"FIRE OnLine" Banking Service

Disclosure and Agreement

The following provisions of use of the "FIRE OnLine" Banking Service (referred to as the "Service") constitute an amendment to the agreements and disclosures contained in the Truth In Savings Agreement (referred to as "TIS Agreement") entitled "About Your Credit Union Accounts" of the Firefighters First Credit Union (hereinafter referred to as "we", "our", "us", FIREFIGHTERS FIRST CREDIT UNION, and "Credit Union") concerning Internet account access including electronic bill payment (referred to as "Bill Pay")and the electronic delivery of account statements (referred to as "E-Statements") and informational e-mail alert notices (referred to as "411 Alerts")and account-related disclosures and notices (referred to as "E-Notices")concerning your accounts, including time deposits, maintained by any individual, corporation, partnership, association, or other legal entity who use the Service (herein referred to as "you", "your," and "yours"). To the extent there is any conflict between any statement made in this Agreement (the "Agreement") and the TIS Agreement, this Agreement shall prevail.

Except as otherwise specifically provided in this Agreement, the TIS Agreement, including the Firefighters First Credit Union's Electronic Fund Transfer Disclosure and Agreement, will remain unchanged and in full effect, and you will be bound by, and must comply with, all of the terms and provisions thereof, as amended by this Agreement.

This Disclosure and Agreement is given to you in compliance with the Electronic Funds Transfer Act (15 U.S.C. Section 1693, et seq.), Regulation E (12 CFR 205, et seq.), and the federal ESIGN Act (15 U.S.C. Section 7001, et. seq.) to inform you of certain terms and conditions of the "FIRE OnLine" Personal Computer Banking Service.

General Disclosures Applicable to "FIRE Online" Personal Computer Banking, Bill Pay, and "E-Statements and E-Notices" Services

1. CONSENT TO RECEIVE DISCLOSURES ELECTRONICALLY

By using, or allowing another to use, the "FIRE OnLine" Personal Computer Banking Service, you are consenting (initially and on an ongoing basis) to: (1) the electronic delivery of this Disclosure and Agreement and the electronic delivery of any other subsequent disclosure of information related to the "FIRE OnLine" Personal Computer Banking Service (collectively "Disclosures"); and (2) the provision to you, on an ongoing basis, of the "FIRE OnLine" Personal Computer Banking Service, subject to the Terms and Conditions of this Disclosure and Agreement. To obtain paper copies of the Disclosures, you may write to us with the details of your request at: Firefighters First Credit Union, P.O. Box 60890, Los Angeles, CA 90060-0890. You understand that if you request a paper copy of this "FIRE OnLine" Personal Computer Banking Service Disclosure and Agreement, it will be provided to you at no charge.

2. MINIMUM SYSTEM REQUIREMENTS

In order to use the "FIRE OnLine" Personal Computer Banking Service to receive and review Disclosures and notices electronically and conduct electronic transactions, the following computer system requirements must be satisfied:

If you are not using one of the supported browsers listed above, you may encounter issues within your online banking experience. We recommend switching to one of the supported browsers listed above in order to ensure you have an optimal Online Banking experience.

In addition, you must have and maintain a printer capable of printing any Disclosures and notices that are e-mailed to you and/or made available on our Web site. In the alternative, you must have and maintain the ability to electronically save and visually display on your computer screen any Disclosures, statements and notices that are e-mailed to you and/or made available on our Web site.

YOU understand that the Credit Union does not make any warranties on equipment, hardware, software or Internet Provider Service, or any part of them, expressed or implied, including, without limitation, any warranties of merchantability or fitness for a particular purpose. The Credit Union is not responsible for any loss, injury or damages, whether direct, indirect, special or consequential, caused by the Internet Provider, any related software, or the Credit Union's use of any of them or arising in any way from the installation, use, or maintenance of YOUR personal computer hardware, software, or other equipment.

3. SECURITY MEASURES

We will use commercially reasonable measures, consistent with industry standards, to maintain a reasonable level of security over the information contained in the "FIRE OnLine" Personal Computer Banking Service including, but not limited to, your E-Statements, 411 Alerts, and E-Notices and your bill payments. Upon your election of E-Statements and E-Notices Services, we will "prenote" your E-mail address by sending you an E-mail with a service activation code number, and require you to enter this activation code in order to activate your Services. Our security consists of 128-bit encryption of the data on the E-Statements and all other account-related disclosures and notices and bill payments to protect them while in transit over the Internet.

You understand that these industry standards are dynamic and constantly developing. By accepting this enrollment agreement for the Service, you acknowledge and understand that there are risks to electronic delivery of services, including, but not limited to, delay or failure of delivery due to technical difficulties, weather conditions (including but not limited to sun spots), matters beyond our reasonable control or interception, and/or alteration of your E-Statements, 411 Alerts, E-Notices and bill payments by third parties in spite of the Credit Union's commercially reasonable security measures. By accepting this enrollment agreement for the Service, you represent that you have considered our security measures and acknowledge that our security measures are commercially reasonable. In entering this Agreement, you have considered the historical and potential future content of your Services, the risks associated with electronic delivery of your E-Statements, 411 Alerts, and E-Notices and our security procedures. If you subsequently decide that our security procedures cease to be commercially reasonable in the future, you must terminate this Agreement immediately.

4. CHANGE OF PERSONAL INFORMATION

Any change of postal or address of record, phone records or other changes may be made through the "FIRE OnLine" Personal Computer Banking Service. You must notify us of such changes immediately. Any such

changes may also be made in person or in writing sent to our postal address.

5. E-MAIL ADDRESS

We will send E-Statements, 411 Alerts, and E-Notices (account-related disclosures and notices) to you via E-mail to the last known E-mail address provided and verified by you in the E-Statements and/or E-Notices Services (as per the requirements of the set-up process).

You agree to provide a valid E-mail address for services used and it is your responsibility to update your E-mail address if there are any changes. For E-Statement, 411 Alerts and E-Notices, your E-mail address may be activated immediately by clicking on the "Activate Now" link in the activation e-mail we send to you, or you may activate the E-mail address at a later time by clicking on the "Proceed I will Activate Later" button; however, if you elect to activate the new address at a later time, you will not receive any E-Statements, 411 Alerts or E-Notices to the new address until the address is activated.

You also agree to maintain a valid E-mail address for "FIRE OnLine" Personal Computer Banking and Bill Pay services. Your E-mail address will be activated immediately for Internet Account access and for Bill Pay service and you will receive a confirmation e-mail after your enrollment request. You may change your E-mail address for Internet Account access and Bill Pay Services by clicking on the "User Options" link and clicking on the "E-Mail Address" option.

For your protection and for security purposes, we will not accept any change of address via E-mail or telephone. If you have not notified us of any change to your address, you agree that your failure to provide us with your valid address is the lack of ordinary care on your part. If you have a "joint account" as defined in the TIS Agreement, your address may be changed by any authorized party to your account. We shall have no obligation or liability to any of the parties to a joint account if the address is changed using the procedures set forth above.

6. WITHDRAWAL OF CONSENT

You understand that you may withdraw your consent to receive E-Statements and E-Notices Disclosures electronically at any time by clicking on the "E-Statements & E-Notices" tab through "FIRE OnLine" Banking and selecting the "Cancel Service" tab to stop all Disclosures for these services (E-Statements and 411 Alerts, and E-Notices). You understand that upon termination of E-Statements, 411 Alerts and E-Notices services, all statements, notices and disclosures associated with your account will revert back to paper delivery via U.S. postal service and you will no longer receive 411 Alerts.

You may also withdraw your consent to receive Internet Account access and Bill Pay Services Disclosures by notifying us in writing at Firefighters First Credit Union, P.O. Box 60890, Los Angeles, CA 90060-0890. The electronic Disclosures for "FIRE OnLine" Personal Computer Banking and Bill Pay Services will be terminated within a reasonable time thereafter when we have had an opportunity to act on your instructions.

7. COPY RECEIVED

You acknowledge receipt of an electronic copy of this Disclosure and Agreement. We recommend that you print and retain a copy of this Disclosure and Agreement for your records. You may obtain additional copies of this Disclosure and Agreement by contacting the Credit Union.

You may print a record of any individual transaction conducted through the "FIRE OnLine" Personal Computer Banking Service at any time after the transaction is completed.

"FIRE OnLine" Personal Computer Banking Service

Electronic Funds Transfer Disclosure and Agreement

This "FIRE OnLine" Personal Computer Banking Service Electronic Fund Transfers Disclosure and Agreement as amended from time to time ("Agreement") sets forth the terms and conditions governing the use of Firefighters First Credit Union's "FIRE OnLine" Personal Computer Banking Service

Electronic "Internet Account Access", "Bill Pay", "E-Statements" and "411 Alerts" and "E-Notices" services (collectively "FIRE OnLine" Personal Computer Banking Service). Disclosure information that applies to the "FIRE OnLine" Personal Computer Banking Service offered by Firefighters First Credit Union is given below. Please read this Agreement completely and retain it with your personal records. By using or allowing another person to use the "FIRE OnLine" Personal Computer Banking Service, you are agreeing to be bound by the terms and conditions of this Agreement. This Agreement is incorporated by this reference and becomes a part of Firefighters First Credit Union's Electronic Fund Transfer Disclosure and Agreement. All other terms and conditions of our Electronic Fund Transfers Disclosure and Agreement, as amended, remain in force.

1. RIGHT TO RECEIVE DOCUMENTATION OF TRANSACTIONS
You will receive a monthly account statement reflecting all of your transactions unless there is no activity in a particular month. In any case you will receive a statement at least quarterly. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (323)254-1700 or (800)231-1626 or Telephone Banking at (800)322-8843 or check your account in "FIRE OnLine" Personal Computer Banking Service to find out whether or not the deposit has been made.

2. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS
Tell us AT ONCE if you believe your access code 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 you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone used your code without your permission.

If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your code, and we can prove that we could have stopped someone from using your code without your permission if you had told us, you could lose as much as five-hundred dollars ($500.00).

Also, if your statement shows transactions 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 after the sixty (60) days 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 a long trip or hospital stay) kept you from telling us, we will extend the time periods.

3. HOW TO NOTIFY THE CREDIT UNION IN THE EVENT OF AN UNAUTHORIZED TRANSACTION
If you believe your access code has been lost or stolen or someone has transferred or may transfer money from your account without your permission, call us at (323) 254-1700 or (800) 231-1626, visit a regional office, or write to us at P.O. Box 60890, Los Angeles, CA 90060-0890.

4. BUSINESS DAYS
For purposes of these disclosures, our business days are Monday through Friday, excluding holidays. Our call center business hours are 7:00 am to 4:30 pm Pacific Time (PST) each business day. Our regional office hours are 7:00 am to 4:00 pm Pacific Time each business day.

5. ONLINE PASSWORD

If you're a first time user, please login using your member number and temporary password provided in the welcome letter. Confirm your personal information and accept the disclosure agreement. You will be prompted to register a security contact, such as a phone number and/or email, to receive a one-time passcode. Lastly, a username and password must be chosen before accessing "FIRE OnLine". Please note, our telephone banking PIN is not used to access Fire OnLine.

If you forget your Username or Password, you will be able to access the Service upon selecting "Forgot Password" and entering your username and phone number. You must enter the temporary password that is provided in order to access "Fire OnLine". " When you or any authorized user access the Service using your Password, you authorize FIREFIGHTERS FIRST CREDIT UNION to follow the instructions we receive concerning your accounts and to credit and charge your accounts according to those instructions. Since your password protects access to your accounts, you agree that you will not share your password or make it available to any unauthorized individual. If you do share your password or make it available to another individual, you authorize that individual to access your accounts and give us instructions relating to your accounts as an authorized user. You also authorize us to comply with those instructions even if that individual exceeds your authorization. If you share your password with another individual the only way that you can restore the security of your account is to change your password.

6. OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS
If we do not complete a transaction to or from your accounts 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:

There may be other exceptions not specifically mentioned above.

7. FEES AND CHARGES
All fees and charges associated with our "FIRE OnLine" Personal Computer Banking Services are disclosed in our Fee Schedule which you can access here Fee Schedule.

8. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers you make:

  1. when it is necessary to complete the transaction; or
  2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  3. in order to comply with government agency or court orders or other legal process; or
  4. if you give us your prior written permission.

9. ADDRESS CHANGE
You are required to keep the Credit Union informed of your current address to ensure correct mailing of correspondence from the Credit Union (e.g., if you terminate E-Statements and/or E-Notices Services). You must also keep the Credit Union informed of your current telephone number and E-mail address.

10. AMENDMENTS
We may change the terms and conditions set forth in this Agreement by notifying you of such change via E-mail to your E-mail address of record with the Credit Union at least twenty-one (21) days prior to the effective date of any change, if the change results in greater cost or liability to you or decreases access to your accounts. Prior notice may not be given where an immediate change in terms or conditions is necessary to maintain the integrity of the system and/or the security of our "FIRE OnLine" Personal Computer Banking Service or designated accounts.

11. COLLECTION COSTS
You agree to pay the Credit Union our reasonable expenses, including court costs and attorneys' fees, for enforcing our rights under this Agreement.

12. ADDITIONAL BENEFIT ENHANCEMENTS
The Credit Union may from time to time offer additional services to you in connection with your accounts. Some services may be at no additional cost to you and others may involve a specified fee. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.

13. RESERVATION OF RIGHTS
Failure or delay by the Credit Union to enforce any provision of this Agreement or to exercise any right or remedy available under this Agreement, or at law, shall not be deemed a waiver and the Credit Union expressly reserves the right to enforce such provision, or to exercise such right or remedy, at a later date.

14. OTHER AGREEMENTS
Except as stated otherwise in the Agreement, this Agreement does not alter or amend any of the terms or conditions of any other agreement you may have with the Credit Union.

15. SEVERABILITY
If any part of this Agreement should be held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.

16. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Telephone us at (323) 254-1700 or (800) 231-1626 or write to us at P.O. Box 60890, Los Angeles, CA 90060-0890, or E-mail us at msdept@Firefightersfirstcu.org as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within ten (10)business days 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 to investigate your 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 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 may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

17. RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS, RIGHT TO RECEIVE NOTICE OF VARYING AMOUNTS, AND OUR LIABILITY FOR FAILURE TO STOP PAYMENT

18. LIABILITY; INDEMNIFICATION

You understand and agree that we shall be responsible only for providing the Services as expressly provided for in this Agreement. We may be liable only for material losses that are the direct result of our own gross negligence or intentional misconduct in providing such Services. We shall have no liability for failure to perform any Services or for any disruption or delay in performing Services in the event such failure, disruption, or delay is due to circumstances beyond our reasonable control, including, but not limited to, failure or disruption of electric power, computer equipment, telecommunications systems, your ISP, or weather conditions. WE SHALL HAVE NO LIABILITY FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE, OR INDIRECT DAMAGES OR LOSS UNDER ANY CIRCUMSTANCES. Except to the extent that we are liable under this Agreement, you agree to indemnify and hold us and our directors, officers, employees, and agents harmless from all claims, demands, judgments, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with the performance of these Services. You agree that this indemnification shall survive the termination of this Agreement.

19. TERMINATION
You may terminate this Agreement with us at any time. The Credit Union reserves the right to terminate this Agreement and/or your use of "FIRE OnLine" Personal Computer Banking Service with or without cause. We may do so immediately if:

This Agreement shall remain in full force and effect until it is terminated by either party upon thirty (30) days prior notice to the other party. You may withdraw your consent to receive electronic disclosures as specified in the "Withdrawal of Consent" section of this Agreement. You may terminate your "FIRE OnLine" Personal Computer Banking Service by notifying us in writing at: Firefighters First Credit Union, P.O. Box 60890, Los Angeles, CA 90060-0890.

We also have the right to terminate this Agreement immediately, with or without cause, or if you fail to comply with the terms of this Agreement or any other agreement which you may have with us or any applicable rule or regulation which may govern your account(s), including the TIS Agreement. If we terminate this Agreement, such termination shall be effective on the effective date specified in a written notice mailed to you, and not on the date when the notice is mailed or received.

You understand and agree that termination of the "FIRE Online" Personal Computer Banking Service will result in termination of the Bill Pay and the "E-Statements and E-Notices" Services.

20. GOVERNING LAW/JURISDICTION/SEVERABILITY

This Agreement shall be governed by and interpreted in accordance with the laws of the State of California and any applicable Federal laws and regulations. You irrevocably submit to the jurisdiction of any Federal or State court sitting in the State of California for any action that you bring and agree that, in any action brought under this Agreement, venue shall be placed in Los Angeles County. A determination that any part of this Agreement is invalid or unenforceable will not affect the remainder of this Agreement.

Additional Disclosures Applicable to "FIRE OnLine" Personal Computer
Banking Service Internet Account Access

1. ENROLLMENT REQUIREMENTS AND PERSONAL IDENTIFICATION NUMBER/PASSWORD

To register for "FIRE OnLine" Personal Computer Banking Service, you must have a Credit Union Personal Identification Number (PIN), computer, modem, Internet Service, and a browser. Enter your Member Number (Share/Savings Account number) and your PIN on the "FIRE OnLine" Personal Computer Banking Service Log In screen on our web site. We will verify this information and if the information is entered correctly, you will be logged into "FIRE OnLine".

2. TRANSACTIONS AVAILABLE WITH "FIRE ONLINE" PERSONAL COMPUTER

BANKING SERVICE INTERNET ACCOUNT ACCESS
You may use your "FIRE OnLine" Personal Computer Banking Service to perform the following transactions:

All transactions are subject to later verification by us.

3. "FIRE ONLINE" PERSONAL COMPUTER BANKING SERVICE INTERNET ACCOUNT ACCESS LIMITATIONS

Additional Disclosures Applicable to "Bill Pay" Service

1. USE OF A THIRD PARTY "BILL PAY" SERVICE PROVIDER

The Firefighters First Credit Union has contracted with FIS (Bill Pay) as our third party Bill Pay Service provider to provide bill payment service to our members. FIS (Bill Pay) will be processing your bill payments and providing information about your account to the Credit Union, related to your bill payments. FIS (Bill Pay) uses two types of remittance methods to pay bills; Payments may be remitted electronically or by paper check, depending upon the preferences and capabilities of the merchant (Payee).

FIREFIGHTERS FIRST CREDIT UNION, at its sole discretion, reserves the right to change Bill Pay Service providers. FIS (Bill Pay) reserves the right to refuse enrollment in bill pay service to any member who does not meet the criteria which has been established by the Credit Union and/or FIS (Bill Pay).

2. TRANSACTIONS AVAILABLE WITH "BILL PAY"

You may use your "FIRE OnLine" Personal Computer Banking Service to perform the following transactions:

3. "BILL PAY" SERVICE LIMITATIONS
The following are limitations to the use of the Credit Union's "Bill Pay" Service:

4. "BILL PAY" METHODS AND RESTRICTIONS
Payments are made to your payee either electronically via the Automated Clearing House (ACH) or by check. The method of payment depends upon the processing method that can be accommodated by the payee or by our bill payment service provider. In some instances the payee address may be changed by our service provider, without notification, to facilitate payment.

It is important that you take into consideration what method of bill payment will be used when scheduling bill payments to ensure payment deadlines are met. If the payee accepts electronic bill payment, the payment may take up to (4) four business days to process. If the payee does not accept electronic bill payment, the payment will be sent in a check form, and may take up to ten (10) business days to process.

All payments you make through Bill Pay will be deducted from your designated Checking Account. Any payee you wish to pay through Bill Pay must be payable in U. S. Dollars. Each payee must appear on the payee list you create with us and the account you are paying must be in your name.

5. "BILL PAY" TRANSACTIONS
For all payments, you agree to allow at least (3) business days for an electronic payee and five (5) business days if the payee is paid by check, between the date you schedule a payment to be initiated and the payment due date ("Delivery By"); the due date shown on your invoice/bill. If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, but the payee does not receive the payment in a timely manner, or if you need to place a stop payment on a check, request a copy of a check, research a past payment or require other types of assistance, please contact the Credit Union during business hours. There is a research fee that will be charged pursuant to our current Fee Schedule for each transaction research request.

Bill payments are processed on all days excluding Sundays and Federal Reserve Bank recognized holidays. In cases where a payment gets scheduled on a Sunday (this can potentially happen on a recurring payment), the payment is processed on the day before (Saturday). If you happen to be setting up the payment on a particular Saturday, the bill payment will be processed on the next banking business day. If the bill payment falls on a Federal Reserve Bank holiday, the payment is processed on the following banking business day. Weekly recurring payments may not be scheduled on Saturdays. The Scheduling Deadline for entering a payment to be included in the following day's processing is 6:00 pm Pacific Standard Time. If the attempt to schedule a payment occurs after this time, the payment will be processed two (2) days later.

FIS (Bill Pay) is responsible only for exercising ordinary care in making payments upon your authorization and for mailing or sending a payment to the designated merchant in accordance with this Agreement. The Credit Union and FIS (Bill Pay) are not liable for any damages you incur if you do not have sufficient funds in your Account(s) to make the payment on the processing date, if the estimated time to allow for delivery to the payee is inaccurate, or due to delays in mail delivery, changes of merchant address or account number, the failure of any merchant to account correctly for the payment in a timely manner, or for any other circumstances beyond the control of the Credit Union or our service provider.

6. "BILL PAY" SERVICE RESPONSIBILITIES
You are responsible for:

7. STOPPING "BILL PAY" TRANSACTIONS

Stop payment requests can only be placed on check processed payments. You will be charged a research fee pursuant to our current Fee Schedule for each check payment that you request to be stopped. In order to request a stop payment on a check payment, you must contact a Credit Union Member Service Representative at 1-800-231-1626 during business hours which are Monday - Friday between 7:00 am and 4:30 pm Pacific Time. Stop payments cannot be placed on any electronically processed payment transactions.

8. IN THE EVENT A "BILL PAY" TRANSACTION IS RETURNED AND/OR OVERDRAWS YOUR PAYMENT ACCOUNT

In using the service, you are requesting the system to make payments for you from your designated payment account. If we are unable to complete the transaction for any reason associated with your payment account (for example, there are not sufficient funds in the payment account to cover the transaction), the transaction may not be completed. For check processed payments of less than $500, the payment will be re-submitted up to two (2) times before your account is put into a collection status by FIS (Bill Pay). For check processed payments of $500 or more, a stop payment will be automatically placed on the item, and the payment must be re-scheduled for payment. In some instances you will receive a return notice; in these cases you agree that a non-sufficient funds (NSF) fee will be charged in accordance with the Credit Union's established Fee Schedule. Further, you also agree that an NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your payment account. By enrolling for and using this Bill Pay service you agree that Firefighters First Credit Union has the right to collect funds from all of your share accounts as well as the available balance on your personal line of credit account(s) to recover funds for all payments that have been requested to be paid by you and your authorized user(s); this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.

You understand and agree that, in all cases when your designated account lacks sufficient funds to process a Bill Pay transaction, you are responsible for either making alternate arrangements for the payment, or rescheduling the payment through Bill Payment service. Insufficient available funds will prevent us from making more payments until resolved. You authorize us, and any third-party acting on our behalf, to choose the most effective method to process your payments. You will receive a transaction confirmation number for each properly instructed payment. Unless you receive a confirmation number, we shall not be liable for any failure to make a payment.

Insufficient available funds will cause your access to Bill Pay to be blocked and prevent you from making any payments through the service until the matter is resolved. This may take a minimum of five (5) business days after funds have been successfully withdrawn from your designated payment account, a stop payment has been placed on the payment (in the case of check payments only), or FIS (Bill Pay) has been reimbursed by the payee. You may contact us directly once the payment has been withdrawn from your payment account to request that the block be removed. In this case, access to Bill Pay may be restored in as little as one (1) business day. Any scheduled or recurring payments that are to be sent during the time your access to Bill Pay service is blocked will not be processed. You will need to make alternate arrangements for these transactions or reschedule them once your account is unblocked.

9. TERMINATION OF "BILL PAY" SERVICE

In order for you to discontinue Bill Pay service, you must contact Firefighters First Credit Union by telephone at 800-231-1626 or by mail to: Firefighters First Credit Union, P.O. Box 60890 Los Angeles, CA, 90060-0890.

You will be responsible for all payment instructions made prior to the termination and for any other applicable charges and fees. You must cancel all outstanding payment orders with the payee(s) before notifying us to terminate service.

Additional Disclosures Applicable to "E-Statements and E-Notices" Services

1. CONSENT TO RECEIVE ACCOUNT STATEMENTS AND ACCOUNT-RELATED NOTICES ELECTRONICALLY

You agree to the terms and conditions of this Agreement and consent (initially and on an ongoing basis) to receive in electronic format (a) your account statements (E-Statements); (b) the informational notices you may choose to receive about your accounts from time to time (411 Alerts); and (c) all other account-related disclosures and notices (E-Notices), including, but not limited to, the following: (i) Share Account-related activity such as non-sufficient funds, overdrawn account, overdraft protection services, account warnings, etc.; (ii) Loan Account-related activity such as credit limit increases or decreases, overlimit, delinquency, notification of adverse action, etc.; (iii) Account-related services such as ATM, Check Card, "Bill Pay", "FIRE OnLine", loan payment protection, collateral protection, etc.; (iv) Share Certificate account maturity; (v) Change in Terms; and (vi) marketing materials (at our discretion) and (vii) any other disclosures or notices required by law or regulation, including without limitation the Truth-in-Lending Act, Electronic Funds Transfer Act, and the Truth-in-Savings Act. In order to receive 411 Alerts, you must be enrolled in our E-Statements and E-Notices Services.

If you agree to the terms of this Agreement, all account-related disclosures and notices, including, but not limited to, paper statements associated with your accounts will no longer be mailed via U.S. postal service. However, you may still obtain a paper copy of such disclosures by contacting the Credit Union.

You understand and agree that by accepting the terms of this Agreement, you will receive all further statements and notices from us electronically, in the form of E-Statements and E-Notices.

You understand and agree that, in accordance with the "Withdrawal of Consent" section of this Agreement, you may terminate the "E-Statements and E-Notices" Services separately from the "FIRE Online" Personal Computer Banking or Bill Pay Services.

PLEASE NOTE THAT IN ORDER TO USE "FIRE ONLINE" PERSONAL COMPUTER BANKING SERVICES, YOU MUST AGREE TO THE FOREGOING TERMS & CONDITIONS. PLEASE "CLICK" ON THE "ACCEPT" BUTTON BELOW, IF YOU ACCEPT THE FOREGOING TERMS AND CONDITIONS.

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT.

3/31/14