Relax. Enroll.

Enrolling in Founders Online is easy. Please review and accept the following terms and conditions to continue with enrollment.

 
Terms and Conditions
ELECTRONIC SIGNATURE AGREEMENT

1. Agreement
If you contract with us electronically or otherwise request documentation or disclosures electronically, you specifically consent and agree that we may provide all disclosures, agreements, contracts, periodic statement, receipts, notices, modifications, amendments, and all other evidence of our transactions with you or on your behalf electronically (hereinafter all such documentation is referred to as "electronic record(s)"). You have a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. Also, you may withdraw your consent and revoke your agreement to receive records electronically. To request a paper copy or to withdraw your consent and agreement to receive electronic records call, write, or visit a local Founders office as set forth in this Agreement. Withdrawal of your consent will terminate your enrollment in all Founders electronic services including Founders Online, Founders Mobile Banking, eLending, eMortgage, secure forms, Founders Bill Pay, Founders Credit Cards Online Services, eStatements and Call 24.

When you use our services or you permit any other person to access your account using our services, you agree to the terms and conditions we have set forth in this Electronic Signature Agreement and any instructional material which we provide you regarding the services. Your use of the services may be made by use of certain numbers, codes, marks, signs, public keys or other means of establishing your identity and acceptance of the electronic communications which are acceptable to us.

All electronic communications that meet these requirements will be deemed to be valid and authentic, and you intend and agree that those electronic communications will be given the same legal affect as written and signed paper communications. You agree that electronic copies of communications are valid, and you will not contest the validity of the original or copies, absent proof of altered data, or tampering.

2. Equipment and Software Requirements
To use Founders Online services, you must use a personal computer or other device with the capacity to interface by modem or other device to an Internet Service Provider using current high security encryption methods. Once a live connection to the Internet is established you may access Founders Online services from our web site at foundersfcu.com.

These are the present minimum requirements that are required to access and use the system, which may change without notice. We make no warranty or representation regarding the access speed that you will have now or in the future, as such is beyond the control of the Credit Union (depending largely on your computer system and method of access -- e.g., dial up connection vs. DSL or other connection). Also, these minimum requirements are likely to change as technology, software, and other matters continue to evolve.

You are responsible for the set-up, maintenance, and security of your personal computer and modem. Ask your personal computer retailer, service technician, and or your Internet Service Provider (ISP) to make certain your personal computer hardware, software, modem, phone connection, and internet service subscription will allow you to connect to Founders Online.

The Credit Union is not responsible for providing any equipment, services or advice related to equipment necessary to interface with the Founders Online web site, and is not responsible for any error in connections, transmissions or otherwise regarding any system, software, entries or instructions.

A. BROWSER SOFTWARE
To use Founders Online services, you need the most recent version available of an industry standard web browser that is compatible with current secure session encryption methods.

Founders recommends you select the most recent versions of Internet Browser Software with encryption enabled for connection to Founders Online. Use and access to our on-line/electronic credit union services requires the use of a browser that supports SSL and 128 bit encryption or higher. We can not guarantee access to our online/electronic credit union services through outdated browser software.

ADDITIONAL SOFTWARE
Acrobat Reader software from Adobe Systems, Inc. may be required for reading and printing this agreement and or other documentation available at foundersfcu.com. Internet browser software and Acrobat Reader are generally available free of charge through the Internet, but may require additional Hard Disk storage space on your computer.

B. OBTAINING SOFTWARE
Internet browser software is generally available free of charge through the Internet, your Internet service provider, or hardware vendor and may require additional Hard Disk or memory storage space on your computer or handheld device. Check for the availability of browser updates, new versions, and security enhancements regularly through your vendor of choice.

C. VIRUS PROTECTION
We are not responsible for any electronic virus, or viruses, worms, Trojan horse, or other harmful or intrusive components (exploits) you may encounter through your connection to the Internet or from sources other than Founders Online services. The Credit Union strongly suggests that you routinely scan your personal computer and storage media using a reliable up-to-date virus protection software product to detect and remove any viruses found. An undetected or un-repaired virus, intrusion, or exploit may corrupt and/or destroy your programs, files and even your hardware. Some virus exploits may also allow intruders to view your personal data and or monitor your connection to Founders Online. Check for the most recent virus software updates regularly.

D. COOKIES
Use of our website or linking to a site we sponsor requires the use of "cookies," which are small pieces of information a web site stores on a visitor's web browser to remind the site about the user the next time the site is visited. We do not store confidential or sensitive information through the use of cookies. Our use of cookies enhances our members' online transactions and eases navigation through our web site. For certain online transactions cookies are required to help protect the privacy of a member's transactions by, for example, terminating the session if the member forgets to log out. We collect e-mail addresses from members who request electronic services and from users of our web site who choose to provide their addresses.



By requesting any sign-on, balance information, electronic funds transfers, home banking, other electronic services or transactions, by submitting any application, agreement, or communication to us electronically, or by e-mailing us, you represent that you have such equipment and software and that you can download, access, read, review, print and store the electronic records we provide you.

3. Performance of Software and Electronic Service and Warranty Disclaimer
Neither we, nor any of our agents, affiliates or any other person(s), nor any software supplier nor information provider represents and warrants to you that the software we may supply to you for the Founders Online service is free from any defects, computer virus or other software-related problems. In the event of such defects or computer virus caused by the Founders Online software, our sole responsibility shall be limited to the replacement or the reasonable cost of replacement of the software we provided in connection with the Founders Online services. 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 the Founders Online services, or for any loss of any data, even if we have been informed of the possibility of such damages. In states which do not allow the exclusion or limitation of liability for indirect, special, incidental or consequential damages, our liability is limited to the extent permitted by applicable law.

FURTHER, NEITHER WE, NOR ANY AGENT, AFFILIATE OR OTHER PERSONS, ANY SOFTWARE SUPPLIER NOR ANY INFORMATION PROVIDERS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, TO YOU CONCERNING THE SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW.

In no event will we or our officers, directors, employees or agents be liable to you for any consequential, incidental or indirect damages arising out of the use, misuse, or inability to use the services, or for any loss of any data, even if we have been informed of the possibility of such damages. We make no warranty to you regarding your equipment or the software, including any warranty of merchantability or fitness for a particular purpose.

4. Electronic Signature
You consent and agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action while using any electronic service we offer; or in accessing or making any transactions regarding any agreement, acknowledgement, consent, terms, disclosures or conditions constitutes your signature, acceptance and agreement as if actually signed by you in writing. Further, you agree that no certification authority or other third party verification is necessary to the validity of your electronic signature; and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract between you and the Credit Union.

5. Email Communications
You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application and Signature Card, or any other application or written communication actually received by us.

Any account owner, co-borrower, or authorized user may change the e-mail address for information from us at any time.

Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability, or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction.

Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you to be submitted to us in writing, and we may refuse to send certain information through unsecured e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized transaction, stop payment request or otherwise, you may call the Credit Union at the telephone number below.

Contact your local Founders office or call a Founders Representative at 1-800-845-1614.

You may fax us at 803-289-5054.

You may also write to us at 737 Plantation Road, Lancaster, SC 29720.

6. Liability for Loss or Erroneous Data
Each party will bear the liability or the risk of any error or loss of data, information, transactions or other losses, which may be due to the failure of their respective computer system or third party communications provider on which each party may rely. We shall have no liability to you for any damage or other loss, direct or consequential, which you may incur by reason of your use of your computer system.

7. Links to Other Sites
The website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party website. Credit Union is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk.

8. Harm to Computer Systems/Data
You agree that our liability for viruses, worms, Trojan horse, or other harmful or intrusive components that may enter your computer system by downloading information, software, or other materials from Founders Online shall be limited to replacement or the reasonable cost of replacement for the lost information, software, or other material. We will not be responsible or liable for any indirect, incidental or consequential damages, which may result from such malicious harmful components.

9. Amendment of this Agreement
We may amend this agreement (including changes in its fees and charges hereunder) by giving you notice at least 30 days in advance of the effective date of the amendment, unless such change or amendment is otherwise required by law or applicable regulation. Your continued use of the services is your agreement to the amendment(s).

10. Choice of Law
This Agreement shall be governed by and interpreted under South Carolina and Federal Law.

11. Waiver
We may waive any term or provision of this agreement at any time or from time to time, but any such waiver shall not be deemed a waiver of the term of provision in the future.






FOUNDERS ONLINE SERVICES AGREEMENT

I. FOUNDERS ONLINE AND BILL PAYMENT SERVICES
This Founders Online Agreement and the Electronic Signature Agreement jointly referred to as “Agreement” is
between Founders Federal Credit Union (hereinafter “we", "us", "our", "Founders", "Founders Online", "Founders Bill Pay" or "Credit Union”) and each member who has enrolled in our Founders Online service, together with any person who is authorized by a member to use or access their Founders Online service (hereinafter referred together as “you, your, or yours.”). "Services" means that information, communications, and transactions provided to you by us through any non-branch remote channel, including Call 24 and the Founders Federal Credit Union Website,
www.foundersfcu.com (site) within our Federally Chartered Field of Membership including, but not limited, to the
following: Account Information, Funds Transfers, Bill Payments, Stop Payments, Check Inquiry and Check Reorder for
account(s) established at a branch or any products or services offered by or through Founders Federal Credit Union.
When you use our services or you permit any other person to use our services, you agree to the terms and conditions
we have set forth in this Agreement and any instructional material which we provide you regarding the services. Your
use of the services may be made by use of certain numbers, codes, marks, signs, public keys or other means of
establishing your identity and acceptance of the electronic communications which are acceptable to us. All electronic
communications that meet these requirements will be deemed to be valid and authentic, and you intend and agree that
those electronic communications will be given the same legal affect as written and signed paper communications. You
agree that electronic copies of communications are valid, and you will not contest the validity of the original or copies,
absent proof of altered data, or tampering.
If you contract with us electronically or otherwise request documentation or disclosures electronically, you specifically
consent and agree that we may provide all disclosures, agreements, contracts, periodic statement, receipts, notices,
modifications, amendments, and all other evidence of our transactions with you or on your behalf electronically
(hereinafter all such documentation is referred to as "electronic record(s)"). You have a right to receive a paper copy
of any of these electronic records if applicable law specifically requires us to provide such documentation. Also, you
may withdraw your consent and revoke your agreement to receive records electronically. To request a paper copy or to
withdraw your consent and agreement to receive electronic records call, write, or visit a local branch as set forth in the
Schedule. Withdrawal of your consent may take two forms. First, you may request withdrawal from all electronic
services. This request will terminate your enrollment in all Founders electronic services including the Founders Online, Founders Mobile Banking, eLending, eMortgage, secure forms, Founders Bill Pay, Founders Credit Cards Online Services, eStatements and Call 24. Second, you may request withdrawal from the electronic statements portion of Founders Online services only. This request will allow you to access all Founders Online services except the electronic statements portion and you will receive a paper statement mailed to you periodically.
The Founders Online and Founders Bill Pay are additional “electronic” services provided to increase the convenience of our members. This Agreement supplements the other terms and conditions set forth in the "Accounts and Services of Your Credit Union" (Disclosure Booklet). To the extent that there is any conflict between the other terms of the
Disclosure Booklet, this Section will govern our relationship with you.

A. Founders Online Definitions.
1. "Founders Online" means our total services accessed via Internet connection for the convenience of our
membership.
2. "Founders Bill Pay" means our service that allows you to pay (either by electronic transfer or postal delivered
check) designated Payee(s) through a Founders service partner.
3. "Payee" means any individual, financial institution, educational institution, company, merchant or other person or
entity that you wish to pay using Founders Online Bill Pay services.

B. Eligibility
In order to enroll and activate services through Founders Online, you must be eligible to maintain an account with
Founders Federal Credit Union. To determine your eligibility for Founders Online services, now and in the future, you authorize us to make inquiry to determine your employment history and to obtain information concerning any accounts with other institutions and your credit history, including consumer credit reports.
To use Founders Online services, you must use a personal computer or other device with the capacity to interface by
modem or other device to an Internet Service Provider using the highest available SSL encryption. Once a live
connection to the Internet is established you may access Founders Online services from our web site at
foundersfcu.com.
You are responsible for the set-up, maintenance, and security of your personal computer and communications equipment. The Credit Union is not responsible for providing any equipment, services or advice related to equipment necessary to interface with the Founders Online web site, and is not responsible for any error in connections, transmissions or otherwise regarding any system, software, entries or instructions.

II. FOUNDERS BILL PAY FEES
Access to Founders Online is free. If you elect to enroll in Founders Bill Pay service, you will be charged a monthly
subscription fee on the second business day of each month. Subscription and other applicable service fees
(insufficient funds, stop payment, check copy, etc.) will be debited from the account used to make the bill payment. In
addition to the insufficient funds fee charged by Founders, the bill pay service provider will also charge a fee for
insufficient funds. You may also contact a Founders Representative for more information. Please refer to the attached
Addendum A "Founders Online and Founders Bill Pay Fee Schedule" for a complete listing of all fees related to
Founders Online and Founders Bill Pay services.

III. PARTIES’ RESPONSIBILITIES
A. Member’s Responsibilities
1. Personal Identification Information
You are responsible for keeping your Founders Online username, password, security questions and answers (hereafter referred to as personal identification information) and account data confidential. We are entitled to act on
transaction instructions received using your personal identification information, and you agree that the use of
your personal identification information will authenticate your identity and verify the instructions you entered
for the transaction. You agree, therefore, that by entering your personal identification information, you are
authorizing Founders Federal Credit Union to accept your Founders Online log in as your personal
signature. If you authorize other persons to use your personal identification information 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 and changed your personal identification information. You are responsible for
any transactions made by such persons until you notify us in writing that transactions made by that person or
instructions regarding your account(s) are no longer authorized. It is also important for you to know that a
Founders representative can assist you in changing your personal identification information if you have
forgotten it.

2. Personal Computer Security
You are responsible for the set-up, maintenance, and security of your personal computer and modem or other connection device. You understand that frequent regular software updates for Internet Browsers, Antivirus, Operating Systems, Media Players, and other communication software is essential to the security of your connection to Founders Online and that in the event of a disruption, interruption, or delay in your ability to connect to Founders Online services, you have multiple alternative means provided to you by the credit union to manage your personal accounts and bill pay requests (Founders office visits, Call 24, Founders Mobile Banking App, Call Center Representatives). In no event will your inability to connect to Founders Online services be construed to relieve you of any payment obligation or membership responsibilities. You also understand that access to your personal computer while logged on to Founders Online services may allow
anyone in close proximity to your PC display to view your personal account information and, in your absence,
to make or modify transaction instructions. You recognize your responsibility; therefore, to safe guard your
personal identification information and the physical access to your personal computer and Founders inability,
in such circumstances, to distinguish between you as the authorized account owner, or joint owner, and an
intruder.

3. Reporting Unauthorized Transactions
If you believe that an unauthorized transaction has been or may be conducted from one of your Credit Union accounts without your permission contact us immediately:

Contact your local Founders office or call a Founders Representative at 1-800-845-1614.

You may fax us at 803-416-5054.

You may also write to us at 737 Plantation Road, Lancaster, SC 29720.

Contacting us right away will help you reduce possible losses. To the extent a transaction is an electronic
fund transfer, you may lose no more than $50.00 if you notify us within two business days of discovering an
unauthorized use of the Founders Online or Founders Bill Pay services or your Call 24 PIN. You may,
however, lose as much as $500.00 if you do not notify us within two business days of discovering the
unauthorized use and we can prove that we could have stopped the unauthorized use had we been notified.
If you do not report unauthorized transactions that appear on any of your periodic statements within 60 days
after such statements are mailed or electronically made available to you, you risk unlimited losses on such
transactions if we can prove that we could have prevented the unauthorized use had we been notified within
this 60 day period. If you are delayed in notifying us for good reason (e.g. extended trip or hospital stay) we
have the option to extend these time periods.

4. Payment of Fees for Service
Founders Online is provided as a service to members of the credit union in good standing. Enrollment is elective and may be cancelled by the member or by Founders at any time. Founders Bill Pay is an elective service for a fee and requires participating members to pay all fees associated with the service according to the attached fee schedule Addendum A and as defined in this agreement and our service provider’s Terms and Conditions. Members may elect to cancel enrollment, or Founders or Founders Service Provider may cancel enrollment, in Founders Bill Pay at any time. Members who elect to discontinue Founders Bill Pay service and/or choose to close their primary share account are responsible for all unpaid fees related to Founders Bill Pay services provided. Founders and Founders Service Provider will collect all fees.

B. The Credit Union’s Responsibilities
1. Our Responsibility for Processing Transactions
If we do not complete a transfer to or from your Account or cancel a transfer as properly requested on time or in the correct amount according to our agreement with you, we are liable for your losses or damages.
Our sole responsibility for an error in a transfer will be to correct the error, but in no case will we be liable for
any indirect, special, incidental or consequential damages. In states that do not allow the exclusion or
limitation of liability for indirect, special, incidental or consequential damages, our liability is limited to the
extent permitted by applicable law.

2. Limitations of Our Responsibility for Processing Transactions
There are some exceptions to our liability for processing transactions on your Accounts. We will not be liable, for instance:
(a) if, through no fault of ours, you do not have enough money in your Account to make the transfer/payment;
or
(b) if the transfer/payment would go over the credit limit on your overdraft line; or
(c) if the funds in your Account were attached or because of legal restrictions affecting your Account; or
(d) if circumstances beyond our control such as interruption of telephone service or telecommunication
facilities, or natural disaster (such as a fire or flood) prevent the transfer, despite reasonable precautions
that we have taken; or
(e) if local, regional, national, or international Postal Delays or disruptions delay or prevent delivery of your
payment to your Payee.
(f) if you do not set up the payment soon enough for payment to be received and credited by the payee in
advance of the due date; or
(g) if your Payee does not credit your payment promptly or properly after receipt; or
(h) if Internet Service outages or Denial of Service attacks on servers or systems supporting Founders Online
communications with the Internet; or
(i) if you have not provided us with complete and correct payment information, including without limitation the
name, address, account number and payment amount for the Payee on a bill payment; or
(j) if you have not properly followed the instructions for using our Founders Online services; or
(k) if you receive notice from a merchant or institution that any payment you have made through our Founders
Online services remains unpaid, and you fail to notify us of this fact within five (5) calendar days from the
date you receive any such notice; or
(l) if the payee was a merchant or institution, you are not permitted to designate; or
(m) for any failure to provide access or for interruptions in access to our Founders Online services due to a
system failure or due to other unforeseen acts or circumstances; or
(n) for any errors or failures from any malfunction of your personal computer or any computer virus or other
problems related to your personal computer equipment used to access our Founders Online services; or
(o) for any error, damages or other loss you may suffer due to malfunction or misapplication of any system
you use, including your browser (Netscape Navigator®, Microsoft Internet Explorer®, or otherwise), your
Internet service provider, your personal financial management or other software (such as Quicken® or
Microsoft Money®), or any equipment you may use (including your telecommunications facilities,
computer hardware and modem) to access or communicate with the Founders Online services.

3. Performance of Software and Electronic Service and Warranty Disclaimer
Neither we, nor any of our agents, affiliates or any other person(s), nor any software supplier nor information
provider represents and warrants to you that the software we may supply to you for the Founders Online
service is free from any defects, computer virus or other software-related problems. In the event of such
defects or computer virus caused by the Founders Online software, our sole responsibility shall be limited to
the replacement or the reasonable cost of replacement of the software we provided in connection with the
Founders Online services. 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 the Founders Online services, or for any loss of any
data, even if we have been informed of the possibility of such damages. In states which do not allow the
exclusion or limitation of liability for indirect, special, incidental or consequential damages, our liability is
limited to the extent permitted by applicable law.

FURTHER, NEITHER WE, NOR ANY AGENT, AFFILIATE OR OTHER PERSONS, ANY SOFTWARE
SUPPLIER NOR ANY INFORMATION PROVIDERS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, TO
YOU CONCERNING THE SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING,
BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
PURPOSE OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, UNLESS DISCLAIMING SUCH
WARRANTY IS PROHIBITED BY LAW.

4. Bill Payments
We are not responsible for postal delays or processing delays by the Payee for any Bill Payment
made through the services of Founders Online.

IV. SETUP AND USE OF FOUNDERS ONLINE SERVICES
A. Access to Founders Online Services.
Founders Online services are generally accessible through the Internet 24 hours a day, seven days a week, except
that Founders Online services may be periodically inaccessible for a reasonable period of time for system
maintenance. Founders Federal Credit Union makes no guarantees nor warranty of Founders Online services
availability through the Internet. We may modify, suspend, or terminate access to the Founders Online services at any
time and for any reason without notice or refund of fees you've paid.

B. Account Access
Members who are enrolled in Founders Online service can access their Personal and Joint Ownership Accounts at the Credit Union through an Internet connection to foundersfcu.com.
• Each Personal or Joint Ownership Account Number will require a separate log in process.
• You can also specifically request permission to transfer funds to an account you do not own through the Call-24
Cross account service (contact a Founders Representative for assistance). You will not be permitted to see account
balance information or any personal/private information for any account you do not own.
• You understand that any and all joint owners that have knowledge of your personal identification information
(personal account number, username, password, and Call 24 PIN) will have access to all such accounts
through Founders Online and Founders Bill Pay, and are authorized to conduct transactions through Founders Online
and Founders Bill Pay. You also understand that Founders Federal Credit Union has no means to verify your personal
identity during electronic sessions except through your personal identification information.
• You understand that you have the right to stop your Founders Online and/or Founders Bill Pay services at any time.
• You also understand that you may elect to enroll in Founders eStatements and specifically elect to
receive your periodic statement electronically.
Special Note: Please carefully review the sections of this document covering "Personal Identification Information " and
"Personal Computer Security" for important information about the security of your Founders Online account
information.

V. FOUNDERS ONLINE SERVICES
A. Available Services
1. Account Access
All Members in good standing of Founders Federal Credit Union are eligible to access their accounts through Founders Online and receive account information by electronic transmission of a visual display of the text. You must be an authorized user of the Internet Browser or other software you select. You must enter your personal account number to enroll in Founders Online services. If you need help, just contact a Founders Representative during normal business hours (EST) Monday through Friday at 1-800-845-1614. We will be happy to help you. You understand that we may require that you document any oral request in writing before taking some actions.
During a successful enrollment, you will be asked to create unique personal identification information. This
personal identification information identifies you in the same manner as your account number.

Once logged onto Founders Online, Members in good standing can:
• View a summary of accounts.
• Get account information for Checking, Savings, Money Market Plus, Loans and Credit Cards.
• Review recent transactions.
• View, print and save recent eStatements for this account.
• Make transfer payments to Line of Credit, Personal loan, Auto Loan, and Mortgage Loans with the Credit
Union using funds transferred from Checking, Savings or Money Market Plus.
• Transfer funds between Checking, Savings or Money Market Plus.
• Transfer funds to an authorized cross account.
• Borrow from your Line of Credit, if available, with funds transferred to Checking, Savings or Money Market Plus.

2. Bill Payment
If you choose to enroll in Founders Bill Pay service, you may pay bills either on an automatic basis,
a recurring basis, or periodically as you request. Follow the specific instructions you receive online, as modified
from time to time. Read carefully all notices and confirmations. You may choose to save or print these notices for
your personal records.
Once enrolled in Founders Bill Pay, Members in good standing can:
• Add/change/delete payees.
• Set up payments.
• Review past payments.
• Review, change or cancel future payments.

B. Additional Information about the Founders Online Services
1. Account Transfers
You may transfer funds through the Founders Online services in any amount between $0.01 and $99,999.99. All transfers are subject to the limits, conditions, rules, and regulations of the National Credit Union Administration. Transfers are only allowed on your personal accounts, on accounts where your name appears on the signature card as a Joint Owner or on member accounts that you request permission to transfer funds to in writing (cross account transfer).

2. Bill Payment Service
All Bill Payment transactions are subject to the limits, conditions, rules, and regulations of the National Credit Union Administration. When you sign up for Founders Bill Pay service, you must agree to pay the transaction fees for this service including fees charged by Founders’ service provider. You agree to pay these fees and direct Founders Federal Credit Union to debit your bill payment account for all fees and service charges according to the Fee Schedule or as requested by Founders service provider and as agreed to in the service providers terms and conditions. All obligations you wish to pay using Founders Bill Pay service must be payable in U.S. dollars to a payee located in the United States of America. We reserve the right to restrict categories of payees to whom payments may be made using the Founders Bill Pay service. You agree to pay all fees for Founders Bill Pay service.
a) Processing Bill Payments. Founders contracts with an Internet Bill Payment Vendor (service provider) to provide this service. Bill payments will be processed according to the terms and conditions of this service provider. You should allow sufficient time for bill payments to reach your Payee. Founders Bill Payment Vendor will attempt to transmit your payment to your designated payee using electronic funds transfers through an automated clearinghouse (ACH). These electronic transactions are made in compliance with NACHA rules and standards. Not all Payees can or will accept electronic bill payment transfers. For these Payees a paper check will be mailed on your behalf to the Payee. For this reason, you should allow time for postal delivery of your payment in advance of any Payee due date. Founders Federal
Credit Union and its contracted Internet Bill Payment Vendor cannot be held responsible for payments
made through Founders Bill Pay service that do not arrive on a specific Payee due date. Founders
Federal Credit Union agrees to exercise reasonable care and caution to expedite all payment requests.
b) Funds Verification. You agree that you will instruct Founders’ service provider to make a withdrawal only
when sufficient funds are or will be present in your designated account(s) at the time of the withdrawal. If
sufficient funds are not available you agree to pay all fees for insufficient funds.
c) Entering Bill Payment Information. When you add Payees to the Founders Online service, you must be
sure to enter accurately your payee account number and remittance address exactly as they appear on
your payment stub or invoice. You agree and accept your responsibility to accurately enter all requested information.
d) Canceling Bill Pay Transactions. You may cancel a Bill Pay transaction subject to the Terms and
Conditions of the Bill Pay service provider. You must notify us at least four (4) days in advance of the
scheduled processing date. Thereafter, a stop payment fee will be assessed to cancel the Bill Pay
transaction.

3. Canceling Scheduled Transfers and Cross Account Transfers
You may cancel a pending transaction scheduled on Founders Online anytime before the scheduled process date you selected. You may cancel the scheduled transaction electronically through Founders Online or request a cancellation by contacting a Founders Representative at least 24 hours in advance of your selected processing date for the transaction. If
your computer connection is not available, or you need assistance to cancel a scheduled transaction call a
Founders Representative at 800-845-1614 during normal business hours Eastern Standard Time (EST). To
execute your request we must receive your instruction to cancel at least one (1) business day or more before
the date you designated as the process date. If you request a cancellation orally, we may require you to
confirm your request in writing and deliver it to us within 14 days after your call. Requests to cancel a
scheduled transaction after 4:00 p.m. (EST) are processed the following business day. If we do not receive
your instruction to cancel a transaction at least 24 hours before the processing date, you agree that we may
process the transaction. If you order us to cancel a scheduled electronic transaction three (3) business days
or more before the process date you selected when setting up the transaction, and we do not do so, we will
be liable for your losses or damages if you gave us the correct information. If you close your membership
Share Savings account (Suffix "00"), your Founders Online and Founders Bill Pay services will end, and any
unprocessed transactions will be cancelled. You agree to pay all fees for Credit Union services including fees
for stopping and refunding scheduled electronic transactions.

4. Stop Payment Order ("SPO") For "Preauthorized" and Other Transactions (Founders Online)
You may request a stop payment for a processed preauthorized transaction from your account any time before the
payment is received and deposited by your selected Payee. You must notify the Credit Union orally or in
writing as soon as possible after your transaction has processed. The Credit Union may require written
confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do
require the written confirmation, the oral stop payment orders shall cease to be binding fourteen (14) days
after it has been made. This means that if the Credit Union does not receive your written confirmation the
preauthorized payment and all future preauthorized payments to the payee may be paid by us from your
account(s) after the 14th day. If you order us to cancel a scheduled electronic transaction three (3) business
days or more before the process date you selected when setting up the transaction, and we do not do so, we
will be liable for your losses or damages if you gave us the correct information. We will charge you a fee for
each stop payment order you give as set forth in the Schedule. The Credit Union reserves the right to
establish and maintain service charges and/or transaction fees and may change or amend such fees and
charges from time to time.

5. Right to Documentation
Periodic Statements. Transfers and withdrawals transacted through Founders Online and Founders Bill Payment services will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. The following comments will appear on the periodic statement of both the sender AND the receiver of funds: (1) The dollar amount of transferred funds; (2) The account number that funds were transferred from and into; (3) The names of the sender and receiver of the funds. No other account information will be exchanged.

6. Third-Party Services
We utilize the services of a third-party vendor to provide Founders Bill Pay service to you.
You authorize and agree to our use of the services of third party vendors, and our disclosure of any and all
information, including non-public personal information and personally identifiable financial information, when
we deem such disclosure to be necessary or appropriate to initiate, complete, or facilitate any transaction you
order us to make. You further acknowledge and agree that the terms of this Agreement also apply to your
relationship with any vendors we use in providing these services, as may be changed from time to time in our
sole discretion.

7. Information Disclosure
We will disclose information to third parties about your account of the transactions you make: (1) when it is necessary for completing transactions, 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) if you give us your written permission.

C. Bill Payments from Savings/Money Market Deposit Accounts
We do not allow use of a share savings account type for bill payments on Founders Bill Pay service. In addition,
Founders does not recommend the use of money management (share or checking) account types as the source of
your bill payments. Federal regulations (Regulation D) require us to limit either by contract or in practice the number of
certain types of transfers from share savings and money market deposit accounts. Under these regulations you are
limited to six (6) pre-authorized electronic fund transfers, telephone transfers, Founders Online transactions,
Founders Bill Pay, Money Management, and point-of-sale transactions per month. Of these six transactions, you are
limited to no more than three transactions per month by money management check or point-of-sale. Each fund
transfer or payment through Founders Online services from your money management account iscounted as one of
these limited transfers you are permitted each statement period. However, payments to your Founders loan accounts
are not counted toward this limit.
For example, you wish to make two payments this month from your Money Management account (One to a
Department Store Credit Card and the other to a Student Loan). After making these payments using Founders Bill
Pay, you would only be allowed one additional transaction on your Money Management account for the remaining days
of the month.
To avoid exceeding these limitations, we suggest that you transfer one amount from your share savings or money
management account each month into your checking account for all your Founders Bill Payment needs.

D. No Signature Required
When any bill payment or other services generates items to be charged to your account, you agree that we will debit
your designated eligible account or the account on which the item is drawn without requiring your signature on the
item, and without prior notice to you.

E. Contact by Founders Federal Credit Union or Other Parties
Founders’ employees, vendors, and member service providers will never contact you via email, telephone, or in
person requesting your Founders Online Account # or Call 24 PIN. If you are contacted by anyone requesting this
information, please notify us immediately by calling 1-800 -845-1614 during normal business hours Eastern Standard
Time (EST).

F. Ownership of Materials
The content and information on our site is copyrighted by Founders Federal Credit Union, and the unauthorized
reproduction or distribution of any portion is prohibited.

G. Performance of Software and Electronic Service
In no event will we or our officers, directors, employees or agents be liable to you for any consequential, incidental or
indirect damages arising out of the use, misuse, or inability to use the services, or for any loss of any data, even if we
have been informed of the possibility of such damages. We make no warranty to you regarding your equipment or the
software, including any warranty of merchantability or fitness for a particular purpose.

H. Area of Service
The services covered by this Agreement and any application for membership or loan services available at our site are
solely offered to eligible residents of the United States of America living within the boundary of our charter counties,
cities, townships or communities or employees of Select Employer Groups (SEG's) that sponsor Founders Federal
Credit Union membership. Members or eligible prospective members residing or traveling outside of the U.S. may
have limited access to their Founders Online information and services. Founders reserves the right to limit access in
any way to Founders Online services.

I. Electronic Transaction Errors and Resolution
In case of errors or questions about any Bill Payment service transaction or other electronic transfer initiated from your
account(s) under the services, contact us immediately.
Contact your local Founders office or call a Founders Representative at 1-800-845-1614.
You may fax us at 803-416-5054.
You may also write to us at 737 Plantation Road, Lancaster, SC 29720.
If you think your statement is wrong, or if you need more information about a transaction listed on the statement
contact us immediately. We must hear from you no later than 60 days after we send, deliver, or make available to you
the FIRST statement on which the problem or error appeared; and you must provide us with the following information:
Tell us your name and account number(s).
Describe the suspected error or the transaction you are concerned about, and explain as clearly as you can why you
believe it is an err or why you need more information; and
Tell us the dollar amount of the suspected error.
If you tell us orally or by electronic communication, we may require that you send us your complaint or question in
writing within 10 business days.
We will tell you the results of our investigation within ten (10) business days* after we hear from you, and will correct
any error promptly. However, if we need more time, we may take up to forty-five (45) days** to investigate your
complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days*
for the amount you think is in error so 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 ten (10)
business days, we may not provisionally credit your account or investigate your claim further.
If we decide that there was no error, we will send you a written explanation within three (3) business days after we
finish our investigation. You may ask for copies of the documents that we used in our investigation. Expenses
incurred by the Credit Union to research disputed transaction(s) shall be paid by you when such transaction(s) are
proven to have been authorized by you or made by an unauthorized user. Further, when we determine that there was
no error or that the disputed transaction(s) was/were authorized, you will repay any amount we provisionally credit to
your account.

*If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have
twenty (20) business days instead of ten (10) business days as indicated above.
**If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error
involving a POS transaction, or notice of an error involving a transaction initiated outside the United States, its
possessions or territories, we will have ninety (90) days instead of forty-five (45) days.
Further, when we determine that there was no error or that the disputed transaction(s) was/were authorized, you agree
to repay any amount we provisionally recredited to your account(s).

J. Amendment of this Agreement
We may amend this agreement (including changes in its fees and charges hereunder) by giving you notice at least 30
days in advance of the effective date of the amendment, unless such change or amendment is otherwise required by
law or applicable regulation. Your continued use of the services is your agreement to the amendment(s).

K. Choice of Law
This Agreement shall be governed by and interpreted under South Carolina and Federal Law.

L. Waiver
We may waive any term or provision of this agreement at any time or from time totime, but any such waiver shall not
be deemed a waiver of the term of provision in the future.

M. Assignment
We may assign the rights and delegate the duties under this Agreement to a company or service provider of our choice
or to any other party.

N. Entire Agreement
This Agreement, the Electronic Signature Agreement, Bill Pay Terms and Conditions, and eStatement Disclosure
Agreement are the entire agreement between you and us for Internet electronic transactions and services and they
supersede all agreements, any marketing or other similar material pertaining to the services delivered to you in writing,
verbally, or obtained at our site or at the site of any referenced or linked web site or Internet Service Provider.

O. Termination
Your Founders Online agreement remains in effect until terminated by you or us. You may cancel your Founders
Online services at any time by notifying us of your intent to cancel by writing or calling us at the phone number or
address in the Schedule. This cancellation applies only to your Founders Online or Founders Bill Pay services
accessed via the Internet and does not terminate your membership, obligations, services, or other relationships with
us. You must cancel all future bill payments, transfers, or other scheduled transactions whether recurring or individual
payments, when you terminate your Founders Online Agreement including Founders Bill Pay. Because Founders Bill
Pay begins processing on the date you specify when setting up a payment, you agree that Founders may continue to
process authorized transactions initiated prior to your decision to discontinue Founders Bill Pay service. You are
responsible for complying with all the terms of this Agreement and with the terms of the Agreement governing the
Accounts which you access using Founders Online.
We may terminate your participation in the Founders Online services for any reason, at any time. Founders will
terminate your Founders Online services if you do not pay any required fee when due, if you do not comply with this
Agreement, or the agreements governing your deposit accounts, or if your share or loan accounts are not maintained
in good standing. We will try to notify you in advance, but we are not obliged to do so.

Addendum A
Founders Bill Pay Fee Schedule
Please see Founders FCU Fee Schedule (www.foundersfcu.com/feeschedule) for all applicable fees for these and other services.

Popmoney
The minimum payment amount is $5.00 and the fee is as described in the Founders FCU Fee Schedule(www.foundersfcu.com/feeschedule).
Average payment delivery is 1 to 3 days but this could vary if there are holds on an account. If the receiver has their account enabled for automatic deposit, they could receive payment next day.

Founders Federal Business Day Disclosure:
Lobby Hours
Monday - Thursday............................8:30 a.m. to 5:00 p.m.
Friday.................................................8:30 a.m. to 6:00 p.m.
Drive Thru Hours
Monday - Thursday............................8:00 a.m. to 5:00 p.m.
Friday.................................................8:00 a.m. to 6:00 p.m.
(Excludes Federal Holidays)
This credit union is federally insured by the National Credit Union Administration. Copyright 2013. Founders Federal Credit Union. All Rights Reserved.