Home Banking Disclosure

We, the Lisbon Community Federal Credit Union, referred to as "we" or "us", are located at 325 Lisbon Street, Lisbon, ME 04250-0878 and our phone number is 207-353-4144 or Toll Free: (877) 353-4144. "You" refers to the Member-owner of a share account who has requested Home Banking in connection with that account and any sub-account.

You agree to the rules and regulations affecting the use of the personal identification number and Home Banking provided by us for your convenience.

PERSONAL IDENTIFICATION NUMBER
The personal identification number will be your "remote banking signature," and you are responsible for maintaining its confidentiality. The personal identification number should be memorized and not written, in order to prevent unauthorized use.

AUTHORIZED USE
You are authorized to withdraw funds from your accounts(s) with the use of your personal identification number.

JOINT ACCOUNTS
The Home Banking personal identification number is issued only to the first Member named on a share account and offers access to other accounts owned by that Member.

BUSINESS HOURS
Our business hours are Monday through Thursday 9 am-5 pm, Friday 9 am- 6 pm and Saturday 9 am- Noon.

CONSUMER LIABILITY FOR UNAUTHORIZED HOME BANKINGTRANSACTIONS
Tell us at ONCE if you believe your PERSONAL IDENTIFICATION NUMBER has been LOST or STOLEN. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit, if applicable. If you tell us within two (2) business days, you can lose no more than FIFTY DOLLARS ($50.00) if someone used your personal identification number without permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your personal identification number and we can prove that we could have stopped someone from using your personal identification number without your permission if you had told us, you could lose as much as FIVE HUNDRED DOLLARS ($500.00).

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any 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 long trip or hospital stay) kept you from telling us, we will extend the time periods. We are liable only for losses in excess of the limits stated.

NOTIFICATION PROCEDURE
If you believe that your personal identification number has been LOST or STOLEN, or that someone has transferred or may transfer money from your account without permission, call us at 207-353-4144 (Toll Free: (877) 353-4144) or write us at 325 Lisbon St. PO BOX 878, Lisbon, ME 04250-0878.

TYPES OF TRANSACTIONS AVAILABLE
You may use your personal identification number with Home Banking to obtain account information related to any of your deposit and loan accounts regarding current balances and account history, share dividend rates, and YTD and prior year dividends earned and interest paid on each account.

TRANSFERS
You may transfer up to the balance in your account at the time of the transfer, except as limited under other agreements. We reserve the right to refuse any transaction that would draw upon insufficient funds or lower an account below a required balance.

Home Banking transactions may be made at anytime, seven (7) days a week, unless the service is unavailable due to computer back-up procedures or maintenance.

FEES AND CHARGES
Home Banking is a free service provided to any Member of the Lisbon Community Federal Credit Union.

CONDITIONS UNDER WHICH WE WILL DISCLOSE INFORMATION TO A THIRD PARTY
You agree that we may, and you hereby authorize us to, disclose information to third parties about your account(s) or the transfers you make (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; (3) in order to comply with a government agency per court orders as permitted by law; if you give us your written permission.

DOCUMENTATION AND VERIFICATION OF TRANSFER
You will receive a monthly statement of your account activity unless no electronic transfers were made to or from your account(s) during the month, in which case you will receive a statement at least quarterly.

ERROR RESOLUTION
Telephone us at 207-353-4144 or toll-free at (877) 353-4144, or write us at 325 Lisbon Street, PO Box 878, Lisbon, ME 04250-0878, as soon as you can, if your statement is incorrect or if additional information is needed about a transfer. You must contact us no later than sixty (60) days after we send you the first statement on which the problem or error appeared. Provide the following information: 1) Your name and account number, 2) Describe the error or the transfer you are questioning, and a clear explanation of why you believe there is an error, and 3) The dollar amount of the transaction.

If you tell us orally, we may require that you send your complaint or question in writing within ten (10) business days. We will inform you of the results of our investigation within ten (10) days after we receive your complaint and will correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount in question, so 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 do not receive it within ten (10) business days, we may not re-credit your account. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may request copies of the documents used in your investigation.

CANCELLATION
We may cancel your Home Banking privileges at any time without notice or cause. You may cancel this Agreement at any time providing us with written notice that you wish to cancel. Cancellation will be effective as of the date we receive the notice. Any cancellation or termination will not affect any of your existing liability to us.

LIABILITY
If we do not complete a transfer to or from your account in 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: (1) If through no fault of ours, you do not have sufficient funds in your account to complete the transfer. (2) If the Home Banking system was not working properly and you knew it was not working properly when you started the transfer. (3) If circumstances beyond our control, (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

MODIFICATION
This Agreement may be amended by us without prior notice to you when such an amendment is immediately necessary to maintain or restore the security of the system or a Member's account(s). We will notify you in writing within thirty (30) days or as otherwise required by law prior to the effective date of any other change in any term or condition of this Agreement.

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