Powerline Disclosure 2

Powerline Financial Services Agreement & Disclosure, Cont’d

ACCOUNT ACCESS

You can use Powerline to access your accounts with Edco.

Powerline will allow you to:

*Transfer funds between your checking and savings. You may transfer funds through Powerline in any amount between $1.01 and 99,999.99.

*An Account Summary of all your accounts

*Review your statement history on your share draft checking.

*Review checks that have cleared on your Share Draft Checking account.

*Make loan payments on your loans with Edco.

*Obtain information about Edco, products we offer and current rates.

*Change Your password.

*Request a check withdrawal to be sent to the address on file.

You must designate one account as your primary online account. We will link your other accounts to your primary account. Limitations on Share Accounts described in our Electronic Funds Transfer Agreement apply to Online Financial Service Transactions.

NO LIABILITY FOR SITES LINKED TO THIS ONE

Unless we indicate to the contrary, any hyperlinks provided by other sites to our web page are not controlled by us. Any use of hyperlinks from this site to a site not controlled by us is done at your own risk. Any links purporting to link to this site are likewise done at your own risk. All content, products, opinions expressed or services offered, provided by those pages are the responsibility of their authors and are not endorsed, verified, or authorized by us. We make no representations or warranties concerning this site or their services. Descriptions of or links to or references to our web site do not imply our endorsement of any products, services, or their information.

DISCLOSURE OF WARRANTY

Our online financial services are provided without warranty of any kind on a “as is” basis. You assume any risk in using the online banking service. The guarantees or warranties or representatives are made regarding correctness, accuracy, or reliability concerning your use of the online financial services. We make no warranty either expressed or implied including, but not limited to, implied warranties of merchantability in fitness for particular purpose as to our online banking service unless disclaiming such warranties are prohibited by law.

MEMBER LIABILITY

It is your responsibility to protect your password and account data. We are entitled to act on transaction instructions received using your password and you agree that the use of your password will have the same effect as your signature authorizing the transaction(s). If you authorized other persons to use your password in ANY MANNER, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization. For your protection you should guard the secrecy of your password. We recommend that you do not use software programs to maintain your account number and password where non-owners can obtain it and access your accounts.

Any fees associated with the online banking service, online financial service and any other fees you may incur through your Internet service provider or telephone company for the use of our online banking service are your responsibility.

It is your responsibility to record all transactions conducted using our online banking service. We will not mail printed receipts for transactions conducted through the online banking service.

Your rights under the Electronic Funds Transfer Act are more fully described in the Credit Union’s Electronic Funds Transfer Act Disclosure. Please review this document in conjunction with your use of our online financial services.