Disclosure Statements:

• OASIS/Home Banking and Bill Pay Services Disclosure, Terms and Conditions
• Electronic Funds Transfer Agreement and Disclosure with Application
• Share Certificate Truth-in-Savings Disclosure
• Share Accounts Truth-in-Savings Disclosure
• Linked Web Site Disclosure

In consideration of Cornerstone Community Federal Credit Union providing You with access to OASIS, Our Online Account Status and Information System, You agree to the terms of this Agreement and accept the liabilities listed. "You" and "Your(s)" means each person who receives this Agreement. "We", "Us", and "Our(s)" mean Cornerstone Community Federal Credit Union or anyone to whom the Credit Union transfers its rights under this Agreement.

The following terms and conditions govern the manner in which Cornerstone Community Federal Credit Union will provide OASIS Home Banking and Bill Payment Services to You:

A Credit Union Representative is available at 1-800-488-6481 or 716-434-1592 between the hours of 8:00 am to 7:00 pm weekdays. After hours, on weekends and on holidays, calls are answered by a voice mail system. We will respond to Your questions as soon as possible. E-mail questions may be sent to: oasis@cornerstonecommunityfcu.org.

Mail may also be addressed to:

Cornerstone Community Federal Credit Union
Attn: OASIS Home Banking and Bill Pay
P.O. Box 830
Lockport, NY 14095

Conditions of Electronic Funds Transfer Services:

As an Electronic Fund User, You agree to abide by the rules and regulations, as they may be amended from time to time by Us relating to the use of OASIS Services. These include but are not limited to:

• Protecting Your Security Code: The Security Code issued to
  You is confidential and should not be disclosed to third parties or recorded on or with any documentation. You are responsible for safekeeping Your Security Code. You agree not to disclose or otherwise make Your Security Code available to anyone not authorized to sign on Your accounts. If You authorize anyone to use Your Security Code, that authority shall continue until You specifically revoke such authority by notifying the Credit Union.
  You understand that any joint owner You authorize to use a Security Code may withdraw or transfer funds from any of Your accounts. If You fail to maintain the security of the Security Code and the Credit Union suffers a loss, We may terminate Your EFT services immediately.
• Joint Accounts: We may follow all instructions given to OASIS by the account holder. If any of Your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any share and savings or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.
• Indemnification: You agree to indemnify and hold Us harmless from any costs or damages which We sustain as a result of carrying out Your instructions in a reasonable manner.
• Insufficient Funds: In the event any checking (share draft) account is overdrawn, We may at Our option, clear the overdrafts(s) by transferring monies from other funds that may be available in related accounts. You will be responsible for all costs of collecting the amounts You owe under this Agreement, including but not limited to, reasonable attorney's fees.
  

Services

From a personal computer via the Internet, You can: access Your Credit Union account; review Your balances; transfer funds within Your account; pay bills; review historical transactions; make loan payments or take an advance on Your line of credit loan; transfer funds between accounts that You are joint on and have set up for OASIS access; and send e-mails to Cornerstone Community FCU's Member Service Department.

You authorize Us to utilize Integrasys to provide the Services to You on Our behalf.

Payment of taxes or court directed payments via the Services is prohibited.

We reserve the right to refuse to make any payment and/or transfer.

Funds will arrive at Your targeted Merchant and/or Account as close as reasonably possible to the date designated by You in Your payment and/or transfer instruction (Payment Date). Subject to the terms and conditions of this Agreement, You authorize Us, and any third party acting on Our behalf, to choose the most effective method to process Your payment and/or transfer, including, without limitation, electronic, paper or some other draft means. For each properly instructed payment to an eligible Merchant and/or transfer to a targeted Account You will receive a transaction confirmation number (Confirmation Number).

The Payment Date indicated by You must always be a Business Day (as defined below). If it is not, the Payment Date will be deemed to be the first Business Day after the date indicated.

UNLESS YOU RECEIVE A CONFIRMATION NUMBER, WE SHALL NOT BE LIABLE FOR ANY FAILURE TO MAKE A PAYMENT AND/OR TRANSFER, INCLUDING ANY FINANCE CHARGES OR LATE FEES INCURRED AS A RESULT. IT IS ALSO IMPORTANT THAT THE PAYMENT DATE BE ON OR BEFORE THE MERCHANT DUE DATE, NOT THE LATE DATE, AND, SINCE THE TIME FOR US TO PROCESS YOUR PAYMENT VARIES ACCORDING TO THE PARTICULAR MERCHANT, YOU MUST BECOME FAMILIAR WITH THE PAYMENT PROCESSING TIME FOR EACH MERCHANT YOU DESIRE TO PAY, AND ALLOW THE APPROPRIATE NUMBER OF BUSINESS DAYS BETWEEN THE DAY YOU INPUT YOUR PAYMENT INSTRUCTION AND THE PAYMENT DATE. SUBJECT TO THE LIMITATION DISCUSSED BELOW, IF YOU FOLLOW THE PROCEDURES DESCRIBED IN THIS AGREEMENT FOR PAYMENTS, AND YOU ARE ASSESSED A PENALTY OR LATE CHARGE, WE WILL REIMBURSE YOU FOR THAT LATE CHARGE UP TO A MAXIMUM OF THIRTY DOLLARS ($30.00). WE MAY REQUEST THAT YOU PROVIDE THE NECESSARY BACKGROUND DOCUMENTATION TO US FOR REVIEW. IN THE EVENT THAT YOU DO NOT ADHERE TO THE OBLIGATIONS SET FORTH IN THIS AGREEMENT, OR YOU SCHEDULE A PAYMENT LESS THAN THE NUMBER OF BUSINESS DAYS BEFORE THE DUE DATE REQUIRED FOR A PARTICULAR MERCHANT, YOU WILL BEAR FULL RESPONSIBILITY FOR ALL PENALTIES AND LATE FEES AND WE WILL NOT BE LIABLE FOR ANY SUCH CHARGES OR FEES. THE SERVICE ASSUMES NO LIABILITY FOR THE LATE POSTING OR MISAPPLICATION OF PAYMENT ONCE FUNDS ARE RECEIVED BY MERCHANTS. THIS ABSENCE OF LIABILITY, HOWEVER, DOES NOT PRECLUDE SERVICE FROM WORKING TO RESOLVE THESE TYPES OF ISSUES WHEN THEY ARISE. IF REQUIRED WE WILL BE RESPONSIBLE FOR PROVIDING PROVISIONAL CREDIT IF PAYMENT DISPUTES THIS ACTION.

Limitation of Service: Under no circumstances will We be liable if We are unable to complete any payments and/or transfers initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances:

1. You do not obtain Confirmation at the timeYou initiate a payment and/or transfer.
2. The designated Account does not contain sufficient funds to complete the payment and/or transfer.
3. You have closed the designated Account.
4. We have identified You as a credit risk and have chosen to
1. make all payments and/or transfers initiated by You via the Services utilizing a paper, as opposed to electronic, method, or
2. to terminate Your subscription to the Services.
5. The Services, Your equipment, the software, or any communications link is not working properly and You know or have been advised by Us about the malfunction before You execute the transaction.
6. You have not provided Us with the correct information for those Merchants to whom You wish to direct payment or Accounts to which You wish to make a transfer.
7. The Merchant mishandles or delays handling payments sent by Us.
8. Circumstances beyond Our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction and We have taken reasonable precautions to avoid these circumstances.

WE ARE NOT RESPONSIBLE FOR ANY OTHER LOSS, DAMAGE OR INJURY, WHETHER CAUSED BY YOUR EQUIPMENT OR SOFTWARE, THE SERVICES, OR ANY TECHNICAL OR EDITORIAL ERRORS CONTAINED IN OR OMISSIONS FROM ANY USER GUIDE/BROCHURE RELATED TO THE SERVICES. WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE OR THE SERVICES, EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD.

Payment Cancellation/Modification: Except for those transfers which are completed immediately, You may cancel or modify a payment and/or transfer up to 2:00 p.m. Eastern Time (ET) the same Business Day You schedule for payment and/or transfer.

Statements: All payments and/or transfers made via OASIS will be listed on Your monthly account statements that You receive from Us.

Business Days: Cornerstone Community FCU's business days are Monday through Friday excluding most legal holidays. Access to OASIS is offered 24 hours a day, 7 days a week.

New Services: We may, from time to time, introduce new services or enhance the existing Services. We shall notify You of the existence of these new or enhanced services. By using these services when they become available, You agree to be bound by the obligations concerning these services, which will be sent to You.

Care of Your Security Code: You agree that You will not give your Security Code, or make it available, to any other person. If You believe that Your Security Code has been lost or stolen, or that someone has made payments and/or transfers using Your Security Code without Your permission, notify Us IMMEDIATELY by phone any time during Member Service hours or send an electronic message through OASIS.

If You do NOT notify Us within two (2) business days after You learn of the loss or theft of Your Security Code, and We can prove that We could have prevented someone from using your Security Code if You had told Us in time, You could lose as much as $500.00.

Contact Us as soon as possible at either the address or telephone number listed prior if You think that a payment and/or transfer listed on Your statement of account is in error or if You need more information about a payment and/or transfer listed on the statement. We must hear from You no later than 60 days after You received the first statement on which the problem or error appeared. If You do not notify Us within 60 days after the statement was mailed to You, You may lose the total amount of money if We can prove that We could have stopped someone from taking the money if You had told Us in time.

Immediate notification helps Us protect You and Your account from unauthorized transactions. Late notice or no notice subjects You to losses ranging from under $50 to unlimited losses. If a good reason (such as a hospital stay or a long trip) prevented You from telling Us, We may at Our discretion, extend the time.

When You call or write Us, You must:

1. Tell Your name and User ID.
2. Describe the payment and/or transfer You are unsure about (Merchant Name, Account information, Transaction Date, Transaction Amount) and explain as clearly as You can why You believe it is an error or need more information. If possible, please provide Us with the Confirmation Number for such transaction.
3. Tell Us the dollar amount of the suspected error. If You tell Us orally, or by using the OASIS e-mail, We may require that You send Your complaint in writing within 10 business days. We will tell You the result of Our investigation within 10* business days after We receive Your complaint and will correct any OASIS error promptly. If We need more time, We may take up to 45** days to investigate the complaint or question. If We decide to do this, We will credit Your Account within 10* business days after we hear from you, for the amount You think is in error in order that You may have the use of the money during the time it takes to complete Our investigation. If We ask You to put Your question or complaint in writing and We do not receive it within 10 business days, We may not credit Your Account.
4. If We decide that there was no error, We will send You a written explanation within 3 business days after We have completed the investigation, and within 10 business days of the date of such explanation, We will debit Your account of the amount previously credited to You for use during the time We took to complete Our investigation. You may ask for copies of documents used during Our investigation.

* If You give notice of an error within 30 days after You make the first deposit to Your account, We will have 20 business days instead of 10 business days.
** If You give notice of an error within 30 days after You make the first deposit to Your account, a notice of an error involving a transaction initiated outside the U.S., its possessions and territories, We will have 90 days instead of 45 days to investigate.

1. When it is necessary for completing payments and/or transfers;
2. In order to comply with a government agency or court order; or
3. If You give us Your written permission.
   

You will pay all monthly charges from a designated Checking (Share Draft) Account. In the event of Your failure to timely pay Us, You authorize Us to effect an automatic transfer from one of Your other accounts by electronic, paper or other means.

In the event We must process an OASIS Bill Pay transaction that would overdraw Your account, (if, for example, there are insufficient funds or overdraft fees in Your designated accounts and no other funds are available to be transferred) the transaction will result in a negative balance in Your designated account. In such event, We will still charge the total cost of the transaction, including any service charges, (i.e. insufficient funds) to You. In the event of repetitive overdrawing of Your account, We reserve the right to suspend Your subscription to OASIS Bill Pay services. This suspension may be without prior notice to You. If Your subscription is suspended, transactions which were previously initiated may still continue to be processed unless canceled and confirmation of such cancellation is provided as specified below. Suspension will be handled by the OASIS Member Service area and all inquiries and correspondence relating thereto, including requests for reinstatement should be directed to OASIS Member Service. In the event Your subscription is suspended, We will notify You by mail to Your listed address. With respect to any overdrawn amount, You agree to reimburse Us within fourteen (14) days after notice is sent to You, for any funds We have already paid to one or more of Your designated Merchants which We were unable to recover by debit to the Merchant or charge to You.

If You do not pay any amount owed to Us when due, You agree to pay interest on the unpaid balance at the rate of 15% per annum, or 1.25% per month (or the maximum rate allowed by applicable law, if less). In the event that Your claim or debt has to be referred to a third party for collection, You agree, to the extent permitted by law, to pay all costs and fees incurred in collecting the outstanding balances, including reasonable attorneys' fees and court costs.

1. We reserve the right to terminate Your use of the Services, in whole or in part, at any time without prior notice based on the following conditions: upon Your default or failure to satisfy the terms of this Agreement; and/or upon adverse reevaluation of Your credit worthiness. If Your account is terminated by Us, You will be given notice in writing. Termination will not relieve You of any obligation to repay any sums owed.
2. You may cancel Your subscription to OASIS Home Banking with or without Bill Pay service by notifying Us in writing. You will be responsible for all payments and/or transfers You have requested prior to termination and for all other charges and/or fees incurred.
3. BE SURE TO CANCEL ALL OUTSTANDING PAYMENT AND/OR TRANSFER ORDERS BEFORE CANCELLING YOUR SUBSCRIPTION. WE WILL NOT BE LIABLE FOR PAYMENTS AND/OR TRANSFERS NOT CANCELLED OR MADE DUE TO YOUR ACTIONS RELATED TO SERVICE TERMINATION.

Disputes: In the event of a dispute regarding OASIS, You and We agree to resolve this dispute by looking to these Terms and Conditions. These Terms and Conditions shall supersede any and all other representations made by You or Our employees.

Governing Law: This Agreement is governed by the Bylaws of Cornerstone Community FCU, the federal laws and regulations of the United States Government, the laws and regulations of the State of New York and local clearinghouse rules as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the courts in the county in which the credit union resides.

Enforcement: You are liable to Us for any loss, cost or expenses we incur resulting from Your failure to follow this Agreement. You authorize Us to deduct any such loss, costs or expenses from Your account without prior notice to You. If We bring a legal action to collect any amount due under or to enforce this Agreement, We shall be entitled, subject to applicable law, to payment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceeding, and any post-judgment collection actions.