Sentinel Online Services (SOS) Transfer Agreement and Disclosure
This Sentinel Online Services Transfer Agreement and Disclosure (“Agreement”) is the contract, which covers your and our rights and responsibilities concerning services offered to you by Sentinel Federal Credit Union (“SFCU”). Sentinel Online Services (“SOS”) permits you to electronically initiate account transactions involving your accounts and communicate with SFCU. In this Agreement, the words “you,” “your,” and “yours” mean those who request and use SOS, any joint owners of accounts accessed under this Agreement or any authorized users of this service. The words “we,” “us”, and “our” mean Sentinel Federal Credit Union. The word “account” means any one or more accounts you have with SFCU. By requesting and using SOS, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.

SOS Registration
You must complete an SOS application for online banking before you can gain access to your accounts. You may obtain an application at any Sentinel Federal Credit Union office, or request an application be mailed to you. You may also request a printable version of the SOS application be sent to you by e-mail. Requests for an SOS application can be placed at Sentinel Federal Credit Union’s electronic message board at http://www.sentinelfcu.org/feedback.htm.

SOS Access
Upon approval, you may use your personal computer with an Internet connection to access your accounts. An account number and password are required to access your accounts. SOS provides secure communications using 128-bit encryption security. Your browser must be set to 128-bit encryption to access and use SOS. 128-bit encryption can be obtained and downloaded from Netscape or Microsoft. Access is usually available 24 hours a day, 7 days a week, 365 days a year. Occasionally the system may not be available due to maintenance, upgrades, system back-ups, or unforeseen failures of equipment or the Internet. We may change, suspend, or cancel access to SOS at any time and for any reason without notice.

Authorized Use
Your account number and password will be your SFCU SOS online banking signature. All accounts are assigned a single password. You may change your password at any time by logging in under Services on the SOS home page. Account owners may request to remove online access to any account.

Security of Account Number and Password
Members are responsible for the safekeeping of their account number and password. You agree not to disclose or otherwise make your account number and password available to unauthorized users. If you disclose your account number and password to anyone, you understand that you are giving access to your accounts through the Internet and that you are responsible for any transactions. Please note that your account number and password may be stored in memory on you computer after you have logged out of SOS. Take necessary precautions to prevent your account number or password from being viewed or used by unauthorized individuals. If you fail to maintain security of your account number and password, and SFCU suffers a loss, we may terminate your SOS access immediately.

Termination of SOS Services
You agree that we may terminate this Agreement and your use of SOS if you or any authorized user of your account or access code breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your account or access code. You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. However, termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Notices
SFCU reserves the right to change the terms and conditions upon which this service is offered. SFCU will notify you at least thirty (30) days before the effective date of any change, as required by law. Use of SOS is subject to existing regulations governing your accounts and any future changes to those regulations.

Types of Transactions
At the present time, you may use SOS to:

Service Limitations Transaction Posting.
Transactions conducted through SOS are not “real time” meaning they will not post on our system the instant you perform them on your computer. Updates are performed several times during business days at which time your transaction will post. ART, our 24 hour telephone teller is “real time”. If it is important that your transaction takes effect immediately, we suggest you use ART instead of SOS for that transaction.

Transfers.
Transactions involving your deposit accounts will be subject to the terms of your account agreement and transactions involving a line of credit account will be subject to your loan agreement and disclosures, as applicable. For all share and Money Market accounts, no more than six (6) preauthorized, automatic, or telephone transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.

Account Information.
The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to processing time for ATM, Point of Sale, VISA, other Electronic Funds Transfer transactions, and our Funds Availability Policy.

E-mail.
SFCU may not immediately receive E-mail communications that you send and SFCU will not take action based on E-mail requests until SFCU actually receives your message and has reasonable opportunity to act. Also, E-mail provides no means of verifying the identity of the individual sending the E-mail. Requests sent by E-mail requiring the verification of the member’s identity may be delayed while proper identity is confirmed. If you need to contact SFCU immediately regarding an unauthorized transaction, you may call SFCU at the telephone numbers provided in the Member Liability section of this agreement.

Fees and Charges
Currently there are no fees to use Sentinel Online Services. All standard fees and penalties (NSF, Stop Payment, Late Fees, etc.) established in our fees and charges schedule apply. SFCU reserves the right to charge for Sentinel Online Services in the future. Members will be given at least 30 days advance notice before SFCU implements any changes to existing fees or adds any new fees for SOS.

Member Liability
You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use SOS, or your account number and password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, if you believe anyone has used your account number and password without your authority, contact us immediately. You could lose all the money in your account (plus your maximum overdraft line of credit). Telephoning is the best way of keeping your possible losses to a minimum. Leave a voice mail message if calling outside of business hours. If you tell us within two (2) business days, you can not lose more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access code, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days; if we can prove that we could have stopped someone from making the transfers if you had told us in time. Call us at: (605) 923-1405 (888) 923-1400 (800) 682-6075 (605) 923- 3960 Fax or write to: Sentinel Federal Credit Union PO Box 700 Box Elder, SD 57719-0700

Right to Receive Documentation
Periodic Statements. Transfers made on SOS will be recorded on your periodic statement. You will receive a statement at least quarterly.

Account Information Disclosure
We will disclose information to third parties about your account or transfers you make: As necessary to complete transfers and bill payments to verify the existence of sufficient funds to cover specific transactions upon the request of a payee or third party, such as a credit bureau or merchant. To comply with government agency or court orders. If you give us your written permission. We will disclose information to third parties about your account or the transfers you make if: The disclosure is necessary for the completion of an electronic fund transfer. The disclosure is for the purpose of verifying the existence and condition of an account for a third party, including, but not limited to, a credit bureau or merchant. The disclosure is made to a government agency in the exercise of its statutory functions with respect to a person applying for or receiving public assistance. The possessor of the account gives written permission to SFCU to disclose the information. The disclosure is necessary to resolve an error or an inquiry as to an alleged error. The disclosure is made to a supervisory agency in the exercise of its supervisory and regulatory examination functions with respect to a financial institution.

Liability for Failure to make Transfers
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you and the instructions you transmit, we will be liable for your actual losses or damages. However, SFCU will not be liable:

Business Days
SFCU business days are Monday through Friday, excluding holidays. Business hours are 9:30 am to 5:00 pm MountainTime zone.

Billing Errors
In case of errors or questions about electronic funds transfers from your share and share draft accounts, telephone us at one of the following numbers or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. Call us at: (605) 923-1405 (888) 923-1400 (800) 682-6075 (605) 923- 3960 Fax or write to: Sentinel Federal Credit Union PO Box 700 Box Elder, SD 57719-0700 When writing include your name and account number. Describe the electronic transfer you are unsure about and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send us your complaint or question in writing within (10) business days. We will tell you the results of out investigation within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error, so that 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 credit your account. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. * 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. ** 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 point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate. NOTE: If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances of your account history warrant a delay, in which case you will receive credit within ten (10) business days.

Enforcement
You agree to be liable to SFCU for any liability, loss, or expense as provided in this Agreement that SFCU incurs as a result of any dispute involving your accounts or services. You authorize SFCU to deduct any such liability, loss, or expense from your account without prior notice to you. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgement collection actions, if applicable.

Governing Law
This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the state where you opened your account, and the Bylaws of the Credit Union as they exist or may be hereafter amended. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of this Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement between us.