Below are the terms for Credit Union Digital Account Access Service.

These are the Terms and Conditions of the Palmetto Citizens Federal Credit Union Digital Account Access Service (herein referred to as Digital Account Access) for the Credit Union (herein referred to as Credit Union) consumer and business account holders. By subscribing to Digital Account Access or using Digital Account Access to access account information, or to make any transfer between accounts or payment to a third party, you agree to the terms of this Agreement. We encourage you to print a copy of this Agreement and to keep a copy of this Agreement for your records. The words "we", "us", "our" refer to Credit Union. The words "you" and "your" refer to each person subscribing to Digital Account Access, and to each person who uses Digital Account Access with the permission of the subscriber.

Computer Equipment and Internet Use
You are solely responsible for the maintenance, installation and operation of your computer, and for the hardware and software used in accessing Digital Account Access. Credit Union shall not be responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software, nor will Credit Union be responsible for any computer virus that affects your computer or the software while using Digital Account Access. You acknowledge the Internet lacks security for transactions. You agree that you provide, receive and request information via the Internet with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Credit Union does not guarantee that downloads from its site will not contain a virus or other destructive device. It is your responsibility to protect your information and to maintain your computer with updated virus protection and spyware. You should purchase and install firewalls and anti-virus programs to help decrease any potential security breaches.

Any undetected virus or virus that is not removed from your computer may corrupt and destroy your programs, files and even your hardware.

Additionally, you must have an Internet service provider and a 128-bit compliant browser to utilize Digital Account Access. It will be your responsibility to establish these. Any costs or fees to obtain these services or software are solely your responsibility.

Security
The Credit Union is committed to protecting the security and confidentiality of your account information. We use several different methods to protect your account information:

• You can only access Digital Account Access with a browser that uses 128-bit encryption
• You must have a valid email address
• You must have a valid User ID and Password to log in
• For your protection, we may temporarily suspend access to Digital Account Access for any reason, including inactivity
• If no action is taken for a period of time, you will be automatically logged off Digital Account Access
• We display your previous login date and IP address each time you access Digital Account Access for you to review

You agree to the following and you agree to ensure your authorized Digital Account Access users comply with the following:

• Never leave your computer unattended while using Digital Account Access
• Never leave your account information displayed where it may be viewed by others
• Always exit the system by logging out
• Notify our Call Center at 803-732-5000 immediately if you suspect unauthorized access to Digital Account Access

These security procedures are not implemented for the purpose of detecting errors in your instructions or in their transmission, even if Credit Union may take certain actions from time to time to do so. By your continued use of Digital Account Access, you agree these procedures, including your security responsibilities described in this Agreement, constitute a commercially reasonable method of providing security against unauthorized instructions. Unless otherwise provided by any applicable law, rule, or regulation, you agree to be bound by any instructions delivered to us as long as they are accompanied by a permitted User ID and Password, even if the instructions are not actually transmitted or authorized by you or your user. You accept responsibility for any unauthorized access to, and action taken through, Digital Account Access using a valid User ID and Password, whether such access or action is taken by you, your authorized Digital Account Access user, persons with access to your records, or persons who have obtained access to Digital Account Access through your failure to maintain adequate control. In addition, you shall indemnify and hold Credit Union harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and received and verified by Credit Union in compliance with such security procedures.

You acknowledge the Credit Union nor any person acting on behalf of Credit Union will request you disclose your User ID or your password or disclose security procedures and agree you nor any of your authorized Digital Account Access users will disclose a User ID or a password or security procedures.

You hereby confirm you have instituted proper controls through your computers, terminals, equipment and procedures to protect your financial information and all User IDs and Passwords, as well as any other security procedures we may require from time to time. Unless otherwise provided by any applicable law, rule, or regulation, you are strictly responsible to establish and maintain the procedures to safeguard against unauthorized access to Digital Account Access Services including, if reasonably required, updates to such procedures and monitoring by you of compliance with such procedures. You warrant no individual will be allowed access to Digital Account Access in the absence of proper supervision and safeguards and agree to maintain the confidentiality of the security procedures and User IDs and Passwords and related instructions provided by us in connection with the applicable security procedures. If you at any time have reason to believe or suspect any such information or instructions have been disclosed to or accessed by any unauthorized person or used in a manner not authorized by you, you agree to notify us as soon as practicable, followed by written confirmation as provided under "Changes to Agreement" elsewhere in this Agreement. The occurrence of unauthorized access will not affect any transactions executed in good faith by us prior to receipt of such notification and for a reasonable time thereafter. Consumers should also see the "Your Liability for Unauthorized Electronic Fund Transfers and Error Resolution" section elsewhere in this agreement. If there is a conflict between this paragraph and that section, the latter shall govern in the case of consumers.

Account and Other Eligibility Requirements
To register for consumer or business Digital Account Access, you must maintain a Prime Share Account or have access through an associated member number.

By entering into this agreement, you agree to maintain your accounts properly, observe and comply with all rules applicable to them, and pay all fees associated with such accounts.

Digital Account Access is offered only to residents of the United States who can form legally binding contracts under applicable law. By using Digital Account Access, you represent you meet these requirements and you agree to be bound by this Agreement.

Account Ownership
Any person with ownership rights to an account, including but not limited to joint ownership, may register and use any or all features of Digital Account Access. Digital Account Access transactions performed by an owner of the account will be considered authorized transactions and except as provided in this Agreement, Credit Union will not be liable to you for any such transactions.

User Identification (ID) and Password
Your User ID and Password identify and authenticate you to Credit Union when you use Credit Union's Digital Account Access Service. You will be required to establish a User Identification (ID) and Password during your first online session through our online registration process. You will only be able to obtain a User Identification (ID) if you have an existing account with Credit Union that meets the account requirements above. You determine what password you will use and your password is not communicated to us. By establishing a User ID and Password you agree to, and agree to ensure authorized Digital Account Access users will:

• Not disclose your User ID and Password or otherwise make it available to anyone else, including other joint owners on the account
• Be liable for your User ID and Password and for its authorized and unauthorized use as described in this Agreement
• Change your password regularly
• Notify Customer Service at 803-732-5000 immediately of any loss or theft of your User ID and Password

For security purposes, your passcode must meet complexity requirements:

• At least 8-characters.
• At least one uppercase alphabetic character (e.g., A-Z).
• At least one lowercase alphabetic character (e.g., a-z).
• At least one number (e.g., 0-9).
• At least one special character (e.g., ~!@#$%^&*()_-+=).

Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth, names of children, and should be memorized rather than written down.

You acknowledge we are entitled to rely on the use of your User ID and Password as your authorization for any transaction through Digital Account Access. You are responsible for all transactions you initiate or authorize using Digital Account Access. If you permit any other person to use your Digital Account Access User ID and Password, you will have authorized that person to access your accounts, and you are responsible for any transaction that person initiates or authorizes from your accounts. If you suspect unauthorized use of your User ID and Password, please follow the procedures outlined in the "Your Liability for Unauthorized Electronic Fund Transfers and Error Resolution" section of this Agreement. We undertake no obligation to monitor transactions through Digital Account Access to determine they are made on behalf of the account holder.

Digital Account Access Services
After you successfully register for Digital Account Access, you will have access to your eligible accounts, which include Checking, Savings, Money Market, Share Certificate and IRA. If you are a consumer Digital Account Access customer, you will also have access to eligible loans. If you are a business Digital Account Access customer, you will have "view" and "transfer to" access to eligible loans. Initially, information regarding activity for up to the most recent three months will be available to you. Information about additional activity will become available to you periodically, until the most recent fourteen months are available to you at any time. For these eligible accounts, you will be able to:

• View balance information
• View transaction history
• Search for transactions
• View images of the front and back of your checks (when available)
• Order a copy of your canceled checks (when available)
• Import certain account information into Intuit Quicken, via Web Connect
• Send us secure messages regarding your accounts or Digital Account Access and receive secure messages ("Help Desk")
• For business member, set up multiple users to allow you to control access to your account. You can create “read only” or “full access” features for your business partners and associates.
• Establish alerts to notify you when certain balance conditions are met, when transactions occur, when you have received Messages from Credit Union or when e-Statements are available. You may choose to receive alerts via email or mobile text (your carrier's standard text messaging rates will apply). To ensure delivery, data must be entered in the required format.
• Conduct internal funds transfers (member to member), recurring transfers, and external transfers to and from other financial institutions.
• If you also choose to register for the Bill Pay service, you will be able to issue a bill payment to a third party from your Payment account.
• Update Personal Information. This feature allows you to update your address, phone number, work number, and email address without having to visit a Credit Union Service Center.

All instructions or requests provided to Credit Union via Digital Account Access will be deemed to be written instructions, with the same effect as written instructions provided to Credit Union on paper and signed by you. If you ask us to make periodic transfers or payments at regular intervals, that request will have the same effect as written instructions to us signed by you.

System Availability
You may access your account information through Digital Account Access 24 hours a day, seven days a week, except for interruptions due to maintenance or matters beyond Credit Union's control.

Daily Processing Deadlines
Credit Union's business days are Monday through Friday ("Business Days"). Saturday, Sunday and Federal holidays are not considered Business Days. Digital Account Access transactions, such as funds transfers, that occur before our daily Digital Account Access cutoff time on Business Days may be reflected in your transaction history the following Business Day. Digital Account Access transactions, such as funds transfers, that occur after our daily Digital Account Access cutoff time on Business Days or all day Saturday, Sunday, and Federal holidays may be reflected in your transaction history on the second Business Day. Transactions that have occurred and are not yet reflected in your account history may affect your available balance. In addition, the amount of such transactions may appear in the available balance fields in Digital Account Access.

Transfers
You may transfer funds to your loan here at Credit Union or between your Checking, Savings and Money Market accounts (Money Markets are regulated to only three electronic transfers per month on debits). You will be able to make funds transfers that are effective when you complete the transfer online, schedule future-dated transfers, and establish recurring transfers. The available balance in the account from which the withdrawal for the transfer will be made (FROM account) and the available balance in the account to which the transfer will be credited (TO account) will be updated as soon as the transfer is complete. The maximum dollar limit, up to $10,000, on any transfer is equal to the available balance in your account from which the transfer is being made (FROM account), including the available balance in any other account being debited that is associated with the account, at the time the transfer is completed by Credit Union.

You will also be able to transfer funds to another financial institution, Credit Union or Bank, and only to a savings or checking account. (Western Union not included) You will also be able to transfer funds from your savings or checking account at another financial institution, Credit Union or Bank, to your savings or checking account here at Credit Union. The maximum dollar limit you will be able to transfer to or from another financial institution will be up to $10,000 or the amount equal to the available balance in your account from which the transfer is being made (FROM account), including the available balance in any other account being debited. Transfers made to and from another financial institution will appear in the account within three Business Days from the date you have completed the transfer. Transfers completed to and from another financial institution on Saturdays, Sundays, Holidays and after Business hours will be processed the following Business Day by Credit Union and appear in the account within two business days from the date it was completed by Credit Union. You will need to use your Bill Pay or Digital Account Access to pay your other bills such as utilities, credit cards, or any other merchants. No International Transfers will be allowed.

Our Right to Delay or Reject Transactions
Even though you may request a transaction, it may be delayed or Credit Union may reject the transaction without liability, if: (1) the request is untimely, incomplete, inaccurate or ambiguous in any respect, (2) the requested transaction may exceed either the collected and available funds on deposit in designated account, together with the credit limit on an overdraft line-of-credit you may have established in connection with the particular account (excluding any Overdraft Privilege service you may have); (3) the requested transaction is either not authenticated to Credit Union's sole satisfaction, or Credit Union believes such request may not have been authorized by you; (4) the requested transaction would cause Credit Union to violate a law, regulation or a government guideline or program; (5) the requested transaction is not in accordance with any other requirement stated in this Agreement, or is objectionable to Credit Union for any other reason, in Credit Union’s sole discretion; (6) Credit Union system was not working properly and you knew about the breakdown when you started to submit the transaction; (7) circumstances beyond our control (such as fire, flood, mechanical or electrical failure) prevent the transaction, despite reasonable precautions we have taken; or (8) if Credit Union reasonably believes completing such transaction would result in exposure to liability or risk beyond what is contemplated by this Agreement. Credit Union may treat such requested transaction as though it had not been received. In the event a transaction is rejected by Credit Union, for any reason, it shall be your responsibility to resubmit the transaction.

Restrictions on Transfers from Savings and Money Market Accounts
There are certain restrictions on transfers or withdrawals you may make out of a Savings or Money Market account. Please see your Accounts & Services Agreement for details.

Fees/Charges
Many of the Digital Account Access Services are provided free of charge. Some account services requested through Digital Account Access may require payment of a fee. Refer to the fee schedule for your consumer or business account for a complete listing of fees. Fees will be charged to the account for which the service has been provided, unless otherwise stated. Fees and the services to which they apply are subject to change from time to time at Credit Union's discretion.

Stop Payments
This section refers to your ability to stop payment on a check. It does not allow you to cancel an Online Bill Payment or other electronic payment (such as an ACH payment). Once a bill payment has been debited from your account and paid electronically, you cannot cancel or stop the bill payment.

For a stop payment order to be effective, we must receive the request in time to give us reasonable opportunity to act on it. To place a stop payment order via Digital Account Access, the account number and check number are required. To request a stop payment without this required information, contact 803-732-5000. Unless your request is complete and accurate, we may be unable to identify the item subject to your request.

A stop payment order may be made and will be honored when made by the maker of the check or any other account owner who has withdrawal rights at least equal to the rights of the maker of the check. Stop Payment orders placed using Digital Account Access are considered written stop payment orders. We reserve the right to require an actual, physically-signed written stop payment order at any time. Written stop payment orders are effective for six months and may be renewed in writing for an additional six months only by one of the methods that follow:

Use the Help Desk to request we extend the Stop Payment period for an additional six months. The request must include the check number and the account number on which the check was written.

Send us a letter requesting we extend the Stop Payment period for an additional six months. The request must include the check number and the account number on which the check was written. The letter must be sent to:

       Palmetto Citizens Federal Credit Union
       Attn: Financial Operations
       P. O. Box 5846
       Columbia, SC, 29250

You may check the Stop Payment history screen in Digital Account Access to verify the Stop Payment orders placed on your account.

You agree to hold Credit Union harmless for the amount of the stop payment as well as for all expenses and costs incurred by Credit Union through refusing payment of the check on which a stop payment has been placed. You further agree to hold Credit Union free of all liability should payment be made contrary to this request, if such payments occur through inadvertence or accident.

Canceling a Stop Payment
A stop payment order placed using Digital Account Access may only be canceled by one of the following methods:

• Send us a notice using the Help Desk and include the account number the check was written against and the check number, and the following, if known: check amount, date check written and Payee name.
• Send us a letter including the account number the check was written against and the check number. Also identify the following, if known: the check amount, date check written and Payee name. The letter should be sent to:

          Palmetto Citizens Federal Credit Union
          Attn: Financial Operations
          P. O. Box 5846
          Columbia, SC, 29250

• Visit a Credit Union Service Center

Periodic Statements
Credit Union will mail or deliver to you monthly account statements for your Credit Union account(s). Credit Union will include any transfers or bill payments you authorize through Digital Account Access on your statement. You should promptly notify Credit Union of any discrepancies, including but not limited to, any errors or inaccuracies related to data transmitted by any online service. Unless provided otherwise by law, if you fail notify us of any errors within a reasonable period of time (not to exceed 14 days), after we send or make available to you your statement and/or items, you cannot assert the unauthorized signature or alteration against us even if we are unable to show a loss due to your failure. Also, you cannot assert any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the reasonable time mentioned above elapses and before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying an item with an unauthorized signature or alteration. However, if you do not notify us of the problem within 60 days of when we send or make available to you the statement and/or items, you absolutely forfeit any right(s) to assert a claim against us. You must report any other account problem (e.g., erroneous statement or passbook entry, missing signature, unauthorized endorsement, etc.) within a 60-day period or lose your right to assert claim against us.

Disclosure of Information to Third Parties
We will disclose information to third parties about your account or the transactions you make:

• Where it is necessary to complete authorized transactions.
• Where it is necessary to activate additional services.
• In order to verify the existence and condition of your account for a third party, such as a credit bureau or Biller.
• To a consumer reporting agency.
• In order to comply with a government agency or court orders.
• If you give us your written permission.

Address or Profile Changes
It is solely your responsibility to ensure the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either by using Digital Account Access or by contacting Member Service. If you are enrolled in the Bill Payment Service, any changes should also be made in accordance with the procedures outlined in the Digital Account Access Help files. We shall have a reasonable amount of time to act on such changes. Credit Union is not responsible for any payment processing errors or fees incurred if you do not provide accurate information.

Your Liability for Unauthorized Electronic Fund Transfers and Error Resolution
Consumer and Business users, please refer to the Accounts & Services Agreement.

Changes to Agreement
We may, in our sole discretion, change Digital Account Access Services and the terms, including fees, set forth in this Agreement at any time. For example, we may add, delete or amend terms or services, add or change fees, or change or limit the types of accounts accessible by Digital Account Access. You will be notified of any such change as required by applicable law, either by mail or by using the Help Desk. You understand by your continued use of the Digital Account Access Service after a change becomes effective, you have agreed to the change.

Electronic Mail (e-mail) and Messaging
Although you may currently have e-mail capabilities, it is important to remember normal Internet e-mail transmissions may not be secure. You agree to contact us electronically only through the Help Desk within Digital Account Access if your correspondence contains confidential information, such as an account number or social security number. You also agree to receive communications regarding your account electronically and will not attempt to circumvent receiving any messages. It is your responsibility to notify us immediately if your e-mail address changes. You are deemed to have received any electronic messages at the time we send them to you.

We may not immediately receive e-mail (including in the Help Desk) you send. You must confirm urgent messages by completing a telephone call to us at the number below. We will have a reasonable opportunity to act on your e-mail requests.

You cannot use e-mail for the following purposes:
To report unauthorized use of User ID and Password (see "Your Liability for Unauthorized Electronic Fund Transfers and Error Resolution" )

To report an unauthorized transaction, see the "Notices" section regarding how to report these matters.

Notices
Any notices to us, unless otherwise stated in this Agreement, must be in writing and shall be deemed to have been given or made on the date of delivery, in the case of hand delivery, or five (5) business days after deposit in the United Sates mail, postage prepaid and addressed as required in this Agreement.

If you (i) believe any error has been made with respect to Digital Account Access, (ii) dispute any transfer, payment, charge or other entry involving Digital Account Access, or (iii) believe any security problem exists (including the fact or possibility any unauthorized person has access to your User ID, Password or other security procedures or otherwise has access to Digital Account Access), then you must promptly notify us by telephone, by calling (803) 732-5000 and confirm such communication by written notice. We shall not be deemed to have received notice until we have been given written notice as provided herein, but telephonic notice may enable us to act to prevent or limit loss to you that may otherwise occur. Although you will have the ability to transmit electronic mail directly to us using the Help Desk, no communication through that system or other electronic communication shall be deemed to constitute written notice to us of an error, dispute or security problem.

Communications between You and Credit Union
Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways:

• Help Desk: Use the Help Desk feature in Digital Account Access
• Telephone: you can contact us by telephone at 803-732-5000
• Mail: you can write to us at:

           Palmetto Citizens Federal Credit Union
           e-services Department
           P. O. Box 5846
           Columbia, SC, 29206

• In Person: you may visit us in person at any one of our Service Center locations.

Indemnification; Limitations on Credit Union's Liability
Credit Union will not be responsible for, and you expressly agree to indemnify, defend, and to hold Credit Union, its affiliates, service providers, contractors and all of their directors, officers, employees, contractors, and agents harmless from, every claim, damage, loss, delay, cost (including, without limitation, attorney's fees) or liability which arises, directly or indirectly, in whole or in part, from: (a) your actions or omissions, or those of third parties; (b) your negligence or breach of any agreement with Credit Union; (c) lack of available funds in your account; (d) any ambiguity, inaccuracy, or omission in any information provided to Credit Union; (e) any error, failure or delay due to a breakdown in any computer or communications facility; (f) accidents, strikes, labor disputes, civil unrest, fire, flood, water damage (e.g., from fire suppression systems), war, emergency conditions, or other natural disasters; (g) causes beyond Credit Union's reasonable control; (h) legal constraint, (i) Credit Union's inability to confirm to our satisfaction the authority of any person to act on your behalf; (j) Credit Union honoring or acting upon any instructions received in accordance with the security procedures or otherwise in accordance with your instructions or the terms of this Agreement; (k) Credit Union failing or refusing to honor or act upon any instructions received that are not in accordance with the security procedures, any user guides or Credit Union's instructions; (l) any warranty that Credit Union is required or deemed to make to a third party in connection with your transactions; and (m) your failure to comply with NACHA rules or the rules of any clearing house or payment organization that processes its transactions.

Neither Credit Union, nor its affiliates, service providers, contractors nor any of their directors, officers, employees, contractors, and agents shall be responsible under any circumstances for special, indirect, or consequential damages which you incur as a result of any of their actions or omissions, even if Credit Union is aware of the possibility for such damages and regardless of the legal or equitable theory of liability asserted, including, without limitation, loss or damage from subsequent wrongful dishonor resulting from the Credit Union acts or omissions pursuant to this Agreement.

Credit Union will use reasonable efforts to provide the Digital Account Access Services in a prompt fashion, but shall not be liable for temporary failure to provide in a timely fashion. In such event, you will be responsible for carrying out business through alternative delivery channels. Credit Union will not be liable for any inaccurate or incomplete information with respect to transactions that have not been completely processed or posted to Credit Union's systems prior to being made available within Digital Account Access. Information provided via Digital Account Access with respect to all transactions is provided for your convenience and you shall have no recourse to Credit Union as to your use of this information.

Unless otherwise required by law, any claim, action or proceeding by you to enforce the terms of this Agreement must be commenced within one year from the date the event giving rise to the claim, action or proceeding first occurs. You agree to cooperate with Credit Union in any loss recovery efforts Credit Union may, in its discretion, undertake to reduce any loss or liability that arises in connection with the Digital Account Access Services.

These limitations will apply to all causes of action, whether arising from breach of contract, tort (including negligence) or any other legal theory. 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.

You acknowledge Credit Union's fees have been established in contemplation of: (a) these limitations on Credit Union's liability; (b) your agreement to review statements, emails, and notices promptly and to notify Credit Union immediately of any discrepancies or problems; and (c) your agreement to assist Credit Union in any loss recovery effort. In no event shall the liability of Credit Union and its affiliates exceed the average monthly amounts paid by you for the services provided to you through Digital Account Access in the year preceding any claim you make against us.

THE FOREGOING SHALL CONSTITUTE CREDIT UNION 'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL CREDIT UNION BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.

Disclaimer of Warranty
DIGITAL ACCOUNT ACCESS SERVICES PROVIDED TO YOU UNDER THIS AGREEMENT AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED 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 OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL.

Recording and Use of Communications
You and Credit Union agree all telephone conversations and data transmissions between you and Credit Union or either of our agents made in connection with this Agreement may be electronically recorded and retained by either party by use of any reasonable means and for any lawful purpose. All recordings and discs, magnetic tapes, security reports and related media and records used by Credit Union for transactions contemplated by this Agreement shall remain Credit Union's property.

Calls to You
By providing us with a telephone number (including a wireless/cellular telephone), you consent to receiving auto-dialed and prerecorded message calls from us at that number for non-marketing purposes.

Governing Law
This Agreement shall be governed by the laws of the state in which the office of Credit Union which maintains your account is located and, where applicable, by federal law. Any issue relating to an account or service with Credit Union shall be governed by the law(s) specified in the agreement for that account or service if there is a separate agreement for that account or service. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement.

Waiver of Jury Trial
Where permitted by law, both parties agree to waive any right to have a jury participate in the resolution of any dispute or claim between the parties or any of their respective Affiliates arising under this Agreement. Credit Union reserves the right to select the arbitrator who will handle any disputes arising from this Agreement.

Related Agreements
All rules and regulations outlined in your account agreements apply to Digital Account Access. State and federal law, including the Uniform Commercial Code, and regulations of the Federal Reserve System, Consumer Financial Protection Bureau, other regulatory agencies and clearinghouse associations, regulate much of our relationship with you. These laws and regulations, as well as the terms of the Agreement may change from time to time without notice to you unless law requires notice. The Electronic Fund Transfer Act governs some of the transactions permitted under this Agreement, and some terms and conditions included in the Agreement are required by this Act. In addition, certain agreements and documents govern the accounts you access through Digital Account Access, as they are amended from time to time, including, but not limited to the following:

• Accounts & Services Agreement
• Any agreement you may have for a loan may be accessed through Digital Account Access
• Fee Schedule

New Services
We, in our sole discretion, may add or change services or features of the Digital Account Access Service at any time. We will update this Agreement to notify you of these new services. If you continue to use Digital Account Access, you agree to be bound by the terms contained in the revised Agreement.

Termination of Agreement
You may cancel Digital Account Access at any time. We reserve the right to terminate Digital Account Access immediately and without notice (1) in the event of improper use of such service, (2) in the event of a failure to comply with the security procedures, or (3) if all of your eligible accounts have been closed. We may terminate this Agreement with or without cause. Any termination of this Agreement shall not affect any of Credit Union's rights and your obligations with respect to Digital Account Access utilized by you, or your payment obligations with respect to services performed by us, or any other obligations that survive termination of this Agreement. Termination of this Agreement will not affect or terminate agreements governing your accounts with Credit Union.

Cancellation of Digital Account Access Service
To cancel your Digital Account Access Service, use the Help Desk or send us written notification, with your signature, to:

Palmetto Citizens Federal Credit Union
e-Services Department
P. O. Box 5846
Columbia, SC  29250

Such termination shall only be effective after we have had a reasonable amount of time to act upon the request or the written notice of such termination or such later date as is specified in that notice.

Survival
The sections entitled "Indemnification; Limitations on Credit Union's Liability" and "Disclaimer of Warranty and Limitation of Liability" shall survive termination of this Agreement.

Severability
If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect.

Assignment
You may not assign this Agreement to any other party. Credit Union may assign this Agreement to any directly or indirectly affiliated company. Credit Union may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver
Credit Union shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Credit Union. No delay or omission on the part of Credit Union in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Entire Agreement
This Agreement (including the Supplements found elsewhere in Digital Account Access, as the same may be amended from time to time), is the complete agreement between you and us with respect to the subject matter hereof and supersedes any prior agreements, statements, negotiations and understandings between you and us with respect to such subject matter. In the event of any inconsistency between the terms of this Agreement and any agreement governing an account of yours, the terms of this Agreement shall govern. 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 Credit Union 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 we shall incur no liability to you as a result of such violation or amendment.

No course of dealing between you and us will constitute a modification of this Agreement or the security procedures utilized in connection with Digital Account Access or constitute an agreement between you and us.

Binding Agreement; Benefit
This Agreement shall be binding upon and inure to the benefit of you and us and our respective legal representatives, successors and assigns. This Agreement is not for the benefit of any other person, and no other person shall have any right against you or us hereunder.

Miscellaneous
You agree this Agreement is the complete and exclusive statement of the agreement between you and Credit Union which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Credit Union relating to the subject matter of this Agreement. If there is a conflict between what a Credit Union  Representative says and the terms of this Agreement, the terms of this Agreement will prevail.