To access your accounts through FAIRWINDS Online, you must have a FAIRWINDS Credit Union account and an Online password.

A business must be operating under a tax payer identification number which must be the owner's Social Security Number to have access to these accounts.

Sending electronic mail (E-mail) through FAIRWINDS Online is a way to communicate with the credit union. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of FAIRWINDS Online. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s).

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within FAIRWINDS Online or call (407) 277-5045 / (800) 443-6887.

There are no monthly or transaction fees for accessing your account(s) through FAIRWINDS Online. See Section IV for a description of Bill Pay fees.

Please note that fees may be assessed by your Online service provider.

FAIRWINDS Credit Union may, from time to time, introduce new Online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

With FAIRWINDS Online, you can manage your personal or small business accounts from your home or office on your personal computer. You can use FAIRWINDS Online to:

• View account balances and review transaction history.
• Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).
• Pay bills to any merchant, institution or individual.
• Communicate directly with FAIRWINDS Credit Union through E-mail.