We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you Online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for Online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.

You understand that in addition to information furnished pursuant to legal process, some information about your accounts may automatically be disclosed to others. For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government. The credit union may also provide information about your account(s) to persons or companies it believes would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, the credit union routinely informs a credit bureau when accounts are closed by the credit union because they were not handled properly. The credit union may also seek information about you from others, such as a credit bureau, in connection with the opening or maintaining of your account. You authorize these transfers of information.

In case of questions or errors about FAIRWINDS Online funds transfers through FAIRWINDS Online involving your account, here is what you should do:

• Contact FAIRWINDS Credit Union by electronic mail (E-mail)
• Fax FAIRWINDS Credit Union at (407) 658-7937
• Telephone FAIRWINDS Credit Union at (407) 277-5045 / (800) 443-6887
• Write FAIRWINDS Credit Union at 3087 N. Alafaya Trail, Orlando, FL 32826, as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record
• We must hear from you no later than sixty (60) days after we have sent the first paper statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (IO) business days.
• Tell us your name and member number
• Describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information.
• Tell us the dollar amount of the suspected error.
• For a bill payment, tell us the checking member number used to pay the bill, payee name, date the payment was sent, payment amount, reference number, and payee member number for the payment in question.
• Here's what we will do:

We will tell you the results of our investigation within ten (10) business days, or twenty (20) business days in the case of point of sale purchases, 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, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions, for the amount you think is in error, so that you will 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 will not 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 and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.

If we do not complete a transfer to or from your FAIRWINDS Credit Union 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 a transfer.
• If a legal order directs us to prohibit withdrawals from the account.
• If your account is closed or if it has been frozen.
• If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts.
• If you, or anyone you allow, commits any fraud or violates any law or regulation.
• If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly.
• If you have not provided us with complete and correct payment information, including without limitation the name, address, member number, and payment amount for the payee on a bill payment.
• If you have not properly followed the instructions for using FAIRWINDS Online.
• If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.

Other Agreements - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the credit union's rules and regulations, the rules and regulations of any funds transfer system to which the credit union belongs, and applicable State and Federal laws and regulations. We agree to be bound by them also.

FAIRWINDS Credit Union Reserves the Right to terminate this Agreement - The credit union reserves the right to terminate this Agreement and your access to FAIRWINDS Online, in whole or in part, at any time without prior notice.