1. Home Financial Services. Upon approval, you may use your personal computer to access your accounts. You must use your PIN code to initially access your accounts. At this initial access, you will immediately need to change this password. You will need a personal computer and access to the Internet (World Wide Web). You are responsible for the installation, maintenance and operation of your computer. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. At the present time, you may use the Home Financial Services service to:
   • Transfer funds between your savings and checking accounts.
   • Transfer funds from savings and checking to make consumer and home equity loan payments.
   • Review account balance and transaction history for your savings, checking, Christmas club, certificate of deposit, IRA, consumer loans, and home equity loans.
   • Review information on your loan account including payoff amounts, due dates, finance charges, and balance information.

2. Home Financial Services Service Limitations. The following limitations on Home Financial Services transactions may apply:

a.    Transfers. You may make funds transfers among your accounts within the same member number as often as you like, with the following exceptions:

You may transfer or withdraw up to the available balance in your account, except as limited under this Agreement or your deposit agreements. The Credit Union 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.

c.   E-Mail. The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at the telephone number set forth in Section 4.

5. Business Days. Our business days are Monday through Friday. Holidays are not included.
6. Fees and Charges. There are certain charges for electronic funds transfer services as set forth below. From time to time, the charges may be changed. We will notify you of any changes as required by law.
1. The Home Financial Services service is free.
2. Return Item (NSF) Fee. There is $20.00 per item fee for a Returned Item (NSF).
3. Stop Payment Fee. There is a $15.00 per item fee for a Stop Payment.
7. Right to Receive Statements. Transfers and withdrawals transacted through Home Financial Services will be recorded on your periodic statement. You will receive a statement monthly.
8. Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make:
   1. As necessary to complete transfers;
   2. To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
   3. To comply with government agency or court orders;
   4. If you give us your express permission.
9. 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, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance:
   1. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit, if applicable.
   2. If you used the wrong password or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and bill payment transactions.
   3. If your computer fails or malfunctions or the Home Financial Services service was not properly working and such problem should have been apparent when you attempted such transaction.
   4. If circumstances beyond our control (such as fire, flood, telecommunication outages, strikes, equipment or power failure) prevent making the transaction.
   5. If the funds in your account are subject to an administrative hold, legal process or other claim.
   6. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer.
   7. If the error was caused by a system beyond the Credit Union's control such as a telecommunications system or Internet service provider.
   8. If there are other exceptions as established by the Credit Union.
10. Termination of Electronic Fund Transfer Services. You agree that we may terminate this Agreement and your electronic fund transfer services, if you, or any authorized user of your Home Financial Services or password breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your accounts or password. In addition, we reserve the right to terminate the service if you fail to use the service for more than ninety consecutive 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. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.
11. Notices. The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will mail notice to you at least thirty (30) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your Credit Union account and any future changes to those regulations.

12. Enforcement. You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union 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 state of Missouri as applied to contracts entered into solely between residents of, and to be performed entirely in, such state. 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 Missouri law, to payment by the other party of its reasonable attorney's fees and cost, 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 provisions may 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.