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This Home Banking Agreement and Disclosure informs you of the rights and responsibilities of authorized users to Internet Banking (Termed PCU: Personal Credit Union) with the Dow Jones Employees Federal Credit Union. It is provided for members according to the Federal Electronic Funds Transfer Act. In it the words "we, us or credit union" refers to Dow Jones Employees Federal Credit Union. The words,"I, my, you and your" refer to the member requesting use of PCU (Personal Credit Union), and any joint owners of the accounts accessed under this agreement or any authorized users of this service. By requesting and using PCU, by means of Internet Account Access, constitutes your agreement to be bound to these terms and conditions:

Account Access, Equipment and Technical Requirements. Upon approval and acceptance of application and disclosure by all interested parties, you may access your accounts through the Internet with your account number and personal identification number (PIN). Service is available seven (7) days a week, twenty-four (24) hours a day except due to Credit Union record updating or technical difficulties.

I understand that to use Internet Home Banking, I must have a personal computer sufficient to handle this software, Internet Access through an Internet Provider, and Internet Browser software. I understand that the Credit Union does not make any warranties on equipment, hardware, software or Internet Provider Service, or any part of them, expressed or implied, including, without limitation, and warranties of merchantability or fitness for a particular purpose. The Credit Union is not responsible for any loss, injury or damages, whether direct, indirect, special or consequential, caused by the Internet Provider, modem connection, any related software, or the Credit Union's Internet Home Banking or the use of any of them or arising in any way out of the installation, use or maintenance of your personal computer hardware, software or other equipment.

Types of Services/transfers currently available through Internet Home Banking:
Check on account balances
Transfer between linked accounts, share to share, share to loan, and share to checking
Review your account histories
Obtain Credit Union product and service information

I may designate accounts at the Credit Union between which I may transfer funds electronically through Internet Home Banking. A linked account is our way of allowing transfers to different accounts in your name, but limiting withdrawals to the primary account only.

Fees. There is no fee incurred for use of PCU. However, in time, the DJEFCU will be offering a Bill Payer system. At that time a fee schedule will be announced.

Limitations on PCU. Please be informed that some accounts are restricted to withdrawals. However, you may make transfers into these accounts.

--You cannot withdraw from Holiday or Vacation Club accounts.

--IRA (Individual Retirement Account) transactions will not be allowed.

--You may not make address or other personal information changes such as date of birth, name changes etc.

--There is no limit to the number of inquiries, transfers, or withdrawal request you may make in one day.

--For your protection, security restrictions regarding log-on attempts have been implemented. The number of attempts is not revealed for security reasons.

--You may not purchase a Share Certificate.

Record of Transactions You will receive a confirmation number for each completed transaction performed using PCU.

Business Days. For purposes of these documents, our business days are Monday through Friday.

Periodic Statements. You will get a monthly account statement (unless there are no transfers in a particulare month. In any case you will get the statement at least quarterly).

Confidentiality. We will disclose information to third parties about your account or the transfers you make:
(i) Where it is necessary for completing transfers, or
(ii) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
(iii) In order to comply with government agency or court orders, or
(iv) If you give us your written permission.

Credit Union Liability for failure to make transfers. If we do not complete a transfer to or from your account on time in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicable.

If you used the wrong access code or you have not properly followed any applicable computer, Internet Access, or Credit Union user instructions for making transfer transactions.

If your computer fails or malfunctions or the Personal Credit Union service was not properly working and such problems should have been apparent when you attempted such transactions.

If circumstances beyond our control (such as fire, flood, telecommunications outages, postal strikes, and equipment or power failure) prevent making the transaction.

If the funds in your account are subject to an administrative hold, legal process or other claim.

If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer.

If the error was caused by a system beyond the Credit Union's control, such as Internet Service Provider.

If there are other exceptions as established by the Credit Union from time to time.

Member's responsibility and liability for unauthorized transfers. You are responsible for all transfers you initiate and authorize using the PCU service. If you permit other persons to obtain or use the Service and your authorization number, you are responsible for any transactions they authorize from any of your accounts. Tell us at once if you believe your account number and/or authorization code has been lost, stolen or obtained by someone who you have not authorized to use your account. Telephoning is the best way of keeping your possible losses down (609-520-5812). You could lose all the money in your account. If you tell us within two business days, you can lose no more than $50 if someone used your authorization number without your permission.

If you do not tell us within two business days after you learn of the loss or theft, and we can prove we could have stopped someone from using or obtaining your authorization number without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking money if you had told us in time.

If a good reason (such as a long trip or hospital stay) keep you from telling, we will extend the time period. Please prevent any danger of these losses by advising us if there is a period you wish access to be suspended temporarily. If you believe you authorization code has been lost or stolen or that someone has transferred money without your permission, call or notify us in writing:

If you believe your authorization code has been lost or stolen or that someone has transferred money without your permission, call or notify us in writing:

Dow Jones Employees Federal Credit Union
PO BOX 300
Princeton, NJ 08543
609-520-5812

Security Issues
Is my account information secure? Yes. Ensuring the privacy and security of your account and personal information is a top priority. We store no member information on our web server that is accessed by the public. Layers of security include:

Automatic Sign Off
Sometimes you may be using a remote computer when you're banking online, so remembering to sign off is very important. However, if you do forget to sign off, DJEFCU will automatically sign off for you after 20 minutes of inactivity. This will prevent anyone from accessing your account.

Encryption
DJEFCU utilizes different types of technology to ensure the confidentiality of transactions through the Internet, such as Netscape's SSL protocol. SSL is an open protocol for securing data communications across computer networks which provide secure channels for data transmission through encryption. SSL also provides transfer capabilities of digitally signed certificates for authentication procedures. Certificates of authentication offers message integrity, ensuring that data cannot be modified after it is sent. An indicator that this security is enabled is "https://" as the first few characters before the "www" in the URL. The "s" at the end stands for "secured." In addition, the lock key at the bottom of your browser screen is another indicator that the page/site is secure. If you double click on the icon, it will display details about the certificate and encryption being used.

Firewall
The credit union is protected by a firewall, which is a barrier between the outside Internet and the internal credit union network. The firewall verifies each network packet and determines whether to permit access. All incoming traffic is actually addressed to the firewall, which only allows pertinent information to flow into the credit union.

Password Lockout
In order to bank online, you need to know a unique password. If someone else is trying to enter a password to view your banking information, he/she won't get very far. DJEFCU allows only three chances to enter a password. After three failed attempts, it is determined to be fraudulent activity and the account is "locked out." No further log in attempts will be allowed. Contact a DJEFCU representative to regain access.

Termination of Personal Credit Union Services. I may terminate the Service by writing to DJEFCU, PO Box 300, Princeton, NJ 08543. I understand that it takes up to 10 business days to process a cancellation request. I further understand that I am responsible for any transfer that I have scheduled from my account between the time of my cancellation notice and the time cancellation takes effect. Termination will not effect my liability or obligations under this Agreement and Disclosure for any transactions you have processed on my behalf.

I understand that you may terminate my use of PCU in whole or in part, for any reason, at any time, with out prior notice. My access to PCU will be terminated, for example, if my primary account is closed, or if access to any of my account suffixes is restricted for any reason.

Notices. The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will mail notice to you at least twenty-one (21) days before the effective date of any change, as required by law. Use of PCU service is subject to existing regulations governing your accounts and any future changes to those regulations.

Updated October 11, 2002



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