COAST360 ONLINE AND COAST360 MOBILE AGREEMENT AND DISCLOSURE FOR RETAIL USERS

This Agreement or contract covers your rights and responsibilities, as well as those of Coast360 Federal Credit Union (“Coast360” or “Credit Union”) regarding Coast360 Online and Coast360 Mobile service and any of its features. Coast360 Online and Coast360 Mobile allow you to electronically communicate with Coast360 and initiate account transactions, bill payments and funds transfer through your accounts. In this Agreement, the words "you", "yours" and “member(s)” refers to those who request and use Coast360 Online, Coast360 Mobile, Coast360 Card Control, Bill Pay, Mobile Deposit services and eStatements, including Sole Proprietors and any joint owners of accounts accessed under this Agreement or any authorized users of this service. The words "we," "us," and "our" mean Coast360. The word "account" means any one or more share and/or loan accounts you have with Coast360. By requesting and using the Coast360 Online and Coast360 Mobile services, each of you, jointly and severally, agree to the terms and conditions in this Agreement, the Credit Union’s Membership and Account Agreements and any subsequent amendments.

COAST360 ONLINE AND COAST360 MOBILE ACCESS 

The Credit Union provides you with access to your account over the Internet via Coast360 Online and Coast360 Mobile applications. Access and usage of these applications and any of the features are made available to authorized users under conditions described in this document, and in terms of agreements required when using, or enrolling into each separate feature such as Transfers to/Withdrawals From another financial institution, Bill Pay, Alerts, Stop Payments, Card Control, and Mobile Deposits. Access and usage of these applications are also subject to the terms, conditions and limitations of the memberships established through our youth banking program such as the Kids360 and Teen360 accounts. 

Access is a privilege and may be revoked at any time without any prior notice in the event of suspicion of fraud as determined by the Credit Union staff or reported by you. Specific data about your online access, including your location and computer or mobile device identifying information, are recorded and monitored for security purposes. The Credit Union provides you with the tools to monitor your online account access via the “User Activity” feature. These and other security features can be accessed from Coast360 Online. It is your responsibility to monitor

and report any unusual online account activity. 

SYSTEM REQUIREMENTS 

Coast360 Online and Coast360 Mobile allow for convenient access to your account information 24 hours a day. 

Coast360 Online System Requirements 

To use Coast360 Online you must have Internet access, the most current web browser, as well as your User ID and Password. Third-party fees may apply for data and internet access. Contact your mobile or internet carrier for additional information. 

Coast360 Mobile Application Requirements 

To use Coast360 Mobile, you must have a mobile device with internet access and with the most current iOS or Android™ Operating System or a version before the most current version. You must also have your User ID and Password. Third-party fees may apply for data and internet access. Contact your mobile or internet carrier for additional information. 

To access your account, download the Coast360 Federal Credit Union Mobile Application from your device’s application store. The Operating System version must be compatible with the latest version of the application, as determined by your device’s application store. 

YOUR PHONE NUMBERS AND E-MAIL ADDRESS

A phone number and an e-mail address are required to access Coast360 Online. It is your responsibility to maintain the most current phone numbers and email addresses with the Credit Union. 

We may remind you of an invalid e-mail address on file as you log into Coast360 Online and may reset your statement selection back to paper statements if a current e-mail address is not provided. A service fee may be charged to your account for handling returned undeliverable e-mails as stated in the Common Fee Schedule.

We will use the primary Coast360 Online e-mail address to notify you: 

· Whenever a new message is received within your Coast360 Online Secure Message box; 

· Of any exceptions that occurred when processing your Bill Payments, Mobile Deposits, or Card Control; 

· Of any exceptions that occurred when transferring funds between other financial institutions; 

· When your statement is available online;

· Of any account-related promotions and additional information. 

YOUR COAST360 ONLINE PASSWORD 

Your Coast360 Online user ID and password are required for Coast360 Online access. A password can be eight (8) to thirty-two (32) alphanumeric characters, including most special characters. You are responsible for securely maintaining your account number or Coast360 Online user ID and password. You are responsible for transactions by you and your authorized users. Unauthorized or suspicious account access should be reported immediately. 

By establishing a user ID and password, you and your authorized users agree to these best practices:

a. Never disclose your user ID and password or otherwise make it available to anyone, including other joint owners on the account.

b. Never disclose your password to Coast360.

c. Regularly change your password and use special characters to make it more secure. Avoid words that can be found in any personal identification documents or dictionary. For security purposes, your password must meet these complex requirements:

d. 8-32 characters total

e. At least 1 uppercase letter

f. At least 1 lowercase letter

g. At least 1 number

h. At least 1 of these special characters: ~!@#$%^&*()_+-={}|:;=?,./

COAST360 ONLINE ALERTS

The Coast360 Online Alerts system is designed to notify you of specific actions taking place on your account, for security purposes or as specified by you. Customized Transactional Alerts (“Alerts”) allow you to receive information about your account including balance changes, checks cleared, particular transaction types, loan payments due or past due, and maturity dates via email. You may initiate, change or cancel your customized Alerts through Coast360 Online.

Up to three (3) e-mail addresses can be configured to deliver any of the available alert notifications. It is your responsibility to maintain these e-mail addresses. 

Alerts are designed to give you timely notice of specific events, but may not always provide immediate notice. You may encounter errors, interruptions, delays, or failures in the receipt of your Alerts. We cannot guarantee, nor assume liability for losses or damages in connection with, the timeliness, delivery, misdelivery, reliability, totality, or deletion of Alerts, whether received or not by you and any actions you take or do not take in reliance of Alerts or your failure to respond to Alerts. The Credit Union may deactivate, without any prior notice, any alerts set up on closed accounts or those that were sent to an e-mail address that is returned undeliverable. 

COAST360 ONLINE TRANSFER TO OR WITHDRAW FROM ANOTHER FINANCIAL INSTITUTION

This feature allows you to send a deposit to or withdraw from an account you own at another financial institution. These transactions are processed via the Federal Reserve’s Automatic Clearing House (ACH) system. A debit and credit verification will be generated through Coast360 Online to each of your new Financial Institution setups. You will be required to unlock the transfer function to this new account by providing the verification transaction amount before any transfers can be scheduled. 

If your payment order or other funds transfer is sent or received through an ACH system, you will be subject to all applicable rules of such clearinghouse, and any applicable rules outlined in Federal Reserve Operating Circulars. 

You agree that you will not initiate any ACH transfer that violates any law of the United States of America. You agree that you are an Owner and Authorized Signer on the accounts at the destination financial institution and can originate these types of transactions. You further agree to verify such ownership and signing privilege upon request. 

Transfers can be scheduled at any time, but not exceed the daily aggregate limit as set by the Credit Union. Transfers are not processed the day before any federally observed holiday. The actual observed holiday may change from year to year. Please contact the Credit Union for a complete listing of observed holidays. 

Debits to savings accounts are subject to limitations as defined in the “Transaction Limitations” section in the Membership and Account Agreements for the specific account type. From time to time, we may process your transfers on the following morning from the scheduled processing date. This does not affect or extend the transmission of your request to the receiving institution. 

The Credit Union may cancel without any further notification any pending one-time or recurring financial institution transfers set up from a closed account or at the discretion of the Credit Union.

RIGHT TO CANCEL TRANSFERS 

If you have used Coast360 Online to schedule future, one-time or recurring transfers within your account, to another Coast360 member’s account, or an account at another financial institution, you can cancel those transfers, provided the funds to be transferred have not yet been withdrawn from your Coast360 account or the debit has not yet been sent to our ACH Operator for processing. 

STOP PAYMENTS 

The Coast360 Online stop payment feature allows you to place a stop payment request on personal checks written from your Credit Union account. We reserve the right to revoke your request if the check has already been accepted for payment and processed, or if the stop payment request has been received within twenty-four (24) hours before the check is being presented for payment. It is your responsibility to renew stop payment requests that have or will expire. 

CONTACT INFORMATION UPDATES 

Primary account holders can update their physical address, mobile, home, and work telephone number through Coast360 Online. Primary account holders may also input alternate mailing addresses via SecureForms.

A service fee will be charged to your account for handling returned undeliverable mail or e-mail as stated in the Common Fee Schedule. 

TRANSACTIONS AVAILABLE 

You may use Coast360 Online to perform the following transactions: 

· Obtain account/loan balance and history; 

· Obtain loan payment due date and payoff information; 

· Obtain last dividend date and amount through account history; 

· Verify payments of specific checks; 

· Transfer funds from your Checking and Savings Accounts 

· Access your Line of Credit for loan advances by transfer; 

· Download transaction information to personal financial management software; 

· Make loan payments;

· Transfer funds from your Checking and Savings Accounts to accounts of other members. 

· Pay bills through Bill Pay from your Coast360 Checking Account(s); 

· Communicate with Coast360 using the Secure Messages feature for other transactions permitted by Coast360. 

· Other features as added. 

You may use Coast360 Mobile to also perform the following transactions: 

· Block/Unblock your card 

· Report your card lost/stolen

· Set up card controls

· Make a deposit via Mobile Deposit. 

Transactions involving your deposit accounts, including checking account stop payment requests, will be subject to the terms of your Membership and Account Agreement, and transactions involving a line of credit account will be subject to your Loan Agreement and Disclosures, as applicable. 

SERVICE LIMITATIONS 

The following limitations on Coast360 Online transactions may apply when using the services listed above: 

Transfers 

You may make funds transfers to other accounts of yours as often as you like. However, transfers from your Savings and Money Market accounts are subject to account limitations as provided in the General Membership Account Disclosure. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. Coast360 reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. 

Account Information 

The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for ATM transactions and our Funds Availability Policy. 

Secure Messages 

Coast360 may not immediately receive communications through Secure Messages that you send and Coast360 will not take action based on requests received from Secure Messages until Coast360 receives your message and has a reasonable opportunity to act. You may send and receive Secure Messages, which may include attachments, when necessary. We are not responsible for undelivered or incorrect notifications and/or Secure Messages for reasons that are outside our control. If you need to contact Coast360 immediately regarding an unauthorized transaction or stop payment request, you may call our Contact Center at (671) 477-8736 or toll-free from the U.S. mainland at 1-866-217-4858 during operation hours.

Mobile Deposit

The Credit Union offers the ability to remotely deposit checks through the Mobile Deposit feature. The use of this application is made available based on specific member eligibility and requires agreement and acceptance of separate terms and conditions. Please visit www.coast360fcu.com, call our Contact Center at (671) 477-8736 or toll-free from the U.S. mainland at 1-866-217-4858 during operation hours for additional information or eligibility requirements. 

Bill Pay

The Bill Pay service is made available to you under guidelines described in the Bill Pay Terms of Service. The disclosure is presented upon registration for the Bill Pay service. You authorize the Credit Union to charge your designated Checking Account(s) for any transactions processed through the use of our Bill Pay service, including all charges as shown on our Common Fee Schedule associated with the Bill Pay service. This service may be revoked at any time by the Credit Union and any payments scheduled may be canceled at any time without any further notification in the event of misuse, fraud, abuse, and/or any other violations of regulations described in this disclosure. Furthermore, your enrollment to the Bill Pay service may be subject to termination if there are no active Bill Pay activity, or, if you do not utilize your online banking account within 6 months.

Coast360 Card Control

Coast360 Card Control allows you to set control preferences (“Preferences”) and alerts (“Notifications”) for Coast360 debit cards including, but not limited to, turning the card on/off. Notifications may be sent via texts or push messages. We will not charge a fee for sending notifications, but your service provider might charge you for texts or push messages.

Setting Preferences will not guarantee that designated transactions will be prevented, limited, or approved or those particular notifications will be generated or received. Coast360 Card Control depends on several factors including, but not limited to, your card and account status, merchant-provided transaction identifiers, merchant practices, GPS, your location, the status of your mobile device, accessibility or utility over some networks, particularly roaming, or other errors, interruptions, delays, or failures in the processing of your preferences.

We assume no liability for the unintended denials or approvals in which Coast360 Card Control was the determining factor or for the timeliness, reliability, deletion, non-delivery, or misdelivery of any notifications we may send you whether received or not received by you and we will not be liable for any losses caused by any actions you take in reliance of denials, approvals, or notifications or your failure to respond to the denials, approvals, or notifications.

You may cancel or change your preferences under options in Coast360 Card Control or you may contact us for assistance. 

CREDIT SENSE

Credit Sense services allow you to retrieve and view your credit report without affecting your overall credit score. You can establish monitoring alerts, identify any credit bureau errors, and receive tips on how to improve or maintain your credit score. You will also see the best rates on Credit Union products that may be available to you based on your credit score. However, any rates disclosed are not pre-screened or official offers for credit with the Credit Union. This service requires your acceptance of the Terms of Service upon enrollment. Powered by savvymoney, Credit Sense is provided at no charge to you.

LIABILITY FOR UNAUTHORIZED ACCESS 

You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Coast Online service or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your access code or accessed your account(s) through Coast360 Online without your authorization. Telephoning is the best way to keep your possible losses down. If you tell us within two (2) business days, you can lose not more than $50 if someone accesses your account(s) without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account(s) or access code, and we can prove that we could have stopped someone from accessing your account(s) without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make via Coast360 Online, Coast360 Mobile or Bill Pay services, 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 lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

If you believe that someone has used your access code or has transferred or may transfer money from your account(s) without your permission,

Call Coast360 at:

(671) 477-8736 (toll-free from the U.S. mainland at 1-866-217-4858)

Or Write Coast360 at:

Coast360 Federal Credit Union

ATTN: Support Services

450 Route 8 Maite, GU 96910. 

Our business days are Monday – Thursday 9:00 am to 4:00 pm (ChST), Friday 10:00 am to 6:00 pm (ChST) and Saturday 9:00 am to 1:00 pm (ChST). Sundays and holidays are not included. 

FEES AND CHARGES 

Coast360 Online, Coast360 Mobile, Bill Pay,Coast360 Card Control and eStatement services are provided at no charge for Retail Users. However, Sole Proprietor accounts are subject to the Service Package Fees as stated in the Common Fee Schedule. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your Loan Agreement and Disclosure. 

For any modifications to your current service package, an updated online banking application is required no later than the 15^th of the month.

PERIODIC STATEMENTS 

Transfers, withdrawals, and bill payments transacted through Coast360 Online will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.

ELECTRONIC DISCLOSURE AGREEMENT

Accessing your accounts through Coast360 Online and Coast360 Mobile services confirms your ability to access Coast360 eStatements. Upon accepting the terms and conditions for online banking, you agree to be automatically enrolled in Coast360 eStatements and confirm you understand that Coast360 will no longer be providing you with a monthly paper statement. You will instead receive an e-mail notification that your statement(s) are available online, generally 2-5 days after your statement cycle.

E-mail Address

In order to receive our statement notification, you must establish and maintain an accurate e-mail address with the Credit Union. If you change your e-mail address, it is your responsibility to notify us of your new address as soon as possible to avoid delays in receiving your eStatement.

Returned E-mailed Statement Notification

A returned e-mailed eStatement notification message is comparable to a returned mailed paper statement and may result in the assessment of a returned mail statement fee. A second returned e-mailed eStatement notification message will result in the assessment of another returned mail statement fee and the reversion of your eStatement service to paper statements. Upon reversion to paper statements, you will be assessed a monthly paper statement fee thereafter. Please refer to the Common Fee Schedule for more details.

Accessing Your EStatements

To access your eStatements online, simply log into Coast360 Online and view your statements online.

Error Resolution

You understand the importance of your role in preventing misuse of your account. You agree to promptly examine your statement and notify us immediately of any errors on your account. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. You may contact us at (671) 477- 8736 (toll-free from the U.S. Mainland at 1-866-217-4858.

Change in Terms

It may be necessary from time to time, to change the terms or conditions regarding your statement access. In the event such a change is necessary, we will display a message via e-mail notification or by written notification.

Other Account Related Information

We often include with your paper account statement other periodic notices that relate to account notices or regulatory information, otherwise known as statement inserts. When you agree to accept electronic statements, you also agree to receive other notices by electronic delivery.

Cancellation of eStatements

You have the right to terminate your eStatements access and receive paper statements at any time upon delivery of written notice to Coast360. If you wish to cancel eStatements and resume receipt of paper statements, you may log into your account and select the option to revert to paper statements or call (671) 477-8736 for further assistance. Reversion to paper statements will result in the subsequent assessment of a monthly paper statement fee.

If you cancel receipt of eStatements and wish to resume receiving eStatements in the future, it will be necessary for you to go through the sign up process again.

Coast360 has the right to terminate its obligation to provide eStatements service to you upon ten days of prior written notice (e-mail acceptable).

ACCOUNT INFORMATION DISCLOSURE 

We will disclose information to any agent, independent contractor, designee, or assignee that Coast360 may in its sole discretion select to conduct Coast360 Online, Coast360 Mobile, Mobile Deposit, Bill Pay, or Coast360 Card Control service transactions that you may request on your behalf. 

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS 

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you and the instructions you transmit, we will be liable for your actual losses or damages. However, Coast360 will not be liable: 

· If, through no fault of ours, you do not have adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicable. 

· If you used the wrong access code or you have not properly followed any applicable computer, Internet, or Coast360 user instructions for making transactions. 

· If your computer fails or malfunctions or the Coast360 Online, Coast360 Mobile, Bill Pay, or Card Control services were not properly working and such problem should have been apparent when you attempted such transaction. 

· If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent the initiation or completion of the transaction. 

· If the funds in your account are subject to an administrative hold, legal process, or other claims. 

· If you have not given Coast360 complete, correct, and current instructions to process a transfer. 

· If the error was caused by a system beyond Coast360’s control such as a telecommunication system or your Internet service provider.

· If there are other exceptions as established by Coast360 from time to time.

TERMINATION OF COAST360 ONLINE SERVICES 

You agree that we may terminate this Agreement and your use of the Coast360 Online services if you, or any authorized user of your account(s) or access code, breach this or any other agreement with us; or if we have reason to believe that there has been any unauthorized use of your account(s) or access code; or if you or any authorized user of your account(s) or access code have not utilized Coast360 Online services for 180 days. You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. However, termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. 

NOTICES 

Coast360 reserves the right to change the terms and conditions upon which this service is offered. Coast360 will provide notice to you at least twenty-one (21) days before the effective date of any change, as applicable or required by law. Continued use of Coast360 Online services after receipt of the terms and conditions will constitute acceptance of, and agreement to the terms and conditions. Use of Coast360 Online is subject to existing regulations governing your accounts and any future changes to those regulations. You agree that any electronic messages or records you transmit or create may be used for any subsequent reference in the event of any dispute regarding your account or any account transaction. 

BILLING ERRORS 

Write or contact us at:

Coast360 Federal Credit Union

ATTN: Support Services

450 Route 8

Maite, GU 96910

(671) 477-8736 (toll-free from the U.S. mainland at 1-866-217-4858)

In case of errors or questions about your Coast360 Online, Coast360 Mobile, or Bill Pay transactions, send a Secure Message through Coast360 Online or Coast360 Mobile, call us at the phone number or write to us at the address set forth above as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.

a. Tell us your name and account number. 

b. Describe the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 

c. Tell us the dollar amount of the suspected error. 

ENFORCEMENT 

You agree to be liable to Coast360 for any liability, loss, or expense as provided in this Agreement that Coast360 incurs as a result of any dispute involving your accounts or services. You authorize Coast360 to deduct any such liability, loss, or expense from your account without prior notice to you. 

This Agreement shall be governed by and construed under the laws of the Territory of Guam as applied to contracts entered into solely between residents of, and to be performed entirely in such territory. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Guam law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. 

Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision shall be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and, such modification shall not affect any other provision of this Agreement.