NEW USER REGISTRATION

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ONLINE AND ELECTRONIC SERVICES ENROLLMENT AND ACCEPTANCE AGREEMENT
 
PLEASE READ THIS SERVICES AGREEMENT AND DISCLOSURE STATEMENT CAREFULLY AND PRINT A COPY FOR YOUR FILES.
 
THIS SERVICES AGREEMENT PERMITS ENTRUST FINANCIAL CREDIT UNION AND THE MEMBER TO DELIVER CERTAIN INFORMATION TO EACH OTHER ELECTRONICALLY. THE INFORMATION WHICH MAY BE DELIVERED ELECTRONICALLY INCLUDES, BUT IS NOT LIMITED TO, NOTICES, DISCLOSURES AND OTHER INFORMATION REQUIRED BY FEDERAL LAW.
USER AGREEMENT
 
These are the Terms and Conditions of the Online Banking Service (herein referred to as “Online Banking” or “Services”) for the Entrust Financial Credit Union (herein referred to as EFCU) consumer account holders. By subscribing to Online Banking or using Online Banking to access account information, or to make any transfer between accounts or payment to a third party, you agree to the terms of this Agreement. We encourage you to print a copy of this Agreement and to keep a copy of this Agreement for your records. The words "we," "us," "our" and "Credit Union" refer to Entrust Financial Credit Union. The words "you" and "your" refer to each person subscribing to Online Banking, and to each person who uses Online Banking with the permission of the subscriber. 
 
You understand and agree that by using the Services, you are accepting the terms and conditions of this Services Agreement, and that your use of your login credentials will be considered the same as your written signature in authorizing us to complete any transaction or request communicated to us. 
 
By continuing, you are agreeing to the following disclosures and you are accepting access to Entrust Financial Credit Union's Online Services. Your acceptance will grant you access to Online Banking, Mobile
Banking, Online Bill Payment, Mobile Check Deposit, eAlerts, eStatements, plus any additional features that are connected through EFCU's Online Services. 
 
Your acceptance also enrolls you in our eStatements to receive your periodic account statements through electronic delivery versus U.S. Mail. You understand and agree that by enrolling for
eStatement service that we may discontinue sending paper statements to you.  You may cancel your enrollment in eStatements within Online Banking, or request your enrollment in any of the Online Services to be terminated by contacting the Member Services Department at Entrust Financial Credit Union using the contact information below:
 
Entrust Financial Credit Union
1801 Dabney Road, P. O. Box 6882, Richmond, VA 23230
804-353-8012 or 800-944-3622
mbrservices@entrustfcu.org
 
You have the right to receive your periodic account statement in paper form. To receive your periodic account statement in paper form you must un-enroll in eStatements via the Online Banking portal or by contacting the credit union using the contact information above. The credit union may charge a fee for reproducing a statement copy at your request.  Please see our current Fee Schedule for the fee amount.
 
FEDERAL LAW
 
You acknowledge and agree that your consent to electronic statements is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
 
COMPUTER EQUIPMENT, SOFTWARE, AND INTERNET USE 
 
You are solely responsible for the maintenance, installation and operation of your computer, and for the hardware and software used in accessing Online Banking. EFCU shall not be responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software, nor will the Credit Union be responsible for any computer virus that affects your computer or the software while using Online Banking. You acknowledge that the Internet lacks security for transactions. You agree that you provide, receive and request information via the Internet with the knowledge that such information can be intercepted and/or viewed by unknown third parties. The Credit Union does not guarantee that downloads from its site will not contain a virus or other destructive device. It is your responsibility to protect your information and to maintain your computer with updated virus protection and spyware. You should purchase and install firewalls and antivirus programs to help decrease any potential security breaches. 
 
Any virus that is not removed from your computer may corrupt and destroy your programs, files and even your hardware. Additionally, you must have an Internet Service Provider (ISP) and a 128-bit compliant browser to utilize Online Banking. It will be your responsibility to establish these specifications. Any costs or fees to obtain these services or software are solely your responsibility. 
 
Some components of our systems require specific software and/or settings be used to fully engage the functions available.  You are responsible for any changes necessary on your device to obtain the full user experience.
 
SECURITY 
 
EFCU is committed to protecting the security and confidentiality of your account information. 
 
We use several different methods to protect your account information: 
1. You can only access Online Banking with a browser that uses 128-bit encryption; 
2. You must have a valid email address; 
3. You must have a valid Username for User Identification (ID) and Password to log in; 
4. For your protection, we may temporarily suspend access to Online Banking for any reason, including inactivity; 
5. If no action is taken for a period of time, you will be automatically logged off Online Banking; 
6. We display your previous login date and Internet Protocol (IP) address each time you access Online Banking for you to review. 
 
You agree to the following and you agree to ensure that your authorized Online Banking users comply with the following: 
1. Never leave your computer unattended while using Online Banking; 
2. Never leave your account information displayed where it may be viewed by others; 
3. Always exit the system by logging out; 
4. Notify us immediately at 804-353-8012 or 800-944-3622, if you suspect unauthorized access. 
 
ONLINE BANKING RESPONSIBILITIES
 
These security procedures are not implemented for the purpose of detecting errors in your instructions or in their transmission, even if EFCU may take certain actions from time to time to do so. By your continued use of Online Banking, you agree that these procedures, including your security responsibilities described in this Agreement, constitute a commercially reasonable method of providing security against unauthorized instructions. 
 
Unless otherwise provided by any applicable law, rule, or regulation, you agree to be bound by any instructions delivered to us as long as they are accompanied by a permitted Username and Password, even if the instructions are not actually transmitted or authorized by you or your user. You accept responsibility for any unauthorized access to, and action taken through, Online Banking using a valid Username and Password, whether such access or action is taken by you, your authorized Online Banking user, persons with access to your records, or persons who have obtained access to Online Banking through your failure to maintain adequate control. 
 
In addition, you shall indemnify and hold the Credit Union harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and received and verified by the Credit Union in compliance with such security procedures. 
 
You acknowledge that neither EFCU nor any person acting on behalf of the Credit Union will request that you disclose your Username or your Password or disclose security procedures and agree that neither you nor any of your authorized Online Banking users will disclose a Username or a Password or security procedures. 
 
You hereby confirm that you have instituted proper controls through your computers, terminals, equipment and procedures to protect your financial information and all Usernames and Passwords, as well as any other security procedures we may require from time to time. Unless otherwise provided by any applicable law, rule, or regulation, you are strictly responsible to establish and maintain the procedures to safeguard against unauthorized access to Online Banking services including, if reasonably required, updates to such procedures and monitoring by you of compliance with such procedures. 
 
You warrant that no individual will be allowed access to Online Banking in the absence of proper supervision and safeguards and agree to maintain the confidentiality of the security procedures and Usernames and Passwords and related instructions provided by us in connection with the applicable security procedures. If you at any time have reason to believe or suspect that any such information or instructions have been disclosed to or accessed by any unauthorized person or used in a manner not authorized by you, you agree to notify us as soon as practicable, followed by written confirmation as provided under "Your Liability for Unauthorized Electronic Fund Transfers and Error Resolution" elsewhere in this Agreement. The occurrence of unauthorized access will not affect any transactions executed in good faith by us prior to receipt of such notification and for a reasonable time thereafter. 
 
ACCOUNT AND OTHER ELIGIBILITY REQUIREMENTS 
 
These Services are for consumer use only.  To register your Membership accounts for Online Banking, you must maintain an open and active Deposit account. By entering into this Agreement, you agree to maintain your accounts properly, observe and comply with all rules applicable to them, and pay all fees associated with such accounts. Online Banking is offered only to residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, Online Banking is not offered to minors. By using Online Banking, you represent that you meet these requirements and that you agree to be bound by this Agreement. 
 
ACCOUNT OWNERSHIP 
 
Any person with ownership rights to an account, including but not limited to joint ownership, or users established by any person with ownership rights, may register and use any or all features of Online Banking for which they qualify. Online Banking transactions performed by an owner of the account will be considered authorized transactions and except as provided in this Agreement, EFCU will not be liable to you for any such transactions. 
 
USER ACCOUNT PROFILE
 
You agree it is your sole responsibility to ensure the contact information within your Online Banking account user profile is current, complete, and accurate; including but not limited to your name, address, phone numbers, and e-mail addresses. Changes can be made either by using the Service or by calling the Credit Union at 804-353-8012 or 800-944-3622.
 
USERNAME AND PASSWORD 
 
Username and Password identify and authenticate you to EFCU when you use the Credit Union’s Online Banking service. You will be required to establish a Username and Password during your first online session through our Online Registration process. You will establish a Username and Password that meets the security requirements established to protect your financial information. The Username and Password are not to be shared with anyone, including the Credit Union.  You additionally agree that you and each joint owner or user will establish and maintain a unique Username and Password separate from each other to individually identity each transaction. 
 
By establishing a Username and Password you agree to, and agree to ensure that authorized Online Banking users will: 
1. Not disclose your Username and Password or otherwise make it available to anyone else, including other joint owners on the account; 
2. Be liable for your Username and Password and for its authorized and unauthorized use as described in this Agreement; 
3. Change your password regularly; 
4. Notify us immediately at 804-353-8012 or 800-944-3622 of any loss or theft of your Username and Password. 
 
For security purposes, your Password must meet complexity requirements: 
1. At least 8-characters; 
2. At least one uppercase alphabetic character (e.g., A-Z); 
3. At least one lowercase alphabetic character (e.g., a-z); 
4. At least one number (e.g., 0-9); 
NOTE:  Special characters are allowed, but not required.
 
Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down. 
 
You acknowledge that we are entitled to rely on the use of your Username and Password as your authorization for any transaction through Online Banking. You are responsible for all transactions you initiate or authorize using Online Banking. If you permit any other person to use your Online Banking Username and Password, you will have authorized that person to access your accounts, and you are responsible for any transaction that person initiates or authorizes from your accounts. 
 
If you suspect unauthorized use of your Username and Password, please follow the procedures outlined in the "Your Liability for Unauthorized Electronic Fund Transfers and Error Resolution" section of this Agreement. We undertake no obligation to monitor transactions through Online Banking to determine that they are made on behalf of the accountholder. 
 
ONLINE BANKING SERVICES 
 
After you successfully register for Online Banking, you will have "view" and "transfer to" access to your eligible EFCU accounts and loans. 
 
For these eligible accounts, you will be able to: 
1. View balance information; 
2. View transaction history; 
3. Search for transactions; 
4. View/print images of the front and back of your checks; 
5. Import certain account information into Intuit Quicken or QuickBooks through Web Connect and Direct Connect services from Intuit; 
6. Send us secure messages regarding your accounts or Online Banking and receive secure messages ("Message Center"); 
7. Setup multiple users to allow you to control access to your account. You can create "read only" or "full access" features for your family or associates; 
8. Establish alerts to notify you when certain balance conditions are met, when transactions occur, when you have received Messages from EFCU or when eStatements are available. You may choose to receive alerts via email or mobile text (your carrier’s standard text messaging rates will apply). To ensure delivery, data must be entered in the required format; 
9. Conduct internal fund transfers (Member to Member), recurring transfers, and external transfers to and from other financial institutions; 
10. If you also choose to register for the Online Bill Payment service, you will be able to establish new billers, and issue a bill payment to a third party from your Payment account(s); 
11. Update Personal Information. This feature allows you to update your address, phone number, work number, and email address without having to visit an EFCU branch office.; and 
12. If you choose to register your credit card in our Credit Card Portal (AccessPoint), you will be able to view your credit card statements, make a payment to your credit card account, dispute transactions, set up alerts for your credit card
 
Any and all users that you setup must be authorized as joint owners or co-borrowers on your account(s). You will be held liable for any activities performed by these individuals. It is your responsibility to monitor and maintain the access for multiple users, and to make any changes or suspensions as needed. 
 
All instructions or requests provided to EFCU via Online Banking will be deemed to be written instructions, with the same effect as written instructions provided to the Credit Union on paper and signed by you. If you ask us to make periodic transfers or payments at regular intervals, that request will have the same effect as written instructions to us signed by you. 
 
SYSTEM AVAILABILITY 
 
You may access your account information through Online Banking 24 hours a day, seven (7) days a week, except for interruptions due to maintenance or matters beyond EFCU’s control. 
 
MOBILE BANKING SERVICE
 
Use of the Mobile Banking Service is subject to approval by the Credit Union. If you are approved for Mobile Banking, you agree that your use of the Mobile Banking Service is subject to the following terms, conditions and disclosures. By accessing or using the Mobile Banking Service, you agree to be bound by the terms and conditions below. Please read this section carefully before accessing or using the Mobile Banking Service.
 
a. General. Access to the Mobile Banking Service via your mobile device is powered by the proprietary mobile technology solution owned by CUBUS Solutions. (the "Licensor"). The Licensor is not the provider of any of the services available to you through the Software (defined in this section), and the Licensor is not responsible for any of the materials, information, products or services made available to you through the Software. Such materials, information, products and services are made available to you by your Service Provider.
 
b. Ownership. You acknowledge and agree that the Licensor is the owner of all right, title and interest in and to the mobile technology solution made available to you hereunder, including but not limited to any downloaded software and the computer programs contained therein, as well as any accompanying user documentation, and all subsequent copies, updates or versions thereof, regardless of the media or form in which they may exist (all of which is collectively referred to herein as the "Software"). You may not use the Software unless you have first accepted the terms of this Agreement.
 
c. License. Subject to the terms and conditions of this Agreement, you are hereby granted a personal, nonexclusive, nontransferable license to use the Software (in machine readable object code form only) in accordance with the terms of this Agreement and for the sole purpose of enabling you to use and enjoy the benefits of your Service Provider's services made available via the Software. This is not a sale of the Software. All rights not expressly granted to you by this Agreement are hereby reserved by the Licensor. Nothing in this license will entitle you to receive hard-copy documentation, technical support, telephone assistance, or updates to the Software. This license may be terminated at any time, for any reason or no reason. Upon termination, you agree to immediately destroy all copies of the Software in your possession or control.
 
d. Restrictions. You shall not: (i) modify, revise or create any derivative works of the Software; (ii) decompile, reverse engineer or otherwise attempt to derive the source code for the Software; (iii) redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Software; or (iv) remove or alter any proprietary notices, legends, symbols or labels in the Software, including, but not limited to, any trademark, logo or copyright.
 
e. Updates. The terms of this Agreement will govern any updates that replace and/or supplement the original Software, unless such update is accompanied by a separate license in which case the terms of that license will govern.
 
f. Text Messages. Text messaging services are provided by your Service Provider and not by any other third party. You and your Service Provider are solely responsible for the content transmitted through text messages sent between you and your Service Provider. You must provide source indication in any text messages you send (e.g. mobile telephone number, From field in text message, etc.) You are responsible for any text message fees charged by your wireless carrier.
 
g. Consent to Use of Data. You agree that the Licensor may collect and use technical data and related information, including, but not limited to, technical information about your device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services (if any) related to the Software. The Licensor may use this information, as long as it is in a form that does not personally identify you, to improve its products or to provide services or technologies.
 
h. U.S. Government Restricted Rights. The Product is commercial computer software subject to RESTRICTED RIGHTS. In accordance with 48 CFR 12.212 (Computer software) or DFARS tel:227.7202 (Commercial computer software and commercial computer software documentation), as applicable, the use, duplication, and disclosure of the Software by the United States of America, its agencies or instrumentalities is subject to the restrictions set forth in this Agreement.
 
RESTRICTIONS ON TRANSFERS FROM SAVINGS AND MONEY MARKET ACCOUNTS 
 
There are certain restrictions on transfers or withdrawals you may make out of a Savings or Money Market account. Please refer to your Membership Disclosure for details. 
 
FEES AND CHARGES 
 
Many of the Online Banking services are provided free of charge. Some account services requested through Online Banking may require payment of a fee. Refer to the Membership Account Fee Schedules available on our website at www.entrustfcu.org for a complete listing of fees. Fees will be charged to the account for which the service has been provided, unless otherwise stated. Fees and the services to which they apply are subject to change from time to time at EFCU’s discretion.
 
STOP PAYMENTS 
 
This section refers to your ability to stop payment on a check that you have written. It does not allow you to cancel an Online Bill Payment or other electronic payment. Once a bill payment has been debited from your account and paid electronically, you cannot cancel or stop the bill payment. Stop payments for an Automated Clearing House (ACH) transaction must be processed with a signed Stop Payment Order form, and not via Online Banking. 
 
For a stop-payment order to be effective, we must receive the request in time to give us reasonable opportunity to act on it, and the item not be pending or already cleared. To place a stop payment order via Online Banking, the account number and check number are required. To request a stop payment without this required information, contact 804-353-8012 or 800-944-3622. Unless your request is complete and accurate, we may be unable to identify the item subject to your request. 
 
A stop-payment order may be made and will be honored when made by the maker of the check or any other account owner who has withdrawal rights at least equal to the rights of the maker of the check. Stop payment orders placed using Online Banking are considered written stop payment orders. We reserve the right to require an actual, physically-signed written stop payment order at any time. 
 
Written stop payment orders are effective for six (6) months and may be renewed in writing for an additional six (6) months only by one of the following methods: 
1. Use Message Center to request that we extend the Stop Payment period for an additional six (6) months. The request must include the check number and the account number on which the check was written. 
2. Complete a Stop Payment Order form from our website at www.entrustfcu.org and fax it to 804-359-4991. 
3. Send us a letter requesting that we extend the Stop Payment period for an additional six (6) months. The request must include the check number and the account number on which the check was written. The letter must be faxed to 804-359-4991 or mailed to: 
 
Entrust Financial Credit Union
P. O. Box 6882
1801 Dabney Road
Richmond, VA  23230
 
4. You may check the Stop Payment history screen in Online Banking to verify the Stop Payment orders placed on your account.
5. You agree to hold EFCU harmless for the amount of the stop payment as well as for all expenses and costs, including attorney’s fees, and charges from other financial institutions or companies, that are incurred by the Credit Union through refusing payment of the check on which a stop payment has been placed. You further agree to hold EFCU free of all liability should payment be made contrary to this request, if such payments occur through inadvertence or accident. 
 
CANCELING A STOP PAYMENT 
 
A stop payment order placed using Online Banking may only be cancelled by one of the following methods: 
1. Send us a notice using Message Center and include the account number the check was written against and the check number, and the following, if known: check amount, date check written and Payee name. 
2. Send us a letter including the account number the check was written against and the check number. Also identify the following, if known: the check amount, date check written and Payee name. The letter should be faxed to 804-359-4991 or mailed to: 
Entrust Financial Credit Union
P. O. Box 6882
1801 Dabney Road
Richmond, VA  23230
Or 
3. Visit our branch 
A stop payment order will be released only upon request from the account owner who authorized the stop payment to be placed. 
 
MONTHLY STATEMENTS 
 
EFCU will mail or deliver to you monthly account statements for your Credit Union account(s). The Credit Union will include any transfers or bill payments you authorize through Online Banking on your statement. You should promptly review your paper or e-statement and notify the Credit Union of any discrepancies, including but not limited to, any errors or inaccuracies related to data transmitted by any online service. 
 
Unless provided otherwise by law, if you do not notify us of any errors within a reasonable period of time (not to exceed fourteen (14) days), after we send or make available to you your statement and/or items, you cannot assert the unauthorized signature or alteration against us even if we are unable to show a loss due to your failure. 
 
Also, you cannot assert any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the reasonable time mentioned above elapses and before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying an item with an unauthorized signature or alteration. However, if you do not notify us of the problem within sixty (60) days of when we send or make available to you the statement and/or items, you absolutely forfeit any right(s) to assert a claim against us. You must report any other account problem (e.g., erroneous statement or passbook entry, missing signature, unauthorized endorsement, etc.) within a sixty (60) day period or lose your right to assert claim against us. 
 
In addition to your monthly statements, EFCU will mail or deliver to you other important documents and tax forms; such as a Change in Terms Notice, Certificate Maturity Notice, or Internal Revenue Service (IRS) 1099-INT Interest Income statement. 
 
DISCLOSURE OF INFORMATION TO THIRD PARTIES 
 
We will disclose information to third parties about your account or the transactions that you make: 
1. Where it is necessary to complete authorized transactions; 
2. Where it is necessary to activate additional services; 
3. In order to verify the existence and condition of your account for a third party, such as a credit bureau; 
4. To a consumer reporting agency; 
5. In order to comply with a government agency or court orders; 
6. If you give us your written permission. 
Refer to our Privacy Disclosure for details on your rights to confidentiality and opt-out choices for EFCU and its non-affiliated third-party service providers. 
 
YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC FUND TRANSFERS AND ERROR RESOLUTION 
 
Consumer users, please refer to the EFT Agreement located in our Membership Disclosures available on our website at www.entrustfcu.org. 
 
CHANGES TO AGREEMENT 
 
We may, in our sole discretion, change Online Banking services and the terms, including fees, set forth in this Agreement at any time. For example, we may add, delete or amend terms or services, add or change fees, or change or limit the types of accounts accessible by Online Banking. You will be notified of any such change as required by applicable law, either by mail or by Message Center. You understand that by your continued use of the Online Banking service after a change becomes effective, you have agreed to the change. 
 
ELECTRONIC MAIL (EMAIL) AND MESSAGING 
 
Although you may currently have email capabilities, it is important to remember that normal Internet email transmissions may not be secure. You agree to contact us electronically only through Message Center within Online Banking if your correspondence contains confidential information, such as an account number or social security number. You also agree to receive communications regarding your account electronically and will not attempt to circumvent receiving any messages. It is your responsibility to notify us immediately if your email addresses change. You are deemed to have received any electronic messages at the time we send them to you. 
 
We may not immediately receive email (including Message Center) that you send. You must confirm urgent messages by completing a telephone call to us. We will have a reasonable opportunity to act on your email requests. 
 
You cannot use email for the following purposes: 
1. To report unauthorized use of Username and Password (see "Your Liability for Unauthorized Electronic Fund Transfers and Error Resolution"). 
2. To report an unauthorized transaction See the "Notices" section regarding how to report these matters. 
 
NOTICES 
 
Any notices to us, unless otherwise stated in this Agreement, must be in writing and shall be deemed to have been given or made on the date of delivery, in the case of hand delivery, or five (5) business days after deposit in the United States mail, postage prepaid and addressed as required in this Agreement. 
 
If you: 
1. believe that any error has been made with respect to Online Banking, 
2. dispute any transfer, payment, charge or other entry involving Online Banking, or 
3. believe any security problem exists (including the fact or possibility that any unauthorized person has access to your Username, password or other security procedures or otherwise has access to Online Banking), then you must promptly notify us by telephone, by calling 804-353-8012 or 800-944-3622 and confirm such communication by written notice. 
 
We shall not be deemed to have received notice until it has been given written notice as provided herein, but telephonic notice may enable us to act to prevent or limit loss to you that may otherwise occur. Although you will have the ability to transmit electronic mail directly to us using Message Center, no communication through that system or other electronic communication shall be deemed to constitute written notice to us of an error, dispute or security problem. 
 
COMMUNICATIONS BETWEEN YOU AND EFCU 
 
Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways: 
1. Message Center: Use the Messaging feature in Online Banking. 
2. Telephone: you can contact us by telephone at 804-353-8012 or 800-944-3622. 
3. Fax: you can fax documents to us at 804-359-4991. 
4. Mail: you can write to us at Entrust Financial Credit Union, P.O. Box 6992, Richmond, VA  23230. 
5. In Person: you may visit us in person at our branch location. 
6. EMail:  You may submit general inquires to efcu@entrustfcu.org or mbrservices@entrustfcu.org.  
 
INDEMNIFICATION; LIMITATIONS ON CREDIT UNIONS LIABILITY 
 
EFCU will not be responsible for, and you expressly agree to indemnify, defend, and to hold the Credit Union, its affiliates, service providers contractors and all of their directors, officers, employees, contractors, and agents harmless from, every claim, damage, loss, delay, cost (including, without limitation, attorney’s fees) or liability which arises, directly or indirectly, in whole or in part, from: 
1. your actions or omissions, or those of third parties; 
2. your negligence or breach of any agreement with the Credit Union; 
3. lack of available funds in your account; 
4. any ambiguity, inaccuracy, or omission in any information provided to the Credit Union; 
5. any error, failure or delay due to a breakdown in any computer or communications facility; 
6. accidents, strikes, labor disputes, civil unrest, fire, flood, water damage (e.g., from fire suppression systems), war, emergency conditions, or other natural disasters; 
7. causes beyond the Credit Union’s reasonable control; 
8. legal constraint, 
9. the Credit Union’s inability to confirm to us the authority of any person to act on your behalf; 
10. the Credit Union honoring or acting upon any instructions received in accordance with the security procedures or otherwise in accordance with your instructions or the terms of this Agreement;
11. the Credit Union failing or refusing to honor or act upon any instructions received that are not in accordance with the security procedures, any user guides or the Credit Union’s instructions; 
12. any warranty that the Credit Union is required or deemed to make to a third party in connection with your transactions; and 
13. your failure to comply with the National Automated Clearing House Association (NACHA) Electronic Payments Association rules or the rules of any clearing house or payment organization that processes its transactions. 
 
Neither EFCU, nor its affiliates, service providers, contractors nor any of their directors, officers, employees, contractors, and agents shall be responsible under any circumstances for special, indirect, or consequential damages which you incur as a result of any of their actions or omissions, even if the Credit Union is aware of the possibility for such damages and regardless of the legal or equitable theory of liability asserted, including, without limitation, loss or damage from subsequent wrongful dishonor resulting from the Credit Union’s acts or omissions pursuant to this Agreement. 
 
EFCU will use reasonable efforts to provide the Online Banking services in a prompt fashion, but shall not be liable for temporary failure to provide in a timely fashion. In such event, you will be responsible for carrying out business through alternative delivery channels. The Credit Union will not be liable for any inaccurate or incomplete information with respect to transactions that have not been completely processed or posted to the Credit Union’s systems prior to being made available within Online Banking. Information provided via Online Banking with respect to all transactions is provided for your convenience and you shall have no recourse to the Credit Union as to your use of this information. 
 
Unless otherwise required by law, any claim, action or proceeding by you to enforce the terms of this Agreement must be commenced within one (1) year from the date that the event giving rise to the claim, action or proceeding first occurs. You agree to cooperate with EFCU in any loss recovery efforts the Credit Union may, in its discretion, undertake to reduce any loss or liability that arises in connection with the Online Banking services. 
 
These limitations will apply to all causes of action, whether arising from breach of contract, tort (including negligence) or any other legal theory. Some states do not allow the exclusion or limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you. 
 
You acknowledge that EFCU’s fees have been established in contemplation of: 
1. these limitations on the Credit Union’s liability; 
2. your agreement to review statements, emails, and notices promptly and to notify the Credit Union immediately of any discrepancies or problems; and 
3. your agreement to assist the Credit Union in any loss recovery effort. In no event shall the liability of the Credit Union and its affiliates exceed the average monthly amounts paid by you for the services provided to you through Online Banking in the year preceding any claim you make against us. 
 
THE FOREGOING SHALL CONSTITUTE EFCU’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE CREDIT UNION BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE. 
 
DISCLAIMER OF WARRANTY 
 
ONLINE BANKING SERVICES PROVIDED TO YOU UNDER THIS AGREEMENT AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FORA PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORSOUTSIDE OF OUR CONTROL. 
 
RECORDING AND USE OF COMMUNICATIONS 
 
You and EFCU agree that all telephone conversations and data transmissions between you and the Credit Union or either of our agents made in connection with this Agreement may be electronically recorded and retained by either party by use of any reasonable means and for any lawful purpose. All recordings and discs, magnetic tapes, security reports and related media and records used by the Credit Union for transactions contemplated by this Agreement shall remain the Credit Union’s property. 
 
CALLS TO YOU 
 
By providing us with a telephone number (including a wireless/cellular telephone), you consent to receiving autodialed and prerecorded message calls from us at that number for marketing and non-marketing purposes. 
 
GOVERNING LAW 
 
This Agreement shall be governed by the laws of the state in which the main office of EFCU which maintains your account is located and, where applicable, by federal law. Any issue relating to an account or service with the Credit Union shall be governed by the law(s) specified in the agreement for that account or service if there is a separate agreement for that account or service. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement. 
 
WAIVER OF JURY TRIAL 
 
Where permitted by law, both parties agree to waive any right to have a jury participate in the resolution of any dispute or claim between the parties or any of their respective Affiliates arising under this Agreement. EFCU reserves the right to select the arbitrator who will handle any disputes arising from this Agreement. 
 
RELATED AGREEMENTS 
 
All rules and regulations outlined in your account agreements apply to Online Banking. State and federal law, including the Uniform Commercial Code (UCC), and regulations of the Federal Reserve System, other regulatory agencies and clearinghouse associations, regulate much of our relationship with you. These laws and regulations, as well as the terms of the Agreement may change from time to time without notice to you unless law requires notice. The Electronic Funds Transfer Act governs some of the transactions permitted under this Agreement, and some terms and conditions included in the Agreement are required by this Act. 
 
In addition, certain agreements and documents govern the accounts you access through Online Banking, as they are amended from time to time, including, but not limited to the following: 
1. Membership Agreement; 
2. Any agreement you may have for a loan that may be accessed through Online Banking. 
 
NEW SERVICES 
 
We, in our sole discretion, may add or change services or features of the Online Banking service at any time. We will update this Agreement to notify you of these new services. If you continue to use Online Banking, you agree to be bound by the terms contained in the revised Agreement. 
 
TERMINATION OF AGREEMENT 
 
You may cancel Online Banking at any time. We reserve the right to terminate Online Banking immediately and without notice: 
1. in the event of improper use of such service, 
2. in the event of a failure to comply with the security procedures, or 
3. if all of your eligible accounts have been closed for ninety (90) or more days. 
 
We may terminate this Agreement with or without cause by providing written notice of such termination to you. Any termination of this Agreement shall not affect any of Banks rights and your obligations with respect to Online Banking utilized by you, or your payment obligations with respect to services performed by us, or any other obligations that survive termination of this Agreement. Termination of this Agreement will not affect or terminate agreements governing your accounts with EFCU. Any improper, illegal or unlawful use of this service, or if you have been negligent or have engaged in fraud, may result in the termination or restriction of this service, in addition to civil or criminal prosecution. 
 
CANCELLATION OF ONLINE BANKING SERVICE 
 
To cancel your Online Banking Service use Message Center or send us written notification, with your signature, to: 
Entrust Financial Credit Union
P. O. Box 6882
Richmond, VA  23230
 
Such termination shall only be effective after we have had a reasonable amount of time to act upon the request or the written notice of such termination or such later date as is specified in that notice. 
 
SURVIVAL 
 
The sections entitled "Indemnification; Limitations on Banks Liability" and "Disclaimer of Warranty and limitation of Liability" shall survive termination of this Agreement. 
 
SEVERABILITY 
 
If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. 
 
ASSIGNMENT 
 
You may not assign this Agreement to any other party. EFCU may assign this Agreement to any directly or indirectly affiliated company. The Credit Union may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.  
 
NO WAIVER 
 
EFCU shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Credit Union. No delay or omission on the part of the Credit Union in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions. 
 
CAPTIONS 
 
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement. 
ENTIRE AGREEMENT
 
This Agreement (including the Supplements found elsewhere in Online Banking, as the same may be amended from time to time), is the complete agreement between you and us with respect to the subject matter hereof and supersedes any prior agreements, statements, negotiations and understandings between you and us with respect to such subject matter. In the event of any inconsistency between the terms of this Agreement and any agreement governing an account of yours, the terms of this Agreement shall govern. In the event performance of the services provided herein in accordance with the terms of this Agreement would result in a violation of any present or future statute, regulation or government policy to which EFCU is subject, and which governs or affects the transactions contemplated by this Agreement, then this Agreement shall be deemed amended to the extent necessary to comply with such statute, regulation or policy, and we shall incur no liability to you as a result of such violation or amendment. No course of dealing between you and us will constitute a modification of this Agreement or the security procedures utilized in connection with Online Banking or constitute an agreement between you and us. 
 
BINDING AGREEMENT; BENEFIT 
 
This Agreement shall be binding upon and inure to the benefit of you and us and our respective legal representatives, successors and assigns. This Agreement is not for the benefit of any other person, and no other person shall have any right against you or us hereunder. 
 
MISCELLANEOUS 
 
You agree that this Agreement is the complete and exclusive statement of the agreement between you and EFCU which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Credit Union relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Credit Union says and the terms of this Agreement, the terms of this Agreement will prevail. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
 
CONTACT US
 
You may contact the Credit Union by calling 804-353-8012 or 800-944-3622.  We are available Monday through Friday from 9:00 a.m. to 5:30 p.m. EST.  The Credit Union is closed on all federal holidays and the day after Thanksgiving. However, the day after Thanksgiving is a processing day. To email us, please use efcu@entrustfcu.org, mbrservices@entrustfcu.org.  For correspondence, please send mail to Entrust Financial Credit Union, P. O. Box 6882, Richmond, VA  23230. 
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