Insight Credit Union

Access Agreement

Please read the Access Agreement below.

When finished, click on the 'Agree' button at the bottom to sign up for Online banking.

Electronic Communications Agreement

Please read this Electronic Communications Agreement ("Agreement”) it contains important information. This Agreement covers all of your accounts, products, and services with Insight Credit Union, and any other affiliates (collectively, “Insight”, "we", "us", and "our") accessible, either currently or in the future, through Online Banking (whether accessed through a personal computer or mobile device), our websites, or other electronic means. This includes all accounts and services. The words "I", "you" and "your" mean each account holder, product owner and/or service user identified on an account, product or service.

(1) Your Legal Rights

Certain laws and regulations require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this Agreement and obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your account, product or service (collectively “account”), subject to applicable law. Since your account is provided online and uses electronic means to deliver some of this information, you must consent to this Agreement in order to use same. At times, we may still send you paper communications, but as a basic proposition we need to know that you are willing to receive communications electronically that we may otherwise be required to provide on paper and that you have the hardware and software needed to access to this information and that you are holding us harmless from providing same.

(2) Types of Electronic Communications You Will Receive

You understand and agree that we may provide to you in electronic format only, by posting the information on the website where you access your account, through e-mail (if applicable and if you have provided a valid e-mail address), directly within “Insight Online” or other electronic means, agreements, disclosures, notices, and other information and communications regarding your account, the use of our websites or our other electronic services, your relationship with us, and/or other account, programs, products or services that are or may be in the future made available to you (collectively, "Communications"). Such Communications may include, but are not limited to:

This Agreement and any updates;
Service or user agreements for access to our websites or other electronic services, all updates to these agreements and all disclosures, notices and Communications regarding transactions you make;
Disclosures, agreements, notices and other information related to the opening or initiation of an account including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
Periodic, annual, monthly or other statements, disclosures and notices relating to the maintenance or operation of an account or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
Any notice or disclosure regarding an account such as a late fee, an overdraft fee, an overlimit fee, a fee for a draft, check or electronic debit returned for any reason, such as insufficient funds fee or a fee as a result of a stop payment;
Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to accounts, products or services you obtain from us;
Our Privacy Policy and other privacy statements or notices (by posting such notices on our website);
Certain tax statements or notices that we are required to provide to you, such as the annual IRS interest statements; and
Certain information or forms that you submit electronically, such as signature cards, W-9s, or other agreements.

(3) Setting Your Electronic Communications Preferences

By entering into this Agreement, you are not changing your current preference for receiving statements via paper or electronic format. After you consent to this Agreement, you will still be able to set your preference to receive certain Communications in (1) electronic format only; or (2) paper format only. Setting your Communications preferences may not be available for all products, accounts or services. Communications you receive electronically will be governed by this Agreement.

(4) Types of Communications You Will Receive in Paper

This Agreement does not apply to any communications we determine, in our sole discretion that we choose to deliver in paper form rather than electronic form. Such communications shall be mailed to the primary address for you in our records or otherwise delivered as required by law or the governing agreement.

(5) Hardware and Software Requirements

While you may be able to access and retain the Communications using other hardware and software, we currently support the following minimum requirements:

For Online Banking through a personal computer:

An operating system, such as:
- Windows 7 or newer; or
- Macintosh OSX or newer
Access to the Internet,
We support the following browsers TLS 1.2 or higher:

For PC using Windows 7 or newer	For Macintosh using OSX or newer
Microsoft Internet Explorer	Apple Safari
Mozilla Firefox
Google Chrome Microsoft Edge

For Online Banking through a mobile device/tablet ("Mobile Banking"):

A compatible operating system, such as:
- iOS 11 and newer
- Android OS 6.0 and newer for mobile handsets and tablets
and either:
- Access to the Internet using the default browsers included by your mobile device manufacturer; or
- The latest version of “Insight Credit Union” app compatible with your device platform

Most Communications provided within our websites are provided either in HTML and/or PDF format. Some areas of our site may require Macromedia Flash or Adobe Acrobat Reader. For Communications provided in PDF format, Adobe Reader is required - A free copy of Adobe Reader may be obtained from the Adobe website at www.adobe.com.

In certain circumstances, some Communications may be provided by e-mail. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. At our option, we may also post the emailed Communications within our websites. In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain.

To print or download Communications you must have a printer connected to your device or sufficient hard-drive or other storage space to store the Communications.

(6) How to Withdraw Your Consent to this Agreement

Subject to applicable law, you may withdraw your consent to this Agreement by calling (888) 843-8328 or in writing to Insight Credit Union, Attn: Member Services, P.O. Box 4900, Orlando, FL 32802 with your name and mailing address.

For Online Banking, if you withdraw your consent to this Agreement we may stop providing you with Communications electronically and we may terminate your Online Banking access. Your withdrawal of consent is effective only after you have communicated your withdrawal to us. Your consent shall remain in force until withdrawn in the manner provided in this section. Remember that you can always set your Communications preferences as described in Section 3 above without withdrawing your consent to this Agreement.

Consent Coverage; Certain Notices From You Are Not Covered. Applicable law or contracts sometimes require you to give us "written" notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.

(7) Online Banking Agreement

Accessing Online Banking services constitutes acceptance of this Agreement, the Remote Deposit Capture Agreement, the Electronic Funds Transfer Disclosure, the Fee Schedule and all of the terms and conditions contained in the Important Account Information brochure, which is incorporated herein by reference and that was previously provided to you when you opened your account. Additionally, you agree with our E-Sign Disclosure and electronic communication as a method of delivery of any notice of amendments or disclosure. Please enter your USER ID and Password to log in. Online Banking services are provided through a secured connection.

You agree that you will log in to Online Banking regularly to ensure you receive all appropriate notices and Communication.

(8) Electronic Fund Transfers

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or share savings account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking, share savings, or money market account(s).
Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills.
Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.

Online Banking Computer Transfers - types of transfers - You may access your account(s) by computer by internet access to insightcreditunion.com and using your personal identification number and your account numbers, to:

transfer funds from checking to checking
transfer funds from checking to share savings
transfer funds from share savings to checking
ransfer funds from share savings to share savings
transfer funds from line of credit to checking
transfer funds from line of credit to share savings
make payments from checking to loan accounts with us
make payments from checking to third parties
make payments from share savings to loan accounts with us excluding credit cards
get information about:
- the account balance of checking accounts
- the account balance of share savings accounts
- loan balances, cross account transfers, number, account histories, interest earned and check cleared status.

SERVICE COSTS

We do not charge for direct deposits to any type of account.
We do not charge for a preauthorized payment made from your account(s).
Please refer to our separate fee schedule for additional information about charges.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

DOCUMENTATION

Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.
Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 888-843-8328 (outside Orlando) to find out whether or not the deposit has been made.
Periodic statements. You will get a monthly account statement from us for your checking accounts. You will get a monthly account statement from us for your share savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
- Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
- Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give.
Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION'S LIABILITY

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:

If, through no fault of ours, you do not have enough money in your account to make the transfer.
If you have an overdraft line and the transfer would go over the credit limit.
If the automated teller machine where you are making the transfer does not have enough cash.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.

INFORMATION SHARING

We will disclose information to third parties about your account or the transfers you make:

where it is necessary for completing transfers; or
in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
in order to comply with government agency or court orders; or
as explained in the separate Privacy Disclosure.

UNAUTHORIZED TRANSFERS

(a) Consumer liability.

• Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. 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 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 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 a hospital stay) kept you from telling us, we will extend the time periods.

• Additional Limit on Liability for Visa Debit Card (Check Card). Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Debit Card (Check Card). This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by VISA®.

(b) Contact in event of unauthorized transfer.

If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call inside the United States 888-843-8328 or write us at the address listed in this disclosure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check or draft without your permission.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions about Your Electronic Transfers, Call or Write us 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 60 days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number (if any).
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

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 10 business days (5 business days for Visa Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) 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 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three 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.

INSIGHT CREDIT UNION
Attn: Member Services
P.O. Box 4900
Orlando, FL 32802

Insight Credit Union

2019 Remote Deposit Disclosure and Agreement

This Remote Deposit Capture Disclosure and Agreement governs the use of Insight Credit Union's (“Insight” or “the Credit Union”) Remote Deposit Capture service ("RDC" or "the Service").

Insight offers e-Deposits in association with deposit account(s) maintained at Insight by an Insight member. The terms of this agreement supplement all other agreements (now and/or in the future) that govern the use of additional accounts and services maintained by a member at Insight (now and/or in the future). Use of RDC is my acknowledgement and acceptance of the terms and conditions in this agreement.

In this agreement, the words "I," "me," "us," and "our" mean the Insight member that applied for and/or uses RDC.

Application for use of RDC, notification of my application approval, and the Insight Truth in Savings Disclosure are hereby incorporated into and made a part of this agreement. In the event of a discrepancy between this agreement and my Application, Insight approval, or the Account Agreement, this Disclosure and Agreement will control.

Use of the Service

After I receive notification from Insight approving my use of e-Deposits, I am authorized to remotely deposit paper checks into my Insight account by electronically transmitting a digital image of the paper checks to Insight. I agree to comply with the hardware and software requirements set forth in Exhibit "A," which is attached and incorporated to this reference.

Upon receipt, Insight will review the image for acceptability. I understand and agree that receipt of an image does not occur until after Insight notifies me of image receipt, via the Internet Banking Deposit History feature. I understand that notification from Insight confirming receipt of an image does not mean that the image contains no errors or that Insight is responsible for any information I transmit.

Insight is not responsible for any image it does not receive. Following receipt of the image, Insight may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, Insight reserves the right, at its sole and absolute discretion, to accept or reject any item for remote deposit into my Account. I understand that any amount credited to my Account for items deposited using RDC is a provisional credit, and I agree to indemnify Insight against any loss suffered because of Insight's acceptance of the remotely deposited check.
In addition I agree that I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, (ii) copy or reproduce all or any part of the technology or Service; or (iii) interfere, or attempt to interfere, with the technology or Service.

Compliance with Law

I agree to use the products and Service for lawful purposes and in compliance with all applicable laws, rules and regulations. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold Insight harmless from any damages, liabilities, costs, expenses (including attorneys' fees), or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Check Requirements

Any image of a check that I transmit to Insight must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to scanning the original check, I will endorse the back of the original check.

My endorsement will include my signature and the following information: Account Number, Date, and the words "For Remote Deposit Only" I understand that the scanned image of the check transmitted to you must accurately and legibly provide, among other things, the following information:

1) The information identifying the drawer and the paying bank that is preprinted on the
check, including complete and accurate MICR information and the signature(s).

2) Other information placed on the check prior to the time an image of the check is
captured, such as any required identification written on the front of the check and
any endorsements applied to the back of the check.

The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house, or association.

Rejection of Deposit

Insight is not liable for any service or late charges levied against me due to rejection of any item. I am responsible, in all cases, for any loss or overdraft plus any applicable fees due to an item being returned.

Items Returned Unpaid

A written notice will be sent to me of transactions Insight is not able to process because of returned items. With respect to any item that I transmit for remote deposit that is credited to my Account, in the event such item is dishonored, I authorize Insight to debit the amount of such item from my Account.

E-mail Address

I agree to notify Insight immediately if I change my e-mail address, as this is the e-mail address where I am sent notification of receipt of remote deposit items.

Unavailability of Service

I understand and agree that RDC may at times be temporarily unavailable due to Insight system maintenance or technical difficulties including, but not limited to, those of the Internet service provider and Internet software.

In the event that RDC is unavailable, I acknowledge that I can deposit an original check at any Insight branch, through any Insight ATM which accepts deposits, or by mailing the original check to Insight Credit Union.

It is my sole responsibility to verify that items deposited using RDC have been received and accepted for deposit. However, Insight will e-mail notification of rejected items by the next business day following rejection.

Business Day and Availability Disclosure

I understand that Insight business days are Monday through Friday, excluding holidays, and business hours are 9:00 am to 4:00 pm, Eastern Standard Time, each business day.

Funds Availability

I understand and agree that, for purposes of deposits made using RDC, the place of deposit is Orlando, Florida and funds will be available as set forth below:

Local Checks
Generally, the total amount of Funds deposited from a local check will be available on the second business day after the day of deposit. However, the first $200.00 will be made available to you on the same business day that the deposit is made.

Longer Holds
Funds deposited by check may be delayed for a longer period under the following circumstances: (a) Insight believes a check I deposit will not be paid; (b) I deposit checks totaling more than $5,000 in any one day; (c) I redeposit a check that has been returned unpaid; (d) I have overdrawn my account repeatedly in the last six months; (e) there is an emergency, such as a failure of computer or communications equipment; (f) third party checks; or (g) foreign collection items. Insight will notify me if my ability to withdraw funds is delayed for any of these reasons, and they will tell me when the funds will be available. Funds will generally be available no later than the eleventh business day after the day of deposit.

Deposit Times
Deposits received before 4:00 pm Eastern Standard Time on a business day will be processed on the same day. Exceptions may apply during holidays and/or special and emergency closings.

Accountholder's Warranties

I make the following warranties and representations with respect to each image of an original check I transmit using RDC:

1. Each image of a check transmitted to Insight is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.

2. The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate.

3. I will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid.

4. Other than the digital image of an original check that I remotely deposit through RDC, there are no other duplicate images of the original check.

5. I have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.

6. I am authorized to enforce each item transmitted or am authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.

7. The information I provided in my Application remains true and correct and, in the event any such information changes, I will immediately notify Insight of the change(s).

8. I have not knowingly failed to communicate any material information to Insight.

9. I have possession of each original check deposited using RDC and no party will submit the original check for payment.

10. Files and images transmitted contain no viruses or any other disabling features that may have an adverse impact on Insight's network, data, or related systems.

Storage of Original Checks

I must securely store each original check. If I am using RDC to deposit items into an account in the name of a Business to which I am a party, I understand this means the original check(s) must be accessible only [under dual control] by my authorized personnel, that I deposit using the Services for a period of sixty days after transmission to Insight. Persons who have access to the stored checks must be fully bondable and have passed a thorough screening. After such period expires, I will destroy the original check. I understand and agree that I am responsible for any loss caused by my failure to secure and/or destroy the original checks.

Accountholder's Indemnification Obligation

I understand and agree that I am required to indemnify and hold Insight harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys' fees and expenses arising from my use of e-Deposits and/or breach of this Disclosure and Agreement. I understand and agree that this paragraph shall survive the termination of this Agreement.

In Case of Errors

In the event that I believe there has been a breach of this Agreement or an error with respect to any original check or image transmitted to Insight, I will immediately contact Insight Credit Union regarding such breach or error as set forth below.

If I do not contact Insight immediately, I understand that the statement dispute policy and timeline applies.

Limitation of Liability

I understand and agree that Insight is not responsible for any indirect, consequential, punitive, or special damages or damages attributable to my breach of this Disclosure and Agreement.

Charges for Use of the Services

All charges associated with RDC are disclosed in the Insight Credit Union Fee Schedule.

Warranties

I UNDERSTAND THAT INSIGHT 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 MY PERSONAL COMPUTER HARDWARE, SOFTWARE, OR OTHER EQUIPMENT.

Change in Terms

Insight may change the terms and charges for RDC indicated in this Disclosure and Agreement by notifying me of the change in writing and may amend, modify, add to, or delete from this Disclosure and Agreement from time to time. My use of RDC after receipt of notification of any change constitutes my acceptance of the change.

Termination of the Services

I may, by written request, terminate the Services provided for in this Disclosure and Agreement. Insight may terminate my use of the Services at any time without written notice. In the event of termination of the Services, I will remain liable for all transactions performed on my Account.

Relationship to Other Disclosures

The information in these Disclosures applies only to RDC. Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of my Insight Credit Union Account.

Governing Law

I understand and agree that this Disclosure and Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed in accordance with the internal laws of Florida notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. I also agree to submit to the personal jurisdiction of the courts of Florida.

Periodic Statement

Any remote deposits made through RDC will be reflected on my monthly account statement. I understand and agree that I am required to notify Insight of any error relating to images transmitted using RDC no later than 60 days after I receive the monthly periodic statement that includes any transaction I allege is erroneous. I am responsible for any errors that I fail to bring to Insight's attention within such time period.

Limitations on Frequency and Dollar Amount

I understand and agree that I cannot exceed the limitations on frequency and dollar amounts of remote deposits Insight has set forth.

Unacceptable Deposits

I understand and agree that I will not deposit the following items using RDC:

1. Any item drawn on my Insight Credit Union account or my affiliate's account at Insight Credit Union.

2. Any item that is stamped with a "non-negotiable" watermark.

3. Any item that contains evidence of alteration to the information on the check.

4. Any item issued by a financial institution in a foreign country.

5. Any item that is incomplete.

6. Any item that is "stale dated" or "post dated."

7. Any third party check, i.e., any item that is made payable to another party and then endorsed to me by such party.

Confidentiality

I acknowledge and agree that confidential data relating to your Service, marketing, strategies, business operations and business systems (collectively, "Confidential Information") may come into my possession in connection with this Disclosure and Agreement. I understand and agree that I am prohibited from disclosing and agree to maintain the confidentiality of your Confidential Information.

Waiver

The failure of either party to seek a redress for violation, or to insist upon the strict performance, of any covenant, agreement, provision, or condition hereof shall not constitute the waiver of the terms or of the terms of any other covenant, agreement, provision, or condition, and each party shall have all remedies provided herein with respect to any subsequent act which would have originally constituted the violation hereunder.

Relationship

This Disclosure and Agreement does not create, and shall not be construed to create, any joint venture or partnership between the parties. No officer, employee, agent, servant, or independent contractor of either party shall at any time be deemed to be an employee, servant, agent, or contractor of the other party for any purpose whatsoever.

Appendix A – System Requirements

· A compatible operating system, such as:

o iOS 11 and newer

o Android OS 6.0 and newer for mobile handsets and tablets

· and either:

o Access to the Internet using the default browsers included by your mobile device manufacturer; or

o The latest version of “Insight Credit Union” app compatible with your device platform

Insight Credit Union Alerts Terms and Conditions

Alerts. Your enrollment in Insight Credit Union Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Insight Credit Union account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Insight Credit Union reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Insight Credit Union Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop alerts via text message, text "STOP" to 72080 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Insight Credit Union Online Banking. For help with SMS text alerts, text “HELP” to 72080. In case of questions please contact customer service at 407-426-6000. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Insight Credit Union provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Insight Credit Union’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Insight Credit Union, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.

Disagree

Agree