Mobile Banking Application Services Agreement
This Agreement sets forth the terms and conditions for use of Dupaco Community Credit Union’s Mobile Banking Application (“App”) offered by Dupaco Community Credit Union ( “DCCU”, “we”, “our”, “us”) to you as a member (“you”, “your” or “User”) of Security Service Federal Credit Union. Dupaco Community Credit Union operates Mobile App under the name “Shine Mobile Banking”.

Online Banking Terms and Conditions
Please refer to the disclosure booklet which you received when you joined Dupaco Community Credit Union. The booklet outlines the Terms and Conditions relating to Electronic Funds Transfer. To request an additional copy of this brochure, please contact a Member Services Representative at any credit union location.

I. Accepting this Mobile Banking Services Agreement (the “Agreement”)
By clicking "I Agree" at the end of this document when you register for DCCU’s Mobile Banking App, you agree to abide by the terms and conditions set forth in this Agreement.

II. Mobile Banking Service

A. Description of Services
DCCU’s Mobile Banking App provides you with the ability to access your DCCU accounts through your Mobile Device and will provide you the ability to perform services, such as, view account balances and transaction detail, transfer funds between your DCCU accounts, make bill payments, deposit checks and locate DCCU Service Center locations and ATMs. All services may not be available to all users. Other services may be available or may be added in the future. We reserve the right to modify the scope of the services at any time. We reserve the right to refuse to make any transfer or transaction you request through the DCCU Mobile Banking App. You agree and understand that our Mobile Banking App may not be accessible or may have limited utility over some mobile telephone networks, while roaming or otherwise. When you sign-up for DCCU’s Mobile Banking App, DCCU accounts with your ownership will be accessible to you through the DCCU Mobile Banking App on your Mobile Device. DCCU makes no warranty regarding the availability of systems both to initiate transactions and the availability of back-end support systems to process mobile transactions.

B. Use of Services
You accept full responsibility for making sure that you understand how to access and use the DCCU Mobile Banking App before you actually do so and for using it in accordance with the online instructions posted on our website. You also accept full responsibility for making sure that you know how to properly use your mobile device and the software that enables you to access and use our Mobile Banking App. Regardless of any changes we may make in accessing or using our Mobile Banking App and the services, you are responsible for making sure that you understand how to access and use them. We will not be liable to you for any losses, costs or damages caused by your failure to properly access or use our Mobile Banking App or its services, or on your Mobile Device.

C. Relationships to Other Agreements
You agree that when you accept this Agreement, you will remain subject to the terms and conditions of all your existing agreements with us or any service providers of yours, including service carrier or provider (e.g., AT&T, Verizon, Sprint, T‐Mobile, US Cellular etc.), and that this Agreement does not amend or supersede any of those agreements. The accounts you access using our Mobile Banking App continue to be subject to our standard terms and conditions and disclosures provided to you at account opening. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of our Mobile Banking App (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of our Mobile Banking App, including while downloading the software or other use of your Mobile Device when using the software to access and use our Mobile Banking App), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your Mobile Device service carrier or provider is responsible for its products and services and that any issues that arise regarding such products and services will be resolved with the provider and carrier. You agree that we shall not be liable or responsible for resolving any such provider or carrier issues, nor for any associated costs, losses or damages. You also agree that if you have any problems with our Mobile Banking App and its services that you will contact us directly.

D. DCCU Mobile Banking ‐ Transfers/Transactions
You may use our Mobile Banking App to transfer funds between your eligible DCCU deposit and credit accounts ("Internal Transfer") and to request bill payments to payees (“Bill Payments”). Federal regulation limits the number of transfers and withdrawals you may make from your Savings or Money Market Accounts to six per calendar month or statement cycle (or similar period) of at least four weeks, to another account (including a transaction account) of yours at the credit union or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, which includes online and mobile banking transfers. A preauthorized transfer includes any arrangement by the credit union to pay a third party order received through an automated clearing house (ACH) or any arrangement by the credit union to pay a third party from your account at a predetermined time or on a fixed schedule. If you exceed these transfer limitations, your account will be subject to closure by the credit union. For consumers, other transaction limitations are provided in the New Account Disclosures which is hereby incorporated by reference. We may also limit the type, frequency and amount of transfers/transactions for security purposes and may change or impose the limits without notice, at our option.

E. DCCU Mobile Banking – Mobile Check Deposit
Mobile Check Deposit allows you to remotely deposit paper checks to your DCCU personal or business account by electronically transmitting a digital image of the paper check for deposit.

Eligibility and Qualification Requirements
To qualify for Mobile Check Deposit(MDC), you must meet the following eligibility requirements:


Costs
Mobile deposit costs $.99 per deposited check, or is FREE to members ages18 and under to those members who meet Cooperative Pricing guidelines. You are eligible for Cooperative Pricing if you are receiving e-Statements, and the total of all your credit union loans or deposits is maintained at $1,500 or more. If your eligibility status changes, you will not be able to use Mobile Check Deposit until the issue is resolved.

Accounts
Deposits using Mobile Check Deposit can be made only to your Checking or Savings account.

Eligible Items for Mobile Check Deposit
You agree to scan and deposit only “checks” as defined in the Federal Reserve Regulation CC, Availability of Funds and Collection of Checks. The check must be properly endorsed. The check image must also accurately and legibly provide all the information on the front and back of the check including the words “FOR MOBILE DEPOSIT” under your endorsement on the back of the check.

Ineligible Items for Mobile Check Deposit
You agree not to deposit any ineligible items using Mobile Check Deposit. All checks processed through Mobile Check Deposit are subject to review and approval. The following items are not eligible to be deposited through Mobile Check Deposit.

Deposit Limitations/Funds Availability
Deposits are not immediately available. Dupaco’s Funds Availability Policy applies to mobile deposits, with $200 becoming available when the deposit is posted and the remainder available subject to credit union holds on an item. Items are generally made available two business days after deposit however items may incur an extended hold of up to five days based on our funds availability policy and account disclosures. Mobile deposits will post according to the following schedule: Deposits made before 4 PM CT Monday thru Friday will be posted the same day between 4 PM and 6 PM. Deposits made after 4 PM CT OR on weekends or holidays will be posted on the next business day from 4-6 PM CT. Business days are Monday through Saturday, excluding Federal holidays. There is a $2,500 per-item, per-day limit, and within any 30-day rolling period members may not exceed $5,000 in mobile check deposits.

Retention and Disposal of Items
You agree to retain each item for 14 days after the funds have been posted to your account and to mark the check “Void”, “Electronically Deposited” or in some other manner that reflects the check has already been deposited. Upon request, you agree to promptly provide the item or a copy of the front or back of the item to DCCU to aid in the clearing and collection process, resolve third party claims or for internal research.

III. Your Responsibilities
When you use your Mobile Device to access accounts you designate during our Mobile Application registration process, you agree to the following:

A. Account Ownership/Accurate Information
You are the legal owner of the Account(s) and other financial information which may be accessed via our Mobile Banking App. You represent and agree that all information you provide to us in connection with our Mobile Banking App is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using our Mobile Banking App. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Mobile Device you will use to access our Mobile Banking App.

B. User Security
You agree not to give or make available your DCCU Mobile Banking App User Name, Password or other means to access our Mobile Banking App to any unauthorized individuals. You are responsible for transfers or other transactions you authorize using our Mobile Banking App. If you permit other persons to use your Mobile Device, DCCU Mobile App User Name and Password or other means to access your accounts through our Mobile Banking App, you are responsible for any transactions they authorize. If you believe that your DCCU Mobile Banking App User Name, Password, Mobile Device or other means to access your accounts through our Mobile Banking App has been lost or stolen or that someone may attempt to use our Mobile Banking App to access your accounts or has transferred money without your consent, you must notify us promptly—within 24 hours of learning of the incident. We make no representation that any content or use of our Mobile Banking App is available for use in locations outside of the United States. Accessing our Mobile Banking App from locations outside of The United States is at your own risk and the end user accepts total liability for any unauthorized use, intrusion or removal of funds from his/her account.

C. User Conduct
You agree not to use our Mobile Banking App or the content or information delivered through our Mobile Banking App in any way that would: (a) infringe any third‐party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including any rights in the software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of our Mobile Banking App to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, unlawfully threatening or unlawfully harassing; (g) be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to the Services; (i) interfere with or disrupt the use of our Mobile Banking App by any other user; or (k) use our Mobile Banking App in such a manner as to gain unauthorized entry or access to the computer systems of others.

D. Proprietary Rights
You may not copy, reproduce, distribute, or create work from this content. Further, you agree not to reverse engineer or reverse compile any technology relating to our Mobile Banking App, including, but not limited to, any software or other associated Mobile Device applications.

E. No Commercial Use or Re‐sale
You agree that our Mobile Banking App is for your personal or business use only and you agree not to resell or make commercial use of it.

F. Indemnification
Unless caused by our intentional misconduct, you agree to protect and fully indemnify us from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your improper access to, improper protection of your user login credentials, or improper use of the Services or the Software or your infringement of any intellectual property rights.

G. Service Charges
You agree to pay related account transaction fees and charges in accordance with DCCU’s current fee schedule and as amended from time to time. In the future, we may add to or enhance the services and features offered through our Mobile Banking App. By using such added or enhanced features, you agree to the fees in accordance with the DCCU fee schedule in effect at that time.

H. Changes or Cancellation
We reserve the right to change or cancel your access to and use of our Mobile Banking App at any time without notice. You agree that we will not be liable to you or any third party for any discontinuance of DCCU’s Mobile Banking App.

Your usage of these systems confirms your agreement to these terms and conditions.