaction, and you will be notified of those
limits. We may refuse to honor any transaction for which you do not have sufficient available
verified funds. The service will discontinue if no transaction is entered after numerous
unsuccessful attempts to enter a transaction, and there may be limits on the duration of each
access.

Limitation on Dollar Amount of Transfers: For security reasons, there are limits on the dollar
amount of transfers you can make using our systems.

Limitation on Frequency of Transfers: For security and compliance reasons, there are limits on
the number of transfers you can make using our systems. Transfers made above this limit are
subject to the fees listed in the Fee Schedule.

Our business days are Monday through Saturday. Holidays are not included. Of course, the
online banking service is available at times other than the business days of our Credit Union.

RIGHTS AND RESPONSIBILITIES:

Summary of Your Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your
internet banking information has been stolen. Telephoning is the best way of keeping your
possible losses down. You could lose all the money in your Accounts. If a transaction was
made using the online banking service without your permission, your liability for an
unauthorized transaction is determined as follows:

• If you tell us within two (2) business days, you can lose no more than $50 if
someone made a transaction without your permission.
• If you do not tell us within two (2) business days after you learn of the loss or
theft of your Password, and we can prove we could have stopped someone from
using your Password without your permission if you had told us, you can lose as
much as $500.00.
• Also, if your Statement shows transfers that you did not make, 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. If you believe your Password has been lost or stolen
or that someone has transferred or may transfer money from your Account
without your permission, call (800) 468-5041, (504) 454-8224 or write to us at
GREATER NEW ORLEANS FEDERAL CREDIT UNION, P.O. Box 6708,
Metairie, LA 70009-6708.

A list of the fees and charges which are applicable to your electronic fund transfers is stated in
our most recent Fee Schedule. In addition, each Account affected by the transaction use will be
subject to the regular service charge imposed for that specified Account as set forth in the Fee
Schedule.

You can get a receipt at the time you make any transfer to or from your Account using the
online banking service. If you have arranged to have direct deposits made to your Account at
least once every sixty days from the same person or company, you can call us at (800) 468-
5041, OR (504) 454-8224 to find out whether or not the deposit has been made. You will get a
monthly Statement (unless there are no transfers in a particular month). In any case you will
get a Statement at least quarterly.

If you have told us in advance to make regular payments out of your Account, you can stop
these payments. Here is how: Call the originating institution first to inform them of your
intention. Then call us at (800) 468-5041 OR (504) 454-8224 or write us at P.O. Box 6708,
Metairie, LA 70009-6708 in time for us to receive your request. We must receive the request
(3) days or more before the payment is scheduled to be made. If you call, we may also require
that you put your request in writing and get it to us within 14 days after you call. We will charge
you a stop payment fee for each stop payment order you give as set forth in the most recent
Fee Schedule. If you order us to stop one of these payments 3 business days or more before
the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
You will NOT able to make a stop payment of a one time payment made through the online
banking service or one time payments that have been authorized.

Summary of Our Liability for Failure to Make Transfers: If we do not complete a transfer to or
from your Account on time or in correct amount according to our agreement with you, we will
be liable for your losses for damages as required by Federal law. However, there are some
exceptions. We will not be liable for, 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 a loan;
• If your computer 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 the funds in your Account are subject to a court order or other restriction
preventing the transfer; and
• There may be other exceptions stated in our agreement with you.

Disclosure to 3rd Parties: We will disclose information to third parties about your Account or
transfers you made:

• When it is necessary to complete the transfers;
• In order to verify the existence and conditions of your Account for a third party
such as a credit bureau or merchant;
• In order to comply with a government agency or court orders; or
• If you give us written permission.

Summary of Error Resolution: In case of errors and questions about your electronic transfers
or payments, as soon as you can, you should:

1. Telephone us: (504) 454-8224
2. Write us: GNO Federal Credit Union
3105 Lime St Metairie
Metairie, LA 70006

If you think that your statement is wrong or you need more information about a bill payment
listed on the statement, we must hear from you no later than (60) days after you received the
FIRST statement on which the problem or error appeared. You must:

1. Tell us you name and account number.
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can
why you believe it is an error or why you need more information, and
3. Tell us the dollar amount of the suspected error.

If you tell us orally, in person or by telephone, we may require that you send us your complaint
or question in writing within ten (10) Business Days after providing verbal notification.

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 45 days to investigate the complaint or question. If we decide to do this, we will re-credit your
account within ten (10)* Business Days for the amount you think is in error, so that you may
have the use of the money during the time it takes us to complete our investigation. If we ask
you to put your complaint or question in writing and we do not receive it within ten (10)
Business Days, we may not re-credit your account.

If we determine there was no error, we will send you a written explanation within three (3)
Business Days after we finish the investigation. We may revoke any provisional credit provided
to you if we find that an error did not occur. You may ask for copies of documents which we
used in our investigation.

*If you give notice of an error within 30 days after you make the first deposit to your account,
we will have 20 business days instead of 10 business days.

Merchant Authorization to Debit Your Account(s): You may authorize a third party such as a
merchant to electronically debit your account(s). You may do so at the point of purchase, using
the internet, or by telephone. With each of these types of transfers the third party will use the
account number you give to them to electronically debit your account(s) through the ACH
network. These transactions are electronic fund transfers that are subject to this Electronic
Fund Transfers Agreement and Disclosure.

GOVERNING LAW:

This Agreement and all transactions under this Agreement will be governed by Louisiana law
and applicable Federal law.

SMSHB (Short Message Service Home Banking)

TERMS AND CONDITIONS:

GNOFCU’s home banking service enables you to access your account(s) through an SMS textenabled
cell phone.

The use of this service constitutes your agreement to these terms and conditions. There is no
charge for this service, but you are responsible for all charges and fees associated with the text
messaging imposed by your wireless carrier. You may request and receive text messages
concerning your accounts on any text-enabled cell phone. It is your responsibility to determine if
your cell phone service provider supports text messaging and your telephone is capable of
receiving text messages.

By activating one or more cell phones for this service, you agree to the following terms and
conditions:

You will provide a valid mobile number and you agree that we may send you text messages
through your wireless provider via this number.

The SMSHB (SMS Home Banking) service allows you to request and receive electronic text
messages about your accounts and/or request certain pre-authorized transfers on your
account(s) at the Credit Union.

We send text messages to you based upon the instructions you provide at the time of the
request you send. You acknowledge and accept that each message is sent to you without being
encrypted and will include certain information requested on your Credit Union account(s).

You understand that balances provided may not include recent or pending transaction that have
not yet posted to your account and that other restrictions may apply.

You will notify us immediately of any changes to your registered device. Changes can be made
by calling our member services department at 504-454-8224 or by logging in to home banking
from either your mobile device or a personal computer. Once you activate your cell phone for
this service, YOU are responsible for keeping any personal information in your cell phone
secure. For your protection, you agree to:

1. Login to home banking and cancel your SMSHB service if you cancel your service with
your cell phone provider.
2. Login to home banking and cancel your SMSHB service if your cell phone is lost or
stolen.
3. Login to home banking and cancel or edit your SMSHB service if you change your cell
phone provider or change your cell phone number.
4. Erase your ‘Sent Messages’ and ‘Inbox’ that may contain your SMSHB PIN number or
other information.

WARRANTIES:

The Credit Union provides this service as a convenience to you. We do not use text messaging
for any purpose not included in this system and will not respond to text messages sent to us that
do not comply with appropriate action codes. You understand that GNOFCU does not make
any warranties on equipment, hardware, software or internet provider service or any part of
them, expressed or implied. GNOFCU is not responsible for any loss, injury or damages
whether direct, indirect, special or consequential, caused by the internet provider, any related
software, or GNOFCU’s use of any of them arising in any way from the installation , use, or
maintenance of your personal computer hardware, mobile device, software, or other
equipment.

RIGHTS AND RESPONSIBILITIES:

You acknowledge, agree and understand that your receipt of any SMSHB messages may be
delayed or prevented by factor(s) affecting your cell phone service provider and/or other factors
outside our control.

The Credit Union does not guarantee the delivery or the accuracy of the contents of any
message. You agree to not hold the Credit Union, including its agents, employees, or
volunteers, liable for any losses, damages or costs that may arise in whole or in part, from:

• a non-delivery, delayed delivery, or the misdirected delivery of any message;
• inaccurate or incomplete content in any message; or
• your reliance on or use of the information provided in any SMSHB service
message for any purpose.

You understand and agree to indemnify and hold harmless GNOFCU, its affiliates, officers,
directors, employees, consultants, agents, service providers and licensors from any and all third
party claims, actions, damages, liabilities, costs and expenses including reasonable attorney’s
fees and expenses arising from your use of the text banking service and/or breach of this
Disclosure and Agreement. You understand and agree that this paragraph shall survive the
termination of this Agreement.

The Credit Union reserves the right to terminate this service or begin charging a fee for such
service at any time without prior notice to you. All provisions of any agreements or disclosures
previously made pertaining to your Credit Union accounts remain in effect and are not
superseded or amended by this agreement.

GOVERNING LAW:

You understand and agree that this Disclosure and Agreement and all questions relating to its
validity, interpretation, performance and enforcement shall be governed by and constructed in
accordance with the laws of the State of Louisiana, notwithstanding any conflict of laws
doctrines of such state or other jurisdiction to the contrary. You also agree to submit to the
personal jurisdiction of the courts of the state of Louisiana.

MULTI ACCOUNT ACCESS:

TERMS AND CONDITIONS:

This portion of the Disclosure and Agreement covers your and our rights and responsibilities
concerning GNOFCU’s online Home Banking multi-account access feature (MAA) offered to you.
The feature permits you to electronically authorize others you designate to perform home
banking transactions on your account (s) with GNOFCU.

In this part of the Agreement, the words, “you” and “your” and “yours” mean those who request
and use the multi-account view feature under this Agreement. The words, “Credit Union”, “we”,
“us”, and “our” mean GNOFCU. The word, “account” means any one or more accounts you
have with the Credit Union. By accepting the terms and conditions of this Disclosure and
Agreement and by using the multi account acess feature, you jointly and severally agree to the
terms and conditions in this Disclosure and Agreement and any amendments.

WARRANTIES:

GNOFCU cannot guarantee availability of the multi account access feature. Further, the Credit
Union reserves the right to suspend the use of the multi account access feature on your account
if:
• Incorrect User Names and/or passwords are used to try to access the feature; or
• The Credit Union suspects fraud or misuse by you or your authorized user; or
• The Credit Union suspects that an unauthorized person is attempting to access
the feature; or
• In the Credit Union’s opinion, there is reasonable justification for doing so.

RIGHTS AND RESPONSIBILITIES:

This multi account access authorization feature allows you to permit other GNOFCU account
owners to access the account(s) you authorize via home and/or mobile banking.
By authorizing other members to access your account, YOU ARE AGREEING that they will
have UNLIMITED access to:

• View ALL of your personal and financial information relating to the account(s)
through home banking.
• Access to ANY account(s) held by GNOFCU in your name associated with the
account you authorize access through
• Perform ANY transaction through on-line and/or mobile banking that you could
perform, including transfers and paying bills

Please read the information below carefully:

• This access is limited to online and mobile banking only and will not apply to
other transaction channels, such as in-person transactions at a branch or
transactions conducted over the phone unless those you authorize are joint on
the product within the account that access is being requested.
• If you would like to access another member’s account, that member must set up
access using this feature from their own account.
• This authorization DOES NOT limit your liability as the account holder.

Your use of this feature confirms that you have satisfied yourself as to the standing and
trustworthiness of the authorized viewer.

The Credit Union is not responsible for the security of any of your data which is downloaded by
the authorized user onto any hardware or software he or she may be using. You agree that the
authorized user will not allow anyone else to access your account using the multi account
access feature on his or her behalf. If you or any authorized user suspects that someone knows
or has discovered or otherwise obtained access to your or the authorized user’s User Name or
Password, you MUST notify us immediately at 504-454-8224 so that the Credit Union can act
on such notice within a reasonable time.

You may remove the authorization to a user who you previously granted access to at any time
by signing into your online banking account and simply selecting the user you wish to remove.
You understand and agree to indemnify and hold harmless GNOFCU, its affiliates, officers,
directors, employees, consultants, agents, service providers and licensors from any and all third
party claims, actions, damages, liabilities, costs and expenses including reasonable attorney’s
fees and expenses arising from ANY use of the multi account access feature, and you agree
that we shall not be liable to you for any loss or damage which you may suffer as a result of a
third party user using the multi account access feature, except where such loss or damage was
caused by the gross negligence or willful misconduct of the Credit Union. You agree to accept
full responsibility for all losses due to fraud.

GOVERNING LAW:

BILL PAY

TERMS AND CONDITIONS:

Note: All references within this document to the terms “Payment Service” and/or “the Service”
reflect the Internet Bill Pay Service offered by Greater New Orleans Federal Credit Union.

I acknowledge electronic receipt of the Terms and Conditions Agreement (“Agreement”)
associated with The Credit Union’s Internet Bill Pay Service and agree that I have read and will
abide by this agreement. I also agree The Credit Union does not need to provide me with an
additional paper (non-electronic) copy of this Agreement unless specifically requested. Further, I
understand that a copy of this Agreement can be printed by using my browser’s print command
and a printer.

The Credit Union reserves the right to refuse enrollment in the Internet Bill Pay Service to any
member who does not meet the Internet Bill Pay Service criteria which has been established by
the Credit Union. Included in this criteria is a requirement that subscribers to this service must
live within the United States, its possessions and territories.

Internet Bill Pay Service – As used in this Agreement, the term “Payee” means the vendor, biller,
person or entity to whom you wish a bill payment to be directed; “Payment Instructions” means
the information provided by you to the Service for a bill payment to be made to your Payee (e.g.,
Payee name, account number, payment amount, payment date, etc.); “Payment Account”
means your Checking Account and, in the instance of non-sufficient funds and/or an overdrawn
account, any applicable share account or available balance on line of credit accounts (e.g., line
of credit overdraft accounts) at The Credit Union, from which all bill payments may be made
and/or such funds collected; “Business Day” means Monday through Friday, excluding Federal
holidays; “Payment Date” means the Business Day of your choice upon which your bill payment
will be made and your Payment Account will be debited; and “Cutoff Time” means 1:00 PM
(Central Standard Time on any Business Day) and is the time by which you must transmit
instructions to have them considered entered on that particular Business Day.

RIGHTS AND RESPONSIBILITIES:

By providing the Payment Service with the names and account information of those entities
and/or persons to whom you wish to direct payment, you authorize the Service to follow the
Payment Instructions that it receives from you or your authorized user through the Internet Bill
Pay Service. When the Service receives a payment instruction, you authorize it to debit your
Payment Account and remit funds on your behalf so that the funds arrive as close to the
Business Day designated by you as soon as reasonably possible.

For this reason, it is necessary that all Payment Dates selected by you be five (5) Business
Days before the actual due date for payments that are being sent by check and three (3)
Business days for ACH payments, (not the late date and/or a date in the grace period). It is your
responsibility to schedule your bill payments in such a manner that your obligations will be paid
on time. Payment instructions entered after the Cutoff Time or on a non-Business Day will be
considered entered in the Service on the next Business Day. If you properly follow the
procedures described herein, and the Service fails to send a payment according to the Payment
Instructions received, the Service will bear responsibility for all late charges. In any other event,
including but not limited to choosing a Payment Date which is not five (5) Business Days before
the due date or on or past the due date stated on your invoice or bill, the risk of incurring and
the responsibility for paying any and all late charges or penalties shall be borne by you.

A bill payment is “In Process” starting at the Cutoff Time on the Payment Date. A bill payment is
a “Pending Payment”, starting from the time you enter Payment Instructions until the payment is
“In Process.” A bill payment is considered “Completed” on the Business Day you selected as
the scheduled Payment Date. You may cancel or edit any Pending Payment (including recurring
bill payments) by logging in to Home Banking and cancelling the payment. There is no charge
for cancelling or editing a Pending Payment. Please note: we may not have a reasonable
opportunity to act on any stop payment or cancellation order given after a payment is “In
Process” and it is not possible to stop or cancel a payment which is “Completed. If you desire to
cancel or stop any payment which is “In Process”, you must send the stop payment request to
us via electronic mail. By sending the stop payment request in any other manner, it will not
reach us in time for us to act on your request. Stop payment requests will be accepted only if
we have a reasonable opportunity to act on such a stop payment order. Although we will make
every effort to accommodate your request, we will have no liability for failing to do so. If you call,
we may also require you to present your request in writing within fourteen (14) days after you
call. The charge for each stop payment order will be the then current charge for such service as
disclosed in our Fee Schedule. The Service will use its best efforts to make all your payments
properly. However, the Service shall incur no liability if it is unable to complete any payments
initiated by you through the Service because of the existence of any one or more of the
following circumstances:

• If, through no fault of ours, your Payment Account does not contain sufficient
funds to complete the payment or transfer, or the transfer would exceed overdraft
coverage, if applicable (Note: The Credit Union may, at its option, pay a
scheduled bill payment which exceeds the balance in the checking account by
transferring the amount of the resulting overdraft from other savings accounts or
draw your account negative using overdraft coverage, indicated on the
Membership Application and Agreement , any subsequent Account Change
Card, or NSF overdraft Coverage Policy. )

• The bill payment processing center is not working properly and you know or have
been advised by the Service about the malfunction before you execute the
transaction;

• The Payee mishandles or delays a payment sent by the Service;

• You have not provided the Service with the correct names, phone numbers, or
account information for those persons or entities to whom you wish to direct
payment;

• Circumstances beyond the Service’s control (such as, but not limited to, fire,
flood, or interference from an outside force) that prevent the proper execution of
the transaction and the Service has taken reasonable precautions to avoid those
circumstances.

Provided none of the foregoing exceptions to the Service’s performance obligations are
applicable, if the Service causes an incorrect amount of funds to be removed from your
Payment account or causes funds from your Payment Account to be directed to a person or
entity which does not comply with your Payment Instructions, the Service shall be responsible
for returning the improperly transferred funds to your Payment Account and for directing to the
proper recipient any previously misdirected payments or transfers.

Payment will be made to your Payee either electronically via the Automated Clearing House
(ACH) or by check. The method of payment depends upon the processing method that can be
accommodated by the Payee

The payment may be deducted from your Payment Account via an electronic debit through the
Automated Clearing House Association (ACH). All bill payments debited from your account will
appear on your monthly Statement of Account and will also appear on Home Banking as ACH
debits will reflect the name of the Payee (e.g., XYZ Utility Company) as well as the date and
amount; payments by check will be reflected on your statement with a date, payee and address,
and amount. All payments can be viewed with the Payee’s name, payment amount and
payment date by reviewing your recent payment history under the ePay option provided to you
as part of the Internet Bill Pay Service.

Prohibited Payments: The following payment types are prohibited through the Service:

• Tax Payments
• Court Ordered Payments
• Payments to Payees outside of the United States or its possessions/territories

THE FOREGOING SHALL CONSTITUTE THE SERVICE’S ENTIRE LIABILITY AND YOUR
EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT,
INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES,
INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING
IN ANY WAY OUT OF THE INSTALLTION, USE, OR MAINTENANCE OF THE EQUIPMENT,
SOFTWARE, AND OR THE SERVICE.

LIMITATIONS AND EXCLUSIONS OF WARRANTIES: THE SERVICE AND RELATED
DOCUMENTATION ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND,
EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

PIN/Password and Security: To access the Internet Bill Pay service you will need to log on to
the Credit Union Internet Home Banking service and then click on ePay.

You agree not to give or make available your Credit Union Internet Banking Account Number
and PIN to any unauthorized individuals. You are responsible for all bill payments you, and your
Internet Bill Pay authorized user, authorize using the Service. If you permit other persons to use
the Service or your Credit Union Account Number and PIN (even though you have agreed not to
disclose this information); you are responsible for all transactions they authorize. If you believe
that you’re Credit Union Account Number and PIN has been lost, stolen or compromised, or that
someone may attempt to use the Service without your consent or has transferred money from
your account by accessing your account without your permission, you must notify The Credit
Union at once by calling us during business hours.

You also agree that The Credit Union may revoke your Internet Bill Pay and/or Internet Home
Banking account access services if unauthorized account access and/or transactions occur as
the apparent result of negligence in the safeguarding of the Account Number and PIN(s)
belonging to you and/or your authorized user. Further, you agree that, if you cause the Credit
Union a loss of any nature, the Credit Union may revoke or refuse to grant you Internet Bill Pay
service and/or Internet Home Banking account access to your account.

Your Liability for Unauthorized Transfers – If you tell the Credit Union within two (2) Business
Days after you learn of unauthorized access to your account(s) and/or that your Credit Union
Internet Home Banking Account Number and PIN has been lost, stolen or compromised, you
can lose no more than $50.00. If you fail to notify the Credit Union within (2) Business Days
after you learn of unauthorized access to your account(s) and/or that your Credit Union Internet
Home Banking Account Number and PIN has been lost, stolen or compromised, and we can
prove that we could have prevented the unauthorized access to your account(s), or use of your
Credit Union Internet Home Banking Account Number and PIN had you notified us, you could
lose as much as $500.00. If your monthly statement or your online account detail reflect any
transfers or payments that you did not make, tell us at once. If you do not tell us within sixty (60)
days after the first statement which reflected an unauthorized transfer(s) or payment(s) was
mailed to you, you may not get back any money you lost after the 60 days, provided that we can
prove that we could have stopped someone from taking money if you had told us in time.

Summary of Error Resolution: In case of errors and questions about your electronic transfers or
payments, as soon as you can, you should:

1. Telephone us: (504) 454-8224
2. Write us:
GNO Federal Credit Union
3105 Lime Street
Metairie, LA 70006

If you tell us orally, in person or by telephone, we may require that you send us your complaint
or question in writing within ten (10) Business Days after providing verbal notification.

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 45
days to investigate the complaint or question. If we decide to do this, we will re-credit your
account within ten (10)* Business Days for the amount you think is in error, so that you may
have the use of the money during the time it takes us to complete our investigation. If we ask
you to put your complaint or question in writing and we do not receive it within ten (10) Business
Days, we may not re-credit your account.

*If you give notice of an error within 30 days after you make the first deposit to your account, we
will have 20 business days instead of 10 business days.

Disclosure to Third Parties -It is our general policy to treat your account information as
confidential. However, we will disclose information to third parties about your account or the
transfers you make ONLY in the following situations:

• If we return transfers or payments made from your account which are drawn on
insufficient funds or if we are unable to complete an electronic transfer or
payment because of insufficient funds, or
• Where it is necessary for completing transfers, or
• In order to verify the existence and condition of your account to a third party,
such as a credit bureau or merchant, or
• To a consumer reporting agency for quality assurance, or
• In order to comply with a governmental agency or court orders, or
• If you give us your written permission.

Charges and Fees: There are no fees to be a participant in the Internet Bill Pay Service.

Please note: Your Credit Union loan accounts may not be paid by using the Internet Bill Pay
Service, but instead may be paid by using the transfer/payment option on the Credit Union
Internet Home Banking service or by automatic transfer from your Credit Union Checking
account. Additionally, charges for other transactions and optional services such as NonSufficient
Funds, NSF Overdraft Coverage, or Stop Payment Fees are specified in Fee Schedule and may be applicable if incurred.

You agree to pay such fees and charges, and authorize the Service to charge your designated
Payment Account for these amounts and any additional charges that may be incurred by you.
Any fees associated with your savings or loan accounts will continue to apply.

You are responsible for any and all telephone access fees or Internet service fees that may be
assessed by your telephone utility and/or Internet Service Provider.

In the Event a Transaction Is Returned and/or Overdraws Your Payment Account – In using the
Service, you are requesting the system to make payments for you from your Payment Account.

If we are unable to complete the transaction for any reason associated with your Payment
Account (for example, there are not sufficient funds in your Payment Account to cover the
transaction), the transaction may not be completed. In these cases, you agree that a nonsufficient
funds (NSF) fee will be charged in accordance with the Credit Union’s established and
published fees. Further, you also agree that a NSF fee may be charged to your account even if
the payment is not returned but is paid and overdraws your Payment Account.

By enrolling for and using this Internet Bill Pay service you agree that The Credit Union has the
right to transfer funds from your available balance on your line of credit account as well as from
all of your share accounts to recover funds for all payments that have been requested to be paid
by you and your authorized user. The Credit Union also has the right to return the payment and
charge the applicable NSF fee to your account.

Alterations and Amendments: The terms of this Agreement, applicable fees and service charges
may be altered or amended by the Service from time to time. In such event, the Service shall
send notice to you at your address of record or by secure electronic message via the Credit
Union Internet Home Banking service. Any use of the services after the service sends you a
notice of change will constitute your agreement to such change(s). Further, the Service, may,
from time to time, revise or update the programs, services, and/or related material, which may
render all such prior versions obsolete. Consequently, the Credit Union reserves the right to
terminate this Agreement as to all such prior versions of the Internet Bill Pay programs,
services, and/or related material and limit access to the Service’s more recent revisions and
updates.

Address Changes: You agree to promptly notify both The Credit Union member/customer
service in writing of any address change. Changing your address on the Service does not
automatically update your address of record at The Credit Union. Similarly, updating your
address at The Credit Union does not automatically update the address on the Service.
Termination or Discontinuation: In the event you wish to discontinue the Service, you must notify
us in writing. The Credit Union may terminate Service to any individual at any time with cause,
but without advance notice. Neither termination nor discontinuation shall affect your liability or
obligation under this Agreement.

Payee Limitations: The Service reserves the right to refuse to pay any person or entity to which
you may direct a payment. The Service is obligated to notify you promptly if it decides to refuse
to pay a person or entity designated by you. This notification is not required if you attempt to pay
tax or court-related payments or payments outside the United States and its
possessions/territories (American Samoa, Guam, Marshall Islands, Micronesia, N. Mariana
Islands, Palau, Puerto Rico and the Virgin Islands), which are prohibited under this agreement.
Information Authorization: Through your enrollment in the Internet Bill Pay Service, you agree
that The Credit Union reserves the right to request a credit agency report and/or a review of
your credit rating at its own expense through an authorized credit agency/bureau. In addition,
you agree that the Service reserves the right to obtain financial information regarding your
account from a merchant or financial institution to resolve payment-posting problems.

Disputes: In the event of a dispute regarding the Service, you and the Service agree to resolve
the dispute by looking to this Agreement. You agree that this Agreement is the complete and
exclusive statement of the agreement between you and the Service which supersedes any
proposal or prior agreement, oral or written, and any other communications between you and
the Service relating to the subject matter of this Agreement. If there is a conflict between what
one of the Service’s employees says and the terms of this Agreement, the terms of the
Agreement shall control.

Assignment: You may not assign this Agreement to any other party. The Service may assign
this Agreement to any future, directly or indirectly, affiliated company. The Service may also
assign or delegate certain of its rights and responsibilities under this Agreement to independent
contractors or other third-party service providers.

GOVERNING LAW:

This Agreement shall be governed by and construed in accordance with the laws of the State of
Louisiana, United States of America, without regard to its conflicts of law provisions.

REMOTE DEPOSIT CAPTURE (ezDeposit)

In this Disclosure and Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer
or business) that applied for and/or uses any of the Remote Deposit Capture Services (the
“Services”) described in this Disclosure and Agreement. The words “you,” “your,” and “yours”
mean Greater New Orleans Federal Credit Union. My Application for use of the Remote
Deposit Capture Services, your notification of approval of my application, and my Greater New
Orleans Federal Credit Union membership and account agreement are hereby incorporated into
and made a part of this Disclosure and Agreement. In the event of a discrepancy between this
Disclosure and Agreement and my Application, your approval, or the Account Agreement, this
Disclosure and Agreement will control.

Use of the Services: Following receipt of your notification approving my use of the Services, I
am authorized by you to remotely deposit paper checks I receive to my account with you (the
“Account”) by electronically transmitting a digital image of the paper checks to you for deposit.
My use of the Services constitutes my acceptance of the terms and conditions of this Disclosure
and Agreement. I agree to comply with the hardware and software requirements set forth in the
System Requirements section below. Upon receipt of the digital image, you will review the
image for acceptability. I understand and agree that receipt of an image does not occur until
after you notify me of receipt of the image via onscreen messaging and/or email notification. I
understand that, in the event I receive a notification from you confirming receipt of an image,
such notification does not mean that the image contains no errors or that you are responsible for
any information I transmit to you. You are not responsible for any image that you do not
receive. Following receipt of the image, you may process the image by preparing a “substitute
check” or clearing the item as an image. Notwithstanding anything to the contrary, you reserve
the right, within your sole and absolute discretion, to accept or reject any item for remote deposit
into my Account. I understand that any amount credited to my Account for items deposited
using the Services is a provisional credit and I agree to indemnify you against any loss you
suffer because of your acceptance of the remotely deposited check.

In addition I agree that I will not (i) modify, change, alter, translate, create derivative works from,
reverse engineer, disassemble or decompile the technology or Service, (ii) copy or reproduce all
or any part of the technology or Service; or (iii) interfere, or attempt to interfere, with the
technology or Service.

Guarantee Specific to Deposits Received for Credit to a Business Account:

My use of the Services for the purpose of depositing to a Business Account constitutes my
understanding and agreement that I may be personally liable for any expenses Greater New
Orleans Federal Credit Union incurs in attempting to obtain final payment for the item in
question, outside of the routine costs associated with item processing, in the event of a default
by the Business. This includes but is not limited to recovery of the amount credited in the event
of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs
associated with Greater New Orleans Federal Credit Union enforcing this Guarantee. This
Guarantee shall benefit Greater New Orleans Federal Credit Union and its successors and
assigns.

Compliance with Law: I agree to use the products and Service for lawful purposes and in
compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the
conduct of my business if applicable. I warrant that I will only transmit acceptable items for
deposit and have handled the original items in accordance with applicable laws, rules and
regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs,
expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This
indemnity will survive termination of my Account and this Agreement.

Check Requirements: Any image of a check that I transmit to you must accurately and legibly
provide all the information on the front and back of the check at the time presented to me by the
drawer. Prior to capturing the original check, I will indorse the back of the original check. My
endorsement must include my signature, my account number, and “FOR GNO MOBILE
DEPOSIT ONLY”. The image of the check transmitted to you must accurately and legibly
provide, among other things, the following information: (1) the information identifying the drawer
and the paying bank that is preprinted on the check, including complete and accurate MICR
information and the signature(s); and (2) other information placed on the check prior to the time
an image of the check is captured, such as any required identification written on the front of the
check and any endorsements applied to the back of the check. The image quality for the check
will meet the standards for image quality established by the American National Standards
Institute (“ANSI”), the Board of Governors of the Federal Reserve, and any other regulatory
agency, clearing house or association.

Rejection of Deposit: You are not liable for any service or late charges levied against me due to
your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any
applicable fees to your Account due to an item being returned.

Items Returned Unpaid: A written notice will be sent to me of transactions you are unable to
process because of returned items. With respect to any item that I transmit to you for remote
deposit that you credit to my Account, in the event such item is dishonored, I authorize you to
debit the amount of such item from the Account.

Email Address: I agree to notify you immediately if I change my email address, as this is the
email address where you will send me notification of receipt of remote deposit items.

Unavailability of Services: I understand and agree that the Services may at times be
temporarily unavailable due to the Financial Institution’s system maintenance or technical
difficulties including those of the Internet service provider, cellular service provider and Internet
software. In the event that the Services are unavailable, I acknowledge that I can deposit an
original check at your branches or by mailing the original check to you at PO Box 6708,
Metairie, LA 70009-6708. It is my sole responsibility to verify that items deposited using the
Services have been received and accepted for deposit by you. However, you will email
notification of items that are rejected by the next business day following rejection.

Business Days and Hours: https://www.gnofcu.com/Contact-Us

Funds Availability: I understand and agree that, for purposes of deposits made using the
Services, the place of deposit is Metairie, LA. With regard to the availability of deposits made
using the Services, such funds will be available as set forth below.

1) Deposits received via the Service are processed on our Mobile Deposit business days,
which are Monday through Friday, excluding holidays, until 3:00 p.m. CST.

2) Deposit items that we receive after 3:00 daily will not be deposited to my account until
the end of the following business day. Deposits made after 3:00 p.m. CST on a Friday
that is a business day, and at any time on a Saturday, Sunday, or holiday, will not be
deposited into my account until the end of the next business day that you are open.

3) The earliest that funds deposited after 3:00 p.m. via the Service will be available for
withdrawal or to pay checks that I have written would be the third business day after the
business day on which you receive the deposit.

4) Check holds or unavailability of the Service may cause further delays in availability of
funds beyond that time. Checks deposited via the Service do not fall under the
regulatory provisions of Regulation CC – Expedited Funds Availability Act. As such,
longer hold periods may apply to those deposited items.

Accountholder’s Warranties: I make the following warranties and representations with respect
to each image of an original check I transmit to you utilizing the Services:

1) Each image of a check transmitted to you is a true and accurate rendition of the front
and back of the original check, without any alteration, and the drawer of the check has
no defense against payment of the check.

2) The amount, the payee, signature(s), and indorsement(s) on the original check are
legible, genuine, and accurate.

3) I will not deposit or otherwise indorse to a third party the original item (the original check)
and no person will receive a transfer, presentment, or return of, or otherwise be charged
for, the item (either the original item, or a paper or electronic representation of the
original item) such that the person will be asked to make payment based on an item it
has already paid.

4) Other than the digital image of an original check that I remotely deposit through your
Services, there are no other duplicate images of the original check.

5) I have instituted procedures to ensure that each original check was authorized by the
drawer in the amount stated on the original check and to the payee stated on the original
check.

6) I am authorized to enforce each item transmitted or am authorized to obtain payment of
each item on behalf of a person entitled to enforce such transmitted item.

7) The information I provided in my Application remains true and correct and, in the event
any such information changes, I will immediately notify you of the change.

8) I have not knowingly failed to communicate any material information to you.

9) I have possession of each original check deposited using the Services and no party will
submit the original check for payment.

10) Files and images transmitted to you will contain no viruses or any other disabling
features that may have an adverse impact on your network, data, or related systems.

Storage of Original Checks: I must securely store each original check. If I am using the Service
to deposit items into an account in the name of a Business to which I am a party I understand
this means the original check(s) must be accessible only [under dual control] by my authorized
personnel, that I deposit using the Services for a period of 10 days after transmission to you.
Persons who have access to the stored checks must be fully bondable and have passed a
thorough screening. After such period expires, I will destroy the original check. I understand
and agree that I am responsible for any loss caused by my failure to secure the original checks.

Securing Images on Mobile Devices: When using the Service, I understand that check images
captured using my mobile device are stored on the device only until the associated deposit has
been successfully submitted. I agree to promptly complete each deposit. In the event that I am
unable to promptly complete my deposit, I agree to ensure that my mobile device remains
securely in my possession until the deposit has been completed or to delete the associated
images from the application.

Accountholder’s Indemnification Obligation: I understand and agree that I am required to
indemnify you and hold you harmless against any and all claims, actions, damages, liabilities,
costs, and expenses, including reasonable attorneys’ fees and expenses arising from my use of
the Services and/or breach of this Disclosure and Agreement. I understand and agree that this
paragraph shall survive the termination of this Agreement.

In Case of Errors: In the event that I believe there has been an error with respect to any original
check or image thereof transmitted to you for deposit or a breach of this Agreement, I will
immediately contact you regarding such error or breach as set forth below.

Telephone you at: 504-454-8224
or e-mail you at: gno.rdc@gnofcu.com

Limitation of Liability: I understand and agree that you are not responsible for any indirect,
consequential, punitive, or special damages or damages attributable to my breach of this
Disclosure and Agreement.

Warranties: I UNDERSTAND THAT THE FINANCIAL INSTITUTION DOES NOT MAKE ANY
WARRANTIES ON EQUIPMENT, HARDWARE, SOFTWARE OR INTERNET PROVIDER
SERVICE, OR ANY PART OF THEM, EXPRESSED OR IMPLIED, INCLUDING, WITHOUT
LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE. THE FINANCIAL INSTITUTION IS NOT RESPONSIBLE FOR ANY
LOSS, INJURY OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL OR
CONSEQUENTIAL, CAUSED BY THE INTERNET PROVIDER, ANY RELATED SOFTWARE,
OR THE FINANCIAL INSTITUTION’S USE OF ANY OF THEM OR ARISING IN ANY WAY
FROM THE INSTALLATION, USE, OR MAINTENANCE OF MY PERSONAL COMPUTER
HARDWARE, SOFTWARE, OR OTHER EQUIPMENT.

Change in Terms: You may change the terms and charges for the Services indicated in this
Disclosure and Agreement by notifying me of such change in writing and may amend, modify,
add to, or delete from this Disclosure and Agreement from time to time. My use of the Services
after receipt of notification of any change by you constitutes my acceptance of the change.

Termination of the Services: I may, by written request, terminate the Services provided for in
this Disclosure and Agreement. You may terminate my use of the Services at any time. In the
event of termination of the Services, I will remain liable for all transactions performed on my
Account.

Relationship to Other Disclosures: The information in these Disclosures applies only to the
Services described herein. Provisions in other disclosure documents, as may be revised from
time to time, remain effective for all other aspects of the Account.

Governing Law: I understand and agree that this Disclosure and Agreement and all questions
relating to its validity, interpretation, performance, and enforcement shall be governed by and
construed in accordance with the internal laws of Louisiana, notwithstanding any conflict-of-laws
doctrines of such state or other jurisdiction to the contrary. I also agree to submit to the
personal jurisdiction of the courts of Louisiana.

Periodic Statement: Any remote deposits made through the Services will be reflected on my
monthly account statement. I understand and agree that I am required to notify you of any error
relating to images transmitted using the Services by no later than 60 days after I receive the
monthly periodic statement that includes any transaction I allege is erroneous. I am responsible
for any errors that I fail to bring to your attention within such time period.

Limitations on Frequency and Dollar Amount: I understand and agree that I cannot exceed the
limitations on frequency and dollar amounts of remote deposits that are set forth by you.

Unacceptable Deposits: I understand and agree that I am not permitted to deposit the following
items using the Services:

1) Any item drawn on Greater New Orleans Federal Credit Union.

2) Any item that is stamped with a “non-negotiable” watermark.

3) Any item that contains evidence of alteration to the information on the check.

4) Any item issued by a financial institution in a foreign country.

5) Any item that is incomplete.

6) Any item that is “stale dated” or “post dated.”

7) Savings Bonds

8) Any item with a restrictive endorsement.

9) Any item payable to a third party other than the member or an authorized signer listed on
the account.

Changes in Financial Circumstances: I understand and agree that I must inform you
immediately in the event a material change in my financial circumstances as or in any of the
information provided in my Application including any supporting financial information. If I am
using the Service to deposit items into an account in the name of a Business to which I am a
party, this includes, but is not limited to, notification of the following: (a) changes in transaction
volumes at my business; (b) any change in a representation or statement made or furnished to
you by me or on my behalf in my Application; (c) a material change occurs in my ownership or
organizational structure (acknowledging that any change in ownership will be deemed material
when ownership is closely held); (d) I liquidate or dissolve, or enter into any consolidation
merger, partnership, or joint venture; (e) I sell any assets except in the ordinary course of my
business as now conducted, or sell, lease, assign or transfer any substantial part of my
business or fixed assets or any property or other assets necessary for the continuance of my
business as now conducted including, without limitation, the selling of any property or other
assets accompanied by the leasing back of the same; (f) I cease doing business, become
insolvent, a receiver is appointed for all or any part of my property, I make an assignment for the
benefit of creditors, or any proceeding is commenced either by me or against me under any
bankruptcy or insolvency laws or any other law or laws relating to debtors; (g) any guaranty of
my indebtedness to you, whether related or unrelated to the Account or the Services, ceases to
be in full force and effect or is declared to be null and void; or the validity or enforceability
thereof is contested in a judicial proceeding; or any guarantor denies that it has any further
liability under such guaranty; or any guarantor defaults in any provision of any guaranty, or any
financial information provided by any guarantor is false or misleading); (h) I or any guarantor
dies; if I am a sole proprietorship, the owner dies; if I am a partnership, any general or managing
partner dies; if I am a corporation, any principal officer or 10.00% or greater shareholder dies; if
I am a limited liability company, any managing member dies; if I am any other form of business
entity (any person(s) directly or indirectly controlling ten percent (10.00%) or more of the
ownership interests of such entity dies; (i) any creditor tries to take any of my property on or in
which you have a lien or security interest, including a garnishment of any of my accounts with
you; (j) a judgment or judgments is entered against me or any guarantor(s) in the aggregate
amount of $250 or more that is not satisfied within thirty (30) days or stayed pending appeal; (k)
an involuntary lien or liens is attached to any of my assets or property and not satisfied within
thirty (30) days or stayed pending appeal; (l) an adverse change occurs in my financial condition
or applicable credit histories; and (m) I am in default under any agreement for borrowed money
or any other material contract. I agree to provide you any financial records you reasonably
request to determine my financial status during the term of this Disclosure and Agreement.

Confidentiality: I acknowledge and agree that confidential data relating to your Services,
marketing, strategies, business operations and business systems (collectively, “Confidential
Information”) may come into my possession in connection with this Disclosure and Agreement.
I understand and agree that I am prohibited from disclosing and agree to maintain the
confidentiality of your Confidential Information.

Waiver: The failure of either party to seek a redress for violation, or to insist upon the strict
performance, of any covenant, agreement, provision, or condition hereof shall not constitute the
waiver of the terms or of the terms of any other covenant, agreement, provision, or condition,
and each party shall have all remedies provided herein with respect to any subsequent act
which would have originally constituted the violation hereunder.

Relationship: This Disclosure and Agreement does not create, and shall not be construed to
create, any joint venture or partnership between the parties. No officer, employee, agent,
servant, or independent contractor of either party shall at any time be deemed to be an
employee, servant, agent, or contractor of the other party for any purpose whatsoever.

SYSTEM REQUIREMENTS
FOR REMOTE DEPOSIT CAPTURE SERVICES

iOS Compatibility – Requires iOS 9 or later. Compatible with iPhone, iPad, and iPod touch.

Android Compatibility – Requires 5.0 or higher or it will not install or appear in the play store.
RDC just requires a rear-facing camera.