ARROWHEAD CREDIT UNION DIGITAL BANKING TERMS AND CONDITIONS AGREEMENT

This Agreement governs Digital Banking use of Arrowhead Credit Union Online Banking, Mobile Banking and Bill Pay, referred to as Digital Banking provided by Arrowhead Credit Union. By using Digital Banking to conduct transactions, you agree to the terms and conditions of this Agreement.

Definitions
As used in this Agreement, "account" and "accounts" mean the Arrowhead Credit Union deposit account(s) and loan account(s) tied to your Arrowhead Credit Union membership account number, used through Digital Banking to conduct banking transactions or Bill Pay. "You," "your," and "yours" mean the person(s) using Digital Banking. "We," "our," and "us" refer to Arrowhead Credit Union.

Deposit And Credit Agreements
The terms and conditions in this Agreement are in addition to any deposit or loan account agreements you have with Arrowhead Credit Union, including, but not limited to, your Membership Signature card, Schedule of Fees, and/or any accompanying schedules, or other terms affecting deposit accounts (collectively, the "Deposit Agreement"), or any loan agreement of any type you have with Arrowhead Credit Union (collectively, the "Loan Agreement"), and any change of terms notices.

Required Equipment
In order to use Digital Banking, you need an electronic device (in the Agreement, your computer, tablet, mobile phone and related equipment are collectively referred to as your "Device") with one of two of the most recent Operating Systems, a Member Account Number/Username and Password. The password is the confidential security code you use to access your account(s) through Digital Banking.

You are responsible for the installation, maintenance, and operation of your device, browser and the software. Arrowhead Credit Union is not responsible for any virus or related problems that may be associated with the use of an online system.

Digital Banking
To use Digital Banking, you must have at least one Arrowhead Credit Union account. Through Digital Banking, you will have access to all of your Arrowhead Credit Union accounts associated with your member account number. Arrowhead Credit Union reserves the right to deny access to accounts or to deny transactions under certain circumstances as described below.

Description Of Digital Banking
Digital Banking allows you to perform the following functions from your Device:

• Obtain deposit and loan account balance information, and additional account information specific to the selected account.
• Transfer funds between your savings and checking account(s).
• Transfer funds from your savings or checking account to pay your loan.
• Advance funds from your available line of credit loan(s) to your savings or checking accounts.
• Perform select transactions on other Member accounts for which you are authorized.
• Schedule, review, and maintain payments through our Bill Pay feature.
• Link your account to a third-party Person-to-Person (P2P) service such as Zelle^®, in order to transfer funds.
• Download account information to financial management software programs like Quicken®.
• View eStatements for your account(s) for up to 18 months while enrolled.
• Apply for a loan.
• Change your password.
• Reorder checks for your checking account(s).
• Change your address and phone number.
• Exchange secure messages with Arrowhead Credit Union.
• And other services that may be added in the future.

These features are limited to the extent, and subject to the terms, noted below:

1. Your ability to transfer funds between certain accounts is limited by federal law and Arrowhead Credit Union's Member Account Agreements and Disclosures brochure. Refer to your Arrowhead Credit Union Member Account Agreements and Disclosures brochure for legal restrictions. Refer to the Arrowhead Credit Union Schedule of Fees for any applicable service charges for excessive withdrawals or transfers. Arrowhead Credit Union will not process a transfer if there are insufficient available funds in the accounts from which Arrowhead Credit Union was instructed to transfer.
2. There may be approximately one business day delay in performing certain Digital Banking transactions, including but not limited to change of address, loan requests, reordering checks, and stop payments on checking accounts.
3. Transaction information for your accounts will be available to view in Digital Banking for a minimum of twelve (12) months from the date of inquiry.
4. The third-party service through Zelle has separate requirements and limits that you will be required to agree to and follow in order to use the feature. In addition, certain information will be collected to provide the desired services.
   
   While using Zelle, to use the QR code feature, with your permission, Arrowhead Credit Union may collect and access pictures and other information from your device’s Contacts, Camera and Photos.
   
   Any information collected is used to provide features of the Zelle service and/or to improve and customize the user experience. The information may be uploaded to our servers or it may be simply stored on your device.
   
   You can enable or disable access to this information at any time through your device settings.

Exclusion Of Warranties
Digital Banking and related documentation are provided "as is" without any warranty of any particular kind either expressed or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose.

Member Verification and Security
Your Account Number/Username and Password are required to access Arrowhead Credit Union Digital Banking functions.

You agree not to give or make available your password to any person who is not an authorized signer on this account. If you believe your password has been lost or stolen, someone has attempted to use Digital Banking without your consent, your deposit account(s) or loan accounts have been accessed, or someone has transferred funds without your permission, you must notify Arrowhead Credit Union immediately (see contact information below). Arrowhead Credit Union does not maintain a record of your password. If you lose or forget your password, you can initiate a new password by clicking the "Forgot Password" on the Digital Banking login page or contact Arrowhead Credit Union to begin the process of a new password. In certain situations, Arrowhead Credit Union may require that your account(s) be closed to prevent further information from being accessed.

In an effort to provide the highest degree of confidentiality and security, Arrowhead Credit Union requires the use of browsers that provide encryption using a 256-bit key. The higher the level of encryption, the harder it is for unauthorized people to access information. Many browser suppliers (i.e., Microsoft) offer special 256-bit encryption versions, available for download from their respective websites. Arrowhead Credit Union recommends that members protect their valuable financial information by using the most secure encryption possible.

Bill Pay Definitions

• As used in this Agreement, "Bill Pay", "Bill Payment", or "Bill Payments" is a Service offered by Arrowhead Credit Union, which allows you to schedule payments to be sent out automatically on a scheduled date. Bill Payments may be sent electronically or via paper check, depending on where and to whom they are sent.
• "Payee" refers to the company or person where Bill Pay are sent. "Payees" must be set up before a Bill Pay can be scheduled.
• "Bill Payer" is a Service provider which sends Bill Payments to the Payee.
• "Process Date" is a date selected by you when setting up a Bill Pay. It tells Arrowhead Credit Union when to debit your account and send a Bill Payment to the Payee.
• "Schedule" or "Scheduled" refers to the act of setting up a Bill Pay. To set up a new Bill Pay you are required to enter a Process Date, Payee, and other Bill Pay information.

Bill Pay Payments
Enrollment in our Bill Pay Service allows you to perform the following functions:

• Add and review Payee names and account numbers.
• Change and maintain Payees and accounts.
• Review payment history on any Payee listed.
• Schedule, maintain and review Bill Pay.

Limitations on Use of Bill Pay:

• Bill Payments must be scheduled within a Process Date of 8 business days prior to the date for delivery to the Payee for Check payments and up to 3 business days prior to the date for delivery to the Payee for Electronic payments. Business days as used in this Agreement shall mean Monday through Friday of each week excluding Saturday, Sunday, and Credit Union holidays.
• Bill Payments will not be processed if there are insufficient available funds in the account on the Scheduled Process Date.
• Arrowhead Credit Union may limit, for security reasons, the number or amount of transactions you can make using the Bill Pay feature.
• Arrowhead Credit Union may implement limits on the amounts that may be transferred to individual Payees over a specific period of time.
• View current Bill Pay limits in the Digital Banking platform.
• Certain restrictions apply to certain deposit accounts as outlined in Member Account Agreements and Disclosures brochure for those accounts. Those restrictions also apply to Bill Payments scheduled through Digital Banking.

When Bill Payments are Processed
Bill Payments will be withdrawn from the designated account on the Process Date, or the last business day preceding the
Process Date, if the Process Date falls on a Saturday, Sunday or Credit Union holiday.

Transfers Definitions

• "Transfer" and "Transfers" refers to a Service offered by Arrowhead Credit Union, which allows you to schedule Transfers to be made automatically on a Scheduled date, between accounts you have designated. These can be your Arrowhead Credit Union accounts or accounts at other financial institutions.
• "Schedule" or "Scheduled" refers to the act of setting up a Transfer. To set up a Transfer, you will enter a From Account, To Account, Amount, Frequency and Transfer Date.
• "Transfer Date" is a date selected by you when setting up a Scheduled Transfer. It is the date Arrowhead Credit Union either debits your account or requests the Transfer from your other financial institution account you designate to send funds.

Limitations on Use of Transfers:

• Transfers will not be processed if there are insufficient available funds in the account on the Scheduled Transfer Date.
• Arrowhead Credit Union may limit, for security reasons, the number or amount of Transfers you can make to or from your Arrowhead Credit Union account or other linked financial institution account.
• Arrowhead Credit Union may implement limits on the amounts that may be transferred to or from your Arrowhead Credit Union accounts or other linked financial institution account over a specific period of time.
• Certain restrictions apply to certain deposit accounts as outlined in Member Account Agreements and Disclosures brochure for those accounts. Those restrictions may apply to Transfers made through this Service.

When Transfers are Processed
Transfers will be withdrawn on the selected date or the next business day if the date falls on a Saturday, Sunday or Credit Union holiday.

Making Changes to Bill Payments and Transfers
You can make online changes to or cancel Scheduled Bill Payments and Transfers any time prior to the day the Bill Payment or Transfer is scheduled to be processed. If you write to us to change or cancel a Bill Payment or Transfer, prior to its delivery to the Payee, we must receive your request at least three (3) business days prior to the Bill Payment Process or Transfer Date. If you order us to cancel a Bill Payment or Transfer three (3) business days before the Process or Transfer Date, and we do not do so, we will be liable for your losses or damages.

Any new authorizations, changes, and all previous authorizations of recurring Bill Payments or Transfers for which there is
sufficient Payee information for the Bill Payment or Transfer to be processed will remain in effect until:

1. They are changed by you or an authorized account owner.
2. The available balance in the designated account is not sufficient to cover the Bill Payment or Transfer.
3. The designated account is closed.

If any of the above conditions occur, or if there is insufficient information for the Bill Payment or Transfer to be processed, Arrowhead Credit Union will not be obligated to make the Bill Payment or Transfer.

In the event Arrowhead Credit Union receives instructions for multiple Bill Payments and Transfers in one transmission and funds are sufficient to pay some, but not all of the Bill Payments or Transfers, Arrowhead Credit Union will cause the Transfers to be made first, followed by the Bill Payments, in the order of largest item to smallest item scheduled for the day. We will retry insufficient funds Bill Pay during the same business day the first attempt was made. If within that time the Bill Payment cannot be made, it will be deemed cancelled. If the available balance in the designated account is not sufficient to cover the Bill Payment or Transfer, a fee may be assessed.

Resolution for Payments Not Received by the Payee
You agree to notify us as soon as possible of any Bill Payments or Transfers not received by the Payee. However, claims on individual payments may be subject to a ten (10) business day waiting period (days on which Arrowhead Credit Union is not authorized or required to be closed for business by Federal or California law) after the date that the Bill Payment or Transfer was due to arrive and be posted at the payee, before an inquiry can be presented on your behalf.

Call us at: (800) 743-7228, Monday through Friday from 8:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM;

or submit a Secure Message through Digital Banking;

or write to:
Arrowhead Credit Union
ATTN: Account Administration
PO Box 4100
Rancho Cucamonga, CA 91729

Payment Disclosure
You authorize Arrowhead Credit Union (ACU) to initiate debit and credit entries via Electronic Funds Transfer through the Automated Clearing House (EFT-ACH) on your account at the financial institution indicated in your transaction. You further authorize ACU to perform any necessary correction entries, as needed, to your account at the financial institution to process your transaction. You understand and agree that you must allow 3 business days to process the EFT-ACH entry for your account.

You understand and agree that if your account at the financial institution does not have sufficient funds, ACU will not be responsible or liable for any penalties or charges assessed by any other financial institution as a result of such insufficiency. You acknowledge that in the event ACU is unable to process your transaction via EFT-ACH, you are responsible for making your transfer by other means.

You understand and agree that ACU will assess a fee to your account, as disclosed in our Schedule of Fees, in addition to any other fees and/or charges, as a result of insufficient funds at the other financial institution. You understand and agree that this authorization will remain in full force and effect until ACU receives written notification from you of its termination in such time and in such manner as to afford ACU a reasonable opportunity to act on it.

Our Liability for Failure to Complete Transactions
We will process and complete all transfers and payments properly initiated through Digital Banking in accordance with the terms of this Agreement. If we do not complete a transfer to or from your account on time or in the correct amount under the terms of this Agreement, we will be liable for your losses or damages, subject to the Limitation of Liability provisions herein. However, we will not be liable if:

1. Through no fault of ours, you do not have enough available funds in your account(s) to make the transfer.
2. The transfer would go over the credit limit on your overdraft line.
3. Digital Banking, or your Device is not working properly, and you knew about the malfunction at the time of the transfer.
4. A Payee mishandles or delays in handling payments sent by us.
5. You have not provided us with the correct Payee name, address, phone number, account number, payment amount or other pertinent payment information.
6. Circumstances beyond our control (such as fire, flood, telecommunications, power failures, or delay in the U.S. Mail) prevent the proper completion of the transaction despite reasonable precautions by us to avoid these circumstances.
7. There may be other exceptions stated in our Agreement with you.

Limitation of Liability
Unless otherwise required by law, the liability of Arrowhead Credit Union hereunder shall be limited to interest on the amount that was not paid or transferred in a timely manner from the date the transfer was instructed to occur to the date the transfer actually occurred or the payment instructions were cancelled. If an erroneous payment or transfer was made, or if an unauthorized transfer was made after we have received and had reasonable opportunity to act upon notice of such unauthorized transfer, our liability shall be limited to a refund of the erroneously paid amount plus daily interest up to sixty (60) calendar days. Interest paid under this section shall be calculated at the current interest rate being paid on the account.

IN NO EVENT WILL ARROWHEAD CREDIT UNION BE LIABLE FOR SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR ATTORNEY'S FEES EVEN IF ARROWHEAD CREDIT UNION WAS ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

Statement
Your payments and funds transfers made through Digital Banking will appear on your monthly account statement(s). You agree to notify us promptly if you believe there are any errors or unauthorized transactions on any statement, or statement information. See your Arrowhead Credit Union Member Account Agreements and Disclosures brochure for further information regarding reporting errors on your statement.

Notice of Incomplete Transactions
You agree to notify us promptly if you receive a notice from a Payee or other institution that a payment or transfer you made through Digital Banking has not been completed or remains unpaid.

Your Liability for Unauthorized Payments
Tell us at once if you believe your password has been stolen, or your account number(s) has been lost or stolen, or if you believe your account(s) has been accessed and/or someone has performed an unauthorized transaction from your account(s). You could lose all the money in your account(s) plus your maximum overdraft line of credit, if any, through an unauthorized transaction or payment. Notifying Arrowhead Credit Union by telephone is the best and fastest way of keeping your possible losses down. If you notify Arrowhead Credit Union within two (2) business days of learning of a loss or theft, your maximum liability will be $50.00. If you do not tell us within two (2) business days after you learn of the loss, and we can prove we could have stopped someone from accessing your account(s) without your permission if you had notified us, then you could lose as much as $500.00. Also, if your statement shows transactions or payments that you did not make or authorize, please tell us immediately. If you do not tell us within sixty (60) calendar days after the statement was mailed, you may not get back any of the money you lost if we can prove that we could have stopped the unauthorized transaction(s) or payment(s) if you had notified us in time. If a good reason kept you from telling us, we will extend the time period. If you believe your password has been stolen, or that someone has transferred or may transfer money from your account(s) without your permission,

Call us at: (800) 743-7228, Monday through Friday from 8:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM;

or submit a Secure Message through Digital Banking;

or write to:
Arrowhead Credit Union
ATTN: Account Administration
PO Box 4100
Rancho Cucamonga, CA 91729

You agree to assist Arrowhead Credit Union in its efforts to recover any funds that were transferred or paid without your permission or consent. For more information, refer to your Arrowhead Credit Union Member Account Agreements and Disclosures brochure.

Errors And Questions
In case of errors or questions about Digital Banking, banking transactions, or payments, you must notify us at once,
Call us at: (800) 743-7228, Monday through Friday from 8:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM;

or submit a Secure Message through Digital Banking;

or write to:
Arrowhead Credit Union
ATTN: Account Administration
PO Box 4100
Rancho Cucamonga, CA 91729

We must hear from you no later than SIXTY (60) calendar days after we send you the first statement on which the problem or error appeared. For all errors, you must:

1. Tell us your name, account number(s), loan number(s) (if applicable), and address;
2. Describe the error about which you are unsure, 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, we may require that you send your complaint or question, in writing, within ten (10) business days. We will tell you the results of our investigation within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any errors found promptly. If we need more time, however, we may take up to forty-five (45) calendar days (ninety (90) calendar days for new accounts) to investigate the complaint or question. If we decide to do this, we will 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 for 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, Arrowhead Credit Union may not re-credit your account.
   
   If Arrowhead Credit Union determines there was no error, we will mail you a written explanation within three (3) business days after we finish the investigation. You may request copies of the documents that we used in our investigation. For more information refer to the Arrowhead Credit Union Electronic Fund Transfer Act Disclosure statement.

No Signature Required
When using Digital Banking to conduct banking transactions or to pay bills, you agree that Arrowhead Credit Union may debit your account to complete the Digital Banking transactions, pay bills, or honor debits which you have not signed.

Disclosure Of Account Information to Third Parties
We will disclose information to third parties about your account and Digital Banking transaction(s) or the payment(s) you
make only in the following situations:

1. Where it is necessary for completing Digital Banking transactions.
2. In order to verify the existence and condition of your account(s) to a third party, such as a credit bureau.
3. In order to comply with laws, government agency rules or orders, court orders, or officials having legal authority to request such information.
4. If Arrowhead Credit Union has entered into an agreement to have another party provide Digital Banking.
5. If you give us your written permission. or
6. In connection with Arrowhead Credit Union' collection efforts. Arrowhead Credit Union also reserves the right to disclose information about your account(s), Digital Banking transactions, and payments to affiliated companies at our discretion, absent your written objection to the contrary. For more information, please refer to our Privacy Policy.

Charges
Digital Banking fees are subject to change. NOTE: Deposit Account / Loan Account fees and charges still apply. Refer to the most current Arrowhead Credit Union Schedule of Fees.

Alterations and Amendments
The terms of this Agreement, applicable fees, and service charges may be altered or amended from time to time by Arrowhead Credit Union. In such event, Arrowhead Credit Union shall send notice to you. Further, Arrowhead Credit Union may, from time to time, revise or update the Arrowhead Credit Union program, services, and/or related material(s) rendering prior versions obsolete. If that happens, Arrowhead Credit Union shall send notice to you. Consequently, Arrowhead Credit Union reserves the right to terminate this Agreement as to all such prior versions of the Arrowhead Credit Union programs, services, and/or related material(s) and limit access to Arrowhead Credit Union's more recent versions and updates.

Use of Digital Banking constitutes agreement by you to receive any notices and/or changes electronically. Any continuation of Digital Banking after Arrowhead Credit Union sends you a notice of change(s) will constitute your agreement to such change(s).

Termination Or Discontinuation of Digital Banking
Arrowhead Credit Union has the right to terminate this Agreement at any time. We may send you a notice of any termination, but we are not required to do so unless applicable law requires such prior notice. Once we terminate this Agreement, no further transfers or payments may be made, including but not limited to, any payments or transfers scheduled in advance or any recurring payments or transfers.

You may un-enroll from Bill Pay at any time online through Digital Banking or you may terminate Digital Banking at any time by signed written notice to Arrowhead Credit Union. However, any instructions from you to make payments or transfers will continue to be in effect until we have received such written notice of termination and have a reasonable opportunity to act upon it. Once we have acted upon your notice, no further transfers or payments will be made, including but not limited to, any payments or transfers scheduled in advance or any recurring payments or transfers. You may wish to cancel all payment instructions in advance of termination. Any such termination by you applies only to Arrowhead Credit Union Digital Banking. Note: Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Disputes
In the event of a dispute regarding Digital Banking, you and Arrowhead Credit Union 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 Arrowhead Credit Union, which supersedes any proposal or prior Agreement, oral or written, and any communication between you and Arrowhead Credit Union relating to the subject matter of this Agreement. If there is a conflict between what one of Arrowhead Credit Union's employees says and the terms of this Agreement, the terms of this Agreement shall control.

Indemnity
You agree to indemnify, defend and hold Arrowhead Credit Union harmless from and against any and all liabilities, cost, losses, damages, judgments, fines, demands, claims, recoveries, and expenses arising directly or indirectly out of your use of the products and services provided hereunder.

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

Arbitration
In the event of any dispute arising out of this Agreement, you agree to submit the dispute to binding arbitration under the American Arbitration Association rules.

Assignment
You may not assign this Agreement to any other party. Arrowhead Credit Union may assign this Agreement to any present or future, directly or indirectly, affiliated company. Arrowhead Credit Union may also assign or delegate its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver
Arrowhead Credit Union shall not be deemed to have waived any of its rights or remedies hereunder unless such a waiver is in writing and signed by Arrowhead Credit Union. No delay or omission on the part of Arrowhead Credit Union in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions
The captions of the sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Law
Regardless of where you live or work or where you access Arrowhead Credit Union Digital Banking System, this Agreement is subject to the laws of the State of California where we hold your deposit account(s) or loan account(s), and by applicable Federal laws and regulations.

4/2024