Tulsa Municipal Employees FCU (TMEFCU or we) and the below named member(s) (member or you) hereby agree as follows:

1. TMEFCU On-Line Services

   Member hereby applies to TMEFCU for TMEFCU On-Line services. In order to remain eligible for TMEFCU On-Line, member must remain a member of TMEFCU in good standing. The following transactions may be performed by the member through TMEFCU On-Line:

   1. Transfers. You may transfer funds among your TMEFCU Share or Loan Accounts. Transfers from any share except Share Draft (Checking) are limited to six (6) per calendar month in any combination of online, pre-authorized and telephone transfers.

      Transfers done through TMEFCU On-Line DO NOT immediately charge or credit your account. Transfers will be effective the next business day after the date of such transaction.

   2. Additional Services. From time to time, TMEFCU will announce additional services which are available through TMEFCU On-Line. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

   3. Access Limitations. TMEFCU reserves the right to limit the amount of on-line access per month or per session.

2. Operating Systems

   Our internet home banking site is designed to operate using world wide web technologies and protocols which are adaptable to a wide range of systems. The home banking section uses SSL encryption and requires a browser with a current (unexpired) Thawte Root CA Security Certificate. We check your certificate and provide update information, if necessary, when you enter the home banking site.

3. TMEFCU On-Line PIN (Personal Identification Number)

   You hereby acknowledge that you have reviewed and read the appropriate disclosure pertaining to TMEFCU On-Line and agree to the terms of the disclosure. You agree that use of TMEFCU On-Line by other persons will give them access to any of your Share, Share Draft, IRA, Certificate and Loan Accounts. Access to a member account will be by means of a member's PIN. You agree not to make your PIN available to any other person. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (918) 582-7573 between 9a.m. and 5 p.m. Monday through Friday, or write us at 1120 W 17th Street Tulsa, Oklahoma 74107 .

   You may change your PIN at any time from within the TMEFCU On-Line service. We suggest you change your PIN from time to time and do so immediately if you believe another person has gained access to this information.

4. Liability for Unauthorized Transfers
   1. Liability disclosure. Tell us AT ONCE if you believe your PIN has been lost or stolen and immediately change your PIN. Telephoning is the best way of limiting your potential losses. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your PIN without your permission.

      If you do NOT tell us within two (2) business days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your PIN 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, 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 kept you from telling us, we will extend the time periods.

   2. Address and telephone number. If you believe your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

      (918) 582-7573

      1-877-582-7573 (nationwide)

      or write:

      Tulsa Municipal Employees FCU 1120 W 17th Street Tulsa, Oklahoma 74107

5. Charges

   TMEFCU does not intend to charge a fee for this service. We do, however, reserve the right to do so in the future and will provide 30 days advance notice to all users through the system.

6. Statements

   All transactions generated by you through TMEFCU On-Line and any TMEFCU On-Line fees will appear on your monthly or quarterly statement.

7. Our Liability

   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;

   2. If the TMEFCU On-Line equipment or software was not working properly and you knew about the breakdown when you started the transfer;

   3. If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.

   We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the TMEFCU On-Line service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or TMEFCU On-Line, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software or any part thereof, including, without limitations, any warranties of fitness for a particular purpose or warranties of merchantability.

8. Errors and Questions

   In case of errors or questions about your electronic transfers, telephone us at (918) 582-7573 or write us at 1120 W 17th Street Tulsa, Oklahoma 74107 as soon as you can. We must hear from you no later than sixty (60) days after you learn of the error. You will need to tell us:

   1. Your name and account number;

   2. Why you believe there is an error and the dollar amount involved;

   3. Approximately when the error took place.

   If you tell us orally, we may require that you send us 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 and correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint, but you will have the use of the funds in question after the ten (10) business days. 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 during the investigation.

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

   If you need more information about our error resolution procedures, call us at the telephone number shown above.

9. Business Day

   Our business days are Monday through Friday. Holidays not included.

10. Governing Law

    This agreement shall be governed by and constructed in accordance with the laws of the State of Oklahoma .