Policies and Disclosures

Nusenda Credit Union, your member-owned financial cooperative, is committed to providing financial services to meet your needs and reach your financial goals. We are equally committed to protecting our members' privacy. You can be confident that your financial privacy is a priority at your Credit Union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. This notice applies to the Credit Union and our affiliated companies which are controlled by the Credit Union, including Nusenda Services, LLC.

Terms and Conditions

Review the Account Information Brochure in its entirety. Please visit one of our branches if you would like an account information brochure.

Folleto de información de cuenta.

Terms and Conditions

Review the Business Account Information Brochure in its entirety. Please visit one of the branches if you would like a Business Account Information Brochure.

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.

Business Days

For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

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 share draft or share savings account(s).
• Preauthorized payments. You may make arrangements to pay certain recurring bills from your share draft or share savings 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.

Access 24 Telephone Transfers — types of transfers

You may access your account by telephone 24 hours a day at 505-888-8920 or 1-800-356-3178 using your personal identification number, a touch tone phone, and your account numbers, to:

• Transfer funds from account to account or member to member
• Transfer funds from Extra Credit line of credit to account(s)
• Make payments from account(s) to loan account(s) with us

CU Anytime/ATM Transfers — types of transfers and dollar limitations

You may access your account(s) by ATM using your VISA Debit Card or CU Anytime Card and personal identification number, to:

• Make deposits to share draft or share savings account(s) with a VISA Debit Card or CU Anytime ATM card only at CU Anytime and CO-OP Network machines.
• Get cash withdrawals from share draft, share savings, or Extra Credit line-of- credit account(s) with a VISA Debit Card or CU Anytime ATM card.
• Withdraw up to $500 through an ATM* per card within a 24-hour period. This limit is subject to change.
• Transfer funds from account to account with a VISA Debit Card or CU Anytime ATM card.

Interactive Teller Machines (ITM) and Personal Teller Machines (PTM)

You may access your account(s) by using one of our ITMs and PTMs. For more information or locations of these service, please log into on-line banking or contact 505-889-7755 or 800-347-2838.

VISA Debit Card Transactions

You may access your Share Draft account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

• Debit Card Transactions with signature may not exceed $2,500 within a 24- hour period. This limit is subject to change.
• Debit Card Transactions through PIN or Point of Sale (POS) may not exceed $1,000 within a 24-hour period. This limit is subject to change.

Currency Conversion and International Transactions

When you use your VISA Debit Card, Credit Card, or ATM Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Visa USA charges us a 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.

Advisory Against Illegal Use

You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Non-Visa Debit Transactions

Nusenda Credit Union enables non-Visa debit transaction processing and does not require that all such transactions be authenticated by a PIN. A non-Visa debit transaction may occur on your Nusenda Credit Union debit card through the PULSE/COOP Network. Below are examples to distinguish between a Visa debit and non-Visa debit transaction:

• To initiate a Visa debit transaction at the point of sale, the cardholder signs a receipt, provides a card number (e.g., in e-commerce or mail/telephone order environments) or swipes the card through a point-of-sale terminal.
• To initiate a non-Visa debit transaction, the cardholder enters a PIN at the point-of-sale terminal or, for certain bill payment transactions, provides the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction.

A non-Visa debit transaction will not provide the zero-liability protection benefit, and if a Rewards program is present, a non-Visa debit transaction may not be an eligible Rewards transaction.

Provisions of the cardholder agreement relating only to Visa transactions are inapplicable to non-Visa transactions.

Internet Banking and Mobile Application — types of transactions

You may access your account(s) by visiting www.nusenda.org with either a computer or an internet enabled mobile device using login credentials created by you. You may also access your account by downloading the app from either the Apple Store or Google Store. You may use the login credentials created by you to:

• Transfer funds between your accounts with us.
• Transfer funds from Extra Credit line of credit or Home Equity line of credit accounts to your accounts with us.
• Make payments from account(s) to loan account(s) with us.
• Access to “Online Bill Payer” to: Pay bills directly, by using a personal computer and code, from your share draft account in the amounts and on the days of your request.
• Transfer funds to third parties both with us and with other institutions.
• Get information about:
• The account balance and activity of all accounts with us.
• The account balance and activity of all loans with us.
• The account balance and activity of all credit card accounts with us.
• The account balance and activity of all mortgage loans with us.

ATM Operator/Network Fees

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

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 505-889-7755 to find out whether or not the deposit has been made.
• Periodic statements. You will get a monthly account statement from us for your share draft accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

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:

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

Confidentiality

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

1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. In order to comply with government agency or court orders; or
4. 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 protecting the funds in your account. If your card or account information has been compromised, you could lose all of the money in your account plus funds in your account could be utilized up to and including 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 as much as $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. Unless you have been negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA®. Visa is a registered trademark of Visa International Service Association.

(b) Contact in event of unauthorized transfer

If you believe your card and/or If code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure 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 at the telephone number or address listed in this disclosure, 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.

1. Tell us your name and account number (if any).
2. 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.
3. 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.

NUSENDA CREDIT UNION
CARD SERVICES
P.O. BOX 8530
ALBUQUERQUE, NEW MEXICO 87198
BUSINESS DAYS: MONDAY THROUGH FRIDAY EXCLUDING FEDERAL HOLIDAYS
PHONE: 505-889-7755 or 1-800-347-2838

For inquiries regarding “Online Bill Payer” transactions, contact:
NUSENDA CREDIT UNION
P.O. BOX 8530
ALBUQUERQUE, NEW MEXICO 87198
PHONE: 505-889-7755 or 1-800-347-2838
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

COURTESY PAY DISCLOSURE
WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS, OVERDRAFT FEES AND OPTING-IN
TO ONE TIME DEBIT
Please review carefully and save a copy for your records

This disclosure explains our standard overdraft practices.  For an explanation of how Nusenda determines whether an overdraft occurred, how to qualify for and maintain access to Courtesy Pay Service, and how to avoid overdrafts, please carefully review Nusenda’s Account Information Brochures for Consumers.

What is an overdraft and what options does Nusenda offer?

An overdraft occurs when you do not have enough money in your checking account to cover a transaction, and we pay it anyway.  We can cover overdrafts in several ways:

1.     Courtesy Pay: added automatically on qualified checking accounts to cover unintentional overdrafts and emergencies.  This is not a line of credit and any resulting overdrawn balance must be promptly repaid.  There are fees associated with using this service.

2.     Overdraft Transfers:  automatic transfers can be set up from any share (savings) or money market account to transfer money from that account to your share draft (checking) account to cover unintentional overdrafts.  This must be set up and can be done by contacting the credit union or stopping into any branch location.  There are no fees for using this service.    

3.     Line of Credit: 

revolving line of credit attached to your share draft (checking) account that can be set up to automatically advance to your share draft (checking) account to cover unintentional overdrafts.  There is not a fee for the transfer and interest applies on all amounts advanced.   

To learn more, ask us about these plans by visiting one of our branches or contacting us at 505-889-7755 (800-347-2838 outside of Albuquerque area),  Monday through Friday from 7:30 a.m. to 6 p.m., or Saturday from 8 a.m. to 3 p.m.

What comes with Nusenda’s Courtesy Pay Service?

• We authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using your checking account number
  • Automatic bill payments and other pre-authorized transactions
  • Debit card transactions requiring a signature and authorized on a positive available balance  

• We do not authorize or pay overdrafts for the following transactions:
  
  • ATM Transactions
  • Debit card transactions requiring a PIN and authorized on a positive available balance

We authorize and pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  If we do not authorize and pay an overdraft, your transaction will be declined.

One-Time Debit Transaction Overdraft Coverage

Nusenda offers coverage on debit card transactions, this is called One-Time Debit overdraft.  You must opt-in to use this service.  There are fees associated with using this service.    To learn more, ask us about One-Time Debit by visiting one of our branches or contacting us at 505-889-7755 (800-347-2838 outside of Albuquerque area), Monday through Friday from 7:30 a.m. to 6 p.m., or Saturday from 8 a.m. to 3 p.m.

Right to Revoke Authorization:  If you choose to opt-in to one-time debit, you may revoke your election to opt-in to one-time debit to cover overdrafts caused by everyday Debit/ATM Card transactions by calling 505-889-7755 (800-347-2838 outside the Albuquerque area); through online banking, or visiting a branch location.

What fees will I be charged if Nusenda pays my overdraft?

Fees applicable to Courtesy Pay and One-Time Debit Transactions:

• We will charge you the following each time we pay an overdraft using Courtesy Pay:
  

  1^st - 5^th Items                           No Charge
  6^th or more items                    $10.00
  

• We may authorize and pay transactions that overdraw the current balance of your account up to $500 at any one time. If the overdrawn amount PLUS the applicable fee would result in an overdrawn current balance of greater than $500, the transaction will not be authorized/paid.

• Insufficient Fund (NSF) fee tier structures are based on the number of NSF items incurred on an account over a rolling 12-month period. All items are subject to the tier structure in terms of the number or count of occurrences in the rolling 12-month period, however, debit card NSF items are assessed a $0 NSF fee regardless of NSF fee tier level count. 

For a more complete list of fees, rates, and information, visit www.nusenda.org. 

Procedures for opening a new account in regards to the USA PATRIOT ACT 2001.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

The Fair Credit Reporting Act allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided or requested through our Site are not intended to constitute the disclosure of information by a credit reporting agency as required by the Fair Credit Reporting Act or similar laws.

You are entitled to receive a complimentary copy of your credit report from a credit reporting agency if:

• You have been denied credit, insurance, employment within the past sixty (60) days based on information in a credit report provided by such agency.
• You certify in writing you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.
• You are a recipient of public welfare assistance.
• You have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.

It may be the policies of Equifax, Experian and/or TransUnion to provide a complimentary copy of the consumer credit report under circumstances other than those described above. If you wish to contact Equifax, Experian or TransUnion to obtain a copy of your credit report directly from such agency or if you wish to dispute information contained in an Equifax, Experian or TransUnion credit report file, see the contact information and dispute process description contained on each credit reporting agency site.

The Fair Credit Reporting Act provides that you may dispute inaccurate or incomplete information in your credit report. YOU ARE NOT REQUIRED TO PURCHASE YOUR CREDIT REPORT IN ORDER TO DISPUTE INACCURATE OR INCOMPLETE INFORMATION IN YOUR REPORT OR TO RECEIVE A COPY OF YOUR REPORT FROM EQUIFAX, EXPERIAN OR TRANSUNION, THE THREE NATIONAL CREDIT REPORTING AGENCIES, OR FROM ANY OTHER CREDIT REPORTING AGENCY.

  

A member may have membership privileges revoked for non-participation. Non-participation is based upon any one of the following:

• The member's failure to purchase and maintain a share at par value as defined within the Bylaws (currently $5 with 6 months to complete the purchase), or
• The member's failure to vote in three (3) consecutive annual credit union elections, or
• The member maintains only a share at par value and has failed to obtain a loan from, or lend to the Credit Union for a period of at least 6 months. Additionally, the member has not responded to direct communication to become a participating member within 30 days from non-participation notification.

You may use your Visa Debit Card to initiate both Visa Debit transactions and non-Visa Debit transactions without using a personal identification number (PIN) to authenticate the transactions.

To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network.

To initiate a non-Visa Debit transaction, you may enter a PIN at a point-of-sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa Debit transaction processing on the PULSE OR PLUS network(s).

The rights and protections applicable only to Visa Debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Funds Transfer Agreement and Disclosure will not apply to transactions processed through non-Visa networks.

Insurance on Your Accounts

Your deposits are insured up to $250,000, per Social Security Number or Tax ID Number, for each account with a different “ownership” type, and backed by the full faith of the United States Government through the National Credit Union Administration (NCUA).

You are signing up to use the Nusenda Federal Credit Union ("Credit Union") Person to Person service and External Transfer service that allow you to send funds to another person or to yourself at another financial institution. This E-Signature and Electronic Disclosures Agreement ("E-Sign Agreement") applies to all communications, documents, disclosures and electronic signatures related to the products, services and transfers offered or accessible through the Service offered by your Credit Union for all cardholders, authorized users, account owners, account signers, applicants, and any other person using this Service as a Sender or Recipient or registering to use this Service.

Agreement to Conduct Transactions by Electronic Means

You agree to conduct the transfers offered through the Service by electronic means and acknowledge that all documents, disclosures, forms and other information related to such transactions will be provided to you through a mobile or web-based electronic interface or email. Each time you use this Service and submit information to the Credit Union you agree to the electronic access, receipt and acceptance of documents, disclosures and forms. You may not use this Service unless you agree to receive documents by electronic means.

You further agree that you intend to electronically contract with us for the Service and that all transactions completed through this Service will result in valid and legally binding agreements. You also agree that you have adequate access to a computer or mobile phone with sufficient internet connectivity to conduct these transactions online. You acknowledge that you meet the hardware and software requirements to access this Service as described below.

Agreement to Use Electronic Signatures

By checking the "I accept the terms of service" check box you are electronically signing this E-Sign Agreement and the Terms of Use related to the Services. You specifically agree that any electronic signatures that you provide through this online process are valid and enforceable as your legal signature. You acknowledge that these electronic signatures will legally bind you to the terms and conditions contained in the E-Sign Agreement and Terms of Use documents just as if you had physically signed the same documents with a pen.

Agreement to Receive Disclosures Electronically

You agree to receive all legal and regulatory notices, disclosures and other communications associated with your registration or use of this Service through electronic means including web-based electronic interface, mobile phone interface or email.

Availability of Printed Copies

We recommend that you print and retain copies of any of the E-Sign Agreement and Terms of Use, disclosures, or other related documents from your computer, mobile phone or other access device associated with all transactions utilizing the Service. There is no charge for you to download and print these documents.

Contact Information

To use this Service you must provide your current email address so that we can send you important information related to your use of this Service. You may review and update the personal information maintained about you in the "My Profile – Manage Contact Info" section of the Site at any time to ensure that it is accurate.

Credit Union External Transfer and Person to Person Service Agreement and Terms of Use ("Terms of Use")

These Terms of Use set forth the terms and conditions under which the Service is offered. The Service allows a Sender to transfer funds to a Recipient through electronic means. These Terms of Use affect your rights, you should read them carefully.

Unauthorized use of these systems is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18, U.S. Code Sec. 1001 and 1030. Credit Union or its Service Provider may monitor and audit usage of this system. You are hereby notified that the use of this system constitutes consent to such monitoring and auditing.

Any Account accessed through the Service is also subject to the terms and conditions of your Account as identified within your Account Information Brochure, (AIB). You should review the AIB carefully, as they may include transaction limitations and fees that might apply to your use of the Service.

1. Definitions

"Account" or "Accounts" refers to any accounts that may be debited or credited with funds under these Terms of Use.

"Recipient" means the account holder or cardholder to whom the Sender transfers funds.

"Sender" is the Credit Union Cardholder that transfers funds to another person through the Service.

"Service" means the Person to Person or ac that allows a Sender to send funds to Recipient.

"Service Provider" is Payrailz a company that arranges for person-to-person payments to customers of any U.S. financial institution.

"Site" is the Service Provider's electronic location accessed by a user through a mobile phone, computer or other access device.

"Transfer" means an electronic movement of funds from an account at Credit Union to an account of another party or an account at another institution by means of the Service.

"Transfer Instructions" are the information that you provide when using the Service.

"Us," "We," and "Our" means Credit Union.

"You" and "Your" mean each person who applies or registers to use the Service and each person who uses the Service, including both the Sender and Recipient of a Transfer.

2. Description of Service and Consent

Credit Union debit cardholders may send one-time Transfers to Credit Union members or a depositor of another financial institution. You may originate these Transfers by use of a computer or a mobile smart phone. For Person to Person transfers only — notice is given to the Recipient by the Sender providing the Recipient's email address or mobile phone number. To use this Service you are providing information to our Service Provider from your mobile phone, desktop, laptop, or other computer. Service Provider is a vendor of Credit Union.

By participating in any transfer service offered by Nusenda Credit Union, you are representing to the Credit Union that you are the owner or you have the authority to act on behalf of the owner of the mobile phone number or email address you are using to send or receive messages regarding Transfers. In addition, you are consenting to the receipt of emails or automated text messages from the Credit Union or its agent, regarding the Transfers and represent to the Credit Union that you have obtained the consent of the Recipients of your intended Transfers.

Funds may be transferred to any account in the United States as long as the Transfer is legal and allowed by the financial institutions involved.

3. Eligibility

Individuals aged 18 and older with a debit card issued by Credit Union are eligible to use this Service to send funds to a Recipient. Any individual age 18 years and older with an account in the United States that may receive POS or ACH transactions may use this Service to receive funds that are transferred by the Sender. The Service is not offered to individuals under the age of 18. Other restrictions and eligibility requirements apply as described in this Agreement or other disclosures. Credit Union does not knowingly collect any personal information from or about individuals under 18 years of age. Please do not submit such information to the Credit Union, and as a parent or legal guardian, please do not allow your children to submit personal information without your permission. By using the Site or the Service, you represent that you meet these requirements.

4. Transfers

You may make one-time, future dated or recurring Person to Person Transfers with an open and active Share Draft Account. The Sender provides the Recipient's email address or mobile phone number, and the Service uses this information to notify the Recipient. A Recipient must accept the Transfer within 7 days, or the Transfer will be cancelled. Once the Recipient has successfully accepted the Transfer, funds will be sent to the Recipient's financial institution for deposit to the Recipient's account. Future payments to the same Recipient will default to the delivery method entered by the Recipient. Transfers are electronic and can be delivered in real-time, via debit card, or next business day, via ACH to the Recipient's financial institution once claimed. Credit Union is not responsible for any failure of another financial institution to timely credit its customer's account.

You acknowledge and agree that Transfers will be completed using only the email address or mobile phone number you enter even if it identifies a person different from your intended Recipient. The name you enter will help you identify your intended Recipient in the Person to Person tab but will not be used to process payments. You must accurately enter the Recipient's email address or mobile phone number since your obligation to pay for the Transfer will not be excused by an error in the information you enter.

Transfer Instructions relating to external accounts and the transmission and issuance of data related to such Transfer Instructions shall be received pursuant to the terms of this Agreement, and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house, as well as any EFT Network, or networks, utilized to automate the transfer of funds and governed by Regulation E, (collectively, the "Rules"). The parties agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to an Account shall be provisional until the Credit Union or the third party institution, which holds the account, has finally settled such credit.

It is the responsibility of the Sender and Recipient of funds to provide accurate information. You agree that you as Sender are authorized to withdraw or as Recipient are authorized to deposit funds into the Accounts whose numbers you provide. You authorize the Credit Union, directly or through third parties, to make any inquires considered necessary to validate your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report and verifying your information against third party databases or through other sources.

You authorize the Credit Union to debit your account to complete the Transfer you request. If you are receiving funds, you authorize the crediting of your account using card networks or NACHA.

For a complete list of your rights and responsibilities regarding electronic funds transfers, including time frames for disputing such transactions, refer to our Account Information Brochure (AIB) at nusenda.org.

5. Sender Acknowledgment

By using this Service you, as the Sender, authorize the sending of an email or text message instructing the Recipient how to receive the funds that you are sending. You are further authorizing any Recipient of this message to act on the instructions to receive the funds you are sending. You acknowledge that any party receiving the email message at the email address you provide or text message at the mobile phone number you provide may obtain the funds you are sending.

You acknowledge and agree that we are not responsible for determining the identity of the party who receives the email or text message and acts upon the email or text message you provide. Your funds may not reach the intended Recipient because of errors made by the Sender or Recipient and you could lose all the funds. The funds that are credited to the account cannot be recalled by us. If you suspect that you have entered information incorrectly, call us immediately and we may be able to cancel the Transfer. We have no obligation to cancel the Transfer or to reimburse funds that were transferred according to the Sender's instructions. Furthermore, we may reject any Transfer request and may terminate your use of this Service for any reason including attempting insufficient funded Transfers.

6. Fees and Limitations on Transfers

Users 90 days or newer may not exceed a daily transaction limit of $750.00. Existing users older than 90 days may not exceed a daily transaction limit of $2,000.00. Multiple transfers may be sent each day; however we may modify the amount and frequency of Transfers, or revoke the service at any time for security reasons or due to account activity.

Funds may be transferred from the shared draft account authorized to transfer funds. Such transfers will not be sent if there are insufficient funds in account. Accounts are only debited for payments that are processed. Canceled payments will never be debited. In any of these situations, a transfer fee will be charged, as applicable. You may be denied service for insufficient funds in your account. You will be responsible for any other transaction fees that apply to your Account.

Please note that your mobile carrier may charge you for text messaging. Please check your mobile service agreement for details on applicable fees. The receiving institution may have limits on the number and type of Transfers allowed and may also charge a transaction fee.

7. Timing of Transfers

Transfers to remove the funds from the Sender's Account may take place immediately. However, the timing of funds received will depend on when the Recipient responds to the text or email and when their financial institution posts the Transfer. The posting of the Transfer is dependent on the business days of that institution.

8. Issues Affecting the Posting of Transfers

You authorize us to debit your account to complete the Transfer you request. If you are receiving funds, you authorize the Credit Union to credit your Account using card networks/switches or NACHA.

Other events may affect the timing or success of a Transfer reaching the intended Recipient. Such events may include, but are not limited to, errors made by the Sender or Recipient in entering information, inaccurate account or card number information, delays in posting by the receiving institution, acts of God, and network and NACHA interruptions. If we believe the Transfer may be illegal, we may decline or reverse the Transfer. The receiving institution may choose not to post the Transfer or to delay posting the Transfer. Neither the Credit Union nor the Service Provider is responsible for any delays in the Transfer of funds or the posting of funds to the Recipient's Account. You may have certain rights and responsibilities regarding the failure to timely post transactions and you are encouraged to pursue dispute resolution with the receiving financial institution.

Financial institutions have rules and regulations that govern their accounts. Some of these regulations may not allow a POS or ACH transfer of funds. You are responsible for ensuring that these types of Transfers are allowed for the Account that you specify. For example, an IRA may not allow electronic transfers directly into the Account. We are not responsible for any action or lack of action taken by the financial institution that delays, inhibits, or prevents the posting of the Transfer to the Account.

9. Security

If the financial institution contacts us or our Service Provider for information regarding your Account, you authorize us to discuss the Transfer and the account information you have provided.

10. Cookies, Browser Information and Related Issues

When you visit the Site, the Service Provider may receive certain standard information that your browser sends to every website you visit, such as the originating IP address, browser type and language, access times and referring website addresses, and other information. This data may be used, among other uses, to improve the operation of the Site and to improve the security of the Site and Service by assisting in "authenticating" who you are when you access the Site or Service.

The Service Provider may also receive additional information about your visit to the Site, including the pages you view, the links you click and other actions you take in connection with the Site and the Service. This data may be used, among other uses, to improve the operation of the Site and the Service.

Like most websites, the Site also uses "cookies," which are small data files placed on your computer or other device by the web server when you visit the Site. Most such cookies are "session" cookies that are only used for a specific period during which you are on the Site, but a few are "persistent" cookies that stay on Your hard drive and are read by the web server when you return to the Site (unless you erase them). The Site uses cookies to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content on your later visits to the Site. These cookies are linked to personal information about you, such as your email address. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. However, if you choose to decline cookies, you may not be able to sign in or use other interactive features of the Site that depend on cookies.

You may encounter the Service Provider's cookies or pixel tags on websites that we do not control. For example, if you view a web page created by a third party or use an application developed by a third party, there may be a cookie or pixel tag placed by the web page or application.

11. Access to Information about You

You may review and update the personal information maintained about you in the "My Profile – Manage Contact Info" section of the Site at any time to ensure that it is accurate.


Once you close your Accounts with the Credit Union you may no longer send Transfers. However your Account information will be maintained for a retention period to accommodate any residual issues that may arise.

12. Amendments

Credit Union may amend these Terms of Use or any other disclosures at any time by posting a revised version on the Site. The revised version will be effective immediately at the time it is posted, unless a delayed effective date is expressly stated therein. Credit Union may also provide you with an email notification of such amendments. The Credit Union may require you to affirmatively acknowledge or accept the revised Terms of Use in order to continue using the Service. Any use of the Service after a notice of change (whether by Site posting, email, or express acknowledgment or acceptance) will constitute your express agreement to such changes.

13. Limitations of Warranties

THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A 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 THE SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OR CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF CREDIT UNION AND ITS AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, BUT NOT LIMITED TO, ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS OR OTHER REASONS.

14. Limitation on Liability

IN NO EVENT SHALL CREDIT UNION OR ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM.

15. Limitation on Damages

CREDIT UNION'S AGGREGATE LIABILITY AND THE AGGREGATE LIABILITY OF ITS AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). 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.

16. Time for Making a Claim

IN NO EVENT SHALL CREDIT UNION OR ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OF COMPETENT JURISDICTION WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY.

17. Indemnification

You agree to indemnify, defend, and hold Credit Union and its affiliates, officers, directors, employees, consultants, agents, service providers and licensors harmless from any and all third party claims, liability, damages, and/or costs (including but not limited to reasonable attorneys' fees) arising from your use of the Service, our reliance on the Transfer instructions and other information you provide, the performance or non-performance of other financial institutions, or other signers, owners or users of your Accounts.

18. Severability

If any provision of these Terms of Use are found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force.

19. Disclosure Access 

You may access our Privacy Policy at nusenda.org relating to the collection and use of your information.

Credit Union members may access Our Electronic Fund Transfer (EFT) disclosure by viewing our Account Information Brochure (AIB) at nusenda.org. Non-Credit Union members should consult their financial institution for their EFT disclosures.

20. Contacting Us

If you have any questions about this Service or this Agreement, you may contact us at the phone number or postal address below:

Nusenda Federal Credit Union
505-889-7755 | 800-347-2838
P.O. Box 8530
Albuquerque, NM 87198

Mobile Capture, Remote Deposit Capture, Online Bill Payer and Business Internet Banking

Unauthorized Access

If an unauthorized person uses your user ID, password, and/or personal security questions to gain access to the Online Banking Service, we will complete all transactions as instructed. This is why it is important for you to notify us if your user ID, password, and/or personal security questions have been compromised in some manner. Until you do so, we may treat all instructions as having been authorized by you. We will have no liability for any unauthorized transactions other than as provided by federal laws and regulations governing electronic funds transfers. Please review the liability provisions in Account Information Brochure relating to your rights and obligations if someone uses your access security codes or information without your permission.

Mobile Capture and Remote Deposit Capture

These terms (as amended and/or supplemented, this "Agreement") govern Member's use of Nusenda Federal Credit Union's ("Credit Union") Remote Deposit / Mobile Deposit Service ("Remote Deposit / Mobile Deposit" or "Service"). Credit Union offers Remote Deposit / Mobile Deposit under this Agreement only in association with one or more deposit accounts maintained by Member at Credit Union. The terms, provisions and conditions of this Agreement do not replace, but supplement, any and all other agreements (whether now or in the future) that govern any account maintained by Member at Credit Union (whether now or in the future) or any other Credit Union services utilized by Member (whether now or in the future). Member's use of the Service is Member's acknowledgement of and acceptance of the following terms and conditions.

Terms and Conditions

1. General Description of Remote Deposit / Mobile Deposit

Subject to the terms, provisions and conditions of this Agreement, Credit Union will provide Remote Deposit / Mobile Deposit to Member, to allow Member to make deposits to Member's checking, money market accounts and the primary savings account, to the extent Credit Union authorizes Member to use Remote Deposit / Mobile Deposit for such account (each such deposit account an "Account" and, collectively, the "Accounts") from Member's home or office by either scanning checks on a desktop scanner or capturing check images on a mobile device. These images and information required will then be delivered hereby to Credit Union or Credit Union's designated processor (a "Processor"). Member may make deposits to IRA accounts, Member agrees that all IRA deposits will be considered Current Year contributions and Member bears the sole responsibility for all tax consequences from the deposit. The terms Credit Union and Processor may be used interchangeably when used in relation to any services performed by a Processor on behalf of Credit Union including, but not limited to, the receipt and processing of images and check data and any notices related thereto. The scanner or mobile device must capture an image of the front and back of each Check (as herein defined) to be deposited (each an "Image" and, if more than one, "Images") in accordance with the Procedures (as herein defined), must read and capture the magnetic ink character recognition ("MICR") line on each check and must read and capture all such other data and information as is required by this Agreement. After capture of the Images, the MICR line on each check and all other required data and information from each check, Member will transmit one or more files containing the Images, the MICR line from each check and all other required data and information from or pertaining to all checks, data and other required information (each such file a "File" and, if more than one, "Files") to Credit Union or Processor via the Internet. Subject to compliance with the terms, provisions and conditions of, and as provided in, this Agreement, and subject to Credit Union's Funds Availability Policy Credit Union will provisionally credit the Account or Accounts designated by Member for the amount of the deposit(s) to which the File(s) pertains on the day of receipt of the File(s) and enter the images of the checks into the collection process in accordance with the provisions of Credit Union's then current Disclosure for Personal Accounts pertaining to the Account(s) into which the deposit is to be made (the "Deposit Agreement") and this Agreement. Funds from deposits may not be available for immediate withdrawal and are subject to Credit Union's Funds Availability Policy. Member acknowledges and agrees that Credit Union may discontinue, and/or change the terms of, Remote Deposit / Mobile Deposit or any related content, features, products or services associated therewith, at any time without notice or liability to Member or any third party. Member agrees to comply with and complete any Member training requirements of Credit Union for the Remote Deposit / Mobile Deposit Service.

2. System Requirements

Member understands it must, and hereby agrees to, at its sole cost and expense, use computer hardware and software that meet all technical requirements for the proper delivery of Remote Deposit / Mobile Deposit and that fulfills Member's obligation to obtain, and maintain, secure access to the Internet. Member understands and agrees it may also incur, and shall pay, any and all expenses related to the use of Remote Deposit / Mobile Deposit, including, but not limited to, telephone service or Internet service charges. Member is solely responsible for the payment of any and all costs and expenses associated with meeting and maintaining all technical requirements and additional items necessary for the proper use of Remote Deposit / Mobile Deposit. Member understands and agrees that it is solely responsible for the operation, maintenance and updating of all equipment, software and services used in connection with Remote Deposit / Mobile Deposit and the cost thereof, and Member hereby agrees that it will perform, or cause to be performed, all vendor recommended maintenance, repairs, upgrades and replacements, and such performance shall be rendered by properly trained personnel. Credit Union is not responsible for, and Member hereby releases Credit Union from any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using electronic mail or the Internet. Credit Union is not responsible for, and Member hereby releases Credit Union from any and all claims or damages resulting from, or related to, defects in or malfunctions of Member's computer hardware or software, or failures of or interruptions in any electrical, telephone or Internet services. Credit Union hereby advises Member, and Member hereby agrees to scan its computer hardware and software on a regular basis using a reliable computer virus detection product in order to detect and remove computer viruses. In connection with its use of Remote Deposit / Mobile Deposit, Member shall only use the hardware described in the Frequently Asked Questions section of Credit Union's website (nusenda.org) or such other hardware as is approved in advance by Credit Union and shall only use such software as is approved in advance by Credit Union.

All right, title and interest in and to (a) any and all computer programs, including, but not limited to, the object and source codes therefore, and any and all updates, upgrades, fixes and enhancements thereto and any and all documentation, user guides and instructions pertaining thereto (everything in this clause (a), collectively, "Software"), (b) Remote Deposit / Mobile Deposit Procedure Manual (defined herein below) and (c) any and all users guides, instructions and other documentation provided to, or used by, Member in connection with the Service (everything in this clause (c) together with the Remote Deposit / Mobile Deposit Procedure Manual, collectively, the "Documentation") shall be, and remain, the property of Credit Union or any third party Software provider, as applicable. Unless otherwise expressly authorized, Member may not (a) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service; (b) copy or reproduce all of any part of the technology or Service; and (c) interfere, or attempt to interfere, with the technology or Service.

3. Checks Deposited and Security Interest

Member hereby agrees that it will only scan and deposit a check(s) as that term is defined in Federal Reserve Board Regulation CC ("Reg CC"). Member agrees that the image of the check that is transmitted to Credit Union (each such check and other item a "Check" and, if more than one, "Checks") shall be deemed an "item" within the meaning of Article 4 of the Uniform Commercial Code as in effect in New Mexico. Member further agrees that it will not remotely deposit any check(s) or other item(s) that: (a) are payable to any person or entity other than Member, (b) are drawn, or otherwise issued, by Member or any affiliate of Member on any account of Member or of such affiliate, (c) are prohibited by Credit Union's then current procedures pertaining to the Service (the "Procedures") or are in violation of any law, rule or regulation, (d) Member knows or suspects, or should know or suspect, is fraudulent or otherwise not authorized by the owner of the account on which the Check is drawn, (e) have not been previously endorsed by a Credit Union and are either "substitute checks" (as defined in Reg CC or other applicable federal law or regulation) or "image replacement documents" that purport to be substitute checks, without Credit Union's prior written consent, (f) are drawn on financial institutions that are located outside of the United States or Territories of the United States, (g) is a Remotely Created Check, as that term is defined in Reg CC, (h) any single item or combination of items totaling $10,000 or more per business day, or (i) which are not acceptable to Credit Union for deposit into a deposit account as provided in the Deposit Agreement, which is incorporated herein by reference and made a part hereof (Checks described in clauses (a) through (h) each a "Prohibited Check" and, collectively, "Prohibited Checks"). If Member deposits a Prohibited Check, Member agrees to indemnify and reimburse Credit Union for, and hold Credit Union harmless from and against, any and all losses, costs and expenses (including reasonable attorney's fees) Nusenda Credit Union may incur associated with any warranty, indemnity or other claim related thereto. Furthermore, if, after first having obtained Credit Union's written consent to do so, Member provides Credit Union with an electronic representation of a substitute check for deposit into an Account instead of an original Check, Member agrees to indemnify and reimburse Credit Union for, and hold Credit Union harmless from and against, any and all losses, costs and expenses (including reasonable attorney's fees) Credit Union incurs because any such substitute check resulting from such electronic representation does not meet applicable substitute check standards and/or causes duplicate payments.

4. Scanning of Checks and Transmission of Files

Member shall properly install and use all software and hardware required by this Agreement or otherwise required for, or related to, the use of Remote Deposit / Mobile Deposit. Member shall (a) restrictively endorse each Check to be deposited in the proper location as follows:

The back of each item must include the following:

• The words "For Mobile Deposit at Nusenda Credit Union"
• The Membership Number
• The Account Number to which it is being deposited
• Payee's Endorsement
• Example:
• Back of item
• For Mobile Deposit at Nusenda Credit Union
• Member # 0000000, Account # 0
• Payee's Endorsement

(b) scan the front and back of each Check to be deposited and thereby capture the image of the front and back of each Check and capture the MICR encoding on, and any other required data from, each Check and

(c) transmit the File containing the images of, the MICR line from and all other required data and information from or pertaining to, such Checks and other information to Credit Union or its Processor in accordance with the Procedures, a copy of which Procedures have either heretofore been, or are herewith, provided to Member by Credit Union, and Member acknowledges receipt thereof. Credit Union reserves the right to amend the Procedures, with or without prior notice to Member.

Member agrees to, at all times, (a) comply with the Procedures, (b) safeguard the confidentiality and security of the Procedures, Security Procedures and all other proprietary property or information Credit Union provides to Member in connection with Remote Deposit / Mobile Deposit and (c) notify Credit Union immediately if Member has any reason to believe the security or confidentiality required by this provision has been or may be breached. Member acknowledges, understands and agrees the Security Procedures are not designed for the detection of errors. Credit Union is not, and will not be, obligated to detect errors by Member or others, even if Credit Union takes certain actions from time to time to do so.

To ensure accuracy, Member shall balance the dollar amount of each deposit to the sum of the Checks prior to transmitting the File in accordance with the Procedures. Member may send multiple Files to Credit Union or Processor throughout the day. Member shall not make deposits in excess of the limits established by Credit Union for the Member's Remote Deposit / Mobile Deposits (the "Scan Limit") Credit Union is authorized to determine and to change the Deposit Limit for the Member in Credit Union's sole discretion at any time. If the total dollar value of the Files sent by Member to Credit Union exceeds the Scan Limit, Credit Union may, at its option, refuse to accept the File that exceeds the Scan Limit, or Credit Union may accept and process the File. Member agrees not to exceed the Scan Limit. A File is considered received by Credit Union when a complete copy of such File has been written on a Credit Union electronic storage device in conformity with Credit Union's technical and operational requirements. For purposes of determining when a File has been delivered and received, Credit Union's records shall be determinative. A File which is not balanced in accordance with the Procedures shall be deemed to have been received on the business day following the business day on which the File is actually received by Credit Union ("business day" means any day which Credit Union is open to conduct substantially all of its services, but shall not include Saturday, Sunday or federal holidays). Credit Union reserves the right to change the number of Files that may be transmitted in a day and the Scan Limit. All such changes shall be effective immediately and may be implemented prior to Member's receipt of notice thereof. Member may contact Credit Union during normal business hours to verify the current number of Files that may be transmitted in a day and the Scan Limit.

5. Maintenance and Destruction of Original Check

Member shall mark the original Check "Processed" or "Scanned" before or during the process of scanning the Check in accordance with Section 4 of this Agreement. Member shall securely store all original Checks for a period of forty-five (45) days after Member has received notice from Credit Union that the File containing the images of such Checks has been accepted (such period the "Retention Period"). During the Retention Period, Member shall take appropriate security measures to ensure that: (a) only authorized personnel shall have access to original Checks, (b) the information contained on such Checks shall not be disclosed, (c) such Checks will not be duplicated or scanned more than one time and (d) such Checks will not be deposited or negotiated in any form. Member shall destroy original Checks upon the expiration of the Retention Period applicable to such Checks. Member will use commercially reasonable methods of destruction approved by Credit Union to destroy original Checks after expiration of the Retention Period. Member hereby indemnifies Credit Union for, and holds Credit Union harmless from and against, any and all claims, demands, actions, causes of action, losses and damages, of whatever nature or kind, and regardless of the theory upon which the same is (are) based, caused directly or indirectly by, arising out of, related to, in connection with or resulting wholly or partially from, the destruction of original Checks by Member.

Member will promptly (but in all events within 5 business days) provide any retained Check (or, if the Check is no longer in existence, a sufficient copy of the front and back of the Check) to Credit Union as requested to aid in the clearing and collection process or to resolve claims by third parties with respect to any Check.

6. Image and MICR Quality

Each File transmitted by Member to Credit Union shall contain Images of the front and the back of the Checks scanned and remotely deposited by Member. Each Image of each Check shall be of such quality that the following information can clearly be read and understood by sight review of such Image:

• (a) The amount of the Check;
• (b) The payee of the Check;
• (c) The signature of the drawer of the Check;
• (d) The date of the Check;
• (e) The Check number;
• (f) The information identifying the drawer and the paying Nusenda Credit Union that is preprinted on the Check, including the MICR line; and
• (g) all 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 indorsements applied to the back of the Check.

Each Image shall also meet all standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve or any other regulatory agency, clearing house or association.

Member shall also capture and transmit to Credit Union the full-field MICR encoding on each Check. In accordance with the Procedures, Member shall ensure that the following information is captured from the MICR line of each Check:

• (aa) the American Bankers Association routing transit number ("RTN");
• (bb) the number of the account on which the Check is drawn;
• (cc) when encoded, the amount of the Check; and
• (dd) when encoded, the serial number and the process control field of the Check.

7. Receipt of File

Member agrees that Member shall be solely liable for, and Credit Union shall not have any liability whatsoever to Member for, any File or the Images or other information contained therein that are not received by Credit Union or for any File or the Images or other information contained therein that are intercepted or altered by an unauthorized third party.

Member agrees that Credit Union has no obligation to accept a File and, therefore, may reject any File or the Images or other information contained therein submitted by Member. Credit Union has no obligation to notify Member of the rejection of a File or the Images or other information contained therein. Credit Union shall have no liability to Member for the rejection of a File or the Images or other information contained therein or for the failure to notify Member of such rejection. Upon receipt of a File submitted by Member, Credit Union may examine such File and the Images and other information contained therein to ensure that Member has complied with this Agreement and followed the Procedures. If Credit Union determines that Member has not complied with this Agreement or followed the Procedures or if errors exist in the Images or other information contained in the File, Credit Union, in its sole discretion, may either reject the File or elect to correct the error and accept and process the corrected File (a "Corrected File"). As a form of correction, Credit Union may credit Member's Account for the full amount of the deposit and make any necessary adjustments to the Account to correct the error. Credit Union may, at its option, also perform a risk management analysis of one or more Files submitted by Member to detect potentially fraudulent Checks, and, in its sole discretion, Credit Union may reject any such File or the Images or other information contained therein. If after examination of a File and the Images and other information contained therein, Credit Union determines that Member has complied with this Agreement and processed and transmitted the File in accordance herewith and with the Procedures, the File is balanced and the Images meet the requirements of Section 6 of this Agreement, then Credit Union shall accept the File (an "Accepted File") for deposit to Member's Account. Information and data reported hereunder: (a) may be received prior to final posting and confirmation and is subject to correction and (b) is for informational purposes only and may not be relied upon. Member agrees that Credit Union shall have no liability for the content of payment-related information. Notwithstanding the fact that Nusenda Credit Union has accepted a File for deposit, any credit made to Member's Account shall be provisional, and Member shall remain liable to Credit Union for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against, Credit Union.

8. Provisional Credit and Availability of Funds

Upon acceptance of the File, and subject to Credit Union's Funds Availability Policy, Credit Union will grant Member's Account Provisional Credit (as herein defined) for the total amount of the Corrected File or the Accepted File, as applicable. As used herein, "Provisional Credit" means that the credit is made to Member's Account subject to final payment of the Checks and subject to the terms of the Deposit Agreement. Member and Credit Union agree that Credit Union's Funds Availability Policy applies to Items deposited using this Service and Funds from Deposits may not be available for immediate withdrawal.

9. Laws, Rules and Regulations

Member agrees to comply with all existing and future operating procedures used by Credit Union for processing of transactions. Member further agrees to comply with, and be bound by, all applicable state or federal laws, rules, regulations, orders, guidelines, operating circulars and pronouncements, affecting checks and drafts and ACH transactions, including, but not limited to, all rules and procedural guidelines established by the Federal Trade Commission ("FTC"), the Board of Governors of the Federal Reserve, National Check Exchange ("NCE"), Small Value Payments Member ("SVPCo"), Viewpointe, Endpoint Exchange, the National Automated Clearing House Association ("NACHA"), Electronic Check Clearing House Organization ("ECCHO") and any other clearinghouse or other organization in which Credit Union is a member or to which rules Credit Union has agreed to be bound. The Rules are incorporated herein by reference. These procedures, rules, and regulations (collectively the "Rules") and laws are incorporated herein by reference. In the event of conflict between the terms of this Agreement and the Rules, the Rules will control.

10. Collection of Checks

Credit Union, in its sole discretion, shall determine the manner in which Images shall be presented for payment to the drawee bank. Credit Union, in its sole discretion, shall select the clearing agents used to collect and present the Images, and Credit Union's selection of the clearing agents shall be considered to have been designated by Member. Credit Union shall not be liable for the negligence of any clearing agent. Collection of Checks is also subject to the Rules and the terms of the Deposit Agreement.

11. Contingency Plan

Member agrees that, in the event Member is not able to capture, balance, process, produce or transmit a File to Credit Union, or otherwise comply with the terms hereof or of the Procedures, for any reason, including, but not limited to, communications, equipment or software outages, interruptions or failures, Member will transport the originals of all Checks to the closest office of Nusenda Credit Union and deposit original Checks with Credit Union until such time that the outage, interruption or failure is identified and resolved. The deposit of original Checks at an office of Credit Union shall be governed by the terms and conditions of the Deposit Agreement and not by the terms of this Agreement. Notwithstanding the foregoing, and to the extent applicable, Section 12 of this Agreement dealing with warranties shall apply to the deposit of original Checks.

12. Warranties

Member represents, warrants and covenants the following to Credit Union:

(a) Checks Deposited. Member shall only deposit Checks that are authorized by this Agreement, the Procedures and the Deposit Agreement and the Checks do not contain any alterations and Member will only transmit acceptable items for deposit and will handle the original items in accordance with applicable laws, rules and regulations.

(b) Assistance. Member will provide all reasonable assistance to Credit Union and its subcontractors in providing Remote Deposit / Mobile Deposit set forth herein.

(c) Endorsements. Each Item bears all applicable endorsements and in a format as directed by Credit Union.

(d) Image Quality. Each Image transmitted by Member to Credit Union contains an accurate representation of the front and the back of each Check and complies with the requirements of this Agreement;

(e) Accuracy of Information. All data and other information submitted by Member to Credit Union, including, but not limited, to data contained in the MICR line of each Check is complete and accurate and complies with the requirements of this Agreement;

(f) No Duplicates. Member will not: (i) create duplicate Images of the Checks, (ii) transmit a duplicate Image or File to Nusenda Credit Union, or (iii) deposit or otherwise negotiate the original of any Check of which an Image was created. Member further warrants that no subsequent transferee, including but not limited to Credit Union, a collecting or returning bank, drawer, drawee, payee or endorser, will be asked to pay the original Item from which the Image(s) was created or a duplication (whether paper or electronic, including ACH entries) of the Item(s);

(g) No Loss. No Subsequent transferees of the Item(s), including but not limited to Credit Union, a collecting or returning bank, drawer, drawee, payee or endorser, shall sustain a loss as the result of the fact that the Image was presented for payment or returned instead of the original Check;

(h) Information. All information provided by Member to Credit Union is true, complete and accurate and properly reflects the business, financial condition and principal partners, owners or officers, of Member. Member is not engaged in, or affiliated with, any businesses, products or methods of selling other than those disclosed by Member to Credit Union;

(i) Authority and Legality.

• (i) Member is authorized to enter into, and perform its obligations under, this Agreement;
• (ii) The person signing this Agreement on behalf of Member is duly authorized to execute this Agreement;
• (iii) This Agreement is valid and enforceable against Member in accordance with its terms; and
• (iv) The entry into, and performance of, this Agreement by Member will not violate any law, or conflict with any other agreement, to which Member is subject;
• (v) The Member will only use the products and Service for lawful purposes and in compliance with all applicable laws, rules, and regulations;

(j) No Litigation. There is no action, suit or proceeding pending or, to Member's knowledge, threatened which, if decided adversely, would impair Member's ability to carry on its business substantially as now conducted or which would adversely affect Member's financial condition or operations.

(k) Transactions.

• (i) All Checks and business transactions of Member are, and will be, bona fide;
• (ii) All signatures on Checks are authentic and authorized;
• (iii) the Member is a person authorized to collect each item transmitted or is authorized to obtain payment of each item transmitted on behalf of a person entitled to collect such transmitted item;
• (iv) any item transmitted has not been altered;
• (v) the Member will not deposit or otherwise indorse 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;

(l)Rule Compliance. Member conducts its business, and submits Checks and Files in compliance with this Agreement, the Procedures, applicable law and the Rules.

(m) Computer Virus. No Files or Checks contain any computer viruses or other harmful, intrusive or invasive codes.

(n) Indemnity. Member agrees to indemnify Credit Union for, and hold Credit Union harmless from and against, any and all claims, losses, liabilities, costs, and expenses (including, without limitation, reasonable attorneys' fees) arising from a breach of any of Member's warranties, representations and/or obligations under this Agreement or any other agreement between Member and Credit Union, including, but not limited to, the Deposit Agreement, and the terms of this paragraph shall survive the termination of this Agreement.

13. Returned Checks.

If Images of Checks deposited by Member are dishonored or otherwise returned unpaid by the drawee bank, or are returned by a clearing agent for any reason, including, but not limited, to issues relating to the quality of the Image, Member understands and agrees that, since Member either maintains the original Check or has destroyed the original Check in accordance with Section 5 of this Agreement, the original Check will not be returned, and Credit Union may charge back an Image of the Check to Member's Account. Member understands and agrees that the Image may be in the form of an electronic or paper reproduction of the original Check or a substitute check. Unless otherwise instructed by Credit Union, Member agrees not to deposit the original Check if an Image or other debit as previously described is charged back to Member.

14. Fees and Charges

So long as this Agreement remains in effect, Member agrees to pay to Credit Union the normal deposit account service charges established from time to time by Credit Union and, in addition thereto, the fees and charges set forth in the Fee Schedule as provided from time to time hereafter to Member, and all such other fees and charges as may be agreed upon from time to time by Member and Credit Union. Please refer to our separate fee schedule for additional information.

Member authorizes Credit Union to deduct any charges for Remote Deposit / Mobile Deposit from any Account, even if such deduction causes an overdraft in the Account. Should Member fail or refuse to pay any charges under this Agreement, Member agrees to pay all collection costs (including reasonable attorney's fees) which may be incurred by Credit Union. Credit Union shall have the right to increase or decrease charges imposed for Remote Deposit / Mobile Deposit and will notify Member of the changes, to the extent required by law. Member's use of Remote Deposit / Mobile Deposit after changes have been made shall constitute Member's agreement to the same.

In addition to Remote Deposit / Mobile Deposit fees, Member agrees to pay all taxes, tariffs and assessments levied or imposed by any government agency in connection with Remote Deposit / Mobile Deposit, this Agreement, and/or the software or equipment made available to Member (excluding any income tax payable by Credit Union). Member is also responsible for the costs of any communication lines and any data processing charges payable to third parties.

15. Amendments.

Unless applicable law provides otherwise, this Agreement may be amended by notice sent electronically or by mail to Member at Member's last address known to Credit Union to be effective not less than thirty (30) days after the day transmitted or mailed. Credit Union shall not be bound by any modification of this Agreement unless Credit Union expressly agrees to the modification in writing. Member shall have the right to terminate the Agreement prior to the effective date of amendment. This Agreement supersedes all prior agreements and amendments.

16. Confirmation: Account Reconciliation

Credit Union will provide notice of receipt of deposits to Member's Account on the periodic statement for such Account. Member is responsible for detecting and reporting to Credit Union any discrepancy between Member's records and the records Credit Union provides to Member. If Member does not detect and notify Credit Union of such a discrepancy within 60 days of Member's receipt of any terminal printout, mailed report or periodic statement (each a "Report"), whichever is received first, then such transactions shall be considered correct, and Member shall be precluded from asserting such error or discrepancy against Credit Union. Please refer to your "Account Information" brochure for more information regarding error resolution.

17. Update Notice

Member shall provide written notice to Credit Union of any changes to the information previously provided by Member to Credit Union, including, but not limited to, any additional locations, any change in business, any new business, the identity of principals and/or owners, the form of business organization, type of goods and services provided and method of conducting sales. Such notice must be received by Credit Union within 5 business days of the change.

Member shall provide any additional information requested by Credit Union within 5 days of such request. Credit Union retains the right to: (i) review Member's Checks, Files and business activities from time to time to confirm Member is conducting business as stated by Member at the time of the execution of this Agreement and (ii) re-price or terminate Remote Deposit / Mobile Deposit based on changes to information previously provided to Credit Union by Member.

18. Credit Union's Duties

Credit Union's duties and responsibilities are limited to those described in this Agreement, the Deposit Agreement and any other agreements governing the Accounts. Credit Union will use commercially reasonable care in performing its responsibilities under this Agreement.

19. Credit Union's Responsibilities

Member agrees to monitor its account balances and charges, to promptly notify Credit Union if any Report conflicts with Member's records, and to refrain from acting on information it has reason to believe is erroneous. In all instances, Credit Union's and, if the services of a third party provider are utilized in the provision of Remote Deposit / Mobile Deposit, such third party's sole liability to Member shall be limited to the correction of any errors made. Credit Union shall not be responsible for suspension of performance of all or any of its obligations, responsibilities or covenants hereunder, whether expressed or implied, if at any time, or from time to time, compliance therewith is prevented or hindered by, or are in conflict with, any federal or state law, regulation or rule, the order of any court of competent jurisdiction, any act of God or of the public enemy, war, epidemic, strike, or work stoppages of the U.S. Postal Service and commercial carrier(s), or electric power disruption or shortage, telecommunications failure or computer failures; acts, omissions or errors of any carrier and/or agent operating between Member and Credit Union or Credit Union and any Federal Reserve Bank or other agency utilized to exercise transfers or any recipients of transferred funds; any incorrect, unauthorized or fraudulent use or other fraud by any person other than Credit Union's employees; or, without limiting the generality of the foregoing, any other cause or circumstance beyond Credit Union's control or other conditions or circumstances not wholly controlled by Credit Union, which would prohibit, retard or otherwise affect Credit Union's complete or partial performance under this Agreement.

20. Internet Disclaimer.

Credit Union does not, and cannot, control the flow of any documents, files, data or other information via the Internet, whether to or from Credit Union's network, other portions of the Internet or otherwise. Such flow depends in large part on the performance of Internet services provided or controlled by third parties. Actions or inactions of such third parties can impair or disrupt Member's connections to the Internet (or portions thereof). Credit Union cannot guarantee that such events will not occur. Accordingly, Credit Union disclaims any and all liability arising out of, resulting from or related to, such events, and in no event shall Credit Union be liable for any damages of any kind (whether in contract, in tort or otherwise) that are attributable or in any way related to the Internet infrastructure or Member's or Credit Union's ability or inability to connect to the Internet.

21. Indemnification and Liability; Third Party Claims

Member hereby indemnifies Credit Union and each of its parents, subsidiaries and affiliates and their respective officers, directors, employees, members, partners, agents, insurers and attorneys (each an "Indemnified Party" and, collectively, the "Indemnified Parties") for, and holds each of the Indemnified Parties harmless from and against, all actions, causes of action, claims, damages, liabilities and expenses (including reasonable attorneys' fees) of any nature or kind (including those by third parties) arising out of, or related to, this Agreement, including all actions, causes of action, claims, damages, liabilities and expenses arising out of, related to or resulting from:

(a) Member's

• (i) Failure to report required changes,
• (ii) Transmission of incorrect data to Credit Union or
• (iii) Failure to maintain compliance with the Rules,

(b) Nusenda Credit Union's

• (i) provision of Remote Deposit / Mobile Deposit,
• (ii) Credit Union's action or inaction in accordance with, or in reliance upon, any instructions or information received from any person reasonably believed by Nusenda Credit Union to be an authorized representative of Member,

(c) Member's breach of any of Member's representations, warranties, covenants or other agreements or responsibilities under this Agreement and/or
(d) Member's breach or violation of any Rules; provided, however, Member is not obligated to indemnify Credit Union for any damages solely and proximately caused by Credit Union's gross negligence or willful misconduct.

22. Limit of Liability.

(a) ANY PROVISION IN THIS AGREEMENT, ANY OTHER AGREEMENT OR THE RULES TO THE CONTRARY NOTWITHSTANDING, CREDIT UNION SHALL ONLY BE LIABLE FOR DAMAGES SOLELY AND PROXIMATELY CAUSED BY ITS GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, AND CREDIT UNION'S LIABILITY SHALL IN NO EVENT EXCEED THE LESSER OF

• (i) MEMBER'S ACTUAL DAMAGES OR
• (ii) THE TOTAL FEES PAID BY MEMBER TO NUSENDA CREDIT UNION FOR REMOTE DEPOSIT / MOBILE DEPOSIT.

IN NO EVENT SHALL CREDIT UNION OR ANY PROVIDER BE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR INCIDENTAL DAMAGES, LOSSES OR INJURIES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOSS OF USE, LOSS OF DATA OR COST OF COVER) ARISING OUT OF, OR RELATED TO, THE USE BY MEMBER OF REMOTE DEPOSIT / MOBILE DEPOSIT OR ANY SERVICE OR THE FAILURE OF CREDIT UNION OR ANY PROVIDER TO PROPERLY PROCESS AND COMPLETE TRANSACTIONS THEREUNDER, EVEN IF CREDIT UNION OR SUCH PROVIDER(S) HAVE BEEN SPECIFICALLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR INJURIES.

(b) MEMBER ACKNOWLEDGES AND AGREES THAT MEMBER'S USE OF REMOTE DEPOSIT / MOBILE DEPOSIT SHALL BE AT MEMBER'S SOLE RISK, AND THAT REMOTE DEPOSIT / MOBILE DEPOSIT IS PROVIDED BY CREDIT UNION ON AN "AS IS" BASIS.
(c) EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, CREDIT UNION MAKES ABSOLUTELY NO REPRESENTATIONS OR WARRANTIES WHATSOEVER, EXPRESS OR IMPLIED, IN LAW OR IN FACT, TO MEMBER OR TO ANY OTHER PERSON, AS TO REMOTE DEPOSIT / MOBILE DEPOSIT OR ANY ASPECT THEREOF, INCLUDING (WITHOUT LIMITATION) ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, OR SUITABILITY, AND CREDIT UNION HEREBY DISCLAIMS ANY AND ALL OF THE SAME. MEMBER AGREES THAT NO ORAL OR WRITTEN ADVICE OR REPRESENTATION OBTAINED FROM ANY NUSENDA CREDIT UNION EMPLOYEE OR REPRESENTATIVE SHALL CREATE A WARRANTY OR REPRESENTATION FOR PURPOSES OF THIS AGREEMENT OR REMOTE DEPOSIT / MOBILE DEPOSIT TO BE PERFORMED PURSUANT HERETO.
(d) TO THE FULLEST EXTENT ALLOWED BY LAW, AND SUBJECT TO THE FOREGOING PROVISIONS OF THIS SECTION DEALING WITH CREDIT UNION'S LIABILITY FOR DAMAGES SOLELY AND PROXIMATELY CAUSED BY ITS GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, CREDIT UNION'S LIABILITY TO MEMBER UNDER THIS AGREEMENT SHALL BE LIMITED TO CORRECTING ERRORS RESULTING FROM CREDIT UNION'S FAILURE TO EXERCISE ORDINARY CARE.
(e) CREDIT UNION MAKES ABSOLUTELY NO REPRESENTATIONS OR WARRANTIES WHATSOEVER, EXPRESS OR IMPLIED, IN LAW OR IN FACT, TO MEMBER OR TO ANY OTHER PERSON AS TO ANY COMPUTER HARDWARE, SOFTWARE OR EQUIPMENT IN CONNECTION WITH REMOTE DEPOSIT / MOBILE DEPOSIT, INCLUDING, BUT NOT LIMITED TO, MEMBER'S COMPUTER SYSTEMS OR RELATED EQUIPMENT, MEMBER'S SOFTWARE, OR MEMBER'S INTERNET SERVICE PROVIDER OR ITS EQUIPMENT, OR AS TO THE SUITABILITY OR COMPATIBILITY OF CREDIT UNION'S SOFTWARE, INTERNET DELIVERED SERVICE, EQUIPMENT OR COMMUNICATION INTERFACES WITH THOSE THAT MEMBER USES, OR AS TO WHETHER ANY SOFTWARE OR INTERNET DELIVERED SERVICE WILL PERFORM IN AN UNINTERRUPTED MANNER, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

CREDIT UNION SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY ERRORS OR FAILURES RESULTING FROM DEFECTS IN, OR MALFUNCTIONS OF, MEMBER'S COMPUTER HARDWARE OR SOFTWARE, FOR THE QUALITY OF PERFORMANCE OR LACK OF PERFORMANCE OF ANY COMPUTER SOFTWARE OR HARDWARE OR INTERNET DELIVERED SERVICES SUPPLIED BY CREDIT UNION TO MEMBER IN CONNECTION WITH THIS AGREEMENT, OR FOR THE TRANSMISSION OR FAILURE OF TRANSMISSION OF ANY INFORMATION FROM MEMBER TO CREDIT UNION, FROM CREDIT UNION TO MEMBER, FROM MEMBER TO ANY PROCESSOR, FROM ANY PROCESSOR TO CREDIT UNION, OR OTHERWISE NUSENDA CREDIT UNION SHALL NOT BE RESPONSIBLE FOR NOTIFYING MEMBER OF ANY UPGRADES OR ENHANCEMENTS TO ANY OF MEMBER'S COMPUTER HARDWARE OR SOFTWARE.

23. Third Parties; Maintenance

(a) Services from Others: Member may be using special equipment, services or software provided by a third party to assist it in processing Checks and Files hereunder (each a "Third Party" and, if more than one, "Third Parties"). Member

• (i) Agrees that any Third Party is acting as Member's agent in the delivery of Checks and Files to Nusenda Credit Union, and
• (ii) Agrees to assume full responsibility and liability for any failure of that Third Party to comply with the Rules of this Agreement. Credit Union will not be liable for any losses or additional costs incurred by Member as a result of any error by a Third Party or a malfunction of equipment provided by a Third Party. Member shall provide at least 10 days advance written notice to Credit Union in the event it uses any such Third Party. Member is solely responsible for maintaining compliance with the requirements of any Third Party, including obtaining any software updates. Credit Union shall not have any responsibility for any Check or File handled by a Third Party until that point in time when Credit Union accepts and approves a Check or File from such Third Party for processing.

(b) Equipment Maintenance. Member shall be solely responsible for obtaining and properly maintaining its equipment and system requirements, including computer equipment, Internet connectivity, scanning terminals (unless contracted with Credit Union) and any other equipment or items necessary to receive Remote Deposit / Mobile Deposit. Nusenda Credit Union shall not be liable to Member, in any manner whatsoever, for any type of errors, losses, damages or other claims related to Member's failure to do so.

24. Use of Trademarks

Member may not use Credit Union's name or trademarks without the express written consent of Credit Union. If Member is permitted to use any of Credit Union's name, trademarks or promotional materials, Member will not indicate, directly or indirectly, that Credit Union endorses, or is connected in any way with, any of Member's goods or services.

25. Financial Information

Credit Union may from time to time request information from Member in order to evaluate a continuation of Remote Deposit / Mobile Deposit to be provided by Credit Union hereunder and/or adjustment of any limits set by this Agreement. Member agrees to provide the requested financial information immediately upon request by Credit Union, in the form required by Credit Union.

Member authorizes Credit Union to investigate or reinvestigate at any time any information provided by Member in connection with this Agreement or Remote Deposit / Mobile Deposit and to request reports from credit bureaus and reporting agencies for such purpose. Upon request by Credit Union, Member hereby authorizes Credit Union to enter Member's business premises for the purpose of ensuring that Member is in compliance with this Agreement. If Member refuses to provide the requested financial information, or if Credit Union concludes, in its sole discretion, that the credit risk of Member is unacceptable, or if Member refuses to give Credit Union access to Member's premises, Credit Union may terminate Remote Deposit / Mobile Deposit according to the provisions hereof.

26. Confidential Information

(a) Credit Union Information

Member acknowledges that the Technology and Services contain valuable trade secrets, which are the sole property of Credit Union or its subcontractors ("Credit Union Confidential Information"), and Member agrees to hold same in strict confidence and disclose only to those agents whose duties reasonably require access to same, provided that all such agents are informed of such use or disclosure restrictions as set forth herein. Member agrees to use no less than reasonable care to prevent other parties from learning of these trade secrets. Member will take no less than all reasonable steps to prevent the unauthorized use, disclosure, duplication or access to the Credit Union.

(b) Member Information

Credit Union acknowledges that Member's information may contain information regarding its Members, which are the sole property of Member ("Member Confidential Information," and, collectively with Financial Institution Confidential Information, "Confidential Information"), and Credit Union agrees to hold same in confidence and will protect Member Confidential Information pursuant to Credit Union's privacy policies.

(c) Exceptions

The obligations of this Section 26 shall not apply to any information that:

• (a) Is now, or hereafter becomes, through no act or failure to act on the part of the receiving party (the "Receiver"), generally known or available;
• (b) Is known by the Receiver at the time of receiving such information, as evidenced by the Receiver's records;
• (c) Is hereafter furnished to the Receiver by a third party, as a matter of right and without restriction on disclosure;
• (d) Is independently developed by the Receiver without reference to or use of the disclosing party's information; or
• (e) Is required to be disclosed by law or in connection with a legal or administrative proceeding, provided that the party to whom the information belongs is given prompt prior written notice of such proposed disclosure, if not otherwise prohibited.

(d) Unauthorized Use.

Both parties acknowledge that the unauthorized use, disclosure or duplication of trade secrets or other confidential information belonging to each party shall constitute a material breach of this Agreement and is likely to cause irreparable injury to the owner, for which there is no adequate remedy at law. Accordingly, Credit Union and Member each hereby agree that the other party may seek injunctive relief against it to prevent or remedy any breach of the confidentiality obligations described herein without the other party being required to post bond, or if bond is required, only nominal bond.

27. Attorneys' Fees

In the event of any arbitration or other adversarial proceeding between the parties concerning this Agreement, the prevailing party shall be entitled to recover its reasonable attorneys' fees and other costs in addition to any other relief to which it may be entitled.

28. Successors

This Agreement and all the terms and provisions herein shall be binding upon, and shall inure to the benefit of, the parties hereto and their respective successors and assigns.

29. Assignment

No right or interest hereby conferred shall be assignable without the prior written consent of the other party, and any assignment made without such consent shall be null and void; provided, however that Credit Union may assign this Agreement or any part of it to any of Credit Union's affiliates or to a successor of Nusenda Credit Union by merger or acquisition upon written notice to Member.

30. No Third Party Beneficiaries

This Agreement shall not be construed to confer any rights or remedies upon any person not a party to this Agreement, whether as a third party beneficiary or otherwise, against Member or Credit Union, their respective successors, assigns and affiliates.

31. Captions and Headings

The captions and headings contained in this Agreement are for convenience of reference only and shall not be used to limit the applicability or meaning of any provisions of this Agreement.

32. Entire Agreement

The terms of the Deposit Agreement, all other agreements with Credit Union pertaining to the Accounts and the Rules, are incorporated by reference and made a part of this Agreement. In the event of any inconsistency between such agreements, the Rules and this Agreement, the provisions of this Agreement shall control to the extent necessary. Member agrees that this Agreement is the entire statement of the terms and conditions which apply to the subject matter hereof. This Agreement supersedes any prior agreements between the parties relating to Remote Deposit / Mobile Deposit.

33. No Waiver

No delay or failure on the part of Credit Union in exercising any of Credit Union's rights under this Agreement shall constitute a waiver of such rights, and no exercise of any remedy hereunder by Credit Union shall constitute a waiver of its right to exercise the same or any other remedy hereunder. Except for changes made in accordance with this Agreement, no deviation, whether intentional or unintentional, will constitute an amendment of this Agreement or will constitute a waiver of any right or duty of either party.

34. Severability

In the event all or any part of any one or more of the provisions contained in the Agreement shall for any reason be held to be invalid, illegal or unenforceable, in any respect, the remaining provisions or parts thereof shall be binding and enforceable as if any such invalid, illegal or unenforceable provision had never been contained herein.

35. Construction

This Agreement is an agreement between parties who have carefully reviewed these terms and represent that they have reviewed and understand this Agreement and the transactions contemplated by this Agreement, and this Agreement is entered into by both parties in reliance upon the economic and legal bargains contained herein, and shall be interpreted and construed in a fair and impartial manner, without regard to such factors as the party which prepared the instrument or drafted any provision thereof, the relative bargaining powers of the parties or the domicile of any party.

36. Termination

In addition to the denial, suspension, revocation and termination provisions in this Agreement, Credit Union may immediately terminate the Service or any portion of the Service if Credit Union determines that such Service or portion of any Service is in violation of the any other law or regulation, or in its sole discretion and without notice, decides to cease providing this Service. Member may terminate the Service with notice to Credit Union. Upon the termination of this Agreement for any reason:

• (a) Member's access to, and use of, the Services will terminate;
• (b) Member will return to Credit Union any and all Credit Union Services, equipment, software, documentation, Technology or other deliverables provided to Member by Credit Union, including any copies thereof held by Member;
• (c) Credit Union will deliver to Member all Member documentation and other materials stored by Member on Credit Union's or its subcontractor's network; and
• (d) Each party shall return any and all Confidential Information in its possession to the party that disclosed such Confidential Information or destroy same, and provide written verification of same.

Notwithstanding the foregoing, Credit Union's obligations with respect to subsections (c) and (d) shall be subject to Credit Union's record retention policies and applicable laws and regulations. Notwithstanding the foregoing, Credit Union may immediately terminate this Agreement without notice if, in Credit Union's sole discretion, Credit Union determines that Member has abused Remote Deposit / Mobile Deposit or Credit Union believes that it will suffer a loss or other damage if the Agreement is not terminated. Credit Union's election to terminate this Agreement is in addition to any and all other remedies that may be available to Credit Union and will not affect any obligations Member may have to Credit Union. Any reinstatement of Remote Deposit / Mobile Deposit under this Agreement will be at Credit Union's sole discretion and must be agreed upon in writing by an authorized representative of Credit Union.

Credit Union and Member agree that Sections 3, 5, 12, 13, 21, 22, 24, 26, 27, 28, 29, 30, 31, 33, 34, and 37 shall survive the termination of this Agreement.

37. Governing Law

This Agreement shall be governed by, and construed in accordance with, the laws of the State of New Mexico, without reference to its conflict of law's provisions, and applicable federal law. The Parties further agree and voluntarily consent to the jurisdiction of courts located in Albuquerque, New Mexico as the sole and exclusive venue for any court proceedings related to this agreement.

38. Notices

Any notice required hereunder to Member shall be sent electronically or by mail to Member at Member's last address known to Credit Union not less than thirty (30) days after the day of transmitted or mailed.

Any notice required hereunder to Credit Union shall be given by electronic mail to: [email protected] or to such other electronic mail address or by other method as designated by Credit Union by notice to Member.

Online Bill Payment Service

Agreement: All references to "Bill Payment Service" reflect the service offered by Nusenda Credit Union (Credit Union). All terms and conditions are applicable to all electronic/telephonic remote access devices used to access Nusenda Credit Union's Online Bill Payment Service and software. This document, together with the brochure called "Account Information" provides the terms and conditions of the Credit Union's "Bill Payment Service."

1. Eligibility

If you have an active account permitted for Pay A Bill, Bill payment Services at your Financial Institution you may use the online or mobile bill payment service (the “Bill Payment Service”).

2. Payment Dates

With Bill Payment Service, you can schedule a bill payment for a single one-time, future day or as a recurring payment. Any recurring payments scheduled to be processed on Saturday, Sunday, or any Nusenda-observed holiday will be processed on the prior business day. The day on which we process a bill payment is when the status shows as “Processed.”

3. Use of Bill Payment Service

You must provide enough information about each bill payee to direct a payment to that payee and permit the payee to identify the correct account to credit with your payment. While most payees can be paid through the Bill Payment Service, we reserve the right to refuse to pay certain payees. In this event, we will notify you that Bill Payment Service cannot be used for the payee. We do not recommend that you use bill payments to pay taxes, to make federal, legal, or court-ordered payments, to pay municipal or state utilities, or to settle any securities transaction and any such payments that you choose to schedule are at your own risk. Nusenda Credit Union will not be liable for any late fees, claims, or damages resulting from your use of the Bill Payment Service to make any of these types of payments. You can only make bill payments to payees with United States addresses.

4. Bill Payment Transfer Methods

Your Bill Payment Service payment will be made either by transferring funds electronically (Automated Clearing House or “ACH” transaction) or by sending a paper check to the payee. ACH transactions will be subject to the rules of the National Automated Clearing House Association (NACHA). Payments made by paper check will be debited to your account as any other personal check. If you authorize a recurring payment to any payee, those payments will continue until the specified end date unless you cancel the recurring payment or there is not enough available balance to allow the payment. You assume the risk of loss due to an overpayment to the payee on any payment you initiate using the Bill Payment Service.

5. Funding Account

When you instruct us to make a payment through the Bill Payment Service, your Nusenda checking account will be utilized to process scheduled payments. The designated originating account must be an account that is accessible through the Services. If you do not have an active account, you may not use Bill Payment Service.

6. Scheduling Payments

The earliest possible “Send” Date and “Deliver” Date will be displayed in the Bill Payer Tab for each payee. In general, you will need to allow at least three (3) business days to ensure on-time payment for an ACH transaction and seven (7) business days if the payment is to be made by issuing and mailing a paper check to the payee. If you are not sure whether a payment will be sent by ACH or paper check, you should allow at least ten (10) business days before the payment due date (not including any applicable grace period). Nusenda Credit Union is not responsible for delays in the U.S. mail or for processing delays by the payee. Nusenda Credit Union is not liable for any late charges imposed by the payee except as otherwise provided under this Agreement.

7. Cancelling Payments

Nusenda Credit Union withdraws funds from the designated originating account on the Processed Date. You may use the Bill Payment Service to cancel or edit any scheduled bill payment until we begin processing it.

8. Available Balance

You are responsible for ensuring there is enough available balance in the designated originating account on the Processing Date to cover the full amount of any payment you instruct us to make through the Bill Payment Service. Nusenda Credit Union will not complete a bill payment transaction if there is not a sufficient available balance in the designated originating account (including funds available through any overdraft line of credit or automatic transfer feature) on the Processed Date. If there is not enough available balance in your designated originating account on the Payment Date, no subsequent bill payments will be processed until there is enough available balance in the designated originating account. Your account may be assessed a fee under the terms of the Account Agreement applicable to the designated originating account.

9. Schedule of Fees and Service Charges

The current fees for Bill Pay are included in Nusenda’s Rate & Fee Schedule. Regular account fees and service charges (such as fees for overdraft and nonsufficient funds transactions) will apply to services and transaction requested through Bill Pay as they would apply to transactions and services effected through other means. Please review Nusenda’s Rate & Fee Schedule for a listing of such fees. You may obtain a copy at any time at Nusenda.org or from Nusenda on request.

10. eBills

eBills is a free service through which you can receive an electronic version of your bill (“eBill”) from a participating payee (“Biller”). Once you sign up for the eBills service, the Biller may stop sending you paper bills. To sign up for the eBills service, you must first have an online account with the Biller. Then you need to enroll for the eBills service through our Bill Payment Service using the credentials you use to access your online account with the Biller. eBills can be viewed in the Bill Payment Services. You are solely responsible for maintaining current contact information, as well as usernames and passwords, with the Biller. We may, at the request of the Biller, provide to the Biller your email address, service address, or other data specifically requested by the Biller at the time of activating the eBills service for that Biller. The presentment of your first eBill may vary from Biller to Biller, depending on the billing cycle of each Biller. Each Biller may deny your request to receive eBills through the eBills Service at any time. We will make commercially reasonable efforts to present all your eBills promptly. In addition to notification within the eBills service, we may send an email notification to the email address listed for your account. It remains your responsibility to periodically log on to the Bill Payment Service and check on the delivery of new eBills. It remains your responsibility to keep your accounts with each Biller current. To cancel eBills, you should cancel eBills through our Bill Payment Service and contact each Biller to instruct such Biller to resume sending you paper statements. Cancellation may take up to sixty (60) days, depending on the billing cycle of each Biller. Any discrepancies or disputes regarding the accuracy of your eBills must be addressed with the appropriate Biller directly. You agree to indemnify and hold Nusenda Credit (and its affiliates and third-party providers) harmless for any losses or claims arising from or related to your use of the eBills service.

11. AutoPay

Users that enroll to receive their eBill can choose to have their payment made automatically by enrolling in AutoPay.

12. Text and Email Alerts

You may request automated alert messages to be sent by text or email. We offer alert messages to notify you of a variety of events and circumstances. We may make new alerts available from time to time or discontinue old alerts. The frequency with which you will receive alert messages depends on the number and types of alerts you request and on whether you enter into an account transaction that triggers an alert. Alert messages will be sent to the mobile phone number or email address you have specified. Alert messages may be delayed or prevented by a variety of factors. We neither guarantee the delivery nor the accuracy of the contents of any alert. We will not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.

13. General Provisions for All Text Alerts

By requesting text services, you agree that we may send text messages to the mobile phone number you specified. Text alerts are supported by most mobile carriers, including Verizon Wireless, AT&T, T-Mobile^®, MetroPCS, Boost, Virgin Mobile, U.S. Cellular^®, and others. Neither Financial Institution nor the applicable mobile carrier is liable for delayed or undelivered messages. Your mobile carrier’s message and data rates may apply. Message frequency varies based on user activity. If you have questions about Alerts, call your Financial Institution’s Customer Service.

Business Internet Banking

This Agreement contains the terms for the Business Internet Banking system that allows for electronic access to your accounts at Nusenda Federal Credit Union (Credit Union). You agree to accept the terms and conditions of this agreement. From time to time Credit Union may amend any of the terms and conditions contained in the agreement. Such amendments become effective as stated on any notice sent or made available to the Company.

This Agreement also applies to any other agreements for services used by the Company including agreements for ACH Origination Services, Wire Transfers, and Positive Pay Services.

1. System Access

We will ordinarily provide you with access to the Business Internet Banking system 24 hours a day, seven days a week. However, we reserve the right to suspend the service from time to time as we deem appropriate. If we cannot provide the service or if the service is delayed by failure of transmission facilities, equipment failure, software failure or other conditions that we cannot control, we are not responsible.

To access the Business Internet Banking system you will need a computer with Internet access and web browser that supports 128 bit encryption. You are responsible for the set up and maintenance of your computer. We are not responsible for any electronic virus or viruses that you may encounter.

Credit Union has the right to monitor and review all activity and transactions conducted on the Service. Credit Union reserves the right to discontinue the Service, or any of the services referenced, at any time.

2. Security

The Company is solely responsible for controlling the Company's distribution and safekeeping of, and access to, security procedures, personal identification numbers (PINS), initial passwords, hardware tokens, and any other confidential code Credit Union may assign. Any transaction request accompanied by an appropriate password or PIN will be deemed made by an authorized representative of the Company. The Company agrees that its use of Internet Banking and any related services are at the Company's risk and Credit Union shall not be liable for any loss incurred by the Company of any breach of security.

You will indemnify Credit Union and hold it harmless for any loss or expense caused by any person with the apparent authority to access the Service. You agree to (a) comply with the Guides and procedures that we provide you; (b) take reasonable steps to safeguard the confidentiality and security of the security codes; (c) closely and regularly monitor the activities of employees who access the Service; and (d) notify Credit Union immediately if you believe any user IDs and/or passwords have been lost, stolen, used without permission, or otherwise compromised.

Each time you make a transfer or payment with a Service, you warrant that our security procedures are commercially reasonable (based on the normal size, type, and frequency of your transactions). Some of our Services allow you or your Security Administrator to set transaction limitations and establish internal controls. Your failure to set such limitations and implement such controls increases your exposure to, and responsibility for, unauthorized transactions. You agree to be bound by any transfer or payment order we receive through the Services, even if the order is not authorized by you, if it includes your Security Codes or is otherwise processed by us in accordance with our security procedures.

You understand and acknowledge that for increased security and protection you should use a separate computer, which is not used for any other purpose, to access the Internet Banking system. You understand that using the Internet Banking computer for any other purposes may reduce the security of your Internet Banking. You are solely responsible for this risk as well as all other risks of the Internet Banking system.

3. Information Processing and Reporting

We offer a number of Services that require us to receive, process, and report information involving your accounts and transactions. We will not be responsible for determining the accuracy, timeliness or completeness of any information that you or others provide to us. We will not have a duty to interpret the content of any data transmitted to us, except to the limited extent set forth in this Agreement. Unless otherwise agreed in writing, we will not be required (by means of any security procedure or otherwise) to detect errors in the transmission or content of any information we receive from you or third parties.

4. Information You Provide to Us

You assume the sole responsibility for providing us with complete and accurate information in the form and format that we require. We are not responsible for confirming such information, or for monitoring or refusing to process duplicate instructions by you or your agents. For example, if you give us a wire transfer instruction that is incorrect in any way, you agree that we may charge your account for the payment whether or not the error could have been detected by us. We are not obligated to detect errors in your transfer or payment instructions.

5. Your Instructions

You must accurately describe transaction beneficiaries, intermediary financial institutions, and the beneficiary's financial institution in transfer and payment instructions. If you describe any beneficiary or institution inconsistently by name and number, other institutions and we may process the transaction solely on the basis of the number, even if the number identifies a person or entity different from the named beneficiary or institution.

6. Your Review

You acknowledge that it is not possible for the Services to be totally free from operator, programming or equipment error, and that errors in processing and compiling data may occasionally occur (e.g., due to the failure of others to provide accurate information, telecommunication failures, or a breakdown in an electronic data interchange). As such, you agree to review and verify all results and to maintain adequate controls for insuring both the accuracy of data transmissions and the detection of errors. Unless otherwise required by law, our sole responsibility for any reporting errors caused by us will be to reprocess the information for the period in question and to provide corrected reports at our own expense. You agree to maintain adequate backup files of the data you submit for at least ten business days in order to facilitate any needed reconstruction of your transactions (e.g., in the event of a telecommunication failure). If we are unable to provide a Service for any reason, we will take reasonable steps to resume processing, however availability of any Service is not guaranteed and we shall not be liable for any failure or inability to provide any Service.

7. Unauthorized Transactions

We may process any payment or transfer instruction (including an amendment or cancellation instruction) that we believe is transmitted or authorized by you if we act in compliance with the security procedures (e.g., we obtain the Security Code(s)) you and we have agreed upon for the Service. The instructions will be deemed effective as if made by you, and you will be obligated to pay us in the amount of such transactions, even though they are not transmitted or authorized by you.

We may elect to verify the authenticity or content of any instruction (but shall have no obligation to do so), as an alternative security procedure, by placing a call to any authorized signer on your account or any other person designated by you for that purpose. If we are unable to verify an instruction to our satisfaction, we may reject the instruction.

8. Unauthorized Access

If an unauthorized person uses your user ID, password, and/or personal security questions to gain access to the Online Banking Service, we will complete all transactions as instructed. This is why it is important for you to notify us if your user ID, password, and/or personal security questions have been compromised in some manner. Until you do so, we may treat all instructions as having been authorized by you. We will have no liability for any unauthorized transactions other than as provided by federal laws and regulations governing electronic funds transfers. Please review the liability provisions in this agreement relating to your rights and obligations if someone uses your access security codes or information without your permission."

9. Warranty Disclaimer

In no event will we be liable to you for any consequential, incidental or indirect damages arising out of the use, misuse or inability to use our Services, or for any loss of any data, even if we have been informed of the possibility of such damages. Further, we make no warranty, express or implied, to you regarding your equipment, including any warranty of merchantability or fitness for a particular purpose, including but not limited to any Business Internet Banking Services provided to you under this or any other agreement with us. We do not and cannot warrant that Business Internet Banking will operate without errors, or that any or all Business Internet Banking Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any Services or products provided under this Agreement or by reason of your use of or access to Business Internet Banking, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of the Credit Union and its affiliates exceed the amounts paid by you for the Services provided to you through Business Internet Banking Services.

Credit Union shall be responsible only for performing the Services expressly provided for in this Agreement and shall be liable only for its negligence in performing those Services. Credit Union shall not be responsible for the Company's acts or omissions (including without limitation the amount, accuracy, timeliness of transmittal, or due authorizations of any Entry received from the Company) or those of any person, including without limitation any Federal Reserve Financial Institution or transmission or communications facility, any Receiver or receiving Depository Financial Institution (including without limitation the return of the Entry by such Receiver or Receiving Depository Financial Institution), and no such person shall be deemed Credit Union's agent. The Company agrees to indemnify Credit Union against any loss liability, or expense (including attorney's fees and expense) resulting from or arising out of any claim of any person that Credit Union is responsible for any act or omission of the Company, or any other person described in this paragraph.

In no event shall Credit Union be liable for any consequential, special, punitive or indirect loss or damage which the Company may incur or suffer in connection with this Agreement, including without limitation, loss of damage from subsequent wrongful dishonor resulting from the Credit Union's acts or omissions pursuant to this Agreement.

Without limiting the generality of the forgoing provisions, or the provisions of the Business Internet Banking Agreement, Credit Union shall be excused from failing to act or delay in acting if such failure or delay is caused by legal constraint, interruption of transmission or communication facilities, equipment failure, war, emergency conditions or other circumstances beyond the Credit Union's control. In addition, Credit Union shall be excused from failing to transmit or delay in transmitting an Entry if such transmittal would result in Credit Union having exceeded the limitation upon its intra-day net fund position established pursuant to present or future Federal Reserve guidelines or which results in Credit Union violating any provision of any present or future risk control program of the Federal Reserve or any rule or regulation of any other United States governmental regulatory authority.

Notwithstanding any other provision to the contrary, in the event of default under the terms of this Agreement by the Company, Credit Union shall have all rights and remedies available at law or in equity.

10. Limitation of Liability

Except as otherwise stated in this Agreement, we will be liable to you only for damages arising directly from our intentional misconduct or gross negligence in the performance of the Services. We will not be responsible for any loss, delay, cost or liability which arises, directly or indirectly, in whole or in part, from: (a) your actions or omissions, or those of third parties that are not within our immediate and reasonable control; (b) your negligence or breach of any agreement with us; (c) any ambiguity, inaccuracy or omission in any instruction or information provided to us; (d) any error, failure or delay in the transmission or delivery of data, records or items due to a breakdown in any computer or communications facility; (e) accidents, strikes, labor disputes, civil unrest, fire, flood, water damage (e.g., from fire suppression systems), or acts of God; (f) causes beyond our reasonable control; (g) the application of any government or funds-transfer system rule, guideline, policy or regulation; (h) the lack of available funds in your Account to complete a transaction; (i) our inability to confirm to our satisfaction the authority of any person to act on your behalf; or (j) your failure to follow any applicable software manufacturer's recommendations or our Service instructions. There may be other exceptions to our liability, as stated in your deposit or other Service agreements with us.

We will not be responsible under any circumstances for special, indirect, or consequential damages that you incur as a result of our actions or omissions, even if we are aware of the possibility for such damages. Our liability and your remedy for actual costs and losses resulting from our actions and/or omissions, whether the claim is in contract or tort, will not exceed six times the average monthly charge for the Service(s) in question for the three months immediately preceding the cost or loss.

Any claim, action or proceeding by you to enforce the terms of this Agreement or to recover for any Service-related loss must be commenced within one year from the date that the event giving rise to the claim, action or proceeding first occurs. You agree to cooperate with us in any loss recovery efforts we undertake to reduce any loss or liability that arises in connection with your Services.

You acknowledge that our Service fees have been established in contemplation of: (a) these limitations on our liability; (b) your agreement to review statements, confirmations, and notices promptly and to notify us immediately of any discrepancies or problems; and (c) your agreement to assist us in any loss recovery effort.

11. Indemnification

You agree to indemnify, defend and hold us, our parent company, affiliates and subsidiaries, and our respective directors, officers, employees and agents, harmless from and against any claim, damage, loss, liability and cost (including, without limitation, attorney's fees) of any kind which results directly or indirectly, in whole or in part, from: (a) our actions or omissions, if they are in accordance with your instructions or the terms of this Agreement; or (b) the actions or omissions of you, your agents or employees.

12. Termination

We are permitted to terminate any Service immediately if we are no longer able to provide the Service. Termination of any Service does not alter your obligation to pay for such Service up to the date of termination.

This site is created and controlled by Nusenda Federal Credit Union in the State of New Mexico. As such, the laws of the State of New Mexico will govern these Terms of Use, without giving effect to any principles of conflicts of laws.

Please take this opportunity to review the following disclosures and information about accessing and using the Mobile/Digital Wallet Services.

These terms and conditions ( “Agreement”) constitute a legal agreement between you and Nusenda Federal Credit Union (NCU) that governs your election to use eligible debit or credit cards issued by NCU linked to accounts domiciled in the U.S. (each, a “Payment Card”) when you add, attempt to add, or keep a Payment Card in a mobile or digital wallet (“Digital Wallet” or “Wallet”) on any mobile device that supports the Mobile/Digital Wallet (the Credit Union’s “Digital Wallet Service”). The terms “you” and “your” throughout this Agreement refer to primary cardholders and authorized users of credit cards and to joint accountholders and other authorized persons with a debit card linked to NCU accounts, and the terms “Nusenda Credit Union”, “NCU”, “Credit Union,” “we” or “us” refer to Nusenda Federal Credit Union.

You consent to receive electronic communications and disclosures from us in connection with your Payment Card provisioned to any Mobile/Digital Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any NCU membership, and such contact may include third-party companies working on our behalf to service your accounts with us. You agree to update your contact information with us when it changes. By accepting this Agreement, you agree that this Agreement is subject to the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”). Continued use of a Payment Card provisioned to the Mobile/Digital Wallet of your choice requires that you agree to receive all notices electronically. If you prefer to receive paper notices, you have the right to withdraw your consent, provided, however, that if you withdraw such consent, we will terminate your use of the Payment Card(s) in any Mobile/Digital Wallet.

Please review this Agreement before you decide whether to accept it and continue with the addition of your Payment Card(s) to the Mobile/Digital Wallet you have selected. By using a Payment Card in the Mobile/Digital Wallet, you have selected, you agree to only use your Payment Card(s) through your Mobile/Digital Wallet in accordance with this Agreement. If you do not agree to the terms and conditions set forth in this Agreement, then you may not add your Payment Card(s) to or use your Payment Card(s) in connection with, any Digital Wallet. This Agreement supersedes any prior terms and conditions you may have agreed to with respect to access to, and the use of, Payment Card(s) through a Mobile/ Digital Wallet. You agree that this Agreement governs your access to, and use of Payment Card(s) through the Mobile/Digital Wallet of your choice on all Eligible Mobile Devices.

By agreeing to this Agreement, you represent the following:
• You are 18 years old or older; and
• You are capable of entering into a legally binding agreement.

1. Relationship to Your Mobile/Digital Wallet Provider. A Mobile/Digital Wallet is a service offered exclusively by your Digital Wallet provider (e.g., Apple, Google, Samsung) using devices deemed eligible by your Mobile/Digital Wallet provider (each an “Eligible Mobile Device”). A Mobile/Digital Wallet is a registered trademark of your Mobile/Digital Wallet provider. NCU does not own, operate, or control any Mobile/Digital Wallet and is not responsible for any service provided to you by your Digital Wallet provider or by any third party engaged by your Mobile/Digital Wallet provider. NCU likewise is not responsible for any information or other services provided to you by your Mobile/Digital Wallet provider or any other third parties associated with any Mobile/Digital Wallet. NCU is not liable for any failure or performance of any Mobile/Digital Wallet or any third party’s products or services.

Your Mobile/Digital Wallet provider, your wireless carrier, and other third-party websites or services integrated in any Mobile/Digital Wallet have their own third-party agreements and you are subject to those third-party agreements when you give them your personal information, use their services, or visit their respective sites. It is your responsibility to read and understand the third-party agreements before creating, activating, or using a Payment Card (as that term is defined below) in a Mobile/Digital Wallet. You acknowledge that your use of a Digital Wallet is subject to the terms and conditions set forth by your Mobile/Digital Wallet provider.

NCU is not responsible for, and does not provide, any support or assistance for any third-party hardware, software, or other products or services (including any Mobile/Digital Wallet or your Eligible Mobile Device). If you have any questions or issues with a third-party product or service, including issues pertaining to the operation of your Eligible Mobile Device, please contact the appropriate third party in accordance with that third party’s procedures for customer support and assistance. If you have any questions or issues pertaining to any Mobile/Digital Wallet (other than questions or issues specific to the use of a Payment Card provisioned to such Mobile/Digital Wallet), you should contact your Mobile/Digital Wallet provider.

2. Relationships to Other NCU Agreements. Your enrollment in the Mobile/Digital Wallet Service does not impact any other agreement NCU has with you, including, without limitation, the Arbitration Agreement and Class Action Waiver set forth in NCU’s Account Information Brochure. The terms of use for your Payment Card, which were provided to you when your Payment Card was issued and may be amended from time to time, remain in full force and effect regardless of whether or not you use the Mobile/Digital Wallet Service. Any transaction you make with your Payment Card using any Mobile/Digital Wallet will be considered the same as if you had presented your physical Payment Card in person to conduct the transaction, and all applicable fees and interest will apply per the terms of your cardholder agreement with NCU.

3. Payment Card Eligibility. NCU reserves the right to restrict the use of certain Payment Card types within the Mobile/Digital Wallet Service. In order for NCU to authorize your use of your NCU issued Payment Card with any Mobile/Digital Wallet, your Payment Card must be an eligible Payment Card type, your Payment Card and the underlying account must be in good standing, and you must not be restricted from using the Mobile/Digital Wallet Service based upon any limitations imposed by your Mobile/Digital Wallet provider, your wireless service provider, and/or any third party associated with your Mobile/Digital Wallet.

4. Mobile Device Eligibility. The Mobile/Digital Wallet Service enables you to create virtual representations of your Payment Card(s) on an Eligible Mobile Device to make (i) contactless payments at merchants’ contactless-enabled point-of-sale terminals or readers that accept contactless payments using a virtual representation of your Payment Card (in lieu of you presenting your physical Payment Card), and (ii) in-app or other digital commerce payments at merchants participating in the Digital Wallet. You are required to have an Eligible Mobile Device to use this Mobile/Digital Wallet Service. Your Mobile/Digital Wallet provider, in its sole discretion, determines which Mobile Devices are eligible to be used with the Mobile/Digital Wallet. Mobile Devices which have been unlocked in an unauthorized fashion ("jail-broken") or otherwise modified are not eligible to use NCU’s Mobile/Digital Wallet Service.

You acknowledge that use of an ineligible Mobile Device with the Mobile/Digital Wallet Service is expressly prohibited, constitutes a breach of these terms, and is grounds for NCU to temporarily suspend, permanently terminate, or otherwise deny further access to your Payment Card in any Mobile/Digital Wallet. NCU is not liable to you for the effects (third party or otherwise) of such termination or suspension.

5. Use of Your Payment Card(s) in Digital Wallets. When you select a Payment Card to use with the Mobile/Digital Wallet of your choice, certain account information for the Payment Card and certain of your personal information will be transmitted to and stored according to the Mobile/Digital Wallet and payment card network procedures and systems for the Supported Mobile/Digital Wallet Device to facilitate your participation in the Mobile/Digital Wallet. Once the account information for a Payment Card is stored in accordance with the Mobile/Digital Wallet procedures, it is represented within the Mobile/Digital Wallet’s payment function. By selecting a Payment Card and placing your Eligible Mobile Device near a merchant’s contactless-enabled point-of-sale terminal or reader or using that Payment Card for an in-app purchase, you are authorizing the payment for the merchant’s products or services with that Payment Card through the Mobile/Digital Wallet. To complete transactions above a certain dollar amount, merchants may require presentation of a physical companion card or a government-issued form of identification for inspection to authenticate your identity. Once provisioned to a Mobile/Digital Wallet, a Payment Card may work even if you do not have wireless service. Please be advised that when you add a Payment Card to the Mobile/Digital Wallet of your choice, the Digital Wallet allows you to use the Payment Card to conduct transactions where the Mobile/Digital Wallet is accepted; however, the Digital Wallet may not be accepted at all places where your physical Payment Card is accepted.

Your Mobile/Digital Wallet may also allow you to view recent purchase transactions made by you with your Payment Card. Please note that some of the listed transactions may be pending charges, which are temporary and are subject to change (for instance, pre-authorizations at restaurants and hotels). Your Mobile/Digital Wallet may provide you with the option and ability to turn off this purchase transaction reporting for each Payment Card. For additional card account information and activity, you can log into your NCU Online Banking Account or call the number on the back of your NCU Payment Card.

Purchases or other transactions you make with any of your Payment Cards provisioned to a Mobile/Digital Wallet are governed by this Agreement and your cardholder agreement with us. If a problem arises with the product or service you purchased through use of the Payment Card provisioned to your Mobile/Digital Wallet, you first should try to resolve the problem directly with the merchant, but you may also have rights under you cardholder agreement with us or otherwise under applicable law to resolve the problem.

6. Fees. NCU does not currently charge any fees for using the Mobile/Digital Wallet Service. However, we reserve the right to impose fees for the Mobile/Digital Wallet Service in the future, but only after written and/or electronic notification to you in accordance with applicable law. You should review your NCU Account Information Brochure (AIB) and applicable Rate & Fee Schedules for any applicable fees, interests, or other charges associated with your NCU accounts. You understand that your third-party agreements may include fees, limitations, and restrictions that may affect your use of any Payment Card(s) within the Mobile/Digital Wallet, such as data usage or text messaging charges imposed by your wireless carrier. You agree you are solely responsible for all such fees and agree to comply with such limitations and restrictions.

7. Suspension; Cancellation. NCU reserves the right, for any reason, to discontinue offering or supporting any Payment Card and/or the Mobile/Digital Wallet Service. Except as otherwise required by applicable law, NCU may block, restrict, suspend or terminate your use of any Payment Card provisioned to a Mobile/Digital Wallet at any time without notice and for any reason, including if you violate this Agreement or any of your cardholder or other agreements with us, if we suspect fraudulent activity, or as a result of the cancellation or suspension of your Payment Card account. You agree that NCU will not be liable to you or any third party for any block, suspension, cancellation, or termination of your use of any Payment Card provisioned to a Mobile/Digital Wallet.

NCU reserves the right to disqualify a Payment Card provisioned to a Mobile/Digital Wallet or to discontinue providing any services to any individual suspected of violating this Agreement or the third-party agreements related to your Mobile/Digital Wallet or the Mobile/Digital Wallet Service, in its sole discretion. ADDITIONALLY, YOU ACKNOWLEDGE AND AGREE THAT ANY ATTEMPT TO DELIBERATELY INTERFERE WITH, INTERRUPT, MODIFY, AUDIT, ASSESS, RE-ENGINEER, OR DAMAGE ANY ASPECT OF A PAYMENT CARD PROVISIONED TO A DIGITAL WALLET OR THE DIGITAL WALLET SERVICE, OR TO UNDERMINE THE LEGITIMATE OPERATION OF A PAYMENT CARD, A MOBILE/DIGITAL WALLET, OR THE MOBILE/DIGITAL WALLET SERVICE, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS. NCU MAY SEEK DAMAGES AND COSTS (INCLUDING, WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY INDIVIDUAL OR ENTITY RESPONSIBLE FOR SUCH AN ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.

You may remove one or more of your Payment Cards from your Mobile/Digital Wallet at any time by following the instructions in your Digital Wallet or by calling the number on the back of your Payment Card. We can also block a Payment Card provisioned to a Digital Wallet from being used in transactions if you instruct us to do so by contacting us at 505-888-8920 or 1-800-356-3178 and we have a reasonable opportunity to act on such instruction.

8. Electronic Contact. In addition to communications, you expressly consent to elsewhere in this Agreement, you expressly consent to receive phone calls, text messages, push notifications, and emails related to the Mobile/Digital Wallet Service from NCU and any NCU third-party service provider at any phone number (including any mobile phone number) and email address you have provided to NCU or any NCU third-party service provider. Such phone calls and text messages may include auto-dialed phone calls and text messages, prerecorded phones calls and text messages, or both. If you change any phone number you have provided to NCU or any NCU third-party service provider, for any reason, you agree to immediately notify NCU to ensure that the above communications are not interrupted or inadvertently delivered to another recipient who may be reassigned your prior phone number. You may change your phone number by following the steps outlined at www.nusenda.org.

9. Data Privacy. When you instruct NCU to provision your Payment Card(s) to the Mobile/Digital Wallet of your choice, NCU collects certain information from your Mobile/Digital Wallet provider to verify your identity, enable you to use the Payment Card(s) in your Mobile/Digital Wallet, and facilitate your participation in the Mobile/Digital Wallet Service. You authorize NCU to collect, use and share your information in accordance with the applicable NCU privacy policies (including the NCU privacy statement), as they may be amended from time to time. To facilitate your participation, you acknowledge and agree that NCU may make certain account information relating to each Payment Card you have selected to use with the Mobile/Digital Wallet Service available for display, including your most recent transaction data, but not your full Payment Card account number. You may have the ability to decline to have the transaction data made available for display and still use the Mobile/Digital Wallet Service, but you must follow the instructions for doing so in the Mobile/Digital Wallet you have selected. You agree that NCU may also collect and use technical data and related information, including, but not limited to, technical information about your Eligible Mobile Device, gathered periodically to facilitate the updates to NCU’s services. NCU may use this information, as long as it is in a form that does not personally identify you, to improve NCU’s products or to provide services or technologies to you.

You understand and acknowledge that third parties, such as your Mobile/Digital Wallet provider, Visa, and/or MasterCard will have access to certain details regarding eligible Payment Card transactions made using your Mobile/Digital Wallet. You understand that information that is provided to or held by your Mobile/Digital Wallet provider or other third parties in relation to any Digital Wallet is outside the control of NCU. As stated earlier, NCU is not responsible for the Mobile/Digital Wallet, or any other services offered by your wireless carrier or any third party. Accordingly, any information you provide to your Mobile/Digital Wallet provider or another third party through the Mobile/Digital Wallet Service, or that is collected or accessed by your Mobile/Digital Wallet provider in the course of your use of the Mobile/Digital Wallet Service, is subject to third-party agreements, and is not governed by NCU’s privacy policies or this Agreement.

10. Changes to Mobile/Digital Wallet Service Terms. NCU reserves the right to revise these Mobile/Digital Wallet Service terms at any time, and you are deemed to be aware of and bound by any changes to these terms by your continued access to or use of any Payment Card you provision to the Mobile/Digital Wallet of your choice and/or the Mobile/Digital Wallet Service. If you do not accept any revisions made to these terms, your sole and exclusive remedy is to cancel your use of and delete all Payment Card(s) provisioned to the Digital Wallet of your choice and to cease using the Mobile/Digital Wallet Service.

11. Disclaimer of Warranties. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF ANY PAYMENT CARD(S) PROVISIONED TO THE MOBILE/DIGITAL WALLET OF YOUR CHOICE AND THE DIGITAL WALLET SERVICE IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY PAYMENT CARD IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE," WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND NCU, ON BEHALF OF ITSELF AND ITS SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY PAYMENT CARD, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS.

NCU, ON BEHALF OF ITSELF AND NCU’S SUPPLIERS, ALSO DOES NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF ANY PAYMENT CARD PROVISIONED TO THE MOBILE/DIGITAL WALLET OF YOUR CHOICE OR THE MOBILE/DIGITAL WALLET SERVICE, OR THAT THE FUNCTIONS CONTAINED IN, OR SERVICES PERFORMED OR PROVIDED BY, THE MOBILE/DIGITAL WALLET SERVICE WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OR AVAILABILITY OF ANY PAYMENT CARD(S) PROVISIONED TO THE MOBILE/DIGITAL WALLET OF YOUR CHOICE OR THE MOBILE/DIGITAL WALLET SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN ANY PAYMENT CARD PROVISIONED TO THE MOBILE/DIGITAL WALLET OF YOUR CHOICE OR THE MOBILE/DIGITAL WALLET SERVICE WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY NCU, ANY OF ITS AUTHORIZED REPRESENTATIVES OR ANY THIRD PARTY SHALL CREATE ANY WARRANTY.

ACCESS, USE AND MAINTENANCE OF ANY PAYMENT CARD(S) PROVISIONED TO THE MOBILE/DIGITAL WALLET OF YOUR CHOICE DEPEND ON THE MOBILE/DIGITAL WALLET AND THE NETWORKS OF WIRELESS CARRIERS. NCU DOES NOT OPERATE THE MOBILE/DIGITAL WALLET OR SUCH NETWORKS AND HAS NO CONTROL OVER THEIR OPERATIONS. NCU WILL NOT BE LIABLE TO YOU FOR ANY CIRCUMSTANCES THAT INTERRUPT, PREVENT OR OTHERWISE AFFECT THE FUNCTIONING OF ANY PAYMENT CARD PROVISIONED TO A MOBILE/DIGITAL WALLET, SUCH AS UNAVAILABILITY OF THE DIGITAL WALLET OR YOUR WIRELESS SERVICE, COMMUNICATIONS, NETWORK DELAYS, LIMITATIONS ON WIRELESS COVERAGE, SYSTEM OUTAGES, OR INTERRUPTION OF A WIRELESS CONNECTION.

NCU EXPRESSLY DISCLAIMS ANY RESPONSIBILITY FOR THE MOBILE/DIGITAL WALLET OR ANY WIRELESS SERVICE USED TO ACCESS, USE OR MAINTAIN A PAYMENT CARD PROVISIONED TO THE MOBILE/DIGITAL WALLET OF YOUR CHOICE OR ACCESS THE MOBILE/DIGITAL WALLET SERVICE, INCLUDING, WITHOUT LIMITATION, ANY RESPONSIBILITY FOR ANY TRANSACTION OR OTHER INTERACTION BETWEEN YOU AND A MERCHANT OR OTHER THIRD PARTY, AND YOU AGREE THAT ANY SUCH TRANSACTION OR INTERACTION IS SOLELY BETWEEN YOU AND THE MERCHANT OR OTHER THIRD PARTY.

USE OF A PAYMENT CARD PROVISIONED TO THE MOBILE/DIGITAL WALLET OF YOUR CHOICE INVOLVES THE ELECTRONIC TRANSMISSION OF PERSONAL INFORMATION THROUGH THIRD-PARTY CONNECTIONS. BECAUSE NCU DOES NOT OPERATE OR CONTROL THESE CONNECTIONS, NCU CANNOT GUARANTEE THE PRIVACY OR SECURITY OF THESE DATA TRANSMISSIONS. ADDITIONALLY, YOUR SUPPORTED ELIGIBLE MOBILE DEVICE'S BROWSER IS GENERALLY PRE-CONFIGURED BY YOUR WIRELESS CARRIER. YOU SHOULD CHECK WITH YOUR MOBILE/DIGITAL WALLET PROVIDER AND YOUR WIRELESS CARRIER FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES. FOR PERSONAL OR CONFIDENTIAL INFORMATION SENT TO OR FROM NCU OVER THE INTERNET FROM YOUR SUPPORTED ELIGIBLE MOBILE DEVICE, NCU RESERVES THE RIGHT TO LIMIT SUCH CONNECTIONS TO "SECURE SESSIONS" THAT HAVE BEEN ESTABLISHED USING TRANSPORTATION LAYER SECURITY OR OTHER SECURITY STANDARDS NCU SELECTS.

NCU MAKES NO GUARANTEES ABOUT THE INFORMATION SHOWN IN THE MOBILE/DIGITAL WALLET SERVICE SOFTWARE OR HARDWARE IT CONTAINS AND MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES REGARDING THE SAME. YOU AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR EVALUATING THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION OR CONTENT AVAILABLE THROUGH THE DIGITAL WALLET SERVICE.

This “Disclaimer of Warranties” section shall survive any termination of this Agreement for any reason.

12. License for Any Payment Card Provisioned to A Digital Wallet. ANY NCU PAYMENT CARD AND THE MOBILE/DIGITAL WALLET SERVICE ARE LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THIS AGREEMENT. NCU RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU.

You are granted a non-exclusive, non-sub licensable, non-transferable, personal, limited license to install and use the Payment Card and the Mobile/Digital Wallet Service on the Eligible Mobile Device for use in the Mobile/Digital Wallet of your choice solely in accordance with the terms and conditions of this Agreement. The license is limited to use on any Eligible Mobile Device that you own or control and as permitted by any applicable third-party agreements. Such license does not allow you to use the Payment Card(s) on any device that you do not own or control (or for which you do not have authorization to install or run the Mobile/Digital Wallet Service or the Payment Card, such as where prohibited by applicable security policies in the case of corporate users), and you may not distribute or make any Payment Card or the Mobile/Digital Wallet Service available over a network where it could be used by multiple devices at the same time.

Certain software that NCU uses to provide the Payment Card(s) has been licensed from third parties (each a “Third-Party Licensor”) that are not affiliated with NCU. This limited right to use such software is revocable at the discretion of NCU. NCU and its Third-Party Licensors retain all right, title and interest in and to the software used by NCU to provide the Payment Card(s), Mobile/Digital Wallet Service, and any modifications and updates thereto. You agree that you will not use any third-party materials associated with the Payment Card(s) or the Mobile/Digital Wallet Service in a manner that would infringe or violate the rights of any party, and that NCU is not in any way responsible for any such use by you. All third-party intellectual property marks, including the logos of merchants, are the property of their respective owners.

You may not rent, lease, lend, sell, redistribute, or sublicense the Payment Card(s) or the Mobile/ Digital Wallet Service. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of any Payment Card or the Mobile/Digital Wallet Service, any updates, or any part thereof (except as and only to the extent any foregoing restriction is prohibited by applicable law or to the extent as may be permitted by the licensing terms governing the use of any open sourced components included with a Payment Card or the Mobile/Digital Wallet Service). Any attempt to do so is a violation of the rights of NCU and its Third-Party Licensors. If you breach this restriction, you may be subject to a civil lawsuit, prosecution, and damages. The terms of the license will govern any upgrades provided by NCU that replace or supplement any Payment Card, unless such upgrade is accompanied by a separate agreement in which case the terms of that agreement will govern.

You agree that a Payment Card may be automatically updated or upgraded without notice to you. At any time, at NCU’s sole discretion and without prior notice, NCU may expand, reduce, or suspend the type and/or dollar amounts of transactions allowed using a Payment Card or change the enrollment process.

The license granted hereunder is effective until terminated by you or NCU under this Agreement or any other applicable agreement between you and NCU. Your rights will terminate automatically without notice from NCU if you fail to comply with these terms or if NCU terminates the use of your Payment Card or the Mobile/Digital Wallet Service. Upon termination of the license, you must cease all use of the Mobile/Digital Wallet Service and Payment Card provisioned to the Mobile/Digital Wallet of your choice and delete all Payment Card(s) from the Mobile/Digital Wallet Service.

13. Indemnification. In addition to the indemnification provisions contained elsewhere in this Agreement, you shall indemnify, defend, and hold NCU and its affiliates, licensors (including any Third-Party Licensors), sponsors, agencies, and their respective officers, directors, employees, agents, and representatives harmless from and against any and all losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (i) your use of any Payment Card and the Digital Wallet Service that violates the terms and conditions of this Agreement or any other agreement with us; (ii) any other breach by you of the terms and conditions of this Agreement; or (iii) any violation by you of any applicable law or regulation. You must use your best efforts to cooperate with NCU in the defense of any such claim. NCU has the right to employ counsel of NCU’s choice to defend and control any such matter subject to indemnification by you. You have the right, at your own expense, to employ separate counsel to participate in such matter on a non-controlling basis. This indemnity shall survive the termination of this Agreement for any reason.

14. Your Responsibilities. 

1. Payment Card Enrollment in Your Mobile/Digital Wallet

If you want to add a Payment Card to the Mobile/Digital Wallet of your choice, you agree to follow the procedures adopted by your Mobile/Digital Wallet provider and any further procedures NCU adopts. NCU may not add a Payment Card to your Mobile/Digital Wallet if NCU cannot authenticate the Payment Card or if NCU otherwise suspects that there may be fraud associated with the Payment Card. The Mobile/Digital Wallet allows you to make purchases using an added Payment Card wherever the Mobile/Digital Wallet is accepted. The Mobile/Digital Wallet may not be accepted at all places where your Payment Card is accepted.

2. Report Lost or Stolen Devices or Payment Cards

If you enroll in the Digital Wallet Service and your Eligible Mobile Device is lost or stolen, or you have reason to believe that your Eligible Mobile Device has been compromised, including that of your fingerprint reader, PIN, or other security method, you agree to contact NCU immediately so that NCU can take action to disable your Payment Card for use within the Mobile/Digital Wallet Service. Note, however, that you are also responsible for notifying your Mobile/Digital Wallet provider if your Eligible Mobile Device is lost or stolen. NCU is not responsible for and is unable to disable your Eligible Mobile Device or Mobile/Digital Wallet; NCU can only disable your Payment Card.

Given that your Eligible Mobile Device can be used like a Payment Card to make purchases, you must notify NCU in the event your Eligible Mobile Device is lost or stolen with the same urgency as if your actual Payment Card is lost or stolen. If you fail to notify NCU, you may be liable for all, or a portion of the losses associated with unauthorized use of your Payment Card whether or not that use was through the Digital Wallet Service. If you get a new Eligible Mobile Device, you must delete all your Payment Card(s) and other personal information from your prior Eligible Mobile Device.

You must cooperate with NCU in any investigation and use any fraud prevention or other related measures NCU prescribes.

3. Security

In addition to the security procedures described elsewhere in this Agreement, you are solely responsible for maintaining the confidentiality of your Digital Wallet provider User ID, your Mobile/Digital Wallet provider passwords, your mobile device passwords, and any other means that you may use to securely access the Mobile/Digital Wallet Service on your Eligible Mobile Device. If you share these credentials with anyone, that person may be able to use your Mobile/Digital Wallet to make purchases or obtain access to your personal and payment information available through the Mobile/Digital Wallet Service. You agree to safeguard your Eligible Mobile Device at all times and not leave it unattended.

Your Mobile/Digital Wallet and your Eligible Mobile Device may contemplate certain security features and procedures to protect against unauthorized use of any of your Payment Card(s). These features and procedures are the sole responsibility of your Mobile/Digital Wallet provider. You agree not to disable any of these security features and to use these security features and procedures to safeguard all your Payment Cards provisioned to the Mobile/Digital Wallet of your choice.

4. Account Ownership/Accurate Information

You represent that you are the legal owner of the account(s) and other financial information which may be accessed via the Mobile/Digital Wallet Service. You represent and agree that all information you provide to NCU in connection with the Mobile/Digital Wallet Service is accurate, current, and complete and that you have the right to provide such information to NCU for the purpose of using the Mobile/Digital Wallet Service. You agree not to misrepresent your identity or your account information. You agree to keep your account information confidential, up to date, and accurate. You represent that you are an authorized user of the Eligible Mobile Device you will use to access the Mobile/Digital Wallet Service.

15. Termination. NCU may, in our sole discretion, terminate your Mobile/Digital Wallet Service effective immediately if: (i) there is an occurrence of a material change in your account activity or other risk analysis criteria as determined by us in our sole and absolute discretion; (ii) we at any time determine that you do not meet our risk or other qualification requirements; (iii) we discover any willful misconduct (including but not limited to types of fraudulent activity) on your part or any other party with respect to the Mobile/Digital Wallet Service; (iv) you are in default of any terms of this Agreement where such default gives us the right to terminate, immediately or otherwise, or close your account; (v) you have not used the Mobile/ Digital Wallet Service for a period of time deemed to constitute an inactive service by us (in our sole discretion); or (vi) you are in default of any terms of the Agreement or any other agreement with us. In any of these events, you agree that our sole obligation shall be to provide notice of our termination of the Mobile/Digital Wallet Service to you, and that such notification will be reasonable if it is mailed to your statement mailing address immediately upon termination.

In all other cases, either you or NCU may terminate the Mobile/Digital Wallet Service upon thirty (30) calendar days’ written notice to the other of its intent to do so, sent to you at your statement address and sent to us at the address provided herein. In the event of termination of the Mobile/Digital Wallet Service, your rights, and responsibilities as well as ours, shall continue through any applicable settlement period, including your responsibility to pay us for the Mobile/Digital Wallet Service and with respect to transactions processed prior to the effective date of termination. If the Mobile/Digital Wallet Service is terminated by us, we may accelerate all amounts due and to become due, and you agree to promptly make full payment to us of all amounts due and amounts incurred by you through your use of the Mobile/Digital Wallet Service.

Any termination of this Agreement shall not affect any of NCU’s rights and your obligations with respect to transactions initiated by you prior to such termination, or your payment obligations for services performed by NCU prior to termination, or any other obligations that survive termination of this Agreement.

16. Entire Agreement. This Agreement, together with the Account Information Brochure (AIB) and any other applicable agreement between you and NCU, is the complete and exclusive statement of the agreement between NCU and you with respect to the subject matter hereof and supersedes any prior agreement(s) between NCU and you with respect to such subject matter.

In the event of a conflict or inconsistency between the terms of the Account information Brochure, or any other agreement between you and NCU and the terms of this Agreement, with respect solely to the Mobile/Digital Wallet Service, the terms of this Agreement shall control, but only to the extent of such conflict or inconsistency. 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 NCU 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 NCU shall incur no liability to you as a result of such violation or amendment. No course of dealing between NCU and you will constitute a modification of this Agreement or constitute an agreement between NCU and you regardless of whatever practices and procedures NCU and you may use.

17. Non-Assignment. You may not assign this Agreement or any of the rights or duties hereunder to any person.

18. Waiver. NCU may waive the enforcement of any provision of this Agreement. However, any such waiver shall not affect NCU's rights with respect to any other transaction or modify the terms of this Agreement, unless expressly stated in writing and signed by NCU.

19. Binding Agreement; Benefit. This Agreement shall be binding upon and solely for the benefit of the parties hereto and their respective legal representatives, successors, and assignees. This Agreement is not for the benefit of any other person, and no other person shall have any right against NCU or you hereunder.

20. Headings. Headings are used for reference purposes only and shall not be deemed a part of this Agreement.

21. Severability. In the event that any provision of this Agreement shall be determined to be invalid, illegal, or unenforceable to any extent, the remainder of this Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.

22. Governing Law. This Agreement shall be construed in accordance with and governed by the laws of the State of New Mexico. You consent to jurisdiction with regard to any claim or proceeding related to this Agreement that is not otherwise subject to any Arbitration Agreement between you and NCU. In such cases, the claim or proceeding can only be brought in a state or federal court in the State of New Mexico. This provision does not affect or limit your rights and obligations under the Arbitration Agreement and Class Action Waiver set forth in NCU’s Account Information Brochure (AIB).