Disclosures

Mortgage, Mobile Home on Land, Land, Home Equity (Loan and Line)

Credit Score/Risk Based Pricing       A (≥720)    B (680‐719)    C (661‐679)    D (620‐660)*     E (≤619)*
LLPA added to Par (A) Rate                    PAR         LLPA .25        LLPA 1.00       LLPA 2.00       LLPA 2.50
*D & E credit: 20 year maximum term & portfolio pricing only.
*! Covered Loans/Small Creditor QM Mortgages

Proof of Insurance (full coverage required for term of loan) listing Rainbow FCU as lienholder required at closing. APR=Annual Percentage Rate. The APR will vary based on loan amount and actual finance charges incurred. Payment is based on the maximum term and does not include amounts for taxes and insurance premiums. LTV=Loan to Value is loan amount divided by collateral value ( based on purchase price or appraised value whichever is less). LTV greater than 80% will be charged an additional .25 (to 85%) and .50 (to 90%), on an exception basis, if there is no Mortgage Insurance‐all mortgage products.
LLPA (Loan Level Price Adjustment) is an increase in rate added to portfolio loan par rate and is determined by applicable credit score.

*! Mortgage APR (Retained) will not exceed 3.5% over applicable APOR‐rate may be adjusted lower to comply with this rule (Small Creditor QM)
**LLPA’s exclude Secondary Market Mortgage product‐Secondary Market LLPA’s apply (FNMA ‐see LLPA Matrix) Secondary Market Mortgage product requires a 661 minimum credit score. Terms over 15 years sold servicing released to CUSO.

Construction Loan – Secondary Market Rate + .50% with 1/2 point origination and other fees (APR varies by term).

*** Max Age of Mobile home on land is 25 years and in a park is 20 years. Exceptions considered on a case by case basis with additional .50% LLPA.

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

Auto, Truck Loans, Motorcycle, ATV, Snowmobile, Travel Trailers, RV's, and Boats

Credit Score/Risk Based Pricing                    A(≥720)      B (680‐719)       C (661‐679)        D (620‐660)       E (≤619)*
LLPA added to Par (A) Rate                             PAR           LLPA .50           LLPA 2.00          LLPA 5.00       LLPA 10.00
120%            120%                 110%                  105%               100%
*E (≤619) credit‐VP Lending or Presidents approval required

Travel Trailers (RV’s) and Boats
Gap Plus Coverage protects the consumer for the first 84 months only.
Only Vehicles with values listed by NADA, Kelley, etc… to be used as security (exceptions will be considered).
Longer terms for higher priced used RV’s & Boats may be considered on a case by case basis.
**Extended Terms are an increase in the “Max Term” as requested by Member.

Extended Term is available to Members with A, B, C, or D credit ‐ not to exceed 72 Months.
Add to applicable rate: .50% for 6 month & 1.00% for 12 month addition to applicable term.

Proof of Insurance (Full Coverage) listing Rainbow FCU as lien holder required at closing.
APR=Annual Percentage Rate. Maximum APR is 18%.
LTV=Loan to Value is loan amount divided by collateral value.
LLPA (Loan Level Price Adjustment) is an increase in rate added to portfolio loan par rate and is determined by applicable credit score.

Fees & Cost:
Doc Fee (Purchase)*** $25.00
Doc Fee (Refinance from Rainbow)*** $50.00
GAP Coverage (Direct) See Gap Pricing Sheet
GAP Coverage (Indirect) See Gap Pricing Sheet
Life & Disability Coverage (Variable)
Pricing & Disclosures provided at application

*** Doc Fee may cause APR to increase. $25.00 discount on Doc Fee if member has active checking,
or direct deposit and auto payment.

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

Unsecured, Share, CD, Other Secured, Energy/Emergency & OD LOC

Credit Score/Risk Based Pricing                    A (≥720)        B (680‐719)        C (661‐679)        D (620‐660)_        E (≤619)*
LLPA added to Par (A) Rate                             PAR              LLPA .50            LLPA 2.00           LLPA 5.00         LLPA 10.00
*E (≤619) credit‐VP Lending or Presidents approval required & Max LTV 90% (if applicable).

Fees & Cost:
Doc Fee (Purchase or new loan)**** $25.00
Doc Fee (Refinance from
Rainbow)**** $50.00
GAP Coverage (Direct) See Gap Pricing Sheet
GAP Coverage (Indirect) See Gap Pricing Sheet
Life & Disability Coverage (Variable) Pricing & Disclosures on EPISYS

** Max Loan Amount is $10,000‐A, B, C credit and $2,500‐D & E* credit (cumulative for all active unsecured
loans).
*** Credit Report and debt ratio calculation are not required for cash secured borrowing.
**** Doc Fee may cause APR to increase. $25.00 discount on Doc Fee if member has active checking,
or direct deposit and auto payment.
Minimum loan amount is $500.00
Proof of Insurance (Full Coverage) listing Rainbow FCU as lienholder required at closing.
APR=Annual Percentage Rate. Maximum APR is 18%.
LTV=Loan to Value is loan amount divided by collateral value.
LLPA (Loan Level Price Adjustment) is an increase in rate added to portfolio loan par rate and is determined by
applicable credit score.

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

Home Equity Line Product

10 Yr Draw with 20 Yr Repayment feature, Interest only during the draw period with a minimum monthly payment of $100.00 or the interest accrued whichever is greater, Interest Rate based on credit score and LTV.

Certificates

The amount of early withdrawal penalty is an amount equal to 90 days’ dividends whether earned or not for certificates under two years, and 180 days’ dividends whether earned or not for certificates two years and over.
Certificates renew automatically. Rates subject to change at any time without notice. Relationship pricing available for aggregate certificate account balances over $100,000 – see Member Service Representative.

IRA Variable

Rates subject to change at any time without notice.

Share Accounts

Rates subject to change at any time without notice
*Free 4 Me Account only available for ages 18-25.

Money Market Share Accounts

*Variable Rates are subject to change without notice.

Kasasa Cash® With Kasasa Saver® Truth in Savings Disclosure

This disclosure contains the rules that govern your deposit account as of March 1, 2017.

Account Overview

Kasasa Cash® is a free, variable rate checking account with no minimum balance that rewards accountholders with dividends and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycles.

Kasasa Saver® is a free, variable rate deposit account with a $0.00 minimum balance that rewards accountholders with dividends when they meet the minimum qualifications associated with their linked Kasasa Cash checking account during each Monthly Qualification Cycle.

Purpose and Expected Use of Account

This account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities including, but not limited to, grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month, and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period, particularly near the end of a Monthly Qualification Cycle, are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions that will not count toward earning the account’s rewards.

Dirigo Federal Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over twelve (12) consecutive Statement Cycles. The linked Kasasa Saver account will also be closed if the Kasasa Cash account is converted or closed.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted, and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Dirigo Federal Credit Union check for the remaining balance, if applicable, will be mailed to the accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash or Kasasa Saver account, any optional add-on products/services associated with this account will also be terminated at the same time.

Dividend Rate & Annual Percentage Yield (APY)

Compounding & Crediting: Dividends will be compounded on a monthly basis. Dividends will be credited to your account on the last day of the current Statement Cycle. If you close your account before the dividend is credited, you will not receive the accrued dividend. Dividends begin to accrue on the Business Day you deposit cash or noncash items (for example, checks).

Balance Computation Method: We use the average daily balance method to calculate the dividends on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the Statement Cycle.

Dividend Rate & Annual Percentage Yield: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle:

Kasasa Cash: A dividend rate of 1.98% will be paid on the portion of your average daily balance that is less than or equal to $25,000.00 and the non-compounding annual percentage yield* for this tier is 2.00%. A dividend rate of 0.299% will be paid on the portion of your average daily balance that is greater than $25,000.01 resulting in non-compounding annual percentage yield for this tier ranging from 2.00% to 0.64%, depending on the account’s balance and

Kasasa Saver: A dividend rate of 0.99% will be paid on the portion of your average daily balance that is less than or equal to $50,000.00 and the annual percentage yield for this tier is 1.00%. A dividend rate of 0.299% will be paid on the portion of your average daily balance that is greater than $50,000.01 resulting in annual percentage yield for this tier ranging from 1.00% to 0.53%, depending on the account’s balance

When Kasasa Cash qualifications are not met:

Kasasa Cash: the dividend rate paid on the entire balance will be 0.049% with a non-compounding annual percentage yield of 0.05%.

Kasasa Saver: The dividend rate paid on the entire balance will be 0.049% with an annual percentage yield of 0.05%.

Qualifications To earn your Kasasa Cash and Kasasa Saver rewards all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: • Have at least one (1) ACH credit transaction post and settle • Have at least twelve (12) PIN-based or signature-based debit card purchases post and settle • Be enrolled in and agree to receive e-Statements • Be enrolled in and log into online banking Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means the current Statement Cycle “Statement Cycle” means the period of time for which Dirigo Federal Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Rewards

When your Kasasa Cash qualifications are met during a Monthly Qualification Cycle:

Kasasa Cash: (1) A dividend rate of 1.98% will be paid on the portion of your average daily balance that is less than or equal to $25,000.00 and the non-compounding annual percentage yield* for this tier is 2.00%. A dividend rate of 0.299% will be paid on the portion of your average daily balance that is greater than $25,000.01 resulting in non-compounding annual percentage yield for this tier ranging from 2.00% to 0.64%, depending on the account’s balance (2) You will receive reimbursements up to an aggregate total of $25.00, maximum $4.99 per single transaction for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Kasasa Saver: A dividend rate of 0.99% will be paid on the portion of your average daily balance that is less than or equal to $50,000.00 and the annual percentage yield for this tier is 1.00%. A dividend rate of 0.299% will be paid on the portion of your average daily balance that is greater than $50,000.01 resulting in annual percentage yield for this tier ranging from 1.00% to 0.53%, depending on the account’s balance

When Kasasa Cash qualifications are not met:

Kasasa Cash: the dividend rate paid on the entire balance will be 0.049% with a non-compounding annual percentage yield of 0.05%.

Kasasa Saver: the dividend rate paid on the entire balance will be 0.049% with an annual percentage yield of 0.05%.

*Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs.

Dividend and ATM fee reimbursements will be credited to the account on the last day of the current Statement Cycle, and all Kasasa Cash rewards are automatically transferred to the linked Kasasa Saver account within one day.

APY = Annual Percentage Yield. APY calculations are based on an assumed total account balance of $100,000.00.

Rates and rewards are variable and, at our discretion may change after the account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or receive the account’s rewards. See accompanying Schedule of Fees for fees that may apply to this account. Rewards less than a penny cannot be distributed.

Additional Information

$0.00 minimum deposit is required to open the account. You must have a Kasasa Cash account to open a Kasasa Saver account, and the Kasasa Cash account must remain open throughout the period that you hold the Kasasa Saver account. In the event that you or we close your Kasasa Cash account, your Kasasa Saver account will be closed as well.

Transfers or withdrawals from a Kasasa Saver account to (a) another account of the same depositor at our institution or to (b) a third party or an account of the same depositor at another bank, if made by preauthorized transfer, automatic transfer, telephone, fax or Internet banking service and (c) transfers or withdrawals to a third party or to an account of the depositor to another account at another bank made by check, draft, or debit card are limited to an aggregate total of six (6) per calendar month. There is no limit to the number of transfers or withdrawals from your Kasasa Saver account to repay loans at our institution or in person, by mail, by messenger or at an ATM. These transactions are considered made on the date the transaction posts and settles to your account, not the date the withdrawal request was initiated.

This account is not to be used for commercial purposes, and there is a limit of one (1) account(s) per Social Security Number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying Schedule of Fees for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications. Contact a Dirigo Federal Credit Union service representative for additional information, details and enrollment instructions. Federally insured by NCUA. Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Overdraft Protection

Dirigo Federal Credit Union offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: A Member Privilege Fee of $25.00 for each item we pay. A Non-Sufficient Funds (NSF) Fee of $25.00 for each item returned unpaid. Overdraft Protection Transfer Fee (if you are enrolled) of $1.00 for each time we transfer available funds from the savings account to checking account to clear an item. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Dirigo Federal Credit Union reserves the right to require the accountholder to pay an overdraft immediately or on demand/ requires accountholder 45 days to establish a positive balance in the account. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.

Kasasa Cash Back® – Truth in Savings Disclosures

This disclosure contains the rules that govern your deposit account as of March 1, 2017.

Account Overview

Kasasa Cash Back® is a free variable rewards checking account with no minimum balance that rewards accountholders with cash back on their PIN-based or signature-based debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle.

Purpose & Use Expectations

The Kasasa Cash Back account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards.

Dirigo Federal Credit Union reserves the right to determine if the attached Kasasa Cash Back account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 12 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Dirigo Federal Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash Back account, any optional add-on products / services associated with these accounts will also be terminated at the same time.

Qualifications

To earn your Kasasa Cash Back rewards just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle: • Have at least one (1) ACH credit transaction post and settle • Have at least twelve (12) PIN-based or signature-based debit card purchases post and settle • Be enrolled in and agree to receive e-Statements • Be enrolled in and log into online banking Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time for which Dirigo Federal Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Rewards

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive:

(1) 2.00% cash back on up to a total of $400.00 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period up to a maximum cash back earned of $8.00 per Monthly Qualification Cycle.

(2) Reimbursements up to an aggregate total of $25.00, maximum $4.99 per single transaction for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Cash back payments and ATM refunds will be credited to the account on the last day of the current Statement Cycle.

When Kasasa Cash Back qualifications are not met, you will not receive cash back on PIN-based or signature-based debit card purchases, and ATM fees are not refunded.

Rates and rewards are variable and, at our discretion, may change after the account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or receive the account’s rewards. See accompanying Schedule of Fees for fees that may apply to this account. Rewards less than a penny cannot be distributed.

Additional Information

$0.00 minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking are condition(s) of this account. This account is not to be used for commercial purposes and there is a limit of one (1) account per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying Schedule of Fees for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications. Contact a Dirigo Federal Credit Union service representative for additional information, details and enrollment instructions. Federally insured by NCUA. Kasasa Cash Back is a trademark of Kasasa, Ltd., registered in the U.S.A.

Overdraft Protection

Dirigo Federal Credit Union offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: A Member Privilege Fee of $25.00 for each item we pay. A Non-Sufficient Funds (NSF) Fee of $25.00 for each item returned unpaid. Overdraft Protection Transfer Fee (if you are enrolled) of $1.00 for each time we transfer available funds from the savings account to checking account to clear an item. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Dirigo Federal Credit Union reserves the right to require the accountholder to pay an overdraft immediately or on demand/requires accountholder 45 days to establish a positive balance in the account. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.

Kasasa Cash Back® With Kasasa Saver® Truth in Savings Disclosure

This disclosure contains the rules that govern your deposit account as of March 1, 2017.

Account Overviews

Kasasa Cash Back® is a free variable reward checking account with no minimum balance that rewards accountholders with cash back on their PIN-based or signature-based debit card purchases and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle.

Kasasa Saver® is free, variable rate, deposit account with a $0.00 minimum balance that rewards accountholders with dividends when they meet the minimum qualifications associated with their linked Kasasa Cash Back checking account during each Monthly Qualification Cycle.

Purpose & Use Expectations

The Kasasa Cash Back account that is linked to Kasasa Saver account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the attached Kasasa Cash Back account’s debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards.

Dirigo Federal Credit Union reserves the right to determine if the attached Kasasa Cash Back account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 12 consecutive Statement Cycles. The attached Kasasa Saver account will also be closed if the Kasasa Cash Back account is converted or closed.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Dirge Federal Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash Back or Kasasa Saver account, any optional add-on products / services associated with these accounts will also be terminated at the same time.

Dividend Rate & Annual Percentage Yield (APY)

Compounding & Crediting: Dividends will be compounded on a monthly basis in your Kasasa Saver account. Dividends will be credited to your Kasasa Saver account on the last day of the current Statement Cycle. If you close your Kasasa Saver account before the dividend is credited, you will not receive the accrued dividend. Dividends begin to accrue on the Business Day you deposit cash or noncash items (for example, checks).

Balance Computation Method:

We use the average daily balance method to calculate the dividends on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the Statement Cycle.

Dividend Rate & Annual Percentage Yield: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, Tier 1: A dividend rate of 0.99% will be paid on the portion of your average daily balance in your Kasasa Saver account that is less than or equal to $50,000.00. The annual percentage yield for this tier is 1.00%. Tier 2: A dividend rate of 0.299% will be paid on the portion of your average daily balance in your Kasasa Saver account that is greater than $50,000.01. The annual percentage yield for this tier will range from 0.53% to 1.00%, depending on the balance in the account. When your Kasasa Cash Back account qualifications are not met, the dividend rate paid on the entire balance in your Kasasa Saver account will be 0.049% with an annual percentage yield of 0.05%.

Qualifications

To earn your Kasasa Cash Back and Kasasa Saver rewards just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle: • Have at least 1 ACH credit transaction post and settle • Have at least 12 PIN-based or signature-based debit card purchases post and settle • Be enrolled in and agree to receive e-Statements • Be enrolled in and log into online banking Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means the current Statement Cycle “Statement Cycle” means the period of time for which Dirigo Federal Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Rewards When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle,

Kasasa Cash Back: You will receive (1) 2.00% cash back on up to a total of $400.00 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period up to a maximum cash back earned of $8.00 per Monthly Qualification Cycle, and

(2) you will receive reimbursements up to an aggregate total of $25.00, maximum $4.99 per single transaction for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Kasasa Saver: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, Tier 1: A dividend rate of 0.99% will be paid on the portion of your average daily balance in your Kasasa Saver account that is less than or equal to $50,000.00. The annual percentage yield for this tier is 1.00%. A dividend rate of 0.299% will be paid on the portion of your average daily balance in your Kasasa Saver account that is greater than $50,000.01, The annual percentage yield for this tier will range from 1.00% to 0.53%, depending on the balance in the account.

When Kasasa Cash Back qualifications are not met, you will not receive cash back on PIN-based or signature-based debit card purchases, ATM fees are not refunded and the dividend rate paid on the entire balance in your Kasasa Saver account will be 0.049% with an annual percentage yield of 0.05%.

Dividends, cash back and ATM fee reimbursements will be credited to your Kasasa Saver account on the last day of the current Statement Cycle. APY = Annual Percentage Yield. APY calculations are based on an assumed total account balance of $100,000.00 Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or to receive the account’s rewards. See accompanying Schedule of Fees for fees that may apply to this account. Rewards less than a penny cannot be distributed.

Additional Information $0.00 minimum deposit is required to open the account. You must have a Kasasa Cash Back account in order to open a Kasasa Saver account, and the Kasasa Cash Back account must remain open throughout the period that you hold the Kasasa Saver account. In the event that you or we close your Kasasa Cash Back account, your Kasasa Saver account will be closed as well. Transfers or withdrawals from a Kasasa Saver account to (a) another account of the same depositor at our institution or to (b) a third party or an account of the same depositor at another bank, if made by preauthorized transfer, automatic transfer, telephone, fax or internet banking service and (c) transfers or withdrawals to a third party or to an account of the depositor to another account at another bank made by check, draft, debit card are limited to an aggregate total of six (6) per calendar month. There is no limit to the number of transfers or withdrawals from your Kasasa Saver account to repay loans at our institution or are made in person, by mail, by messenger or at an ATM. These transactions are considered made on the date the transaction posts and settles to your account, not the date the withdrawal request was initiated.

This account is not to be used for commercial purposes and there is a limit of 1 account(s) per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying Schedule of Fees for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications. Contact a Dirigo Federal Credit Union service representative for additional information, details and enrollment instructions. Federally insured by NCUA. Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Overdraft Protection

Dirigo Federal Credit Union offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: A Member Privilege Fee of $25.00 for each item we pay. A Non-Sufficient Funds (NSF) Fee of $25.00 for each item returned unpaid. Overdraft Protection Transfer Fee (if you are enrolled) $1.00 for each time we transfer available funds from the savings account to checking account to clear an item. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Dirigo Federal Credit Union reserves the right to require the accountholder to pay an overdraft immediately or on demand / requires accountholder 45 days to establish a positive balance in the account. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or if you have too many overdrafts.

Kasasa Protect™ for Kasasa Accounts and Non-Kasasa Accounts

Optional Kasasa Protect™ Disclosure

This disclosure contains the rules that govern your optional Identity Fraud Protection and Restoration Services through Kasasa Protect™ as of March 1, 2017.

Optional Add On Service Dirigo Federal Credit Union offers Kasasa Protect, an optional Identity Fraud Protection and Restoration Service that includes identity theft, fraud protection and breach resolution through a separate third party that can be added to your Kasasa Cash® or Cash Back® account. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services (“opt-in”), (b) charges a separate monthly fee, and (c) can be cancelled at any time.

Kasasa Protect: Identify Fraud Protection and Restoration Services

“Kasasa Protect: Identify Fraud Protection and Restoration Services” collectively includes the following comprehensive services (collectively “Services”):

(1) Credit Services: (a) Reports: an annual credit report from TransUnion; (b) Scores: a monthly credit score from TransUnion; and (c) Plotter: a visual twelve (12)-month history of the consumer’s monthly credit scores from TransUnion.

(2) Monitoring Services: (a) Public Records: Monitors name, address and Social Security Number (SSN) across public records; (b) Dark Web Monitoring: monitors across social networks, chat rooms and black market websites for personally identifiable information including Social Security Numbers; phone numbers, email addresses, bank account and routing numbers, credit and debit cards, and medical identification numbers; (c) Credit Bureau: monitors for and will provide an email or text alert if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected in the consumer’s TransUnion credit file;.

Credit monitoring offerings monitor only the credit file associated with the purchasing consumer, and do not monitor, compare or cross reference the credit file associated with the purchasing consumer to any other credit files maintained by the applicable credit bureaus.

3) Resolution Services: (a) Recovery Services: A professional Identity Recovery Specialist will assist the consumer identify, dispute and expunge any fraudulent activities, (b) Lost Wallet Services: Cancellation and replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft.

Terms & Conditions

Kasasa Protect services are provided by CSID. Terms and conditions can be retrieved at a Dirigo Federal Credit Union branch location or online by using the following link: https://secure.kasasaprotect.com.

Fees

Kasasa Protect services are provided for a monthly fee of $10.99 or ($7.99 if you are a Kasasa accountholder) which will automatically be debited from your account on the third (3rd) of each month.

Fees begin on the third (3rd) of the month following your enrollment date, and will end one (1) day after Dirigo Federal Credit Union has processed your cancellation request. Fees, services and providers are variable and may change, with proper notification, after Enrollment.

Joint accounts: Kasasa protect is available to a secondary accountholder listed on a joint account for an additional monthly fee of $7.99.

Enrollment

To enroll in Kasasa Protect, you must meet all of these conditions: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, (3) agree to the Kasasa Protect Services’ Terms & Conditions and (4) authenticate your identity to review your alerts and include other personally identifiable information in your account at: https://secure.kasasaprotect.com. Upon signing up for these Services at your institution, you will be enrolled in the Services’ (“Enrollment”).

Activation

Within one (1) business day after signing up for the Services, Kasasa Protect will provide you with an activation email that includes a link to the login URL and your subscriber number. You must activate your account using your subscriber number and maintain an accurate email address to receive the full complement of Services. You understand and agree that you will keep your email address current to receive alerts on an ongoing basis. You can review and update your email address on file at https://secure.kasasaprotect.com (“Activation”).

Authentication

To view Services alerts, you must authenticate your identity by using that login URL or following link: https:/secure.kasasaprotect.com (“Authentication”). You agree to provide accurate, current and complete information about yourself and to maintain and update this information to keep it accurate, current and complete. You also agree to not misrepresent your identity. Failure to provide and maintain accurate and complete information may prohibit your use of the Services or result in errors in information generated.

Availability

Resolution Services, including Recovery Services and Lost Wallet Services, are immediately available for identity theft events that occur after Enrollment.

Credit Monitoring and Dark Web Monitoring will begin on your name, address, Social Security Number and date of birth once you enroll with your institution. You will receive alerts to the email address provided during enrollment. You must authenticate your identity to view the full content of the alerts. After authentication, you can also provide additional personal information that you would like monitored.

Credit Reports and Credit Scores will be available to view immediately after authentication of your identity.

Cancellation

You may cancel your Services at any time by notifying Dirigo Federal Credit Union of your decision to cancel. Written notices should be sent to Dirigo Federal Credit Union, PO Box 741, Lewiston ME 04243. Verbal requests should be directed to 1-800-281-5435. Cancellations may take one (1) or more business days to process. The Services’ monthly fee will not be charged for the following month after a cancellation request has been processed by your financial institution. Your current month’s fee will not be reimbursed or prorated.

Closure of Checking Account

Should your checking account be closed by you or Dirigo Federal Credit Union, any add-on products/services associated with that account, including Kasasa Protect, will also be terminated at the same time. Associated monthly fee(s) will not be charged for the month following termination. Current month’s fee(s) will not be reimbursed or prorated.

Legal Notices

(1) Federal Notice: Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. (2) Dirigo Federal Credit Union Notice: Dirigo Federal Credit Union shall not have any liability for the accuracy of the information contained in the credit reports provided through these Services, including any liability for damages, direct or indirect, consequential or incidental.

Trademarks and Credits: Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A. TransUnion is a registered trademark of TransUnion.

Kasasa Cash® Truth in Savings Disclosure

This disclosure contains the rules that govern your deposit account as of March 1, 2017.

Account Overview

Kasasa Cash® is a free, variable rate checking account with no minimum balance that rewards accountholders with dividends and nationwide ATM fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycles.

Purpose and Expected Use of Account

This account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities including, but not limited to, grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account’s debit card to be used frequently throughout each month, and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period, particularly near the end of a Monthly Qualification Cycle, are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards, and thus will be deemed inappropriate transactions that will not count toward earning the account’s rewards.

Dirigo Federal Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over twelve (12) consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us, including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted, and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Dirge Federal Credit Union check for the remaining balance, if applicable, will be mailed to the accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products/services associated with this account will also be terminated at the same time.

Dividend Rate & Annual Percentage Yield (APY)Compounding & Crediting: Dividends will be compounded on a monthly basis. Dividends will be credited to your account on the last day of the current Statement Cycle. If you close your account before the dividend is credited, you will not receive the accrued dividend. Dividends begin to accrue on the Business Day you deposit cash or noncash items (for example, checks).

Balance Computation Method: We use the average daily balance method to calculate the dividends on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the Statement Cycle.

Dividend Rate & Annual Percentage Yield: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, Tier 1: A dividend rate of 1.98% will be paid on the portion of your average daily balance that is less than or equal to $25,000.00. The annual percentage yield for this tier is 2.00%. Tier 2: A dividend rate of 0.299% will be paid on the portion of your average daily balance that is greater than $25,000.01. The annual percentage yield for this tier will range from 2.00% to 0.64%, depending on the balance in the account. When your Kasasa Cash account qualifications are not met, the dividend rate paid on the entire balance will be 0.049% with an annual percentage yield of 0.05%.

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle: • Have at least one (1) ACH credit transaction post and settle • Have at least twelve (120 PIN-based or signature-based debit card purchases post and settle • Be enrolled in and agree to receive e-Statements • Be enrolled in and log into online banking Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time for which Dirigo Federal Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Rewards

When Kasasa Cash qualifications are met during a Monthly Qualification Cycle: (1) a dividend rate of 1.98% will be paid on the portion of your average daily balance that is less than or equal to $25,000.00 and the annual percentage yield for this tier is 2.00%. A dividend rate of 0.299% will be paid on the portion of your average daily balance that is greater than $25,000.01 resulting in annual percentage yield for this tier ranging from 2.00% to 0.64%, depending on the account’s balance.

(2) You will receive reimbursements up to an aggregate total of $25.00, maximum $4.99 per single transaction for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When Kasasa Cash qualifications are not met, the dividend rate paid on the entire balance will be 0.049% with an annual percentage yield of 0.05%, and ATM fees are not refunded.

Dividends and ATM fee reimbursements will be credited to the account on the last day of the current Statement Cycle. APY = Annual Percentage Yield. APY calculations are based on an assumed total account balance of $100,000.00.

Rates and rewards are variable and at our discretion, may change after the account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or receive the account’s rewards. See accompanying Schedule of Fees for fees that may apply to this account. Rewards less than a penny cannot be distributed.

Additional Information

$0.00 minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking are condition(s) of this account. This account is not to be used for commercial purposes, and there is a limit of one (1) account(s) per Social Security Number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. See accompanying Schedule of Fees for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, electronic statements) may be required to meet some of this account’s qualifications. Contact a Dirigo Federal Credit Union service representative for additional information, details and enrollment instructions. Federally insured by NCUA. Kasasa Cash is a trademark of Kasasa, Ltd., registered in the U.S.A.

Overdraft Protection

Dirigo Federal Credit Union offers optional overdraft protection plans to protect you from overdrafts and declined transactions. The following fees are applicable: A Member Privilege Fee of $25.00 for each item we pay. A Non-Sufficient Funds (NSF) Fee of $25.00 for each item returned unpaid. Overdraft Protection Transfer Fee (if you are enrolled) of $1.00 for each time we transfer available funds from the savings account to checking account to clear an item. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or by other electronic means. Dirigo Federal Credit Union reserves the right to require the accountholder to pay an overdraft immediately or on demand/ requires accountholder 45 days to establish a positive balance in the account. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.

Saver Add on for Cash Back Disclaimer

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based or signature based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000.00 receive APY of 1.00%; and balances over $50,000.01 earn 0.299% interest rate on the portion of balance over $50,000.01, resulting in a range from 0.53% to 1.00% APY depending on the account’s balance. Kasasa Cash Back: 2.00% cash back on up to a total of $400.00 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash Back: No cash back payments are made. APY = Annual Percentage Yield. APYs accurate as of 03/01/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. See accompanying Schedule of Fees for fees that may apply to this account. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $0.00 minimum deposit is required to open the account. Monthly ACH credit, and enrollment in online banking are a condition of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, may be required to meet some of the account’s qualifications. Limit 1 account(s) per social security number. A account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. See accompanying Schedule of Fees for fees that may apply to this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Mobile Deposit Capture Agreement Terms and Conditions

Mobile Deposit Capture Terms

DIRIGO Federal Credit Union

Mobile Deposit Capture Terms & Conditions

 

By selecting “Accept” you understand and agree to the terms and conditions presented below.

 

Use of DIRIGO Federal Credit Union’s Mobile Deposit Capture Service is subject to approval by DIRIGO Federal Credit Union (“DFCU,” “we,” “us”). If you, the account-holder, are approved for mobile deposit capture (“MDC”), you agree that use of MDC is subject to the following terms and conditions in conjunction with the membership agreement.

  1. MDC allows you to make check deposits to your DFCU savings (share) and/or checking (share draft) accounts from your camera-enabled mobile device. The mobile device must capture an image of the front and back of each check to be deposited in accordance with the Procedures; must read and capture the magnetic ink character recognition (“MICR”) line on each check; and must read and capture all such other data and information as is required by this agreement or Federal Reserve regulations for the processing of each check for payment.
  2. DIRIGO FCU is not responsible for any technical difficulties you experience attempting to use MDC. You agree and understand that MDC may at times be temporarily unavailable. In the event that MDC is not available, you acknowledge that you can deposit an original check at a DIRIGO FCU branch, Shared Branch location, or by mailing the original check to a DIRIGO FCU branch location. It is your sole responsibility to verify that items deposited using MDC have been received and accepted for deposit.
  3. To use DIRIGO FCU’s MDC service, you must have a suitable mobile device and have online/mobile banking.
  4. When you make a successful MDC deposit, you will be notified by an application message. You agree that once you have received confirmation that we have successfully processed your MDC deposit, you will clearly mark “void” and retain for an additional 15 (fifteen) business days. You agree to defend, indemnify and hold DIRIGO FCU and any DIRIGO FCU third party service provider from any claims, damages, losses, liability or expenses to which we and/or our service provider may become subject as a result of an item you deposited via MDC being presented for duplicate payment.
  5. Only the following items are eligible for MDC deposit: checks drawn on U.S. financial institutions in U.S. dollars, or checks drawn on United States Treasury, or checks drawn on any state or local government of the United States. Checks must be payable to you and endorsed by you with the restrictive legend, “Mobile Deposit Capture Only to DFCU”. You agree not to attempt to use MDC to deposit checks with any of the following characteristics:
  6. The check is not payable to you
  7. There is any apparent alteration to the front of the check
  8. You know or have reason to believe that the check is fraudulent or otherwise not authorized by the

     owner of the account on which the check is drawn

  1. The check is payable in a currency other than U.S. dollars
  2. The check has been previously converted to a substitute check as defined in the Expedited Funds

    Availability Act

  1. The check has been remotely created
  2. The date of issue of the check is more than 6 months prior to the attempted deposit date
  3. You have any reason to believe that the check will not be paid by the institution on which it is

    drawn.

  1. The check image transmitted via MDC must be legible and compliant with requirements established from time to time by the American National Standards Institute, the Board of Governors of the Federal Reserve, or any other regulatory agency, clearinghouse or association.
  2. We may terminate or change the terms of MDC service at any time, including but not limited to the categories of checks we will accept for deposit via MDC or endorsement requirements, with or without notice to you.
  3. We may, at our sole discretion, refuse to accept any item presented for deposit via MDC. We will notify you via the method agreed with you if we do this. We will have no liability to you for declining to accept items presented for deposit via MDC.
  4. Funds from any check deposited via MDC will be available to you after final collection from the institution on which it is drawn. We may make funds available sooner depending on factors we at our sole discretion deem relevant, including but not limited to your account history with DFCU and your creditworthiness.
  5. You agree to notify us of any errors with respect to MDC deposits within 30 days after we send you the first periodic statement on which they appear. We will review your claim and correct any error on our part. We will not, however, be responsible for errors asserted more than 30 days after we send you the periodic statement on which they appear. In the event of an error with respect to any original check or image thereof transmitted to us for deposit or a breach of the agreement, you will immediately contact us at 1-800-281-5435 or email us using our secure messaging service within Online Banking.
  6. You agree not to copy, reproduce, distribute or create derivative works from the content of the MDC service or to reverse engineer or reverse compile any technology used to provide the MDC service. DIRIGO FCU and our third party service providers, if any, retain all ownership and proprietary rights in the services, associated content, technology and web sites. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of member claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.
  7. DISCLAIMER OF WARRANTIES. YOU AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, THAT THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, OR THAT ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.
  8. LIMITATION OF LIABILITY. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOST PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM USE OF THE SERVICES, INABILITY TO USE THE SERVICES, OR TERMINATION OF THE SERVICES, INCURRED BY YOU OR ANY THIRD PARTY, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF RAINBOW FCU HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.